/* Instant Insurance Quotes — preview design system */
@font-face{font-family:"Inter";font-style:normal;font-weight:100 900;font-display:swap;src:url(/assets/fonts/inter-latin-wght-normal.woff2) format("woff2")}
@font-face{font-family:"Fraunces";font-style:normal;font-weight:100 900;font-display:swap;src:url(/assets/fonts/fraunces-latin-opsz-normal.woff2) format("woff2")}
@font-face{font-family:"Fraunces";font-style:italic;font-weight:100 900;font-display:swap;src:url(/assets/fonts/fraunces-latin-opsz-italic.woff2) format("woff2")}

:root{
  --navy:#0b2545; --navy-2:#13315c; --ink:#1a2433; --muted:#566273; --line:#e3e7ec;
  --teal:#0e7c7b; --teal-2:#0a6463; --teal-soft:#e4f3f2; --mint:#7fd8c9;
  --warm:#e8a33d; --warm-soft:#fdf3e2; --coral:#d9694a;
  --bg:#fbfaf7; --card:#ffffff; --sand:#f4f1ea;
  --radius:18px; --radius-sm:12px;
  --shadow:0 1px 2px rgba(11,37,69,.06),0 8px 24px rgba(11,37,69,.07);
  --shadow-lg:0 2px 6px rgba(11,37,69,.06),0 22px 48px rgba(11,37,69,.12);
  --serif:"Fraunces",Georgia,"Times New Roman",serif;
  --sans:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;font-family:var(--sans);color:var(--ink);background:var(--bg);font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--teal-2);text-underline-offset:3px}
a:hover{color:var(--navy)}
h1,h2,h3{font-family:var(--serif);color:var(--navy);line-height:1.15;font-weight:600;letter-spacing:-.01em;margin:0 0 .5em}
h1{font-size:clamp(2.1rem,4.6vw,3.5rem);font-weight:600}
h2{font-size:clamp(1.6rem,3vw,2.3rem)}
h3{font-size:1.25rem}
p{margin:0 0 1em}
.shell{width:min(1180px,calc(100% - 40px));margin-inline:auto}
.narrow{width:min(780px,calc(100% - 40px));margin-inline:auto}
.eyebrow{display:inline-block;font:600 .78rem/1.2 var(--sans);letter-spacing:.12em;text-transform:uppercase;color:var(--teal);margin-bottom:.9rem}
.lede{font-size:1.2rem;color:var(--muted);max-width:40em}
.skip{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:10px 14px;z-index:99}
.skip:focus{left:10px;top:10px}
:focus-visible{outline:3px solid var(--warm);outline-offset:2px}

/* Notice + header */
.notice{background:var(--navy);color:#cfe0f0;font-size:.82rem;text-align:center;padding:7px 12px}
.siteHeader{position:sticky;top:0;z-index:40;background:rgba(251,250,247,.92);backdrop-filter:saturate(160%) blur(10px);border-bottom:1px solid var(--line)}
.headerRow{display:flex;align-items:center;gap:28px;min-height:72px}
.brand{display:flex;align-items:center;gap:11px;text-decoration:none;color:var(--navy)}
.brand svg{width:40px;height:40px;flex:none}
.wordmark{display:flex;flex-direction:column;line-height:1.05}
.wordmark small{font:500 .64rem/1 var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--teal)}
.wordmark strong{font:600 1.2rem/1.1 var(--serif);color:var(--navy)}
.mainNav{display:flex;gap:4px;margin-left:auto}
.mainNav a{color:var(--ink);text-decoration:none;font-weight:500;font-size:.95rem;padding:8px 12px;border-radius:10px}
.mainNav a:hover,.mainNav a[aria-current=page]{background:var(--teal-soft);color:var(--teal-2)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font:600 .95rem/1 var(--sans);text-decoration:none;border-radius:999px;padding:13px 22px;border:1.5px solid transparent;cursor:pointer;transition:transform .15s ease,background .15s ease,box-shadow .15s ease;white-space:nowrap}
.btn:hover{transform:translateY(-1px)}
.btnPrimary{background:var(--teal);color:#fff}
.btnPrimary:hover{background:var(--teal-2);color:#fff}
.btnNavy{background:var(--navy);color:#fff}
.btnNavy:hover{background:var(--navy-2);color:#fff}
.btnGhost{border-color:#c5ced8;color:var(--navy);background:#fff}
.btnGhost:hover{border-color:var(--navy);color:var(--navy)}
.btnWarm{background:var(--warm);color:#1f1606}
.btnWarm:hover{background:#d99227;color:#1f1606}
.headerCta{padding:10px 18px;font-size:.9rem}
.menuToggle{display:none;margin-left:auto;background:none;border:1px solid var(--line);border-radius:10px;padding:8px 10px;cursor:pointer;color:var(--navy)}
.mobileMenu{display:none}

