:root{--ink:#183b32;--text:#29483e;--muted:#5d6f65;--paper:#f8f9f5;--white:#fff;--line:#dbe2d9;--soft:#edf2e8;--light:#f2f5ee;--accent:#c5d6b5;--amber:#80612f;--gold:#80612f;--gold-light:#dfc99b;--gold-soft:#f6f1e5;--gold-line:#d8c396;--radius:16px;--header:86px;--font-body:1rem;--font-small:.875rem;--font-label:.8125rem;--font-title:1.25rem;--font-section:1.625rem}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:112px}
body{margin:0;background:var(--paper);color:var(--text);font-family:-apple-system,BlinkMacSystemFont,"Segoe UI","PingFang SC","Hiragino Sans GB","Microsoft YaHei",sans-serif;font-size:16px;line-height:1.75;-webkit-font-smoothing:antialiased}
main{min-height:60vh}
button,input,select,textarea{font:inherit}
button,a,input,summary{-webkit-tap-highlight-color:transparent}
button{color:inherit}
a{color:inherit;text-decoration:none}
a,button,summary{touch-action:manipulation}
button,summary{cursor:pointer}
button{border:0;background:none}
img,svg{max-width:100%;height:auto}
input,select,textarea{max-width:100%}
h1,h2,h3,h4,h5,p,dl,ol,ul{margin-top:0}
h1,h2,h3,h4,h5{color:var(--ink);font-weight:650;line-height:1.35;letter-spacing:-.025em}
h1{font-size:clamp(2.5rem,5vw,4rem);line-height:1.2;margin-bottom:22px}
h2{font-size:clamp(1.625rem,2.6vw,1.875rem);margin-bottom:16px}
h3{font-size:var(--font-title);margin-bottom:12px}
h4{font-size:1.125rem;margin-bottom:12px}
h5{font-size:var(--font-body);margin-bottom:8px}
p{margin-bottom:16px}
p:last-child{margin-bottom:0}
strong{font-weight:650}
small{font-size:var(--font-small);line-height:1.65}
ul,ol{padding-left:1.3em}
li+li{margin-top:9px}
li::marker{color:#66815b}
[hidden]{display:none!important}
:focus-visible{outline:3px solid #92713a;outline-offset:5px}
section[id],details[id],article[id]{scroll-margin-top:112px}
.shell{width:min(1180px,calc(100% - 64px));margin-inline:auto}
.muted{color:var(--muted)}
.eyebrow{font-size:var(--font-label);font-weight:650;letter-spacing:.16em;text-transform:uppercase;color:var(--gold);margin-bottom:16px}
.pill,.case-tag,.case-term{display:inline-block;border:1px solid var(--line);border-radius:5px;background:var(--soft);color:#536c44;font-size:var(--font-label);line-height:1.5;padding:5px 9px;vertical-align:middle}
.skip{position:fixed;left:18px;top:-100px;background:var(--ink);color:white;padding:10px 18px;border-radius:6px;z-index:100}
.skip:focus{top:16px}
.site-header{position:sticky;top:0;z-index:30;background:rgba(248,249,245,.97);border-bottom:1px solid var(--line)}
.header-inner{min-height:var(--header);display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{display:inline-flex;align-items:center;gap:11px;white-space:nowrap;font-size:var(--font-section);font-weight:720;letter-spacing:-.06em;line-height:1}
.brand-mark{display:inline-flex;align-items:center;justify-content:center;width:37px;height:37px;border-radius:10px 10px 10px 1px;background:var(--ink);color:#d9e7c9;font-family:Georgia,serif;font-style:italic;font-size:2.1rem;padding-bottom:5px}
.brand-name{display:inline-block}
.brand-tech{font-weight:450;color:var(--muted)}
.main-nav{display:flex;align-items:center;justify-content:center;gap:30px;font-size:var(--font-small);line-height:1.4}
.main-nav a{padding:12px 0;white-space:nowrap;color:#496055}
.main-nav a:hover,.main-nav a[aria-current="page"]{color:var(--ink)}
.main-nav a[aria-current="page"]{box-shadow:inset 0 -2px var(--gold-line)}
.button{display:inline-flex;align-items:center;justify-content:center;gap:18px;min-height:46px;padding:11px 20px;border:1px solid var(--ink);border-radius:6px;font-size:var(--font-small);font-weight:650;line-height:1.5;text-align:center}
.button.primary,.button:not(.outline){background:var(--ink);color:#fff}
.button.outline{background:transparent;color:var(--ink)}
.button:hover{background:#285246;color:white;border-color:#285246}
.button.small{font-size:var(--font-small);min-height:39px;padding:9px 15px;white-space:nowrap}
.text-link{display:inline-flex;align-items:center;gap:9px;font-size:var(--font-small);font-weight:600;text-decoration:underline;text-decoration-color:var(--gold-line);text-underline-offset:5px}
.text-link:hover{color:#527640}
.actions{display:flex;align-items:center;flex-wrap:wrap;gap:20px;margin-top:26px}
.hero-grid{display:grid;grid-template-columns:1fr;align-items:center;gap:0;padding-top:52px;padding-bottom:40px}
.hero-copy>p:not(.eyebrow){max-width:680px;color:var(--muted);font-size:var(--font-body);line-height:1.85}
.hero-copy .eyebrow{margin-bottom:24px}
.hero-copy .hero-note{margin-top:20px;font-size:var(--font-small)}
.hero-panel{background:var(--ink);color:#e4ede1;border-radius:20px;padding:30px 32px}
.hero-panel>p,.hero-panel>.eyebrow{font-size:var(--font-label);color:var(--gold-light);letter-spacing:.08em;margin-bottom:16px}
.risk-line{display:flex;align-items:center;gap:18px;padding:23px 0;border-top:1px solid #456054}
.risk-line>span:first-child{font-size:var(--font-label);color:var(--gold-light)}
.risk-line>div{flex:1;min-width:0}
.risk-line strong{display:block;color:#fff;font-size:1.125rem;letter-spacing:-.02em;margin-bottom:3px}
.risk-line small{display:block;color:#bfceba;font-size:var(--font-small)}
.risk-line>span:last-child{font-size:var(--font-body);color:#c6d7b6}
.risk-line:last-child{padding-bottom:5px}
.section{padding-top:52px;padding-bottom:52px}
.section-heading{display:flex;justify-content:space-between;align-items:flex-end;gap:32px;margin-bottom:30px}
.section-heading h2{margin-bottom:0}
.section-heading .eyebrow{margin-bottom:11px}
.section-heading>p{max-width:430px;color:var(--muted);font-size:var(--font-body);margin:0}
.product-grid,.cost-card-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}
.product-card,.cost-card{display:flex;flex-direction:column;min-width:0;background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:27px 26px}
a.product-card:hover,a.cost-card:hover{border-color:#b29660;background:#fdfcf8}
.product-card .number,.product-card .card-number,.product-card>.eyebrow,.cost-card>.eyebrow{font-size:var(--font-label);color:var(--gold);margin-bottom:24px;letter-spacing:.09em}
.product-card h3{font-size:var(--font-title);line-height:1.5;margin-bottom:12px}
.product-card>p{color:var(--muted);font-size:var(--font-body);line-height:1.75}
.product-card .audience{display:block;color:#476146;font-size:var(--font-small);margin-top:auto;padding-top:8px}
.product-card .card-link,.cost-card .card-link{display:flex;justify-content:space-between;gap:12px;font-size:var(--font-small);font-weight:600;border-top:1px solid var(--line);padding-top:15px;margin-top:22px}
