:root{--nav:#3b3b3b;--nav2:#242424;--gold:#c98508;--ink:#171717;--muted:#5f5f5f;--line:#dedede;--soft:#f3f3f3;--white:#fff}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;background:#fff;color:#16202a;line-height:1.5}a{color:inherit}.site-header{background:linear-gradient(90deg,#2b2b2b,#444);color:#fff;position:sticky;top:0;z-index:50;box-shadow:0 2px 10px rgba(0,0,0,.16)}.header-inner{max-width:1280px;margin:auto;padding:11px 24px;display:flex;align-items:center;gap:30px}.logo img{width:145px;display:block}.nav{margin-left:auto;display:flex;align-items:center;gap:28px}.nav a{text-decoration:none;font-weight:700;font-size:14px}.nav a:hover,.nav a.active{color:#f1a51b}.nav .resource{color:#f1a51b;font-size:17px}.phone{display:flex;align-items:center;gap:9px}.phone i{color:#f1a51b;font-style:normal;font-size:20px}.container{max-width:1180px;margin:auto;padding:0 24px}.hero{max-width:1280px;margin:14px auto 0;min-height:445px;border-radius:14px;overflow:hidden;background-image:linear-gradient(90deg,#fff 0%,#fff 35%,rgba(255,255,255,.88) 43%,rgba(255,255,255,.18) 58%,rgba(255,255,255,0) 68%),url('final-family-hero.jpg');background-size:auto 100%;background-repeat:no-repeat;background-position:right center;position:relative}.hero-copy{padding:34px 48px 76px;max-width:520px}.hero h1{font-size:52px;line-height:.98;color:var(--ink);margin:0 0 16px;letter-spacing:-1.4px}.hero h1 span{display:block;color:var(--gold);font-family:Georgia,serif;font-weight:500}.hero p{font-size:17px;max-width:420px}.checks{list-style:none;padding:0;margin:14px 0}.checks li{font-weight:700;margin:6px 0}.checks li:before{content:'✓';display:inline-grid;place-items:center;width:18px;height:18px;border-radius:50%;background:var(--gold);color:#fff;margin-right:9px;font-size:12px}.quote-wrap{max-width:1120px;margin:-42px auto 8px;position:relative;z-index:5;padding:0 20px}.quote-card{background:#f1f1f1;border:1px solid #cfd5da;border-radius:12px;box-shadow:0 8px 28px rgba(22,38,75,.12);padding:14px 24px 16px}.quote-card h2{text-align:center;margin:0;font-size:25px}.quote-card .sub{text-align:center;margin:0 0 10px;color:#4f5b66;font-size:13px}.quote-grid{display:grid;grid-template-columns:repeat(6,1fr);gap:10px 14px}.quote-grid label{font-size:11px;font-weight:800;color:#223357}.quote-grid input,.quote-grid select,.quote-grid textarea{width:100%;border:1px solid #ccd3d9;background:#fff;border-radius:4px;padding:9px;font:inherit;margin-top:4px}.quote-grid .wide{grid-column:span 3}.quote-submit{grid-column:span 2;display:flex;flex-direction:column;justify-content:end}.quote-submit button,.btn{border:0;border-radius:4px;background:var(--gold);color:#fff;font-weight:800;padding:11px 18px;text-decoration:none;text-align:center;cursor:pointer}.quote-submit small{text-align:center;margin-top:5px}.insight{max-width:1080px;margin:8px auto;display:grid;grid-template-columns:280px 1.4fr .7fr;gap:24px;padding:10px 20px;border:1px solid var(--line);border-radius:10px;background:#fff}.insight img{width:100%;height:155px;object-fit:cover;border-radius:6px}.eyebrow{color:var(--gold);font-weight:800;font-size:12px}.insight h2{margin:4px 0 6px;font-size:24px;line-height:1.08}.btn.outline{background:#fff;color:var(--ink);border:1px solid var(--ink);margin-left:8px}.benefit-list{border-left:1px solid var(--line);padding-left:22px;font-size:13px}.solutions{max-width:1080px;margin:8px auto;display:grid;grid-template-columns:repeat(6,1fr);gap:10px}.tile{background:#fff;border:1px solid var(--line);border-radius:8px;padding:16px 11px;text-align:center;text-decoration:none;min-height:170px}.tile .icon{font-size:34px;color:var(--ink)}.tile strong{display:block;color:var(--ink)}.tile p{font-size:12px}.tile span{color:#6b4b10;font-weight:800;font-size:12px}.tile.guide{border:2px solid #e7a22e}.trustbar{max-width:1080px;margin:8px auto 28px;background:#eef0f2;border-radius:7px;display:grid;grid-template-columns:repeat(3,1fr);text-align:center;padding:10px;font-weight:800;color:#23324a}.trustbar span+span{border-left:1px solid #aab2ba}.footer{background:linear-gradient(90deg,#222,#3b3b3b);color:#fff}.footer-main{max-width:1080px;margin:auto;padding:18px 24px;display:grid;grid-template-columns:auto 1fr 1.3fr;align-items:center;gap:22px}.footer-main img{width:112px;height:112px;border-radius:50%;object-fit:cover;object-position:center 22%;border:2px solid #fff;margin-top:-38px}.footer h3{margin:0}.gold{color:#f1a51b}.footer-contact{display:flex;justify-content:center;gap:38px}.footer-contact a{text-decoration:none;font-size:17px}.legal{border-top:1px solid rgba(255,255,255,.12);padding:10px 24px;text-align:center;font-size:12px;display:flex;justify-content:center;gap:24px;flex-wrap:wrap}.page-hero{background:#fff;padding:42px 0 22px;text-align:center}.page-hero h1{font-family:Georgia,serif;font-size:44px;margin:0;color:var(--ink)}.page-hero h1 span{color:var(--gold)}.page-hero p{max-width:800px;margin:10px auto;color:var(--muted)}.content{padding:18px 0 50px;background:#fff}.panel{border:1px solid var(--line);border-radius:10px;background:#fff;padding:28px;margin:16px 0}.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:22px}.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.stat{border:1px solid var(--line);border-radius:8px;text-align:center;padding:20px;background:#fff}.stat b{font-size:32px;color:var(--ink);display:block}.card{border:1px solid var(--line);border-radius:8px;background:#fff;padding:22px}.card h3{color:var(--ink);margin-top:0}.card li{margin:7px 0}.section-title{text-align:center;color:var(--ink);font-family:Georgia,serif;font-size:32px;margin:34px 0 14px}.about-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:32px;align-items:center}.about-photo{width:100%;max-height:430px;object-fit:cover;border-radius:8px}.license-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:26px;align-items:center}.license-img{width:100%;border:9px double #caa15a;background:#fff}.link-box{display:block;border-left:3px solid var(--gold);padding:12px;background:#f7f4ef;margin:10px 0;text-decoration:none;font-weight:800}.veteran-hero{background:linear-gradient(90deg,#fff 0 45%,rgba(255,255,255,.25)),linear-gradient(135deg,#173a68,#b3232f);padding:45px 0}.veteran-hero .container{background:rgba(255,255,255,.9);padding:26px;border-radius:10px}.resource-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.search-panel{border:2px solid #e3a13b}.search-form{display:grid;grid-template-columns:1fr 1fr auto;gap:12px}.search-form input,.search-form select{padding:11px;border:1px solid #cbd3da;border-radius:5px}.results{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:18px}.result-col{border:1px solid var(--line);border-radius:8px;padding:16px}.article{max-width:850px;margin:auto}.article h2{color:var(--ink);margin-top:32px}.article .callout{background:#f4f6f7;border-left:4px solid var(--gold);padding:18px}.no-footer-spacer{height:30px}.modal{position:fixed;inset:0;background:rgba(0,0,0,.72);display:none;align-items:center;justify-content:center;z-index:100}.modal.open{display:flex}.modal-panel{width:min(900px,92vw);height:min(760px,90vh);background:#fff;border-radius:12px;position:relative;overflow:hidden}.modal iframe{width:100%;height:100%;border:0}.modal-close{position:absolute;right:10px;top:7px;z-index:2;border:0;background:#222;color:#fff;width:36px;height:36px;border-radius:50%;font-size:25px}
@media(max-width:900px){.nav{display:none}.hero{min-height:510px;background-position:62% center}.hero-copy{padding:28px 24px}.hero h1{font-size:40px}.quote-wrap{margin:-45px auto 8px}.quote-grid{grid-template-columns:repeat(2,1fr)}.quote-grid .wide,.quote-submit{grid-column:span 2}.insight{grid-template-columns:1fr}.benefit-list{border-left:0}.solutions{grid-template-columns:repeat(2,1fr);padding:0 16px}.trustbar{grid-template-columns:1fr}.trustbar span+span{border-left:0;border-top:1px solid #aab2ba}.footer-main{grid-template-columns:auto 1fr}.footer-contact{grid-column:1/-1}.grid-2,.grid-3,.grid-4,.about-grid,.license-grid,.resource-grid{grid-template-columns:1fr}.search-form{grid-template-columns:1fr}.results{grid-template-columns:1fr}}
.tile .veteran-flag{display:inline-block;transform-origin:left center;animation:flag-wave 1.8s ease-in-out infinite;filter:drop-shadow(0 2px 2px rgba(0,0,0,.16))}
@keyframes flag-wave{0%,100%{transform:perspective(80px) rotateY(0deg) skewY(0deg)}25%{transform:perspective(80px) rotateY(12deg) skewY(-2deg)}50%{transform:perspective(80px) rotateY(0deg) skewY(0deg)}75%{transform:perspective(80px) rotateY(-12deg) skewY(2deg)}}
@media(prefers-reduced-motion:reduce){.tile .veteran-flag{animation:none}}

