:root{
  --bg:#F1F4F7; --card:#FFFFFF; --ink:#13202B; --muted:#55636F; --rule:#CBD5DE;
  --navy:#0E3A5B; --navy-deep:#092A43; --orange:#D9621A; --orange-soft:#FDEBDD;
  --ok:#1E7A4C; --ok-soft:#E3F2EA; --info-soft:#E6EEF5; --mcc:#0F5FF8;
  --sans:"Barlow",Arial,sans-serif; --head:"Barlow Semi Condensed","Arial Narrow",Arial,sans-serif;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--sans);font-size:18px;line-height:1.6;font-variant-numeric:tabular-nums}
a{color:var(--navy)}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid var(--orange);outline-offset:2px}
.wrap{max-width:980px;margin:0 auto;padding:0 20px}
h1,h2,h3{font-family:var(--head);font-weight:700;line-height:1.1;letter-spacing:.005em}

.strip{background:var(--mcc);color:#fff;text-align:center;font-size:15px;padding:8px 16px}
.strip a{color:#fff;font-weight:700}
.top{background:var(--navy-deep);color:#fff}
.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:12px;padding-top:12px;padding-bottom:12px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:#fff;font-weight:700;font-size:21px}
.brand svg{width:30px;height:34px;flex:none}
.brand .hl{color:#FFB37A}
.top nav{display:flex;gap:18px}
.top nav a{color:#fff;text-decoration:none;font-weight:600;font-size:16px}
.top nav a:hover{color:#FFB37A}
@media (max-width:620px){
  .top .wrap{flex-wrap:wrap;row-gap:6px}
  .top nav{width:100%;justify-content:space-between;border-top:1px solid rgba(255,255,255,.2);padding-top:8px}
}

.hero{display:grid;gap:28px;padding:40px 0 10px;align-items:center}
@media (min-width:860px){.hero{grid-template-columns:1.05fr .95fr}}
.hero h1{font-size:clamp(38px,6.5vw,62px);margin:0 0 14px;color:var(--navy-deep)}
.hero p{font-size:20px;margin:0 0 20px;max-width:36ch}
.btn{display:inline-block;font:inherit;font-weight:700;font-size:17px;border:0;border-radius:6px;padding:12px 20px;cursor:pointer;text-decoration:none}
.btn-orange{background:var(--orange);color:#fff}.btn-orange:hover{background:#B9500F}
.btn-navy{background:var(--navy);color:#fff}.btn-navy:hover{background:var(--navy-deep)}
.btn-line{background:#fff;color:var(--navy);border:2px solid var(--navy)}

/* The coverage card: certificate-of-insurance style, the signature element */
.coi{background:var(--card);border:2px solid var(--navy);border-radius:6px;overflow:hidden;box-shadow:0 10px 28px rgba(9,42,67,.14)}
.coi-head{background:var(--navy);color:#fff;padding:12px 16px;display:flex;justify-content:space-between;align-items:center;gap:10px}
.coi-head strong{font-family:var(--head);font-size:19px;letter-spacing:.04em;text-transform:uppercase}
.coi-head span{font-size:13px;opacity:.85}
.coi-stripe{height:6px;background:repeating-linear-gradient(135deg,var(--orange) 0 14px,#fff 14px 28px)}
.coi-body{padding:14px 16px 16px}
.coi-meta{display:grid;grid-template-columns:1fr 1fr;gap:6px 14px;font-size:14px;color:var(--muted);border-bottom:1px solid var(--rule);padding-bottom:10px;margin-bottom:6px}
.coi-meta b{display:block;color:var(--ink);font-size:15px}
.cov{width:100%;border-collapse:collapse;font-size:15px}
.cov th{font-size:12px;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);text-align:left;padding:8px 6px;border-bottom:2px solid var(--navy)}
.cov td{padding:10px 6px;border-bottom:1px solid var(--rule);vertical-align:top}
.cov td:first-child strong{display:block;font-size:16px}
.cov td:first-child span{display:block;color:var(--muted);font-size:14px;line-height:1.4}
.pill{display:inline-block;font-size:12px;font-weight:700;border-radius:20px;padding:2px 9px;white-space:nowrap}
.p-req{background:var(--orange);color:#fff}
.p-brk{background:var(--navy);color:#fff}
.p-rec{background:var(--info-soft);color:var(--navy)}
.p-no{background:#EEF1F4;color:var(--muted)}
.coi-note{margin:12px 0 0;font-size:14px;background:var(--orange-soft);border-left:4px solid var(--orange);padding:8px 12px;border-radius:0 4px 4px 0}
.coi-note:empty{display:none}
.coi-foot{font-size:12px;color:var(--muted);margin-top:10px}

