@font-face{font-family:'Cinzel';font-style:normal;font-weight:700;font-display:swap;src:url(/assets/fonts/cinzel-v26-700-latin.woff2) format('woff2');unicode-range:U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD}
@font-face{font-family:'Montserrat';font-style:normal;font-weight:400 700;font-display:swap;src:url(/assets/fonts/montserrat-v31-latin.woff2) format('woff2');unicode-range:U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD}

  :root{
    --navy:#0B1F3A; --gold:#C9A24A; --gold-deep:#A8842F; --white:#FFFFFF; --charcoal:#1F2328;
    --navy-2:#16325A; --blue:#0B1F3A; --sky:#F3F4F6;
    --gold-2:#A8842F; --gold-soft:#F3F4F6;
    --cream:#F5F6F8; --ink:#1F2328; --muted:#4B5260; --line:#DDE1E6;
    --ok:#1b7a4a; --err:#b42318;
    --radius:16px; --shadow:0 12px 32px rgba(11,31,58,.14); --shadow-sm:0 4px 14px rgba(11,31,58,.08);
    --wrap:1180px;
    --serif:'Cinzel', Georgia, 'Times New Roman', serif;
    --sans:'Montserrat', system-ui, -apple-system, 'Segoe UI', Roboto, Arial, sans-serif;
  }
  *,*::before,*::after{box-sizing:border-box}
  html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
  @media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important;animation:none!important}}
  body{margin:0;font-family:var(--sans);font-size:1.125rem;line-height:1.65;color:var(--ink);background:#fff}
  img,svg{display:block}
  h1,h2,h3{font-family:var(--serif);line-height:1.2;color:var(--navy);margin:0 0 .5em}
  h1{font-size:clamp(2.1rem,4.2vw,3.25rem);letter-spacing:-.01em}
  h2{font-size:clamp(1.75rem,3vw,2.4rem)}
  h3{font-size:1.35rem}
  p{margin:0 0 1em}
  a{color:var(--blue)}
  a[href^="tel:"],.nowrap{white-space:nowrap}
  a:hover{color:var(--navy)}
  :focus-visible{outline:3px solid var(--gold);outline-offset:3px;border-radius:6px}
  .wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
  .sr-only{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
  .skip{position:absolute;left:-9999px;top:8px;background:var(--gold);color:var(--navy);padding:10px 16px;border-radius:8px;font-weight:700;z-index:100}
  .skip:focus{left:8px}
  .ico{width:24px;height:24px;flex:none;stroke:currentColor;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}

  /* Buttons */
  .btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:56px;padding:14px 26px;border-radius:999px;border:2px solid transparent;font:700 1.125rem/1.2 var(--sans);text-decoration:none;cursor:pointer;transition:transform .15s ease,box-shadow .15s ease,background .15s ease;text-align:center}
  .btn:hover{transform:translateY(-1px)}
  .btn-gold{background:var(--gold);color:var(--navy);box-shadow:0 6px 18px rgba(201,162,74,.35)}
  .btn-gold:hover{background:var(--gold-2);color:var(--navy)}
  .btn-navy{background:var(--navy);color:#fff}
  .btn-navy:hover{background:var(--navy-2);color:#fff}
  .btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.7)}
  .btn-ghost:hover{background:rgba(255,255,255,.1);color:#fff}
  .btn-outline{background:#fff;color:var(--navy);border-color:var(--navy)}
  .btn-outline:hover{background:var(--sky);color:var(--navy)}
  .btn-block{width:100%}

  /* Header */
  .site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);backdrop-filter:saturate(1.4) blur(8px);border-bottom:1px solid var(--line)}
  .header-inner{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:76px}
  .brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--navy)}
  .brand-logo{height:64px;width:auto;flex:none;border-radius:10px;box-shadow:0 2px 8px rgba(11,31,58,.18)}
  .brand-name{font-family:var(--serif);font-weight:700;font-size:1.3rem;line-height:1.1}
  .brand-sub{display:block;font-family:var(--sans);font-weight:600;font-size:.85rem;color:var(--muted);letter-spacing:.02em}
  .nav{display:flex;align-items:center;gap:28px}
  .nav a{color:var(--ink);text-decoration:none;font-weight:600;font-size:1.05rem}
  .nav a:hover{color:var(--blue)}
  .header-call{min-height:52px;padding:10px 22px}
  .header-call .lbl{font-weight:600;font-size:.85rem;display:block;line-height:1.1;opacity:.85}
  .header-call .num{display:block;font-size:1.15rem;line-height:1.15}
  .header-call span.txt{display:flex;flex-direction:column;align-items:flex-start}

  /* Hero */
  .hero{position:relative;color:#fff;background:
      radial-gradient(900px 500px at 85% -10%, rgba(201,162,74,.18), transparent 60%),
      radial-gradient(700px 500px at -10% 110%, rgba(22,50,90,.6), transparent 60%),
      linear-gradient(160deg,var(--navy) 0%, var(--navy-2) 100%);
    padding:64px 0 72px;overflow:hidden}
  .hero::after{content:"";position:absolute;inset:0;pointer-events:none;opacity:.06;
    background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='40' height='40'%3E%3Cpath d='M20 4 8 8.5v8c0 7 5 11.5 12 13.5 7-2 12-6.5 12-13.5v-8z' fill='none' stroke='%23fff' stroke-width='1.2'/%3E%3C/svg%3E");background-size:56px 56px}
  .hero-grid{position:relative;z-index:1;display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:start}
  .eyebrow{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.22);color:#fff;font-weight:600;font-size:.98rem;padding:8px 16px;border-radius:999px;margin-bottom:22px}
  .eyebrow .ico{width:18px;height:18px;color:var(--gold)}
  .hero h1{color:#fff;margin-bottom:18px}
  .hero h1 em{font-style:normal;color:var(--gold)}
  .hero .lede{font-size:1.25rem;color:#E3E6EB;max-width:36em;margin-bottom:26px}
  .checks{list-style:none;padding:0;margin:0 0 32px;display:grid;gap:12px}
  .checks li{display:flex;gap:12px;align-items:flex-start;font-size:1.15rem;color:#fff}
  .checks .tick{flex:none;width:28px;height:28px;border-radius:50%;background:var(--gold);color:var(--navy);display:grid;place-items:center;margin-top:1px}
  .checks .tick .ico{width:16px;height:16px;stroke-width:3}
  .hero-ctas{display:flex;flex-wrap:wrap;gap:14px;align-items:center}
  .hero-ctas .btn-gold{font-size:1.25rem;min-height:62px;padding:16px 30px}
  .hero-note{margin:16px 0 0;color:#E3E6EB;font-size:1rem}
  .only-mobile{display:none}
  .hero-copy{display:flex;flex-direction:column;align-items:flex-start}