/* Canonical homepage — rebuilt from the approved visual reference */
.home-page{background:#fff;color:#171717}
.home-page .site-header{background:#101b29;box-shadow:none;position:relative}
.home-page .header-inner{max-width:1220px;padding:9px 22px}
.home-page .logo img{width:150px}
.home-page .nav{gap:25px}
.home-page .nav a{font-size:13px;color:#fff}
.home-page .nav .resource{font-size:14px;color:#fff}
.home-page .nav .quote-nav{background:#c98508;padding:10px 24px;border-radius:4px;color:#fff}
.home-page .nav a.active{color:#f1a51b;border-bottom:2px solid #f1a51b;padding-bottom:5px}
.home-hero{max-width:1180px;margin:0 auto;display:grid;grid-template-columns:42% 58%;min-height:315px;background:#fff;overflow:hidden}
.home-hero-copy{padding:25px 28px 34px 38px;align-self:center;z-index:2}
.home-hero-copy h1{font-family:Georgia,serif;font-size:42px;line-height:.96;margin:0 0 12px;color:#172033;font-weight:700;letter-spacing:-1px}
.home-hero-copy h1 span{color:#b8730d;font-weight:500}
.home-hero-copy p{max-width:390px;font-size:13.5px;line-height:1.35;margin:0 0 12px;color:#222}
.home-hero-photo{background:url('home-family-clean.jpg') center 24%/cover no-repeat;min-height:315px}
.home-shell{max-width:1000px;margin:0 auto;padding:0 0 2px}
.home-quote{margin-top:-19px;position:relative;z-index:4;padding:8px 16px 12px;border-radius:8px;box-shadow:0 4px 16px rgba(0,0,0,.09);background:#f8f8f8}
.home-quote h2{font-size:21px}
.home-quote .sub{font-size:11px;margin-bottom:6px}
.home-quote .quote-grid{gap:6px 12px}
.home-quote .quote-grid label{font-size:9.5px;color:#1e2d48}
.home-quote .quote-grid input,.home-quote .quote-grid select,.home-quote .quote-grid textarea{padding:6px;font-size:10px;margin-top:2px}
.home-quote .quote-submit button{padding:8px}
.home-quote .quote-submit small{font-size:9px}
.home-insight{max-width:none;margin:7px 0;grid-template-columns:265px 1.45fr .75fr;gap:16px;padding:8px 14px;border-radius:7px}
.insight-image{position:relative}.insight-image span{position:absolute;top:0;left:0;background:#c98508;color:#fff;font-size:10px;font-weight:800;padding:4px 10px;z-index:2}.home-insight img{height:128px;border-radius:3px}
.home-insight h2{font-size:18px;margin:2px 0 4px}.home-insight p{font-size:11px;line-height:1.25;margin:3px 0 7px}.home-insight .btn{padding:7px 15px;font-size:10px}.home-insight .benefit-list{font-size:10px;padding-left:15px}
.home-solutions{max-width:none;margin:7px 0;gap:6px}.home-solutions .tile{min-height:135px;padding:9px 7px;border-radius:5px}.home-solutions .tile .icon{font-size:27px;color:#b8730d}.home-solutions .tile strong{font-size:11px}.home-solutions .tile p{font-size:9px;line-height:1.25;margin:5px 0}.home-solutions .tile span{font-size:9px;color:#172033}.home-trustbar{max-width:none;margin:6px 0 0;padding:8px;font-size:11px;border-radius:4px;background:#f0f0f0;color:#1c293d}
.home-footer{background:#53616f}.home-footer .footer-main{max-width:1000px;padding:11px 20px;grid-template-columns:auto 1.3fr 1.6fr}.home-footer .footer-main img{width:82px;height:82px;margin-top:-26px}.home-footer h3{font-size:16px}.home-footer small{font-size:9px;display:block;max-width:335px}.home-footer .footer-contact{gap:28px}.home-footer .footer-contact a{font-size:13px}.home-footer .legal{font-size:9px;padding:7px 20px}
@media(max-width:900px){.home-page .nav{display:none}.home-hero{grid-template-columns:1fr}.home-hero-copy{padding:25px 25px 15px}.home-hero-photo{min-height:260px}.home-shell{padding:0 14px}.home-quote{margin-top:-12px}.home-insight{grid-template-columns:1fr}.home-solutions{grid-template-columns:repeat(2,1fr)}.home-footer .footer-main{grid-template-columns:auto 1fr}.home-footer .footer-contact{grid-column:1/-1}}

/* === INS-QTE MASTER HOMEPAGE LOCKED v2 === */
.home-page{background:#fff;color:#171717}
.home-page .site-header{background:#14283d;box-shadow:none;position:relative}
.home-page .header-inner{max-width:1320px;padding:10px 22px}
.home-page .logo img{width:160px}
.home-page .nav{gap:30px}
.home-page .nav a{font-size:14px;color:#fff}
.home-page .nav .resource{font-size:15px;color:#fff}
.home-page .nav a:hover,.home-page .nav a.active{color:#fff;border-bottom:3px solid #d99718;padding-bottom:6px}
.home-page .nav .header-cta{background:#d79400;border-radius:5px;padding:11px 28px;color:#fff;border:0}
.home-page .nav .header-cta:hover{border:0;padding-bottom:11px;background:#b97900}
.home-page .hero{max-width:1320px;height:360px;min-height:360px;margin:0 auto;border-radius:0;background-image:url('hero-family-clean-v1.jpg');background-size:cover;background-position:center top;overflow:visible}
.home-page .hero-copy{padding:28px 34px 10px;max-width:510px}
.home-page .hero h1{font-family:Georgia,'Times New Roman',serif;font-size:47px;line-height:.98;letter-spacing:-.7px;color:#10203d;font-weight:500;margin:0 0 13px}
.home-page .hero h1 span{color:#bd7e0d;font-weight:500;display:inline}
.home-page .hero p{font-size:15px;line-height:1.35;max-width:430px;margin:0 0 10px}
.home-page .checks{margin:8px 0}.home-page .checks li{font-size:13px;margin:3px 0}.home-page .checks li:before{width:16px;height:16px;margin-right:8px}
.home-page .quote-wrap{max-width:1180px;margin:-22px auto 8px;padding:0 15px}
.home-page .quote-card{background:#f7f7f7;padding:8px 20px 12px;border-radius:9px;box-shadow:0 3px 10px rgba(0,0,0,.10);border:1px solid #d4d4d4}
.home-page .quote-card h2{font-size:23px;line-height:1.1}.home-page .quote-card .sub{font-size:12px;margin-bottom:5px}
.home-page .quote-grid{gap:5px 12px}.home-page .quote-grid label{font-size:10px;color:#1c2b4a}.home-page .quote-grid input,.home-page .quote-grid select,.home-page .quote-grid textarea{padding:7px 8px;margin-top:2px;font-size:11px;height:31px}.home-page .quote-grid textarea{height:31px;resize:none}.home-page .quote-submit button{padding:8px 14px;background:#d48b00}.home-page .quote-submit small{font-size:9px}
.home-page .insight{max-width:1150px;grid-template-columns:335px 1.45fr .7fr;gap:18px;padding:8px 15px;margin:8px auto}.home-page .insight img{height:145px}.home-page .insight h2{font-size:21px}.home-page .insight p{font-size:12px;line-height:1.35;margin:5px 0 10px}.home-page .benefit-list{font-size:11px;padding-left:20px}.home-page .btn{font-size:11px;padding:8px 15px}
.home-page .solutions{max-width:1150px;gap:8px;margin:8px auto}.home-page .tile{min-height:160px;padding:10px 8px}.home-page .tile .icon{font-size:31px;color:#a96f00}.home-page .tile strong{font-size:12px}.home-page .tile p{font-size:10px;line-height:1.35}.home-page .tile span{font-size:10px;color:#162b58}.home-page .trustbar{max-width:1150px;margin:8px auto 0;padding:8px;font-size:12px;background:#f1f1f1;color:#222}
.home-page .footer{background:#f1f1f1;color:#222;border-top:1px solid #cfcfcf}.home-page .footer-main{max-width:1150px;padding:18px 24px 10px;grid-template-columns:auto 1.25fr 1.25fr}.home-page .footer-main img{width:96px;height:96px;margin-top:-20px;border:2px solid #fff;box-shadow:0 0 0 1px #bbb}.home-page .footer h3{font-size:20px}.home-page .footer small{color:#444}.home-page .footer-contact a{font-size:15px}.home-page .legal{border-top:1px solid #ccc;color:#333;padding:8px 20px}.home-page .gold{color:#b97800}
@media(max-width:900px){.home-page .hero{height:510px;min-height:510px;background-position:61% top}.home-page .hero-copy{background:rgba(255,255,255,.82);max-width:100%;padding:24px}.home-page .quote-wrap{margin:-30px auto 8px}.home-page .insight{grid-template-columns:1fr}.home-page .solutions{grid-template-columns:repeat(2,1fr)}.home-page .footer-main{grid-template-columns:auto 1fr}}