.service-band{display:grid;grid-template-columns:.85fr 1.2fr;gap:90px;padding-top:55px;padding-bottom:55px;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.service-band h2{font-size:1.875rem}
.service-band>div>p:not(.eyebrow){font-size:var(--font-body);color:var(--muted)}
.service-row{display:grid;grid-template-columns:32px 1fr;gap:20px;padding:18px 0;border-bottom:1px solid var(--line);font-size:var(--font-body)}
.service-row>span{font-size:var(--font-label);color:var(--gold);padding-top:3px}
.service-row>div>h3{margin-bottom:5px}
.service-row:first-child{padding-top:0}
.service-row:last-child{border-bottom:0;padding-bottom:0}
.service-row h3,.service-row strong{font-size:var(--font-body);margin:0}
.service-row p{color:var(--muted);margin:0}
.home-fees{display:flex;align-items:center;justify-content:space-between;gap:28px;padding:30px 0;font-size:var(--font-small)}
.home-fees h2,.home-fees h3{font-size:var(--font-title);margin-bottom:6px}
.home-fees p{color:var(--muted);font-size:var(--font-body);margin:0}
.home-fees .text-link{white-space:nowrap}
.contact-panel{display:flex;align-items:center;justify-content:space-between;gap:40px;background:var(--soft);border:1px solid #d6e0cc;border-radius:var(--radius);padding:37px 42px;margin-top:24px;margin-bottom:44px}
.contact-panel h2{font-size:1.85rem;margin-bottom:12px}
.contact-panel p{color:#61745a;font-size:var(--font-body);max-width:600px}
.contact-panel .eyebrow{font-size:var(--font-label);margin-bottom:12px}
.contact-panel .contact-email,.contact-panel a[href^="mailto:"]{font-size:1.125rem;color:var(--ink);font-weight:600;overflow-wrap:anywhere;margin-bottom:6px}
.contact-panel small,.contact-panel .contact-details>span{display:block;color:var(--muted);font-size:var(--font-small)}
.contact-label{display:block;font-size:var(--font-small);color:var(--muted);margin-bottom:7px}
.role-note{font-size:var(--font-small);color:var(--muted);line-height:1.9;max-width:930px;margin:0 0 6px}
#main>div.shell.section:last-child{padding-top:0;padding-bottom:30px}
#main>div.shell.section:last-child .contact-panel{margin-bottom:20px}
.site-footer{border-top:1px solid var(--line);padding:32px 0}
.footer-inner{display:flex;align-items:center;justify-content:space-between;gap:28px;font-size:var(--font-small);color:var(--muted)}
.footer-inner .brand{font-size:1.125rem}
.footer-inner>div>p{font-size:var(--font-small);margin:10px 0 0}
.footer-inner nav,.footer-links{display:flex;flex-wrap:wrap;gap:22px}
.footer-inner>p{font-size:var(--font-small);margin:0;text-align:right}
.breadcrumb{display:flex;flex-wrap:wrap;align-items:center;gap:10px;color:var(--muted);font-size:var(--font-small);padding-top:28px;margin-bottom:30px}
.breadcrumb a:hover{text-decoration:underline;text-underline-offset:4px}
.page-intro{padding-top:12px;padding-bottom:35px;max-width:900px}
.page-intro h1{font-size:clamp(2rem,4.3vw,3rem);line-height:1.3;margin-bottom:20px}
.page-intro>p:not(.eyebrow){max-width:790px;color:var(--muted);font-size:var(--font-body);line-height:1.9}
.page-intro .eyebrow{margin-bottom:16px}
.page-intro .actions{margin-top:24px}
.page-layout{display:grid;grid-template-columns:minmax(0,1fr) 265px;gap:44px;align-items:start;margin-bottom:48px}
.page-main{min-width:0}
.page-aside{position:sticky;top:112px;background:var(--soft);border:1px solid var(--line);border-radius:12px;padding:24px;font-size:var(--font-body)}
.page-aside h3{font-size:1.125rem}
.page-aside p{color:var(--muted);line-height:1.85}
.page-aside .button{width:100%;margin-top:10px;padding-inline:10px;font-size:var(--font-small)}
.page-aside .text-link{font-size:var(--font-small)}
.page-aside>.text-link{display:flex;margin-top:17px}
.aside-divider{height:1px;background:#d2dec8;margin:21px 0}
.page-aside ul{padding-left:1.1em}
.page-menu{display:flex;align-items:center;gap:25px;position:sticky;top:var(--header);z-index:20;background:var(--paper);border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:14px 0;margin-bottom:32px;font-size:var(--font-small);overflow-x:auto}
.page-menu a{flex-shrink:0;white-space:nowrap}
.page-menu a:hover{text-decoration:underline;text-underline-offset:4px}
.page-main>.section,.page-main>section{padding-top:24px;padding-bottom:26px}
.page-main>section:first-child{padding-top:0}
.page-main h2{font-size:var(--font-section);margin-bottom:24px}
.coverage-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:28px}
.coverage-grid>section,.coverage-grid>.core-block{min-width:0;padding:23px;background:var(--white);border:1px solid var(--line);border-radius:12px}
.coverage-grid>section:last-child{background:#f3f5ee}
.coverage-grid h3,.coverage-grid h4{font-size:var(--font-title);margin-bottom:15px}
.coverage-grid ul{padding-left:1.12em;margin-bottom:0;font-size:var(--font-body);line-height:1.9}
.coverage-grid li+li{margin-top:14px}
.coverage-module,.disclosure,.case-details,.wide-details{border:1px solid var(--line);border-radius:10px;background:var(--white);margin:14px 0;overflow:hidden}
summary{list-style:none;position:relative}
summary::-webkit-details-marker{display:none}
.coverage-module>summary{display:grid;grid-template-columns:minmax(0,1fr) 24px;gap:8px 17px;align-items:center;padding:23px}
.coverage-module>summary>span:first-child{display:block;font-size:var(--font-label);letter-spacing:.06em;color:var(--gold)}
.coverage-module>summary>.pill{grid-column:1;justify-self:start}
.coverage-module>summary>strong,.coverage-module>summary>small{grid-column:1}
.coverage-module>summary strong{display:block;font-size:var(--font-title);line-height:1.5}
.coverage-module>summary small{display:block;font-size:var(--font-small);color:var(--muted);margin-top:6px}
.coverage-module>summary .plus{grid-column:2;grid-row:1/4;margin-left:auto;align-self:center;font-size:var(--font-title);font-weight:300}
.coverage-module[open]>summary .plus{transform:rotate(45deg)}
.module-intro{font-size:var(--font-body);color:var(--muted);margin-bottom:18px}
.coverage-module[open]>summary{border-bottom:1px solid var(--line);background:var(--light)}
.coverage-module>.details-body{padding:25px}
.coverage-module>.details-body .coverage-grid{gap:18px}
.coverage-module .coverage-grid>section{padding:0;border:0;background:transparent}
.coverage-module .coverage-grid{margin:20px 0 26px}
.coverage-module p{font-size:var(--font-body)}
.disclosure>summary,.case-details>summary,.wide-details>summary{padding:18px 50px 18px 21px;font-size:var(--font-body);font-weight:600;line-height:1.6}
.disclosure>summary::after,.case-details>summary::after,.wide-details>summary::after{content:'+';position:absolute;right:20px;top:17px;font-size:1.125rem;font-weight:400;color:#6d805f}
.disclosure>summary>.plus,.case-details>summary>.plus,.wide-details>summary>.plus{display:none}