  /* Form card */
  .form-card{background:#fff;color:var(--ink);border-radius:20px;box-shadow:0 24px 60px rgba(0,0,0,.28);padding:32px;scroll-margin-top:96px;border-top:6px solid var(--gold)}
  .form-head h2{font-size:1.75rem;margin-bottom:4px}
  .form-head p{color:var(--muted);margin-bottom:18px;font-size:1.02rem}
  .grid-2{display:grid;grid-template-columns:1fr 1fr;gap:0 16px}
  .field{margin-bottom:14px}
  .field label{display:block;font-weight:700;font-size:1rem;margin-bottom:6px;color:var(--navy)}
  .field label .opt{font-weight:400;color:var(--muted)}
  .field input,.field select,.field textarea{width:100%;min-height:52px;padding:12px 14px;font:400 1.125rem/1.3 var(--sans);color:var(--ink);background:#fff;border:2px solid #B5BCC6;border-radius:10px;transition:border-color .15s, box-shadow .15s;-webkit-appearance:none;appearance:none}
  .field select{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='9' viewBox='0 0 14 9'%3E%3Cpath d='M1 1l6 6 6-6' stroke='%230B1F3A' stroke-width='2.2' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 14px center;padding-right:40px;cursor:pointer}
  .field textarea{min-height:92px;resize:vertical}
  .field input,.field select,.field textarea,.consent input{scroll-margin-top:120px}
  .field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 4px rgba(11,31,58,.18)}
  .field [aria-invalid="true"]{border-color:var(--err);background:#fffafa}
  .err{color:var(--err);font-size:.95rem;font-weight:600;margin:6px 0 0;min-height:0}
  .err:empty{display:none}
  .hp{position:absolute!important;left:-10000px!important;top:auto;width:1px;height:1px;overflow:hidden}
  .consent{display:flex;gap:12px;align-items:flex-start;background:var(--cream);border:2px solid #E4E7EB;border-radius:12px;padding:14px;margin:4px 0 6px}
  .consent.invalid{border-color:var(--err);background:#fff6f5}
  .consent input{flex:none;width:26px;height:26px;margin:2px 0 0;accent-color:var(--navy);cursor:pointer}
  .consent label{font-size:.9rem;line-height:1.5;color:#2B3036;cursor:pointer}
  .form-alert{border-radius:10px;padding:12px 14px;margin-bottom:14px;font-weight:600;font-size:1rem}
  .form-alert.error{background:#fff1f0;border:2px solid #f3c1bd;color:var(--err)}
  .form-alert a{color:var(--err);font-weight:700}
  .submit{margin-top:14px;font-size:1.25rem;min-height:62px}
  .submit[disabled]{opacity:.7;cursor:progress;transform:none}
  .form-foot{display:flex;align-items:center;justify-content:center;gap:8px;color:var(--muted);font-size:.92rem;line-height:1.35;margin:14px 0 0;text-align:center}
  .form-foot .ico{width:18px;height:18px}
  .form-alt{text-align:center;margin:8px 0 0;font-size:1rem;color:var(--muted)}
  .form-alt a{font-weight:700;color:var(--navy)}
  .thanks{text-align:center;padding:24px 4px}
  .thanks:focus{outline:none}
  .thanks-icon{width:76px;height:76px;border-radius:50%;background:#e6f4ec;color:var(--ok);display:grid;place-items:center;margin:0 auto 18px}
  .thanks-icon .ico{width:40px;height:40px;stroke-width:2.6}
  .thanks h2{font-size:1.9rem}
  .thanks p{color:var(--muted);font-size:1.1rem}
  .thanks .btn{margin-top:8px}

  /* Trust strip */
  .trust{background:var(--cream);border-bottom:1px solid #E4E7EB}
  .trust ul{list-style:none;margin:0 auto;padding:22px 24px;display:grid;grid-template-columns:repeat(4,1fr);gap:16px;max-width:var(--wrap)}
  .trust li{display:flex;align-items:center;gap:12px;font-weight:700;color:var(--navy);font-size:1.05rem;line-height:1.3}
  .trust .ico{color:var(--gold-2);width:28px;height:28px}

  /* Sections */
  section{scroll-margin-top:80px}
  .section{padding:88px 0}
  .section.alt{background:var(--cream)}
  .section-head{text-align:center;max-width:760px;margin:0 auto 48px}
  .kicker{display:inline-block;font-weight:700;letter-spacing:.12em;text-transform:uppercase;font-size:.9rem;color:var(--blue);margin-bottom:10px}
  .section-head p{color:var(--muted);font-size:1.2rem;margin:0}

