/* ─── SAME DESIGN SYSTEM AS AWARDS PAGE ─── */
*, *::before, *::after {
    box-sizing: border-box;
    margin: 0;
    padding: 0
}

:root {
    --sf: #FF6F00;
    --sf-lt: #FFF3E0;
    --sf-dk: #E65100;
    --gold: #F9A825;
    --gold-lt: #FFFDE7;
    --gold-dk: #F57F17;
    --blue: #1565C0;
    --blue-lt: #E3F2FD;
    --green: #2E7D32;
    --green-lt: #E8F5E9;
    --red: #C62828;
    --red-lt: #FFEBEE;
    --purple: #6A1B9A;
    --purple-lt: #F3E5F5;
    --ink: #12100A;
    --ink2: #3A2E1E;
    --muted: #786A54;
    --cream: #FFFDF8;
    --white: #fff;
    --bdr: rgba(255,111,0,.14);
    --bdr2: rgba(255,111,0,.28);
    --sh1: 0 2px 10px rgba(0,0,0,.06);
    --sh2: 0 8px 28px rgba(0,0,0,.09);
    --shg: 0 6px 24px rgba(249,168,37,.22);
    --r: 14px;
    --rs: 8px;
    --rp: 100px;
    --tr: .2s ease;
}

html {
    scroll-behavior: smooth
}

body {
    font-family: 'DM Sans',sans-serif;
    background: var(--cream);
    color: var(--ink);
    line-height: 1.7
}

a {
    color: inherit
}

.skip {
    position: absolute;
    top: -100%;
    left: 1rem;
    background: var(--sf);
    color: #fff;
    padding: .5rem 1rem;
    border-radius: var(--rs);
    font-size: 14px;
    z-index: 9999;
    transition: top .2s
}

    .skip:focus {
        top: 1rem
    }

/* TOPBAR */
.topbar {
    background: var(--ink);
    color: rgba(255,255,255,.65);
    font-size: 12px;
    padding: 7px 2rem;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 1rem
}

.tb-r {
    display: flex
}

    .tb-r a {
        color: rgba(255,255,255,.65);
        text-decoration: none;
        padding: 0 10px;
        border-right: 1px solid rgba(255,255,255,.1);
        white-space: nowrap;
        transition: color var(--tr)
    }

        .tb-r a:last-child {
            border-right: none
        }

        .tb-r a:hover {
            color: var(--gold)
        }

/* HEADER */
header {
    background: #fff;
    border-bottom: 2px solid var(--saffron);
    position: sticky;
    top: 0;
    z-index: 100;
    box-shadow: 0 2px 16px rgba(0,0,0,0.06);
}

.header-inner {
    max-width: 1280px;
    margin: 0 auto;
    padding: 0 2rem;
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 64px;
}

.hdr {
    max-width: 1300px;
    margin: 0 auto;
    padding: 0 2rem;
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 66px
}

.logo {
    display: flex;
    align-items: center;
    gap: 10px;
    text-decoration: none;
    flex-shrink: 0
}

.logo-b {
    width: 42px;
    height: 42px;
    background: linear-gradient(135deg,var(--sf),var(--sf-dk));
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: 'Playfair Display',serif;
    font-weight: 900;
    color: #fff;
    font-size: 21px
}

.logo-n {
    font-family: 'Playfair Display',serif;
    font-weight: 700;
    font-size: 22px;
    color: var(--ink)
}

    .logo-n span {
        color: var(--sf)
    }

/* Desktop nav */
.dnav {
    display: flex;
    align-items: center
}

    .dnav .hs {
        position: relative
    }

        .dnav .hs > a {
            display: flex;
            align-items: center;
            gap: 4px;
            padding: 0 13px;
            height: 66px;
            font-size: 13.5px;
            font-weight: 500;
            color: var(--ink2);
            text-decoration: none;
            border-bottom: 3px solid transparent;
            white-space: nowrap;
            transition: color var(--tr),border-color var(--tr)
        }

            .dnav .hs > a::after {
                content: '▾';
                font-size: 9px;
                opacity: .45
            }

            .dnav .hs > a:hover, .dnav .hs > a.cur {
                color: var(--sf);
                border-bottom-color: var(--sf)
            }

