/* Unified homepage surface tokens, footer intentionally untouched */
:root{--bg-paper:#F7F6F3;--bg-white:#FFFFFF;--bg-navy:#0F1B2D}
html,body{background:var(--bg-paper)}
/* Cinematic intro video intentionally remains image-backed, not flattened. */
main>.ub-hero-section{background:var(--bg-paper)!important}
#services.chapters-section,#services .chapter-wrap{background:var(--bg-white)!important}
#insurance-solutions.ub-insurance-feature{background:var(--bg-paper)!important}
#insurance-solutions .ub-insurance-wrap{background:var(--bg-paper)!important}
#insurance-solutions .after{background:var(--bg-paper)!important}
/* Keep cinematic scrolly overlay reactive to scrolling. */
#insurance-solutions #coverage-options,
#insurance-solutions .ub-coverage-editorial{background:var(--bg-white)!important}
#story.intro.ub-story-reveal{background:var(--bg-paper)!important}
#benefits-detail.ub-journey.chapter{background:var(--bg-navy)!important}
#editorial-inquiry.scott-reference{background:var(--bg-paper)!important;background-image:none!important}
#editorial-inquiry .page{background:transparent!important}
#editorial-inquiry .chat{background:var(--bg-white)!important;border:1px solid #E0E4E9!important}
#insurance-solutions .after a{background:var(--bg-white)}
#insurance-solutions .ub-coverage-disclosure,
#insurance-solutions .ub-insurance-accordion{background:var(--bg-white)!important}
#services .webinar{background:var(--bg-white)!important;border:1px solid #E1E5EB!important}
#services .ch{border:1px solid #DFE3E9}
/* restore contrast while retaining existing word-by-word reveal logic */
#insurance-solutions .ub-coverage-editorial h3 .l1{color:var(--bg-navy)!important}
#insurance-solutions .ub-coverage-editorial h3 .l2,
#insurance-solutions .ub-kinetic-line{color:#8B929B!important}
#story #ub-story-title{color:var(--bg-navy)!important}
#story #ub-story-title .ub-reveal-word{color:rgba(15,27,45,.42)}
#story #ub-story-title .ub-reveal-word.is-lit{color:var(--bg-navy)!important}
#story #ub-story-title strong,
#story #ub-story-title strong .ub-reveal-word,
#story #ub-story-title strong .ub-reveal-word.is-lit{color:#3F5877!important}
/* The previous left-edge tint originated in an offset side ornament; hide only the ornamental stripe */
/* Source: experience.js injects a gold 3px fixed scroll-progress bar at top-left. */
.scroll-progress{display:none!important}
/* Respect active photographic and dark sections; card surfaces remain within the three tokens. */
#insurance-solutions .ub-insurance-header{background:transparent!important}
#insurance-solutions .ub-coverage-editorial .ub-coverage-disclosure{background:var(--bg-white)!important}
/* Coverage editorial is a full-bleed WHITE section, not a white card on paper. */
#insurance-solutions #coverage-options.ub-coverage-editorial{position:relative;isolation:isolate;background:transparent!important;border:0!important;box-shadow:none!important;outline:0;padding-top:54px;padding-bottom:36px}
#insurance-solutions #coverage-options.ub-coverage-editorial::before{content:"";position:absolute;z-index:-1;top:0;bottom:-95px;left:50%;width:100vw;transform:translateX(-50%);background:var(--bg-white);pointer-events:none}
/* Content wrappers are never surface cards. */
#insurance-solutions .ub-insurance-wrap,#services .chapter-wrap,#editorial-inquiry .page{background:transparent!important;border:0!important;box-shadow:none!important}
#services.chapters-section{background:var(--bg-white)!important}
#insurance-solutions .ub-coverage-pillars{background:transparent!important}