:root {
  --ink: #18362f;
  --ink-soft: #49625b;
  --forest: #16483b;
  --forest-deep: #0f352c;
  --sage: #dce8df;
  --sage-soft: #edf4ef;
  --cream: #fffaf4;
  --sand: #f5ecdf;
  --white: #ffffff;
  --coral: #c34b22;
  --coral-deep: #a93a18;
  --coral-soft: #f9ded2;
  --gold: #d9a441;
  --line: #dce5df;
  --shadow-sm: 0 8px 24px rgba(18, 55, 45, .08);
  --shadow-md: 0 20px 54px rgba(18, 55, 45, .12);
  --radius-sm: 14px;
  --radius-md: 24px;
  --radius-lg: 34px;
  --content: 1180px;
  --reading: 740px;
  --header-height: 78px;
  --font-navigation: Inter, ui-sans-serif, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color-scheme: light;
}

.search-page-hero{background:linear-gradient(135deg,#f0f8f4,#fff8ef);border-bottom:1px solid var(--line);padding:clamp(56px,8vw,100px) 0}.search-page-hero h1{max-width:850px;margin:.25em 0;font-size:clamp(38px,6vw,72px)}.search-page-hero>div>p{max-width:720px}.search-page-form{max-width:760px;margin-top:30px}.search-page-form>label{display:block;margin-bottom:8px;font-weight:800}.search-page-form>div{display:flex;gap:10px}.search-page-form input{min-width:0;flex:1;border:1px solid #b9ccc2;border-radius:12px;padding:14px 16px;font:inherit}.search-page-form input:focus{outline:3px solid rgba(15,106,75,.18);border-color:var(--forest)}.search-page-error{margin:9px 0 0;color:#8f2e16;font-size:.88rem;font-weight:750}.search-results{max-width:920px}.search-result-card{padding:24px 0;border-bottom:1px solid var(--line)}.search-result-card>p:first-child{margin:0;color:var(--forest);font-size:12px;font-weight:850;letter-spacing:.08em;text-transform:uppercase}.search-result-card h3{margin:7px 0;font-size:clamp(22px,3vw,30px)}.search-result-card h3 a{text-decoration:none}.search-result-card>p{color:var(--ink-soft)}.search-result-card>a{font-weight:800;color:var(--forest)}.search-page-footer{background:#10251f;color:#fff;padding:34px 0}.search-page-footer>div{display:flex;align-items:center;justify-content:space-between;gap:20px}.search-page-footer nav{display:flex;flex-wrap:wrap;gap:16px}.search-page-footer a{color:#dcece5}@media(max-width:680px){.search-page-form>div{align-items:stretch;flex-direction:column}.search-page-footer>div{align-items:flex-start;flex-direction:column}}

.search-page-hero {
  background-color: #edf3ec;
  background-image: linear-gradient(90deg, rgba(255,250,244,.99) 0%, rgba(255,250,244,.94) 48%, rgba(255,250,244,.22) 100%), url('/assets/images/editorial/insurance-overview-family-v2.webp');
  background-position: center, 68% center;
  background-repeat: no-repeat;
  background-size: cover;
}
.search-photo-story { padding: clamp(28px, 5vw, 56px) 0; background: var(--cream); }
.search-photo-story > .container { position: relative; min-height: 420px; overflow: hidden; border-radius: 26px 26px 78px 26px; background: var(--forest-deep); box-shadow: var(--shadow-md); }
.search-photo-story picture, .search-photo-story picture::after { position: absolute; inset: 0; }
.search-photo-story picture::after { background: linear-gradient(180deg, rgba(4,24,19,.02) 28%, rgba(4,24,19,.86) 100%); content: ""; }
.search-photo-story img { width: 100%; height: 100%; object-fit: cover; }
.search-photo-story .container > div { position: absolute; z-index: 1; right: clamp(24px, 5vw, 58px); bottom: clamp(24px, 5vw, 48px); left: clamp(24px, 5vw, 58px); max-width: 720px; }
.search-photo-story strong { display: block; color: var(--white); font-family: Georgia, serif; font-size: clamp(1.65rem, 4vw, 3rem); line-height: 1.08; text-wrap: balance; }

*, *::before, *::after { box-sizing: border-box; }
[hidden] { display: none !important; }

html {
  overflow-x: hidden;
  overflow-x: clip;
  scroll-behavior: smooth;
  scroll-padding-top: calc(var(--header-height) + 24px);
}

body {
  overflow-x: hidden;
  overflow-x: clip;
  margin: 0;
  color: var(--ink);
  background: var(--cream);
  font-family: var(--font-navigation);
  font-size: 16px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

/* One coherent typeface across the complete public experience. */
body,
body * {
  font-family: var(--font-navigation) !important;
}

body.nav-open { overflow: hidden; }

img { display: block; max-width: 100%; }
a { color: inherit; }
button, input, select { font: inherit; }
button { color: inherit; }

:focus-visible {
  outline: 3px solid var(--gold);
  outline-offset: 3px;
}

.skip-link {
  position: fixed;
  top: 10px;
  left: 12px;
  z-index: 999;
  padding: 10px 16px;
  border-radius: 10px;
  color: var(--white);
  background: var(--forest-deep);
  transform: translateY(-160%);
}

.skip-link:focus { transform: translateY(0); }

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.container {
  width: min(calc(100% - 40px), var(--content));
  margin-inline: auto;
}

.narrow {
  width: min(calc(100% - 40px), var(--reading));
  margin-inline: auto;
}

.section { padding: 96px 0; }
.section-sm { padding: 64px 0; }
.section-sage { background: var(--sage-soft); }
.section-white { background: var(--white); }
.section-dark { color: var(--white); background: var(--forest-deep); }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin: 0 0 14px;
  color: var(--coral-deep);
  font-size: .76rem;
  font-weight: 800;
  letter-spacing: .11em;
  line-height: 1.3;
  text-transform: uppercase;
}

.eyebrow::before {
  width: 26px;
  height: 2px;
  background: currentColor;
  content: "";
}

h1, h2, h3, h4 {
  margin: 0;
  font-family: Georgia, "Times New Roman", serif;
  font-weight: 600;
  letter-spacing: -.035em;
  line-height: 1.08;
  text-wrap: balance;
}

h1 { font-size: clamp(2.7rem, 5.5vw, 5.5rem); }
h2 { font-size: clamp(2rem, 4vw, 3.7rem); }
h3 { font-size: clamp(1.25rem, 2vw, 1.65rem); }
h4 { font-size: 1.1rem; }

p { margin: 0 0 1.15em; }
.lead { color: var(--ink-soft); font-size: clamp(1.05rem, 1.5vw, 1.23rem); line-height: 1.7; }
.muted { color: var(--ink-soft); }
.small { font-size: .88rem; }

.section-heading {
  display: flex;
  align-items: end;
  justify-content: space-between;
  gap: 32px;
  margin-bottom: 40px;
}

.section-heading > div:first-child { max-width: 760px; }
.section-heading .lead { max-width: 560px; margin: 16px 0 0; }

.text-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--forest);
  font-weight: 750;
  text-decoration: none;
}

.text-link:hover { color: var(--coral-deep); }
.text-link svg { width: 18px; height: 18px; fill: none; stroke: currentColor; stroke-width: 2; }

.btn {
  display: inline-flex;
  min-height: 50px;
  align-items: center;
  justify-content: center;
  gap: 9px;
  padding: 12px 21px;
  border: 1px solid transparent;
  border-radius: 999px;
  font-weight: 750;
  line-height: 1.2;
  text-decoration: none;
  cursor: pointer;
  transition: transform .2s ease, box-shadow .2s ease, background .2s ease;
}

.btn:hover { transform: translateY(-2px); }
.btn-primary { color: var(--white); background: var(--coral); box-shadow: 0 12px 28px rgba(200, 79, 37, .25); }
.btn-primary:hover { background: var(--coral-deep); box-shadow: 0 15px 34px rgba(200, 79, 37, .32); }
.btn-secondary { color: var(--forest); border-color: rgba(22, 72, 59, .26); background: rgba(255, 255, 255, .8); }
.btn-secondary:hover { border-color: var(--forest); background: var(--white); }
.btn-light { color: var(--forest-deep); background: var(--white); }
.btn svg { width: 19px; height: 19px; fill: none; stroke: currentColor; stroke-width: 2; }

.icon {
  width: 24px;
  height: 24px;
  fill: none;
  stroke: currentColor;
  stroke-width: 1.8;
  stroke-linecap: round;
  stroke-linejoin: round;
}

/* Header */
.utility-bar {
  color: #d8e7e1;
  background: var(--forest-deep);
  font-size: .78rem;
}

.utility-inner {
  display: flex;
  min-height: 34px;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
}

.utility-list, .utility-links, .header-actions, .main-nav-list {
  display: flex;
  align-items: center;
  gap: 18px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.utility-list li { display: flex; align-items: center; gap: 6px; }
.utility-list svg { width: 14px; height: 14px; color: #f4b497; }
.utility-links a { text-decoration: none; }
.utility-links a:hover { color: var(--white); }

.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  border-bottom: 1px solid rgba(22, 72, 59, .11);
  background: rgba(255, 250, 244, .94);
  backdrop-filter: blur(14px);
}

.header-inner {
  display: flex;
  min-height: var(--header-height);
  align-items: center;
  gap: 28px;
}

.brand {
  display: inline-flex;
  flex: 0 0 auto;
  min-height: 44px;
  align-items: center;
  gap: 10px;
  color: var(--forest-deep);
  font-family: Georgia, "Times New Roman", serif;
  font-size: 1.28rem;
  font-weight: 700;
  letter-spacing: -.035em;
  text-decoration: none;
}

.brand img { width: 38px; height: 38px; }
.brand span span { color: var(--coral); }

.main-nav { flex: 1; }
.main-nav-list { justify-content: center; gap: 3px; }
.main-nav-list > li > a,
.nav-trigger {
  display: inline-flex;
  min-height: 44px;
  align-items: center;
  gap: 5px;
  padding: 9px 11px;
  border: 0;
  border-radius: 10px;
  color: var(--ink);
  background: transparent;
  font-size: .91rem;
  font-weight: 680;
  white-space: nowrap;
  text-decoration: none;
  cursor: pointer;
}

.main-nav-list > li > a:hover,
.nav-trigger:hover,
.nav-trigger[aria-expanded="true"] { color: var(--forest); background: var(--sage); }
.nav-trigger::after { border: 4px solid transparent; border-top-color: currentColor; transform: translateY(2px); content: ""; }

.header-search, .mobile-menu-toggle {
  display: inline-grid;
  width: 44px;
  height: 44px;
  place-items: center;
  border: 1px solid var(--line);
  border-radius: 50%;
  background: var(--white);
  cursor: pointer;
}

.header-actions .btn { white-space: nowrap; }

.mobile-menu-toggle { display: none; }

.mega-menu {
  position: absolute;
  z-index: 120;
  top: 100%;
  left: 50%;
  width: min(calc(100% - 40px), var(--content));
  max-height: calc(100vh - var(--header-height) - 24px);
  overflow-y: auto;
  padding: 30px;
  border: 1px solid var(--line);
  border-radius: 0 0 var(--radius-md) var(--radius-md);
  background: var(--white);
  box-shadow: var(--shadow-md);
  opacity: 0;
  visibility: hidden;
  transform: translate(-50%, -10px);
  transition: .18s ease;
}

.has-mega.open .mega-menu {
  opacity: 1;
  visibility: visible;
  transform: translate(-50%, 0);
}

.mega-grid { display: grid; grid-template-columns: 1.1fr 1.1fr .8fr; gap: 28px; }
.mega-title { margin-bottom: 12px; color: var(--ink-soft); font-size: .74rem; font-weight: 800; letter-spacing: .09em; text-transform: uppercase; }
.mega-links { display: grid; grid-template-columns: 1fr 1fr; gap: 2px 14px; margin: 0; padding: 0; list-style: none; }
.mega-links a { display: flex; min-height: 40px; align-items: center; padding: 7px 8px; border-radius: 8px; font-size: .87rem; text-decoration: none; }
.mega-links a:hover { color: var(--coral-deep); background: var(--cream); }
.mega-feature { padding: 22px; border-radius: 18px; color: var(--white); background: var(--forest); }
.mega-feature h3 { margin-bottom: 10px; }
.mega-feature p { color: #d6e6e0; font-size: .88rem; }
.mega-feature .btn { width: 100%; justify-content: center; }
.mega-feature-link { display: inline-flex; min-height: 44px; align-items: center; margin-top: 10px; color: var(--white); font-size: .82rem; font-weight: 750; text-decoration: none; }
.mega-feature-link:hover { color: #fff3ec; text-decoration: underline; text-underline-offset: 3px; }

/* Hero */
.hero {
  position: relative;
  overflow: hidden;
  min-height: 690px;
  background: #e8ded0;
}

.hero-media, .hero-media::after {
  position: absolute;
  inset: 0;
}

.hero-media img { width: 100%; height: 100%; object-fit: cover; object-position: center; }
.hero-media::after {
  background: linear-gradient(90deg, rgba(255,250,244,.99) 0%, rgba(255,250,244,.96) 30%, rgba(255,250,244,.56) 48%, rgba(255,250,244,.03) 72%);
  content: "";
}

.hero-inner {
  position: relative;
  z-index: 1;
  display: flex;
  min-height: 690px;
  align-items: center;
  padding-block: 70px 100px;
}

.hero-copy { width: min(680px, 59%); }
.hero h1 { max-width: 670px; }
.hero h1 em { color: var(--coral-deep); font-style: normal; }
.hero .lead { max-width: 580px; margin: 24px 0 30px; color: #38564e; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; }
.hero-trust { display: flex; flex-wrap: wrap; gap: 18px; margin: 28px 0 0; padding: 0; color: var(--ink-soft); font-size: .85rem; list-style: none; }
.hero-trust li { display: flex; align-items: center; gap: 6px; }
.hero-trust svg { width: 17px; height: 17px; color: var(--coral); }
.home-hero-card { position: absolute; z-index: 5; right: max(24px, calc((100vw - var(--content)) / 2)); bottom: 38px; display: grid; width: min(330px, calc(100% - 48px)); gap: 9px; padding: 22px; border: 1px solid rgba(255,255,255,.35); border-radius: 22px; color: #fffaf4; background: rgba(9,43,35,.8); box-shadow: 0 24px 70px rgba(6,31,25,.28); backdrop-filter: blur(15px); }
.home-hero-card > span { color: #ffb899; font-size: .66rem; font-weight: 820; letter-spacing: .09em; text-transform: uppercase; }
.home-hero-card > strong { font-family: Georgia, serif; font-size: 1.12rem; line-height: 1.25; }
.home-hero-card a { color: #fffaf4; font-size: .8rem; font-weight: 820; text-decoration: none; }
.home-hero-card small { color: #c7dcd4; font-size: .65rem; }

.proof-strip {
  position: relative;
  z-index: 4;
  margin-top: -38px;
}

.proof-inner {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  overflow: hidden;
  border: 1px solid rgba(22, 72, 59, .12);
  border-radius: var(--radius-md);
  background: var(--white);
  box-shadow: var(--shadow-md);
}

.proof-item { position: relative; padding: 24px 26px; }
.proof-item + .proof-item::before { position: absolute; top: 25%; bottom: 25%; left: 0; width: 1px; background: var(--line); content: ""; }
.proof-label { display: block; margin-bottom: 2px; color: var(--coral-deep); font-size: .73rem; font-weight: 800; letter-spacing: .07em; text-transform: uppercase; }
.proof-value { font-family: Georgia, serif; font-size: 1.15rem; font-weight: 700; }

/* Cards and grids */
.card-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.insurance-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }

.insurance-card,
.content-card,
.tool-card,
.trust-card {
  position: relative;
  border: 1px solid rgba(22, 72, 59, .11);
  border-radius: var(--radius-md);
  background: var(--white);
  box-shadow: 0 5px 18px rgba(18, 55, 45, .045);
}

.insurance-card {
  display: flex;
  min-height: 210px;
  flex-direction: column;
  padding: 24px;
  text-decoration: none;
  transition: transform .22s ease, box-shadow .22s ease, border-color .22s ease;
}

.insurance-card:hover { border-color: #bacfc2; box-shadow: var(--shadow-sm); transform: translateY(-5px); }
.insurance-card .card-icon, .tool-card .card-icon, .trust-card .card-icon {
  display: grid;
  width: 48px;
  height: 48px;
  margin-bottom: 25px;
  place-items: center;
  border-radius: 15px;
  color: var(--forest);
  background: var(--sage);
}

.insurance-card:nth-child(3n+2) .card-icon { color: #99401f; background: var(--coral-soft); }
.insurance-card:nth-child(3n+3) .card-icon { color: #765719; background: #f8edcd; }
.insurance-card h3 { margin-bottom: 8px; font-size: 1.17rem; }
.insurance-card p { margin: 0; color: var(--ink-soft); font-size: .88rem; line-height: 1.55; }
.insurance-card .card-arrow { position: absolute; top: 26px; right: 24px; width: 25px; height: 25px; color: var(--coral); }

.finder-shell {
  display: grid;
  grid-template-columns: .85fr 1.15fr;
  overflow: hidden;
  border-radius: var(--radius-lg);
  background: var(--forest-deep);
  box-shadow: var(--shadow-md);
}