  /* Products */
  .products{display:grid;grid-template-columns:repeat(6,1fr);gap:24px}
  .product{grid-column:span 2;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px 28px;display:flex;flex-direction:column;box-shadow:var(--shadow-sm);transition:box-shadow .2s, transform .2s}
  .product:hover{box-shadow:var(--shadow);transform:translateY(-2px)}
  .product:nth-child(4){grid-column:2 / span 2}
  .p-icon{width:60px;height:60px;border-radius:16px;background:var(--sky);color:var(--blue);display:grid;place-items:center;margin-bottom:18px}
  .p-icon .ico{width:30px;height:30px}
  .product h3{margin-bottom:10px}
  .product .for{font-weight:700;color:var(--navy);font-size:1rem;margin-bottom:8px}
  .product p{color:var(--muted);flex:1}
  .product .btn{align-self:flex-start;min-height:52px;padding:12px 22px;font-size:1.05rem}
  .help-pick{text-align:center;margin:36px 0 0;font-size:1.15rem;color:var(--muted)}
  .help-pick a{font-weight:700}
  .cross-link{text-align:center;margin:14px 0 0;font-size:1.05rem;color:var(--muted)}
  .cross-link a{font-weight:700}

  /* Steps */
  .steps{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(3,1fr);gap:28px;counter-reset:step}
  .step{position:relative;background:#fff;border-radius:var(--radius);padding:34px 28px 28px;box-shadow:var(--shadow-sm);border:1px solid #E4E7EB}
  .step-num{position:absolute;top:-22px;left:28px;width:46px;height:46px;border-radius:50%;background:var(--navy);color:var(--gold);font:700 1.3rem/46px var(--serif);text-align:center;box-shadow:0 0 0 6px var(--cream)}
  .step .ico{width:34px;height:34px;color:var(--blue);margin:10px 0 14px}
  .step p{color:var(--muted);margin:0}

  /* Why */
  .why-grid{display:grid;grid-template-columns:1fr 1.25fr;gap:56px;align-items:center}
  .meet{background:linear-gradient(160deg,var(--navy),var(--navy-2));color:#E3E6EB;border-radius:22px;padding:40px 36px;box-shadow:var(--shadow)}
  .monogram{width:88px;height:88px;border-radius:50%;background:var(--gold);color:var(--navy);display:grid;place-items:center;font:700 2rem var(--serif);margin-bottom:20px;box-shadow:0 0 0 6px rgba(255,255,255,.12)}
  .meet h3{color:#fff;font-size:1.6rem;margin-bottom:4px}
  .meet .role{color:var(--gold);font-weight:700;margin-bottom:16px}
  .meet p{font-size:1.1rem}
  .meet .btn{margin-top:6px}
  .reasons{display:grid;grid-template-columns:1fr 1fr;gap:24px}
  .reason{display:flex;flex-direction:column;gap:6px}
  .r-icon{width:52px;height:52px;border-radius:14px;background:var(--gold-soft);color:#A8842F;display:grid;place-items:center;margin-bottom:8px}
  .r-icon .ico{width:26px;height:26px}
  .reason h3{font-size:1.25rem;margin:0}
  .reason p{color:var(--muted);margin:0}

  /* FAQ */
  .faq{max-width:860px;margin:0 auto}
  .faq details{background:#fff;border:1px solid var(--line);border-radius:14px;margin-bottom:14px;box-shadow:var(--shadow-sm);overflow:hidden}
  .faq summary{list-style:none;cursor:pointer;padding:22px 64px 22px 24px;position:relative;font:700 1.2rem/1.35 var(--sans);color:var(--navy);min-height:64px}
  .faq summary::-webkit-details-marker{display:none}
  .faq summary::after{content:"";position:absolute;right:24px;top:50%;width:28px;height:28px;margin-top:-14px;border-radius:50%;background:var(--sky) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 14 14'%3E%3Cpath d='M7 1v12M1 7h12' stroke='%230B1F3A' stroke-width='2.2' stroke-linecap='round'/%3E%3C/svg%3E") center/14px no-repeat;transition:transform .2s}
  .faq details[open] summary::after{transform:rotate(45deg);background-color:var(--gold-soft)}
  .faq summary:hover{background:#F5F6F8}
  .faq .answer{padding:0 24px 22px;color:#2B3036}
  .faq .answer p:last-child{margin:0}

  /* CTA band */
  .cta-band{background:linear-gradient(120deg,var(--navy) 0%,var(--blue) 100%);color:#fff;padding:72px 0;text-align:center;position:relative;overflow:hidden}
  .cta-band h2{color:#fff;margin-bottom:12px}
  .cta-band p{color:#E3E6EB;font-size:1.25rem;max-width:640px;margin:0 auto 30px}
  .cta-band .btns{display:flex;gap:16px;justify-content:center;flex-wrap:wrap}
  .cta-band .btn{font-size:1.2rem;min-height:62px;padding:16px 30px}

  /* Footer */
  .site-footer{background:#0B1F3A;color:#E3E6EB;padding:56px 0 32px;font-size:1rem}
  .foot-grid{display:grid;grid-template-columns:1.25fr 1fr 1fr 1fr;gap:36px;margin-bottom:36px}
  .footer-logo{height:132px;width:auto;border-radius:14px;margin-bottom:18px;box-shadow:0 0 0 1px rgba(255,255,255,.14),0 8px 24px rgba(0,0,0,.35)}
  .site-footer h2{color:#fff;font-size:1.35rem;margin-bottom:10px}
  .site-footer h3{color:#fff;font-family:var(--sans);font-size:1rem;letter-spacing:.08em;text-transform:uppercase;margin-bottom:12px}
  .site-footer a{color:#fff;font-weight:600}
  .site-footer a:hover{color:var(--gold)}
  .foot-list{list-style:none;padding:0;margin:0;display:grid;gap:10px}
  .foot-list li{display:flex;gap:10px;align-items:center}
  .foot-list .ico{width:20px;height:20px;color:var(--gold)}
  .badge{display:inline-flex;align-items:center;gap:8px;border:1px solid rgba(255,255,255,.25);padding:6px 14px;border-radius:999px;color:#fff;font-weight:600;font-size:.95rem;margin-top:6px}
  .badge .ico{width:18px;height:18px;color:var(--gold)}
  .legal{border-top:1px solid rgba(255,255,255,.14);padding-top:24px;font-size:.92rem;line-height:1.6;color:#B8BFC9}
  .legal p{margin-bottom:.8em}
  .legal strong{color:#E3E6EB}