    .dnav .sm {
        display: none;
        position: absolute;
        top: 100%;
        left: 0;
        background: var(--white);
        border: 1px solid var(--bdr);
        border-top: 2.5px solid var(--sf);
        border-radius: 0 0 12px 12px;
        min-width: 210px;
        z-index: 300;
        box-shadow: var(--sh2)
    }

        .dnav .sm a {
            display: block;
            padding: 10px 18px;
            font-size: 13px;
            font-weight: 500;
            color: var(--ink2);
            text-decoration: none;
            border-bottom: 1px solid var(--bdr);
            transition: background var(--tr),color var(--tr);
            white-space: nowrap
        }

            .dnav .sm a:last-child {
                border-bottom: none;
                border-radius: 0 0 12px 12px
            }

            .dnav .sm a:hover {
                background: var(--sf-lt);
                color: var(--sf)
            }

    .dnav .hs:hover .sm {
        display: block
    }

.ncta {
    background: var(--sf) !important;
    color: #fff !important;
    border-radius: var(--rs) !important;
    margin-left: 8px;
    padding: 9px 18px;
    border-bottom: none !important;
    font-weight: 600 !important;
    font-size: 13.5px !important;
    height: auto !important;
    display: inline-block;
    text-decoration: none;
    transition: background var(--tr)
}

    .ncta:hover {
        background: var(--sf-dk) !important
    }

/* Hamburger */
.hbg {
    display: none;
    flex-direction: column;
    justify-content: center;
    align-items: center;
    gap: 5px;
    width: 44px;
    height: 44px;
    border: none;
    background: transparent;
    cursor: pointer;
    padding: 6px;
    border-radius: var(--rs);
    transition: background var(--tr)
}

    .hbg:hover {
        background: var(--sf-lt)
    }

    .hbg .bar {
        display: block;
        width: 24px;
        height: 2.5px;
        background: var(--ink);
        border-radius: 2px;
        transition: transform .3s,opacity .3s
    }

    .hbg.op .bar:nth-child(1) {
        transform: translateY(7.5px) rotate(45deg)
    }

    .hbg.op .bar:nth-child(2) {
        opacity: 0;
        transform: scaleX(0)
    }

    .hbg.op .bar:nth-child(3) {
        transform: translateY(-7.5px) rotate(-45deg)
    }

/* Mobile drawer */
.mnav {
    display: none;
    position: fixed;
    inset: 0;
    z-index: 1000
}

    .mnav.op {
        display: block
    }

.mov {
    position: absolute;
    inset: 0;
    background: rgba(0,0,0,.5);
    backdrop-filter: blur(3px)
}

.mdrw {
    position: absolute;
    top: 0;
    right: 0;
    bottom: 0;
    width: min(88vw,350px);
    background: var(--white);
    overflow-y: auto;
    display: flex;
    flex-direction: column;
    transform: translateX(110%);
    transition: transform .34s cubic-bezier(.4,0,.2,1);
    box-shadow: -10px 0 40px rgba(0,0,0,.18)
}

.mnav.op .mdrw {
    transform: translateX(0)
}

.mhd {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 0 1.25rem;
    height: 66px;
    border-bottom: 2.5px solid var(--sf);
    position: sticky;
    top: 0;
    background: var(--white);
    z-index: 2
}

.mlogo {
    font-family: 'Playfair Display',serif;
    font-weight: 700;
    font-size: 21px;
    color: var(--ink);
    text-decoration: none
}

    .mlogo span {
        color: var(--sf)
    }

.mcls {
    width: 38px;
    height: 38px;
    border: none;
    background: var(--sf-lt);
    border-radius: var(--rs);
    cursor: pointer;
    color: var(--sf);
    font-size: 19px;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: background var(--tr)
}

    .mcls:hover {
        background: var(--sf);
        color: #fff
    }

.mbdy {
    flex: 1;
    padding: .5rem 0 2rem
}

.mi {
    border-bottom: 1px solid var(--bdr)
}

.mrow {
    display: flex;
    align-items: center
}

.mlnk {
    flex: 1;
    padding: 14px 1.25rem;
    font-size: 15px;
    font-weight: 500;
    color: var(--ink2);
    text-decoration: none;
    display: block;
    transition: background var(--tr),color var(--tr)
}

