/* Layout: trust-first comparison site — PolicyWren navy surfaces, marigold action color, declarations-page details as the signature motif */
:root {
  --bg: #f4f7fb;
  --surface: #ffffff;
  --surface-2: #e9eff7;
  --ink: #0f1f38;
  --ink-soft: #4b5b72;
  --line: #d5deea;
  --brand: #0f3d73;
  --brand-ink: #ffffff;
  --logo-a: #0b2a5b;
  --logo-b: #0f7fc6;
  --brand-tint: #dfeaf7;
  --accent: #f2b31b;
  --accent-ink: #1d1600;
  --accent-hover: #e0a20a;
  --ok: #16998a;
  --err: #b4332a;
  --hero-bg: #0d2a52;
  --hero-ink: #f1f6fd;
  --hero-soft: #a9c1e0;
  --shadow: 0 1px 2px rgba(15,31,56,.06), 0 8px 24px rgba(18,48,43,.08);
  --font-display: "Bricolage Grotesque", "Segoe UI", system-ui, sans-serif;
  --font-body: "Source Sans 3", "Segoe UI", system-ui, -apple-system, sans-serif;
  --font-mono: "IBM Plex Mono", ui-monospace, "SFMono-Regular", Menlo, monospace;
  --radius: 10px;
  --wrap: 1140px;
}
@media (prefers-color-scheme: dark) {
  :root:not([data-theme="light"]) {
    --bg: #0b1322; --surface: #111c2f; --surface-2: #18263d; --ink: #e6edf7; --ink-soft: #9fb0c8;
    --line: #26364f; --brand: #5aaee8; --brand-ink: #05192e; --brand-tint: #15304f; --logo-a: #e6edf7; --logo-b: #4fb0ee;
    --accent: #f5bd36; --accent-ink: #1d1600; --accent-hover: #ffcd55; --ok: #2fbfae; --err: #ef7a70;
    --hero-bg: #0a1f3d; --hero-ink: #f1f6fd; --hero-soft: #9db6d8;
    --shadow: 0 1px 2px rgba(0,0,0,.3), 0 8px 24px rgba(0,0,0,.35);
    color-scheme: dark;
  }
}
:root[data-theme="dark"] {
  --bg: #0b1322; --surface: #111c2f; --surface-2: #18263d; --ink: #e6edf7; --ink-soft: #9fb0c8;
  --line: #26364f; --brand: #5aaee8; --brand-ink: #05192e; --brand-tint: #15304f; --logo-a: #e6edf7; --logo-b: #4fb0ee;
  --accent: #f5bd36; --accent-ink: #1d1600; --accent-hover: #ffcd55; --ok: #2fbfae; --err: #ef7a70;
  --hero-bg: #0a1f3d; --hero-ink: #f1f6fd; --hero-soft: #9db6d8;
  --shadow: 0 1px 2px rgba(0,0,0,.3), 0 8px 24px rgba(0,0,0,.35);
  color-scheme: dark;
}

* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body { margin: 0; background: var(--bg); color: var(--ink); font-family: var(--font-body); font-size: 17px; line-height: 1.6; }
h1, h2, h3, h4 { font-family: var(--font-display); line-height: 1.15; margin: 0; text-wrap: balance; letter-spacing: -0.01em; }
h1 { font-size: clamp(2rem, 4.4vw, 3.1rem); font-weight: 700; }
h2 { font-size: clamp(1.5rem, 2.8vw, 2.1rem); font-weight: 700; }
h3 { font-size: 1.2rem; font-weight: 650; }
p { margin: 0; }
a { color: var(--brand); text-underline-offset: 3px; }
a:hover { text-decoration-thickness: 2px; }
:focus-visible { outline: 3px solid var(--accent); outline-offset: 2px; border-radius: 4px; }
.wrap { max-width: var(--wrap); margin: 0 auto; padding-inline: 20px; }
.eyebrow { font-family: var(--font-mono); font-size: .75rem; letter-spacing: .12em; text-transform: uppercase; color: var(--ink-soft); }
.muted { color: var(--ink-soft); }
.stack { display: flex; flex-direction: column; gap: 16px; }
.sr { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }

/* Header */
.site-header { position: sticky; top: env(safe-area-inset-top, 0px); z-index: 20; background: var(--surface); border-bottom: 1px solid var(--line); }
.site-header .wrap { display: flex; align-items: center; gap: 24px; min-height: 64px; }
.logo { display: inline-flex; align-items: center; gap: 10px; font-family: var(--font-display); font-weight: 750; font-size: 1.35rem; color: var(--ink); text-decoration: none; letter-spacing: -0.02em; }
.logo img { width: 38px; height: auto; flex: none; }
.wordmark { font-family: "Poppins", var(--font-display); font-weight: 700; font-size: 1.45rem; letter-spacing: -0.01em; line-height: 1; }
.wm-a { color: var(--logo-a); }
.wm-b { color: var(--logo-b); }
.nav { display: flex; gap: 4px; margin-left: auto; align-items: center; }
.nav a { color: var(--ink); text-decoration: none; font-weight: 600; padding: 8px 12px; border-radius: 8px; }
.nav a:hover, .nav a[aria-current="page"] { background: var(--surface-2); }
.menu-btn { display: none; margin-left: auto; background: none; border: 1px solid var(--line); border-radius: 8px; padding: 8px 12px; font: inherit; font-weight: 600; color: var(--ink); cursor: pointer; }
.secure-note { margin-left: auto; display: inline-flex; gap: 8px; align-items: center; font-size: .9rem; color: var(--ink-soft); }
.secure-note svg { width: 16px; height: 16px; fill: var(--ok); }
@media (max-width: 820px) {
  .menu-btn { display: inline-block; }
  .nav { display: none; position: absolute; left: 0; right: 0; top: 64px; background: var(--surface); border-bottom: 1px solid var(--line); flex-direction: column; align-items: stretch; padding: 8px 16px 16px; }
  .nav.open { display: flex; }
  .nav .btn { margin-top: 8px; text-align: center; }
}

/* Buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; font: inherit; font-weight: 700; border-radius: 8px; border: 0; padding: 12px 20px; cursor: pointer; text-decoration: none; transition: background .15s, transform .15s; }
.btn-accent { background: var(--accent); color: var(--accent-ink); }
.btn-accent:hover { background: var(--accent-hover); }
.btn-brand { background: var(--brand); color: var(--brand-ink); }
.btn-ghost { background: transparent; color: var(--ink); border: 1px solid var(--line); }
.btn-lg { padding: 16px 28px; font-size: 1.1rem; }
.btn:active { transform: translateY(1px); }
.btn[disabled] { opacity: .6; cursor: progress; }

/* Hero */
.hero { background: var(--hero-bg); color: var(--hero-ink); padding-block: 56px 64px; }
.hero .wrap { display: grid; grid-template-columns: minmax(0, 1.15fr) minmax(0, .85fr); gap: 48px; align-items: center; }
.hero h1 { color: var(--hero-ink); }
.hero .lede { color: var(--hero-soft); font-size: 1.15rem; max-width: 54ch; margin-top: 14px; }
.hero .eyebrow { color: var(--hero-soft); margin-bottom: 14px; }
@media (max-width: 900px) { .hero .wrap { grid-template-columns: 1fr; gap: 32px; } .hero { padding-block: 40px 48px; } }

.quote-box { margin-top: 28px; background: var(--surface); color: var(--ink); border-radius: 14px; padding: 20px; box-shadow: var(--shadow); max-width: 560px; }
.tabs { display: grid; grid-template-columns: repeat(4, 1fr); gap: 6px; background: var(--surface-2); padding: 5px; border-radius: 10px; }
.tab { position: relative; font: inherit; font-weight: 650; font-size: .95rem; border: 0; background: transparent; color: var(--ink-soft); padding: 10px 4px; border-radius: 7px; cursor: pointer; display: flex; flex-direction: column; align-items: center; gap: 4px; }
.tab svg { width: 22px; height: 22px; stroke: currentColor; fill: none; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.tab[aria-selected="true"] { background: var(--surface); color: var(--brand); box-shadow: 0 1px 3px rgba(0,0,0,.12); }
.tab .pop { position: absolute; top: -9px; left: 50%; transform: translateX(-50%); font-family: var(--font-mono); font-size: .6rem; letter-spacing: .08em; background: var(--accent); color: var(--accent-ink); padding: 1px 6px; border-radius: 4px; }
.zip-form { display: flex; gap: 10px; margin-top: 16px; flex-wrap: wrap; }
.zip-form label { width: 100%; font-weight: 650; font-size: .95rem; }
.zip-form input { flex: 1 1 160px; min-width: 0; font: inherit; font-size: 1.15rem; padding: 13px 14px; border: 1.5px solid var(--line); border-radius: 8px; background: var(--surface); color: var(--ink); font-variant-numeric: tabular-nums; letter-spacing: .08em; }
.zip-form input:focus { border-color: var(--brand); outline: none; box-shadow: 0 0 0 3px var(--brand-tint); }
.zip-form .btn { flex: 0 0 auto; }
.form-note { font-size: .85rem; color: var(--ink-soft); margin-top: 10px; display: flex; gap: 6px; align-items: center; }
.form-note svg { width: 14px; height: 14px; fill: var(--ok); flex: none; }
.field-err { color: var(--err); font-size: .9rem; font-weight: 600; width: 100%; }