.disclosure[open]>summary::after,.case-details[open]>summary::after,.wide-details[open]>summary::after{content:'−'}
.disclosure[open]>summary,.case-details[open]>summary,.wide-details[open]>summary{border-bottom:1px solid var(--line);background:#f5f7f1}
.details-body{padding:21px;font-size:var(--font-body);line-height:1.8}
.details-body p+ul{margin-top:-3px}
.details-body p:last-child,.details-body ul:last-child,.details-body ol:last-child{margin-bottom:0}
.details-body h3{font-size:var(--font-title);margin-top:24px}
.details-body h4{font-size:var(--font-body)}
.document-stack{margin:24px 0}
.document-stack>.disclosure{margin:10px 0}
.info-note,.policy-note,.key-sentence{padding:17px 20px;border-left:3px solid var(--gold-line);background:var(--gold-soft);font-size:var(--font-small);line-height:1.9;color:#62563d;margin:22px 0}
.detail-cta{display:flex;align-items:center;justify-content:space-between;gap:24px;padding:25px;border:1px solid #d0ddc5;background:var(--soft);border-radius:12px;margin:28px 0}
.detail-cta h2,.detail-cta h3{font-size:var(--font-title);margin-bottom:7px}
.detail-cta p{font-size:var(--font-body);color:var(--muted);margin-bottom:0}
.detail-cta .button{flex-shrink:0}
.service-rows{display:grid;gap:0}
.service-rows>article{padding:20px 0;border-bottom:1px solid var(--line)}
.service-rows>article:first-child{padding-top:0}
.service-rows>article:last-child{padding-bottom:0;border-bottom:0}
.service-rows h4,.service-rows h5{font-size:var(--font-body);margin-bottom:8px}
.service-payer{font-size:var(--font-small);color:var(--muted);margin-bottom:6px}
.source-links{padding:0;list-style:none;font-size:var(--font-small)}
.source-links li{padding:14px 0;border-bottom:1px solid var(--line)}
.source-links a,.case-source a,.market-reference a{color:#3b6231;text-decoration:underline;text-underline-offset:4px;font-size:var(--font-small);overflow-wrap:anywhere}
.source-links span{display:block;font-size:var(--font-small);color:var(--muted);margin-top:6px}
.scenario-row{display:grid;grid-template-columns:1fr 1.1fr;gap:24px;padding:17px 0;border-bottom:1px solid var(--line);font-size:var(--font-body)}
.scenario-row h3,.scenario-row h4{font-size:var(--font-title);margin-bottom:8px}
.scenario-row p{color:var(--muted);margin:0}
.scenario-row .outcome{display:inline-block;font-size:var(--font-label);color:#61704f;margin-bottom:7px}
.mini-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}
.mini-grid>article,.mini-grid>div{padding:25px;background:var(--white);border:1px solid var(--line);border-radius:12px;min-width:0}
.mini-grid h3{font-size:var(--font-title)}
.mini-grid p,.mini-grid ul{font-size:var(--font-body);color:var(--muted)}
.process-list{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:20px;list-style:none;padding:0;margin:25px 0 34px}
.process-list li{margin:0;padding-top:18px;border-top:2px solid var(--gold-line);font-size:var(--font-body);min-width:0}
.process-list span{display:block;font-size:var(--font-label);color:var(--gold);margin-bottom:10px}
.process-list strong{display:block;font-size:var(--font-body);margin-bottom:7px}
.process-list p{color:var(--muted);margin:0}
.question-list{margin:20px 0}
.cost-card h2,.cost-card h3{font-size:var(--font-title)}
.cost-card .case-context{font-size:var(--font-small);color:var(--muted);margin-bottom:17px}
.cost-card>p{font-size:var(--font-body);color:var(--muted);margin-bottom:18px}
.cost-value{display:block;color:var(--ink);font-size:var(--font-section);line-height:1.35;font-weight:650;margin:7px 0 12px;letter-spacing:-.035em;overflow-wrap:anywhere}
.cost-card small{display:block;font-size:var(--font-small);color:var(--muted)}
.cost-card .card-link{margin-top:auto}
.case-article{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);margin-bottom:40px;overflow:hidden}
.case-heading{display:flex;justify-content:space-between;align-items:flex-start;gap:28px;padding:30px 32px;border-bottom:1px solid var(--line)}
.case-heading h2,.case-heading h3{font-size:var(--font-section);margin-bottom:16px}
.case-heading p{color:var(--muted);font-size:var(--font-body);line-height:1.9}
.case-heading .eyebrow{font-size:var(--font-label);color:var(--gold);margin-bottom:16px}
.case-term{flex-shrink:0;padding:9px 12px;font-size:var(--font-label)}
.case-budget{display:grid;grid-template-columns:.85fr 1.2fr;gap:32px;padding:30px 32px}
.case-spend h2,.case-spend h3,.case-spend h4{font-size:var(--font-title);margin-bottom:12px}
.spend-row{display:flex;align-items:flex-start;justify-content:space-between;gap:18px;padding:20px 0;border-bottom:1px solid var(--line);font-size:var(--font-body)}
.spend-row:last-child{border-bottom:0;padding-bottom:0}
.spend-row>div{flex:1;min-width:0}
.spend-row strong{font-size:var(--font-body)}
.spend-row b{font-size:var(--font-body);flex-shrink:0;max-width:43%;text-align:right;font-variant-numeric:tabular-nums;overflow-wrap:anywhere}
.spend-row p{font-size:var(--font-small);color:var(--muted);line-height:1.75;margin-top:8px}
.spend-row .case-tag{font-size:var(--font-label);padding:3px 6px;margin-left:7px;color:var(--gold);background:var(--gold-soft);border-color:var(--gold-line)}
.case-total{background:var(--ink);color:#e2ecda;border-radius:12px;padding:27px;align-self:start}
.case-total>span{font-size:var(--font-small);color:var(--gold-light)}
.case-total>strong{display:block;color:white;font-size:clamp(1.65rem,2.6vw,2.2rem);line-height:1.35;margin:20px 0;font-variant-numeric:tabular-nums;letter-spacing:-.025em;overflow-wrap:anywhere}
.case-total>p{font-size:var(--font-small);line-height:1.9}
.case-total>small{display:block;border-top:1px solid #426052;padding-top:15px;margin-top:20px;font-size:var(--font-small);color:#bfceba}
.case-source{margin:0 32px 28px;padding-left:17px;border-left:3px solid var(--gold-line)}
.case-source p{color:var(--muted);font-size:var(--font-small);line-height:1.9;margin-top:9px}
.market-reference{margin:0 32px 28px;padding:23px;background:#f9f6ed;border:1px solid #e9dfc3;border-radius:9px;font-size:var(--font-small);line-height:1.9}
.market-reference .source-tag{color:#886b31;background:#f3eedb;border-color:#e8dcb8;margin-bottom:14px}
.market-reference h4{font-size:var(--font-title)}
.market-reference .reference-limit{font-size:var(--font-small);color:#7e745e}
.case-article>.case-details{margin:0 32px 24px;border-left:0;border-right:0;border-radius:0}
.case-article>.disclosure{margin:0 32px 24px;border-left:0;border-right:0;border-radius:0}
.work-rows>div{display:grid;grid-template-columns:minmax(0,1fr) 80px 100px;gap:18px;padding:12px 0;border-bottom:1px solid var(--line);font-size:var(--font-small)}