    .mlnk:hover {
        background: var(--sf-lt);
        color: var(--sf)
    }

.mtgl {
    background: none;
    border: none;
    cursor: pointer;
    width: 44px;
    height: 48px;
    font-size: 13px;
    color: var(--muted);
    display: flex;
    align-items: center;
    justify-content: center;
    transition: transform .25s,color var(--tr)
}

    .mtgl.op {
        transform: rotate(180deg);
        color: var(--sf)
    }

.msub {
    display: none;
    background: #FFFDF8;
    border-top: 1px solid var(--bdr)
}

    .msub.op {
        display: block
    }

    .msub a {
        display: block;
        padding: 11px 1.25rem 11px 2.25rem;
        font-size: 13.5px;
        color: var(--ink2);
        text-decoration: none;
        border-bottom: 1px solid var(--bdr);
        transition: background var(--tr),color var(--tr)
    }

        .msub a:last-child {
            border-bottom: none
        }

        .msub a::before {
            content: '→ ';
            color: var(--sf);
            font-size: 11px
        }

        .msub a:hover {
            background: var(--sf-lt);
            color: var(--sf)
        }

.mcta-btn {
    display: block;
    margin: 1rem 1.25rem;
    background: var(--sf);
    color: #fff;
    text-align: center;
    padding: 14px;
    border-radius: var(--rs);
    font-weight: 600;
    font-size: 15px;
    text-decoration: none;
    transition: background var(--tr)
}

    .mcta-btn:hover {
        background: var(--sf-dk)
    }

.msoc {
    display: flex;
    gap: 8px;
    padding: 0 1.25rem 1rem
}

    .msoc a {
        flex: 1;
        padding: 9px 0;
        border-radius: var(--rs);
        border: 1px solid var(--bdr);
        text-align: center;
        font-size: 12px;
        font-weight: 600;
        color: var(--ink2);
        text-decoration: none;
        transition: background var(--tr),color var(--tr)
    }

        .msoc a:hover {
            background: var(--sf);
            color: #fff;
            border-color: var(--sf)
        }

/* BREADCRUMB */
.bc {
    background: var(--white);
    border-bottom: 1px solid var(--bdr)
}

.bci {
    max-width: 1300px;
    margin: 0 auto;
    padding: 10px 2rem;
    display: flex;
    align-items: center;
    gap: 7px;
    font-size: 13px;
    color: var(--muted);
    flex-wrap: wrap
}

    .bci a {
        color: var(--muted);
        text-decoration: none;
        transition: color var(--tr)
    }

        .bci a:hover {
            color: var(--sf)
        }

    .bci .sep {
        opacity: .4
    }

    .bci .cur {
        color: var(--sf);
        font-weight: 600
    }

/* HERO — insurance blue/green theme over shared dark base */
.hero {
    background: linear-gradient(140deg,#0A1628 0%,#0D2B50 45%,#0F3D6E 100%);
    color: #fff;
    padding: 4.5rem 2rem 3.5rem;
    position: relative;
    overflow: hidden
}

    .hero::before {
        content: '🛡️';
        font-size: 340px;
        position: absolute;
        right: -40px;
        top: -60px;
        opacity: .04;
        line-height: 1;
        pointer-events: none
    }

    .hero::after {
        content: '';
        position: absolute;
        bottom: 0;
        left: 0;
        right: 0;
        height: 4px;
        background: linear-gradient(90deg,var(--sf),var(--gold),#4CAF50,var(--sf))
    }

.hi {
    max-width: 1300px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1fr auto;
    gap: 3rem;
    align-items: center;
    position: relative
}

.eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    background: var(--gold);
    color: var(--ink);
    font-size: 11px;
    font-weight: 700;
    padding: 5px 14px;
    border-radius: var(--rp);
    letter-spacing: .8px;
    text-transform: uppercase;
    margin-bottom: 1.1rem
}

.h1 {
    font-family: 'Playfair Display',serif;
    font-size: clamp(1.9rem,3.5vw,3.1rem);
    font-weight: 900;
    line-height: 1.18;
    margin-bottom: 1rem
}

    .h1 em {
        color: var(--gold);
        font-style: normal
    }

.hdesc {
    font-size: 16px;
    opacity: .82;
    max-width: 580px;
    line-height: 1.78;
    margin-bottom: 1.75rem
}