/* Declarations page sample (signature detail) */
.dec { background: var(--surface); color: var(--ink); border-radius: 6px; box-shadow: var(--shadow); font-family: var(--font-mono); font-size: .82rem; overflow: hidden; transform: rotate(1.2deg); max-width: 420px; justify-self: center; width: 100%; }
.dec-head { background: var(--brand-tint); padding: 12px 16px; display: flex; justify-content: space-between; gap: 12px; border-bottom: 1px dashed var(--line); }
.dec-head b { font-weight: 600; letter-spacing: .06em; }
.dec table { width: 100%; border-collapse: collapse; font-variant-numeric: tabular-nums; }
.dec td { padding: 9px 16px; border-bottom: 1px solid var(--line); vertical-align: top; }
.dec td:last-child { text-align: right; white-space: nowrap; }
.dec tr:last-child td { border-bottom: 0; font-weight: 600; }
.dec-foot { padding: 10px 16px; color: var(--ink-soft); font-size: .72rem; border-top: 1px dashed var(--line); }
@media (max-width: 900px) { .dec { transform: none; justify-self: stretch; max-width: none; } }
@media (prefers-reduced-motion: no-preference) { .dec table { transition: opacity .2s; } }

/* Sections */
.section { padding-block: 64px; }
.section-alt { background: var(--surface); border-block: 1px solid var(--line); }
.section-head { display: flex; flex-direction: column; gap: 10px; max-width: 680px; margin-bottom: 32px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 20px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 24px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 24px; }
@media (max-width: 960px) { .grid-4 { grid-template-columns: repeat(2, minmax(0, 1fr)); } .grid-3 { grid-template-columns: 1fr; } }
@media (max-width: 640px) { .grid-4, .grid-2 { grid-template-columns: 1fr; } }

.cat-card { display: flex; flex-direction: column; gap: 10px; padding: 24px; background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); text-decoration: none; color: var(--ink); transition: border-color .15s, transform .15s; }
.cat-card:hover { border-color: var(--brand); transform: translateY(-2px); }
.cat-card svg { width: 34px; height: 34px; stroke: var(--brand); fill: none; stroke-width: 1.7; stroke-linecap: round; stroke-linejoin: round; }
.cat-card p { color: var(--ink-soft); font-size: .97rem; }
.cat-card .go { margin-top: auto; font-weight: 700; color: var(--brand); }

.steps { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 28px; counter-reset: s; }
.steps li { list-style: none; display: flex; flex-direction: column; gap: 8px; }
.steps li::before { counter-increment: s; content: counter(s); font-family: var(--font-display); font-weight: 750; font-size: 1.1rem; width: 40px; height: 40px; border-radius: 50%; display: grid; place-items: center; background: var(--accent); color: var(--accent-ink); }
.steps { padding: 0; margin: 0; }
.steps p { color: var(--ink-soft); }
@media (max-width: 760px) { .steps { grid-template-columns: 1fr; } }

.terms-list { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 0 32px; margin: 0; }
.terms-list div { padding: 16px 0; border-top: 1px solid var(--line); min-width: 0; }
.terms-list dt { font-weight: 700; font-family: var(--font-display); }
.terms-list dt code { font-family: var(--font-mono); font-size: .85em; background: var(--surface-2); padding: 1px 6px; border-radius: 4px; margin-left: 6px; font-weight: 500; }
.terms-list dd { margin: 4px 0 0; color: var(--ink-soft); }
@media (max-width: 760px) { .terms-list { grid-template-columns: 1fr; } }

.faq details { border-top: 1px solid var(--line); padding: 4px 0; }
.faq details:last-child { border-bottom: 1px solid var(--line); }
.faq summary { cursor: pointer; font-weight: 700; padding: 14px 0; list-style: none; display: flex; justify-content: space-between; gap: 16px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; font-family: var(--font-mono); font-size: 1.2rem; color: var(--brand); }
.faq details[open] summary::after { content: "–"; }
.faq details p { padding: 0 0 16px; color: var(--ink-soft); max-width: 70ch; }

.cta-band { background: var(--brand); color: var(--brand-ink); border-radius: 14px; padding: 36px; display: flex; gap: 24px; align-items: center; justify-content: space-between; flex-wrap: wrap; }
.cta-band h2 { color: var(--brand-ink); }
.cta-band p { opacity: .85; margin-top: 6px; }

