:root{
  --ink:#12283c;--ink2:#0a1b29;--blue:#176aa6;--blue2:#10517f;--green:#1e7457;
  --paper:#fff;--soft:#f6f8fa;--warm:#f5f2eb;--line:#dfe6eb;--text:#26333d;--muted:#66737e;
  --max:1180px;--radius:18px;--shadow:0 12px 30px rgba(16,39,57,.08)
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--text);line-height:1.6;background:#fff}
a{color:var(--blue)}.top{background:var(--ink2);color:#d9e4ec;font-size:.86rem}.topin,.nav,.wrap,.footin{max-width:var(--max);margin:auto}
.topin{padding:8px 22px;display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}
header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);backdrop-filter:blur(8px)}
.nav{padding:15px 22px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{text-decoration:none;color:var(--ink);font-weight:800;font-size:1.45rem;letter-spacing:-.02em}.brand span{color:var(--blue)}
.navlinks{display:flex;gap:24px;list-style:none;margin:0;padding:0;align-items:center}.navlinks a{color:#30414e;text-decoration:none;font-weight:700;font-size:.95rem}.navlinks a:hover,.navlinks a[aria-current=page]{color:var(--blue)}
.menu{display:none;border:0;background:transparent;color:var(--ink);font-size:1.7rem}.hero{background:radial-gradient(circle at 87% 18%,rgba(23,106,166,.13),transparent 30%),linear-gradient(#fff,#f7f9fb);border-bottom:1px solid var(--line)}
.hero .wrap{padding:66px 22px 60px;display:grid;grid-template-columns:minmax(0,1.08fr) minmax(340px,.92fr);gap:48px;align-items:center}
.crumb{font-size:.86rem;color:var(--muted);margin-bottom:15px}.crumb a{color:var(--muted)}
.eyebrow{display:inline-block;color:var(--blue);font-weight:800;text-transform:uppercase;letter-spacing:.07em;font-size:.78rem;margin-bottom:11px}
h1{margin:0 0 17px;color:var(--ink);font-size:clamp(2.2rem,5vw,4.2rem);line-height:1.04;letter-spacing:-.04em}.hero p{margin:0;color:#50606c;font-size:1.1rem;max-width:720px}
.answerbox{background:#fff;border:1px solid var(--line);border-radius:22px;padding:25px;box-shadow:var(--shadow)}.answerbox b{display:block;color:var(--ink);font-size:1.13rem;margin-bottom:6px}.answerbox p{font-size:.98rem}.answerbox .button{margin-top:14px}
main .wrap{padding:58px 22px}.section-head{max-width:790px;margin-bottom:28px}.section-head h2{margin:0 0 9px;color:var(--ink);font-size:clamp(1.7rem,3vw,2.35rem);line-height:1.15;letter-spacing:-.02em}.section-head p{margin:0;color:var(--muted)}
.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:17px}
.card,.qcard{background:#fff;border:1px solid var(--line);border-radius:15px;padding:22px}.qcard{text-decoration:none;color:inherit;display:block}.qcard:hover{border-color:#acc9dc;box-shadow:0 7px 18px rgba(16,39,57,.06)}
.qcard strong{display:block;color:var(--ink);line-height:1.35;margin-bottom:6px}.qcard span{display:block;color:var(--muted);font-size:.91rem}
.band{background:var(--warm);border-top:1px solid #ebe6dc;border-bottom:1px solid #ebe6dc}.button{display:inline-block;background:var(--blue);color:#fff;text-decoration:none;font-weight:800;padding:12px 17px;border-radius:10px}.button:hover{background:var(--blue2)}
.article{max-width:830px}.article .lead{font-size:1.08rem;color:#40515e}.article h2{margin:36px 0 10px;color:var(--ink);font-size:1.6rem;line-height:1.2}.article h3{margin:26px 0 8px;color:var(--ink)}.article p{margin:0 0 17px}.article ul{padding-left:22px}.article li{margin:8px 0}
.direct{background:var(--soft);border-left:4px solid var(--green);padding:18px 20px;border-radius:0 12px 12px 0;margin:20px 0 26px}.direct strong{color:var(--ink)}
.cta{margin-top:32px;background:var(--ink);color:#fff;border-radius:20px;padding:27px}.cta h2,.cta h3{color:#fff;margin-top:0}.cta p{color:#d6e1e8}.cta .button{background:#fff;color:var(--ink)}