  /* Sticky mobile call bar */
  .callbar{display:none}

  /* Responsive */
  @media (max-width:1100px){
    .nav{gap:20px}
    .why-grid{grid-template-columns:1fr;gap:40px}
  }
  @media (max-width:960px){
    .nav{display:none}
    .hero{padding:40px 0 48px}
    .hero-grid{grid-template-columns:1fr;gap:32px}
    .only-mobile{display:inline-flex}
    .hero-ctas{order:4;margin-bottom:28px}
    .checks{order:5;margin-bottom:0}
    .hero-note{display:none}
    .trust ul{grid-template-columns:1fr 1fr}
    .products{grid-template-columns:1fr 1fr}
    .product,.product:nth-child(4){grid-column:auto}
    .product:nth-child(5){grid-column:1 / -1}
    .steps{grid-template-columns:1fr;gap:40px;max-width:620px;margin:0 auto}
    .foot-grid{grid-template-columns:1fr 1fr}
    .foot-grid > :first-child{grid-column:1 / -1}
  }
  @media (max-width:640px){
    body{font-size:1.125rem}
    .wrap{padding:0 18px}
    .header-inner{min-height:68px;gap:10px}
    .brand{gap:9px}
    .brand-name{max-width:9.5em}
    .brand-logo{height:50px;border-radius:8px}
    .brand-name{font-size:1.1rem}
    .brand-sub{font-size:.78rem}
    .header-call{min-height:48px;padding:8px 14px;gap:6px}
    .header-call .lbl{display:none}
    .header-call .num{font-size:1rem}
    .hero{padding:28px 0 40px}
    .eyebrow{font-size:.9rem;padding:6px 12px;margin-bottom:16px}
    .hero h1{font-size:2rem;margin-bottom:14px}
    .hero .lede{font-size:1.1rem;margin-bottom:22px}
    .checks li{font-size:1.08rem}
    .reason{display:grid;grid-template-columns:52px 1fr;column-gap:16px}
    .reason .r-icon{grid-row:span 2;margin:0}
    .hero-ctas{flex-direction:column;align-items:stretch;align-self:stretch}
    .hero-ctas .btn{width:100%}
    .form-card{padding:24px 18px;border-radius:16px}
    .grid-2{grid-template-columns:1fr}
    .trust ul{grid-template-columns:1fr;gap:12px;padding:20px 18px}
    .section{padding:64px 0}
    .section-head{margin-bottom:36px}
    .products{grid-template-columns:1fr}
    .product:nth-child(5){grid-column:auto}
    .product .btn{align-self:stretch}
    .reasons{grid-template-columns:1fr}
    .meet{padding:32px 24px}
    .cta-band .btns{flex-direction:column;align-items:stretch}
    .foot-grid{grid-template-columns:1fr;gap:28px}
    .faq summary{font-size:1.1rem;padding:18px 58px 18px 18px}
    .faq summary::after{right:16px}
    .faq .answer{padding:0 18px 18px}
  }
  @media (max-width:400px){
    .brand-sub{display:none}
    .brand-name{font-size:1.05rem}
    .header-call .num{font-size:.95rem}
  }

  /* ===== Product pages & coverage links ===== */
  .p-actions{display:flex;flex-wrap:wrap;align-items:center;gap:12px 20px;margin-top:auto}
  .p-actions .btn{align-self:auto}
  .learn-more{font-weight:700;color:var(--blue);text-decoration:none;white-space:nowrap}
  .learn-more:hover{text-decoration:underline;color:var(--navy)}
  .product h3 a{color:inherit;text-decoration:none}
  .product h3 a:hover{text-decoration:underline;text-underline-offset:4px}
  .crumbs{font-size:.95rem;margin:0 0 14px}
  .crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:4px 8px;padding:0;margin:0}
  .crumbs li{display:flex;align-items:center;gap:8px;color:#E3E6EB}
  .crumbs li+li::before{content:"\203A";color:#B8BFC9}
  .crumbs a{color:#fff;text-decoration:underline;text-underline-offset:3px}
  .article{max-width:780px;margin:0 auto}
  .article h2{margin:1.7em 0 .5em;font-size:clamp(1.5rem,2.6vw,1.95rem)}
  .article > h2:first-child{margin-top:0}
  .article p,.article li{color:#2B3036}
  .article ul{padding-left:1.3em;margin:0 0 1.1em}
  .article li{margin-bottom:.5em}
  .article li::marker{color:var(--gold)}
  .note{background:var(--cream);border-left:5px solid var(--gold);border-radius:10px;padding:18px 22px;margin:34px 0 0;font-size:1rem;line-height:1.6;color:#2B3036}
  .note strong{color:var(--navy)}
  .inline-cta{display:flex;flex-wrap:wrap;gap:14px;align-items:center;background:#F5F6F8;border:1px solid #DDE1E6;border-radius:14px;padding:20px 22px;margin:34px 0 8px}
  .inline-cta p{margin:0;flex:1 1 240px;font-weight:700;color:var(--navy)}
  .inline-cta .btn{min-height:52px;padding:12px 22px;font-size:1.05rem}
  .related{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;max-width:1080px;margin:0 auto}
  .related a.rel{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:14px;padding:24px 24px 20px;text-decoration:none;color:var(--ink);box-shadow:0 4px 14px rgba(11,31,58,.08);transition:box-shadow .2s,transform .2s}
  .related a.rel:hover{box-shadow:0 12px 32px rgba(11,31,58,.14);transform:translateY(-2px)}
  .related .rel h3{font-size:1.25rem;margin:0 0 8px;color:var(--navy)}
  .related .rel p{margin:0 0 14px;color:var(--muted);font-size:1.02rem;flex:1}
  .related .rel span{font-weight:700;color:var(--blue)}
  .related-more{text-align:center;margin:28px 0 0;color:var(--muted)}
  .related-more a{font-weight:700}
  @media (max-width:860px){.related{grid-template-columns:1fr}}
  @media (max-width:640px){.p-actions{flex-direction:column;align-items:stretch}.p-actions .btn{width:100%}.learn-more{text-align:center;padding:6px 0}}