/* Hero */
.hero{position:relative;overflow:hidden;padding:64px 0 56px}
.heroGrid{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
.hero h1 em{font-style:italic;color:var(--teal)}
.heroPhoto{position:relative;border-radius:28px;overflow:hidden;box-shadow:var(--shadow-lg);aspect-ratio:4/3.3}
.heroPhoto img{width:100%;height:100%;object-fit:cover}
.heroBadge{position:absolute;left:18px;bottom:18px;background:rgba(255,255,255,.95);border-radius:14px;padding:12px 16px;box-shadow:var(--shadow);font-size:.88rem;color:var(--navy);max-width:78%}
.heroBadge b{display:block;font-family:var(--serif);font-size:1.02rem}
.hero .heroPhoto{aspect-ratio:auto}
.hero .heroPhoto img{height:auto;aspect-ratio:16/9;object-fit:cover;display:block}
.hero .heroBadge{position:static;max-width:none;border-radius:0;box-shadow:none;padding:14px 18px}
.guideSearch{margin:26px 0 14px;position:relative;max-width:560px}
.guideSearch label{display:block;font-weight:600;font-size:.88rem;color:var(--navy);margin-bottom:8px}
.searchBox{display:flex;align-items:center;background:#fff;border:1.5px solid #cfd7e0;border-radius:999px;padding:6px 6px 6px 18px;box-shadow:var(--shadow)}
.searchBox:focus-within{border-color:var(--teal)}
.searchBox svg{width:20px;height:20px;color:var(--muted);flex:none}
.searchBox input{flex:1;border:0;outline:0;font:inherit;font-size:1rem;padding:10px 12px;background:transparent;min-width:0}
.searchResults{position:absolute;left:0;right:0;top:100%;margin-top:8px;background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:var(--shadow-lg);list-style:none;padding:6px;z-index:30;max-height:340px;overflow:auto}
.searchResults[hidden]{display:none}
.searchResults a{display:block;padding:10px 12px;border-radius:10px;text-decoration:none;color:var(--ink)}
.searchResults a:hover,.searchResults a:focus{background:var(--teal-soft)}
.searchResults small{display:block;color:var(--teal);font-size:.74rem;text-transform:uppercase;letter-spacing:.08em;font-weight:600}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin-top:6px}
.chips a{font-size:.86rem;text-decoration:none;color:var(--navy);background:#fff;border:1px solid var(--line);border-radius:999px;padding:7px 13px}
.chips a:hover{border-color:var(--teal);color:var(--teal-2)}
.proof{display:flex;flex-wrap:wrap;gap:18px;margin-top:22px;color:var(--muted);font-size:.9rem}
.proof span::before{content:"✓";color:var(--teal);font-weight:700;margin-right:6px}

/* Trust rail */
.trustRail{background:#fff;border-block:1px solid var(--line)}
.trustRail .shell{display:grid;grid-template-columns:repeat(4,1fr);gap:0}
.trustRail .shell>div{padding:22px 20px;border-left:1px solid var(--line)}
.trustRail .shell>div:first-child{border-left:0}
.trustRail b{display:block;color:var(--navy);font-size:.98rem}
.trustRail span{color:var(--muted);font-size:.88rem}

/* Sections */
.section{padding:84px 0}
.section.tight{padding:56px 0}
.sectionHead{max-width:720px;margin-bottom:38px}
.sectionHead p{color:var(--muted);font-size:1.08rem}
.sand{background:var(--sand)}
.navyBand{background:var(--navy);color:#d7e3ef}
.navyBand h2,.navyBand h3{color:#fff}
.navyBand .eyebrow{color:var(--mint)}
.navyBand a{color:var(--mint)}