.trust-row { display: flex; flex-wrap: wrap; gap: 12px 28px; margin-top: 20px; color: var(--hero-soft); font-size: .92rem; }
.trust-row span { display: inline-flex; gap: 8px; align-items: center; }
.trust-row svg { width: 16px; height: 16px; fill: var(--accent); }

/* Article / legal prose */
.prose { max-width: 760px; }
.prose h1 { margin-bottom: 8px; }
.prose h2 { font-size: 1.4rem; margin: 36px 0 10px; }
.prose h3 { font-size: 1.1rem; margin: 22px 0 8px; }
.prose p, .prose ul, .prose ol { margin: 0 0 14px; }
.prose li { margin-bottom: 6px; }
.prose .updated { color: var(--ink-soft); font-family: var(--font-mono); font-size: .85rem; margin-bottom: 28px; }
.prose table { border-collapse: collapse; width: 100%; font-size: .95rem; }
.prose th, .prose td { border: 1px solid var(--line); padding: 8px 10px; text-align: left; vertical-align: top; }
.prose th { background: var(--surface-2); }
.table-scroll { overflow-x: auto; margin-bottom: 16px; }
.callout { background: var(--brand-tint); border-radius: var(--radius); padding: 16px 18px; margin-bottom: 18px; }
.addr { font-style: normal; background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 16px 18px; display: inline-block; user-select: all; }

/* Footer */
.site-footer { background: var(--surface); border-top: 1px solid var(--line); padding-block: 48px 32px; font-size: .93rem; color: var(--ink-soft); }
.foot-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 32px; }
.foot-grid h4 { font-family: var(--font-mono); font-size: .75rem; letter-spacing: .12em; text-transform: uppercase; color: var(--ink); margin-bottom: 12px; font-weight: 600; }
.foot-grid ul { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: 8px; }
.foot-grid a { color: var(--ink-soft); text-decoration: none; }
.foot-grid a:hover { color: var(--ink); text-decoration: underline; }
.foot-legal { margin-top: 36px; padding-top: 20px; border-top: 1px solid var(--line); display: flex; flex-direction: column; gap: 10px; font-size: .82rem; }
@media (max-width: 820px) { .foot-grid { grid-template-columns: 1fr 1fr; } .foot-grid > :first-child { grid-column: 1 / -1; } }
.mini-foot { padding-block: 24px; text-align: center; font-size: .82rem; color: var(--ink-soft); }
.mini-foot nav { display: flex; flex-wrap: wrap; justify-content: center; gap: 6px 18px; margin-bottom: 8px; }
.mini-foot a { color: var(--ink-soft); }

/* Quote flow */
.flow-page { min-height: 70vh; padding-block: 28px 56px; }
.flow { max-width: 640px; margin: 0 auto; }
.progress { display: flex; align-items: center; gap: 12px; margin-bottom: 18px; }
.progress-track { flex: 1; height: 8px; background: var(--surface-2); border-radius: 99px; overflow: hidden; }
.progress-fill { height: 100%; background: var(--brand); width: 0; border-radius: 99px; transition: width .35s ease; }
.progress-label { font-family: var(--font-mono); font-size: .8rem; color: var(--ink-soft); font-variant-numeric: tabular-nums; min-width: 3.5em; text-align: right; }
.flow-card { background: var(--surface); border: 1px solid var(--line); border-radius: 14px; padding: 32px; box-shadow: var(--shadow); }
@media (max-width: 560px) { .flow-card { padding: 22px 18px; } }
.flow-card .eyebrow { margin-bottom: 8px; }
.flow-card h1 { font-size: clamp(1.5rem, 3.6vw, 2rem); }
.flow-card .help { color: var(--ink-soft); margin-top: 8px; }
.flow-body { margin-top: 24px; display: flex; flex-direction: column; gap: 14px; }
.opts { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 10px; }
.opts.cols-1 { grid-template-columns: 1fr; }
.opts.cols-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.opts.cols-4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }
@media (max-width: 560px) { .opts { grid-template-columns: 1fr; } .opts.cols-3, .opts.cols-4 { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
.opt { font: inherit; text-align: left; background: var(--surface); color: var(--ink); border: 1.5px solid var(--line); border-radius: 10px; padding: 14px 16px; cursor: pointer; font-weight: 650; display: flex; flex-direction: column; gap: 2px; transition: border-color .12s, background .12s; min-height: 56px; justify-content: center; }
.opt small { font-weight: 400; color: var(--ink-soft); font-size: .88rem; }
.opt:hover { border-color: var(--brand); background: var(--brand-tint); }
.opt.sel { border-color: var(--brand); background: var(--brand-tint); box-shadow: inset 0 0 0 1px var(--brand); }
.opts.cols-4 .opt, .opts.cols-3 .opt { text-align: center; align-items: center; font-variant-numeric: tabular-nums; }
.field { display: flex; flex-direction: column; gap: 6px; min-width: 0; }
.field label { font-weight: 650; font-size: .95rem; }
.field input, .field select { font: inherit; padding: 13px 14px; border: 1.5px solid var(--line); border-radius: 8px; background: var(--surface); color: var(--ink); width: 100%; }
.field input:focus, .field select:focus { border-color: var(--brand); outline: none; box-shadow: 0 0 0 3px var(--brand-tint); }
.field.bad input, .field.bad select { border-color: var(--err); }
.field .msg { color: var(--err); font-size: .88rem; font-weight: 600; }
.row { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px; }
.row-3 { display: grid; grid-template-columns: 1.3fr 1fr 1.2fr; gap: 12px; }
@media (max-width: 560px) { .row { grid-template-columns: 1fr; } }
.flow-actions { display: flex; justify-content: space-between; align-items: center; gap: 12px; margin-top: 22px; }
.back { background: none; border: 0; font: inherit; color: var(--ink-soft); cursor: pointer; padding: 8px 4px; font-weight: 600; }
.back:hover { color: var(--ink); }
.consent { font-size: .78rem; line-height: 1.5; color: var(--ink-soft); background: var(--surface-2); border-radius: 8px; padding: 12px 14px; }
.consent label { display: flex; gap: 10px; align-items: flex-start; cursor: pointer; }
.consent input { margin-top: 3px; width: 18px; height: 18px; flex: none; accent-color: var(--brand); }
.flow-trust { display: flex; justify-content: center; flex-wrap: wrap; gap: 8px 22px; margin-top: 18px; font-size: .85rem; color: var(--ink-soft); }
.flow-trust span { display: inline-flex; align-items: center; gap: 6px; }
.flow-trust svg { width: 14px; height: 14px; fill: var(--ok); }
@media (prefers-reduced-motion: no-preference) { .flow-card.enter { animation: slideIn .28s ease both; } }
@keyframes slideIn { from { opacity: .4; transform: translateX(14px); } to { opacity: 1; transform: none; } }