.work-rows>div span:nth-child(2){color:var(--muted)}
.work-rows>div strong{text-align:right;font-variant-numeric:tabular-nums}
.work-rows+p{font-size:var(--font-small);color:var(--muted);margin-top:17px}
.case-claim{padding:30px 32px;background:#f4f7f0;border-top:1px solid var(--line);border-bottom:1px solid var(--line);margin-bottom:24px}
.case-claim>h2{font-size:var(--font-title);margin-top:15px;margin-bottom:16px}
.case-claim>p:not(.claim-note):not(.zero-claim){font-size:var(--font-body);color:var(--muted);line-height:1.9}
.claim-heading h3,.claim-heading h4{font-size:var(--font-title);margin-top:15px}
.claim-heading p{color:var(--muted);font-size:var(--font-body);line-height:1.9}
.assumption-tag{color:#8b703b;background:#f3eedf;border-color:#e1d9c2}
.case-terms{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));margin:23px 0;background:white;border:1px solid #d4dfcb;border-radius:9px;overflow:hidden}
.case-terms>div{padding:16px;border-right:1px solid #d4dfcb}
.case-terms>div:last-child{border-right:0}
.case-terms dt{font-size:var(--font-small);color:var(--muted);margin-bottom:8px;line-height:1.7}
.case-terms dd{font-size:var(--font-body);font-weight:650;margin:0;overflow-wrap:anywhere;font-variant-numeric:tabular-nums}
.claim-layout{display:grid;grid-template-columns:1.25fr .9fr;gap:34px;align-items:start;margin-top:26px}
.claim-ledger{font-size:var(--font-body);margin:0}
.claim-ledger>div{display:flex;justify-content:space-between;gap:22px;padding:13px 0;border-bottom:1px solid #d1ddc9}
.claim-ledger>div:last-child{font-weight:650;border-bottom:0}
.claim-ledger dd{margin:0;text-align:right;font-variant-numeric:tabular-nums;flex-shrink:0}
.claim-results{background:var(--gold-soft);border:1px solid var(--gold-line);border-radius:10px;padding:23px}
.claim-results>div+div{border-top:1px solid #e0d1b2;margin-top:20px;padding-top:18px}
.claim-results span{display:block;font-size:var(--font-small);color:var(--gold)}
.claim-results strong{display:block;font-size:1.9rem;line-height:1.3;color:var(--ink);margin-top:10px;font-variant-numeric:tabular-nums;overflow-wrap:anywhere}
.claim-results>div+div strong{font-size:var(--font-title)}
.claim-note{color:var(--muted);font-size:var(--font-small);line-height:1.9;margin-top:24px}
.zero-claim{font-size:var(--font-small);line-height:1.9;border-top:1px solid #d6e1cd;padding-top:17px;margin-top:19px}
.provenance-rows>div{display:grid;grid-template-columns:80px 1fr;gap:20px;padding:10px 0;font-size:var(--font-small)}
.provenance-rows dt{font-weight:650}
.provenance-rows dd{margin:0;color:var(--muted)}
.case-boundaries{font-size:var(--font-small);color:var(--muted);line-height:1.9;margin:23px 0 36px}
.case-boundaries p{margin-bottom:10px}
.timeline{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));list-style:none;padding:0;margin:24px 0;border:1px solid var(--line);border-radius:10px;overflow:hidden}
.timeline li{margin:0;padding:17px;border-right:1px solid var(--line)}
.timeline li:last-child{border-right:0}
.timeline strong{display:block;font-size:var(--font-body)}
.timeline span,.timeline small{display:block;font-size:var(--font-small);color:var(--muted);margin-top:5px}
.calculation-layout{display:grid;grid-template-columns:1.25fr .9fr;gap:25px;align-items:start}
.cost-form{min-width:0}
.card-heading{display:flex;align-items:center;justify-content:space-between;gap:15px;margin-bottom:14px}
.card-heading h3{font-size:var(--font-body);margin:0}
.text-button{color:#58774a;font-size:var(--font-small);padding:7px 0;text-decoration:underline;text-underline-offset:4px}
.inputs-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}
.inputs-grid label{font-size:var(--font-small);color:#546b4a}
.inputs-grid input{font-size:var(--font-body);display:block;width:100%;border:1px solid #cad7c1;border-radius:6px;background:white;min-height:42px;margin-top:8px;padding:9px 10px;color:var(--ink);font-variant-numeric:tabular-nums}
.inputs-grid input[aria-invalid="true"]{border-color:#a25f4b;background:#fff7f4}
.calculation-note,.calculation-layout .muted{font-size:var(--font-small);color:var(--muted);line-height:1.85}
.calculation-note{margin-top:20px}
.result-card{padding:25px;background:var(--ink);border-radius:12px;color:#dde8d4}
.result-card .eyebrow{color:var(--gold-light);font-size:var(--font-label)}
.result-value{font-size:2.4rem;color:#fff;font-weight:650;letter-spacing:-.04em;line-height:1.25;margin-bottom:8px;font-variant-numeric:tabular-nums}
.result-caption{font-size:var(--font-small);color:#c3d2b7}
.result-lines{margin-top:25px}
.result-lines>div{display:flex;justify-content:space-between;gap:15px;padding:10px 0;border-bottom:1px solid #3c5b4c;font-size:var(--font-small)}
.result-lines strong{font-variant-numeric:tabular-nums;white-space:nowrap}
.result-card #cap-message,.result-note{font-size:var(--font-small);line-height:1.85;margin-top:17px;color:#c0ceb7}
.error{font-size:var(--font-small);color:#924934;margin-top:14px}
.example-intro{font-size:var(--font-small)}
.example-intro .pill{margin-bottom:12px}
.portfolio-path{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:15px;margin:25px 0}
.portfolio-path>div{border-top:2px solid #afc49c;padding:15px 0}
.portfolio-path span{display:block;color:var(--gold);font-size:var(--font-small)}
.portfolio-path strong{display:block;font-size:var(--font-body);margin:7px 0}
.portfolio-path p{font-size:var(--font-body);color:var(--muted)}
.portfolio-grid,.recipient-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px;margin:20px 0}
.ledger-grid,.loss-split{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px;margin:20px 0}
.ledger-grid>article,.loss-split>article,.portfolio-card{padding:22px;background:white;border:1px solid var(--line);border-radius:10px;min-width:0}
.ledger-grid h3,.loss-split h3,.portfolio-card h3{font-size:var(--font-title);margin-top:14px}
.ledger-grid p,.loss-split p,.portfolio-card p,.portfolio-intro{font-size:var(--font-body);line-height:1.9}
.ledger-grid small,.loss-split small,.portfolio-card small{display:block;font-size:var(--font-small);color:var(--muted);line-height:1.9}
.portfolio-grid>article,.recipient-list>article{padding:22px;border:1px solid var(--line);border-radius:10px;background:white}
.portfolio-grid h3{font-size:var(--font-title)}
.portfolio-grid p,.recipient-list p{font-size:var(--font-body);line-height:1.9}
.recipient-list strong{display:block;font-size:var(--font-body);margin-bottom:10px}
.references ul{list-style:none;padding:0}
.references li{border-bottom:1px solid var(--line);padding:13px 0;margin:0}
.references a{font-size:var(--font-small);text-decoration:underline;text-underline-offset:4px}