.hpills {
    display: flex;
    gap: 10px;
    flex-wrap: wrap;
    margin-bottom: 1.5rem
}

.hpill {
    display: inline-flex;
    align-items: center;
    gap: 5px;
    background: rgba(255,255,255,.09);
    border: 1px solid rgba(255,255,255,.16);
    padding: 6px 14px;
    border-radius: var(--rp);
    font-size: 12.5px;
    font-weight: 500
}

.hbtns {
    display: flex;
    gap: 12px;
    flex-wrap: wrap
}

.btng {
    background: var(--gold);
    color: var(--ink);
    padding: 12px 26px;
    border-radius: var(--rs);
    font-weight: 700;
    font-size: 14.5px;
    text-decoration: none;
    transition: background var(--tr),transform var(--tr);
    display: inline-block
}

    .btng:hover {
        background: var(--gold-dk);
        transform: translateY(-1px)
    }

.btno {
    border: 1.5px solid rgba(255,255,255,.3);
    color: #fff;
    padding: 12px 26px;
    border-radius: var(--rs);
    font-weight: 500;
    font-size: 14.5px;
    text-decoration: none;
    transition: border-color var(--tr),background var(--tr);
    display: inline-block
}

    .btno:hover {
        border-color: var(--gold);
        background: rgba(249,168,37,.1)
    }

.hcnt {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1rem
}

.hcn {
    background: rgba(255,255,255,.07);
    border: 1px solid rgba(255,255,255,.1);
    border-radius: var(--r);
    padding: 1.4rem;
    text-align: center
}

    .hcn .n {
        display: block;
        font-family: 'Playfair Display',serif;
        font-size: 2.2rem;
        font-weight: 900;
        color: var(--gold);
        line-height: 1
    }

    .hcn .l {
        display: block;
        font-size: 11px;
        opacity: .6;
        text-transform: uppercase;
        letter-spacing: .5px;
        margin-top: 5px
    }

/* TICKER */
.ticker {
    background: var(--sf);
    overflow: hidden;
    padding: 10px 0;
    position: relative
}

.ttag {
    position: absolute;
    left: 0;
    top: 0;
    bottom: 0;
    background: var(--sf-dk);
    padding: 0 18px;
    font-weight: 700;
    font-size: 11px;
    letter-spacing: 1.2px;
    text-transform: uppercase;
    color: #fff;
    display: flex;
    align-items: center;
    white-space: nowrap;
    z-index: 2
}

.ttrk {
    display: flex;
    gap: 2.5rem;
    animation: slide 32s linear infinite;
    padding-left: 130px;
    white-space: nowrap
}

    .ttrk span {
        font-size: 13px;
        font-weight: 500;
        color: #fff
    }

        .ttrk span::before {
            content: '🛡️ '
        }

@keyframes slide {
    from {
        transform: translateX(0)
    }

    to {
        transform: translateX(-50%)
    }
}

/* LAYOUT */
.wrap {
    max-width: 1300px;
    margin: 0 auto;
    padding: 0 2rem
}

.pg {
    display: grid;
    grid-template-columns: 1fr 330px;
    gap: 2.5rem;
    padding: 3rem 0;
    align-items: start
}

.sc {
    position: sticky;
    top: 80px;
    display: flex;
    flex-direction: column;
    gap: 1.5rem
}

/* BLOCKS */
.blk {
    margin-bottom: 2.5rem
}

.btl {
    font-family: 'Playfair Display',serif;
    font-size: 1.7rem;
    font-weight: 700;
    color: var(--ink);
    margin-bottom: 1.4rem;
    display: flex;
    align-items: center;
    gap: 12px
}

    .btl::before {
        content: '';
        flex-shrink: 0;
        width: 5px;
        height: 1.2em;
        background: var(--sf);
        border-radius: 3px;
        display: inline-block
    }

.bsub {
    font-size: 14px;
    color: var(--muted);
    margin-top: -1rem;
    margin-bottom: 1.4rem;
    padding-left: 17px
}

/* INSURANCE CATEGORY TILES */
.igr {
    display: grid;
    grid-template-columns: repeat(2,1fr);
    gap: .85rem
}

.itl {
    display: flex;
    align-items: center;
    gap: 14px;
    background: var(--white);
    border: 1.5px solid var(--bdr);
    border-left: 5px solid var(--sf);
    border-radius: var(--r);
    padding: 1.1rem 1.25rem;
    text-decoration: none;
    transition: box-shadow var(--tr),transform var(--tr),border-color var(--tr)
}