/* Coverage cards */
.coverGrid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.coverCard{position:relative;display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;text-decoration:none;color:var(--ink);box-shadow:var(--shadow);transition:transform .2s ease,box-shadow .2s ease}
.coverCard:hover{transform:translateY(-3px);box-shadow:var(--shadow-lg);color:var(--ink)}
.coverCard img{aspect-ratio:16/10;object-fit:cover;width:100%}
.coverCard .cc{padding:18px 20px 20px}
.coverCard strong{display:block;font-family:var(--serif);font-size:1.22rem;color:var(--navy);margin-bottom:4px}
.coverCard small{color:var(--muted);font-size:.9rem;display:block}
.coverCard .go{margin-top:12px;color:var(--teal-2);font-weight:600;font-size:.9rem}

/* Article cards */
.cardGrid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.aCard{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);transition:transform .2s,box-shadow .2s}
.aCard:hover{transform:translateY(-3px);box-shadow:var(--shadow-lg)}
.aCard .thumb{display:block;aspect-ratio:16/9;overflow:hidden;background:var(--sand)}
.aCard .thumb img{width:100%;height:100%;object-fit:cover;transition:transform .4s}
.aCard:hover .thumb img{transform:scale(1.03)}
.aCard .body{padding:18px 20px 22px;display:flex;flex-direction:column;flex:1}
.aCard .cat{font:600 .72rem/1 var(--sans);letter-spacing:.1em;text-transform:uppercase;color:var(--teal);margin-bottom:10px}
.aCard h3{font-size:1.14rem;margin:0 0 8px;line-height:1.3}
.aCard h3 a{color:var(--navy);text-decoration:none}
.aCard h3 a:hover{color:var(--teal-2)}
.aCard p{color:var(--muted);font-size:.93rem;margin:0 0 14px;flex:1}
.aCard .meta{font-size:.8rem;color:#7a8594}
.listGrid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px 28px}
.listGrid a{display:flex;gap:14px;align-items:center;text-decoration:none;color:var(--ink);padding:10px;border-radius:14px}
.listGrid a:hover{background:#fff;box-shadow:var(--shadow)}
.listGrid img{width:92px;height:68px;object-fit:cover;border-radius:10px;flex:none}
.listGrid strong{display:block;color:var(--navy);font-size:.98rem;line-height:1.35}
.listGrid small{color:var(--teal);font-size:.72rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase}
.textLink{font-weight:600;color:var(--teal-2);text-decoration:none}
.textLink:hover{text-decoration:underline}

/* Split + checklist */
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.checklist{display:grid;gap:14px}
.checklist>div{display:flex;gap:16px;background:#fff;border:1px solid var(--line);border-radius:var(--radius-sm);padding:18px 20px}
.checklist span{font:600 1.1rem/1 var(--serif);color:var(--teal);min-width:28px}
.checklist p{margin:0;color:var(--muted)}
.checklist strong{display:block;color:var(--navy)}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.steps article,.trustCards article{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:var(--radius);padding:26px}
.steps i,.trustCards b{display:inline-grid;place-items:center;width:38px;height:38px;border-radius:50%;background:var(--mint);color:var(--navy);font-style:normal;font-weight:700;margin-bottom:14px}
.trustCards{display:grid;gap:16px}
.lightCards article{background:#fff;border:1px solid var(--line);box-shadow:var(--shadow)}
.lightCards b{background:var(--teal-soft);color:var(--teal-2)}
.toolCallout{display:grid;grid-template-columns:1.2fr 1fr;gap:40px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:28px;padding:44px;box-shadow:var(--shadow)}
.toolCallout ul{padding-left:1.1em;color:var(--muted)}
.toolCallout img{border-radius:18px;aspect-ratio:4/3;object-fit:cover}

/* FAQ */
.faq details{background:#fff;border:1px solid var(--line);border-radius:var(--radius-sm);margin-bottom:12px;padding:0 22px}
.faq summary{cursor:pointer;font-weight:600;color:var(--navy);padding:18px 0;list-style:none;display:flex;justify-content:space-between;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.4rem;line-height:1;color:var(--teal)}
.faq details[open] summary::after{content:"–"}
.faq details p{color:var(--muted);margin:0 0 18px}

