* {
  box-sizing: border-box;
}
html {
  scroll-behavior: smooth;
  scroll-padding-top: 100px;
  -webkit-text-size-adjust: 100%;
}
body {
  margin: 0;
  background: var(--paper);
  font-family: var(--font-sans);
  color: var(--ink);
}
a {
  color: inherit;
  text-decoration: none;
}
button,
a,
summary {
  -webkit-tap-highlight-color: transparent;
  touch-action: manipulation;
}
a:focus-visible,
summary:focus-visible {
  outline: 3px solid var(--accent);
  outline-offset: 5px;
}
svg {
  width: 20px;
  height: 20px;
  flex-shrink: 0;
  stroke-width: 1.75;
}
img {
  display: block;
  max-width: 100%;
}
.wrap {
  max-width: 1240px;
  margin: auto;
  padding-inline: 40px;
}
.skip-link {
  position: fixed;
  top: -100px;
  left: 12px;
  z-index: 100;
  background: white;
  padding: 14px;
}
.skip-link:focus {
  top: 12px;
}
.site-header {
  background: rgba(255, 255, 255, 0.96);
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 30;
}
.nav-row {
  height: 88px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
}
.brand {
  display: inline-flex;
  align-items: center;
  flex-shrink: 0;
  min-height: 44px;
}
.brand img {
  width: 211px;
  height: auto;
}
.desktop-nav {
  display: flex;
  gap: 28px;
  align-items: center;
}
.desktop-nav a {
  font-size: 14px;
  font-weight: 600;
  min-height: 44px;
  display: flex;
  align-items: center;
}
.desktop-nav a:hover {
  color: var(--accent);
}
.button {
  display: inline-flex;
  justify-content: center;
  align-items: center;
  gap: 22px;
  min-height: 56px;
  padding: 16px 25px;
  background: var(--accent);
  border: 1px solid transparent;
  border-radius: 9px;
  color: #fff;
  font-size: 16px;
  font-weight: 650;
  transition:
    background 0.18s,
    transform 0.18s;
}
.button:hover {
  background: var(--accent-dark);
}
.button:active {
  transform: scale(0.98);
}
.button-small {
  min-height: 44px;
  font-size: 14px;
  padding: 11px 17px;
  gap: 14px;
}
.mobile-menu {
  display: none;
}
.eyebrow {
  font-size: 11px;
  letter-spacing: 0.13em;
  text-transform: uppercase;
  font-weight: 700;
  color: var(--accent-dark);
  display: inline-flex;
  align-items: center;
  gap: 9px;
}
.status-dot {
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--accent);
}
.hero {
  display: grid;
  grid-template-columns: 1.05fr 1fr;
  align-items: center;
  gap: 50px;
  padding-top: 68px;
  padding-bottom: 64px;
}
.hero h1 {
  font-size: clamp(52px, 5.2vw, 72px);
  font-weight: 600;
  line-height: 1.07;
  letter-spacing: -3.5px;
  margin: 24px 0;
}
.hero h1 em,
h2 em {
  font-family: var(--font-display);
  font-weight: 700;
  letter-spacing: -0.035em;
  color: var(--accent);
  font-style: normal;
}
.hero h1 em {
  font-size: 0.91em;
}
.hero-description {
  font-size: 18px;
  line-height: 1.7;
  color: var(--ink-2);
  margin: 0 0 28px;
}
.hero-actions {
  display: flex;
  align-items: center;
  gap: 24px;
}
.text-link {
  display: inline-flex;
  gap: 10px;
  align-items: center;
  min-height: 44px;
  font-size: 14px;
  font-weight: 650;
}
.text-link:hover {
  color: var(--accent);
}
.hero-reassurance {
  display: flex;
  gap: 22px;
  margin-top: 23px;
  font-size: 12px;
  color: var(--ink-2);
}
.hero-reassurance span {
  display: flex;
  align-items: center;
  gap: 6px;
}
.hero-reassurance svg {
  width: 15px;
  height: 15px;
  color: var(--accent);
}
.hero-art {
  position: relative;
  padding: 18px 16px 24px 0;
  isolation: isolate;
}
.hero-photo {
  width: 100%;
  height: 385px;
  object-fit: cover;
  object-position: 50% 45%;
  border-radius: 100px 14px 100px 14px;