.finder-intro { padding: clamp(36px, 6vw, 68px); color: var(--white); }
.finder-intro .eyebrow { color: #f2a582; }
.finder-intro .lead { margin-top: 20px; color: #d0e1da; }
.finder-note { display: flex; gap: 10px; margin-top: 30px; color: #b8d0c6; font-size: .82rem; }
.finder-note svg { flex: 0 0 auto; }

.finder-principles { display: grid; gap: 11px; margin: 26px 0 0; padding: 0; color: #d8e8e1; font-size: .87rem; list-style: none; }
.finder-principles li { display: flex; align-items: start; gap: 9px; }
.finder-principles svg { flex: 0 0 auto; width: 19px; height: 19px; color: #f2a582; }

.finder-panel { margin: 12px; padding: clamp(28px, 5vw, 52px); border-radius: 26px; background: var(--white); }
.finder-step { display: flex; align-items: center; justify-content: space-between; gap: 16px; margin-bottom: 23px; }
.finder-step span { color: var(--coral-deep); font-size: .78rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
.finder-step small { color: var(--ink-soft); }
.finder-step { margin-bottom: 10px; }
.finder-progress-track { overflow: hidden; height: 7px; margin-bottom: 28px; border-radius: 99px; background: var(--sage); }
.finder-progress-track span { display: block; width: 20%; height: 100%; border-radius: inherit; background: var(--coral); transition: width .22s ease; }
.finder-page { min-width: 0; margin: 0; padding: 0; border: 0; }
.finder-page[hidden], .finder-result[hidden] { display: none; }
.finder-page legend { width: 100%; margin: 0 0 8px; padding: 0; font-family: Georgia, "Times New Roman", serif; font-size: clamp(1.45rem, 2.5vw, 1.9rem); font-weight: 600; letter-spacing: -.025em; line-height: 1.15; }
.finder-help { margin-bottom: 20px; color: var(--ink-soft); font-size: .86rem; }
.finder-options { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.finder-option { position: relative; cursor: pointer; }
.finder-option input { position: absolute; width: 1px; height: 1px; opacity: 0; }
.finder-option > span { display: grid; min-height: 88px; grid-template-columns: auto 1fr; grid-template-rows: auto auto; align-content: center; gap: 2px 12px; padding: 14px 15px; border: 1px solid var(--line); border-radius: var(--radius-sm); background: var(--white); transition: border-color .18s ease, background .18s ease, box-shadow .18s ease; }
.finder-option .icon { grid-row: 1 / 3; align-self: center; width: 24px; height: 24px; color: var(--coral-deep); }
.finder-option strong { align-self: end; font-size: .92rem; line-height: 1.3; }
.finder-option small { color: var(--ink-soft); font-size: .72rem; line-height: 1.35; }
.finder-option:hover > span { border-color: #a8c1b2; background: var(--sage-soft); }
.finder-option input:focus-visible + span { outline: 3px solid var(--gold); outline-offset: 2px; }
.finder-option input:checked + span { border-color: var(--forest); background: var(--sage-soft); box-shadow: inset 0 0 0 1px var(--forest); }
.finder-option input:checked + span::after { position: absolute; top: 10px; right: 11px; display: grid; width: 19px; height: 19px; place-items: center; border-radius: 50%; color: var(--white); background: var(--forest); font-size: .72rem; content: "✓"; }
.finder-options-compact .finder-option > span { min-height: 70px; grid-template-rows: 1fr; }
.finder-options-compact .finder-option .icon { grid-row: 1; }
.finder-actions { display: flex; justify-content: space-between; gap: 10px; margin-top: 24px; }
.finder-actions [data-finder-next], .finder-actions [data-finder-submit] { margin-left: auto; }
.finder-error { margin: 15px 0 0; padding: 10px 13px; border-left: 3px solid var(--coral); color: #7d2a12; background: var(--coral-soft); font-size: .82rem; }
.finder-result { padding: 0; }
.finder-result.visible { display: block; }
.finder-result-head { display: flex; align-items: start; justify-content: space-between; gap: 20px; margin-bottom: 18px; }
.result-kicker { display: block; margin-bottom: 7px; color: var(--coral-deep); font-size: .7rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
.finder-result h3 { font-size: 1.55rem; }
.finder-reset { padding: 6px 0; border: 0; background: transparent; cursor: pointer; white-space: nowrap; }
.result-boundary { display: flex; gap: 12px; margin-bottom: 18px; padding: 15px; border-radius: 14px; background: #fff5dc; }
.result-boundary svg { flex: 0 0 auto; width: 22px; height: 22px; color: #825d12; }
.result-boundary p { margin: 0; color: #5d481b; font-size: .77rem; line-height: 1.55; }
.finder-result-grid { display: grid; gap: 10px; }
.result-card { padding: 16px 17px; border: 1px solid var(--line); border-radius: 15px; background: var(--white); }
.result-card-head { display: flex; align-items: center; justify-content: space-between; gap: 14px; margin-bottom: 5px; }
.result-card h4 { font-family: inherit; font-size: .94rem; font-weight: 800; letter-spacing: 0; }
.result-level { flex: 0 0 auto; padding: 4px 7px; border-radius: 99px; color: var(--forest); background: var(--sage); font-size: .61rem; font-weight: 800; letter-spacing: .05em; text-transform: uppercase; }
.result-level.optional { color: #765719; background: #f8edcd; }
.result-card p { margin: 0; color: var(--ink-soft); font-size: .78rem; line-height: 1.5; }
.result-card a { display: inline-flex; margin-top: 7px; color: var(--coral-deep); font-size: .75rem; font-weight: 800; text-decoration: none; }
.finder-privacy { margin: 16px 0 0; color: var(--ink-soft); font-size: .7rem; }

.content-card { overflow: hidden; }
.content-card-body { padding: 25px; }
.content-card .tag { display: inline-block; margin-bottom: 13px; color: var(--coral-deep); font-size: .72rem; font-weight: 800; letter-spacing: .07em; text-transform: uppercase; }
.content-card h3 { margin-bottom: 12px; }
.content-card p { color: var(--ink-soft); font-size: .92rem; }
.content-card-meta { display: flex; gap: 15px; padding-top: 16px; border-top: 1px solid var(--line); color: var(--ink-soft); font-size: .78rem; }
.content-card-meta span { display: flex; align-items: center; gap: 5px; }
.content-card-meta svg { width: 15px; height: 15px; }
.content-card-accent { height: 8px; background: linear-gradient(90deg, var(--coral), #f0ad78); }

.tool-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.tool-card { padding: 30px; }
.tool-card h3 { margin-bottom: 10px; }
.tool-card p { color: var(--ink-soft); }
.tool-card .card-icon { margin-bottom: 22px; }

.editorial-grid { display: grid; grid-template-columns: 1fr 1fr; align-items: center; gap: clamp(42px, 8vw, 100px); }
.editorial-visual { position: relative; min-height: 520px; border-radius: var(--radius-lg); background: var(--sage); }
.editorial-visual::before, .editorial-visual::after { position: absolute; border-radius: 50%; content: ""; }
.editorial-visual::before { top: 9%; right: 11%; width: 170px; height: 170px; background: var(--coral-soft); }
.editorial-visual::after { bottom: 7%; left: 9%; width: 125px; height: 125px; background: #f7e9bd; }
.editorial-paper { position: absolute; z-index: 1; top: 13%; right: 12%; bottom: 13%; left: 12%; padding: 38px; border-radius: 24px; background: var(--white); box-shadow: var(--shadow-md); transform: rotate(-2.5deg); }
.paper-mark { display: grid; width: 52px; height: 52px; margin-bottom: 28px; place-items: center; border-radius: 50%; color: var(--white); background: var(--coral); }
.paper-lines span { display: block; height: 8px; margin: 11px 0; border-radius: 9px; background: var(--sage); }
.paper-lines span:nth-child(2) { width: 75%; }
.paper-lines span:nth-child(4) { width: 88%; }
.paper-sign { margin-top: 32px; color: var(--forest); font-family: Georgia, serif; font-size: 1.25rem; font-style: italic; }
.editorial-copy .lead { margin: 20px 0 27px; }
.check-list { display: grid; gap: 14px; margin: 0 0 30px; padding: 0; list-style: none; }
.check-list li { display: flex; align-items: start; gap: 11px; }
.check-list svg { flex: 0 0 auto; width: 22px; height: 22px; padding: 4px; border-radius: 50%; color: var(--white); background: var(--coral); }

.trust-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
.trust-card { padding: 25px; }
.trust-card .card-icon { margin-bottom: 18px; }
.trust-card p { margin: 8px 0 0; color: var(--ink-soft); font-size: .88rem; }

.newsletter {
  display: grid;
  grid-template-columns: 1fr auto;
  align-items: center;
  gap: 35px;
  padding: clamp(34px, 6vw, 60px);
  border-radius: var(--radius-lg);
  color: var(--white);
  background: var(--coral);
}
.newsletter p { max-width: 600px; margin: 12px 0 0; color: #fff3ec; }

/* Article */
.breadcrumbs { padding: 18px 0; color: var(--ink-soft); font-size: .78rem; }
.breadcrumbs ol { display: flex; flex-wrap: wrap; gap: 7px; margin: 0; padding: 0; list-style: none; }
.breadcrumbs li:not(:last-child)::after { margin-left: 7px; color: #92a39e; content: "/"; }
.breadcrumbs a { text-decoration: none; }

.article-hero { padding: 66px 0 54px; background: linear-gradient(135deg, var(--sage-soft), var(--cream) 65%); }
.article-hero-inner { display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(300px, .9fr); align-items: center; gap: 65px; }
.article-hero h1 { font-size: clamp(2.7rem, 5vw, 4.8rem); }
.article-hero .lead { margin: 23px 0; }
.article-meta { display: flex; flex-wrap: wrap; gap: 10px 20px; margin-top: 28px; color: var(--ink-soft); font-size: .83rem; }
.article-meta span { display: flex; align-items: center; gap: 6px; }
.article-meta svg { width: 16px; height: 16px; color: var(--coral); }
.article-summary { padding: 30px; border: 1px solid #cfddd3; border-radius: var(--radius-md); background: rgba(255,255,255,.75); box-shadow: var(--shadow-sm); }
.article-summary h2 { margin-bottom: 18px; font-size: 1.5rem; }
.article-summary ul { display: grid; gap: 12px; margin: 0; padding: 0; list-style: none; }
.article-summary li { display: flex; gap: 10px; font-size: .93rem; }
.article-summary svg { flex: 0 0 auto; width: 20px; height: 20px; color: var(--coral); }

.article-layout { display: grid; grid-template-columns: 220px minmax(0, 740px) 180px; justify-content: center; gap: 42px; padding: 64px 0 96px; }
.toc { position: sticky; top: calc(var(--header-height) + 24px); align-self: start; max-height: calc(100vh - var(--header-height) - 50px); overflow: auto; }
.toc strong { display: block; margin-bottom: 13px; font-size: .78rem; letter-spacing: .07em; text-transform: uppercase; }
.toc ol { display: grid; gap: 3px; margin: 0; padding: 0; list-style: none; }
.toc a { display: block; padding: 6px 9px; border-left: 2px solid var(--line); color: var(--ink-soft); font-size: .8rem; line-height: 1.35; text-decoration: none; }
.toc a:hover { border-color: var(--coral); color: var(--ink); }

.article-content { min-width: 0; }
.article-content > h2 { margin: 2em 0 .65em; font-size: clamp(1.8rem, 3vw, 2.55rem); }
.article-content > h2:first-child { margin-top: 0; }
.article-content h3 { margin: 1.65em 0 .55em; }
.article-content p, .article-content li { color: #2f4a43; }
.article-content a { color: var(--coral-deep); text-decoration-thickness: 1px; text-underline-offset: 3px; }
.article-content ul, .article-content ol { padding-left: 1.3em; }
.article-content li { margin-bottom: .55em; }
.article-content table { width: 100%; margin: 30px 0; border-collapse: collapse; border-radius: 16px; overflow: hidden; font-size: .9rem; box-shadow: 0 0 0 1px var(--line); }
.article-content th { color: var(--white); background: var(--forest); text-align: left; }
.article-content th, .article-content td { padding: 14px 16px; border-bottom: 1px solid var(--line); vertical-align: top; }
.article-content tr:last-child td { border: 0; }
.article-content tbody tr:nth-child(even) { background: var(--sage-soft); }

.info-box, .warning-box, .example-box, .quote-box { margin: 30px 0; padding: 24px 26px; border-radius: 18px; }
.info-box { border-left: 4px solid var(--forest); background: var(--sage-soft); }
.warning-box { border-left: 4px solid var(--gold); background: #fff6df; }
.example-box { border-left: 4px solid var(--coral); background: #fff0e9; }
.quote-box { color: var(--white); background: var(--forest); }
.info-box strong, .warning-box strong, .example-box strong { display: block; margin-bottom: 5px; }
.info-box p:last-child, .warning-box p:last-child, .example-box p:last-child, .quote-box p:last-child { margin-bottom: 0; }

.side-note { position: sticky; top: calc(var(--header-height) + 24px); align-self: start; }
.side-note-inner { padding: 18px; border: 1px solid var(--line); border-radius: 16px; background: var(--white); }
.side-note strong { display: block; margin-bottom: 6px; font-size: .9rem; }
.side-note p { margin: 0; color: var(--ink-soft); font-size: .76rem; }

.faq-list { margin-top: 25px; border-top: 1px solid var(--line); }
.faq-item { border-bottom: 1px solid var(--line); }
.faq-question { display: flex; width: 100%; justify-content: space-between; gap: 20px; padding: 20px 0; border: 0; background: transparent; font-weight: 750; text-align: left; cursor: pointer; }
.faq-question::after { flex: 0 0 auto; color: var(--coral); font-size: 1.5rem; font-weight: 400; line-height: 1; content: "+"; }
.faq-question[aria-expanded="true"]::after { content: "−"; }
.faq-answer { display: grid; grid-template-rows: 0fr; transition: grid-template-rows .2s ease; }
.faq-answer > div { overflow: hidden; }
.faq-question[aria-expanded="true"] + .faq-answer { grid-template-rows: 1fr; }
.faq-answer p { padding: 0 25px 20px 0; }

.author-box { display: grid; grid-template-columns: auto 1fr; gap: 18px; margin-top: 55px; padding: 28px; border-radius: var(--radius-md); background: var(--sage-soft); }
.author-avatar { display: grid; width: 62px; height: 62px; place-items: center; border-radius: 50%; color: var(--white); background: var(--forest); font-family: Georgia, serif; font-size: 1.3rem; }
.author-box p { margin: 7px 0 0; font-size: .88rem; }

/* Search */
.search-overlay {
  position: fixed;
  z-index: 300;
  inset: 0;
  display: grid;
  padding: 20px;
  place-items: start center;
  background: rgba(7, 30, 24, .78);
  opacity: 0;
  visibility: hidden;
  transition: .2s ease;
}
.search-overlay.open { opacity: 1; visibility: visible; }
.search-dialog { width: min(100%, 680px); margin-top: 11vh; padding: 28px; border-radius: 24px; background: var(--white); box-shadow: var(--shadow-md); transform: translateY(-15px); transition: .2s ease; }
.search-overlay.open .search-dialog { transform: translateY(0); }
.search-dialog-head { display: flex; align-items: center; justify-content: space-between; margin-bottom: 18px; }
.search-dialog-head h2 { font-size: 1.5rem; }
.search-close { display: grid; width: 39px; height: 39px; place-items: center; border: 0; border-radius: 50%; background: var(--sage-soft); cursor: pointer; }
.search-field { position: relative; display: flex; align-items: center; gap: 10px; padding: 4px 5px 4px 16px; border: 2px solid var(--forest); border-radius: 999px; }
.search-field input { width: 100%; min-height: 46px; border: 0; outline: 0; background: transparent; }
.search-suggestions { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 18px; }
.search-suggestions a { padding: 7px 11px; border-radius: 99px; color: var(--ink-soft); background: var(--sage-soft); font-size: .8rem; text-decoration: none; }
.search-dialog-hint { margin: 13px 4px 0; color: var(--ink-soft); font-size: .72rem; }
.search-autocomplete-panel { position: absolute; z-index: 20; top: calc(100% + 10px); right: 0; left: 0; overflow: hidden; border: 1px solid #c9d8d1; border-radius: 18px; background: var(--white); box-shadow: 0 18px 45px rgba(7, 37, 29, .18); }
.search-autocomplete-panel[hidden] { display: none; }
.search-autocomplete-head { display: flex; align-items: center; justify-content: space-between; gap: 18px; padding: 13px 16px 11px; border-bottom: 1px solid var(--line); background: #f4f8f5; }
.search-autocomplete-head strong { color: var(--forest); font-size: .72rem; letter-spacing: .04em; }
.search-autocomplete-head span { flex: 0 0 auto; color: var(--ink-soft); font-size: .67rem; }
.search-autocomplete-list { max-height: min(48vh, 410px); overflow-y: auto; margin: 0; padding: 7px; list-style: none; overscroll-behavior: contain; }
.search-autocomplete-list li + li { border-top: 1px solid #edf1ee; }
.search-autocomplete-list a { display: flex; min-height: 56px; align-items: center; justify-content: space-between; gap: 18px; padding: 10px 11px; border-radius: 11px; color: var(--ink); text-decoration: none; transition: color .16s ease, background .16s ease, transform .16s ease; }
.search-autocomplete-list a:hover, .search-autocomplete-list a[aria-selected="true"] { color: var(--forest); background: var(--sage-soft); transform: translateX(2px); }
.search-autocomplete-list a > span:first-child { display: grid; min-width: 0; gap: 2px; }
.search-autocomplete-list strong { font-size: .86rem; line-height: 1.25; }
.search-autocomplete-list small { color: var(--ink-soft); font-size: .66rem; }
.search-autocomplete-arrow { flex: 0 0 auto; display: grid; width: 29px; height: 29px; place-items: center; border-radius: 50%; color: var(--forest); background: #e5f0eb; font-weight: 850; }
.search-autocomplete-empty { padding: 19px 13px; color: var(--ink-soft); font-size: .78rem; }
.search-page-form { position: relative; z-index: 20; }
.search-page-form .search-autocomplete-panel { top: calc(100% + 8px); }