/* Closing */
.closing{background:linear-gradient(120deg,var(--navy),#123d63);color:#fff;padding:56px 0}
.closing .shell{display:flex;justify-content:space-between;align-items:center;gap:28px;flex-wrap:wrap}
.closing h2{color:#fff;margin:0}
.closing .eyebrow{color:var(--mint)}
.closing .actions{display:flex;gap:12px;flex-wrap:wrap}
.closing .btnGhost{background:transparent;color:#fff;border-color:rgba(255,255,255,.5)}
.closing .btnGhost:hover{border-color:#fff;color:#fff}

/* Page hero (inner) */
.pageHero{padding:56px 0 40px;background:linear-gradient(180deg,#fff, var(--bg))}
.pageHero .heroGrid{grid-template-columns:1.1fr .9fr;gap:48px}
.pageHero .heroPhoto{aspect-ratio:16/11}
.crumbs{font-size:.86rem;color:var(--muted);margin-bottom:18px;display:flex;flex-wrap:wrap;gap:6px}
.crumbs a{color:var(--muted);text-decoration:none}
.crumbs a:hover{color:var(--teal-2);text-decoration:underline}
.prose{font-size:1.06rem}
.prose h2{margin-top:1.6em;font-size:1.6rem}
.prose h3{margin-top:1.3em}
.prose ul,.prose ol{padding-left:1.25em}
.prose li{margin-bottom:.4em}
.hubIntro{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:56px;align-items:start}
.hubAside{position:sticky;top:96px;display:grid;gap:18px}
.asideCard{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow)}
.asideCard h3{font-size:1.08rem}
.asideCard ul{list-style:none;padding:0;margin:0}
.asideCard li{border-top:1px solid var(--line);padding:9px 0;font-size:.93rem}
.asideCard li:first-child{border-top:0}
.asideCard a{text-decoration:none}

/* Article */
.articleHero{padding:48px 0 24px}
.articleHero h1{font-size:clamp(2rem,4vw,3.05rem);max-width:21em}
.articleDek{font-size:1.22rem;color:var(--muted);max-width:40em}
.byline{display:flex;flex-wrap:wrap;align-items:center;gap:8px 14px;font-size:.9rem;color:var(--muted);margin-top:18px}
.byline .avatar{width:34px;height:34px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font:600 .8rem/1 var(--sans)}
.byline a{color:var(--navy);font-weight:600;text-decoration:none}
.byline a:hover{text-decoration:underline}
.byline .dot{color:#b5bdc7}
.featured{margin:28px 0 0}
.featured img{width:100%;aspect-ratio:21/9;object-fit:cover;border-radius:24px;box-shadow:var(--shadow)}
.featured figcaption,.credit{font-size:.76rem;color:#7a8594;margin-top:8px}
.featured figcaption a,.credit a{color:#7a8594}
.articleLayout{display:grid;grid-template-columns:minmax(0,720px) 300px;gap:64px;justify-content:space-between;padding:36px 0 40px}
.articleBody{font-size:1.09rem;line-height:1.75;min-width:0}
.articleBody>p:first-of-type{font-size:1.2rem;color:#2b3646}
.articleBody h2{font-size:1.65rem;margin:1.8em 0 .55em;scroll-margin-top:96px}
.articleBody section{scroll-margin-top:96px}
.articleBody a{color:var(--teal-2);text-decoration:underline;text-decoration-color:rgba(14,124,123,.35);text-decoration-thickness:2px}
.articleBody a:hover{text-decoration-color:var(--teal-2)}
.articleBody ul,.articleBody ol{padding-left:1.25em}
.articleBody li{margin-bottom:.45em}
.articleToc{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px 24px;margin:28px 0}
.articleToc strong{font:600 .78rem/1 var(--sans);letter-spacing:.12em;text-transform:uppercase;color:var(--teal)}
.articleToc ol{margin:12px 0 0;padding-left:1.2em}
.articleToc li{margin:.3em 0;font-size:.98rem}
.articleToc a{text-decoration:none!important;color:var(--navy)!important}
.articleToc a:hover{color:var(--teal-2)!important}
.tableScroll{overflow-x:auto;margin:22px 0;border:1px solid var(--line);border-radius:14px;background:#fff}
table{border-collapse:collapse;width:100%;font-size:.95rem}
th,td{text-align:left;padding:12px 14px;border-bottom:1px solid var(--line);vertical-align:top}
th{background:var(--teal-soft);color:var(--navy);font-weight:600}
tr:last-child td{border-bottom:0}
.workedExample{background:var(--warm-soft);border-left:4px solid var(--warm);border-radius:0 16px 16px 0;padding:22px 26px;margin:32px 0}
.workedExample h2{font-size:1.3rem;margin-top:0}
.articleBody .faqBlock,.articleBody .readerQuestions{margin:30px 0}
.articleSources{border-top:1px solid var(--line);margin-top:40px;padding-top:10px}
.articleSources h2{font-size:1.25rem}
.articleSources ul{font-size:.95rem}
.articleSources p{font-size:.86rem;color:#6b7684;line-height:1.6}
.articleTool{display:flex;flex-direction:column;gap:6px;background:var(--teal-soft);border-radius:var(--radius);padding:22px 24px;margin:30px 0}
.articleTool strong{color:var(--navy);font-family:var(--serif);font-size:1.15rem}
.articleTool p{margin:0;color:#3d4a59;font-size:.98rem}
.articleTool a{font-weight:600}
.reviewNote{font-size:.84rem;color:#6b7684;border-top:1px dashed var(--line);margin-top:20px;padding-top:14px}
.articleSide{position:relative}
.sideSticky{position:sticky;top:96px;display:grid;gap:20px}
.sideToc{font-size:.9rem}
.sideToc ol{padding-left:1.1em;margin:10px 0 0}
.sideToc a{color:var(--ink);text-decoration:none}
.sideToc a:hover{color:var(--teal-2)}
.authorBox{display:flex;gap:16px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px;margin:36px 0}
.authorBox .avatar{width:52px;height:52px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font:600 1rem/1 var(--sans);flex:none}
.authorBox p{margin:0;font-size:.94rem;color:var(--muted)}
.authorBox strong{color:var(--navy)}