.section-h{font-size:30px;margin:44px 0 12px;color:var(--navy-deep)}
.intro{max-width:62ch}
.tools{list-style:none;margin:16px 0 0;padding:0;display:grid;gap:12px}
@media (min-width:760px){.tools{grid-template-columns:1fr 1fr}}
.tool a{display:flex;gap:14px;align-items:flex-start;background:var(--card);border:1px solid var(--rule);border-radius:8px;padding:16px 18px;text-decoration:none;color:var(--ink);height:100%;border-top:4px solid var(--navy)}
.tool a:hover{border-top-color:var(--orange)}
.tool .ic{flex:none;width:38px;height:44px}
.tool strong{display:block;font-family:var(--head);font-size:22px;line-height:1.15;margin-bottom:2px;color:var(--navy-deep)}
.tool span span{display:block;color:var(--muted);font-size:16px}
.guide-list{list-style:none;padding:0;margin:14px 0;display:grid;gap:10px}
.guide-list a{display:block;background:var(--card);border:1px solid var(--rule);border-left:5px solid var(--orange);border-radius:6px;padding:12px 16px;text-decoration:none;color:var(--ink)}
.guide-list strong{display:block;font-family:var(--head);font-size:21px;color:var(--navy-deep)}
.guide-list span{color:var(--muted);font-size:16px}
.more{display:flex;flex-wrap:wrap;gap:8px;list-style:none;padding:0;margin:10px 0}
.more a{display:inline-block;background:var(--card);border:1px solid var(--rule);border-radius:6px;padding:8px 12px;text-decoration:none;font-weight:600;font-size:16px}

.page-head{padding:30px 0 4px}
.page-head h1{font-size:clamp(32px,5.5vw,48px);margin:0 0 10px;color:var(--navy-deep)}
.page-head p{margin:0;max-width:62ch;color:var(--muted)}

.calc{display:grid;gap:22px;margin:22px 0}
@media (min-width:860px){.calc{grid-template-columns:1fr 1.1fr;align-items:start}.calc .result{position:sticky;top:14px}}
@media (max-width:859px){.calc .result{order:-1}}
.fields{background:var(--card);border:1px solid var(--rule);border-radius:8px;padding:20px;display:grid;gap:14px}
.fields label{display:grid;gap:4px;font-weight:600;font-size:16px}
.fields .hint{font-weight:400;color:var(--muted);font-size:14px}
.fields input,.fields select{font:inherit;font-size:18px;padding:10px 12px;border:1px solid #AEBBC7;border-radius:6px;background:#fff;color:var(--ink);width:100%}
.fields input:focus,.fields select:focus{border-color:var(--navy)}
.fields h3{margin:8px 0 0;font-size:21px;color:var(--navy-deep)}
fieldset.q{border:0;margin:0;padding:0}
fieldset.q legend{font-weight:700;font-size:17px;margin-bottom:6px;padding:0}
.choices{display:grid;gap:8px}
.choices label{display:flex;gap:10px;align-items:center;font-weight:500;background:#F7F9FB;border:1px solid var(--rule);border-radius:6px;padding:10px 12px;cursor:pointer}
.choices input{width:20px;height:20px;accent-color:var(--navy);flex:none}
.choices label:has(input:checked){border-color:var(--navy);background:var(--info-soft)}
.actions{display:flex;flex-wrap:wrap;gap:10px;margin-top:14px}
.actions .btn{font-size:15px;padding:9px 14px}
.toast{font-size:14px;color:var(--ok);font-weight:600;min-height:20px;margin-top:6px}
.big{font-family:var(--head);font-weight:700;font-size:clamp(34px,7vw,46px);color:var(--navy-deep);line-height:1.05;margin:4px 0 10px}
.lines{margin:6px 0 0;display:grid;grid-template-columns:1fr auto;gap:8px 0;font-size:16px}
.lines dt{color:var(--muted);border-bottom:1px solid var(--rule);padding-bottom:6px}
.lines dd{margin:0;font-weight:700;text-align:right;border-bottom:1px solid var(--rule);padding:0 0 6px 16px}