    .itl:hover {
        box-shadow: var(--shg);
        transform: translateY(-2px);
        border-left-color: var(--gold)
    }

    .itl .ti {
        font-size: 1.85rem;
        flex-shrink: 0
    }

    .itl .tn {
        font-weight: 700;
        font-size: 14px;
        color: var(--ink);
        line-height: 1.3
    }

    .itl .ts {
        font-size: 11px;
        color: var(--muted);
        margin-top: 2px
    }

/* PLAN CARD — same style as award card */
.pc {
    background: var(--white);
    border: 1px solid var(--bdr);
    border-radius: var(--r);
    overflow: hidden;
    margin-bottom: 1.75rem;
    box-shadow: var(--sh1);
    transition: box-shadow var(--tr)
}

    .pc:hover {
        box-shadow: var(--sh2)
    }

.pch {
    display: flex;
    align-items: flex-start;
    gap: 1.25rem;
    padding: 1.75rem;
    border-bottom: 1px solid var(--bdr)
}

.pci {
    width: 66px;
    height: 66px;
    border-radius: 14px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 2.1rem;
    flex-shrink: 0
}

.pcin h2 {
    font-family: 'Playfair Display',serif;
    font-size: 1.38rem;
    font-weight: 700;
    color: var(--ink);
    margin-bottom: 5px
}

.pcin p {
    font-size: 13.5px;
    color: var(--muted);
    line-height: 1.55
}

.pcbdg {
    display: inline-flex;
    align-items: center;
    gap: 5px;
    margin-top: 9px;
    background: var(--gold-lt);
    border: 1px solid var(--gold);
    color: #6B4A00;
    font-size: 11px;
    font-weight: 700;
    padding: 3px 11px;
    border-radius: var(--rp)
}

    .pcbdg.blue {
        background: var(--blue-lt);
        border-color: #90CAF9;
        color: #0D47A1
    }

    .pcbdg.green {
        background: var(--green-lt);
        border-color: #A5D6A7;
        color: #1B5E20
    }

.pcb {
    padding: 1.6rem 1.75rem
}

    .pcb p {
        font-size: 14.5px;
        color: var(--ink2);
        line-height: 1.82;
        margin-bottom: .9rem
    }

        .pcb p:last-child {
            margin-bottom: 0
        }

    .pcb strong {
        color: var(--ink)
    }

    .pcb a {
        color: var(--sf);
        text-decoration: none
    }

        .pcb a:hover {
            text-decoration: underline
        }

/* Plan sub-items list */
.plan-list {
    list-style: none;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: .5rem .75rem;
    margin: 1rem 0
}

    .plan-list li {
        display: flex;
        align-items: flex-start;
        gap: 8px;
        font-size: 13.5px;
        color: var(--ink2);
        line-height: 1.5
    }

        .plan-list li::before {
            content: '✓';
            color: #2E7D32;
            font-weight: 700;
            font-size: 14px;
            flex-shrink: 0;
            margin-top: 1px
        }

/* Chips */
.chips-l {
    font-size: 11.5px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: .8px;
    color: var(--muted);
    margin-bottom: 8px;
    margin-top: 1.2rem
}

.chips {
    display: flex;
    flex-wrap: wrap;
    gap: 7px;
    margin-bottom: .5rem
}

.chip {
    padding: 5px 14px;
    border-radius: var(--rp);
    font-size: 12.5px;
    font-weight: 500;
    background: var(--sf-lt);
    color: var(--sf-dk);
    border: 1px solid var(--bdr2)
}

    .chip.g {
        background: var(--gold-lt);
        color: #6B4A00;
        border-color: #F9C94F
    }

    .chip.blue {
        background: var(--blue-lt);
        color: #0D47A1;
        border-color: #90CAF9
    }

    .chip.green {
        background: var(--green-lt);
        color: #1B5E20;
        border-color: #A5D6A7
    }