/* Footer */
.site-footer { position: relative; overflow: hidden; padding-top: 76px; color: #d3e1dc; background: #0b2b24; }
.site-footer::before { position: absolute; top: -330px; right: -260px; width: 720px; height: 720px; border: 1px solid rgba(255,255,255,.055); border-radius: 50%; box-shadow: 0 0 0 100px rgba(255,255,255,.018), 0 0 0 200px rgba(255,255,255,.012); content: ""; pointer-events: none; }
.site-footer > .container { position: relative; z-index: 1; }
.footer-lead { display: grid; grid-template-columns: minmax(0, 1fr) auto; align-items: end; gap: 60px; padding-bottom: 55px; border-bottom: 1px solid rgba(255,255,255,.12); }
.footer-brand { color: var(--white); }
.footer-about h2 { max-width: 700px; margin-top: 27px; color: var(--white); font-size: clamp(2rem, 4vw, 3.45rem); line-height: 1; }
.footer-about p { max-width: 700px; margin-top: 18px; color: #aec5bc; font-size: .9rem; }
.footer-lead-actions { display: flex; min-width: 250px; align-items: center; flex-direction: column; gap: 14px; }
.footer-lead-actions .btn { width: 100%; color: var(--white); }
.footer-text-link { color: #f3c6b2; font-size: .77rem; font-weight: 800; text-decoration: none; }
.footer-text-link:hover { color: var(--white); }
.footer-insurance-directory { padding: 58px 0 62px; border-bottom: 1px solid rgba(255,255,255,.12); }
.footer-directory-head { display: grid; grid-template-columns: minmax(0, 1fr) minmax(300px, .62fr); align-items: end; gap: 54px; margin-bottom: 32px; }
.footer-directory-head span { display: block; margin-bottom: 9px; color: #f3a584; font-size: .67rem; font-weight: 850; letter-spacing: .1em; text-transform: uppercase; }
.footer-directory-head h2 { color: var(--white); font-size: clamp(1.8rem, 3.5vw, 2.75rem); }
.footer-directory-head p { margin: 0; color: #9fb9af; font-size: .8rem; }
.footer-topic-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 12px; }
.footer-topic-group { padding: 23px 22px; border: 1px solid rgba(255,255,255,.095); border-radius: 17px; background: rgba(255,255,255,.035); transition: border-color .2s ease, background .2s ease, transform .2s ease; }
.footer-topic-group:hover { border-color: rgba(243,165,132,.32); background: rgba(255,255,255,.055); transform: translateY(-2px); }
.footer-topic-group h3 { margin: 0 0 15px; color: #f6ded3; font-family: inherit; font-size: .68rem; font-weight: 850; letter-spacing: .075em; text-transform: uppercase; }
.footer-topic-group ul { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 8px 18px; margin: 0; padding: 0; list-style: none; }
.footer-topic-link { display: inline-flex; color: #b7ccc4; font-size: .77rem; line-height: 1.35; text-decoration: none; }
.footer-topic-link:hover { color: var(--white); text-decoration: underline; text-decoration-color: var(--coral); text-underline-offset: 4px; }
.footer-resource-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 42px; padding: 58px 0 8px; }
.footer-title { margin-bottom: 16px; color: var(--white); font-family: inherit; font-size: .78rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
.footer-links { display: grid; gap: 9px; margin: 0; padding: 0; list-style: none; }
.footer-links a { color: #aec5bc; font-size: .87rem; text-decoration: none; }
.footer-links a:hover { color: var(--white); }
.footer-bottom { display: flex; align-items: center; justify-content: space-between; gap: 25px; margin-top: 58px; padding: 24px 0; border-top: 1px solid rgba(255,255,255,.1); color: #89a79c; font-size: .76rem; }
.footer-bottom-links { display: flex; flex-wrap: wrap; gap: 17px; }
.footer-bottom a { color: #9db8ae; text-decoration: none; }
.footer-bottom a:hover { color: var(--white); }

/* Legal and simple pages */
.page-hero { padding: 74px 0 56px; background: var(--sage-soft); }
.page-hero h1 { max-width: 880px; font-size: clamp(2.6rem, 5vw, 4.5rem); }
.page-hero .lead { max-width: 750px; margin-top: 20px; }
.institutional-hero { position: relative; isolation: isolate; display: flex; min-height: 690px; align-items: center; overflow: hidden; padding: 74px 0 94px; border-bottom: 1px solid rgba(22,72,59,.14); background: radial-gradient(circle at 10% 8%, rgba(255,255,255,.9) 0 12%, transparent 12.2%), radial-gradient(circle at 85% 82%, rgba(195,75,34,.11) 0 17%, transparent 17.2%), linear-gradient(125deg, #fffaf4 0%, #f4f4ec 55%, #dfebe3 100%); }
.institutional-hero::before { position: absolute; z-index: -1; top: -210px; left: -190px; width: 590px; height: 590px; border: 1px solid rgba(22,72,59,.08); border-radius: 50%; box-shadow: 0 0 0 76px rgba(22,72,59,.025), 0 0 0 152px rgba(22,72,59,.018); content: ""; }
.institutional-hero::after { position: absolute; z-index: -1; top: 9%; right: 3%; width: min(42vw, 610px); height: 80%; border: 1px solid rgba(22,72,59,.07); border-radius: 48% 48% 16% 48%; background-image: repeating-linear-gradient(90deg, transparent 0 32px, rgba(22,72,59,.025) 32px 33px); content: ""; transform: rotate(3deg); }
.institutional-hero-grid { display: grid; grid-template-columns: minmax(0, 1.08fr) minmax(390px, .82fr); align-items: center; gap: clamp(42px, 5vw, 78px); }
.institutional-hero-copy { position: relative; z-index: 2; min-width: 0; max-width: 740px; }
.institutional-hero h1 { max-width: 760px; overflow-wrap: break-word; word-break: normal; hyphens: none; font-size: clamp(2.75rem, 4.7vw, 4.95rem); line-height: .98; text-wrap: balance; }
.institutional-hero .lead { max-width: 690px; margin-top: 24px; color: #304a43; font-size: clamp(1.04rem, 1.45vw, 1.2rem); line-height: 1.7; }
.institutional-hero-actions .btn-primary { box-shadow: 0 16px 34px rgba(195,75,34,.2); }
.institutional-proof { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 8px; max-width: 680px; margin: 24px 0 0; padding: 0; list-style: none; }
.institutional-proof li { min-width: 0; padding: 13px 14px; border: 1px solid rgba(22,72,59,.11); border-radius: 13px; background: rgba(255,255,255,.64); }
.institutional-proof strong, .institutional-proof span { display: block; overflow-wrap: anywhere; }
.institutional-proof strong { color: var(--forest); font-family: Georgia, serif; font-size: .87rem; line-height: 1.2; }
.institutional-proof span { margin-top: 5px; color: var(--ink-soft); font-size: .68rem; font-weight: 720; line-height: 1.3; }
.institutional-hero-panel { position: relative; isolation: isolate; min-height: 500px; overflow: hidden; padding: 43px 42px 38px; border: 1px solid rgba(255,255,255,.5); border-radius: 34px 34px 100px 34px; color: var(--white); background: linear-gradient(145deg, #16483b 0%, #0c352c 74%, #08281f 100%); box-shadow: 0 38px 96px rgba(12,45,37,.23), 0 0 0 8px rgba(255,255,255,.38); }
.institutional-hero-panel::after { position: absolute; z-index: -1; right: -90px; bottom: -120px; width: 310px; height: 310px; border: 42px solid rgba(255,255,255,.055); border-radius: 50%; content: ""; }
.institutional-panel-kicker { display: block; margin-bottom: 17px; color: #ffb99b; font-size: .67rem; font-weight: 820; letter-spacing: .1em; text-transform: uppercase; }
.institutional-hero-panel h2 { max-width: 390px; color: var(--white); font-size: clamp(2rem, 3.2vw, 3.15rem); line-height: 1.04; text-wrap: balance; }
.institutional-hero-panel > p { max-width: 410px; margin: 18px 0 27px; color: #cfe0d9; font-size: .9rem; }
.institutional-hero-panel ol { display: grid; gap: 1px; overflow: hidden; margin: 0; padding: 0; border: 1px solid rgba(255,255,255,.13); border-radius: 16px; background: rgba(255,255,255,.13); list-style: none; }
.institutional-hero-panel li { display: grid; grid-template-columns: 34px 1fr; align-items: center; gap: 12px; padding: 14px 16px; background: rgba(8,40,32,.74); }
.institutional-hero-panel li span { display: grid; width: 30px; height: 30px; place-items: center; border-radius: 50%; color: #173f34; background: #f8c2a8; font-family: Georgia, serif; font-size: .68rem; }
.institutional-hero-panel li strong { color: #f7fbf8; font-family: Georgia, serif; font-size: .92rem; font-weight: 600; }
.institutional-hero-panel > a { display: inline-flex; margin-top: 24px; color: #ffb99b; font-size: .8rem; font-weight: 800; text-decoration: none; }
.institutional-hero-panel > a:hover { color: var(--white); }
.error-hero { position: relative; isolation: isolate; display: flex; min-height: 720px; align-items: center; overflow: hidden; padding: 76px 0 100px; border-bottom: 1px solid rgba(22,72,59,.14); background: radial-gradient(circle at 85% 18%, rgba(195,75,34,.13) 0 12%, transparent 12.2%), linear-gradient(125deg, #fffaf4 0%, #f4f5ee 55%, #dfece4 100%); }
.error-hero::before { position: absolute; z-index: -1; top: -170px; left: -150px; width: 520px; height: 520px; border: 1px solid rgba(22,72,59,.08); border-radius: 50%; box-shadow: 0 0 0 70px rgba(22,72,59,.025), 0 0 0 140px rgba(22,72,59,.018); content: ""; }
.error-hero-grid { display: grid; grid-template-columns: minmax(0, 1.05fr) minmax(360px, .75fr); align-items: center; gap: clamp(44px, 6vw, 90px); }
.error-hero h1 { max-width: 780px; font-size: clamp(2.9rem, 5.3vw, 5.45rem); line-height: .96; text-wrap: balance; }
.error-hero .lead { max-width: 690px; margin-top: 24px; color: #304a43; font-size: clamp(1.04rem, 1.5vw, 1.2rem); line-height: 1.7; }
.error-hero-panel { position: relative; overflow: hidden; padding: 40px; border-radius: 32px 32px 92px 32px; color: var(--white); background: linear-gradient(145deg, #16483b, #08291f); box-shadow: 0 38px 94px rgba(12,45,37,.23), 0 0 0 8px rgba(255,255,255,.4); }
.error-hero-panel::after { position: absolute; right: -75px; bottom: -95px; width: 240px; height: 240px; border: 34px solid rgba(255,255,255,.055); border-radius: 50%; content: ""; }
.error-hero-panel > span { color: #ffb99b; font-size: .67rem; font-weight: 820; letter-spacing: .1em; text-transform: uppercase; }
.error-hero-panel h2 { margin: 13px 0 24px; color: var(--white); font-size: clamp(2rem, 3.2vw, 3rem); line-height: 1.05; }
.error-hero-panel nav { position: relative; z-index: 1; display: grid; gap: 8px; }
.error-hero-panel a { display: grid; grid-template-columns: 1fr auto; gap: 4px 15px; padding: 16px 17px; border: 1px solid rgba(255,255,255,.13); border-radius: 14px; color: var(--white); background: rgba(255,255,255,.06); text-decoration: none; }
.error-hero-panel a::after { grid-row: 1 / 3; grid-column: 2; align-self: center; color: #ffb99b; content: "→"; }
.error-hero-panel a:hover { border-color: rgba(255,255,255,.3); background: rgba(255,255,255,.1); }
.error-hero-panel strong { font-family: Georgia, serif; font-size: 1rem; }
.error-hero-panel small { color: #bfd4cb; font-size: .72rem; }
.legal-content { padding: 64px 0 96px; }
.legal-content h2 { margin: 1.8em 0 .5em; font-size: 1.8rem; }
.legal-content h2:first-child { margin-top: 0; }
.legal-content h3 { margin: 1.5em 0 .4em; font-size: 1.25rem; }
.placeholder-note { padding: 20px; border: 2px dashed var(--gold); border-radius: 14px; background: #fff8e7; }
.legal-highlight, .legal-address { margin: 24px 0; padding: 24px 26px; border-radius: 18px; }
.legal-highlight { border: 1px solid rgba(236,116,72,.32); background: linear-gradient(135deg, #fff4ed, #fffaf6); box-shadow: 0 14px 34px rgba(32,74,61,.08); }
.legal-highlight > strong { display: block; color: var(--forest); font-size: 1.12rem; }
.legal-highlight p:last-child, .legal-address p:last-child { margin-bottom: 0; }
.legal-address { border-left: 4px solid var(--forest); background: var(--sage-soft); }
.legal-fact-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 16px; margin: 26px 0; }
.legal-fact-grid section { padding: 22px; border: 1px solid var(--line); border-radius: 16px; background: #fff; box-shadow: 0 12px 28px rgba(20,55,46,.07); }
.legal-fact-grid strong, .legal-fact-grid span { display: block; }
.legal-fact-grid span { margin: 5px 0 9px; color: var(--forest); font-weight: 800; }
.legal-fact-grid p { margin: 0; }
@media (max-width: 680px) { .legal-content { padding: 46px 0 72px; } .legal-content h2 { font-size: 1.45rem; } .legal-highlight, .legal-address { padding: 20px; } .legal-fact-grid { grid-template-columns: 1fr; } }

.hub-intro-grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: 48px; align-items: end; }
.hub-stat { display: grid; grid-template-columns: repeat(2, 1fr); gap: 12px; }
.hub-stat div { padding: 20px; border-radius: 18px; background: rgba(255,255,255,.72); }
.hub-stat strong { display: block; color: var(--coral-deep); font-family: Georgia, serif; font-size: 1.7rem; }
.hub-stat span { color: var(--ink-soft); font-size: .8rem; }
.category-section { padding: 45px 0; border-bottom: 1px solid var(--line); }
.category-section:last-child { border-bottom: 0; }
.category-head { display: grid; grid-template-columns: 260px 1fr; gap: 44px; }
.category-head h2 { font-size: 2.1rem; }
.category-head p { color: var(--ink-soft); }
.topic-list { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; margin: 25px 0 0; padding: 0; list-style: none; }
.topic-link { display: flex; min-height: 54px; align-items: center; justify-content: space-between; gap: 10px; padding: 12px 15px; border: 1px solid var(--line); border-radius: 14px; background: var(--white); font-size: .9rem; font-weight: 700; text-decoration: none; }
.topic-link:hover { border-color: #b5ccbe; color: var(--coral-deep); }
.topic-link small { color: var(--ink-soft); font-size: .65rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; }
.topic-link.available small { color: var(--forest); }