/* Matching screen */
.match { text-align: center; display: flex; flex-direction: column; align-items: center; gap: 18px; }
.match-list { list-style: none; padding: 0; margin: 8px 0 0; display: flex; flex-direction: column; gap: 10px; text-align: left; width: 100%; max-width: 380px; }
.match-list li { display: flex; gap: 12px; align-items: center; color: var(--ink-soft); }
.match-list li .dot { width: 22px; height: 22px; border-radius: 50%; border: 2px solid var(--line); display: grid; place-items: center; flex: none; }
.match-list li.done { color: var(--ink); }
.match-list li.done .dot { background: var(--ok); border-color: var(--ok); }
.match-list li.done .dot::after { content: ""; width: 6px; height: 10px; border: solid #fff; border-width: 0 2px 2px 0; transform: rotate(45deg) translate(-1px, -1px); }
.match-list li.active .dot { border-color: var(--brand); border-top-color: transparent; animation: spin .8s linear infinite; }
@keyframes spin { to { transform: rotate(360deg); } }
@media (prefers-reduced-motion: reduce) { .match-list li.active .dot { animation: none; } }
.matched-badge { width: 72px; height: 72px; border-radius: 50%; background: var(--ok); display: grid; place-items: center; }
.matched-badge svg { width: 36px; height: 36px; fill: none; stroke: #fff; stroke-width: 3; stroke-linecap: round; stroke-linejoin: round; }
.phone-chip { font-family: var(--font-mono); background: var(--surface-2); padding: 6px 12px; border-radius: 6px; font-variant-numeric: tabular-nums; }
.countdown { font-size: .9rem; color: var(--ink-soft); }