  background: var(--accent-tint);
}
.sun-disc {
  position: absolute;
  background: #f8d975;
  width: 162px;
  height: 162px;
  border-radius: 50%;
  right: -5px;
  top: -6px;
  z-index: -1;
}
.photo-tag {
  display: flex;
  align-items: center;
  gap: 12px;
  background: var(--paper);
  padding: 17px 22px;
  position: absolute;
  bottom: 48px;
  left: -25px;
  border-radius: 12px;
  box-shadow: 0 8px 32px #173d4714;
  transform: rotate(-4deg);
  font-size: 13px;
  line-height: 1.5;
}
.photo-tag strong {
  font-size: 18px;
  font-weight: 650;
}
.mini-icon {
  display: grid;
  place-items: center;
  background: #fbe9d7;
  border-radius: 50%;
  width: 43px;
  height: 43px;
  color: #b36036;
}
.mini-icon svg {
  width: 22px;
  height: 22px;
}
.hero-caption {
  display: flex;
  align-items: center;
  gap: 9px;
  position: absolute;
  bottom: 1px;
  right: 44px;
  font-size: 11px;
  font-weight: 600;
  color: var(--ink-2);
}
.caption-line {
  height: 1px;
  width: 28px;
  background: var(--ink-2);
}
.coverage-section {
  padding: 48px 0 28px;
  background: var(--paper-2);
  border-block: 1px solid var(--border);
}
.section-heading {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 25px;
  margin-bottom: 28px;
}
h2 {
  font-size: clamp(32px, 3.4vw, 43px);
  font-weight: 550;
  line-height: 1.15;
  letter-spacing: -1.6px;
  margin: 13px 0 0;
}
.section-heading p {
  font-size: 14px;
  line-height: 1.6;
  color: var(--ink-2);
  margin: 0 0 3px;
}
.coverage-grid {
  display: grid;
  grid-template-columns: repeat(5, minmax(0, 1fr));
  gap: 13px;
}
.coverage-card {
  padding: 24px 19px 18px;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 13px;
  min-height: 287px;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  transition:
    transform 0.18s,
    border-color 0.18s,
    box-shadow 0.18s;
}
.coverage-card:hover {
  transform: translateY(-5px);
  border-color: var(--vertical-accent);
  box-shadow: 0 10px 25px #173d470a;
}
.coverage-icon {
  display: grid;
  place-items: center;
  width: 53px;
  height: 53px;
  border-radius: 15px;
  background: var(--vertical-tint);
  color: var(--vertical-accent);
  margin-bottom: 21px;
}
.coverage-icon svg {
  width: 29px;
  height: 29px;
}
.coverage-card.theme-final-expense .coverage-icon {
  background: var(--vertical-panel);
  box-shadow: inset 0 0 0 1.5px var(--vertical-highlight);
}
.card-category {
  font-size: 9px;
  letter-spacing: 0.025em;
  font-weight: 550;
  color: var(--ink-2);
  line-height: 1.3;
}
.coverage-card h3 {
  font-size: 22px;
  letter-spacing: -0.8px;
  margin: 7px 0 10px;
  font-weight: 650;
}
.coverage-card p {
  font-size: 13px;
  line-height: 1.65;
  color: var(--ink-2);
  margin: 0 0 22px;
}
.card-link {
  margin-top: auto;
  display: flex;
  justify-content: space-between;
  align-items: center;
  width: 100%;
  font-size: 12px;
  font-weight: 700;
  color: var(--vertical-accent);
  gap: 5px;
}
.card-link svg {
  width: 18px;
  height: 18px;
}
.coverage-note {
  font-size: 12px;
  color: var(--ink-2);
  display: flex;
  gap: 8px;
  align-items: center;
  justify-content: center;
  margin: 25px 0 0;
  line-height: 1.6;
}
.coverage-note svg {
  width: 15px;
  height: 15px;
  color: var(--accent);
}
.how-section {
  padding-block: 78px;
}
.how-intro {
  text-align: center;
}
.how-intro p {
  font-size: 15px;
  line-height: 1.65;
  color: var(--ink-2);
  margin: 20px 0 0;
}
.how-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 60px;
  margin: 45px auto 0;
  max-width: 1020px;
}
.how-grid article {
  position: relative;