/* Resource Center expansion */
.resource-hero{padding:50px 0 30px;border-bottom:1px solid var(--line)}
.resource-hero .eyebrow{margin:0 0 6px}.resource-center-page{padding-top:0}.resource-section{padding:48px 0;border-bottom:1px solid #e7e7e7}.resource-section:last-of-type{border-bottom:0}.resource-soft{background:#f7f7f7;border:1px solid #e5e5e5;border-radius:12px;padding:42px 28px;margin:28px 0}.section-heading{max-width:850px;margin:0 auto 24px;text-align:center}.section-heading h2{font-family:Georgia,serif;font-size:34px;line-height:1.15;color:var(--ink);margin:5px 0 10px}.section-heading p{color:var(--muted);margin:0}.resource-feature-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}.resource-feature{border:1px solid var(--line);border-radius:10px;padding:25px;background:#fff;box-shadow:0 4px 14px rgba(0,0,0,.04)}.feature-kicker{font-size:11px;font-weight:800;letter-spacing:.08em;color:var(--gold)}.resource-feature h3{font-size:22px;color:var(--ink);margin:6px 0}.text-link{display:inline-block;margin-top:9px;color:#7a520d;font-weight:800;text-decoration:none;border-bottom:1px solid #cda45a}.text-link:hover{color:var(--gold)}.provider-search-card{max-width:960px;margin:auto;background:#fff;border:1px solid var(--line);border-radius:10px;padding:22px}.provider-search-card .search-form{grid-template-columns:1fr 1fr auto;align-items:end}.provider-search-card label span{display:block;font-weight:800;font-size:12px;color:var(--ink);margin-bottom:5px}.provider-search-card input,.provider-search-card select{width:100%}.resource-grid-four{grid-template-columns:repeat(3,1fr)}.resource-link-card h3{font-size:12px;text-transform:uppercase;letter-spacing:.07em;color:var(--gold);margin-bottom:4px}.resource-link-card h4{font-size:20px;margin:0 0 8px;color:var(--ink)}.important-resource{margin:32px 0;background:#2e2e2e;color:#fff;border-left:6px solid var(--gold);padding:23px 25px;border-radius:7px}.important-resource strong{color:#f0ad37}.question-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px}.question-card{background:#fff;border:1px solid var(--line);border-radius:10px;padding:25px}.question-card h3{font-family:Georgia,serif;font-size:24px;color:var(--ink);margin-top:0}.question-card li{margin:10px 0;padding-left:4px}.state-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:12px}.state-card{background:#fff;border:1px solid #d8d8d8;border-radius:8px;padding:14px;min-height:132px}.state-card h3{font-size:15px;margin:0 0 10px;color:var(--ink)}.state-actions{display:flex;flex-direction:column;gap:7px}.state-actions a{font-size:11px;font-weight:800;color:#6d4a0b;text-decoration:none}.state-actions a:hover{color:var(--gold)}.guidance-card{margin:42px 0 12px;padding:30px 32px;background:#fff;border:1px solid #d8d8d8;border-radius:12px;display:grid;grid-template-columns:1fr auto;gap:28px;align-items:center}.guidance-card h2{font-family:Georgia,serif;color:var(--ink);margin:4px 0 8px}.guidance-card p{margin:0;max-width:820px}.guidance-button{background:#242424;color:#fff;padding:14px 26px;text-decoration:none;font-weight:800;border-radius:4px;white-space:nowrap}.guidance-button:hover{background:#000}
@media(max-width:1000px){.resource-grid-four{grid-template-columns:repeat(2,1fr)}.state-grid{grid-template-columns:repeat(3,1fr)}}
@media(max-width:700px){.resource-feature-grid,.question-grid,.resource-grid-four{grid-template-columns:1fr}.provider-search-card .search-form{grid-template-columns:1fr}.state-grid{grid-template-columns:repeat(2,1fr)}.guidance-card{grid-template-columns:1fr}.guidance-button{text-align:center}.resource-soft{padding:30px 16px}}

/* === CANONICAL MASTER v4 CONTENT EXPANSION === */
.insight-feature{display:grid;grid-template-columns:1.25fr .75fr;gap:28px;align-items:center;padding:30px;margin-bottom:30px}.insight-feature img{width:100%;height:230px;object-fit:cover;border-radius:9px}.insight-feature h2{font-family:Georgia,serif;font-size:34px;margin:7px 0 12px}.eyebrow{font-size:11px;letter-spacing:.1em;font-weight:800;color:var(--gold)}.article-library-head{display:flex;justify-content:space-between;gap:30px;align-items:end;margin:38px 0 18px}.article-library-head h2{font-family:Georgia,serif;font-size:34px;margin:5px 0}.archive-note{background:#efefef;border:1px solid #ddd;border-radius:999px;padding:8px 14px;font-size:12px;font-weight:800}.article-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.article-tile{display:block;background:#fff;border:1px solid #ddd;border-radius:10px;padding:23px;text-decoration:none;color:#222;min-height:220px;transition:.2s}.article-tile:hover{transform:translateY(-3px);box-shadow:0 8px 24px rgba(0,0,0,.08)}.article-tile span{font-size:10px;letter-spacing:.08em;font-weight:800;color:var(--gold)}.article-tile h3{font-family:Georgia,serif;font-size:22px;line-height:1.15;margin:8px 0}.article-tile p{color:#555}.article-tile b{color:#7b520d}.archive-explainer{margin-top:28px}.article-lead-grid{display:grid;grid-template-columns:1.35fr .65fr;gap:28px;align-items:center}.article-lead-grid img{width:100%;height:230px;object-fit:cover;border-radius:8px}.lead{font-size:18px;line-height:1.55}.mini-panel{background:#f7f7f7;border:1px solid #ddd;border-radius:8px;padding:18px}.btn-outline{background:#fff!important;color:#333!important;border:1px solid #777!important}.article-divider{border:0;border-top:1px solid #ddd;margin:34px 0}.education-hub{margin-top:26px;display:grid;grid-template-columns:1.2fr .8fr;gap:30px;align-items:center}.education-hub h2{font-family:Georgia,serif}.education-links{display:grid;grid-template-columns:1fr 1fr;gap:10px}.education-links a{display:block;padding:12px;background:#f5f5f5;border:1px solid #ddd;border-radius:6px;color:#6f4a09;text-decoration:none;font-weight:800}.veteran-flag-banner{position:relative;overflow:hidden;background:linear-gradient(90deg,rgba(255,255,255,.94) 0%,rgba(255,255,255,.82) 48%,rgba(255,255,255,.72) 100%)}.veteran-flag-banner:before{content:"";position:absolute;inset:0;opacity:.22;background:repeating-linear-gradient(0deg,#b22234 0 16px,#fff 16px 32px)}.veteran-flag-banner:after{content:"★  ★  ★  ★  ★  ★  ★  ★  ★  ★  ★  ★";position:absolute;left:0;top:0;width:34%;height:100%;box-sizing:border-box;padding:18px;color:#fff;background:rgba(31,58,99,.7);font-size:22px;line-height:1.8;letter-spacing:8px}.veteran-flag-banner .container{position:relative;z-index:2}.veteran-top-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:12px;margin-bottom:25px}.veteran-topic{background:#fff;border:1px solid #ddd;border-radius:8px;padding:18px;text-decoration:none;color:#222}.veteran-topic h3{font-size:16px;margin:0 0 8px}.veteran-topic p{font-size:12px;color:#555}.veteran-topic span{font-size:11px;font-weight:800;color:#7b520d}.comparison-wrap{overflow:auto}.comparison-table{width:100%;border-collapse:collapse;margin:12px 0 20px}.comparison-table th{background:#343434;color:#fff}.comparison-table th,.comparison-table td{padding:12px;border:1px solid #ddd;text-align:left;font-size:13px}.veteran-detail-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:22px 0}.detail-card{background:#fff;border:1px solid #ddd;border-radius:8px;padding:20px}.detail-card h3{font-family:Georgia,serif;font-size:20px}.detail-card a{color:#744d09;font-weight:800;text-decoration:none}.numbered-review{counter-reset:item;list-style:none;padding:0}.numbered-review li{position:relative;padding:12px 12px 12px 48px;margin:8px 0;background:#f7f7f7;border-radius:7px}.numbered-review li:before{counter-increment:item;content:counter(item);position:absolute;left:12px;top:10px;width:25px;height:25px;border-radius:50%;background:var(--gold);color:#fff;text-align:center;line-height:25px;font-weight:800}
@media(max-width:950px){.article-grid{grid-template-columns:1fr 1fr}.insight-feature,.article-lead-grid,.education-hub{grid-template-columns:1fr}.veteran-top-grid{grid-template-columns:1fr 1fr}.veteran-detail-grid{grid-template-columns:1fr 1fr}}
@media(max-width:650px){.article-grid,.veteran-top-grid,.veteran-detail-grid{grid-template-columns:1fr}.article-library-head{display:block}.education-links{grid-template-columns:1fr}.veteran-flag-banner:after{width:100%;opacity:.12}}