/* Comparison table */
.tw {
    overflow-x: auto;
    margin: 1.2rem 0
}

.tlbl {
    font-size: 12px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: .8px;
    color: var(--ink2);
    margin-bottom: 8px
}

table.wt {
    width: 100%;
    border-collapse: collapse;
    font-size: 13.5px
}

    table.wt th {
        background: var(--sf);
        color: #fff;
        font-weight: 600;
        font-size: 12px;
        text-transform: uppercase;
        letter-spacing: .4px;
        padding: 10px 14px;
        text-align: left
    }

    table.wt td {
        padding: 9px 14px;
        border-bottom: 1px solid var(--bdr);
        color: var(--ink2)
    }

    table.wt tr:last-child td {
        border-bottom: none
    }

    table.wt tr:nth-child(even) td {
        background: #FFFDF8
    }

.check {
    color: #2E7D32;
    font-weight: 700
}

.cross {
    color: #C62828
}

.pcf {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1rem;
    padding: 1.1rem 1.75rem;
    background: #FFFDF8;
    border-top: 1px solid var(--bdr);
    flex-wrap: wrap
}

.lbtn {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 9px 20px;
    border-radius: var(--rs);
    font-size: 13px;
    font-weight: 600;
    text-decoration: none;
    transition: background var(--tr),color var(--tr)
}

    .lbtn.p {
        background: var(--sf);
        color: #fff
    }

        .lbtn.p:hover {
            background: var(--sf-dk)
        }

    .lbtn.g {
        border: 1.5px solid var(--bdr2);
        color: var(--sf)
    }

        .lbtn.g:hover {
            background: var(--sf);
            color: #fff;
            border-color: var(--sf)
        }

    .lbtn.blue {
        background: var(--blue);
        color: #fff
    }

        .lbtn.blue:hover {
            background: #0D47A1
        }

/* HOW IT WORKS STEPS */
.steps {
    display: grid;
    grid-template-columns: repeat(5,1fr);
    gap: 1rem;
    margin: 1.5rem 0
}

.step {
    text-align: center;
    padding: 1.25rem .75rem;
    background: var(--white);
    border: 1px solid var(--bdr);
    border-radius: var(--r);
    position: relative
}

    .step:not(:last-child)::after {
        content: '→';
        position: absolute;
        right: -18px;
        top: 50%;
        transform: translateY(-50%);
        font-size: 18px;
        color: var(--sf);
        font-weight: 700
    }

.step-num {
    width: 40px;
    height: 40px;
    background: var(--sf);
    color: #fff;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 16px;
    margin: 0 auto 10px
}

.step-icon {
    font-size: 1.75rem;
    margin-bottom: 8px
}

.step-title {
    font-weight: 700;
    font-size: 13px;
    color: var(--ink);
    margin-bottom: 4px
}

.step-text {
    font-size: 12px;
    color: var(--muted);
    line-height: 1.5
}

/* WHY CHOOSE */
.wgr {
    display: grid;
    grid-template-columns: repeat(3,1fr);
    gap: 1rem
}

.wcard {
    background: linear-gradient(140deg,#EEF2FF,#E8F0FF);
    border: 1px solid rgba(21,101,192,.14);
    border-radius: var(--r);
    padding: 1.4rem
}

.wicon {
    font-size: 1.9rem;
    margin-bottom: 10px
}

.wtitle {
    font-weight: 700;
    font-size: 14.5px;
    color: var(--ink);
    margin-bottom: 6px
}

.wtext {
    font-size: 13px;
    color: var(--muted);
    line-height: 1.65
}

/* ALL INSURANCE A-Z */
.az-grid {
    display: grid;
    grid-template-columns: repeat(3,1fr);
    gap: .6rem
}

.az-link {
    display: block;
    padding: 9px 14px;
    background: var(--white);
    border: 1px solid var(--bdr);
    border-radius: var(--rs);
    font-size: 13px;
    color: var(--ink2);
    text-decoration: none;
    transition: background var(--tr),color var(--tr),border-color var(--tr)
}

    .az-link:hover {
        background: var(--sf-lt);
        color: var(--sf);
        border-color: var(--bdr2)
    }

.az-section {
    margin-bottom: 1.5rem
}

.az-letter {
    font-family: 'Playfair Display',serif;
    font-size: 1.1rem;
    font-weight: 700;
    color: var(--sf);
    margin-bottom: .6rem;
    padding-bottom: .3rem;
    border-bottom: 2px solid var(--bdr)
}

/* TAX BENEFITS */
.tax-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1rem
}