/* Generated knowledge architecture */
.cluster-hero,
.longtail-hero {
  position: relative;
  isolation: isolate;
  overflow: hidden;
  border-bottom: 1px solid rgba(22, 72, 59, .14);
  background-color: #f3f6f1;
  background-image:
    radial-gradient(circle at 88% 16%, rgba(195,75,34,.13) 0 10%, transparent 10.2%),
    radial-gradient(circle at 78% 82%, rgba(22,72,59,.12) 0 18%, transparent 18.2%),
    linear-gradient(118deg, #fffaf4 0%, #f7f4ed 52%, #e5eee7 100%);
  background-position: center;
  background-repeat: no-repeat;
  background-size: cover;
}
.cluster-hero::before, .longtail-hero::before { position: absolute; z-index: -1; top: -210px; left: -180px; width: 560px; height: 560px; border: 1px solid rgba(22,72,59,.08); border-radius: 50%; box-shadow: 0 0 0 72px rgba(22,72,59,.025), 0 0 0 144px rgba(22,72,59,.018); content: ""; }
.cluster-hero::after, .longtail-hero::after { position: absolute; z-index: -1; top: 7%; right: 2.5%; width: min(44vw, 620px); height: 86%; border: 1px solid rgba(22,72,59,.07); border-radius: 48% 48% 16% 48%; background-image: repeating-linear-gradient(90deg, transparent 0 34px, rgba(22,72,59,.025) 34px 35px); content: ""; transform: rotate(3deg); }
.cluster-hero, .longtail-hero { display: flex; min-height: 760px; align-items: center; padding: 66px 0 112px; }
body[data-page-visual] .page-hero,
body[data-page-visual] .article-hero { position: relative; isolation: isolate; overflow: hidden; border-bottom: 1px solid rgba(22,72,59,.16); background-color: #edf3ec; background-image: linear-gradient(90deg, rgba(255,250,244,.99) 0%, rgba(255,250,244,.95) 42%, rgba(255,250,244,.5) 66%, rgba(255,250,244,.08) 100%), var(--page-hero-overlay, var(--page-hero-image)), var(--page-hero-photo); background-position: center, center, var(--page-hero-position, center); background-repeat: no-repeat; background-size: cover, cover, cover; }
body[data-page-visual] .page-hero { display: flex; min-height: 560px; align-items: center; padding: 76px 0 90px; }
body[data-page-visual] .article-hero { min-height: 620px; padding: 76px 0; }
.cluster-hero-grid, .longtail-hero-grid { display: grid; grid-template-columns: minmax(0, 1.03fr) minmax(470px, .97fr); align-items: center; gap: clamp(42px, 4.2vw, 68px); }
.journey-hero-copy { position: relative; z-index: 3; max-width: 720px; }
.hero-kicker-row { display: flex; flex-wrap: wrap; align-items: center; gap: 10px 16px; }
.hero-kicker-row .eyebrow { margin-bottom: 12px; }
.hero-kicker-row > span { margin-bottom: 12px; padding: 6px 10px; border: 1px solid rgba(22,72,59,.14); border-radius: 999px; color: var(--forest); background: rgba(255,255,255,.7); font-size: .66rem; font-weight: 820; letter-spacing: .06em; text-transform: uppercase; }
.cluster-hero h1, .longtail-hero h1 { max-width: 780px; overflow-wrap: normal; word-break: normal; hyphens: none; font-size: clamp(2.8rem, 4.45vw, 4.85rem); line-height: .97; text-wrap: balance; }
.longtail-hero h1 { font-size: clamp(2.65rem, 4.05vw, 4.35rem); }
.longtail-hero h1.hero-title-medium { overflow-wrap: normal; font-size: clamp(2.25rem, 3.35vw, 3.75rem); line-height: 1; }
.longtail-hero h1.hero-title-long { overflow-wrap: normal; font-size: clamp(1.95rem, 2.75vw, 3.05rem); line-height: 1.04; }
.cluster-hero .lead, .longtail-hero .lead { max-width: 670px; margin-top: 24px; color: #2f4a43; font-size: clamp(1.03rem, 1.55vw, 1.21rem); line-height: 1.68; }
.journey-hero-actions { display: flex; flex-wrap: wrap; gap: 11px; margin-top: 28px; }
.journey-hero-actions .btn-primary { min-height: 56px; padding-inline: 24px; box-shadow: 0 16px 34px color-mix(in srgb, var(--page-hero-accent, var(--coral)) 32%, transparent); }
.journey-hero-actions .btn-primary .icon { width: 18px; height: 18px; }
.profile-cta-band { position: relative; z-index: 4; padding: 28px 0; overflow: hidden; background: linear-gradient(180deg, #f3f6f1 0%, var(--cream) 100%); }
.profile-cta-band::before { position: absolute; top: 50%; left: 6%; width: 260px; height: 260px; border: 1px solid rgba(22,72,59,.06); border-radius: 50%; box-shadow: 0 0 0 48px rgba(22,72,59,.018); content: ""; transform: translateY(-50%); }
.profile-cta-band-inner { position: relative; display: grid; grid-template-columns: minmax(0, 1.2fr) minmax(340px, .8fr); align-items: center; gap: clamp(28px, 5vw, 70px); padding: clamp(28px, 4vw, 42px); overflow: hidden; border: 1px solid rgba(22,72,59,.13); border-radius: 26px 26px 70px 26px; background: rgba(255,255,255,.91); box-shadow: 0 22px 60px rgba(14,53,43,.11); }
.profile-cta-band-inner::after { position: absolute; right: -70px; bottom: -110px; width: 250px; height: 250px; border: 55px solid rgba(239,124,85,.07); border-radius: 50%; content: ""; pointer-events: none; }
.profile-cta-band-copy { position: relative; z-index: 1; }
.profile-cta-band-copy .eyebrow { margin-bottom: 9px; }
.profile-cta-band-copy h2 { max-width: 760px; color: var(--ink); font-size: clamp(1.55rem, 3.1vw, 2.55rem); line-height: 1.07; text-wrap: balance; }
.profile-cta-band-copy p { max-width: 760px; margin: 13px 0 0; color: var(--ink-soft); font-size: .87rem; line-height: 1.62; }
.profile-cta-band-action { position: relative; z-index: 1; display: grid; gap: 13px; }
.profile-cta-band-action .btn { width: 100%; min-height: 58px; justify-content: center; white-space: normal; text-align: center; box-shadow: 0 16px 34px rgba(195,75,34,.19); }
.profile-cta-band-action .icon { width: 17px; height: 17px; }
.profile-cta-band-proof { display: flex; flex-wrap: wrap; justify-content: center; gap: 6px 12px; color: var(--ink-soft); font-size: .64rem; font-weight: 760; }
.profile-cta-band-proof span::before { margin-right: 5px; color: var(--forest); content: "✓"; }
.profile-cta-band--deep { padding-block: 42px; background: linear-gradient(180deg, var(--white), #f3f6f1); }
.profile-cta-band--deep .profile-cta-band-inner { border-color: rgba(255,255,255,.12); color: var(--white); background: linear-gradient(135deg, #174d3f 0%, #0b3128 68%, #09271f 100%); box-shadow: 0 28px 68px rgba(9,43,35,.2); }
.profile-cta-band--deep .profile-cta-band-copy h2 { color: var(--white); }
.profile-cta-band--deep .profile-cta-band-copy p { color: #cfdfd8; }
.profile-cta-band--deep .eyebrow { color: #ffb797; }
.profile-cta-band--deep .profile-cta-band-proof { color: #bdd2c9; }
.profile-cta-band--deep .profile-cta-band-proof span::before { color: #ffb797; }
.page-hero-actions { display: flex; flex-wrap: wrap; gap: 11px; margin-top: 27px; }
.page-hero-actions .btn { min-height: 54px; }
.page-hero-actions-note { display: flex; flex-wrap: wrap; gap: 8px 14px; margin-top: 13px; color: var(--ink-soft); font-size: .7rem; font-weight: 720; }
.page-hero-actions-note span::before { margin-right: 6px; color: var(--coral-deep); content: "✓"; }
.hero-conversion-proof { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 8px; max-width: 620px; margin: 27px 0 0; padding: 0; list-style: none; }
.hero-conversion-proof li { display: grid; grid-template-columns: auto 1fr; gap: 8px; align-items: center; min-width: 0; padding: 10px 12px; border: 1px solid rgba(22,72,59,.11); border-radius: 12px; background: rgba(255,255,255,.62); }
.hero-conversion-proof strong { color: var(--forest); font-family: Georgia, serif; font-size: .86rem; line-height: 1.15; }
.hero-conversion-proof span { overflow-wrap: anywhere; color: var(--ink-soft); font-size: .68rem; font-weight: 720; line-height: 1.25; }
.hero-conversion-proof li:last-child { grid-template-columns: minmax(0, 1fr); align-content: center; align-items: start; gap: 5px; }
.hero-conversion-proof li:last-child strong,
.hero-conversion-proof li:last-child span { min-width: 0; max-width: 100%; overflow-wrap: break-word; word-break: normal; }
.hero-visual-column { position: relative; min-width: 0; min-height: 620px; }
.premium-hero-visual { position: absolute; inset: 0 0 18px 24px; overflow: hidden; margin: 0; border: 1px solid rgba(255,255,255,.9); border-radius: 34px 34px 104px 34px; background-color: var(--forest-deep); background-image: var(--page-hero-overlay, var(--page-hero-image)), var(--page-hero-photo); background-position: center, var(--page-hero-position, center); background-repeat: no-repeat; background-size: cover, cover; box-shadow: 0 38px 96px rgba(12,45,37,.24), 0 12px 30px rgba(12,45,37,.14), 0 0 0 8px rgba(255,255,255,.35); }
.premium-hero-visual::before { position: absolute; inset: 0; background: linear-gradient(145deg, rgba(255,255,255,.14), transparent 32%, rgba(3,24,19,.14)); content: ""; pointer-events: none; }
.premium-hero-visual::after { position: absolute; right: 22px; bottom: 22px; width: 74px; height: 74px; border-right: 2px solid rgba(255,255,255,.48); border-bottom: 2px solid rgba(255,255,255,.48); border-radius: 0 0 56px; content: ""; }
.hero-visual-badge { position: absolute; z-index: 2; top: 22px; left: 22px; display: inline-flex; align-items: center; gap: 7px; padding: 9px 12px; border: 1px solid rgba(255,255,255,.25); border-radius: 999px; color: #fffaf4; background: rgba(8,37,30,.62); box-shadow: 0 12px 30px rgba(5,28,22,.18); backdrop-filter: blur(12px); font-size: .64rem; font-weight: 820; letter-spacing: .07em; text-transform: uppercase; }
.hero-visual-badge span { color: #ffb797; }
.premium-hero-visual figcaption { position: absolute; z-index: 2; right: 28px; bottom: 28px; max-width: 280px; padding: 15px 17px; border: 1px solid rgba(255,255,255,.22); border-radius: 17px; color: #fffaf4; background: rgba(7,34,28,.7); box-shadow: 0 15px 40px rgba(4,25,20,.2); backdrop-filter: blur(14px); }
.premium-hero-visual figcaption span { display: block; margin-bottom: 5px; color: #ffc1a5; font-size: .61rem; font-weight: 800; letter-spacing: .09em; text-transform: uppercase; }
.premium-hero-visual figcaption strong { display: block; font-family: Georgia, serif; font-size: .93rem; font-weight: 600; line-height: 1.25; }
.hero-context-card { position: absolute; z-index: 5; bottom: -38px; left: -24px; width: min(100%, 370px); padding: 25px; border: 1px solid rgba(255,255,255,.86); border-radius: 22px; background: rgba(255,255,255,.93); box-shadow: 0 26px 70px rgba(15,53,44,.2); backdrop-filter: blur(16px); }
.hero-context-card .context-label { display: block; margin-bottom: 10px; color: var(--coral-deep); font-size: .69rem; font-weight: 820; letter-spacing: .09em; text-transform: uppercase; }
.hero-context-card > strong { display: block; color: var(--ink); font-family: Georgia, serif; font-size: clamp(1.1rem, 2vw, 1.42rem); line-height: 1.25; }
.hero-context-card p { margin: 12px 0 0; color: var(--ink-soft); font-size: .83rem; }
.hero-context-card ul { display: grid; gap: 8px; margin: 16px 0 0; padding: 0; list-style: none; }
.hero-context-card li { position: relative; padding-left: 20px; color: var(--ink-soft); font-size: .82rem; }
.hero-context-card li::before { position: absolute; top: .58em; left: 0; width: 8px; height: 8px; border-radius: 50%; background: var(--coral); content: ""; }
.hero-context-card a { display: inline-flex; margin-top: 17px; color: var(--coral-deep); font-size: .8rem; font-weight: 800; text-decoration: none; }
.hero-meta { display: flex; flex-wrap: wrap; gap: 8px 18px; margin-top: 22px; color: var(--ink-soft); font-size: .72rem; font-weight: 720; letter-spacing: .02em; }
.hero-meta span { display: inline-flex; align-items: center; gap: 7px; }
.hero-meta span::before { width: 6px; height: 6px; border-radius: 50%; background: var(--coral); content: ""; }
.journey-proof { position: relative; z-index: 5; margin-top: -43px; }
.journey-proof-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); overflow: hidden; border: 1px solid rgba(22,72,59,.13); border-radius: 24px; background: rgba(255,255,255,.97); box-shadow: 0 24px 64px rgba(14,53,43,.14); backdrop-filter: blur(18px); }
.journey-proof-grid > div { position: relative; display: grid; grid-template-columns: 38px 1fr; gap: 13px; align-items: start; min-width: 0; padding: 24px 21px 22px; overflow: hidden; }
.journey-proof-grid > div::after { position: absolute; right: -28px; bottom: -34px; width: 76px; height: 76px; border: 1px solid rgba(22,72,59,.07); border-radius: 50%; content: ""; }
.journey-proof-grid > div + div { border-left: 1px solid var(--line); }
.journey-proof-icon { display: grid; width: 36px; height: 36px; place-items: center; border: 1px solid rgba(255,255,255,.34); border-radius: 11px 11px 20px 11px; color: var(--white); background: linear-gradient(145deg, var(--forest), #0b3b30); box-shadow: 0 8px 18px rgba(16,67,54,.18); font-family: Georgia, serif; font-size: .72rem; }
.journey-proof-grid p { min-width: 0; margin: 0; line-height: 1.25; }
.journey-proof-grid small { display: block; margin-bottom: 5px; color: var(--coral-deep); font-size: .56rem; font-weight: 850; letter-spacing: .075em; text-transform: uppercase; }
.journey-proof-grid strong { display: block; margin-bottom: 6px; overflow-wrap: break-word; font-family: Georgia, serif; font-size: .96rem; line-height: 1.16; }
.journey-proof-grid em { display: block; overflow-wrap: break-word; color: var(--ink-soft); font-size: .67rem; font-style: normal; line-height: 1.42; }
.journey-proof--2 .journey-proof-icon { border-radius: 50%; background: linear-gradient(145deg, var(--coral), #b64e32); }
.journey-proof--3 .journey-proof-grid { border-radius: 36px 16px 36px 16px; }
.journey-proof--3 .journey-proof-icon { color: var(--forest); border-color: #c5d8cd; background: var(--sage-soft); box-shadow: none; }

.journey-heading { display: grid; grid-template-columns: minmax(0, 1.15fr) minmax(280px, .65fr); align-items: end; gap: 54px; margin-bottom: 38px; }
.journey-heading h2 { max-width: 740px; font-size: clamp(2rem, 4vw, 3.35rem); }
.journey-heading > p { margin: 0; color: var(--ink-soft); font-size: .95rem; }
.journey-problem { position: relative; padding-top: 105px; overflow: hidden; background: var(--cream); }
.journey-problem::before { position: absolute; top: 45px; left: -185px; width: 420px; height: 420px; border: 1px solid rgba(22,72,59,.07); border-radius: 50%; box-shadow: 0 0 0 68px rgba(22,72,59,.025); content: ""; }
.journey-problem-layout { position: relative; display: grid; grid-template-columns: minmax(280px, .72fr) minmax(0, 1.28fr); align-items: start; gap: clamp(38px, 6vw, 84px); }
.journey-problem .journey-heading { position: sticky; top: 110px; display: flex; align-items: stretch; flex-direction: column; gap: 20px; margin: 0; padding: clamp(28px, 4vw, 42px); border: 1px solid rgba(22,72,59,.13); border-radius: 28px 28px 74px 28px; background: rgba(255,255,255,.7); box-shadow: 0 18px 50px rgba(18,55,45,.07); backdrop-filter: blur(12px); }
.journey-problem .journey-heading h2 { width: 100%; min-width: 0; max-width: 100%; overflow-wrap: anywhere; word-break: normal; hyphens: auto; font-size: clamp(1.9rem, 2.65vw, 2.7rem); }
.journey-problem .journey-heading > p { font-size: .88rem; }
.journey-heading-note { display: flex; align-items: center; gap: 10px; margin-top: 7px; padding-top: 19px; border-top: 1px solid var(--line); color: var(--forest); font-size: .67rem; font-weight: 820; letter-spacing: .035em; text-transform: uppercase; }
.journey-heading-note b { display: grid; width: 29px; height: 29px; place-items: center; border-radius: 50%; color: var(--white); background: var(--coral); font-family: Georgia, serif; }
.journey-problem-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 16px; }
.journey-problem-grid article { position: relative; min-height: 260px; padding: 25px 24px 23px; overflow: hidden; border: 1px solid var(--line); border-radius: 22px; background: var(--white); box-shadow: 0 14px 36px rgba(18,55,45,.06); transition: transform .25s ease, box-shadow .25s ease; }
.journey-problem-grid article:nth-child(2n) { transform: translateY(22px); }
.journey-problem-grid article::after { position: absolute; right: -42px; bottom: -52px; width: 126px; height: 126px; border: 22px solid rgba(239,124,85,.05); border-radius: 50%; content: ""; }
.journey-problem-grid article:hover { transform: translateY(-3px); box-shadow: 0 21px 45px rgba(18,55,45,.1); }
.journey-problem-grid article:nth-child(2n):hover { transform: translateY(18px); }
.journey-card-top { display: flex; align-items: center; justify-content: space-between; gap: 12px; margin-bottom: 34px; }
.journey-card-top > span { display: inline-grid; width: 38px; height: 38px; place-items: center; border: 1px solid #cbdad1; border-radius: 50%; color: var(--coral-deep); font-family: Georgia, serif; font-size: .75rem; }
.journey-card-top > small { color: #789087; font-size: .58rem; font-weight: 850; letter-spacing: .09em; text-transform: uppercase; }
.journey-problem-grid h3 { margin-bottom: 11px; font-size: 1.14rem; }
.journey-problem-grid p { margin: 0; color: var(--ink-soft); font-size: .78rem; }
.journey-problem-grid article > b { position: relative; z-index: 1; display: block; margin-top: 20px; color: var(--forest); font-size: .61rem; letter-spacing: .035em; text-transform: uppercase; }
.journey-problem-counterpoint { grid-column: 1 / -1; display: grid; grid-template-columns: 120px 1fr; gap: 25px; align-items: center; min-height: 175px; padding: 25px 28px; overflow: hidden; border-radius: 22px 22px 58px 22px; color: var(--white); background: linear-gradient(145deg, #174b3e, #0b3229); box-shadow: 0 18px 42px rgba(13,49,40,.13); }
.journey-problem-counterpoint > span { display: grid; width: 92px; height: 92px; place-items: center; border: 1px solid rgba(255,255,255,.18); border-radius: 50%; color: #ffb999; background: rgba(255,255,255,.04); font-family: Georgia, serif; font-size: .82rem; }
.journey-problem-counterpoint strong { display: block; color: var(--white); font-family: Georgia, serif; font-size: 1.18rem; line-height: 1.15; }
.journey-problem-counterpoint p { margin: 9px 0 0; color: #cfe0d9; font-size: .74rem; }
.journey-stage--2 .journey-problem-grid article { border-radius: 18px 18px 52px 18px; }
.journey-stage--3 .journey-problem .journey-heading, .journey-problem.journey-stage--3 .journey-heading { border-radius: 60px 24px 24px 24px; }
.journey-stage--4 .journey-problem-grid article:nth-child(odd) { background: var(--sage-soft); }