.references li span{display:block;font-size:var(--font-small);color:var(--muted);margin-top:7px}
.product-intro{max-width:970px;padding-bottom:31px}
.product-intro h1{font-size:clamp(2rem,4vw,3rem);max-width:940px}
.product-intro>p:not(.eyebrow){max-width:860px}
.product-guide{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));position:sticky;top:var(--header);z-index:20;gap:0;border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:var(--paper);margin:0 0 30px;padding:9px 0}
.product-guide a{display:flex;align-items:center;justify-content:center;min-width:0;min-height:44px;padding:9px 12px;font-size:var(--font-small);font-weight:600;border-right:1px solid var(--line);text-align:center;line-height:1.6}
.product-guide a:last-child{border-right:0}
.product-guide a:hover,.product-guide a[aria-current="location"]{background:var(--gold-soft);color:var(--gold)}
.product-guide a span{color:var(--gold);font-size:var(--font-small);margin-right:9px}
.customer-overview{margin-bottom:42px}
.answer-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:23px;margin-bottom:27px}
.answer-card{min-width:0;background:var(--white);border:1px solid var(--line);border-top:3px solid var(--gold-line);border-radius:12px;padding:27px 28px}
.answer-card h2{font-size:var(--font-title);line-height:1.45;margin-bottom:18px}
.answer-card .eyebrow{font-size:var(--font-label);margin-bottom:12px}
.answer-card>p{font-size:var(--font-body);line-height:1.85;color:var(--muted)}
.answer-card ul{font-size:var(--font-body);line-height:1.85;padding-left:1.13em;margin-bottom:0}
.answer-card li+li{margin-top:13px}
.answer-card li::marker{color:var(--gold)}
.answer-exclusions{background:#f2f4ef;border-top-color:#b8c4b5}
.answer-exclusions li::marker{color:#73816b}
.answer-card strong{color:var(--ink)}
.answer-item+.answer-item{margin-top:16px;padding-top:14px;border-top:1px solid var(--line)}
.answer-item h3{font-size:var(--font-title);line-height:1.6;margin-bottom:9px}
.answer-item p{font-size:var(--font-body);line-height:1.9;color:var(--muted);margin:0}
.answer-card>.answer-note{font-size:var(--font-small);line-height:1.9;padding-top:14px;border-top:1px solid var(--line);margin:16px 0 0;color:#66775d}
.answer-card .text-link{font-size:var(--font-small);margin-top:20px}
.product-budget{padding:27px 28px;margin:27px 0;background:#fcfaf5;border:1px solid var(--gold-line);border-radius:12px;min-width:0}
.budget-heading{display:flex;align-items:flex-start;justify-content:space-between;gap:28px;margin-bottom:21px}
.budget-heading h2{font-size:var(--font-title);line-height:1.45;margin-bottom:8px}
.budget-heading p{font-size:var(--font-small);color:#74674c;line-height:1.8;margin:0}
.budget-heading .eyebrow{font-size:var(--font-label);color:var(--gold);margin-bottom:11px}
.budget-heading .text-link{flex-shrink:0;font-size:var(--font-small);max-width:100%;margin-top:6px}
.budget-heading>.case-tag,.claim-example>.case-tag{color:var(--gold);background:var(--gold-soft);border-color:#e1d1af}
.product-budget>.case-context{font-size:var(--font-small);color:#74674c;margin-bottom:16px}
.product-budget>.text-link{margin-top:18px;font-size:var(--font-small)}
.budget-breakdown{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin:19px 0}
.budget-breakdown>div{min-width:0;background:white;border:1px solid #e5dcc8;border-radius:8px;padding:18px 19px}
.budget-breakdown>div>span{display:block;color:#74674c;font-size:var(--font-small);line-height:1.75;margin-bottom:10px}
.budget-breakdown strong{display:block;color:var(--ink);font-size:clamp(1.05rem,1.7vw,1.35rem);line-height:1.45;font-weight:650;font-variant-numeric:tabular-nums;letter-spacing:-.02em;overflow-wrap:anywhere}
.budget-breakdown>div:last-child{background:var(--gold-soft);border-color:var(--gold-line)}
.budget-breakdown small{display:block;font-size:var(--font-small);line-height:1.75;color:#74674c;margin-top:8px}
.budget-note{font-size:var(--font-small);line-height:1.85;color:#70644c;margin:15px 0 0}
.budget-note strong{color:var(--gold)}
.product-claim{padding:31px 0 4px;margin:28px 0 36px;border-top:1px solid var(--line)}
.product-claim>h2{font-size:var(--font-section);margin-bottom:12px}
.product-claim>.eyebrow{margin-bottom:12px}
.product-claim>p{font-size:var(--font-body);color:var(--muted);line-height:1.9;max-width:890px}
.claim-steps{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:29px;margin:26px 0 29px}
.claim-steps>article{min-width:0;padding-top:18px;border-top:2px solid var(--gold-line)}
.claim-steps>article>span{display:inline-flex;align-items:center;justify-content:center;width:30px;height:30px;border:1px solid #e1d1af;background:var(--gold-soft);color:var(--gold);border-radius:50%;font-size:var(--font-label);font-weight:650;line-height:1;margin-bottom:14px}
.claim-steps h3{font-size:var(--font-title);line-height:1.5;margin-bottom:9px}
.claim-steps p{font-size:var(--font-body);line-height:1.9;color:var(--muted);margin-bottom:0}
.claim-example{background:var(--white);border:1px solid var(--line);border-radius:12px;padding:25px 28px;min-width:0}
.claim-example h3,.claim-example h4{font-size:var(--font-title);line-height:1.5;margin-bottom:11px}
.claim-example>p{font-size:var(--font-body);line-height:1.85;color:var(--muted)}
.claim-example>.eyebrow{color:var(--gold);font-size:var(--font-label);margin-bottom:12px}
.claim-example-values{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:23px;padding:19px 0;margin:15px 0 17px;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.claim-example-values>div{min-width:0;border-right:1px solid var(--line);padding-right:20px}
.claim-example-values>div:last-child{border-right:0;padding-right:0}
.claim-example-values span{display:block;font-size:var(--font-small);line-height:1.75;color:var(--muted);margin-bottom:9px}
.claim-example-values strong{display:block;font-size:clamp(1.4rem,2.2vw,1.85rem);line-height:1.35;letter-spacing:-.025em;font-variant-numeric:tabular-nums;color:var(--ink);overflow-wrap:anywhere}
.claim-example-values>div:last-child span{color:var(--gold)}
.claim-example .text-link{font-size:var(--font-small);margin-top:3px}
.claim-example>.case-tag{margin-bottom:17px;font-size:var(--font-label)}
.product-claim>.claim-timing{font-size:var(--font-small);line-height:1.9;color:var(--muted);margin-top:18px;padding-left:15px;border-left:2px solid var(--gold-line)}
.product-terms{padding:32px 0 15px;margin-top:30px;border-top:1px solid var(--line)}
.product-terms>h2{font-size:var(--font-section);margin-bottom:12px}
.product-terms .terms-intro{display:flex;justify-content:space-between;align-items:flex-end;gap:28px;font-size:var(--font-body);line-height:1.9;color:var(--muted);margin-bottom:25px}