/* Thank-you */
.ty-hero { background: var(--hero-bg); color: var(--hero-ink); padding-block: 44px; }
.ty-hero h1 { color: var(--hero-ink); }
.ty-hero p { color: var(--hero-soft); margin-top: 10px; max-width: 62ch; font-size: 1.08rem; }
.ty-steps { display: flex; flex-wrap: wrap; gap: 10px 26px; margin-top: 22px; padding: 0; list-style: none; counter-reset: t; }
.ty-steps li { display: inline-flex; gap: 10px; align-items: center; color: var(--hero-ink); font-weight: 600; font-size: .95rem; }
.ty-steps li::before { counter-increment: t; content: counter(t); width: 26px; height: 26px; border-radius: 50%; display: grid; place-items: center; font-size: .8rem; font-family: var(--font-mono); background: var(--accent); color: var(--accent-ink); }
.ty-steps li.done::before { content: "✓"; background: var(--ok); color: #fff; }
.prov-list { display: flex; flex-direction: column; gap: 16px; }
.prov { display: grid; grid-template-columns: 56px minmax(0, 1fr) auto; gap: 20px; align-items: center; background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 20px 22px; }
.prov.top { border-color: var(--brand); box-shadow: inset 0 0 0 1px var(--brand); }
.prov-mono { width: 56px; height: 56px; border-radius: 12px; background: var(--brand-tint); color: var(--brand); display: grid; place-items: center; font-family: var(--font-display); font-weight: 750; font-size: 1.3rem; }
.prov-main { min-width: 0; display: flex; flex-direction: column; gap: 6px; }
.prov-main .best { font-family: var(--font-mono); font-size: .72rem; letter-spacing: .08em; text-transform: uppercase; color: var(--ink-soft); }
.prov-main ul { margin: 0; padding: 0; list-style: none; display: flex; flex-wrap: wrap; gap: 4px 18px; font-size: .93rem; color: var(--ink-soft); }
.prov-main li::before { content: "✓ "; color: var(--ok); font-weight: 700; }
.prov-cta { display: flex; flex-direction: column; align-items: stretch; gap: 6px; text-align: center; }
.prov-cta small { color: var(--ink-soft); font-size: .78rem; }
.rank { font-family: var(--font-mono); font-size: .75rem; color: var(--ink-soft); }
@media (max-width: 700px) { .prov { grid-template-columns: 48px minmax(0, 1fr); } .prov-mono { width: 48px; height: 48px; font-size: 1.1rem; } .prov-cta { grid-column: 1 / -1; } }
.disclose { font-size: .82rem; color: var(--ink-soft); margin-top: 18px; }
.secure-note { white-space: nowrap; }
@media (max-width: 420px) { .secure-note { font-size: .8rem; } .wordmark { font-size: 1.25rem; } .logo img { width: 32px; } }

/* Chips: more coverage / quick starts */
.chips { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 12px; }
.chip { display: inline-flex; align-items: center; padding: 9px 16px; border: 1.5px solid var(--line); border-radius: 99px; background: var(--surface); color: var(--ink); text-decoration: none; font-weight: 650; font-size: .95rem; transition: border-color .15s, background .15s; }
.chip:hover { border-color: var(--brand); background: var(--brand-tint); }
.chip::after { content: "→"; margin-left: 8px; color: var(--brand); }
.more-cov { margin-top: 28px; }

/* Header call number (shown when CONFIG.phone is set) */
.call { font-weight: 700; color: var(--ink); white-space: nowrap; padding: 8px 6px; }
.call a { color: var(--brand); text-decoration: none; }
.site-header .wrap > .call { margin-left: 12px; }
@media (max-width: 560px) { .site-header .wrap > .call { font-size: .85rem; } .site-header .wrap > .secure-note + .call { display: none; } }

/* Sticky mobile CTA */
.sticky-cta { position: fixed; left: 0; right: 0; bottom: 0; z-index: 30; padding: 10px 16px calc(10px + env(safe-area-inset-bottom, 0px)); background: var(--surface); border-top: 1px solid var(--line); box-shadow: 0 -6px 18px rgba(15,31,56,.12); transform: translateY(110%); transition: transform .25s ease; }
.sticky-cta .btn { width: 100%; }
.sticky-cta.show { transform: none; }
@media (min-width: 821px) { .sticky-cta { display: none; } }
@media (prefers-reduced-motion: reduce) { .sticky-cta { transition: none; } }

/* Life insurance calculator */
.calc { display: grid; grid-template-columns: minmax(0, 1.3fr) minmax(0, 1fr); gap: 24px; align-items: start; }
.calc-form { display: flex; flex-direction: column; gap: 14px; }
.calc-out { position: sticky; top: calc(80px + env(safe-area-inset-top, 0px)); display: flex; flex-direction: column; gap: 14px; }
.calc-total { font-family: var(--font-display); font-weight: 750; font-size: clamp(2.2rem, 5vw, 3rem); color: var(--brand); font-variant-numeric: tabular-nums; line-height: 1; }
.calc-table { width: 100%; border-collapse: collapse; font-size: .95rem; font-variant-numeric: tabular-nums; }
.calc-table td { padding: 7px 0; border-bottom: 1px solid var(--line); }
.calc-table td:last-child { text-align: right; }
@media (max-width: 820px) { .calc { grid-template-columns: 1fr; } .calc-out { position: static; } }