.journey-solution { position: relative; overflow: hidden; color: var(--white); background: linear-gradient(145deg, #0e4034 0%, var(--forest-deep) 55%, #08271f 100%); }
.journey-solution::before { position: absolute; top: -230px; right: -140px; width: 550px; height: 550px; border: 85px solid rgba(255,255,255,.025); border-radius: 50%; content: ""; }
.journey-heading-light h2 { color: var(--white); }
.journey-heading-light > p { color: #c8dbd3; }
.journey-heading-light .eyebrow { color: #ffb999; }
.journey-solution .container { position: relative; }
.journey-solution-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 12px; }
.journey-solution--longtail .journey-solution-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.journey-solution-grid article { position: relative; display: flex; min-height: 270px; flex-direction: column; padding: 26px 23px 22px; overflow: hidden; border: 1px solid rgba(255,255,255,.12); border-radius: 20px 20px 48px 20px; background: rgba(25,83,68,.68); box-shadow: inset 0 1px rgba(255,255,255,.05); backdrop-filter: blur(10px); }
.journey-solution-grid article::before { position: absolute; top: 0; right: 0; left: 0; height: 3px; background: linear-gradient(90deg, var(--coral), rgba(255,185,153,.1)); content: ""; }
.journey-solution .journey-card-top { margin-bottom: 25px; }
.journey-solution .journey-card-top span { color: #ffd0bb; border-color: rgba(255,255,255,.2); }
.journey-solution .journey-card-top small { color: #a9c5ba; }
.journey-solution-grid h3 { margin: 0 0 11px; color: var(--white); font-size: 1.12rem; }
.journey-solution-grid p { margin: 0; color: #cfe0d9; font-size: .78rem; }
.journey-card-signal { display: grid; gap: 3px; margin-top: auto; padding-top: 19px; border-top: 1px solid rgba(255,255,255,.1); }
.journey-card-signal b { color: #ffb999; font-size: .56rem; letter-spacing: .08em; text-transform: uppercase; }
.journey-card-signal em { overflow-wrap: anywhere; color: var(--white); font-size: .7rem; font-style: normal; font-weight: 780; }
.journey-solution-caption { display: flex; align-items: center; justify-content: end; gap: 9px; margin: 23px 2px 0; color: #a9c5ba; font-size: .69rem; }
.journey-solution-caption span { color: #ffb999; }
.journey-solution.journey-stage--2 .journey-solution-grid article:nth-child(even) { background: rgba(239,124,85,.1); }
.journey-solution.journey-stage--3 .journey-solution-grid article { border-radius: 42px 18px 42px 18px; }
.journey-solution.journey-stage--4 .journey-solution-grid { gap: 16px; }

.editorial-moment { position: relative; overflow: hidden; background: var(--cream); }
.editorial-moment::before { position: absolute; top: -180px; right: -120px; width: 420px; height: 420px; border: 1px solid rgba(22,72,59,.08); border-radius: 50%; box-shadow: 0 0 0 70px rgba(22,72,59,.025); content: ""; }
.editorial-moment-card { position: relative; display: block; min-height: 590px; overflow: hidden; border: 1px solid rgba(255,255,255,.8); border-radius: 34px 34px 112px 34px; color: var(--white); background: var(--forest-deep); box-shadow: 0 32px 80px rgba(9,43,35,.2); text-decoration: none; isolation: isolate; }
.editorial-moment-card picture, .editorial-moment-card picture::after { position: absolute; inset: 0; }
.editorial-moment-card picture::after { background: linear-gradient(180deg, rgba(6,28,23,.02) 0%, rgba(6,28,23,.12) 42%, rgba(6,28,23,.91) 100%); content: ""; }
.editorial-moment-card img { width: 100%; height: 100%; object-fit: cover; object-position: var(--section-photo-position, center); filter: var(--page-photo-filter, none); transition: transform .6s cubic-bezier(.2,.7,.2,1); }
.editorial-moment-card.section-image-alltag-recht img { object-position: var(--section-photo-position, 65% center); }
.editorial-moment-card.section-image-wohnen-eigentum img { object-position: var(--section-photo-position, 53% center); }
.editorial-moment-card.section-image-einkommen-vorsorge img { object-position: var(--section-photo-position, 58% center); }
.editorial-moment-card.section-image-gesundheit-pflege img { object-position: var(--section-photo-position, 66% center); }
.editorial-moment-card.section-image-mobilitaet-reise img { object-position: var(--section-photo-position, 45% center); }
.editorial-moment-card.section-image-tier-hobby img { object-position: var(--section-photo-position, 40% center); }
.editorial-moment-card.section-image-familie-lebensphasen img { object-position: var(--section-photo-position, 48% center); }
.editorial-moment-card.section-image-digital-spezial img { object-position: var(--section-photo-position, 55% center); }
.editorial-moment-card.section-image-selbststaendigkeit-gewerbe img { object-position: var(--section-photo-position, 50% center); }
.editorial-moment-overlay { position: absolute; z-index: 1; inset: 0; background-color: transparent; background-image: linear-gradient(90deg, rgba(4,24,19,.26), transparent 65%), var(--section-composite-overlay, var(--section-editorial-overlay)); background-position: center; background-repeat: no-repeat; background-size: cover; pointer-events: none; }
.editorial-moment-copy { position: absolute; z-index: 2; right: clamp(25px, 5vw, 68px); bottom: clamp(26px, 5vw, 58px); left: clamp(25px, 5vw, 68px); max-width: 850px; }
.editorial-moment-kicker { display: inline-flex; margin-bottom: 13px; padding: 7px 10px; border: 1px solid rgba(255,255,255,.3); border-radius: 999px; color: #ffd0bb; background: rgba(8,38,31,.5); backdrop-filter: blur(10px); font-size: .65rem; font-weight: 820; letter-spacing: .075em; text-transform: uppercase; }
.editorial-moment-copy h2 { max-width: 780px; overflow-wrap: anywhere; color: var(--white); font-size: clamp(2.1rem, 4.5vw, 4.15rem); line-height: 1; text-wrap: balance; hyphens: auto; }
.editorial-moment-copy p { max-width: 710px; margin: 16px 0 20px; color: #e4efe9; font-size: clamp(.85rem, 1.4vw, 1rem); }
.editorial-moment-link { display: inline-flex; align-items: center; gap: 8px; min-height: 47px; padding: 11px 16px; border-radius: 10px; color: var(--white); background: var(--coral); box-shadow: 0 12px 30px rgba(0,0,0,.18); font-size: .79rem; font-weight: 850; }
.editorial-moment-copy small { display: block; margin-top: 11px; color: #bdd2c9; font-size: .65rem; font-weight: 700; }
.editorial-moment-card:hover img { transform: scale(1.035); }
.editorial-moment-card:hover .editorial-moment-link { background: #df6844; }
.editorial-moment-card:focus-visible { outline: 4px solid rgba(239,124,85,.55); outline-offset: 4px; }

.article-visual-break { display: grid; grid-template-columns: minmax(240px, .78fr) minmax(0, 1.22fr); min-height: 310px; margin: 46px 0 54px; overflow: hidden; border: 1px solid #d5e1da; border-radius: 24px 24px 62px 24px; color: var(--ink); background: var(--sage-soft); box-shadow: 0 18px 48px rgba(15,53,44,.1); text-decoration: none; }
.article-visual-break-art { position: relative; display: block; min-height: 310px; overflow: hidden; background-color: var(--forest); background-image: var(--story-editorial-image, var(--page-hero-photo, var(--page-hero-image))); background-position: center; background-repeat: no-repeat; background-size: cover; }
.article-visual-break-art::after { position: absolute; inset: 0; background-image: linear-gradient(135deg, rgba(255,255,255,.03), rgba(5,29,23,.18)), var(--story-composite-overlay, var(--story-editorial-overlay)); background-position: center; background-repeat: no-repeat; background-size: cover; content: ""; pointer-events: none; }
.article-visual-break-art img { width: 100%; height: 100%; min-height: 310px; object-fit: cover; object-position: var(--story-photo-position, center); filter: var(--page-photo-filter, none); transition: transform .45s ease; }
.article-visual-break-copy { display: flex; align-items: start; flex-direction: column; justify-content: center; padding: clamp(28px, 5vw, 48px); }
.article-visual-break-copy small { margin-bottom: 9px; color: var(--coral-deep); font-size: .65rem; font-weight: 850; letter-spacing: .08em; text-transform: uppercase; }
.article-visual-break-copy strong { max-width: 490px; font-family: Georgia, serif; font-size: clamp(1.4rem, 3vw, 2.05rem); line-height: 1.13; }
.article-visual-break-copy > span { margin-top: 18px; color: var(--forest); font-size: .78rem; font-weight: 850; text-decoration: underline; text-decoration-color: var(--coral); text-underline-offset: 5px; }
.article-visual-break:hover .article-visual-break-art img { transform: scale(1.03); }
.article-visual-break:focus-visible { outline: 4px solid rgba(239,124,85,.45); outline-offset: 3px; }

.product-profile-section { position: relative; overflow: hidden; color: var(--white); background: var(--forest-deep); }
.product-profile-section::before { position: absolute; top: -260px; left: -180px; width: 580px; height: 580px; border: 80px solid rgba(255,255,255,.025); border-radius: 50%; content: ""; }
.product-profile-section::after { position: absolute; right: -170px; bottom: -310px; width: 610px; height: 610px; border: 95px solid rgba(239,124,85,.06); border-radius: 50%; content: ""; }
.product-profile-layout { position: relative; z-index: 1; display: grid; grid-template-columns: minmax(0, .95fr) minmax(540px, 1.05fr); align-items: center; gap: clamp(38px, 5vw, 70px); }
.product-profile-layout > * { min-width: 0; }
.product-profile-intro .eyebrow { color: #ffb999; }
.product-profile-intro h2 { max-width: 610px; overflow-wrap: break-word; word-break: normal; color: var(--white); font-size: clamp(2.15rem, 3.55vw, 3.25rem); line-height: 1.02; hyphens: none; text-wrap: balance; }
.product-profile-intro > p:not(.eyebrow):not(.product-profile-legal) { max-width: 590px; margin: 21px 0 0; color: #cfe0d9; font-size: .98rem; }
.product-profile-trust { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 25px; }
.product-profile-trust span { padding: 7px 10px; border: 1px solid rgba(255,255,255,.18); border-radius: 999px; color: #e4efe9; background: rgba(255,255,255,.055); font-size: .65rem; font-weight: 800; letter-spacing: .035em; text-transform: uppercase; }
.product-profile-flow { display: grid; gap: 0; margin: 34px 0 0; padding: 0; list-style: none; }
.product-profile-flow li { position: relative; display: grid; grid-template-columns: 38px 1fr; align-items: center; gap: 13px; min-height: 64px; }
.product-profile-flow li:not(:last-child)::after { position: absolute; top: 48px; bottom: -3px; left: 18px; width: 1px; background: rgba(255,255,255,.18); content: ""; }
.product-profile-flow li > span { display: grid; z-index: 1; width: 38px; height: 38px; place-items: center; border: 1px solid rgba(255,255,255,.25); border-radius: 50%; color: #ffd0bb; background: #15483b; font-family: Georgia, serif; font-size: .8rem; }
.product-profile-flow strong, .product-profile-flow small { display: block; }
.product-profile-flow strong { color: var(--white); font-size: .86rem; }
.product-profile-flow small { margin-top: 3px; color: #9ebdb1; font-size: .7rem; }
.product-profile-legal { max-width: 590px; margin: 28px 0 0; padding: 14px 16px; border-left: 2px solid var(--coral); color: #a9c2b8; background: rgba(255,255,255,.045); font-size: .72rem; line-height: 1.55; }
.product-profile-legal strong { color: #ffe3d6; }

.product-profile-card { position: relative; min-width: 0; overflow: hidden; border: 1px solid rgba(255,255,255,.7); border-radius: 25px; color: var(--ink); background: #fffdf9; box-shadow: 0 34px 90px rgba(0,0,0,.3); }
.product-profile-card form { padding: clamp(25px, 4vw, 38px); }
.product-profile-card-head { display: flex; align-items: start; justify-content: space-between; gap: 18px; }
.product-profile-card-head > div span, .product-profile-card-head > div strong { display: block; }
.product-profile-card-head > div span { color: var(--coral-deep); font-size: .66rem; font-weight: 850; letter-spacing: .09em; text-transform: uppercase; }
.product-profile-card-head > div strong { margin-top: 4px; color: var(--ink-soft); font-size: .8rem; }
.product-profile-secure { flex: 0 0 auto; padding: 6px 9px; border-radius: 999px; color: #2c6654; background: var(--sage-soft); font-size: .62rem; font-weight: 800; }
.product-profile-progress { height: 5px; margin: 17px 0 31px; overflow: hidden; border-radius: 999px; background: #e5ebe7; }
.product-profile-progress span { display: block; width: 20%; height: 100%; border-radius: inherit; background: linear-gradient(90deg, var(--coral), #f2a07e); transition: width .28s ease; }
.product-profile-step { min-width: 0; margin: 0; padding: 0; border: 0; }
.product-profile-step[hidden] { display: none; }
.product-profile-step legend { max-width: 650px; padding: 0; color: var(--ink); font-family: Georgia, serif; font-size: clamp(1.55rem, 3vw, 2.15rem); font-weight: 700; line-height: 1.12; letter-spacing: -.025em; }
.product-profile-step > p { max-width: 620px; margin: 11px 0 21px; color: var(--ink-soft); font-size: .78rem; }
.product-profile-options { display: grid; gap: 9px; }
.product-profile-options label { display: block; cursor: pointer; }
.product-profile-options input { position: absolute; width: 1px; height: 1px; overflow: hidden; opacity: 0; }
.product-profile-options label > span { display: grid; grid-template-columns: 38px minmax(0, 1fr); column-gap: 13px; align-items: center; min-height: 71px; padding: 12px 15px; border: 1px solid #dbe3de; border-radius: 13px; background: var(--white); transition: border-color .18s ease, background .18s ease, transform .18s ease; }
.product-profile-options label > span b { display: grid; grid-row: 1 / span 2; width: 34px; height: 34px; place-items: center; border: 1px solid #c8d8cf; border-radius: 50%; color: var(--forest); background: var(--sage-soft); font-family: Georgia, serif; font-size: .78rem; }
.product-profile-options label > span strong { align-self: end; color: var(--ink); font-size: .84rem; }
.product-profile-options label > span small { align-self: start; margin-top: 2px; color: var(--ink-soft); font-size: .69rem; line-height: 1.35; }
.product-profile-options label:hover > span { border-color: #a8c4b4; transform: translateY(-1px); }
.product-profile-options input:focus-visible + span { outline: 3px solid rgba(239,124,85,.4); outline-offset: 2px; }
.product-profile-options input:checked + span { border-color: var(--forest); background: #eef6f1; box-shadow: inset 4px 0 0 var(--coral); }
.product-profile-options input:checked + span b { border-color: var(--forest); color: var(--white); background: var(--forest); }
.product-profile-actions { display: grid; grid-template-columns: auto minmax(150px, 220px); justify-content: end; gap: 10px; margin-top: 24px; }
.product-profile-actions .btn { grid-column: 2; width: 100%; }
.product-profile-back { grid-column: 1; padding: 8px 12px; border: 0; color: var(--ink-soft); background: transparent; font-size: .76rem; font-weight: 800; cursor: pointer; }
.product-profile-back:hover { color: var(--coral-deep); }
.product-profile-error { margin: 14px 0 0; color: #a73924; font-size: .72rem; font-weight: 800; }