/* What to Do When Someone Dies — educational resource */
.after-loss-hero{padding:54px 0 34px;background:linear-gradient(180deg,#fff,#f7f7f7);border-bottom:1px solid #e3e3e3}.after-loss-hero h1{max-width:900px;margin:auto}.after-loss-hero p:last-child{font-size:18px;max-width:760px}.after-loss-main{background:#f7f7f7;padding-top:34px}.after-loss-article{max-width:980px}.urgent-guidance{display:grid;grid-template-columns:auto 1fr;gap:22px;background:#292929;color:#fff;border-left:6px solid var(--gold);border-radius:10px;padding:28px 30px;margin-bottom:20px}.urgent-guidance h2{color:#fff;margin:0 0 8px;font-family:Georgia,serif;font-size:28px}.urgent-guidance p{margin:8px 0;color:#eee}.urgent-number{width:48px;height:48px;border-radius:50%;display:grid;place-items:center;background:var(--gold);color:#fff;font-size:22px;font-weight:800}.after-loss-nav{display:flex;flex-wrap:wrap;gap:8px;padding:14px 0 4px}.after-loss-nav a{background:#fff;border:1px solid #d7d7d7;border-radius:999px;padding:8px 13px;text-decoration:none;font-size:12px;font-weight:800;color:#72500f}.after-loss-section{padding:34px 38px;margin:18px 0;box-shadow:0 4px 16px rgba(0,0,0,.035)}.after-loss-section h2{font-family:Georgia,serif;font-size:30px;line-height:1.18;margin:7px 0 13px}.after-loss-section h3{color:var(--ink);margin:24px 0 8px}.after-loss-section p,.after-loss-section li{font-size:16px;line-height:1.7;color:#3f4650}.step-label{display:block;color:#956000;font-size:11px;font-weight:800;letter-spacing:.1em}.after-loss-list li{margin:8px 0}.after-loss-columns{display:grid;grid-template-columns:1fr 1fr;gap:26px}.after-loss-columns>div{background:#f7f7f7;border:1px solid #e1e1e1;border-radius:8px;padding:18px 20px}.after-loss-columns h3{margin-top:0}.important-note{background:#f8f3e9;border-left:4px solid var(--gold);padding:18px 20px;margin-top:22px;color:#3f4650}.official-resource-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:20px 0}.official-resource-grid a{display:flex;flex-direction:column;gap:3px;padding:18px;border:1px solid #ddd;border-radius:8px;text-decoration:none;background:#f8f8f8}.official-resource-grid strong{color:#7a520d}.official-resource-grid span{color:#4d545d;font-size:13px}.after-loss-closing{background:#fff;border-top:4px solid var(--gold);border-radius:9px;padding:30px 36px;margin:26px 0 10px}.after-loss-closing h2{font-family:Georgia,serif;margin-top:0}.after-loss-closing p{font-size:16px;line-height:1.7;color:#3f4650}
@media(max-width:700px){.urgent-guidance{grid-template-columns:1fr;padding:24px 20px}.after-loss-section{padding:25px 20px}.after-loss-columns,.official-resource-grid{grid-template-columns:1fr}.after-loss-nav{display:grid;grid-template-columns:1fr 1fr}.after-loss-nav a{text-align:center}.after-loss-section h2{font-size:26px}}


/* Canonical v7: mobile-only homepage hero correction. Desktop is unchanged. */
.home-page .hero-mobile-image{display:none}
@media(max-width:700px){
  .home-page .site-header{position:relative}
  .home-page .header-inner{min-height:104px;padding:18px 22px;justify-content:flex-start}
  .home-page .logo img{width:190px;max-width:62vw}
  .home-page .hero{
    display:flex;
    flex-direction:column;
    width:100%;
    height:auto;
    min-height:0;
    margin:0;
    border-radius:0;
    background:none;
    overflow:hidden;
  }
  .home-page .hero-copy{
    order:1;
    width:100%;
    max-width:none;
    padding:28px 24px 24px;
    background:#fff;
  }
  .home-page .hero h1{
    font-size:42px;
    line-height:.98;
    letter-spacing:-.6px;
    margin-bottom:16px;
  }
  .home-page .hero h1 span{display:block}
  .home-page .hero p{font-size:17px;line-height:1.42;max-width:none}
  .home-page .checks li{font-size:16px;margin:8px 0}
  .home-page .hero-mobile-image{
    order:2;
    display:block;
    width:100%;
    height:255px;
    background-image:url('homepage-hero-2026-v2.png');
    background-repeat:no-repeat;
    background-size:auto 100%;
    background-position:70% center;
    background-color:#fff;
  }
  .home-page .quote-wrap{
    margin:-18px auto 10px;
    padding:0 14px;
    width:100%;
  }
  .home-page .quote-card{padding:16px 14px 18px;border-radius:12px}
  .home-page .quote-card h2{font-size:28px;line-height:1.05}
  .home-page .quote-card .sub{font-size:14px;margin:5px 0 14px}
  .home-page .quote-grid{grid-template-columns:1fr 1fr;gap:10px 12px}
  .home-page .quote-grid label{font-size:12px}
  .home-page .quote-grid input,
  .home-page .quote-grid select,
  .home-page .quote-grid textarea{height:48px;padding:11px;font-size:16px}
  .home-page .quote-grid .wide,
  .home-page .quote-submit{grid-column:1/-1}
  .home-page .quote-submit button{padding:14px;font-size:16px}
}

/* Quote thank-you modal */
body.modal-open{overflow:hidden}
.agent-modal{position:fixed;inset:0;z-index:9999;display:none;align-items:center;justify-content:center;padding:18px}
.agent-modal.is-open{display:flex}
.agent-modal__backdrop{position:absolute;inset:0;background:rgba(5,12,25,.68);backdrop-filter:blur(2px)}
.agent-modal__card{position:relative;width:min(620px,94vw);max-height:88vh;overflow:auto;background:#fff;border-radius:16px;box-shadow:0 24px 70px rgba(0,0,0,.35);padding:28px 34px 24px;color:#111a35}
.agent-modal__close{position:absolute;right:16px;top:14px;width:38px;height:38px;border:1px solid #aeb8c7;border-radius:50%;background:#fff;color:#17233f;font-size:28px;line-height:32px;cursor:pointer}
.agent-modal__eyebrow{font-weight:800;color:#098b8e;font-size:17px;margin:2px 48px 18px 0}
.agent-modal__identity{display:flex;align-items:center;gap:22px;margin-bottom:18px}
.agent-modal__identity>img{width:102px;height:102px;object-fit:cover;border-radius:50%;border:4px solid #fff;box-shadow:0 3px 14px rgba(0,0,0,.18)}
.agent-modal__identity h2{font-size:42px;line-height:1;margin:0 0 12px;color:#07132e}
.agent-modal__company{display:flex;align-items:center;gap:13px;color:#52617d;font-size:19px}
.agent-modal__company img{width:78px;height:28px;object-fit:contain;border-right:1px solid #bcc4cf;padding-right:13px}
.agent-modal__card p{font-size:18px;line-height:1.45;margin:12px 0}
.agent-modal__callout{display:flex;align-items:center;gap:14px;background:#e8f5f5;color:#087f82;border-radius:10px;padding:16px 20px;margin:18px 0;font-size:19px}
.agent-modal__bio{font-size:16px!important}
.agent-modal__contact{display:flex;align-items:center;justify-content:space-between;gap:16px;margin:18px 0 14px;font-size:16px}
.agent-modal__contact strong{font-size:18px}
.agent-modal__contact a{color:#078c8e;font-weight:800;text-decoration:none}
.agent-modal__return{width:100%;border:0;border-radius:7px;background:#078f8f;color:#fff;font-weight:800;font-size:18px;padding:15px;cursor:pointer}

/* Desktop hero: proportional wide crop prevents distortion while preserving the white text area. */
@media(min-width:701px){
  .home-page .hero{
    width:100%;
    max-width:none;
    background-color:#fff;
    background-image:url('homepage-hero-2026-v2.png');
    height:540px;
    min-height:540px;
    background-size:cover;
    background-position:center top;
    background-repeat:no-repeat;
  }
  .home-page .quote-wrap{
    margin:16px auto 8px;
  }
}

/* Live visitor-local date displayed over the lower-left hero window. */
.hero-date-panel{position:absolute;z-index:4;left:34%;bottom:42px;transform:translateX(-50%);width:220px;min-height:210px;padding:13px 18px 12px;border-radius:7px;background:rgba(248,252,255,.25);box-shadow:inset 0 0 24px rgba(255,255,255,.16);backdrop-filter:blur(1.5px);-webkit-backdrop-filter:blur(1.5px);display:flex;flex-direction:column;align-items:center;justify-content:center;color:#171717;font-family:Georgia,'Times New Roman',serif;text-align:center;line-height:1;pointer-events:none}
.hero-date-today{color:#b47a10;font-size:16px;letter-spacing:.16em;margin-bottom:7px}
.hero-date-weekday,.hero-date-month{font-size:24px;letter-spacing:.07em;margin:2px 0}
.hero-date-number{font-size:78px;line-height:.88;font-weight:400;margin:7px 0 4px}
.hero-date-year{color:#b47a10;font-size:19px;letter-spacing:.18em}

@media(min-width:1100px){
  .home-page .hero-copy{
    padding-left:calc(34px + 2in);
    max-width:710px;
  }
}

/* Borderless carrier-logo marquee between the hero and quote form. */
.carrier-marquee{width:min(1180px,calc(100% - 30px));height:36px;margin:8px auto 0;overflow:hidden;background:transparent;position:relative;display:flex;align-items:center;mask-image:linear-gradient(90deg,transparent,#000 5%,#000 95%,transparent);-webkit-mask-image:linear-gradient(90deg,transparent,#000 5%,#000 95%,transparent)}
@media(min-width:701px){.carrier-marquee{width:calc(100% - 2in);max-width:none}}
.carrier-track{display:flex;width:max-content;will-change:transform;animation:carrierScroll 34s linear infinite}
.carrier-set{display:flex;align-items:center;gap:66px;padding-right:66px;flex:none}
.carrier-set img{display:block;width:auto;height:27px;max-width:150px;object-fit:contain}
.carrier-wordmark{display:flex;flex-direction:column;align-items:center;justify-content:center;flex:none;line-height:.82;background:transparent}
.carrier-wordmark--cvs{flex-direction:row;gap:6px;font-family:Arial,Helvetica,sans-serif;line-height:1;color:#1f1f1f}
.carrier-wordmark--cvs b{font-size:17px;color:#cc0000;white-space:nowrap}
.carrier-wordmark--cvs small{font-size:16px;letter-spacing:-.03em}
.carrier-wordmark--gerber{font-family:Georgia,'Times New Roman',serif;font-size:18px;font-weight:800;color:#164d91;letter-spacing:.02em}
.carrier-wordmark--gerber small{font-family:Arial,Helvetica,sans-serif;font-size:6px;letter-spacing:.16em;margin-top:4px}
@media(hover:hover) and (pointer:fine){.carrier-marquee:hover .carrier-track{animation-play-state:paused}}
@keyframes carrierScroll{from{transform:translateX(0)}to{transform:translateX(-50%)}}
@media(prefers-reduced-motion:reduce){.carrier-track{animation:none}.carrier-marquee{overflow-x:auto}}
@media(max-width:700px){
  .hero-date-panel{left:18px;bottom:18px;transform:none;width:138px;min-height:160px;padding:9px 10px;background:rgba(248,252,255,.38)}
  .hero-date-today{font-size:11px;margin-bottom:4px}.hero-date-weekday,.hero-date-month{font-size:15px}.hero-date-number{font-size:53px;margin:5px 0 3px}.hero-date-year{font-size:13px}
  .carrier-marquee{width:100%;height:58px;margin:12px auto 0}
  .carrier-track{animation:carrierScroll 25s linear infinite!important;animation-play-state:running!important}
  .carrier-set{gap:42px;padding-right:42px}
  .carrier-set img{height:36px;max-width:150px}
  .carrier-wordmark--cvs b{font-size:20px}
  .carrier-wordmark--cvs small{font-size:18px}
  .carrier-wordmark--gerber{font-size:22px}
  .home-page .quote-wrap{margin:8px auto 10px}
}