  /* ===== 2026-10 additions: footer areas, sticky mobile call bar, resources ===== */
  .foot-sub{margin-top:26px}
  .nav a{white-space:nowrap}
  @media (max-width:1240px){.nav a[href="#how"]{display:none}}
  @media (max-width:1100px){.nav a[href="#why"],.nav a[href="#faq"]{display:none}}
  @media (max-width:1040px){.nav a[data-scroll-form]{display:none}}
  /* Matt avatar next to the quote form */
  .form-agent{display:flex;align-items:center;gap:12px;margin:-4px 0 16px;font-size:.98rem;line-height:1.4;color:var(--muted)}
  .form-agent img{width:52px;height:52px;border-radius:50%;object-fit:cover;flex:none;box-shadow:0 0 0 3px #fff,0 0 0 5px var(--gold)}
  .form-agent strong{color:var(--navy)}
  .hero-grid.solo{grid-template-columns:1fr;max-width:860px}
  .byline{color:#E3E6EB;font-size:1rem;margin:-6px 0 22px}
  .byline strong{color:#fff}
  .quote-solo{max-width:700px;margin:0 auto}
  .quote-solo .form-card{box-shadow:var(--shadow)}
  .sources{font-size:.95rem;color:var(--muted);margin-top:30px}
  .article .sources h2{font-size:1.2rem;margin:0 0 .4em}
  .sources ul{padding-left:1.2em}
  .sources li{overflow-wrap:anywhere}
  .table-wrap{overflow-x:auto;margin:0 0 1.2em;border:1px solid var(--line);border-radius:12px}
  .article table{border-collapse:collapse;width:100%;min-width:520px;font-size:1rem}
  .article th,.article td{text-align:left;vertical-align:top;padding:12px 14px;border-bottom:1px solid var(--line)}
  .article thead th{background:var(--navy);color:#fff;font-family:var(--sans)}
  .article tbody th{color:var(--navy);background:#F5F6F8;width:28%}
  .article tbody tr:last-child th,.article tbody tr:last-child td{border-bottom:0}
  .article h3{margin:1.3em 0 .4em;font-size:1.25rem}
  .areas-list{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:10px 12px;justify-content:center}
  .areas-list a{display:inline-block;padding:10px 18px;border-radius:999px;border:1px solid var(--line);background:#fff;font-weight:700;text-decoration:none;color:var(--navy)}
  .areas-list a:hover{border-color:var(--gold);background:var(--gold-soft)}
  @media (max-width:768px){
    body{padding-bottom:calc(76px + env(safe-area-inset-bottom))}
    .callbar{display:flex;gap:10px;position:fixed;left:0;right:0;bottom:0;z-index:60;padding:10px 12px calc(10px + env(safe-area-inset-bottom));background:rgba(255,255,255,.98);border-top:1px solid var(--line);box-shadow:0 -6px 20px rgba(11,31,58,.12)}
    .callbar .btn{flex:1;min-height:56px;padding:10px 12px;font-size:1.05rem;white-space:nowrap}
    .callbar .btn-gold{flex:1.6}
  }
  @media (max-width:360px){.callbar .btn{font-size:.95rem;padding:10px 8px;gap:6px}.callbar .btn .ico{width:20px;height:20px}}