  padding-left: 52px;
}
.step-number {
  position: absolute;
  left: 0;
  top: 0;
  font-size: 13px;
  color: var(--accent-dark);
  background: var(--accent-tint);
  border-radius: 50%;
  width: 36px;
  height: 36px;
  display: grid;
  place-items: center;
  font-weight: 700;
}
.how-grid h3 {
  font-size: 17px;
  letter-spacing: -0.3px;
  margin: 4px 0 9px;
}
.how-grid p {
  font-size: 14px;
  color: var(--ink-2);
  line-height: 1.65;
  margin: 0;
}
.why-panel {
  background: var(--accent-tint);
  border-radius: 18px;
  display: grid;
  grid-template-columns: auto 1.1fr 1fr;
  align-items: center;
  gap: 35px;
  padding: 45px;
}
.why-icon {
  width: 68px;
  height: 68px;
  border-radius: 50%;
  background: var(--accent-tint-2);
  display: grid;
  place-items: center;
  color: var(--accent);
}
.why-icon svg {
  width: 34px;
  height: 34px;
}
.why-panel h2 {
  font-size: 35px;
}
.why-copy p {
  color: var(--ink-2);
  font-size: 15px;
  line-height: 1.7;
  margin: 0 0 8px;
}
.why-copy .text-link {
  color: var(--accent-dark);
}
.faq-section {
  padding-block: 80px;
  display: grid;
  grid-template-columns: 0.8fr 1.2fr;
  gap: 70px;
}
.faq-section > div > p {
  color: var(--ink-2);
  font-size: 15px;
  line-height: 1.6;
}
.faq-list details {
  border-bottom: 1px solid var(--border);
}
.faq-list summary {
  cursor: pointer;
  list-style: none;
  min-height: 68px;
  padding-block: 22px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 22px;
  font-size: 16px;
  font-weight: 600;
}
.faq-list summary::-webkit-details-marker {
  display: none;
}
.faq-list summary svg {
  width: 18px;
  height: 18px;
  color: var(--accent);
}
.faq-list details[open] summary svg {
  transform: rotate(45deg);
}
.faq-list p {
  font-size: 15px;
  line-height: 1.7;
  color: var(--ink-2);
  margin: 0;
  padding: 0 32px 22px 0;
}
.closing {
  text-align: center;
  padding-bottom: 76px;
}
.closing h2 {
  margin: 15px 0 24px;
}
.site-footer {
  border-top: 1px solid var(--border);
  padding-top: 30px;
  padding-bottom: 25px;
}
.footer-top {
  display: flex;
  align-items: center;
  gap: 25px;
  justify-content: space-between;
}
.footer-top .brand img {
  width: 181px;
}
.footer-top p {
  font-size: 13px;
  color: var(--ink-2);
}
.footer-top > a:last-child {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 13px;
  min-height: 44px;
}
.footer-bottom {
  border-top: 1px solid var(--border);
  margin-top: 22px;
  padding-top: 19px;
  display: flex;
  justify-content: space-between;
  gap: 50px;
  align-items: flex-start;
  font-size: 11px;
  color: var(--ink-3);
  line-height: 1.6;
}
.footer-bottom p {
  max-width: 720px;
  margin: 0;
}
.footer-bottom > span {
  white-space: nowrap;
}
@media (min-width: 1500px) {
  .hero {
    padding-top: 84px;
    padding-bottom: 80px;
  }
  .hero-photo {
    height: 405px;
  }
}
@media (max-width: 1050px) {
  .wrap {
    padding-inline: 28px;
  }
  .desktop-nav {
    gap: 18px;
  }
  .desktop-nav a {
    font-size: 13px;
  }
  .nav-row {
    gap: 18px;
  }
  .brand img {
    width: 185px;
  }
  .hero {
    gap: 30px;
  }
  .hero h1 {
    font-size: 58px;
  }
  .hero-actions {
    gap: 14px;
    flex-wrap: wrap;
  }
  .hero-photo {
    height: 365px;
  }
  .coverage-grid {
    gap: 10px;
  }
  .coverage-card {
    padding: 20px 14px 16px;
  }
  .coverage-card h3 {
    font-size: 20px;
  }
  .card-category {
    font-size: 8px;
  }
  .why-panel {
    gap: 24px;
    padding: 32px;
    grid-template-columns: 1fr 1fr;
  }
  .why-icon {
    display: none;
  }
}
@media (max-width: 820px) {
  .desktop-nav {