/* Ads (Google) — neutral, labelled, collapse when empty */
.adSlot{display:none;margin:30px 0;text-align:center}
.adSlot.isLive{display:block}
.adSlot.isLive::before{content:"Advertisement";display:block;font-size:.68rem;letter-spacing:.12em;text-transform:uppercase;color:#8b95a1;margin-bottom:6px}
.adSlot ins[data-ad-status="unfilled"]{display:none!important}
.adSlot.isEmpty{display:none!important}
.adSlot.previewBox{display:block;border:1.5px dashed #c9d1da;border-radius:12px;padding:16px;color:#8b95a1;font-size:.78rem;background:repeating-linear-gradient(45deg,#fafbfc,#fafbfc 8px,#f3f5f7 8px,#f3f5f7 16px)}
.adSide{min-height:0}

/* Sponsored partner modules — clearly distinct from ads */
.sponsored{background:#fff;border:1.5px solid #d6e9e7;border-radius:22px;padding:26px;margin:28px 0;box-shadow:var(--shadow)}
.sponsored[hidden]{display:none}
.sponsoredHead{display:flex;justify-content:space-between;align-items:flex-start;gap:16px;flex-wrap:wrap;margin-bottom:16px}
.sponsoredHead h3{margin:0;font-size:1.3rem}
.sTag{display:inline-flex;align-items:center;gap:6px;font:700 .7rem/1 var(--sans);letter-spacing:.1em;text-transform:uppercase;color:#7a4b00;background:var(--warm-soft);border:1px solid #f1d39d;border-radius:999px;padding:6px 10px}
.sponsoredHead p{margin:6px 0 0;font-size:.86rem;color:var(--muted)}
.pGrid{display:grid;grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:14px}
.pCard{display:flex;flex-direction:column;gap:8px;border:1px solid var(--line);border-radius:16px;padding:18px;background:linear-gradient(180deg,#fff,#fbfdfd)}
.pCard[hidden]{display:none}
.pCard .pName{font:600 1.08rem/1.2 var(--serif);color:var(--navy)}
.pCard .pLines{font-size:.78rem;color:var(--teal);font-weight:600;letter-spacing:.04em}
.pCard p{font-size:.88rem;color:var(--muted);margin:0;flex:1}
.pCard .btn{margin-top:6px;font-size:.88rem;padding:11px 16px}
.pCard small{font-size:.72rem;color:#8b95a1}
.pCard.isPlaceholder{border-style:dashed;background:#fafbfc}
.pCard.isPlaceholder .btn{pointer-events:none;opacity:.55}
.embedSlot[hidden]{display:none}
.embedSlot{margin-top:14px}
.sponsoredFoot{font-size:.78rem;color:#7a8594;margin:14px 0 0}
.lineNav{display:flex;flex-wrap:wrap;gap:8px;margin:0 0 26px}
.lineNav a{font-size:.86rem;text-decoration:none;background:#fff;border:1px solid var(--line);border-radius:999px;padding:7px 14px;color:var(--navy)}
.lineNav a:hover{border-color:var(--teal)}