.related{margin-top:34px;padding-top:28px;border-top:1px solid var(--line)}.related h2{font-size:1.35rem;margin-top:0}.related ul{padding-left:20px}
.filter{margin:18px 0 28px}.filter input{width:min(100%,620px);padding:13px 15px;border:1px solid #cdd8df;border-radius:10px;font:inherit}
.trust{background:var(--ink);color:#fff;border-radius:22px;padding:31px;display:grid;grid-template-columns:1.15fr .85fr;gap:35px}.trust h2{margin:0 0 10px;color:#fff}.trust p{color:#d5e0e7;margin:0}.trust dl{margin:0}.trust dt{color:#9fc5e0;font-weight:800;margin-top:11px}.trust dd{margin:2px 0 0}
footer{background:#0b1925;color:#c9d4dc}.footin{padding:43px 22px 27px}.footgrid{display:grid;grid-template-columns:1.45fr .75fr .95fr;gap:34px}footer h3{color:#fff;margin:0 0 10px;font-size:1rem}footer p,footer li{color:#aebbc5;font-size:.87rem}footer ul{list-style:none;padding:0;margin:0}footer li{margin:8px 0}footer a{color:#dce7ef;text-decoration:none}.legal{border-top:1px solid #2a3a47;margin-top:28px;padding-top:20px;color:#9eacb6;font-size:.78rem}
@media(max-width:850px){.menu{display:block}.navlinks{display:none;position:absolute;left:0;right:0;top:67px;background:#fff;border-bottom:1px solid var(--line);padding:18px 22px 22px;flex-direction:column;align-items:flex-start;gap:15px}.navlinks.open{display:flex}.hero .wrap,.grid2,.grid3,.trust,.footgrid{grid-template-columns:1fr}.hero .wrap{padding-top:44px;gap:30px}}
@media(max-width:520px){.topin{justify-content:center;text-align:center}.nav,.hero .wrap,main .wrap,.footin{padding-left:17px;padding-right:17px}.hero .wrap{padding-top:35px;padding-bottom:41px}main .wrap{padding-top:45px;padding-bottom:45px}.answerbox{padding:20px}}

.context-image{display:block;width:100%;height:auto;aspect-ratio:16/9;object-fit:cover;border-radius:14px;margin:0 0 18px;background:#eef2f5}
.answerbox.has-image{padding:16px}
.answerbox.has-image>b,.answerbox.has-image>p,.answerbox.has-image>.button{margin-left:8px;margin-right:8px}
.answerbox.has-image>p:last-child{margin-bottom:8px}


/* Quotezone disclosure popup below insurance CTAs */
.quote{display:inline-flex;flex-direction:column;align-items:flex-start;max-width:100%;position:relative}
.quote .button{margin:0}
.qz-tip{position:relative;display:flex;align-items:center;gap:5px;margin-top:7px;font-size:.76rem;line-height:1.25;color:#6b7882}
.qz-powered{font-weight:700;color:inherit}
.qz-icon{display:inline-grid;place-items:center;width:22px;height:22px;padding:0;border:1px solid #b9c5cd;border-radius:50%;background:#fff;color:#355066;font:700 14px/1 Arial,Helvetica,sans-serif;cursor:pointer}
.qz-icon:hover,.qz-icon:focus-visible{border-color:var(--blue);color:var(--blue);outline:none;box-shadow:0 0 0 3px rgba(23,106,166,.12)}
.qz-tip__bubble{display:none;position:absolute;z-index:80;left:0;top:calc(100% + 8px);width:min(360px,calc(100vw - 34px));padding:13px 14px;border:1px solid #cfd9df;border-radius:10px;background:#fff;color:#344550;font-size:.8rem;line-height:1.45;box-shadow:0 10px 28px rgba(10,27,41,.16)}
.qz-tip__bubble::before{content:"";position:absolute;left:108px;top:-7px;width:12px;height:12px;background:#fff;border-left:1px solid #cfd9df;border-top:1px solid #cfd9df;transform:rotate(45deg)}
.qz-tip.is-open .qz-tip__bubble{display:block}
.cta .qz-tip{color:#c9d6df}
.cta .qz-icon{background:transparent;border-color:#7f96a7;color:#fff}
.cta .qz-tip__bubble{color:#344550;background:#fff}
.answerbox .quote,.cta .quote{margin-top:14px}
@media(max-width:520px){.quote{width:100%}.quote .button{width:100%;text-align:center}.qz-tip__bubble{left:0;right:auto;width:min(330px,calc(100vw - 34px))}}