.offers{display:grid;gap:14px;margin:20px 0}
@media (min-width:860px){.offers{grid-template-columns:repeat(3,1fr)}}
.offer{background:var(--card);border:1px solid var(--rule);border-radius:8px;padding:16px;display:grid;gap:10px;align-content:start;border-top:4px solid var(--navy)}
.offer h3{margin:0;font-size:22px;color:var(--navy-deep)}
.offer label{display:grid;gap:3px;font-weight:600;font-size:15px}
.offer input{font:inherit;font-size:17px;padding:8px 10px;border:1px solid #AEBBC7;border-radius:6px;width:100%}
.offer .out{border-top:2px solid var(--navy);padding-top:10px;margin:0;display:grid;grid-template-columns:1fr auto;gap:4px 10px;font-size:15px}
.offer .out dd{margin:0;font-weight:700;text-align:right}
.offer .flags{font-size:14px;color:var(--orange);font-weight:600;min-height:0}
.offer.best{border-top-color:var(--ok);box-shadow:0 0 0 3px var(--ok-soft)}
.offer .badge{display:none;justify-self:start;background:var(--ok);color:#fff;font-size:13px;font-weight:700;border-radius:4px;padding:2px 8px}
.offer.best .badge{display:inline-block}

.checklist{list-style:none;padding:0;margin:16px 0;background:var(--card);border:1px solid var(--rule);border-radius:8px}
.checklist li{border-bottom:1px solid var(--rule)}
.checklist li:last-child{border-bottom:0}
.checklist label{display:flex;gap:14px;align-items:flex-start;padding:14px 16px;cursor:pointer}
.checklist input{width:22px;height:22px;margin-top:3px;accent-color:var(--navy);flex:none}
.checklist .num{flex:none;display:grid;place-items:center;width:28px;height:28px;border-radius:50%;background:var(--navy);color:#fff;font-weight:700;font-size:14px;margin-top:1px}
.checklist strong{display:block}
.checklist span span{color:var(--muted);font-size:15px;display:block}
.progress{height:10px;background:#D6DEE6;border-radius:5px;overflow:hidden;margin:8px 0}
.progress span{display:block;height:100%;width:0;background:var(--orange);transition:width .2s}

.article{background:var(--card);border:1px solid var(--rule);border-radius:8px;padding:26px;margin-top:20px}
.article h1{font-size:clamp(32px,5.5vw,46px);margin:0 0 12px;color:var(--navy-deep)}
.article h2{font-size:26px;margin:26px 0 8px;color:var(--navy-deep)}
.article p,.article li{max-width:66ch}
.article p{margin:0 0 14px}
.updated{color:var(--muted);font-size:15px;margin:-4px 0 16px}
.tryit{background:var(--orange-soft);border-left:4px solid var(--orange);border-radius:0 6px 6px 0;padding:14px 18px;margin:22px 0}
.tryit a{font-weight:700}
.disclaimer{font-size:14px;color:var(--muted);margin-top:14px}
.tablewrap{overflow-x:auto}
table.data{width:100%;border-collapse:collapse;font-size:16px;margin:10px 0 16px}
.data th,.data td{padding:10px;border-bottom:1px solid var(--rule);text-align:left;vertical-align:top}
.data th{background:var(--info-soft);color:var(--navy-deep)}
.data td:last-child{font-weight:700;white-space:nowrap}
.glossary dt{font-family:var(--head);font-weight:700;font-size:22px;color:var(--navy-deep);margin-top:18px}
.glossary dd{margin:4px 0 0;max-width:66ch}
.faq details{border-bottom:1px solid var(--rule);padding:4px 0}
.faq summary{cursor:pointer;font-weight:700;padding:10px 0}
.faq p{margin:0 0 12px;max-width:66ch}
.promise{background:var(--card);border:1px solid var(--rule);border-left:5px solid var(--orange);border-radius:8px;padding:18px 22px;margin:34px 0 0}
.promise h2{margin:0 0 8px;font-size:26px;color:var(--navy-deep)}
.promise ul{margin:0;padding-left:20px}
.promise li{margin:6px 0}