.product-profile-result { padding: clamp(25px, 4vw, 38px); }
.product-profile-result[hidden] { display: none; }
.product-profile-result-head { display: flex; align-items: start; justify-content: space-between; gap: 18px; }
.product-profile-result-head span[data-profile-result-label] { display: block; color: var(--coral-deep); font-size: .66rem; font-weight: 850; letter-spacing: .09em; text-transform: uppercase; }
.product-profile-result-head h3 { max-width: 530px; margin: 5px 0 0; font-size: clamp(1.75rem, 3.4vw, 2.5rem); }
.product-profile-match { flex: 0 0 auto; padding: 7px 10px; border-radius: 999px; color: #2c6654; background: var(--sage-soft); font-size: .61rem; font-weight: 800; }
.product-profile-summary { margin: 18px 0; color: var(--ink-soft); font-size: .86rem; }
.product-profile-handoff { position: relative; display: grid; gap: 7px; margin-top: 12px; padding: 17px; overflow: hidden; border: 1px solid rgba(22,72,59,.24); border-radius: 15px; background: linear-gradient(135deg, #f3faf6, #fff 58%, #fff5ed); box-shadow: 0 12px 30px rgba(22,72,59,.08); }
.product-profile-handoff::after { position: absolute; right: -38px; bottom: -58px; width: 120px; height: 120px; border: 22px solid rgba(234,102,47,.07); border-radius: 50%; content: ""; pointer-events: none; }
.product-profile-handoff > * { position: relative; z-index: 1; }
.product-profile-handoff .affiliate-label { justify-self: start; }
.product-profile-handoff > strong { color: var(--forest); font-size: .88rem; line-height: 1.25; }
.product-profile-handoff > p { max-width: 66ch; margin: 0; color: var(--ink-soft); font-size: .69rem; line-height: 1.55; }
.product-profile-handoff .product-profile-offer { justify-self: start; min-height: 48px; margin-top: 3px; padding-inline: 18px; font-size: .73rem; }
.product-profile-offer-pending { justify-self: start; margin-top: 3px; padding: 8px 11px; border: 1px dashed #c4d4cc; border-radius: 9px; color: var(--forest); background: rgba(255,255,255,.72); font-size: .66rem; font-weight: 850; }
.product-profile-handoff > small { color: #68736d; font-size: .61rem; line-height: 1.45; }
.product-profile-result-actions { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; margin-top: 16px; }
.product-profile-result-actions .btn { min-height: 44px; padding-inline: 14px; font-size: .73rem; }
.product-profile-result-actions .btn-secondary { color: var(--forest); border-color: #b9cec2; background: var(--white); }
.affiliate-label { padding: 3px 6px; border-radius: 999px; color: #78331f; background: #ffe2d5; font-size: .58rem; font-weight: 900; letter-spacing: .05em; text-transform: uppercase; }
.product-profile-result-actions button { grid-column: 1 / -1; justify-self: center; padding: 5px 10px; border: 0; color: var(--ink-soft); background: transparent; font-size: .69rem; font-weight: 800; text-decoration: underline; text-underline-offset: 3px; cursor: pointer; }

/* Clean, conversion-focused survey result shared by every insurance category. */
.product-profile-result {
  display: flex;
  flex-direction: column;
  text-align: center;
}

.product-profile-result-head {
  order: 1;
  display: grid;
  justify-items: center;
  gap: 0;
}

.product-profile-result-head span[data-profile-result-label] {
  display: grid;
  justify-items: center;
  gap: 10px;
}

.product-profile-result-head span[data-profile-result-label]::before {
  display: grid;
  width: 48px;
  height: 48px;
  place-items: center;
  border-radius: 50%;
  color: var(--white);
  background: var(--forest);
  box-shadow: 0 10px 24px rgba(22,72,59,.2);
  font-size: 1.2rem;
  content: "✓";
}

.product-profile-result-head h3 {
  max-width: 650px;
  margin-top: 9px;
  font-size: clamp(1.8rem, 4vw, 2.65rem);
  letter-spacing: -.035em;
}

.product-profile-match { display: none; }

.product-profile-summary {
  order: 2;
  max-width: 620px;
  margin: 11px auto 0;
  color: var(--ink-soft);
  font-size: .82rem;
  line-height: 1.55;
}

.product-profile-handoff {
  order: 3;
  width: min(660px, 100%);
  justify-items: center;
  gap: 9px;
  margin: 24px auto 0;
  padding: clamp(22px, 4vw, 30px);
  border-color: rgba(234,102,47,.22);
  border-radius: 22px;
  background: linear-gradient(145deg, #fff 0%, #fff8f3 100%);
  box-shadow: 0 20px 50px rgba(22,72,59,.1);
}

.product-profile-handoff::after {
  right: -50px;
  bottom: -74px;
  width: 160px;
  height: 160px;
  border-width: 27px;
}

.product-profile-handoff > strong {
  color: var(--ink);
  font-family: Georgia, serif;
  font-size: clamp(1.15rem, 2.8vw, 1.5rem);
}

.product-profile-handoff > p {
  max-width: 48ch;
  font-size: .74rem;
}

.product-profile-handoff .product-profile-offer {
  position: relative;
  width: 100%;
  min-height: 64px;
  justify-self: stretch;
  margin-top: 7px;
  padding: 16px 54px 16px 24px;
  overflow: hidden;
  border: 0;
  border-radius: 16px;
  color: var(--white);
  background: linear-gradient(135deg, #ff7a3f 0%, #f05e23 55%, #df4812 100%);
  box-shadow: 0 16px 32px rgba(225,72,18,.28);
  font-size: .88rem;
  font-weight: 900;
  text-align: center;
  isolation: isolate;
  transition: transform .2s ease, box-shadow .2s ease, filter .2s ease;
}

.product-profile-handoff .product-profile-offer::before {
  position: absolute;
  z-index: -1;
  top: -70%;
  bottom: -70%;
  left: -42%;
  width: 32%;
  transform: rotate(18deg);
  background: linear-gradient(90deg, transparent, rgba(255,255,255,.34), transparent);
  content: "";
  transition: left .48s ease;
}

.product-profile-handoff .product-profile-offer::after {
  position: absolute;
  top: 50%;
  right: 23px;
  transform: translateY(-52%);
  font-size: 1.25rem;
  line-height: 1;
  content: "→";
  transition: transform .2s ease;
}

.product-profile-handoff .product-profile-offer:hover {
  transform: translateY(-3px);
  filter: saturate(1.08);
  background: linear-gradient(135deg, #ff6b2c 0%, #ea5017 58%, #ce3e0b 100%);
  box-shadow: 0 21px 40px rgba(225,72,18,.36);
}

.product-profile-handoff .product-profile-offer:hover::before { left: 112%; }
.product-profile-handoff .product-profile-offer:hover::after { transform: translate(4px, -52%); }
.product-profile-handoff .product-profile-offer:focus-visible { outline: 3px solid rgba(239,124,85,.38); outline-offset: 4px; }

.product-profile-trust-row {
  display: flex;
  justify-content: center;
  gap: 7px 16px;
  flex-wrap: wrap;
  color: #426358;
  font-size: .63rem;
  font-weight: 800;
}

.product-profile-trust-row span {
  display: inline-flex;
  align-items: center;
  gap: 5px;
}

.product-profile-trust-row span::before {
  color: var(--forest);
  font-weight: 950;
  content: "✓";
}

.product-profile-handoff > small {
  max-width: 62ch;
  text-align: center;
}

.product-profile-result-actions {
  order: 5;
  display: flex;
  justify-content: center;
  margin-top: 13px;
}

.product-profile-result-actions .btn-secondary { display: none; }
.product-profile-result-actions button { grid-column: auto; }

.journey-process { position: relative; overflow: hidden; background: var(--white); }
.journey-process::after { position: absolute; right: -190px; bottom: -260px; width: 520px; height: 520px; border: 1px solid rgba(22,72,59,.06); border-radius: 50%; box-shadow: 0 0 0 70px rgba(22,72,59,.018); content: ""; }
.journey-process .container { position: relative; z-index: 1; }
.journey-process-shell { display: grid; grid-template-columns: minmax(0, 1fr) minmax(250px, .34fr); gap: 18px; align-items: stretch; }
.journey-process-grid { position: relative; display: grid; gap: 0; margin: 0; padding: 5px 0; border: 1px solid var(--line); border-radius: 26px; background: var(--white); box-shadow: 0 18px 50px rgba(18,55,45,.06); list-style: none; }
.journey-process-grid::before { position: absolute; top: 44px; bottom: 44px; left: 47px; width: 1px; background: linear-gradient(var(--coral), #b9cec2); content: ""; }
.journey-process-grid li { position: relative; display: grid; grid-template-columns: 56px 1fr; gap: 17px; align-items: start; padding: 21px 27px 21px 19px; text-align: left; }
.journey-process-grid li + li { border-top: 1px solid var(--line); }
.journey-process-grid li > span { position: relative; z-index: 1; display: grid; width: 56px; height: 40px; place-items: center; border: 5px solid var(--white); border-radius: 18px 18px 30px 18px; color: var(--white); background: var(--forest); box-shadow: 0 0 0 1px #b8cec1; font-family: Georgia, serif; font-size: .75rem; }
.journey-process-grid small { color: var(--coral-deep); font-size: .56rem; font-weight: 850; letter-spacing: .08em; text-transform: uppercase; }
.journey-process-grid h3 { margin: 3px 0 7px; font-size: 1.08rem; }
.journey-process-grid p { margin: 0; color: var(--ink-soft); font-size: .78rem; }
.journey-process-outcome { position: relative; display: flex; min-height: 100%; align-items: start; flex-direction: column; justify-content: end; padding: 30px 28px; overflow: hidden; border-radius: 26px 26px 72px 26px; color: var(--white); background: linear-gradient(155deg, #1a5949 0%, #0c352b 65%, #08261f 100%); box-shadow: 0 22px 55px rgba(10,45,36,.17); }
.journey-process-outcome::before { position: absolute; top: -75px; right: -75px; width: 210px; height: 210px; border: 35px solid rgba(255,255,255,.045); border-radius: 50%; content: ""; }
.journey-process-outcome > span { position: relative; margin-bottom: auto; color: #ffb999; font-size: .59rem; font-weight: 850; letter-spacing: .09em; text-transform: uppercase; }
.journey-process-outcome strong { position: relative; display: block; margin-top: 80px; font-family: Georgia, serif; font-size: clamp(1.45rem, 2.6vw, 2.15rem); line-height: 1.08; }
.journey-process-outcome p { position: relative; margin: 15px 0 21px; color: #cfe0d9; font-size: .75rem; }
.journey-process-outcome a { position: relative; color: var(--white); font-size: .7rem; font-weight: 850; text-decoration-color: var(--coral); text-underline-offset: 5px; }
.journey-process.journey-stage--2 .journey-process-outcome { border-radius: 72px 26px 26px 26px; }
.journey-process.journey-stage--3 .journey-process-grid li > span { border-radius: 50%; background: var(--coral); }
.journey-process.journey-stage--4 .journey-process-outcome { background: linear-gradient(155deg, #aa4c32, #70301f); }

.journey-authority { position: relative; overflow: hidden; background: linear-gradient(135deg, var(--sage-soft), #eef5f0 52%, #dcece3); }
.journey-authority::before { position: absolute; top: -180px; left: -130px; width: 390px; height: 390px; border: 68px solid rgba(255,255,255,.42); border-radius: 50%; content: ""; }
.journey-authority-grid { position: relative; display: grid; grid-template-columns: 260px minmax(0, 830px); align-items: center; justify-content: center; gap: clamp(42px, 7vw, 92px); }
.journey-authority-mark { display: grid; justify-items: center; gap: 17px; }
.journey-authority-mark > p { display: grid; gap: 2px; margin: 0; text-align: center; }
.journey-authority-mark > p strong { color: var(--forest); font-size: .7rem; letter-spacing: .055em; text-transform: uppercase; }
.journey-authority-mark > p span { color: var(--ink-soft); font-size: .65rem; }
.journey-seal { display: grid; width: 240px; height: 240px; place-items: center; border: 1px solid #b9cec2; border-radius: 50%; background: radial-gradient(circle, var(--white) 0 51%, transparent 52%), repeating-conic-gradient(from 0deg, #d0e3d8 0 4deg, transparent 4deg 9deg); box-shadow: inset 0 0 0 12px rgba(255,255,255,.48), 0 24px 50px rgba(16,67,54,.1); text-align: center; }
.journey-seal span { display: block; color: var(--coral-deep); font-family: Georgia, serif; font-size: 3rem; line-height: 1; }
.journey-seal small { display: block; margin-top: -74px; color: var(--ink-soft); font-size: .68rem; font-weight: 800; letter-spacing: .08em; line-height: 1.35; text-transform: uppercase; }
.journey-authority h2 { max-width: 720px; font-size: clamp(2rem, 4vw, 3.15rem); }
.journey-authority p { margin: 19px 0; color: var(--ink-soft); }
.journey-authority a { color: var(--coral-deep); }
.journey-authority-facts { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 9px; margin-top: 24px; }
.journey-authority-facts article { min-width: 0; padding: 17px 15px; border: 1px solid rgba(22,72,59,.1); border-radius: 16px; background: rgba(255,255,255,.64); }
.journey-authority-facts span { display: block; margin-bottom: 15px; color: var(--coral-deep); font-family: Georgia, serif; font-size: .72rem; }
.journey-authority-facts strong { display: block; overflow-wrap: anywhere; font-size: .76rem; line-height: 1.25; }
.journey-authority-facts small { display: block; margin-top: 6px; color: var(--ink-soft); font-size: .62rem; line-height: 1.35; }
.journey-authority-links { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 20px; }
.journey-authority-links a { font-size: .77rem; font-weight: 800; text-underline-offset: 4px; }
.journey-authority.journey-stage--2 .journey-seal { border-radius: 38% 62% 45% 55% / 55% 42% 58% 45%; }
.journey-authority.journey-stage--3 .journey-authority-facts article:nth-child(2) { color: var(--white); background: var(--forest); }
.journey-authority.journey-stage--3 .journey-authority-facts article:nth-child(2) small { color: #cfe0d9; }