/* Unified white, gray and charcoal brand treatment with restrained gold accents. */
.site-header,
.home-page .site-header{background:#050505}
.site-header .logo img{width:220px;height:auto}
.home-page .logo img{width:230px;height:auto}
.home-page{background:#fff}
.home-page .hero{background-color:#fff}
.home-page .quote-card,
.home-page .trustbar{background:#f3f3f3}
.home-page .tile,
.home-page .insight{background:#fff}
.home-page .hero h1 span,
.home-page .tile .icon,
.gold{color:#b47a10}
.home-page .header-cta,
.home-page .quote-submit button{background:#b47a10}

@media(max-width:700px){
  .site-header .logo img,
  .home-page .logo img{width:230px;max-width:72vw}
}
@media(max-width:640px){
 .agent-modal{padding:10px}
 .agent-modal__card{width:94vw;max-height:86vh;padding:22px 20px 18px;border-radius:14px}
 .agent-modal__eyebrow{font-size:14px;margin-bottom:14px}
 .agent-modal__identity{gap:14px;align-items:center}
 .agent-modal__identity>img{width:76px;height:76px}
 .agent-modal__identity h2{font-size:29px;margin-bottom:8px}
 .agent-modal__company{font-size:14px;gap:8px}
 .agent-modal__company img{width:58px;height:22px;padding-right:8px}
 .agent-modal__card p{font-size:15px;line-height:1.4}
 .agent-modal__callout{font-size:15px;padding:13px 14px;margin:14px 0}
 .agent-modal__bio{font-size:14px!important}
 .agent-modal__contact{display:block;font-size:14px;line-height:1.6;margin:14px 0 12px}
 .agent-modal__contact strong{display:block;font-size:16px}
 .agent-modal__return{font-size:16px;padding:13px}
}
@media(max-width:420px){
  .home-page .hero h1{font-size:39px}
  .home-page .hero-mobile-image{height:235px;background-position:69% center}
}

/* Veterans wide photographic flag banner — approved layout */
.veteran-photo-banner{min-height:190px;display:flex;align-items:center;position:relative;overflow:hidden;background:#fff;border-bottom:1px solid #d8d8d8;text-align:left}
.veteran-photo-banner:before{content:'';position:absolute;inset:0;background-image:linear-gradient(90deg,#fff 0%,#fff 38%,rgba(255,255,255,.92) 48%,rgba(255,255,255,.35) 65%,rgba(255,255,255,0) 78%),url('veterans-banner-2026.png');background-repeat:no-repeat;background-size:cover;background-position:right center;opacity:1}
.veteran-photo-banner:after{display:none!important}
.veteran-photo-banner .container{position:relative;z-index:2;width:100%}
.veteran-photo-banner h1{font-family:Arial,Helvetica,sans-serif;font-size:38px;line-height:1.1;color:#142654;margin:0 0 10px;text-shadow:0 1px 0 rgba(255,255,255,.9);max-width:610px}
.veteran-photo-banner p{max-width:570px;margin:0;color:#27334a;font-size:17px;line-height:1.45;font-weight:500}

/* About Kevin redesigned to match the requested clean credential layout */
.about-modern{padding:42px 0 54px;background:#fff}
.about-intro-card{display:grid;grid-template-columns:1.02fr .98fr;gap:52px;align-items:center;padding:0 0 34px}
.about-intro-copy h1{font-family:Georgia,'Times New Roman',serif;font-size:38px;line-height:1.12;color:var(--ink);margin:0 0 12px}
.about-intro-copy h2{font-family:Georgia,'Times New Roman',serif;font-size:34px;line-height:1.22;color:#bd6f12;margin:0 0 23px}
.about-intro-copy p{font-size:17px;line-height:1.72;color:#3e4653;margin:0 0 18px;max-width:570px}
.about-modern-photo{width:100%;height:410px;object-fit:cover;object-position:center 18%;border-radius:12px;box-shadow:0 8px 22px rgba(15,29,52,.13)}
.about-modern-photo-wrap{position:relative;width:100%;height:410px;overflow:hidden;border-radius:12px;background:#111 url('kevin-about-updated.jpg') center top/100% auto no-repeat;box-shadow:0 8px 22px rgba(15,29,52,.13)}
.about-modern-photo-wrap span{position:absolute;left:50%;bottom:0;transform:translateX(-50%);width:max-content;max-width:90%;color:#d6a44b;font-family:'Brush Script MT','Segoe Script','Snell Roundhand',cursive;font-size:38px;font-style:italic;line-height:1;text-shadow:0 2px 5px rgba(0,0,0,.75)}
.about-stats{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin:0 0 24px}
.about-stat{min-height:205px;border:1px solid #dfe3e8;border-radius:12px;padding:22px 12px;text-align:center;background:#fff;box-shadow:0 3px 12px rgba(15,29,52,.04);display:flex;flex-direction:column;align-items:center;justify-content:center}
.about-stat-icon{font-size:38px;line-height:1;color:#172b56;margin-bottom:10px}
.about-stat p{font-size:14px;font-weight:700;margin:0 0 4px;color:#303a4c}
.about-stat strong{font-family:Georgia,serif;font-size:43px;line-height:1;color:#142a5a;margin:2px 0 8px}
.about-stat strong.npn-number{font-size:30px}
.about-stat>span:last-child{font-size:14px;line-height:1.35;color:#555d68}
.about-lower-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.about-commitment,.about-credentials{border:1px solid #dfe3e8;border-radius:12px;padding:28px;background:#fff;box-shadow:0 3px 12px rgba(15,29,52,.04)}
.about-lower-grid h2{font-family:Georgia,serif;color:#172b56;font-size:26px;margin:0 0 15px}
.about-lower-grid h3{color:#172b56;margin:20px 0 8px}
.about-commitment p,.about-credentials p{color:#4c5562;line-height:1.6}
.about-commitment ul{list-style:none;padding:0;margin:20px 0}
.about-commitment li{position:relative;padding:9px 0 9px 34px;color:#37404d;font-weight:600}
.about-commitment li:before{content:'✓';position:absolute;left:0;top:8px;width:21px;height:21px;border-radius:50%;background:#d97515;color:#fff;text-align:center;line-height:21px;font-size:13px;font-weight:900}
.real-broker-note{border-top:1px solid #e4e6e9;margin-top:22px;padding-top:2px}
.about-license-real{display:block;width:100%;max-height:260px;object-fit:contain;background:#f7f7f7;border:1px solid #d4d7db;border-radius:7px;padding:8px}
.privacy-note{font-size:11px!important;color:#777!important;margin:7px 0 14px!important}
.verify-links{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:14px}
.verify-links a{display:flex;align-items:center;justify-content:center;min-height:52px;padding:10px;border:2px solid #263b72;border-radius:7px;color:#263b72;text-decoration:none;font-weight:800;text-align:center;font-size:13px}
.verify-links a:hover{background:#263b72;color:#fff}
@media(max-width:900px){.about-intro-card{grid-template-columns:1fr;gap:24px}.about-modern-photo,.about-modern-photo-wrap{height:360px}.about-modern-photo-wrap span{bottom:0}.about-stats{grid-template-columns:1fr 1fr}.about-lower-grid{grid-template-columns:1fr}}
@media(max-width:560px){.about-modern{padding-top:25px}.about-intro-copy h1{font-size:32px}.about-intro-copy h2{font-size:27px}.about-modern-photo,.about-modern-photo-wrap{height:300px}.about-modern-photo-wrap span{bottom:0;font-size:31px}.about-stats{grid-template-columns:1fr}.about-stat{min-height:165px}.verify-links{grid-template-columns:1fr}.veteran-photo-banner{min-height:250px;align-items:flex-start;padding-top:24px}.veteran-photo-banner:before{background-image:linear-gradient(180deg,#fff 0%,rgba(255,255,255,.96) 42%,rgba(255,255,255,.45) 72%,rgba(255,255,255,.08) 100%),url('veterans-banner-2026.png');background-size:auto 100%;background-position:right bottom}.veteran-photo-banner .container{padding-right:24px}.veteran-photo-banner h1{font-size:31px;max-width:100%}.veteran-photo-banner p{font-size:15px;max-width:100%}}