.terms-intro h2{font-size:var(--font-section);line-height:1.5;margin:0}
.terms-intro .eyebrow{font-size:var(--font-label);margin-bottom:12px}
.terms-intro>p{font-size:var(--font-small);margin:0;max-width:420px}
.product-terms>details{margin-block:13px}
.product-terms>.disclosure>summary{font-size:var(--font-body);padding-block:20px}
.product-terms .coverage-module{margin-block:15px}
.product-terms .coverage-grid ul{font-size:var(--font-body)}
.product-terms .service-rows{max-width:970px}
.term-section{padding:23px 0;border-bottom:1px solid var(--line)}
.term-section:first-child{padding-top:0}
.term-section:last-child{padding-bottom:0;border-bottom:0}
.term-section h4{font-size:var(--font-body);line-height:1.65;margin-bottom:13px}

/* Concise fees and services pages. */
.compact-intro{padding-bottom:27px;max-width:900px}
.compact-intro h1{font-size:clamp(2rem,4vw,3rem);margin-bottom:16px}
.compact-intro>p:not(.eyebrow){margin-bottom:0;line-height:1.75}
.cost-card h2{font-size:var(--font-title);line-height:1.45;margin-bottom:10px}
.cost-card .case-context{font-size:var(--font-small);line-height:1.7;margin-bottom:18px}
.cost-card .cost-value{font-size:clamp(1.5rem,2.3vw,1.875rem);line-height:1.4;margin:0 0 14px;font-variant-numeric:tabular-nums}
.cost-card .cost-summary{font-size:var(--font-small);line-height:1.75;margin-bottom:22px}
.cost-card>.text-link{margin-top:auto;padding-top:16px;border-top:1px solid var(--line);font-size:var(--font-small);align-self:stretch;justify-content:space-between}
.reference-note{border-left:3px solid var(--gold-line);padding:1px 0 1px 16px;margin:25px 0 32px;color:var(--muted);font-size:var(--font-small);line-height:1.8;max-width:1050px}
.price-faq{padding:0;margin:34px 0 40px;max-width:100%}
.price-faq>h2{font-size:var(--font-section);margin-bottom:21px}
.price-faq>.disclosure{margin:11px 0}
.case-budget>.case-total,.case-budget>.case-spend{min-width:0}
.case-budget>.case-total{position:sticky;top:112px}
.case-budget>.case-spend{padding-top:2px}
.case-total>h2{font-size:var(--font-title);line-height:1.5;color:#fff;margin:18px 0 0}
.case-total>.case-tag{font-size:var(--font-label);color:var(--gold-light);border-color:#60715c;background:transparent}
.fee-definitions{margin:0}
.fee-definitions>div{display:grid;grid-template-columns:140px minmax(0,1fr);gap:20px;padding:15px 0;border-bottom:1px solid var(--line)}
.fee-definitions>div:first-child{padding-top:0}
.fee-definitions>div:last-child{border-bottom:0;padding-bottom:0}
.fee-definitions dt{font-weight:650}
.fee-definitions dd{margin:0;color:var(--muted)}
.service-role{max-width:none;margin:-13px 0 30px;font-size:var(--font-small);line-height:1.8}
.service-start .process-list h3{font-size:var(--font-title);line-height:1.45;margin-bottom:10px}
.case-spend h2{font-size:var(--font-title);margin-bottom:7px}
.case-spend .spend-row{padding:18px 0}
.case-spend .spend-row:last-child{padding-bottom:0}
.case-claim>h2{font-size:var(--font-section);margin:0 0 16px}
.claim-summary{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:0;background:var(--white);border:1px solid var(--line);border-radius:10px;overflow:hidden;margin:22px 0}
.claim-summary>div{min-width:0;padding:21px 22px;border-right:1px solid var(--line)}
.claim-summary>div:last-child{border-right:0;background:var(--gold-soft)}
.claim-summary span{display:block;color:var(--muted);font-size:var(--font-small);line-height:1.7;margin-bottom:11px}
.claim-summary strong{display:block;font-size:clamp(1.5rem,2.4vw,2rem);font-weight:650;color:var(--ink);line-height:1.35;letter-spacing:-.025em;font-variant-numeric:tabular-nums;overflow-wrap:anywhere}
.claim-summary>div:last-child span{color:var(--gold)}
.case-claim .claim-note{font-size:var(--font-small);line-height:1.8;margin-top:19px}
.case-claim>.disclosure{margin-top:22px;margin-bottom:0}
.service-offerings{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;margin:0 0 39px}
.service-offerings>article{min-width:0;padding:26px;background:var(--white);border:1px solid var(--line);border-top:3px solid var(--gold-line);border-radius:12px}
.service-number{display:block;font-size:var(--font-label);font-weight:600;line-height:1.5;color:var(--gold);margin-bottom:18px;letter-spacing:.05em}
.service-offerings h2{font-size:var(--font-title);line-height:1.45;margin-bottom:13px}
.service-offerings p{color:var(--muted);font-size:var(--font-body);line-height:1.75;margin-bottom:19px}
.service-offerings ul{font-size:var(--font-small);line-height:1.75;padding-left:1.15em;margin-bottom:0;border-top:1px solid var(--line);padding-top:17px}
.service-offerings li+li{margin-top:10px}
.service-offerings li::marker{color:var(--gold)}
.service-start{padding:33px 0 10px;border-top:1px solid var(--line)}
.service-start>h2{font-size:var(--font-section);margin-bottom:18px}
.service-start>.process-list{grid-template-columns:repeat(3,minmax(0,1fr));gap:29px;margin-top:21px;margin-bottom:32px}
.service-start .process-list li{font-size:var(--font-body);line-height:1.75}
.service-start .process-list strong{font-size:var(--font-title);line-height:1.45;margin-bottom:10px}
.support-banner{display:flex;align-items:center;justify-content:space-between;gap:28px;padding:27px 30px;margin:25px 0 34px;background:var(--gold-soft);border:1px solid var(--gold-line);border-radius:12px}
.support-banner h2{font-size:var(--font-title);margin-bottom:9px}
.support-banner p{max-width:760px;font-size:var(--font-body);line-height:1.75;color:#6b604b;margin-bottom:0}
.support-banner .button{flex-shrink:0}
.service-details{padding:8px 0 12px;margin:30px 0 36px}
.service-details>h2{font-size:var(--font-section);margin-bottom:22px}
.service-details>.disclosure{margin:11px 0}

.home-intro .hero-copy{max-width:860px}
.home-intro+#products{padding-top:24px}
.home-service-summary{display:grid;grid-template-columns:minmax(0,1fr) auto;align-items:center;gap:10px 36px;padding-block:36px;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.home-service-summary>div{min-width:0}.home-service-summary h2{font-size:var(--font-section);margin:0 0 12px}
.home-service-summary p{max-width:800px;font-size:var(--font-body);line-height:1.75;color:var(--muted);margin:0}
.home-service-summary>.text-link{grid-column:2;align-self:center;white-space:nowrap}
.case-example-disclosure{margin:20px 0 0}
.case-example-disclosure>summary{font-size:var(--font-body)}
.case-example-disclosure>.details-body{padding:22px}
.case-example-disclosure .claim-example{padding:0;border:0;border-radius:0;background:transparent}
.case-example-disclosure .claim-example>h3{margin-top:0}
.case-example-disclosure .claim-example>.case-tag{margin-bottom:14px}