/* Click-to-call */
.callSlot{display:flex;align-items:center;justify-content:space-between;gap:18px;flex-wrap:wrap;background:var(--navy);color:#e3edf6;border-radius:20px;padding:22px 26px;margin:24px 0}
.callSlot[hidden]{display:none}
.callSlot strong{display:block;color:#fff;font-family:var(--serif);font-size:1.2rem}
.callSlot small{color:#b9cadb;font-size:.78rem}
.callSlot .btn{background:var(--warm);color:#1f1606}

/* Signup */
.signup{background:var(--teal-soft);border-radius:20px;padding:24px;margin:32px 0}
.signup[hidden]{display:none}
.signup h3{margin:0 0 4px;font-size:1.2rem}
.signup p{font-size:.92rem;color:#3d4a59;margin:0 0 12px}
.signupRow{display:flex;gap:8px;flex-wrap:wrap}
.signupRow input,.signupRow select{flex:1 1 180px;min-width:0;font:inherit;font-size:.95rem;padding:11px 14px;border:1px solid #c9d6d5;border-radius:12px;background:#fff}
.signup small{display:block;margin-top:8px;font-size:.75rem;color:#5b6876}
.signup .ok{color:var(--teal-2);font-weight:600}
.footer .signup{background:rgba(255,255,255,.06);margin:0}
.footer .signup h3{color:#fff}
.footer .signup p,.footer .signup small{color:#b9cadb}
.footer .signupRow input,.footer .signupRow select{border-color:transparent}

/* Forms / wizard */
.wizard{background:#fff;border:1px solid var(--line);border-radius:26px;box-shadow:var(--shadow-lg);overflow:hidden}
.wizardTop{display:flex;justify-content:space-between;padding:18px 26px;background:var(--navy);color:#cfe0f0;font-size:.88rem}
.wizardTop b{color:#fff}
.progress{height:5px;background:#e8edf2}
.progress i{display:block;height:100%;background:linear-gradient(90deg,var(--teal),var(--mint));transition:width .3s}
.formBody{padding:26px}
.formBody h2{font-size:1.55rem;margin-bottom:6px}
.formBody>p{color:var(--muted);font-size:.95rem}
label{display:block;font-weight:600;font-size:.9rem;color:var(--navy);margin:14px 0 0}
input,select,textarea{display:block;width:100%;margin-top:6px;font:inherit;font-weight:400;font-size:1rem;color:var(--ink);padding:12px 14px;border:1.5px solid #cfd7e0;border-radius:12px;background:#fff}
input:focus,select:focus,textarea:focus{outline:0;border-color:var(--teal);box-shadow:0 0 0 3px rgba(14,124,123,.15)}
textarea{min-height:110px;resize:vertical}
.two{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.choices{display:grid;gap:10px;margin-top:14px}
.choices label{display:flex;align-items:center;gap:10px;margin:0;border:1.5px solid #dbe2e9;border-radius:12px;padding:12px 14px;font-weight:500;cursor:pointer}
.choices input{width:auto;margin:0}
.choices label:has(input:checked){border-color:var(--teal);background:var(--teal-soft)}
.consent{display:flex!important;gap:10px;font-weight:400!important;color:var(--muted)!important;font-size:.86rem!important}
.consent input{width:auto;margin-top:4px;flex:none}
.buttonRow{display:flex;gap:10px;margin-top:20px}
.formBody button,.contactForm button,.toolPanel .secondaryButton{font:600 1rem/1 var(--sans);border:0;border-radius:999px;padding:14px 22px;background:var(--teal);color:#fff;cursor:pointer;margin-top:20px}
.formBody .buttonRow button{margin-top:0}
.formBody button.back{background:#eef2f5;color:var(--navy)}
.formBody button:disabled{opacity:.6}
.honey{position:absolute!important;left:-9999px!important;width:1px;height:1px;opacity:0}
.formError{margin:0 26px 18px;background:#fdeceb;color:#8a2a1c;border-radius:10px;padding:10px 14px;font-size:.9rem}
.secure{border-top:1px solid var(--line);padding:12px 26px;font-size:.8rem;color:#7a8594;background:#fafbfc}
.success{text-align:center}
.successIcon{display:inline-grid;place-items:center;width:56px;height:56px;border-radius:50%;background:var(--teal-soft);color:var(--teal);font-size:1.6rem;font-weight:700}
.continue{display:inline-flex;margin-top:14px;background:var(--warm);color:#1f1606;font-weight:700;text-decoration:none;border-radius:999px;padding:14px 24px}
.partnerNote{display:block;margin-top:10px;color:#7a8594;font-size:.78rem}
.previewNote{display:block;margin-top:10px;background:var(--warm-soft);border-radius:10px;padding:8px 12px;font-size:.8rem;color:#6b4a0d}