  /* About Matt */
  .about-grid{display:grid;grid-template-columns:minmax(220px,340px) 1fr;gap:48px;align-items:center;max-width:1000px;margin:0 auto}
  .about-photo{width:100%;height:auto;aspect-ratio:4/5;object-fit:cover;object-position:center 15%;border-radius:20px;box-shadow:var(--shadow);border:6px solid #fff;background:var(--navy)}
  .about-copy .role{color:var(--blue);font-weight:700;margin-bottom:12px}
  .about-copy ul{padding-left:1.2em;margin:0 0 1.2em}
  .about-copy li{margin-bottom:.4em;color:#2B3036}
  .about-copy li::marker{color:var(--gold-2)}
  .about-ctas{display:flex;flex-wrap:wrap;gap:12px}
  @media (max-width:860px){.about-grid{grid-template-columns:1fr;gap:28px}.about-photo{max-width:280px}}
  @media (max-width:640px){.about-ctas{flex-direction:column}.about-ctas .btn{width:100%}}
  img.monogram{object-fit:cover;padding:0}
\n  /* Final expense coverage estimator */
  .calc-card{scroll-margin-top:96px}
  .calc-step{border-top:1px solid var(--line);padding:16px 0 4px}
  .calc-step:first-of-type{border-top:0;padding-top:4px}
  .calc-step fieldset{border:0;margin:0;padding:0;min-width:0}
  .calc-q{display:flex;align-items:center;gap:10px;font-weight:700;color:var(--navy);font-size:1.08rem;margin:0 0 10px;padding:0}
  .calc-q label{font-weight:700;color:var(--navy)}
  .calc-num{flex:none;width:30px;height:30px;border-radius:50%;background:var(--navy);color:var(--gold);display:grid;place-items:center;font:700 1rem/1 var(--serif)}
  .calc-pills{display:flex;flex-wrap:wrap;gap:8px;margin:0 0 12px}
  .calc-pills.stack{flex-direction:column}
  .calc-pill{position:relative}
  .calc-pill input{position:absolute;opacity:0;width:1px;height:1px}
  .calc-pill span{display:block;padding:11px 16px;border:2px solid #B5BCC6;border-radius:12px;font-weight:600;font-size:1rem;line-height:1.3;cursor:pointer;background:#fff;color:var(--ink)}
  .calc-pill input:checked + span{border-color:var(--navy);background:var(--sky);color:var(--navy);box-shadow:inset 0 0 0 1px var(--navy)}
  .calc-pill input:focus-visible + span{outline:3px solid var(--gold);outline-offset:2px}
  .calc-money{position:relative}
  .calc-money::before{content:"$";position:absolute;left:14px;top:50%;transform:translateY(-50%);color:var(--muted);font-weight:700;pointer-events:none}
  .field .calc-money input{padding-left:30px}
  .calc-hint{font-size:.92rem;color:var(--muted);margin:0 0 6px;line-height:1.45}
  .calc-result{margin-top:18px;background:var(--cream);border:2px solid #E4E7EB;border-radius:14px;padding:20px}
  .calc-result:focus{outline:none}
  .calc-label{margin:0;font-weight:700;color:var(--muted);font-size:.95rem;text-transform:uppercase;letter-spacing:.06em}
  .calc-total{font:700 2.4rem/1.15 var(--serif);color:var(--navy);margin:2px 0 10px}
  .calc-breakdown{list-style:none;padding:0;margin:0 0 12px;font-size:1rem}
  .calc-breakdown li{display:flex;justify-content:space-between;gap:12px;border-bottom:1px dashed #E4E7EB;padding:5px 0}
  .calc-breakdown li span:last-child{font-weight:700;color:var(--navy);white-space:nowrap}
  .calc-health{font-size:1rem;color:#2B3036}
  .calc-disclaimer{font-size:.88rem;color:var(--muted);line-height:1.5}
  .calc-prefill-note{background:#e6f4ec;border:2px solid #b7e0c8;color:#14532d;border-radius:10px;padding:12px 14px;font-weight:600;font-size:1rem;margin:0 0 14px}