/* Guide cards */
.guide-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 20px; }
@media (max-width: 960px) { .guide-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 640px) { .guide-grid { grid-template-columns: 1fr; } }
.guide-card { display: flex; flex-direction: column; gap: 8px; padding: 22px; background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); color: var(--ink); text-decoration: none; transition: border-color .15s, transform .15s; min-width: 0; }
.guide-card:hover { border-color: var(--brand); transform: translateY(-2px); }
.guide-card h3 { font-size: 1.12rem; }
.guide-card p { color: var(--ink-soft); font-size: .95rem; }
.guide-card .go { margin-top: auto; padding-top: 6px; font-weight: 700; color: var(--brand); }

/* Article layout */
.article-page { padding-block: 32px 0; }
.article-grid { display: grid; grid-template-columns: minmax(0, 1fr) 320px; gap: 48px; align-items: start; padding-bottom: 56px; }
@media (max-width: 960px) { .article-grid { grid-template-columns: 1fr; } .article-side { display: none; } }
.article { max-width: 720px; }
.article h1 { font-size: clamp(1.9rem, 4vw, 2.6rem); }
.article .article-dek { font-size: 1.15rem; color: var(--ink-soft); margin-top: 12px; }
.article h2 { font-size: 1.45rem; margin-top: 40px; }
.article p, .article li { font-size: 1.06rem; }
.crumbs { display: flex; flex-wrap: wrap; gap: 6px; font-size: .88rem; margin-bottom: 14px; color: var(--ink-soft); }
.crumbs a { color: var(--ink-soft); }
.byline { display: flex; gap: 12px; align-items: center; margin: 22px 0 26px; padding-block: 14px; border-block: 1px solid var(--line); font-size: .93rem; line-height: 1.45; }
.byline-sep { margin: 0 8px; color: var(--ink-soft); }
.avatar { width: 44px; height: 44px; border-radius: 50%; flex: none; object-fit: cover; display: grid; place-items: center; background: var(--brand-tint); color: var(--brand); font-family: var(--font-display); font-weight: 750; }
img.avatar { background: var(--surface); padding: 2px; }
.takeaways { background: var(--brand-tint); border-radius: var(--radius); padding: 20px 22px 6px; margin-bottom: 8px; }
.takeaways h2 { font-size: 1.05rem; margin: 0 0 10px; font-family: var(--font-mono); letter-spacing: .08em; text-transform: uppercase; font-weight: 600; }
.takeaways li { margin-bottom: 8px; }
.inline-cta { display: flex; flex-wrap: wrap; gap: 14px 20px; align-items: center; justify-content: space-between; background: var(--surface); border: 1.5px solid var(--brand); border-radius: var(--radius); padding: 18px 20px; margin: 28px 0; }
.inline-cta strong { font-family: var(--font-display); font-size: 1.15rem; }
.inline-cta p { margin: 2px 0 0; color: var(--ink-soft); font-size: .95rem; }
.sources { margin-top: 36px; }
.sources h2 { font-size: 1.1rem; }
.sources li { font-size: .93rem; }
.article-note { font-size: .88rem !important; color: var(--ink-soft); border-top: 1px solid var(--line); padding-top: 16px; margin-top: 24px; }
.article-side { position: sticky; top: calc(84px + env(safe-area-inset-top, 0px)); }
.side-card { background: var(--hero-bg); color: var(--hero-ink); border-radius: 14px; padding: 22px; }
.side-card .eyebrow { color: var(--hero-soft); }
.side-card h3 { color: var(--hero-ink); margin: 6px 0 4px; }
.side-card .quote-box { margin-top: 12px; padding: 14px; }
.side-card .zip-form .btn { width: 100%; }