.journey-cta { background: var(--cream); }
.journey-cta-inner { position: relative; display: grid; grid-template-columns: minmax(300px, .76fr) minmax(0, 1.24fr); align-items: stretch; gap: clamp(34px, 5vw, 64px); padding: clamp(24px, 4vw, 40px); overflow: hidden; border: 1px solid rgba(255,255,255,.09); border-radius: 34px 34px 90px 34px; color: var(--white); background: linear-gradient(145deg, #123f34, #092a22); box-shadow: 0 30px 75px rgba(9,43,35,.23); }
.journey-cta-inner::before { position: absolute; top: -210px; right: -160px; width: 480px; height: 480px; border: 75px solid rgba(255,255,255,.025); border-radius: 50%; content: ""; }
.journey-cta-art { position: relative; display: flex; min-height: 390px; align-items: end; overflow: hidden; border: 1px solid rgba(255,255,255,.18); border-radius: 22px 22px 70px 22px; background-color: #174d3f; background-image: radial-gradient(circle at 72% 24%, rgba(255,185,153,.42) 0 8%, transparent 8.3%), radial-gradient(circle at 72% 24%, transparent 0 19%, rgba(255,255,255,.12) 19.2% 19.8%, transparent 20%), radial-gradient(circle at 8% 102%, rgba(255,255,255,.12) 0 28%, transparent 28.3%), linear-gradient(145deg, #1c5c4c 0%, #103b31 52%, #09281f 100%); background-position: center; background-repeat: no-repeat; background-size: cover; text-decoration: none; }
.journey-cta-art::before { position: absolute; z-index: 2; inset: 0; background: linear-gradient(180deg, rgba(6,28,23,.04) 8%, rgba(6,28,23,.18) 48%, rgba(6,28,23,.92) 100%); content: ""; pointer-events: none; }
.journey-cta-art::after { position: absolute; z-index: 4; inset: 0; border: 1px solid rgba(255,255,255,.08); border-radius: inherit; content: ""; pointer-events: none; }
.journey-cta-photo { position: absolute; z-index: 0; inset: 0; width: 100%; height: 100%; object-fit: cover; object-position: var(--cta-photo-position, center); filter: var(--page-photo-filter, none); transition: transform .55s cubic-bezier(.2,.7,.2,1); }
.journey-cta-composite-overlay { position: absolute; z-index: 1; inset: 0; display: block; padding: 0; background-position: center; background-repeat: no-repeat; background-size: cover; pointer-events: none; }
.journey-cta-art:hover .journey-cta-photo { transform: scale(1.035); }
.journey-cta-art > span:not(.journey-cta-composite-overlay) { position: relative; z-index: 3; display: grid; gap: 5px; padding: 25px; }
.journey-cta-art small { color: #ffb999; font-size: .62rem; font-weight: 850; letter-spacing: .09em; text-transform: uppercase; }
.journey-cta-art strong { max-width: 300px; overflow-wrap: anywhere; color: var(--white); font-family: Georgia, serif; font-size: 1.45rem; line-height: 1.12; hyphens: auto; }
.journey-cta-art b { margin-top: 7px; color: #fff3ec; font-size: .75rem; }
.journey-cta-art:hover b { color: #ffb999; }
.journey-cta-copy { display: flex; align-items: start; flex-direction: column; justify-content: center; padding: 18px 8px 18px 0; }
.journey-cta .eyebrow { color: #ffb999; }
.journey-cta h2 { max-width: 720px; color: var(--white); font-size: clamp(2rem, 4vw, 3.4rem); }
.journey-cta p { max-width: 650px; margin: 17px 0 0; color: #cfe0d9; }
.journey-cta-summary { display: flex; flex-wrap: wrap; gap: 7px; width: 100%; margin-top: 22px; }
.journey-cta-summary span { display: inline-flex; min-width: 0; align-items: center; gap: 7px; padding: 8px 10px; border: 1px solid rgba(255,255,255,.12); border-radius: 999px; color: #e6f0eb; background: rgba(255,255,255,.045); font-size: .62rem; font-weight: 760; }
.journey-cta-summary b { display: grid; width: 22px; height: 22px; place-items: center; border-radius: 50%; color: var(--white); background: var(--coral); font-family: Georgia, serif; font-size: .58rem; }
.journey-cta-actions { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); align-items: stretch; gap: 10px; width: 100%; margin-top: 25px; }
.journey-cta .btn-secondary { color: var(--white); border-color: rgba(255,255,255,.34); background: rgba(255,255,255,.08); }
.journey-cta-actions small { grid-column: 1 / -1; color: #9db9ae; font-size: .67rem; line-height: 1.45; text-align: left; }
.journey-cta.journey-stage--2 .journey-cta-inner { border-radius: 90px 34px 34px 34px; }
.journey-cta.journey-stage--2 .journey-cta-art { border-radius: 70px 22px 22px 22px; }
.journey-cta.journey-stage--3 .journey-cta-art { background-image: radial-gradient(circle at 26% 24%, rgba(255,185,153,.46) 0 8%, transparent 8.3%), radial-gradient(circle at 26% 24%, transparent 0 19%, rgba(255,255,255,.12) 19.2% 19.8%, transparent 20%), linear-gradient(145deg, #7d3826 0%, #123f34 60%, #09281f 100%); }
.generated-article-layout { grid-template-columns: 220px minmax(0, 820px); justify-content: center; }
.article-content .deep-grid, .article-content .answer-grid, .article-content .factor-grid, .article-content .decision-grid { margin: 30px 0 42px; }
.deep-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 15px; }
.deep-card { padding: 24px; border: 1px solid var(--line); border-radius: 18px; background: var(--white); }
.deep-card > span { color: var(--coral); font-family: Georgia, serif; font-size: 1.35rem; }
.deep-card h3 { margin-top: 9px; }
.deep-card p:last-child { margin-bottom: 0; }
.answer-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 14px; }
.answer-card { position: relative; padding: 26px; overflow: hidden; border-radius: 20px; background: var(--sage-soft); }
.answer-number { position: absolute; top: 9px; right: 15px; color: rgba(18, 67, 54, .12); font-family: Georgia, serif; font-size: 3.4rem; line-height: 1; }
.answer-card h3 { position: relative; padding-right: 28px; }
.answer-card p:last-child { margin-bottom: 0; }
.factor-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1px; overflow: hidden; border: 1px solid var(--line); border-radius: 20px; background: var(--line); }
.factor-card { padding: 25px; background: var(--white); }
.factor-card p:last-child { margin-bottom: 0; }
.numbered-steps { display: grid; gap: 12px; margin: 28px 0 38px; padding: 0; list-style: none; counter-reset: step; }
.numbered-steps li { position: relative; padding: 18px 20px 18px 60px; border-radius: 16px; background: var(--sage-soft); counter-increment: step; }
.numbered-steps li::before { position: absolute; top: 15px; left: 17px; display: grid; width: 30px; height: 30px; place-items: center; border-radius: 50%; color: var(--white); background: var(--forest); font-size: .75rem; font-weight: 800; content: counter(step); }
.checklist { display: grid; gap: 10px; margin: 28px 0 40px; padding: 0 !important; list-style: none; }
.checklist li { position: relative; margin: 0 !important; padding: 15px 18px 15px 48px; border: 1px solid var(--line); border-radius: 14px; background: var(--white); }
.checklist li::before { position: absolute; top: 13px; left: 15px; display: grid; width: 24px; height: 24px; place-items: center; border-radius: 50%; color: var(--white); background: var(--forest); font-size: .72rem; content: "✓"; }
.decision-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 14px; }
.decision-card { padding: 23px; border-top: 3px solid var(--coral); border-radius: 8px 8px 18px 18px; background: #fff7f1; }
.decision-card h3 { margin-top: 0; font-size: 1.02rem; }
.decision-card p { font-size: .86rem; }
.decision-card p:last-child { margin-bottom: 0; }
.editorial-note, .source-box { margin: 42px 0 0; padding: 22px 24px; border-radius: 16px; font-size: .84rem; }
.editorial-note { border: 1px solid #ecd2c3; background: #fff7f1; }
.source-box { border: 1px solid var(--line); background: var(--sage-soft); }
.editorial-note strong, .source-box strong { display: block; margin-bottom: 6px; color: var(--ink); }
.editorial-note p, .source-box p { margin: 0; color: var(--ink-soft); }
.cluster-links { background: var(--forest); }
.cluster-links .section-heading h2, .cluster-links .section-heading p { color: var(--white); }
.cluster-links .eyebrow { color: #ffb999; }
.cluster-link-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 10px; margin: 0; padding: 0; list-style: none; }
.cluster-link-grid a { display: block; min-height: 90px; padding: 17px; border: 1px solid rgba(255,255,255,.14); border-radius: 14px; color: var(--white); background: rgba(255,255,255,.06); font-size: .86rem; font-weight: 750; text-decoration: none; }
.cluster-link-grid a:hover { border-color: rgba(255,255,255,.35); background: rgba(255,255,255,.11); }
.cluster-link-grid span { display: block; margin-bottom: 7px; color: #ffb999; font-size: .63rem; letter-spacing: .06em; text-transform: uppercase; }
.related-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 14px; }
.related-card { display: block; min-height: 185px; padding: 23px; border: 1px solid var(--line); border-radius: 18px; color: var(--ink); background: var(--white); text-decoration: none !important; transition: transform .18s ease, border-color .18s ease; }
.related-card:hover { border-color: #b5ccbe; transform: translateY(-3px); }
.related-card span { display: block; margin-bottom: 16px; color: var(--coral-deep); font-size: .65rem; font-weight: 800; letter-spacing: .06em; text-transform: uppercase; }
.related-card strong { display: block; font-family: Georgia, serif; font-size: 1.2rem; }
.related-card p { margin: 10px 0 0; color: var(--ink-soft); font-size: .78rem; }

.longtail-hero h1 { max-width: 900px; font-size: clamp(2.65rem, 5.2vw, 4.7rem); }
.longtail-layout { padding-top: 62px; padding-bottom: 84px; }
.quick-answer { position: relative; margin-bottom: 55px; padding: 30px 32px; overflow: hidden; border-radius: 22px; color: var(--white); background: var(--forest); }
.quick-answer::after { position: absolute; right: -35px; bottom: -55px; width: 170px; height: 170px; border: 28px solid rgba(255,255,255,.06); border-radius: 50%; content: ""; }
.quick-answer > span { color: #ffb999; font-size: .66rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
.quick-answer h2 { margin: 7px 0 12px !important; color: var(--white); font-size: 1.8rem !important; }
.quick-answer p { position: relative; z-index: 1; max-width: 720px; color: #d9e8e2; }
.quick-answer p:last-child { margin-bottom: 0; }
.intent-focus { margin: -20px 0 58px; padding: 30px; border: 1px solid var(--line); border-radius: 24px; background: linear-gradient(145deg, #fff, #fbf7f1); box-shadow: 0 18px 50px rgba(20, 53, 45, .08); }
.intent-focus > h2 { margin: 7px 0 22px !important; font-size: clamp(1.55rem, 3vw, 2.15rem) !important; }
.intent-focus > p:last-child { margin: 22px 0 0; color: var(--ink-soft); font-size: .88rem; }
.intent-focus-grid, .intent-boundary-map { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 12px; }
.intent-focus-grid article, .intent-boundary-map article { padding: 20px; border-radius: 18px; background: var(--white); box-shadow: inset 0 0 0 1px rgba(19, 65, 54, .09); }
.intent-focus-grid article > span { color: var(--coral-deep); font-size: .68rem; font-weight: 850; letter-spacing: .08em; text-transform: uppercase; }
.intent-focus-grid h3, .intent-boundary-map h3 { margin: 8px 0 10px; font-size: 1rem; }
.intent-focus-grid p, .intent-boundary-map p { margin: 0; font-size: .84rem; }
.intent-evidence-path { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); overflow: hidden; border-radius: 18px; background: var(--forest); }
.intent-evidence-path > div { padding: 20px; color: var(--white); border-right: 1px solid rgba(255,255,255,.12); }
.intent-evidence-path > div:last-child { border-right: 0; }
.intent-evidence-path strong { color: #ffb899; font-size: .76rem; }
.intent-evidence-path p { margin: 8px 0 0; color: #dce9e4; font-size: .82rem; }
.intent-clause-card { display: grid; grid-template-columns: .72fr 2fr; overflow: hidden; border-radius: 18px; background: var(--forest); }
.intent-clause-card > div { display: grid; align-content: center; padding: 28px; color: var(--white); background: linear-gradient(145deg, var(--coral), #ad482c); }
.intent-clause-card > div span { font-size: .68rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
.intent-clause-card > div strong { margin-top: 8px; font-size: 1.15rem; }
.intent-clause-card dl { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); margin: 0; padding: 8px; }
.intent-clause-card dl div { padding: 15px; }
.intent-clause-card dt { color: #ffb899; font-weight: 800; }
.intent-clause-card dd { margin: 5px 0 0; color: #dce9e4; font-size: .82rem; }
.intent-ledger { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px; margin: 0; padding: 0; list-style: none; }
.intent-ledger li { display: grid; grid-template-columns: 42px 1fr; gap: 13px; padding: 18px; border-radius: 18px; background: var(--sage-soft); }
.intent-ledger li > span { display: grid; place-items: center; width: 42px; height: 42px; border-radius: 50%; color: var(--white); background: var(--coral); font-weight: 900; }
.intent-ledger p { margin: 4px 0 0; font-size: .83rem; }
.intent-boundary-map { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.intent-focus-editorial blockquote { margin: 0; padding: 24px 26px; border-left: 5px solid var(--coral); border-radius: 0 18px 18px 0; background: var(--sage-soft); }
.intent-focus-editorial blockquote p { margin: 0; font-size: 1.03rem; }
.intent-deep-dive { margin: 0 0 64px; padding: 32px; border-radius: 26px; color: var(--white); background: linear-gradient(145deg, #113b32, #1d5447); box-shadow: 0 24px 64px rgba(17, 59, 50, .16); }
.intent-deep-dive > h2 { max-width: 760px; margin: 8px 0 13px !important; color: var(--white); font-size: clamp(1.75rem, 3.4vw, 2.5rem) !important; }
.intent-deep-dive > p { max-width: 760px; margin: 0 0 25px; color: #dce9e4; }
.intent-deep-dive-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px; }
.intent-deep-dive-grid article { position: relative; min-height: 225px; padding: 24px; overflow: hidden; border: 1px solid rgba(255,255,255,.12); border-radius: 19px; background: rgba(255,255,255,.065); }
.intent-deep-dive-grid article > span { display: inline-grid; width: 34px; height: 34px; place-items: center; border-radius: 50%; color: #173f35; background: #ffb899; font-size: .68rem; font-weight: 900; }
.intent-deep-dive-grid h3 { margin: 17px 0 10px; color: var(--white); font-size: 1.08rem; }
.intent-deep-dive-grid p { margin: 0; color: #dce9e4; font-size: .86rem; line-height: 1.72; }
[data-content-layout="decision-map"] .intent-focus { border-top: 5px solid var(--coral); }
[data-content-layout="case-led"] .intent-focus { background: linear-gradient(145deg, #f1f5ee, #fff); }
[data-content-layout="evidence-first"] .quick-answer { background: linear-gradient(135deg, #123d34, #255e50); }
[data-content-layout="checklist-led"] .intent-focus { box-shadow: 0 20px 55px rgba(208, 87, 48, .12); }
[data-content-layout="comparison-led"] .intent-focus { border-color: rgba(208, 87, 48, .34); }
.action-list { display: grid; gap: 14px; margin: 28px 0 38px; padding: 0 !important; list-style: none; }
.action-list li { display: grid; grid-template-columns: 44px 1fr; gap: 14px; margin: 0 !important; padding: 21px; border: 1px solid var(--line); border-radius: 17px; }
.action-list li > span { display: grid; width: 38px; height: 38px; place-items: center; border-radius: 50%; color: var(--white); background: var(--coral); font-family: Georgia, serif; }
.action-list strong { color: var(--ink); }
.action-list p { margin: 6px 0 0; font-size: .86rem; }
.question-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 12px; margin: 28px 0 38px; }
.question-grid article { padding: 22px; border-radius: 17px; background: var(--sage-soft); }
.question-grid h3 { margin-top: 0; font-size: 1rem; }
.question-grid p { margin-bottom: 0; font-size: .82rem; }
.cluster-pagination { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 10px; margin-top: 48px; padding-top: 28px; border-top: 1px solid var(--line); }
.cluster-pagination a { padding: 16px; border: 1px solid var(--line); border-radius: 14px; color: var(--ink); background: var(--white); font-size: .8rem; font-weight: 720; text-decoration: none; }
.cluster-pagination a:nth-child(2) { text-align: center; }
.cluster-pagination a:last-child { text-align: right; }
.cluster-pagination span { display: block; margin-bottom: 5px; color: var(--coral-deep); font-size: .61rem; letter-spacing: .06em; text-transform: uppercase; }

.consent-banner { position: fixed; z-index: 250; right: 20px; bottom: 20px; left: 20px; display: none; }
.consent-banner.visible { display: block; }
.consent-inner { display: flex; max-width: 900px; align-items: center; gap: 20px; margin-inline: auto; padding: 19px 22px; border: 1px solid var(--line); border-radius: 18px; background: var(--white); box-shadow: var(--shadow-md); }
.consent-inner p { flex: 1; margin: 0; font-size: .82rem; }
.consent-actions { display: flex; gap: 8px; }
.consent-actions .btn { min-height: 42px; padding: 9px 15px; font-size: .8rem; }

@media (min-width: 901px) and (max-width: 1180px) {
  .header-inner { gap: 16px; }
  .brand { gap: 8px; font-size: 1.12rem; }
  .brand img { width: 34px; height: 34px; }
  .main-nav-list > li > a, .nav-trigger { padding-inline: 7px; font-size: .82rem; }
  .header-actions { gap: 9px; }
  .header-actions .btn { padding-inline: 14px; font-size: .84rem; }
}

@media (max-width: 1080px) {
  .main-nav-list > li:nth-child(4) { display: none; }
  .insurance-grid { grid-template-columns: repeat(3, 1fr); }
  .article-layout { grid-template-columns: 190px minmax(0, 700px); padding-inline: 20px; }
  .side-note { display: none; }
  .related-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .cluster-link-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .footer-topic-grid, .footer-resource-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .journey-proof-grid, .journey-problem-grid, .journey-solution-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .journey-proof-grid > div:nth-child(3) { border-left: 0; }
  .journey-proof-grid > div:nth-child(n+3) { border-top: 1px solid var(--line); }
  .product-profile-layout { grid-template-columns: minmax(0, 1fr); gap: 42px; }
  .product-profile-intro { max-width: 720px; }
  .product-profile-card { width: 100%; max-width: 760px; }
}

@media (max-width: 900px) {
  :root { --header-height: 68px; }
  .site-header { background: rgba(255, 250, 244, .99); backdrop-filter: none; }
  .utility-list li:nth-child(2), .utility-links { display: none; }
  .main-nav, .header-actions .btn { display: none; }
  .header-inner { justify-content: space-between; }
  .header-actions { margin-left: auto; gap: 9px; }
  .mobile-menu-toggle { display: inline-grid; }
  .main-nav.mobile-visible { position: fixed; z-index: 110; top: var(--mobile-nav-top, var(--header-height)); right: 0; bottom: 0; left: 0; display: block; overflow: auto; overscroll-behavior: contain; padding: 22px 20px max(40px, env(safe-area-inset-bottom)); background: var(--cream); box-shadow: 0 24px 60px rgba(15, 53, 44, .18); }
  .main-nav.mobile-visible .main-nav-list { display: grid; justify-content: stretch; }
  .main-nav.mobile-visible .main-nav-list > li, .main-nav.mobile-visible .main-nav-list > li:nth-child(4) { display: block; }
  .main-nav.mobile-visible .main-nav-list > li > a, .main-nav.mobile-visible .nav-trigger { width: 100%; min-height: 52px; justify-content: space-between; padding: 12px 14px; font-size: 1rem; }
  .mega-menu { position: static; display: none; width: 100%; max-height: none; overflow: visible; padding: 14px; border: 0; border-radius: 14px; box-shadow: none; opacity: 1; visibility: visible; transform: none; }
  .has-mega.open .mega-menu { display: block; transform: none; }
  .mega-grid { grid-template-columns: 1fr; }
  .mega-links { grid-template-columns: 1fr; }
  .mega-links a { min-height: 46px; }