/* === Insurance Insight Center — scoped, approved layout === */
.sr-only{position:absolute!important;width:1px!important;height:1px!important;padding:0!important;margin:-1px!important;overflow:hidden!important;clip:rect(0,0,0,0)!important;white-space:nowrap!important;border:0!important}
.insight-center-page{background:#fff}
.insight-center-hero{display:grid;grid-template-columns:1.08fr .92fr;min-height:320px;margin-top:48px;background:#fff}
.insight-center-hero-image{min-height:320px;background-image:linear-gradient(90deg,rgba(255,255,255,0) 70%,rgba(255,255,255,.72) 90%,#fff 100%),url('insight-center-woman-v2.jpg');background-position:center,center;background-size:cover,cover;background-repeat:no-repeat}
.insight-center-hero-copy{display:flex;flex-direction:column;justify-content:center;padding:42px clamp(34px,6vw,90px)}
.insight-center-hero-copy h1{font-family:Georgia,'Times New Roman',serif;font-size:56px;line-height:1.03;color:var(--ink);margin:0 0 20px}
.insight-center-hero-copy p{font-size:17px;line-height:1.6;color:#3f4650;max-width:590px;margin:0}
.insight-library{padding:34px 0 52px;background:#fff}
.insight-controls{display:grid;grid-template-columns:minmax(0,1fr) 270px;gap:14px;margin:0 0 30px}
.insight-controls input,.insight-controls select{width:100%;height:48px;border:1px solid #cfd3d8;border-radius:7px;background:#fff;padding:0 15px;font:inherit;color:#222}
.insight-library-heading{display:flex;justify-content:space-between;align-items:flex-end;gap:24px;margin-bottom:22px}
.insight-library-heading h2{font-family:Georgia,'Times New Roman',serif;font-size:36px;color:var(--ink);line-height:1.15;margin:6px 0 9px}
.insight-library-heading p{margin:0;color:#59616b}
.article-count{flex:0 0 auto;border:1px solid #ddd;background:#f2f2f2;border-radius:999px;padding:8px 14px;font-size:12px;font-weight:800;color:#555}
.featured-article-card{margin:0 0 18px}
.featured-article-inner{display:block;border:1px solid #d9dde2;border-radius:10px;padding:24px 26px;background:#fff;min-height:190px}
.featured-article-inner h3{font-family:Georgia,'Times New Roman',serif;color:var(--ink);font-size:29px;line-height:1.17;margin:8px 0 10px;max-width:850px}
.featured-article-inner p{color:#535b65;line-height:1.55;max-width:850px}
.featured-article-inner a,.insight-center-page .article-tile a{display:inline-block;color:#9b6200;text-decoration:none;font-weight:800;margin-top:6px}
.featured-article-inner a:hover,.insight-center-page .article-tile a:hover{text-decoration:underline}
.article-category{font-size:10px;letter-spacing:.08em;font-weight:800;color:var(--gold);text-transform:uppercase}
.article-date{font-size:12px;color:#6a7079;margin-top:5px}
.insight-center-page .article-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.insight-center-page .article-tile{display:block;min-height:220px;padding:21px;border:1px solid #d9dde2;border-radius:10px;background:#fff;color:#222;text-decoration:none;box-shadow:none;transform:none}
.insight-center-page .article-tile:hover{transform:translateY(-2px);box-shadow:0 7px 18px rgba(0,0,0,.06)}
.insight-center-page .article-tile h3{font-family:Georgia,'Times New Roman',serif;color:var(--ink);font-size:21px;line-height:1.18;margin:8px 0 10px}
.insight-center-page .article-tile p{font-size:14px;color:#555d66;line-height:1.5;margin:0}
.article-status{margin-top:20px;padding:12px 14px;border-left:4px solid var(--gold);background:#f5f5f5;color:#666;font-size:12px}
.no-results{grid-column:1/-1;padding:28px;text-align:center;background:#f7f7f7;border:1px solid #ddd;border-radius:8px}
.insight-center-page .footer,.article-page .footer{background:#292929;color:#fff;border-top:1px solid #171717}
.insight-center-page .footer small,.article-page .footer small{color:#d3d3d3}
.insight-center-page .footer-contact a,.article-page .footer-contact a{color:#fff}
.insight-center-page .legal,.article-page .legal{border-top:1px solid #444;color:#d7d7d7}
.insight-center-page .legal a,.article-page .legal a{color:#fff}
.article-main{padding:38px 0 55px;background:#f7f7f7}
.article-back{display:inline-block;margin-bottom:18px;color:#8c5b08;font-weight:800;text-decoration:none}
.article-shell{max-width:920px;margin:auto;background:#fff;border:1px solid #ddd;border-radius:12px;padding:clamp(24px,5vw,58px);box-shadow:0 5px 20px rgba(0,0,0,.04)}
.article-meta{display:flex;flex-wrap:wrap;gap:10px 20px;color:#7b520d;font-size:12px;font-weight:800;border-bottom:1px solid #e3e3e3;padding-bottom:15px;margin-bottom:20px}
.article-body h1{font-family:Georgia,'Times New Roman',serif;color:var(--ink);font-size:43px;line-height:1.08;margin:0 0 22px}
.article-body h2{font-family:Georgia,'Times New Roman',serif;color:var(--ink);font-size:28px;margin:34px 0 12px}
.article-body p,.article-body li{font-size:17px;line-height:1.72;color:#3f4650}
.article-body ul{padding-left:24px}
.article-cta{margin-top:40px;padding:28px;background:#f2f2f2;border-left:5px solid var(--gold);border-radius:8px}
.article-cta h2{font-family:Georgia,'Times New Roman',serif;color:var(--ink);margin:0 0 8px}
.article-loading{padding:40px;text-align:center;color:#666}
@media(max-width:900px){
 .insight-center-hero{grid-template-columns:1fr;margin-top:24px}.insight-center-hero-image{min-height:265px;background-image:linear-gradient(180deg,rgba(255,255,255,0) 72%,rgba(255,255,255,.72) 90%,#fff 100%),url('insight-center-woman-v2.jpg')}.insight-center-hero-copy{padding:32px 24px}.insight-center-hero-copy h1{font-size:44px}
 .insight-center-page .article-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
}

/* Offline-safe online reader: book pages are part of the website package. */
.ebook-page-stack{display:grid;gap:22px;max-width:650px;margin:22px auto 0}
.ebook-page-stack img{display:block;width:100%;height:auto;border:1px solid #ddd;background:#fff;box-shadow:0 6px 20px rgba(0,0,0,.08)}
.ebook-reader-3d{display:grid;grid-template-columns:245px minmax(0,1fr);align-items:center;gap:34px;min-height:260px;padding:28px 34px;background:#fff;border:0;border-radius:0;box-shadow:none}
.ebook-reader-3d__book{text-align:center}.ebook-reader-3d img{width:238px!important;max-width:238px!important;height:auto!important;border:0!important;box-shadow:none!important;background:transparent!important;filter:drop-shadow(0 15px 12px rgba(0,0,0,.42))}
.ebook-reader-3d__welcome span{display:block;margin:0 0 8px;color:#a76f0e;font-size:10px;font-weight:850;letter-spacing:.13em;text-transform:uppercase}.ebook-reader-3d__welcome h3{margin:0 0 11px;color:#171717;font-family:Georgia,'Times New Roman',serif;font-size:27px;line-height:1.12;font-weight:500}.ebook-reader-3d__welcome p{margin:0 0 17px;color:#4a4f54;font-size:14px;line-height:1.55}.ebook-reader-3d__welcome a{display:inline-block;color:#a76f0e;font-size:12px;font-weight:850;letter-spacing:.06em;text-decoration:none;text-transform:uppercase}.ebook-reader-3d__welcome a b{display:inline-block;margin-left:7px;font-size:19px;line-height:.7;vertical-align:-2px}.ebook-reader-3d+img{margin-top:26px}.ebook-page-stack>img{scroll-margin-top:92px}
@media(max-width:650px){.ebook-reader-3d{grid-template-columns:1fr;gap:17px;padding:25px 22px;text-align:center}.ebook-reader-3d img{width:215px!important;max-width:215px!important}.ebook-reader-3d__welcome h3{font-size:24px}}
@media(max-width:650px){
 .insight-center-hero-image{min-height:230px}.insight-center-hero-copy h1{font-size:39px}.insight-center-hero-copy p{font-size:16px}
 .insight-controls{grid-template-columns:1fr}.insight-library-heading{display:block}.article-count{display:inline-block;margin-top:15px}
 .insight-center-page .article-grid{grid-template-columns:1fr}.featured-article-inner h3{font-size:25px}.article-body h1{font-size:34px}
}

/* Final mobile safety pass: prevents horizontal overlap without changing approved desktop layouts. */
html,body{max-width:100%;overflow-x:hidden}
@media(max-width:900px){
  .header-inner{padding-left:18px;padding-right:18px}
  .veteran-top-grid>* , .veteran-detail-grid>*{min-width:0}
  .comparison-wrap{width:100%;max-width:100%;overflow-x:auto;-webkit-overflow-scrolling:touch}
  .comparison-table{min-width:620px}
  .official-links .grid-3{grid-template-columns:1fr}
}
@media(max-width:560px){
  .content{padding-top:12px}
  .container{padding-left:16px;padding-right:16px}
  .veteran-topic,.detail-card,.panel{padding:18px}
  .veteran-topic h3,.detail-card h3{overflow-wrap:anywhere}
  .numbered-review li{padding-right:10px}
}

/* Homepage daily Insurance Insight metadata */
.home-insight-date{margin:.35rem 0 .45rem;font-size:.85rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:#6b6b6b}