/* Tools */
.toolsPage{display:grid;gap:28px;padding:20px 0 70px}
.toolPanel{background:#fff;border:1px solid var(--line);border-radius:24px;padding:30px;box-shadow:var(--shadow)}
.toolHead{display:flex;justify-content:space-between;align-items:flex-start;gap:16px;flex-wrap:wrap}
.toolPanel .secondaryButton{background:#eef2f5;color:var(--navy);margin-top:0;font-size:.9rem;padding:10px 16px}
.proposalGrid{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:10px}
.proposal{border:1px solid var(--line);border-radius:18px;padding:6px 20px 20px;margin:0;min-width:0}
.proposal legend{font:600 1.05rem/1 var(--serif);color:var(--navy);padding:0 8px}
.toolResult{display:flex;justify-content:space-between;align-items:center;gap:12px;background:var(--teal-soft);border-radius:12px;padding:14px 16px;margin-top:16px;flex-wrap:wrap}
.toolResult span{font-size:.88rem;color:#3d4a59}
.toolResult strong{color:var(--navy);font-size:1.15rem}
.comparisonSummary{background:var(--warm-soft);border-radius:12px;padding:14px 16px;margin-top:18px;color:#5a3d07}
.toolNote,.localDataNote{font-size:.85rem;color:#6b7684;margin-top:16px}
.calculatorInputs{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.toolIntro,.toolNext{background:#fff;border:1px solid var(--line);border-radius:24px;padding:30px}
.toolLinks{display:flex;flex-wrap:wrap;gap:10px}
.toolLinks a{background:var(--teal-soft);border-radius:999px;padding:9px 16px;text-decoration:none;font-weight:600;font-size:.9rem}

/* Info pages */
.infoWrap{padding:56px 0 80px}
.infoBody{background:#fff;border:1px solid var(--line);border-radius:24px;padding:40px 44px;box-shadow:var(--shadow)}
.infoBody h2{font-size:1.45rem;margin-top:1.6em}
.infoBody h2:first-child{margin-top:0}
.contactForm{display:grid;gap:4px;margin-top:18px}
.contactSuccess{background:var(--teal-soft);border-radius:16px;padding:24px;text-align:center}
.credits{list-style:none;padding:0;display:grid;grid-template-columns:repeat(2,1fr);gap:14px}
.credits li{display:flex;gap:12px;align-items:center;font-size:.88rem;border:1px solid var(--line);border-radius:12px;padding:10px}
.credits img{width:84px;height:56px;object-fit:cover;border-radius:8px;flex:none}

/* Footer */
.footer{background:#0a1f3a;color:#b9cadb;padding:64px 0 28px;font-size:.93rem}
.footerGrid{display:grid;grid-template-columns:1.3fr repeat(3,1fr) 1.6fr;gap:36px}
.footer strong{display:block;color:#fff;margin-bottom:12px;font-size:.92rem}
.footer a{display:block;color:#b9cadb;text-decoration:none;padding:3px 0}
.footer a:hover{color:#fff}
.footer .brand{color:#fff;display:flex}
.footer .brand svg{box-shadow:0 0 0 1px rgba(255,255,255,.28);border-radius:14px}
.footer .wordmark strong{color:#fff}
.footer .wordmark small{color:var(--mint)}
.legal{border-top:1px solid rgba(255,255,255,.1);margin-top:44px;padding-top:22px;font-size:.8rem;color:#8ea3b8;line-height:1.6}

