:root{color-scheme:light;--bg: #F5F2EA;--surface: #fff;--ink: #173B35;--muted: #5B6964;--line: #DDDAD0;--accent: #A53F31;--accent-dark: #7D2E25;--accent-bright: #167367;--insurer: #9B6815;--good: #167367;--bad: #A53F31;--page-gutter: 24px;--display: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;--body: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;--mono: ui-monospace, SFMono-Regular, Menlo, monospace}*{box-sizing:border-box}html,body{margin:0}body{background:var(--bg);color:var(--ink);font:16px/1.62 var(--body);-webkit-font-smoothing:antialiased}.wrap{max-width:1080px;margin:0 auto;padding:0 var(--page-gutter)}h1,h2,h3{text-wrap:balance}h1{font:760 clamp(40px,6vw,68px)/1.02 var(--display);letter-spacing:-.052em;margin:0}h2{font:650 clamp(25px,3vw,34px)/1.12 var(--display);letter-spacing:-.03em;margin:0 0 14px}h3{font:650 18px/1.3 var(--body);margin:0 0 7px}p{margin:0 0 12px;max-width:66ch}a{color:var(--accent);text-underline-offset:3px}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible{outline:2px solid var(--accent);outline-offset:2px}.site-head{position:relative;z-index:5;border-bottom:1px solid var(--line);background:#f5f2eaf5}.head-row{display:flex;align-items:center;justify-content:space-between;min-height:76px;gap:24px}.brand{display:inline-flex;align-items:center;gap:10px;font:760 21px var(--display);color:var(--ink);text-decoration:none;letter-spacing:-.045em}.brand-mark{display:block;flex:0 0 auto;width:44px;height:44px;object-fit:contain}nav{display:flex;align-items:center;gap:8px clamp(14px,2vw,28px);flex-wrap:nowrap;justify-content:flex-end}nav a{color:var(--ink);font-weight:600;font-size:14px;text-decoration:none;white-space:nowrap}nav a:hover{text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:4px}nav a.nav-cta{display:inline-flex;min-height:44px;align-items:center;justify-content:center;gap:6px;padding:10px 15px;border-radius:8px;background:var(--accent);color:#fff;line-height:1.2}nav a.nav-cta:hover{background:var(--accent-dark);text-decoration:none}.nav-cta-short,.mobile-menu{display:none}.site-foot{border-top:1px solid var(--line);margin-top:96px;padding:40px 0 56px;font-size:14px;color:var(--muted)}.site-foot .foot-tagline{color:var(--ink);font-size:19px;font-weight:680;letter-spacing:-.02em}.skip-link{position:absolute;left:12px;top:-100px;z-index:10;padding:10px 14px;background:var(--ink);color:#fff;border-radius:6px}.skip-link:focus{top:12px}.kicker{font:600 11px/1.4 var(--body);letter-spacing:.075em;text-transform:uppercase;color:var(--accent)}.btn{display:inline-flex;align-items:center;justify-content:center;min-height:52px;background:var(--accent);color:#fff;font:650 15px var(--body);padding:13px 22px;border-radius:8px;border:1px solid var(--accent);text-decoration:none;cursor:pointer;transition:background-color .16s ease,border-color .16s ease,transform .16s ease}.btn:hover{background:var(--accent-dark);border-color:var(--accent-dark);transform:translateY(-1px)}.btn.ghost{background:transparent;color:var(--ink);border:1px solid #b9bfba}.btn.ghost:hover{background:#e8e7e0;border-color:var(--ink)}@media(prefers-reduced-motion:no-preference){html{scroll-behavior:smooth}}@media(prefers-reduced-motion:reduce){*,*:before,*:after{scroll-behavior:auto!important;transition-duration:.01ms!important}}@media(max-width:600px){:root{--page-gutter: 20px}.head-row{min-height:66px;gap:8px}nav{justify-content:flex-end;gap:6px 8px;flex-wrap:nowrap}nav a{font-size:12px}nav a:not(.nav-cta){display:none}nav a.nav-cta{min-height:44px;padding:8px 12px}.nav-cta-short{display:inline}.nav-cta-long{display:none}.brand{font-size:18px;gap:7px}.brand-mark{width:42px;height:42px}.mobile-menu{display:block;position:relative}.mobile-menu summary{display:flex;min-height:44px;align-items:center;padding:0 8px;color:var(--ink);font-size:12px;font-weight:650;list-style:none;cursor:pointer;border:1px solid var(--line);border-radius:8px}.mobile-menu summary::-webkit-details-marker{display:none}.mobile-menu summary:after{content:"⌄";margin-left:5px;font-size:14px}.mobile-menu[open] summary{background:var(--surface)}.mobile-menu-items{position:absolute;top:calc(100% + 8px);right:0;z-index:10;display:grid;min-width:210px;padding:6px;background:var(--surface);border:1px solid var(--line);border-radius:10px;box-shadow:0 12px 28px #171d1b24}.mobile-menu-items a{display:flex!important;min-height:44px;align-items:center;padding:0 11px;border-radius:6px}.mobile-menu-items a:hover{background:var(--bg);text-decoration:none}}@media(max-width:380px){nav a.nav-cta{padding:8px 9px;font-size:11px}:root{--page-gutter: 16px}}@media(min-width:601px)and (max-width:1000px){.head-row{gap:16px}nav{gap:6px 14px}nav a{font-size:13px}nav a.nav-cta{padding-inline:12px}}