/* Homepage quote-choice section — added Aug. 9, 2026. Vertical-flow only; existing site width unchanged. */
.insurance-simplified{max-width:1180px;margin:48px auto;padding:0 24px}
.insurance-simplified__heading{display:grid;grid-template-columns:minmax(40px,1fr) auto minmax(40px,1fr);align-items:center;gap:18px;max-width:720px;margin:0 auto 20px;text-align:center}
.insurance-simplified__heading span{height:1px;background:#b98a31}
.insurance-simplified__heading h2{margin:0;color:#171717;font-family:Georgia,'Times New Roman',serif;font-size:31px;font-weight:500;line-height:1.15}
.insurance-simplified__grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:84px;align-items:start}
.insurance-simplified__card{padding:8px 0 0;border:0;border-radius:0;background:transparent;text-align:center;box-shadow:none}
.insurance-simplified__icon{width:44px;height:44px;margin:0 auto 9px;display:grid;place-items:center;border:1px solid #171717;border-radius:50%;color:#171717;font-size:23px;font-weight:800}
.insurance-simplified__card h3{margin:0 0 7px;color:#171717;font-family:Georgia,'Times New Roman',serif;font-size:19px}
.insurance-simplified__card p{margin:0;color:#50555a;font-size:13.5px;line-height:1.5}
.insurance-simplified__card a{color:#8a5d0a;font-weight:800}
.quote-choice-section{max-width:1080px;margin:0 auto 14px;padding:0 20px}
.quote-choice-heading{text-align:center;margin-bottom:16px}
.quote-choice-heading h2{font-family:Georgia,'Times New Roman',serif;color:var(--ink);font-size:30px;line-height:1.15;margin:0 0 5px}
.quote-choice-heading p{margin:0;color:#5b6168;font-size:14px}
.quote-choice-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.quote-choice-card{position:relative;display:flex;flex-direction:column;align-items:center;text-align:center;min-height:305px;padding:25px 34px 24px;border:1px solid #d4d4d4;border-radius:9px;background:#fff;text-decoration:none;color:var(--ink);box-shadow:0 5px 16px rgba(0,0,0,.055)}
.quote-choice-card--guidance:hover{border-color:#b67a10;box-shadow:0 8px 22px rgba(0,0,0,.08);transform:translateY(-1px)}
.quote-choice-card--estimator{border-color:#d3a04a}
.quote-choice-icon{width:62px;height:62px;border:2px solid #bc8120;border-radius:50%;display:grid;place-items:center;color:#a76c08;font-size:25px;font-weight:700;margin-bottom:10px}
.quote-choice-label{color:#a86e0b;font-size:12px;font-weight:800;letter-spacing:.06em}
.quote-choice-card h3{font-family:Georgia,'Times New Roman',serif;font-size:24px;line-height:1.12;margin:5px 0 10px;text-transform:uppercase}
.quote-choice-card p{font-size:15px;line-height:1.5;color:#3f4650;margin:0 0 19px;max-width:450px}
.quote-choice-button{margin-top:auto;width:100%;background:#222;color:#fff;border-radius:4px;padding:12px 16px;font-weight:800;font-size:14px}
.quote-choice-button--muted{background:linear-gradient(90deg,#ddb354,#b87911);color:#141414}
.coming-soon-badge{position:absolute;top:12px;left:14px;background:#222;color:#fff;border-radius:999px;padding:5px 9px;font-size:10px;letter-spacing:.07em;font-weight:800}
.after-submission-link{display:block;width:100%;max-width:none;margin:0 auto;padding:12px 16px;border-radius:4px;background:#222;color:#fff;text-align:center;text-decoration:none;font-size:14px;font-weight:800}
.after-submission-link:hover{background:#000}
.homepage-preliminary-card{position:relative}
.preliminary-option-marker{position:absolute;z-index:3;left:20px;top:-29px;display:flex;align-items:center;gap:9px;color:#9b680d}
.preliminary-option-icon{width:56px;height:56px;display:grid;place-items:center;border:2px solid #bc8120;border-radius:50%;background:#fff;color:#a76c08;font-size:23px;font-weight:700;box-shadow:0 3px 9px rgba(0,0,0,.08)}
.preliminary-option-marker small{font-size:10px;font-weight:850;letter-spacing:.08em}
.estimator-wrap{width:100%;max-width:1120px;margin:48px auto;padding:0 20px}
.estimator-card{position:relative;width:100%;padding:22px 24px 10px;background:#f7f7f7;border:1px solid #d4d4d4;border-radius:9px;box-shadow:0 3px 10px rgba(0,0,0,.10);overflow:visible}
.estimator-option-marker{position:absolute;z-index:3;left:20px;top:-29px;display:flex;align-items:center;gap:9px;color:#9b680d}
.estimator-option-icon{width:56px;height:56px;display:grid;place-items:center;border:2px solid #bc8120;border-radius:50%;background:#fff;color:#a76c08;font-size:19px;font-weight:700;box-shadow:0 3px 9px rgba(0,0,0,.08)}
.estimator-option-marker small{font-size:10px;font-weight:850;letter-spacing:.08em}
.estimator-card #container-id{width:100%;overflow:visible}
.estimator-card iframe{display:block;width:100%!important;max-width:100%;border:0}
.estimator-intro{text-align:center;padding:0 18px 14px}
.estimator-intro h2{margin:0 0 4px;font-family:Georgia,'Times New Roman',serif;font-size:25px;color:var(--ink)}
.estimator-intro p{max-width:760px;margin:0 auto;color:#4f5b66;font-size:13px;line-height:1.45}
.after-submission-section{position:relative;z-index:20;width:100%;max-width:1120px;min-height:0;margin:48px auto 0;padding:0 20px;overflow:visible}
.after-submission-section .after-submission-link{position:relative;z-index:21;display:flex;align-items:center;justify-content:center;gap:12px;width:100%;min-height:0;padding:9px 16px;border:0;border-radius:4px;background:#e5e5e5;color:var(--ink);box-shadow:none;font-family:Arial,Helvetica,sans-serif;font-size:14px;font-weight:800;text-align:center}
.after-submission-section .after-submission-link:hover{background:#dddddd}
.after-submission-learn{flex:0 0 auto;margin-left:48px;color:var(--ink);font-size:12px;font-weight:700}
.after-submission-character{position:absolute;z-index:22;right:210px;top:-64px;width:auto;height:192px;max-width:18%;object-fit:contain;object-position:center bottom;pointer-events:none}
.after-submission-section + .insight{margin-top:48px}
@media(max-width:760px){.after-submission-section{min-height:70px;padding:0 14px}.after-submission-section .after-submission-link{gap:6px;padding:8px 86px 8px 12px;font-size:12px}.after-submission-learn{margin-left:12px;font-size:10px}.after-submission-character{right:14px;top:-43px;height:160px;max-width:28%}.after-submission-section + .insight{margin-top:48px}}
.starting-point-actions{display:flex;justify-content:center;align-items:stretch;gap:12px;flex-wrap:wrap;margin:18px 0}.starting-point-actions .btn{display:flex;align-items:center;justify-content:center;min-width:280px;margin:0}.starting-point-actions .btn.outline{margin-left:0}
@media(max-width:760px){.starting-point-panel{padding:24px 18px}.starting-point-actions{display:grid;grid-template-columns:1fr;gap:14px;width:100%;margin:18px 0}.starting-point-actions .btn{display:block;width:100%;min-width:0;margin:0;padding:12px 10px;line-height:1.25}.starting-point-actions .btn.outline{margin-left:0}}
.quote-paths-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin:0 0 28px}
.quote-path-card{position:relative;padding:27px 28px;border:1px solid #d5d5d5;border-radius:10px;background:#fff;box-shadow:0 5px 16px rgba(0,0,0,.05)}
.quote-path-card:first-child{border-top:4px solid #252525}.quote-path-card:last-child{border-top:4px solid var(--gold)}
.quote-path-card .path-label{color:#9a680d;font-size:11px;font-weight:850;letter-spacing:.1em}
.quote-path-card h2{margin:5px 0 10px;font-family:Georgia,'Times New Roman',serif;font-size:25px;color:var(--ink)}
.quote-path-card p,.quote-path-card li{color:#454c54;line-height:1.65}
.quote-path-card ol{margin:12px 0 0;padding-left:21px}.quote-path-card li{margin:8px 0}
.quote-guidance-callout{padding:23px 26px;border-left:5px solid var(--gold);border-radius:8px;background:#f6f2e9}
.quote-guidance-callout a{color:#79510a;font-weight:850}
@media(max-width:760px){.quote-paths-grid{grid-template-columns:1fr}.quote-path-card{padding:22px 20px}}
.insight-date{font-size:12px;line-height:1.2;color:#6a6a6a;font-weight:800;margin:2px 0 5px;letter-spacing:.02em}
@media(max-width:760px){.insurance-simplified{margin:38px auto;padding:0 20px}.insurance-simplified__heading{gap:10px}.insurance-simplified__heading h2{font-size:25px}.insurance-simplified__grid{grid-template-columns:1fr;gap:34px}.insurance-simplified__card{padding:0}.quote-choice-section{margin-top:0;padding:0 16px}.quote-choice-grid{grid-template-columns:1fr}.quote-choice-card{min-height:0;padding:24px 22px}.quote-choice-heading h2{font-size:26px}}
@media(max-width:760px){.after-submission-link{width:100%;margin-top:0}.preliminary-option-marker{left:14px}.preliminary-option-icon{width:48px;height:48px}}

