:root{--blue:#1478d4;--blue2:#4351e7;--navy:#102653;--teal:#18b5aa;--bg:#f5f7fa;--card:#fff;--text:#101828;--muted:#667085;--line:#e2e8f0;--soft:#eef6ff}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--bg);font-family:Inter,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--text);line-height:1.62}a{color:var(--blue);text-decoration:none}a:hover{text-decoration:underline}
.site-header{background:#fff;border-bottom:1px solid #ebeff3}.logo-wrap{max-width:1030px;margin:auto;padding:5px 18px 3px;text-align:center;background:#fff;overflow:hidden}.logo-img{display:block;width:min(330px,66vw);height:auto;margin:0 auto;background:#fff}
.wrap{max-width:1030px;margin:auto;padding:20px 18px 70px}.crumbs{font-size:13px;color:var(--muted);margin:4px 0 18px}.crumbs a{font-weight:700}.eyebrow{font-size:12px;text-transform:uppercase;letter-spacing:.085em;font-weight:850;color:var(--blue)}
h1{font-size:clamp(29px,5vw,43px);line-height:1.08;letter-spacing:-.035em;margin:7px 0 9px}h2{font-size:clamp(25px,4vw,34px);line-height:1.15;letter-spacing:-.025em;margin:8px 0 10px}h3{font-size:20px;line-height:1.25;margin:24px 0 8px}.lead,.muted{color:var(--muted)}.lead{font-size:17px;line-height:1.58;max-width:850px}
.card{background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:0 6px 22px rgba(16,24,40,.05);padding:23px;margin:16px 0}.hero{padding:23px}.badge{display:inline-block;background:#eaf4ff;color:#126dbf;border-radius:999px;padding:6px 10px;font-size:12px;font-weight:850;margin-top:8px}
.summary{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:18px 0}.summary>div{background:#f7f9fc;border:1px solid #eef1f5;border-radius:12px;padding:15px}.summary b{display:block;color:var(--navy);font-size:15px;margin-bottom:3px}.summary span{font-size:13px;color:var(--muted)}
.callout{background:#f1f7ff;border:1px solid #d8e7fa;border-radius:16px;padding:19px;margin:20px 0}.callout strong{color:var(--navy)}
.btn{display:inline-block;border:0;border-radius:10px;padding:12px 18px;background:linear-gradient(135deg,var(--blue),var(--blue2));color:#fff!important;font-weight:850;font:inherit;cursor:pointer}.btn:hover{text-decoration:none;filter:brightness(.98)}.btn.secondary{background:#fff;color:var(--blue)!important;border:1px solid #b9d2ed}
.cta-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:16px;align-items:center}.cta-panel{border-radius:18px;padding:23px;color:#fff;background:linear-gradient(135deg,#0c1d4c 0%,#173c88 100%);box-shadow:0 8px 24px rgba(12,29,76,.14);margin:22px 0}.cta-panel .eyebrow{color:#a7c8ff}.cta-panel h2{margin:7px 0 8px}.cta-panel p{color:#dce7ff;margin:0 0 15px}.cta-panel .small{font-size:11px;color:#d7e2ff;margin-top:10px}
.checklist{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:14px 0}.check{background:#f8fafc;border:1px solid #e7ebf0;border-radius:12px;padding:13px 14px;font-size:14px}.check b{color:var(--navy)}
.faq details{border-top:1px solid #e8edf3;padding:15px 0}.faq details:last-child{border-bottom:1px solid #e8edf3}.faq summary{font-weight:850;cursor:pointer;color:var(--navy)}.faq p{margin:8px 0 0}
.sources{font-size:13px;color:var(--muted)}.sources li{margin:7px 0}footer{max-width:1030px;margin:auto;padding:0 18px 35px;color:var(--muted);font-size:12px}
.insurance-modal{position:fixed;inset:0;background:rgba(10,18,35,.62);z-index:9999;display:none;padding:14px}.insurance-modal.open{display:flex;align-items:center;justify-content:center}.insurance-modal-box{background:#fff;width:min(960px,100%);height:min(88vh,820px);border-radius:16px;overflow:hidden;display:flex;flex-direction:column;box-shadow:0 18px 60px rgba(0,0,0,.25)}.insurance-modal-head{padding:13px 15px;border-bottom:1px solid #e6eaf0;display:flex;justify-content:space-between;align-items:center}.insurance-modal-head strong{font-size:17px}.insurance-modal-close{border:0;background:#eef2f6;width:36px;height:36px;border-radius:9px;font-size:22px;line-height:1;cursor:pointer}.insurance-modal-body{flex:1;overflow:auto;padding:14px}.calculator-loading{min-height:180px;display:grid;place-items:center;color:#667085}
@media(max-width:700px){.wrap{padding:14px 14px 80px}.logo-wrap{padding:4px 10px 2px}.logo-img{width:min(270px,68vw)}.summary,.checklist,.cta-grid{grid-template-columns:1fr}.card,.hero{padding:18px}}