    display: none;
  }
  .nav-row {
    height: 76px;
  }
  .nav-cta {
    margin-left: auto;
  }
  .hero {
    gap: 24px;
    padding-top: 45px;
    padding-bottom: 45px;
  }
  .hero h1 {
    font-size: 49px;
    letter-spacing: -2.5px;
  }
  .hero-description {
    font-size: 16px;
  }
  .hero-photo {
    height: 335px;
    border-top-left-radius: 75px;
  }
  .hero-actions .text-link {
    font-size: 13px;
  }
  .hero-reassurance {
    flex-wrap: wrap;
    gap: 10px;
  }
  .photo-tag {
    left: -15px;
    padding: 12px 16px;
  }
  .coverage-grid {
    grid-template-columns: repeat(3, 1fr);
  }
  .coverage-card {
    min-height: 260px;
    padding: 23px;
  }
  .card-category {
    font-size: 10px;
  }
  .coverage-card h3 {
    font-size: 23px;
  }
  .how-grid {
    gap: 25px;
  }
  .how-grid article {
    padding-left: 0;
  }
  .step-number {
    position: static;
    margin-bottom: 15px;
  }
  .faq-section {
    gap: 30px;
  }
  .footer-top {
    flex-wrap: wrap;
    gap: 10px;
  }
  .footer-top p {
    display: none;
  }
}
@media (max-width: 600px) {
  html {
    scroll-padding-top: 90px;
  }
  .wrap {
    padding-inline: 22px;
  }
  .nav-row {
    height: 72px;
  }
  .brand img {
    width: 189px;
  }
  .nav-cta {
    display: none;
  }
  .mobile-menu {
    display: block;
  }
  .mobile-menu summary {
    list-style: none;
    min-width: 44px;
    min-height: 44px;
    display: grid;
    place-items: center;
    border: 1px solid var(--border);
    border-radius: 9px;
    cursor: pointer;
  }
  .mobile-menu summary::-webkit-details-marker {
    display: none;
  }
  .mobile-menu nav {
    position: absolute;
    left: 16px;
    right: 16px;
    top: 65px;
    background: white;
    border: 1px solid var(--border);
    padding: 14px;
    border-radius: 12px;
    box-shadow: var(--shadow-md);
    display: grid;
  }
  .mobile-menu nav a {
    padding: 14px;
    font-size: 16px;
  }
  .hero {
    grid-template-columns: 1fr;
    padding-top: 36px;
    padding-bottom: 33px;
    gap: 28px;
  }
  .hero h1 {
    font-size: 59px;
    letter-spacing: -3px;
    margin: 20px 0;
  }
  .hero .eyebrow {
    font-size: 10px;
  }
  .hero-description {
    font-size: 17px;
    line-height: 1.6;
    margin-bottom: 24px;
  }
  .hero-actions {
    gap: 14px;
  }
  .hero-actions .button {
    font-size: 15px;
    padding-inline: 20px;
    gap: 16px;
  }
  .hero-actions .text-link {
    font-size: 13px;
    gap: 6px;
  }
  .hero-reassurance {
    font-size: 11px;
    margin-top: 17px;
    gap: 20px;
  }
  .hero-art {
    padding: 8px 7px 23px 5px;
    margin: 2px 4px 0 13px;
  }
  .hero-photo {
    height: 275px;
    border-radius: 70px 12px 70px 12px;
  }
  .sun-disc {
    width: 123px;
    height: 123px;
    right: -4px;
    top: -4px;
  }
  .photo-tag {
    bottom: 40px;
    left: -14px;
  }
  .hero-caption {
    right: 24px;
    font-size: 10px;
  }
  .section-heading {
    align-items: flex-start;
    margin-bottom: 22px;
  }
  .section-heading h2 {
    font-size: 32px;
    margin-top: 10px;
  }
  .eyebrow {
    font-size: 10px;
  }
  .section-heading > p {
    display: none;
  }
  .coverage-section {
    padding-top: 33px;
    padding-bottom: 24px;
  }
  .coverage-grid {
    grid-template-columns: 1fr;
    gap: 11px;
  }
  .coverage-card {
    position: relative;
    padding: 20px 43px 20px 91px;
    min-height: 135px;
    display: grid;
    gap: 0;
    border-radius: 12px;
  }
  .coverage-icon {
    position: absolute;
    left: 19px;
    top: 24px;
    width: 51px;
    height: 51px;
    margin: 0;
  }