  /* ===== MacMillan additions ===== */
  .aep{background:var(--gold-soft);color:var(--navy);text-align:center;font-weight:600;padding:8px 16px;font-size:1rem;border-bottom:1px solid #E4E7EB}
  .aep a{color:var(--navy);font-weight:700}
  .header-actions{display:flex;align-items:center;gap:10px}
  .ts-btn{min-height:44px;min-width:44px;border:2px solid var(--line);background:#fff;color:var(--navy);border-radius:999px;font:700 1rem/1 var(--sans);cursor:pointer;padding:0 12px}
  .ts-btn:hover{border-color:var(--navy)}
  .nav{gap:20px}
  .nav a{font-size:1rem}
  .nav a[aria-current="page"]{color:var(--blue);text-decoration:underline;text-underline-offset:6px;text-decoration-color:var(--gold);text-decoration-thickness:3px}
  .mnav{display:none;position:relative}
  .mnav summary{list-style:none;cursor:pointer;min-height:44px;display:flex;align-items:center;gap:8px;padding:0 14px;border:2px solid var(--line);border-radius:999px;font-weight:700;color:var(--navy);background:#fff}
  .mnav summary::-webkit-details-marker{display:none}
  .mnav[open] summary{border-color:var(--navy)}
  .mnav-panel{position:absolute;right:0;top:calc(100% + 10px);background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow);padding:10px;display:grid;min-width:240px;z-index:70}
  .mnav-panel a{padding:12px 14px;border-radius:10px;color:var(--navy);font-weight:700;text-decoration:none}
  .mnav-panel a:hover{background:var(--sky)}
  .site-header .wrap{max-width:1720px}
  .post-meta{margin:0 0 6px;font-size:.8rem;font-weight:700;letter-spacing:.04em;text-transform:uppercase;color:#6E5419}
  .hero .byline time{white-space:nowrap}
  .post-hero{margin:0 auto;max-width:960px;padding:28px 0 0}.post-hero img{display:block;width:100%;height:auto;aspect-ratio:16/9;object-fit:cover;border-radius:16px;box-shadow:0 10px 30px rgba(11,31,58,.14)}
  .post-thumb{display:block;width:calc(100% + 2px);height:auto;aspect-ratio:16/9;object-fit:cover;border-radius:10px;margin:0 0 14px}
  .header-quote{min-height:52px;padding:10px 20px;font-size:1.02rem;white-space:nowrap}
  .mnav-panel a.mnav-quote{background:var(--gold);color:var(--navy);margin-bottom:6px}
  @media (max-width:1520px){.ts-btn{display:none}}
  @media (max-width:760px){.header-quote{display:none}}
  .brand-name{white-space:nowrap}
  @media (max-width:1640px){.nav a.n-opt{display:none}}
  @media (max-width:1240px){.site-header .nav{display:none}.mnav{display:block}}
  @media (max-width:640px){.ts-btn{display:none}.mnav summary{padding:0 12px}.mnav summary .mtxt{display:none}.header-actions{gap:8px}}
  @media (max-width:480px){.header-call span.txt{display:none}.header-call{width:52px;min-height:48px;padding:0}.brand-name{white-space:normal}}
  .hero-fine{margin:10px 0 0;color:#E3E6EB;font-size:.95rem}
  .form-status{font-weight:600;margin:12px 0 0;text-align:center;color:var(--navy)}
  .form-alt a + a{margin-left:4px}
  .product .for{font-weight:700}
  .products.six .product:nth-child(4){grid-column:span 2}
  .products.four{grid-template-columns:repeat(4,1fr)}
  .products.four .product,.products.four .product:nth-child(4){grid-column:auto;padding:26px 22px}
  .sub-head{text-align:center;max-width:760px;margin:56px auto 28px}
  .sub-head h3{font-size:1.6rem;margin-bottom:6px}
  .sub-head p{color:var(--muted);margin:0}
  @media (max-width:960px){.products.six .product:nth-child(5){grid-column:auto}.products.four{grid-template-columns:1fr 1fr}}
  @media (max-width:640px){.products.four{grid-template-columns:1fr}}
  /* Supplemental hub (mirrors the other site's supplemental page) */
  .gap-list{list-style:none;padding:0;margin:0 0 30px;display:grid;grid-template-columns:1fr 1fr;gap:12px 22px}
  .gap-list li{display:flex;gap:10px;align-items:flex-start;color:#fff;font-weight:600;font-size:1.05rem}
  .gap-list .tick{flex:none;width:26px;height:26px;border-radius:50%;background:var(--gold);color:var(--navy);display:grid;place-items:center;margin-top:1px}
  .gap-list .tick .ico{width:15px;height:15px;stroke-width:3}
  .works-with{margin-top:30px;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.18);border-radius:var(--radius);padding:20px 22px;align-self:stretch}
  .works-with h2{font-family:var(--sans);font-size:.9rem;letter-spacing:.1em;text-transform:uppercase;color:var(--gold);margin:0 0 12px}
  .chips{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:10px}
  .chips li{background:rgba(255,255,255,.12);border-radius:999px;padding:6px 14px;font-weight:600;font-size:.98rem;color:#fff}
  .works-with p{margin:12px 0 0;font-size:.95rem;color:#E3E6EB}
  .products.supp .product p{flex:none}
  .products.supp .product .for{font-weight:400;font-size:.97rem;color:var(--muted);border-top:1px dashed var(--line);padding-top:12px;margin-top:auto;margin-bottom:18px}
  .products.supp .product .for strong{color:var(--navy)}
  .section.soft{background:#F5F6F8}
  .why-grid.supp{grid-template-columns:.9fr 1.1fr}
  .why-copy p{font-size:1.1rem;color:#2B3036}
  .why-list{display:grid;grid-template-columns:1fr 1fr;gap:20px;list-style:none;padding:0;margin:0}
  .why-item{background:#fff;border-radius:var(--radius);padding:24px 22px;border:1px solid #E4E7EB;box-shadow:var(--shadow-sm)}
  .wi-icon{width:48px;height:48px;border-radius:12px;background:var(--navy);color:var(--gold);display:grid;place-items:center;margin-bottom:14px}
  .wi-icon .ico{width:26px;height:26px}
  .why-item h3{font-size:1.12rem;margin-bottom:.35em}
  .why-item p{font-size:1rem;color:#2B3036;margin:0}
  @media (max-width:960px){.why-grid.supp{grid-template-columns:1fr;gap:36px}}
  @media (max-width:720px){.gap-list{grid-template-columns:1fr}.why-list{grid-template-columns:1fr}}
  /* Monogram */
  .monogram{font-family:var(--serif)}
  /* Areas */
  .areas-list li span{display:inline-block;padding:10px 18px;border-radius:999px;border:1px solid var(--line);background:#fff;font-weight:700;color:var(--navy)}
  .areas-note{text-align:center;color:var(--muted);margin:22px auto 0;max-width:760px}
  /* Turning 65 checklist + enrollment calculator (homepage) */
  .ck-grid{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}
  .tool-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow-sm);border-top:6px solid var(--gold)}
  .tool-card h3{margin-bottom:6px}
  .tick-list{list-style:none;padding:0;margin:0 0 20px;display:grid;gap:12px}
  .tick-list li{display:flex;gap:12px;align-items:flex-start;color:#2B3036}
  .tick-list li::before{content:"\2713";flex:none;width:26px;height:26px;border-radius:50%;background:var(--navy);color:var(--gold);display:grid;place-items:center;font-weight:700;font-size:.9rem;margin-top:2px}
  .result{margin-top:14px}
  .result p{margin:0 0 .7em}
  .result .small{font-size:.92rem;color:var(--muted)}
  .ck-form{margin-top:26px;border-top:1px solid var(--line);padding-top:22px}
  @media (max-width:860px){.ck-grid{grid-template-columns:1fr}}
  /* Page views on the homepage (#home-health-care, #privacy, #terms) */
  .view-hero{padding:48px 0 40px}
  .view-hero h1{margin:0}
  /* Footer extras */
  .footer-logo{height:119px}
  .medfoot{color:#E3E6EB}
  .legal a{color:#fff}
  .foot-list .ico{flex:none}
  .callbar .btn-outline{background:#fff}
  /* Contact card */
  .contact-list{list-style:none;padding:0;margin:0 0 26px;display:grid;gap:12px}
  .contact-list li{display:flex;gap:12px;align-items:center;color:#fff;font-size:1.15rem}
  .contact-list .ico{color:var(--gold)}
  .contact-list a{color:#fff;font-weight:700}
  /* Thanks page */
  .thanks-card{max-width:640px;margin:0 auto;background:#fff;border-radius:20px;border-top:6px solid var(--gold);box-shadow:0 24px 60px rgba(0,0,0,.28);padding:40px 32px;text-align:center;position:relative;z-index:1}
  .thanks-card h1{color:var(--navy)!important}
  .thanks-card p{color:var(--muted)}
  .thanks-card .hero-ctas{justify-content:center}
  @media print{
    .aep,.site-header,.site-footer,.callbar,.hero,.trust,main > section:not(#checklist),.noprint{display:none!important}
    #checklist{padding:0}
  }