.signup{display:grid;gap:18px;background:var(--card);border:1px solid var(--rule);border-top:6px solid var(--orange);border-radius:8px;padding:22px;margin:30px 0}
@media (min-width:860px){.signup{grid-template-columns:.9fr 1.1fr;align-items:start}}
.signup h2{margin:0 0 8px;font-size:28px;color:var(--navy-deep)}
.signup p{margin:0 0 10px}
.signup .fine{font-size:14px;color:var(--muted)}
.signup-form{display:grid;gap:12px}
.signup-form label{display:grid;gap:4px;font-weight:600;font-size:16px}
.signup-form input[type=text],.signup-form input[type=email],.signup-form select{font:inherit;font-size:17px;padding:10px 12px;border:1px solid #AEBBC7;border-radius:6px;background:#fff;color:var(--ink);width:100%}
.signup-form .grid2{display:grid;gap:12px;margin-top:10px}
@media (min-width:560px){.signup-form .grid2{grid-template-columns:1fr 1fr}}
.more-q summary{cursor:pointer;font-weight:600;color:var(--navy);font-size:16px}
.consent{display:flex!important;gap:10px;align-items:flex-start;font-weight:400!important;font-size:14px!important;color:var(--muted)}
.consent input{width:20px;height:20px;margin-top:2px;accent-color:var(--navy);flex:none}
.hp{position:absolute!important;left:-9999px!important;width:1px;height:1px;opacity:0}
.signup .btn{justify-self:start}

.ptag{display:inline-block;font-size:12px;font-weight:700;color:var(--muted);border:1px solid var(--rule);border-radius:4px;padding:0 6px;background:#fff}
.partners{margin:40px 0 10px}
.partners h2{font-size:26px;margin:0 0 12px;color:var(--navy-deep)}
.plist{display:grid;gap:12px;grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}
.pcard{display:flex;flex-direction:column;gap:4px;background:var(--card);border:1px solid var(--rule);border-radius:8px;padding:14px;text-decoration:none;color:var(--ink)}
.pcard:hover{border-color:var(--navy)}
.pcard .ptag{align-self:flex-start}
.pimg{display:grid;place-items:center;height:110px;background:#F5F7F9;border-radius:6px;overflow:hidden;margin:4px 0 6px}
.pimg img{max-width:100%;max-height:110px;object-fit:contain}
.pcard strong{font-size:18px}
.ptext{font-size:15px;flex:1;color:var(--muted)}
.pcta{font-weight:700;color:var(--navy)}
.quote-cta{display:flex;gap:16px;align-items:center;background:var(--navy);color:#fff;border-radius:8px;padding:18px;margin:26px 0;text-decoration:none;position:relative}
.quote-cta img{width:92px;height:auto;background:#fff;border-radius:6px;padding:4px;flex:none}
.quote-cta strong{display:block;font-family:var(--head);font-size:23px}
.quote-cta .ptag{position:absolute;top:10px;right:10px}
.quote-cta .go{display:inline-block;margin-top:8px;background:var(--orange);color:#fff;font-weight:700;border-radius:6px;padding:7px 12px;font-size:15px}
.ebook{position:relative;background:var(--card);border:1px solid var(--rule);border-radius:8px;padding:14px;margin:28px 0}
.ebook>.ptag{position:absolute;top:12px;right:12px}
.ebook-in{display:grid;grid-template-columns:84px 1fr;gap:14px;align-items:center;text-decoration:none;color:var(--ink)}
.ebook-cover img{width:84px;height:110px;object-fit:cover;border-radius:4px;box-shadow:0 4px 12px rgba(0,0,0,.18);display:block}
.ebook-txt{display:flex;flex-direction:column;gap:3px;align-items:flex-start}
.ebook-from{font-size:14px;font-weight:700;color:var(--mcc)}
.ebook-txt strong{font-family:var(--head);font-size:20px;line-height:1.2;padding-right:34px}
.ebook-price{color:var(--muted);font-size:15px;margin-bottom:6px}
.ebook .btn{font-size:15px;padding:9px 14px}
.sister{background:var(--card);border:1px dashed #9FB0BF;border-radius:8px;padding:14px 18px;margin:24px 0;font-size:16px}