/* Responsive */
@media (max-width:1080px){
  .coverGrid{grid-template-columns:repeat(3,1fr)}
  .footerGrid{grid-template-columns:1fr 1fr 1fr}
  .footerGrid>div:first-child,.footerGrid>div:last-child{grid-column:1/-1}
  .articleLayout{grid-template-columns:minmax(0,1fr);}
  .articleSide{display:none}
}
@media (max-width:900px){
  .mainNav,.headerCta{display:none}
  .menuToggle{display:inline-flex}
  .mobileMenu.open{display:block;border-top:1px solid var(--line);background:#fff;padding:8px 20px 18px}
  .mobileMenu a{display:block;padding:12px 4px;border-bottom:1px solid var(--line);text-decoration:none;color:var(--navy);font-weight:500}
  .mobileMenu .btn{margin-top:14px;width:100%;border-bottom:0}
  .heroGrid,.pageHero .heroGrid,.split,.toolCallout,.hubIntro{grid-template-columns:1fr;gap:32px}
  .hubAside{position:static}
  .cardGrid{grid-template-columns:repeat(2,1fr)}
  .steps{grid-template-columns:1fr}
  .trustRail .shell{grid-template-columns:1fr 1fr}
  .trustRail .shell>div:nth-child(3){border-left:0}
  .trustRail .shell>div{border-top:1px solid var(--line)}
  .proposalGrid,.calculatorInputs{grid-template-columns:1fr}
  .section{padding:60px 0}
  .credits{grid-template-columns:1fr}
}
@media (max-width:620px){
  body{font-size:16px}
  .shell,.narrow{width:calc(100% - 32px)}
  .hero{padding:36px 0 40px}
  .coverGrid,.cardGrid,.listGrid{grid-template-columns:1fr}
  .coverGrid{grid-template-columns:1fr 1fr;gap:12px}
  .coverCard .cc{padding:12px 14px 14px}
  .coverCard strong{font-size:1.02rem}
  .coverCard small{font-size:.8rem}
  .coverCard .go{display:none}
  .two{grid-template-columns:1fr}
  .infoBody{padding:26px 20px}
  .toolCallout{padding:24px}
  .toolPanel{padding:20px}
  .featured img{aspect-ratio:16/10;border-radius:16px}
  .footerGrid{grid-template-columns:1fr 1fr}
  .wordmark strong{font-size:1.05rem}
  .closing .actions,.closing .btn{width:100%}
  .sponsored{padding:20px}
}

/* fixes after visual QA */
.articleBody a.btn{text-decoration:none}
.articleBody a.btnNavy,.articleBody a.btnPrimary{color:#fff}
.articleBody .callSlot a.btn{color:#1f1606}
.articleBody .continue{text-decoration:none}
.sponsoredHead>div{flex:1 1 320px}
@media (min-width:1081px){.articleBody .articleToc{display:none}}
@media (max-width:620px){.tableScroll table{min-width:560px}}
.pCard.isPlaceholder .btn{white-space:normal;font-size:.8rem;text-align:center}
.signup small a,.footer .signup small a{display:inline;padding:0;color:inherit;text-decoration:underline}
.chartFig{margin:28px 0;padding:20px 22px;background:#fff;border:1px solid var(--line);border-radius:16px}
.chartFig svg{display:block;max-width:100%;height:auto}
.chartFig figcaption{font-size:.86rem;color:var(--muted);margin-top:10px;line-height:1.5}
table caption{caption-side:top;text-align:left;font-size:.86rem;color:var(--muted);padding:10px 14px 0;font-weight:600}
.glossary dt{font-weight:700;color:var(--navy);margin-top:18px;font-size:1.02rem;scroll-margin-top:120px}
.articleBody section[id],.articleBody aside{scroll-margin-top:110px}
.glossary dd{margin:4px 0 0;line-height:1.6}
.glossary dd a{font-weight:500;white-space:nowrap}
.reviewedNote{font-size:.9rem!important;color:var(--muted)}