@media(min-width:1400px){.hero-panel{padding:33px 37px}}
@media(max-width:1020px){
 .shell{width:calc(100% - 48px)}.header-inner{gap:16px}.main-nav{gap:23px;}.brand{font-size:var(--font-title)}
 .hero-grid{padding-top:44px;padding-bottom:36px}.hero-panel{padding:24px}.hero-copy h1{font-size:3.5rem}.risk-line{padding:21px 0}
 .service-band{gap:50px}.product-card,.cost-card{padding:23px 21px}.section-heading{gap:24px}
 .page-layout{grid-template-columns:minmax(0,1fr) 235px;gap:28px}.coverage-grid{gap:18px}.coverage-grid>section{padding:18px}
 .page-aside{padding:19px}.case-budget{gap:24px}.case-terms{grid-template-columns:repeat(2,minmax(0,1fr))}.case-terms>div:nth-child(2){border-right:0}.case-terms>div:nth-child(-n+2){border-bottom:1px solid #d4dfcb}
 .claim-layout{gap:25px}.calculation-layout{grid-template-columns:1fr}.mini-grid{gap:16px}.mini-grid>article,.mini-grid>div{padding:21px}
 .answer-grid{gap:20px}.answer-card{padding:22px}.product-budget{padding:25px}.budget-breakdown{gap:12px}.budget-breakdown>div{padding:16px}.claim-steps{gap:22px}.claim-example-values{gap:18px}.claim-example-values>div{padding-right:15px}
}
@media(max-width:760px){
 .home-intro+#products{padding-top:15px}.home-service-summary{display:block;padding-block:28px}.home-service-summary h2{margin-bottom:12px}.home-service-summary>.text-link{margin-top:18px}
 .case-example-disclosure>.details-body{padding:20px}.case-example-disclosure .claim-example-values{margin:14px 0}.case-example-disclosure .claim-example-values>div{padding-block:13px}
 .budget-breakdown>div:last-child{border-bottom:0;background:transparent}.budget-breakdown>div:last-child>span{color:var(--gold)}
 .service-offerings h2{margin-bottom:12px}

 .service-offerings{grid-template-columns:1fr;margin-bottom:27px;gap:14px}.service-offerings>article{padding:20px}.service-number{margin-bottom:12px}.service-offerings p{margin-bottom:15px}.service-offerings ul{padding-top:12px}.service-start{padding-top:24px}.service-start>.process-list{grid-template-columns:1fr;gap:16px;margin-top:18px;margin-bottom:21px}.service-start .process-list li{padding-top:14px}.service-start .process-list span{margin-bottom:9px}
 .support-banner{display:block;padding:22px;margin:21px 0 25px}.support-banner .button{margin-top:20px}.service-details{margin:23px 0 27px}.case-budget>.case-total{position:static}.case-claim>h2{font-size:1.5rem}.cost-card-grid{gap:16px}.claim-summary>div{padding:20px 18px}

 :root{--header:107px}html{scroll-padding-top:132px}.shell{width:calc(100% - 40px)}.site-header{background:var(--paper)}
 .header-inner{flex-wrap:wrap;gap:12px;padding-top:13px;padding-bottom:9px;min-height:107px}.brand{font-size:var(--font-title)}.brand-mark{width:32px;height:32px;font-size:1.85rem;border-radius:8px 8px 8px 1px}
 .main-nav{order:3;flex-basis:100%;justify-content:space-between;gap:16px;}.main-nav a{padding:7px 0}.header-inner>.button{margin-left:auto;min-height:36px;padding:7px 13px}
 .hero-grid{padding-top:28px;padding-bottom:24px}.hero-copy h1{font-size:clamp(2.7rem,8vw,3.7rem);margin-bottom:18px}.hero-copy .eyebrow{margin-bottom:20px}.hero-copy>p:not(.eyebrow){max-width:580px;}
 .hero-panel{padding:23px 25px;border-radius:15px}.risk-line{padding:17px 0}.hero-panel>.eyebrow{margin-bottom:10px}
 .section{padding-block:28px}.section-heading{display:block;margin-bottom:23px}.section-heading>p{margin-top:14px;}.section-heading h2{font-size:var(--font-section)}
 .product-grid{grid-template-columns:1fr;gap:14px}.product-card{padding:23px 24px}.product-card .number,.product-card .card-number,.product-card>.eyebrow{margin-bottom:14px}.product-card h3{margin-bottom:8px}.product-card .card-link{margin-top:16px;padding-top:13px}
 .service-band{grid-template-columns:1fr;gap:26px;padding-block:36px}.service-band h2{font-size:var(--font-section)}.service-row{grid-template-columns:28px 1fr;gap:17px;padding-block:17px}.home-fees{align-items:flex-start;padding-block:26px;gap:20px}
 .contact-panel{padding:25px 24px;display:block;margin-top:12px;margin-bottom:26px}.contact-panel h2{font-size:var(--font-section)}.contact-panel>div+div{margin-top:23px}
 .footer-inner{display:grid;grid-template-columns:1fr;gap:22px}.footer-inner>p{text-align:left}.footer-links,.footer-inner nav{gap:20px}.site-footer{padding-block:26px}
 .breadcrumb{padding-top:19px;margin-bottom:20px;}.page-intro{padding-bottom:24px}.page-intro h1{font-size:2.125rem;line-height:1.35}.page-layout{grid-template-columns:1fr;gap:26px;margin-bottom:28px}.page-aside{position:static;display:block;padding:24px}.page-aside .button{width:auto;min-width:160px}.page-menu{gap:23px;margin-bottom:25px;padding-block:12px}
 .page-main h2{font-size:var(--font-section)}.coverage-grid{gap:18px}.coverage-grid>section{padding:19px}.coverage-module>summary{padding:20px;gap:13px}.coverage-module>.details-body{padding:20px}
 .detail-cta{display:block;padding:23px}.detail-cta .button{margin-top:18px}.info-note,.policy-note,.key-sentence{padding:15px 17px}.details-body{padding:19px}.disclosure>summary,.case-details>summary,.wide-details>summary{padding-block:17px}
 .scenario-row{gap:20px;}.mini-grid{grid-template-columns:1fr;gap:13px}.process-list{grid-template-columns:repeat(2,minmax(0,1fr));gap:24px}.cost-card-grid{grid-template-columns:1fr}.cost-card{padding:25px}.cost-card .card-link{margin-top:21px}.cost-value{font-size:var(--font-section)}
 .case-heading{display:block;padding:25px}.case-heading h2,.case-heading h3{font-size:var(--font-title)}.case-heading .case-term{margin-top:17px}.case-budget{grid-template-columns:1fr;padding:25px;gap:26px}.case-total{padding:24px}.case-total>strong{font-size:1.95rem}.case-source{margin:0 25px 24px}.market-reference{margin:0 25px 24px;padding:21px}.case-article>.case-details{margin:0 25px 23px}.case-claim{padding:25px}.claim-layout{grid-template-columns:1fr;gap:26px}.claim-results{padding:23px;display:grid;grid-template-columns:1fr 1fr;gap:20px}.claim-results>div+div{margin:0;padding:0;border-top:0;border-left:1px solid #cad9bb;padding-left:20px}.claim-results strong{font-size:var(--font-section)}.claim-results>div+div strong{font-size:var(--font-title)}
 .work-rows>div{grid-template-columns:minmax(0,1fr) 70px 80px;gap:14px;}.provenance-rows>div{grid-template-columns:68px 1fr;gap:15px;}.timeline{grid-template-columns:repeat(2,minmax(0,1fr))}.timeline li:nth-child(2){border-right:0}.timeline li:nth-child(-n+2){border-bottom:1px solid var(--line)}.portfolio-grid,.recipient-list,.ledger-grid,.loss-split{grid-template-columns:1fr}.portfolio-path{gap:12px}.case-article>.disclosure{margin-inline:25px}