footer{background:var(--navy-deep);color:#C9D6E2;margin-top:44px;padding:24px 0 40px;font-size:14px}
footer a{color:#fff}
footer p{margin:0 0 8px;max-width:72ch}
.flinks{display:flex;flex-wrap:wrap;gap:6px 18px}

@media print{
  .strip,.top,footer,.partners,.ebook,.quote-cta,.signup,.actions,.more,.section-h,.guide-list,.tryit,.sister{display:none!important}
  body{background:#fff}.coi{box-shadow:none}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important}}
@media (max-width:560px){
  .pill{white-space:normal;line-height:1.25;font-size:11px;text-align:center;padding:3px 7px}
  .cov td{padding:9px 4px}.cov td:nth-child(2){font-size:14px}
}

.network{margin-top:14px;padding-top:12px;border-top:1px solid rgba(127,127,127,.35)}
.network strong{display:block;margin-bottom:6px}
.network .flinks{display:flex;flex-wrap:wrap;gap:6px 18px}

/* ===== Frame: insurance portal with full-screen menu ===== */
body.portalbody{border-left:10px solid transparent;border-image:repeating-linear-gradient(135deg,#D9621A 0 14px,#fff 14px 28px) 10}
@media (max-width:640px){body.portalbody{border-left-width:6px}}
.portal{background:#fff;border-bottom:2px solid #0E3A5B;position:sticky;top:0;z-index:40}
.portal .wrap{display:flex;align-items:center;justify-content:space-between;gap:12px;padding-top:10px;padding-bottom:10px}
.portal .brand{color:#0E3A5B}
.portal .brand .hl{color:#D9621A}
.drawer summary{list-style:none;display:flex;align-items:center;gap:10px;cursor:pointer;font-weight:700;color:#0E3A5B;border:2px solid #0E3A5B;border-radius:8px;padding:8px 14px;background:#fff}
.drawer summary::-webkit-details-marker{display:none}
.burger,.burger::before,.burger::after{display:block;width:18px;height:2px;background:#0E3A5B;position:relative;border-radius:2px}
.burger::before,.burger::after{content:"";position:absolute;left:0}.burger::before{top:-6px}.burger::after{top:6px}
.drawer[open] summary{background:#0E3A5B;color:#fff}
.drawer[open] .burger{background:transparent}.drawer[open] .burger::before{top:0;transform:rotate(45deg);background:#fff}.drawer[open] .burger::after{top:0;transform:rotate(-45deg);background:#fff}
.drawer-panel{position:fixed;left:0;right:0;top:64px;bottom:0;background:#092A43;color:#fff;overflow-y:auto;z-index:39}
.dp-in{max-width:760px;margin:0 auto;padding:26px 22px 40px;display:grid;gap:6px}
.dp-k{margin:0 0 8px;color:#FFB37A;font-weight:700;letter-spacing:.14em;font-size:13px;text-transform:uppercase}
.drawer-panel a.dl{display:block;color:#fff;text-decoration:none;font-family:var(--head);font-size:32px;font-weight:700;padding:8px 0;border-bottom:1px solid rgba(255,255,255,.12)}
.drawer-panel a.dl:hover{color:#FFB37A}
.dq{display:flex;flex-wrap:wrap;gap:8px;margin-top:16px}
.dq a{color:#fff;border:1px solid rgba(255,255,255,.3);border-radius:999px;padding:7px 14px;text-decoration:none;font-weight:600;font-size:15px}
.dp-strip{margin-top:22px;color:#C9D6E2;font-size:15px}.dp-strip a{color:#FFB37A}