  .hero, .hero-inner { min-height: 650px; }
  .hero-media::after { background: linear-gradient(90deg, rgba(255,250,244,.98), rgba(255,250,244,.83) 60%, rgba(255,250,244,.2)); }
  .hero-copy { width: 75%; }
  .home-hero-card { display: none; }
  .proof-inner { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .proof-item:nth-child(3)::before { display: none; }
  .proof-item:nth-child(n+3) { border-top: 1px solid var(--line); }
  .insurance-grid { grid-template-columns: repeat(2, 1fr); }
  .finder-shell, .editorial-grid, .article-hero-inner { grid-template-columns: minmax(0, 1fr); }
  .finder-intro, .finder-panel { min-width: 0; }
  .finder-intro h2, .finder-intro p, .finder-intro li { overflow-wrap: anywhere; hyphens: auto; }
  .finder-intro { padding-bottom: 20px; }
  .trust-grid { grid-template-columns: repeat(2, 1fr); }
  .article-layout { grid-template-columns: minmax(0, var(--reading)); }
  .toc { position: static; max-height: none; padding: 20px; border-radius: 18px; background: var(--sage-soft); }
  .toc ol { grid-template-columns: 1fr 1fr; }
  .toc a { border: 0; }
  .footer-grid { grid-template-columns: 1.3fr 1fr 1fr; }
  .footer-about { grid-column: 1 / -1; }
  .footer-lead, .footer-directory-head { grid-template-columns: 1fr; align-items: start; gap: 27px; }
  .footer-lead-actions { min-width: 0; align-items: center; flex-direction: row; }
  .footer-lead-actions .btn { width: auto; }
  .hub-intro-grid, .category-head { grid-template-columns: minmax(0, 1fr); }
  .institutional-hero { min-height: 0; padding: 58px 0 84px; }
  .institutional-hero-grid { grid-template-columns: 1fr; gap: 40px; }
  .institutional-hero-copy { max-width: 780px; }
  .institutional-hero-panel { min-height: 0; }
  .error-hero { min-height: 0; padding: 58px 0 84px; }
  .error-hero-grid { grid-template-columns: 1fr; gap: 40px; }
  .hub-intro-grid > *, .hub-stat > * { min-width: 0; overflow-wrap: anywhere; }
  .hub-stat { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .topic-list { grid-template-columns: repeat(2, 1fr); }
  .cluster-hero-grid, .longtail-hero-grid { grid-template-columns: 1fr; }
  .cluster-hero, .longtail-hero { min-height: 0; padding: 58px 0 104px; }
  .cluster-hero, .longtail-hero { background-image: radial-gradient(circle at 88% 14%, rgba(195,75,34,.11) 0 11%, transparent 11.3%), radial-gradient(circle at 72% 84%, rgba(22,72,59,.1) 0 18%, transparent 18.3%), linear-gradient(155deg, #fffaf4 0%, #f7f4ed 58%, #e5eee7 100%); background-position: center; }
  .cluster-hero-grid, .longtail-hero-grid { gap: 42px; }
  .journey-hero-copy { max-width: 760px; }
  .hero-visual-column { min-height: 570px; }
  .premium-hero-visual { inset: 0 0 14px; }
  .hero-context-card { bottom: -32px; left: 22px; width: min(calc(100% - 44px), 430px); }
  .journey-heading { grid-template-columns: 1fr; gap: 18px; }
  .journey-problem-layout { grid-template-columns: 1fr; }
  .journey-problem .journey-heading { position: relative; top: auto; }
  .journey-process-shell { grid-template-columns: 1fr; }
  .journey-process-grid { grid-template-columns: 1fr; }
  .journey-process-outcome { min-height: 330px; }
  .journey-authority-grid { grid-template-columns: 180px minmax(0, 1fr); gap: 42px; }
  .journey-seal { width: 180px; height: 180px; }
  .journey-seal small { margin-top: -60px; }
  .profile-cta-band-inner { grid-template-columns: 1fr; }
  .profile-cta-band-action { max-width: 620px; }
  .journey-cta-inner { grid-template-columns: minmax(0, 1fr); }
  .journey-cta-inner > *, .journey-cta-actions { min-width: 0; }
  .journey-cta-art { min-height: 440px; }
  .generated-article-layout { grid-template-columns: minmax(0, var(--reading)); }
  .question-grid { grid-template-columns: 1fr; }
  .intent-focus-grid, .intent-boundary-map, .intent-evidence-path, .intent-deep-dive-grid { grid-template-columns: 1fr 1fr; }
  .intent-clause-card { grid-template-columns: 1fr; }
  .product-profile-layout { grid-template-columns: 1fr; }
  .product-profile-intro { max-width: 720px; }
  .product-profile-card { width: 100%; max-width: 720px; }
}

@media (max-width: 650px) {
  .container, .narrow { width: min(calc(100% - 28px), var(--content)); }
  .page-hero h1 { max-width: 100%; overflow-wrap: anywhere; hyphens: auto; font-size: clamp(2.05rem, 9.4vw, 2.65rem); line-height: .99; }
  .institutional-hero { padding: 38px 0 66px; }
  .institutional-hero h1 { font-size: clamp(2.15rem, 10vw, 3rem); line-height: 1; }
  .institutional-hero .lead { margin-top: 18px; font-size: .97rem; line-height: 1.58; }
  .institutional-hero-actions { align-items: stretch; flex-direction: column; }
  .institutional-hero-actions .btn { width: 100%; }
  .institutional-proof { grid-template-columns: 1fr; }
  .institutional-proof li { padding: 11px 13px; }
  .institutional-hero .hero-meta { margin-top: 18px; }
  .institutional-hero-panel { padding: 30px 24px 32px; border-radius: 25px 25px 70px 25px; box-shadow: 0 24px 64px rgba(12,45,37,.2), 0 0 0 5px rgba(255,255,255,.36); }
  .institutional-hero-panel h2 { font-size: clamp(1.85rem, 8.5vw, 2.5rem); }
  .error-hero { padding: 40px 0 68px; }
  .error-hero h1 { font-size: clamp(2.25rem, 10.5vw, 3.25rem); }
  .error-hero .lead { font-size: .97rem; line-height: 1.58; }
  .error-hero-panel { padding: 29px 23px 32px; border-radius: 24px 24px 68px 24px; box-shadow: 0 24px 64px rgba(12,45,37,.2), 0 0 0 5px rgba(255,255,255,.36); }
  .section { padding: 68px 0; }
  .section-sm { padding: 48px 0; }
  .utility-inner { justify-content: center; }
  .brand { font-size: 1.12rem; }
  .brand img { width: 34px; height: 34px; }
  .hero { min-height: 730px; }
  .hero-media { inset: auto 0 0; height: 49%; }
  .hero-media::after { background: linear-gradient(180deg, var(--cream) 0%, rgba(255,250,244,.05) 48%); }
  .hero-media img { object-position: 67% center; }
  .hero-inner { min-height: 730px; align-items: start; padding: 55px 0; }
  .hero-copy { width: 100%; }
  .hero h1 { font-size: clamp(2.55rem, 13vw, 3.75rem); }
  .hero .lead { font-size: 1rem; }
  .hero-trust { display: none; }
  .proof-strip { margin-top: -20px; }
  .proof-inner { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .proof-item { min-width: 0; padding: 16px 13px; overflow-wrap: anywhere; }
  .proof-value { font-size: 1rem; }
  .section-heading { align-items: start; flex-direction: column; margin-bottom: 28px; }
  .insurance-grid, .card-grid, .tool-grid, .trust-grid { grid-template-columns: 1fr; }
  .insurance-card { min-height: 175px; }
  .finder-options { grid-template-columns: 1fr; }
  .finder-panel { margin: 8px; padding: 24px 18px; }
  .finder-result-head { flex-direction: column; }
  .editorial-visual { min-height: 410px; }
  .editorial-paper { padding: 28px; }
  .newsletter { grid-template-columns: 1fr; }
  .article-hero { padding-top: 42px; }
  .article-summary { padding: 23px; }
  .article-layout { padding-top: 38px; }
  .toc ol { grid-template-columns: 1fr; }
  .article-content table { display: block; overflow-x: auto; }
  .author-box { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-about { grid-column: 1 / -1; }
  .site-footer { padding-top: 58px; }
  .footer-lead { padding-bottom: 42px; }
  .footer-lead-actions { width: 100%; align-items: stretch; flex-direction: column; }
  .footer-lead-actions .btn { width: 100%; }
  .footer-insurance-directory { padding-block: 45px; }
  .footer-topic-grid, .footer-resource-grid { grid-template-columns: 1fr; }
  .footer-topic-group ul { grid-template-columns: 1fr; }
  .footer-topic-link { min-height: 36px; align-items: center; }
  .footer-resource-grid { gap: 34px; padding-top: 46px; }
  .footer-bottom { align-items: start; flex-direction: column; }
  .consent-inner { align-items: stretch; flex-direction: column; }
  .consent-actions { flex-wrap: wrap; }
  .topic-list { grid-template-columns: 1fr; }
  .deep-grid, .answer-grid, .factor-grid, .decision-grid, .related-grid, .cluster-link-grid, .cluster-pagination { grid-template-columns: 1fr; }
  .cluster-hero, .longtail-hero { min-height: 0; padding: 38px 0 88px; }
  .cluster-hero-grid, .longtail-hero-grid { gap: 24px; }
  body[data-page-visual] .page-hero, body[data-page-visual] .article-hero { min-height: 540px; background-image: linear-gradient(180deg, rgba(255,250,244,.99) 0%, rgba(255,250,244,.93) 56%, rgba(255,250,244,.3) 100%), var(--page-hero-overlay, var(--page-hero-image)), var(--page-hero-photo); background-position: center, center, 68% center; background-size: cover, cover, cover; }
  .cluster-hero h1, .longtail-hero h1 { overflow-wrap: break-word; word-break: normal; hyphens: none; font-size: clamp(2.08rem, 9.25vw, 3.05rem); line-height: 1; text-wrap: balance; }
  .longtail-hero h1.hero-title-medium { overflow-wrap: normal; font-size: clamp(1.82rem, 8vw, 2.4rem); }
  .longtail-hero h1.hero-title-long { overflow-wrap: normal; font-size: clamp(1.5rem, 6.4vw, 1.95rem); line-height: 1.08; }
  .cluster-hero .lead, .longtail-hero .lead { margin-top: 17px; font-size: .96rem; line-height: 1.56; }
  .journey-hero-actions { margin-top: 21px; }
  .journey-hero-actions .btn { width: 100%; }
  .hero-conversion-proof { display: none; }
  .hero-meta { gap: 5px 13px; margin-top: 15px; font-size: .66rem; }
  .hero-visual-column { min-height: 470px; margin-top: -4px; }
  .premium-hero-visual { inset: 0 0 28px; border-radius: 24px 24px 72px 24px; background-position: 58% center; }
  .hero-visual-badge { top: 15px; left: 15px; }
  .premium-hero-visual figcaption { right: 18px; bottom: 20px; max-width: 230px; padding: 12px 14px; }
  .hero-context-card { bottom: -30px; left: 12px; width: calc(100% - 24px); padding: 20px; }
  .journey-proof { margin-top: -28px; }
  .journey-proof-grid, .journey-problem-grid, .journey-solution-grid, .journey-process-grid { grid-template-columns: 1fr; }
  .journey-solution--longtail .journey-solution-grid { grid-template-columns: 1fr; }
  .journey-proof-grid > div + div { border-top: 1px solid var(--line); border-left: 0; }
  .journey-proof-grid > div { padding: 18px; }
  .journey-problem { padding-top: 62px; }
  .journey-problem .journey-heading { padding: 25px 22px; border-radius: 22px 22px 58px 22px; }
  .journey-problem-grid article, .journey-solution-grid article { min-height: 0; }
  .journey-problem-grid article:nth-child(2n), .journey-problem-grid article:nth-child(2n):hover { transform: none; }
  .journey-card-top { margin-bottom: 23px; }
  .journey-problem-counterpoint { grid-template-columns: 1fr; gap: 17px; padding: 23px 21px; }
  .journey-problem-counterpoint > span { width: auto; height: auto; justify-self: start; padding: 7px 10px; border-radius: 999px; font-family: inherit; font-size: .61rem; font-weight: 850; letter-spacing: .07em; text-transform: uppercase; }
  .journey-solution-caption { align-items: start; justify-content: start; }
  .profile-cta-band { padding-block: 20px; }
  .profile-cta-band--deep { padding-block: 32px; }
  .profile-cta-band-inner { gap: 22px; padding: 24px 21px 25px; border-radius: 21px 21px 52px 21px; }
  .profile-cta-band-copy h2 { font-size: clamp(1.55rem, 7.4vw, 2.2rem); }
  .profile-cta-band-copy p { font-size: .8rem; }
  .profile-cta-band-action .btn { min-width: 0; min-height: 54px; overflow-wrap: anywhere; }
  .profile-cta-band-proof { align-items: start; flex-direction: column; padding-left: 4px; }
  .editorial-moment-card { min-height: 560px; border-radius: 24px 24px 70px 24px; }
  .editorial-moment-copy { right: 22px; bottom: 25px; left: 22px; }
  .editorial-moment-copy h2 { font-size: clamp(2rem, 9.6vw, 3rem); }
  .editorial-moment-copy p { margin-block: 12px 16px; font-size: .8rem; }
  .editorial-moment-kicker { max-width: 92%; font-size: .57rem; }
  .article-visual-break { grid-template-columns: 1fr; min-height: 0; margin: 36px 0 44px; border-radius: 20px 20px 48px 20px; }
  .article-visual-break-art, .article-visual-break-art img { min-height: 235px; }
  .article-visual-break-copy { padding: 25px 22px 29px; }
  .journey-authority-grid { grid-template-columns: 1fr; }
  .journey-authority-facts { grid-template-columns: 1fr; }
  .journey-authority-facts article { padding: 16px; }
  .journey-authority-facts span { margin-bottom: 8px; }
  .journey-seal { width: 150px; height: 150px; }
  .journey-seal span { font-size: 2.25rem; }
  .journey-seal small { margin-top: -49px; font-size: .58rem; }
  .journey-cta-inner, .journey-cta.journey-stage--2 .journey-cta-inner { gap: 28px; padding: 20px; border-radius: 22px 22px 58px 22px; }
  .journey-cta-art { min-height: 300px; border-radius: 18px 18px 52px 18px; }
  .journey-cta-copy { padding: 0 3px 5px; }
  .journey-cta-actions { grid-template-columns: minmax(0, 1fr); }
  .journey-cta-actions .btn { min-width: 0; white-space: normal; overflow-wrap: anywhere; }
  .journey-cta-actions small { grid-column: 1; }
  .journey-cta .eyebrow { display: flex; width: 100%; overflow-wrap: anywhere; }
  .journey-cta-summary { display: grid; grid-template-columns: 1fr; }
  .search-overlay { padding: 12px; }
  .search-dialog { margin-top: 5vh; padding: 20px; border-radius: 20px; }
  .search-field { align-items: stretch; flex-direction: column; padding: 12px; border-radius: 18px; }
  .search-field > .icon { display: none; }
  .search-field .btn { width: 100%; }
  .search-field .search-autocomplete-panel { top: calc(100% + 8px); }
  .search-autocomplete-head { align-items: flex-start; flex-direction: column; gap: 2px; }
  .search-autocomplete-list { max-height: 46vh; }
  .search-autocomplete-list a { min-height: 53px; }
  .cluster-pagination a, .cluster-pagination a:nth-child(2), .cluster-pagination a:last-child { text-align: left; }
  .quick-answer { padding: 25px 23px; }
  .intent-focus { padding: 23px 20px; }
  .intent-deep-dive { padding: 25px 20px; border-radius: 22px; }
  .intent-deep-dive-grid article { min-height: 0; padding: 21px; }
  .intent-focus-grid, .intent-boundary-map, .intent-evidence-path, .intent-ledger, .intent-deep-dive-grid { grid-template-columns: 1fr; }
  .intent-evidence-path > div { border-right: 0; border-bottom: 1px solid rgba(255,255,255,.12); }
  .intent-evidence-path > div:last-child { border-bottom: 0; }
  .intent-clause-card dl { grid-template-columns: 1fr; }
  .product-profile-intro h2 { font-size: clamp(2.2rem, 11vw, 3.25rem); }
  .product-profile-flow { margin-top: 26px; }
  .product-profile-card { border-radius: 19px; }
  .product-profile-card form, .product-profile-result { padding: 23px 18px; }
  .product-profile-card-head, .product-profile-result-head { align-items: start; flex-direction: column; gap: 9px; }
  .product-profile-step legend { font-size: 1.55rem; }
  .product-profile-options label > span { min-height: 76px; padding: 12px; }
  .product-profile-actions { grid-template-columns: minmax(85px, auto) minmax(0, 1fr); }
  .product-profile-result-actions { grid-template-columns: 1fr; }
  .product-profile-result-actions button { grid-column: 1; }
}

@media (max-width: 360px) {
  .container, .narrow { width: min(calc(100% - 20px), var(--content)); }
  .header-inner { gap: 8px; }
  .brand { gap: 7px; font-size: 1rem; }
  .brand img { width: 30px; height: 30px; }
  .header-actions { gap: 6px; }
  .header-search, .mobile-menu-toggle { width: 44px; height: 44px; }
}

/* Site-wide safeguard for long, page-specific insurance terms. */
:where(h1, h2, h3, h4, h5, h6, p, li, dt, dd, legend, label, button, a, strong, b, em, small, span) {
  min-width: 0;
  max-width: 100%;
  overflow-wrap: anywhere !important;
  word-break: normal !important;
}

:where(h1, h2, h3, h4, h5, h6, legend) {
  hyphens: auto !important;
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { scroll-behavior: auto !important; transition-duration: .01ms !important; animation-duration: .01ms !important; animation-iteration-count: 1 !important; }
}

@media print {
  .utility-bar, .site-header, .toc, .side-note, .site-footer, .consent-banner, .article-hero .btn, .product-profile-section { display: none !important; }
  body { color: #000; background: #fff; }
  .article-layout { display: block; padding: 0; }
  .article-content { width: 100%; }
  a { color: #000; }
}