.tax-card {
    background: var(--white);
    border: 1px solid var(--bdr);
    border-left: 4px solid var(--green);
    border-radius: var(--r);
    padding: 1.5rem
}

    .tax-card.blue {
        border-left-color: var(--blue)
    }

.tax-sec {
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--sf);
    font-family: 'Playfair Display',serif;
    margin-bottom: 5px
}

.tax-name {
    font-weight: 700;
    font-size: 15px;
    color: var(--ink);
    margin-bottom: 6px
}

.tax-desc {
    font-size: 13.5px;
    color: var(--ink2);
    line-height: 1.65
}

.tax-limit {
    display: inline-block;
    margin-top: 8px;
    background: var(--green-lt);
    color: var(--green);
    font-size: 12px;
    font-weight: 700;
    padding: 3px 10px;
    border-radius: var(--rp)
}

    .tax-limit.blue {
        background: var(--blue-lt);
        color: var(--blue)
    }

/* FAQ */
.faqls {
    display: flex;
    flex-direction: column;
    gap: .75rem
}

.faqc {
    border: 1px solid var(--bdr);
    border-radius: var(--rs);
    overflow: hidden
}

.faqq {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 1rem;
    padding: 1.05rem 1.25rem;
    font-weight: 600;
    font-size: 14.5px;
    color: var(--ink);
    background: var(--white);
    cursor: pointer;
    user-select: none;
    transition: background var(--tr)
}

    .faqq:hover {
        background: var(--sf-lt)
    }

.faqi {
    flex-shrink: 0;
    font-size: 12px;
    color: var(--sf);
    transition: transform .28s
}

.faqq.op .faqi {
    transform: rotate(180deg)
}

.faqa {
    display: none;
    padding: .9rem 1.25rem 1.1rem;
    font-size: 14px;
    color: var(--ink2);
    line-height: 1.78;
    background: var(--white);
    border-top: 1px solid var(--bdr)
}

    .faqa.op {
        display: block
    }

    .faqa a {
        color: var(--sf);
        text-decoration: none
    }

        .faqa a:hover {
            text-decoration: underline
        }

/* SEO PROSE */
.seob {
    background: var(--white);
    border: 1px solid var(--bdr);
    border-radius: var(--r);
    padding: 2rem
}

    .seob h2 {
        font-family: 'Playfair Display',serif;
        font-size: 1.25rem;
        font-weight: 700;
        color: var(--ink);
        margin-bottom: .9rem
    }

    .seob p {
        font-size: 14px;
        color: var(--ink2);
        line-height: 1.85;
        margin-bottom: .85rem
    }

        .seob p:last-child {
            margin-bottom: 0
        }

    .seob a {
        color: var(--sf);
        text-decoration: none
    }

        .seob a:hover {
            text-decoration: underline
        }

/* SIDEBAR */
.sbc {
    background: var(--white);
    border: 1px solid var(--bdr);
    border-radius: var(--r);
    overflow: hidden
}

.sbh {
    background: linear-gradient(135deg,var(--sf),var(--sf-dk));
    color: #fff;
    padding: 1rem 1.25rem;
    font-weight: 700;
    font-size: 13.5px;
    display: flex;
    align-items: center;
    gap: 7px
}

    .sbh.blue {
        background: linear-gradient(135deg,var(--blue),#0D47A1)
    }

    .sbh.green {
        background: linear-gradient(135deg,var(--green),#1B5E20)
    }

.sbls {
    list-style: none
}

    .sbls li {
        border-bottom: 1px solid var(--bdr)
    }

        .sbls li:last-child {
            border-bottom: none
        }

    .sbls a {
        display: flex;
        align-items: center;
        justify-content: space-between;
        padding: 10.5px 1.25rem;
        font-size: 13.5px;
        color: var(--ink2);
        text-decoration: none;
        transition: background var(--tr),color var(--tr)
    }

        .sbls a:hover {
            background: var(--sf-lt);
            color: var(--sf)
        }

.sbbdg {
    font-size: 10.5px;
    font-weight: 700;
    background: var(--sf-lt);
    color: var(--sf);
    padding: 2px 8px;
    border-radius: var(--rp);
    white-space: nowrap
}