  /* ===== MacMillan brand kit (Oct 2026): navy #0B1F3A, gold #C9A24A, deep gold #A8842F, charcoal #1F2328; Cinzel + Montserrat ===== */
  body{font-size:1.0625rem;color:var(--charcoal)}
  h1,h2,h3,.brand-name{font-family:var(--serif);font-weight:700;letter-spacing:.01em}
  h1{font-size:clamp(1.85rem,3.6vw,2.85rem);line-height:1.18}
  h2{font-size:clamp(1.45rem,2.6vw,2.05rem)}
  h3{font-size:1.18rem}
  .faq summary{font-family:var(--sans);font-weight:600;font-size:1.08rem}
  a{color:var(--navy)}
  :focus-visible{outline-color:var(--gold-deep)}
  .kicker{color:var(--gold-deep)}
  .article li::marker,.about-copy li::marker{color:var(--gold-deep)}
  .trust{background:var(--cream);border-bottom:1px solid var(--line)}
  .trust .ico{color:var(--gold-deep)}
  .p-icon{background:var(--sky);color:var(--navy)}
  .step .ico{color:var(--gold-deep)}
  .step{border-color:var(--line)}
  .r-icon{background:var(--sky);color:var(--gold-deep)}
  .cta-band{background:linear-gradient(120deg,var(--navy) 0%,var(--navy-2) 100%)}
  .btn-gold:hover{background:var(--gold-deep);color:var(--navy)}
  /* White header with the full-color horizontal logo (navy footer keeps the reversed lockup) */
  .site-header{background:#fff;backdrop-filter:none;border-bottom:3px solid var(--gold)}
  .brand{padding:8px 0}
  .brand picture,.brand img{display:block}
  .brand-logo{width:340px;height:auto;border-radius:0;box-shadow:none}
  @media (max-width:1440px){.brand-logo{width:440px}}
  @media (max-width:900px){.brand-logo{width:360px}}
  @media (max-width:820px){.brand-logo{width:300px}}
  .site-header .nav a{color:var(--navy)}
  .site-header .nav a:hover{color:var(--gold-deep)}
  .nav a[aria-current="page"]{color:var(--navy)!important;text-decoration-color:var(--gold)}
  .mnav summary,.ts-btn{background:#fff;color:var(--navy);border-color:var(--navy)}
  .mnav[open] summary,.mnav summary:hover,.ts-btn:hover{border-color:var(--gold);color:var(--gold-deep);background:rgba(201,162,74,.1)}
  .mnav-panel a{color:var(--navy)}
  .header-call{background:#fff;color:var(--navy);border-color:var(--navy);box-shadow:none}
  .header-call:hover{background:rgba(201,162,74,.12);color:var(--navy);border-color:var(--gold)}
  .header-call .ico{color:var(--gold-deep)}
  .header-quote{background:var(--gold);color:var(--navy);box-shadow:0 6px 18px rgba(201,162,74,.3)}
  .header-quote:hover{background:var(--gold-deep);color:var(--navy)}
  @media (max-width:640px){.brand-logo{width:290px}}
  @media (max-width:480px){.brand-logo{width:auto;height:40px}}
  .brand-mtext{display:none}
  @media (max-width:480px){.brand-mtext{display:block;font-family:var(--serif);font-weight:700;font-size:1.22rem;line-height:1.12;letter-spacing:.03em;color:var(--navy);white-space:nowrap}.brand{gap:10px}}
  @media (max-width:340px){.brand-mtext{font-size:.95rem}.brand{gap:8px}.header-actions{gap:6px}main .btn{max-width:100%;white-space:normal;text-align:center}}
  /* Montserrat runs wider than the old sans: tighten header + buttons */
  .btn{font-size:1.04rem}
  .site-header .nav{gap:16px}
  .site-header .nav a{font-size:.95rem}
  .header-call .num{font-size:1.05rem}
  .header-quote{font-size:.98rem;padding:10px 18px}
  @media (max-width:1720px){.header-call .lbl{display:none}.header-call{padding:10px 18px}}
  @media (max-width:1100px){.header-call span.txt{display:none}.header-call{padding:0;width:52px;min-height:52px;gap:0}}
  @media (max-width:900px){.ts-btn{display:none}}
  @media (max-width:1440px){.site-header .nav{display:none}.mnav{display:block}}
  .product .btn,.p-actions .btn,.inline-cta .btn{font-size:.98rem;white-space:normal;text-align:center}
  @media (max-width:640px){.callbar .btn{font-size:.95rem;padding:10px 8px;gap:6px}.callbar .btn .ico{width:20px;height:20px}.product .btn{padding:12px 14px}}
  @media (max-width:360px){.callbar .btn{font-size:.86rem}}
  @media (max-width:640px){.products.six .product,.products.six .product:nth-child(4){grid-column:auto}}
  .site-footer a[href^="mailto:"]{overflow-wrap:anywhere}
  h1,h2,h3{overflow-wrap:break-word}
  .why-grid>*,.hero-grid>*,.about-grid>*{min-width:0}
  .meet .btn{white-space:normal;text-align:center}
  @media (max-width:360px){.callbar .btn .ico{display:none}.callbar{gap:8px;padding-left:8px;padding-right:8px}.meet{padding:28px 18px}}
  .meet-mark{width:auto;height:64px;margin-bottom:18px}
  /* Footer lockup */
  .footer-logo{width:280px;height:auto;border-radius:0;box-shadow:none;margin-bottom:22px}