  .card-category {
    font-size: 9px;
  }
  .coverage-card h3 {
    font-size: 23px;
    margin: 6px 0;
  }
  .coverage-card p {
    font-size: 13px;
    line-height: 1.5;
    margin: 0;
  }
  .coverage-card p br {
    display: none;
  }
  .card-link {
    font-size: 0;
    position: absolute;
    right: 16px;
    top: 57px;
    width: auto;
  }
  .card-link svg {
    width: 20px;
    height: 20px;
  }
  .coverage-note {
    align-items: flex-start;
    text-align: left;
    font-size: 12px;
    gap: 9px;
    line-height: 1.65;
    margin-top: 20px;
  }
  .coverage-note svg {
    margin-top: 3px;
  }
  .how-section {
    padding-block: 48px;
  }
  .how-intro {
    text-align: left;
  }
  .how-intro h2 {
    font-size: 32px;
    line-height: 1.22;
  }
  .how-intro p {
    font-size: 15px;
    margin-top: 17px;
  }
  .how-grid {
    grid-template-columns: 1fr;
    gap: 27px;
    margin-top: 31px;
  }
  .how-grid article {
    padding-left: 56px;
  }
  .step-number {
    position: absolute;
    margin: 0;
    width: 37px;
    height: 37px;
  }
  .how-grid h3 {
    margin-top: 2px;
    font-size: 17px;
  }
  .how-grid p {
    font-size: 14px;
  }
  .why-panel {
    padding: 28px 24px;
    grid-template-columns: 1fr;
    gap: 18px;
    border-radius: 14px;
  }
  .why-panel h2 {
    font-size: 32px;
  }
  .why-copy p {
    font-size: 14px;
  }
  .why-copy .text-link {
    font-size: 13px;
  }
  .faq-section {
    padding-block: 49px;
    grid-template-columns: 1fr;
    gap: 15px;
  }
  .faq-section h2 {
    font-size: 34px;
  }
  .faq-section h2 br {
    display: none;
  }
  .faq-section > div > p {
    margin: 13px 0 0;
  }
  .faq-section > div > p br {
    display: none;
  }
  .faq-list summary {
    font-size: 15px;
    min-height: 70px;
    line-height: 1.45;
    gap: 20px;
  }
  .faq-list p {
    font-size: 14px;
  }
  .closing {
    padding-bottom: 46px;
  }
  .closing h2 {
    font-size: 34px;
    max-width: 280px;
    margin: 15px auto 24px;
  }
  .footer-top {
    align-items: flex-start;
    gap: 8px;
  }
  .footer-top .brand img {
    width: 164px;
  }
  .footer-top > a:last-child {
    font-size: 11px;
    gap: 4px;
  }
  .footer-top > a:last-child svg {
    width: 15px;
  }
  .footer-bottom {
    flex-direction: column;
    gap: 13px;
    font-size: 11px;
    margin-top: 16px;
    padding-top: 16px;
  }
  .site-footer {
    padding-top: 20px;
  }
  .button {
    min-height: 54px;
  }
}
@media (max-width: 360px) {
  .wrap {
    padding-inline: 17px;
  }
  .hero h1 {
    font-size: 52px;
  }
  .hero-actions {
    gap: 8px;
  }
  .hero-actions .button {
    padding-inline: 15px;
    font-size: 14px;
    gap: 10px;
  }
  .hero-actions .text-link {
    font-size: 12px;
  }
  .hero-description {
    font-size: 16px;
  }
  .hero-photo {
    height: 238px;
  }
  .coverage-card {
    padding-left: 81px;
  }
  .coverage-icon {
    left: 15px;
    width: 48px;
    height: 48px;
  }
  .footer-top {
    flex-direction: column;
  }
}
@media (hover: none) {
  .coverage-card:hover {
    transform: none;
    box-shadow: none;
    border-color: var(--border);
  }
}
@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }
  *,
  *::before,
  *::after {
    transition: none !important;
    animation: none !important;
  }
}

/* Keep entry descriptions comfortably readable on phones and desktop. */
.coverage-card p {
  font-size: 14px;
}
.card-category {
  font-size: 10px;
}
@media (max-width: 600px) {
  .coverage-card p {
    font-size: 14px;
    line-height: 1.55;
  }
  .card-category {
    font-size: 10px;
  }
}