    .sbbdg.g {
        background: var(--gold-lt);
        color: #6B4A00
    }

    .sbbdg.green {
        background: var(--green-lt);
        color: var(--green)
    }

    .sbbdg.blue {
        background: var(--blue-lt);
        color: var(--blue)
    }

.sbarr {
    opacity: .3;
    font-size: 12px
}

/* Quote CTA card */
.cta-card {
    background: linear-gradient(140deg,#0A1628,#0D2B50);
    color: #fff;
    border-radius: var(--r);
    padding: 1.75rem;
    text-align: center
}

    .cta-card h3 {
        font-family: 'Playfair Display',serif;
        font-size: 1.2rem;
        font-weight: 700;
        color: var(--gold);
        margin-bottom: .65rem
    }

    .cta-card p {
        font-size: 13px;
        opacity: .7;
        line-height: 1.6;
        margin-bottom: 1.25rem
    }

    .cta-card .lbtn {
        justify-content: center;
        width: 100%;
        font-size: 14px;
        padding: 12px
    }

/* FOOTER */
footer {
    background: var(--ink);
    color: #fff;
    padding: 4rem 2rem 2rem
}

.fi {
    max-width: 1300px;
    margin: 0 auto
}

.fg {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1fr 1fr;
    gap: 2rem;
    margin-bottom: 3rem
}

.flogo {
    font-family: 'Playfair Display',serif;
    font-weight: 700;
    font-size: 21px;
    color: #fff;
    display: block;
    margin-bottom: .75rem;
    text-decoration: none
}

    .flogo span {
        color: var(--sf)
    }

.fbp {
    font-size: 13px;
    line-height: 1.7;
    opacity: .58;
    max-width: 265px;
    margin-bottom: 1.25rem
}

.fsoc {
    display: flex;
    gap: 8px
}

    .fsoc a {
        width: 36px;
        height: 36px;
        border-radius: var(--rs);
        border: 1px solid rgba(255,255,255,.15);
        display: flex;
        align-items: center;
        justify-content: center;
        color: rgba(255,255,255,.55);
        text-decoration: none;
        font-size: 14px;
        transition: background var(--tr),color var(--tr)
    }

        .fsoc a:hover {
            background: var(--sf);
            color: #fff;
            border-color: var(--sf)
        }

.fc h4 {
    font-size: 11px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1.1px;
    color: var(--sf);
    margin-bottom: 1rem
}

.fc ul {
    list-style: none
}

    .fc ul li {
        margin-bottom: 7px
    }

        .fc ul li a {
            font-size: 13px;
            color: rgba(255,255,255,.52);
            text-decoration: none;
            transition: color var(--tr)
        }

            .fc ul li a:hover {
                color: #fff
            }

.fbot {
    border-top: 1px solid rgba(255,255,255,.07);
    padding-top: 1.5rem;
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 1rem;
    color: #fff;
}

    .fbot p {
        font-size: 12px;
        opacity: .38
    }

    .fbot nav {
        display: flex;
        gap: 1.25rem
    }

        .fbot nav a {
            font-size: 12px;
            color: rgba(255,255,255,.38);
            text-decoration: none
        }

            .fbot nav a:hover {
                color: rgba(255,255,255,.8)
            }

/* RESPONSIVE */
@media(max-width:1050px) {
    .pg {
        grid-template-columns: 1fr
    }

    .sc {
        position: static
    }

    .hi {
        grid-template-columns: 1fr
    }

    .hcnt {
        grid-template-columns: repeat(4,1fr)
    }

    .fg {
        grid-template-columns: 1fr 1fr
    }

    .dnav {
        display: none
    }

    .hbg {
        display: flex
    }

    .steps {
        grid-template-columns: repeat(3,1fr)
    }

    .step:nth-child(3)::after {
        display: none
    }
}

@media(max-width:640px) {
    .igr, .wgr, .tax-grid {
        grid-template-columns: 1fr
    }

    .az-grid {
        grid-template-columns: 1fr 1fr
    }

    .hcnt {
        grid-template-columns: repeat(2,1fr)
    }

    .topbar {
        display: none
    }

    .hero {
        padding: 3rem 1.5rem 2.5rem
    }

    .steps {
        grid-template-columns: 1fr 1fr
    }

    .step::after {
        display: none !important
    }

    .plan-list {
        grid-template-columns: 1fr
    }
}