/* Experts */
.expert-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 20px; }
@media (max-width: 700px) { .expert-grid { grid-template-columns: 1fr; } }
.expert-card { display: flex; gap: 16px; align-items: flex-start; padding: 20px; background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); color: var(--ink); text-decoration: none; }
.expert-card:hover { border-color: var(--brand); }
.expert-card .avatar { width: 64px; height: 64px; font-size: 1.3rem; }
.cred { font-size: .92rem; color: var(--brand); font-weight: 600; margin-top: 4px; }
.expert-hero { display: flex; gap: 24px; align-items: center; flex-wrap: wrap; }
.expert-hero .avatar { width: 120px; height: 120px; font-size: 2.2rem; }
.panel-join { margin-top: 40px; display: flex; flex-wrap: wrap; gap: 20px; align-items: center; justify-content: space-between; background: var(--surface); border: 1px solid var(--line); border-radius: 14px; padding: 28px; }
.panel-join > div { max-width: 620px; min-width: 0; }
.panel-join h2 { font-size: 1.4rem; margin-bottom: 8px; }
.ai-note { font-size: .92rem !important; background: var(--surface-2); border-radius: 8px; padding: 12px 14px; margin-top: 28px; }
.ai-card { display: flex; gap: 18px; align-items: flex-start; padding: 22px; background: var(--surface); border: 1px dashed var(--brand); border-radius: var(--radius); margin-top: 8px; max-width: 760px; }
.ai-card img { flex: none; }
.ai-card h3 { margin: 4px 0 6px; }
.tpmo { font-size: .88rem; line-height: 1.5; color: var(--ink); background: var(--surface-2); border: 1px solid var(--line); border-radius: 8px; padding: 12px 14px; margin: 16px 0; }
.mini-tpmo { margin-top: 6px; max-width: 760px; margin-inline: auto; }
.nav a.btn-accent, .nav a.btn-accent:hover { color: var(--accent-ink); }
.nav a.btn-accent { background: var(--accent); }
.nav a.btn-accent:hover { background: var(--accent-hover); }
.consent-health { border: 1px dashed var(--line); background: var(--surface); }
.collect-note { font-size: .78rem; color: var(--ink-soft); line-height: 1.5; }
.hp { position: absolute; left: -10000px; width: 1px; height: 1px; overflow: hidden; }
.email-fix { align-self: flex-start; margin-top: -6px; background: none; border: 0; padding: 0; font: inherit; font-size: .9rem; font-weight: 600; color: var(--brand); text-decoration: underline; cursor: pointer; }

/* Auto call lines */
.callstrip { background: var(--hero-bg); color: var(--hero-ink); font-size: .92rem; border-bottom: 1px solid rgba(255,255,255,.08); }
.callstrip .wrap { display: flex; flex-wrap: wrap; align-items: center; justify-content: center; gap: 4px 12px; padding-block: 7px; text-align: center; }
.callstrip svg { width: 15px; height: 15px; fill: var(--accent); flex: none; }
.callstrip a { color: var(--accent); font-weight: 700; text-decoration: none; white-space: nowrap; font-variant-numeric: tabular-nums; }
.callstrip a:hover { text-decoration: underline; }
.cs-lines { white-space: nowrap; }
@media (max-width: 560px) { .callstrip .wrap > span:first-of-type { width: 100%; } .callstrip svg { display: none; } .cs-lines { white-space: normal; } }
.hero-call { margin-top: 12px; font-size: .95rem; color: var(--ink-soft); }
.hero-call a { font-weight: 700; color: var(--brand); white-space: nowrap; font-variant-numeric: tabular-nums; }
.inline-cta p a { font-weight: 700; white-space: nowrap; }
.ty-call { margin-top: 26px; max-width: 640px; }
.ty-call > p { color: var(--hero-ink); font-weight: 700; margin-bottom: 10px; }
.call-btns { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 10px; }
@media (max-width: 560px) { .call-btns { grid-template-columns: 1fr; } }
.call-btn { display: grid; grid-template-columns: 40px 1fr; align-items: center; gap: 12px; padding: 12px 16px; border-radius: 10px; text-decoration: none; min-height: 68px; }
.call-btn svg { width: 40px; height: 40px; padding: 10px; border-radius: 50%; background: rgba(0,0,0,.12); fill: currentColor; }
.call-btn small { display: block; font-weight: 700; font-size: .78rem; text-transform: uppercase; letter-spacing: .04em; }
.call-btn b { display: block; font-family: var(--font-display); font-size: 1.3rem; font-variant-numeric: tabular-nums; }
.cb-primary { background: var(--accent); color: var(--accent-ink); }
.cb-alt { background: #0a5f9e; color: #fff; }
.dec { margin: 0; }
.nw { white-space: nowrap; }
.mini-note { margin-top: 6px; max-width: 760px; margin-inline: auto; }
.res-list { display: flex; flex-direction: column; gap: 14px; }
.res { display: grid; grid-template-columns: 56px minmax(0, 1fr) auto; gap: 18px; align-items: center; background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 20px 22px; }
.res-mono { width: 56px; height: 56px; border-radius: 12px; background: var(--brand-tint); color: var(--brand); display: grid; place-items: center; font-family: var(--font-display); font-weight: 750; font-size: 1.2rem; }
.res-main { display: flex; flex-direction: column; gap: 4px; min-width: 0; }
.res-main .best { font-family: var(--font-mono); font-size: .72rem; letter-spacing: .08em; text-transform: uppercase; color: var(--ink-soft); }
.res-main p { color: var(--ink-soft); }
.res-main b { color: var(--ink); }
@media (max-width: 700px) { .res { grid-template-columns: 48px minmax(0, 1fr); } .res-mono { width: 48px; height: 48px; } .res-cta { grid-column: 1 / -1; } .res-cta .btn { width: 100%; } }