 .product-intro{padding-bottom:22px}.product-intro h1{font-size:2.125rem}.product-guide{position:static;grid-template-columns:repeat(2,minmax(0,1fr));padding:0;margin-bottom:21px;border:1px solid var(--line);border-radius:9px;overflow:hidden}.product-guide a{padding:12px 10px;min-height:47px}.product-guide a:nth-child(2){border-right:0}.product-guide a:nth-child(-n+2){border-bottom:1px solid var(--line)}.customer-overview{margin-bottom:26px}.answer-grid{grid-template-columns:1fr;gap:15px;margin-bottom:20px}.answer-card{padding:22px}.answer-card h2{font-size:var(--font-title);margin-bottom:16px}.answer-card ul{line-height:1.85}.answer-card li+li{margin-top:11px}.product-budget{padding:22px;margin:20px 0}.budget-heading{display:block;margin-bottom:15px}.budget-heading h2{font-size:var(--font-title)}.budget-heading>.case-tag{margin-top:14px}.budget-heading .text-link{margin-top:15px}.budget-breakdown{grid-template-columns:1fr;gap:0;margin:15px 0;border-top:1px solid #e5dcc8;border-bottom:1px solid #e5dcc8}.budget-breakdown>div{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.3fr);align-items:center;gap:6px 16px;padding:13px 0;border:0;border-bottom:1px solid #e5dcc8;border-radius:0;background:transparent}.budget-breakdown>div>span{margin:0;}.budget-breakdown strong{max-width:100%;font-size:1.125rem;text-align:right}.budget-breakdown small{grid-column:1/-1;margin-top:2px}.product-claim{padding-top:23px;margin:22px 0 25px}.product-claim>h2{font-size:var(--font-title)}.claim-steps{grid-template-columns:1fr;gap:16px;margin:19px 0 22px}.claim-steps>article{display:grid;grid-template-columns:30px minmax(0,1fr);column-gap:15px;row-gap:5px;padding-top:14px;border-top:1px solid var(--line)}.claim-steps>article>span{grid-column:1;grid-row:1/3;margin:0}.claim-steps h3{grid-column:2;margin-bottom:0}.claim-steps p{grid-column:2;}.claim-example{padding:24px}.claim-example-values{grid-template-columns:1fr;gap:0;margin:17px 0;padding:0}.claim-example-values>div{display:flex;align-items:center;justify-content:space-between;gap:19px;border-right:0;border-bottom:1px solid var(--line);padding:15px 0}.claim-example-values>div:last-child{border-bottom:0}.claim-example-values span{margin:0;max-width:55%;}.claim-example-values strong{font-size:var(--font-section);text-align:right;max-width:55%}.product-terms{padding-top:23px;margin-top:23px}.product-terms>h2{font-size:var(--font-title)}.product-terms .terms-intro{display:block;margin-bottom:20px}.terms-intro h2{font-size:var(--font-title);margin-bottom:11px}.product-terms>.disclosure>summary{padding-block:18px}
}
@media(max-width:480px){
 .fee-definitions>div{grid-template-columns:1fr;gap:6px;padding:14px 0}

 .compact-intro{padding-bottom:24px}.compact-intro h1{font-size:2rem}.cost-card .cost-value{font-size:1.625rem}.reference-note{margin:23px 0 28px;padding-left:14px}.price-faq{margin:29px 0 34px}
 .claim-summary{grid-template-columns:1fr;margin:20px 0}.claim-summary>div{display:flex;align-items:center;justify-content:space-between;gap:18px;border-right:0;border-bottom:1px solid var(--line);padding:18px}.claim-summary>div:last-child{border-bottom:0}.claim-summary span{margin:0;max-width:55%}.claim-summary strong{font-size:1.5rem;max-width:55%;text-align:right}

 .shell{width:calc(100% - 36px)}.header-inner{gap:9px}.brand{font-size:var(--font-title)}.main-nav{gap:12px}.hero-grid{padding-top:28px}.hero-copy h1{font-size:2.65rem}.actions{gap:17px}.actions .button{padding:11px 17px}
 .hero-panel{padding:21px}.risk-line{gap:14px}.product-card{padding:21px}.service-row{grid-template-columns:23px 1fr;gap:11px}.home-fees{display:block}.home-fees .text-link,.home-fees .button{margin-top:16px}.contact-panel{padding:23px 20px}.contact-panel h2{font-size:var(--font-section)}.desktop-only{display:none}
 .page-intro h1{font-size:2rem}.page-menu{gap:22px}.coverage-grid{grid-template-columns:1fr}.coverage-module>summary{gap:11px;padding:19px}.coverage-module>.details-body{padding:19px}.coverage-module>.details-body .coverage-grid{gap:26px}.page-main>.section,.page-main>section{padding-block:20px}.scenario-row{grid-template-columns:1fr;gap:7px}.scenario-row h3,.scenario-row h4{margin-bottom:5px}.detail-cta{padding:21px}.document-stack{margin-block:20px}
 .case-heading{padding:24px 20px}.case-heading h2,.case-heading h3{font-size:var(--font-title)}.case-budget{padding:24px 20px}.spend-row{flex-wrap:wrap;gap:8px}.spend-row>div{flex-basis:100%}.spend-row b{max-width:100%;text-align:left;}.spend-row p{margin-top:8px}.case-total{padding:23px}.case-total>strong{font-size:1.9rem}.case-source{margin-inline:20px}.market-reference{margin-inline:20px;padding:19px}.case-article>.case-details{margin-inline:20px}.case-claim{padding:24px 20px}.case-terms>div{padding:14px}.claim-results{display:block}.claim-results>div+div{border-left:0;padding-left:0;border-top:1px solid #cad9bb;padding-top:17px;margin-top:17px}.claim-ledger>div{gap:14px}.work-rows>div{grid-template-columns:minmax(0,1fr) 72px;gap:9px}.work-rows>div>span:first-child{grid-column:1/-1}.work-rows>div>strong{text-align:right}.provenance-rows>div{grid-template-columns:1fr;gap:3px}.case-details>.details-body{padding:17px 10px}.case-details>summary{padding-left:10px;}.case-details>summary::after{right:8px}.inputs-grid{grid-template-columns:1fr}.card-heading{align-items:flex-start}.result-card{padding:22px}.portfolio-path{grid-template-columns:1fr;gap:10px}.portfolio-path>div{padding-block:12px}.portfolio-path p{margin-bottom:0}
 .product-intro h1{font-size:2rem}.product-guide a{min-height:46px;padding:11px 8px}.product-guide a span{margin-right:6px}.answer-card{padding:20px}.answer-card h2{font-size:var(--font-title)}.product-budget{padding:20px}.budget-heading h2{font-size:var(--font-title)}.budget-breakdown>div{gap:6px 12px}.budget-breakdown>div>span{margin-bottom:0}.budget-breakdown strong{font-size:1.125rem;text-align:right}.budget-breakdown small{margin-top:2px}.product-claim>h2{font-size:var(--font-title)}.claim-steps{gap:16px}.claim-steps>article{grid-template-columns:28px minmax(0,1fr);column-gap:12px}.claim-steps>article>span{width:28px;height:28px;}.claim-example{padding:22px 20px}.claim-example-values>div{gap:13px}.claim-example-values strong{font-size:var(--font-title)}.product-terms>h2{font-size:var(--font-title)}
}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
@media print{.site-header,.page-menu,.site-footer,.button,.skip{display:none!important}body{background:white;font-size:11pt}.shell{width:100%}.page-layout{display:block}.page-aside{position:static}details{break-inside:avoid}.case-article{border:0}.case-total,.hero-panel,.result-card{background:#edf2e8;color:#183b32}.case-total strong,.result-value{color:#183b32}}