/* Homepage section rhythm — keeps the major content groups from feeling crowded. */
.home-page .quote-choice-section{margin-bottom:0}
.home-page .quote-wrap{margin:48px auto}
.home-page .insight{margin:48px auto}
.home-page .solutions{margin:48px auto}
.home-page .trustbar{margin:48px auto}
@media(max-width:760px){.home-page .quote-wrap,.home-page .insight,.home-page .solutions,.home-page .trustbar{margin-top:38px;margin-bottom:38px}}
@media(max-width:760px){.home-page .after-submission-section + .insight{margin-top:48px}}
@media(max-width:760px){.estimator-wrap{width:100%;margin:48px auto;padding:0 14px}.estimator-card{width:100%;padding:26px 8px 8px}.estimator-option-marker{left:14px}.estimator-option-icon{width:48px;height:48px;font-size:17px}.estimator-card #container-id{overflow:visible}}

/* Interactive homepage quote gateway */
.quote-intro-heading{max-width:1120px;margin:48px auto;padding:0 20px;color:var(--ink);font-family:Georgia,'Times New Roman',serif;font-size:30px;font-weight:700;line-height:1.15;text-align:center}
.free-gold{color:#b7790c}
.quote-choice-section{max-width:1120px;margin:0 auto 22px}
.quote-gateway{display:grid;grid-template-columns:1fr 1fr;overflow:hidden;border:1px solid #d5d5d5;border-radius:12px;background:#fff;box-shadow:0 7px 22px rgba(0,0,0,.07)}
.quote-gateway__choice{position:relative;display:flex;min-height:262px;flex-direction:column;align-items:center;padding:30px 36px 28px;border:0;background:#fff;color:var(--ink);font:inherit;text-align:center;cursor:pointer;transition:background .2s ease,box-shadow .2s ease,transform .2s ease}
.quote-gateway__choice+ .quote-gateway__choice{border-left:1px solid #d9b66d}
.quote-gateway__choice:hover,.quote-gateway__choice:focus-visible{z-index:1;background:#fffbf2;outline:2px solid #c58a24;outline-offset:-2px}
.quote-gateway__choice.is-selected{background:linear-gradient(135deg,#fffaf0,#fff);box-shadow:inset 0 -5px 0 #c58a24}
.quote-gateway__choice.is-selected:before{content:"✓";position:absolute;top:17px;left:18px;width:30px;height:30px;display:grid;place-items:center;border-radius:50%;background:#c58a24;color:#fff;font-weight:900}
.quote-gateway__icon{width:64px;height:64px;display:grid;place-items:center;margin:4px 0 12px;border:1px solid #e5c98e;border-radius:50%;background:#fffaf0;color:#a86e0b;font-family:Georgia,'Times New Roman',serif;font-size:31px}
.quote-gateway__eyebrow{color:#a86e0b;font-size:12px;font-weight:850;letter-spacing:.1em}
.quote-gateway__choice strong{margin:7px 0 9px;font-family:Georgia,'Times New Roman',serif;font-size:25px;line-height:1.15}
.quote-gateway__description{max-width:460px;color:#424b55;font-size:14px;line-height:1.55;text-align:center}
.quote-gateway__phone{white-space:nowrap;font-weight:850;color:#805207}
.quote-gateway__action{width:100%;margin-top:auto;padding:12px 15px;border:1px solid #c58a24;border-radius:5px;background:#fff;color:#9a6408;font-size:13px;font-weight:850;letter-spacing:.025em;text-align:center}
.quote-gateway__choice:first-child .quote-gateway__action,.quote-gateway__choice.is-selected .quote-gateway__action{background:linear-gradient(90deg,#d9a335,#b9790c);color:#fff}
.quote-gateway__note{margin:13px 0 0;color:#555d66;font-size:12px;text-align:center}
.quote-experience[hidden]{display:none!important}
.quote-experience.is-open{animation:quoteExperienceOpen .28s ease-out}
@keyframes quoteExperienceOpen{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:translateY(0)}}
.quote-experience__bar{display:flex;align-items:center;justify-content:space-between;gap:18px;margin:0 0 14px;padding:0 2px;color:#9a6408;font-size:11px;font-weight:850;letter-spacing:.08em}
.quote-experience__bar button{border:0;border-bottom:1px solid #c58a24;background:transparent;color:#8a5905;font-size:12px;font-weight:750;cursor:pointer;padding:5px 0}
.quote-experience__bar button:hover,.quote-experience__bar button:focus-visible{color:#111;outline:none;border-color:#111}
.homepage-preliminary-card,.estimator-card{scroll-margin-top:110px}
@media(max-width:760px){.quote-intro-heading{margin:38px auto;font-size:26px}.quote-gateway{grid-template-columns:1fr}.quote-gateway__choice{min-height:0;padding:25px 22px}.quote-gateway__choice+ .quote-gateway__choice{border-left:0;border-top:1px solid #d9b66d}.quote-gateway__choice strong{font-size:22px}.quote-gateway__action{margin-top:18px}.quote-experience__bar{align-items:flex-start;flex-direction:column;gap:4px;padding:0 4px}.quote-experience__bar button{font-size:11px}}

/* Clean inline reader for In the Moment of Loss */
.ebook-reader--pdf{max-width:1080px;margin:64px auto 54px;padding:0 22px;text-align:center}
.ebook-reader-heading{max-width:760px;margin:0 auto 24px}
.ebook-reader-heading>span{display:block;margin-bottom:8px;color:#a86e0b;font-size:11px;font-weight:850;letter-spacing:.14em}
.ebook-reader-heading h2{margin:0 0 10px;font-family:Georgia,'Times New Roman',serif;font-size:32px;line-height:1.2;color:#171717}
.ebook-reader-heading p{margin:0;color:#555d66;font-size:15px;line-height:1.6}
.ebook-pdf-frame{overflow:hidden;border:1px solid #d9bf89;border-radius:14px;background:#292929;box-shadow:0 14px 36px rgba(38,28,8,.16)}
.ebook-pdf-frame iframe{display:block;width:100%;height:820px;border:0;background:#f2f2f2}
.ebook-pdf-fallback{display:flex;align-items:center;justify-content:center;gap:12px;padding:12px 18px;background:#fffaf0;color:#333;font-size:13px}
.ebook-pdf-fallback a{color:#805207;font-weight:800}
.ebook-reader-actions{display:flex;justify-content:center;gap:12px;margin-top:20px;flex-wrap:wrap}
.ebook-reader-actions a{min-width:210px;padding:13px 20px;border:1px solid #b7790c;border-radius:6px;font-weight:800;text-decoration:none}
.ebook-reader-actions .primary{background:linear-gradient(90deg,#d3a035,#b7790c);color:#fff}
.ebook-reader-actions .outline{background:#fff;color:#805207}
@media(max-width:760px){.ebook-reader--pdf{margin:44px auto 40px;padding:0 12px}.ebook-reader-heading h2{font-size:26px}.ebook-pdf-frame iframe{height:68vh;min-height:520px}.ebook-pdf-fallback{align-items:flex-start;flex-direction:column;gap:4px;text-align:left}.ebook-reader-actions{display:grid;grid-template-columns:1fr}.ebook-reader-actions a{min-width:0}}

/* INS-QTE+ website assistant */
.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}
.insqte-assistant{position:fixed;right:70px;bottom:46px;z-index:80;font-family:Arial,Helvetica,sans-serif;color:#171717}
.insqte-assistant__launcher{position:relative;width:118px;height:76px;border-radius:19px;border:1px solid #c8ccd1;background:linear-gradient(145deg,#f0f1f3,#d9dde1);color:#222;display:grid;place-items:center;box-shadow:0 7px 20px rgba(0,0,0,.15);cursor:pointer}
.insqte-assistant__launcher:before{content:"Questions?";position:relative;z-index:3;padding-top:5px;color:#25282c;font-family:Georgia,'Times New Roman',serif;font-size:17px;font-weight:700;letter-spacing:.01em}
.insqte-assistant__launcher:after{content:"";display:block;position:absolute;z-index:-1;left:18px;bottom:-13px;width:27px;height:22px;background:#d9dde1;clip-path:polygon(0 0,100% 0,18% 100%)}
.insqte-assistant__launcher>span{position:absolute;z-index:4;inset:0;border:0;background:transparent;font-size:0;pointer-events:none}
.insqte-assistant__launcher>span:before{content:"";position:absolute;z-index:2;top:-13px;right:31px;width:35px;height:25px;border:0;border-radius:9px;background:radial-gradient(circle at 9px 11px,#fff 0 2px,transparent 3px),radial-gradient(circle at 18px 11px,#fff 0 2px,transparent 3px),radial-gradient(circle at 27px 11px,#fff 0 2px,transparent 3px),#8bc5ef;box-shadow:0 3px 7px rgba(54,123,178,.2)}
.insqte-assistant__launcher>span:after{content:"";position:absolute;z-index:1;top:-4px;right:-10px;width:46px;height:31px;border:0;border-radius:10px;background:radial-gradient(circle at 12px 13px,#fff 0 2.5px,transparent 3.5px),radial-gradient(circle at 23px 13px,#fff 0 2.5px,transparent 3.5px),radial-gradient(circle at 34px 13px,#fff 0 2.5px,transparent 3.5px),#72b7ea;box-shadow:0 3px 8px rgba(54,123,178,.22)}
.insqte-assistant__launcher:hover,.insqte-assistant__launcher:focus-visible{transform:translateY(-2px);outline:3px solid rgba(23,23,23,.22);outline-offset:3px}
.insqte-assistant__panel{display:none;position:absolute;right:0;bottom:98px;width:min(370px,calc(100vw - 28px));overflow:hidden;border:1px solid #c9c9c9;border-radius:14px;background:#fff;box-shadow:0 18px 54px rgba(0,0,0,.24)}
.insqte-assistant__panel.is-open{display:block}
.insqte-assistant__header{display:flex;align-items:center;gap:11px;padding:15px 16px;border-bottom:2px solid #c58a24;background:#fff}
.insqte-assistant__mark{width:42px;height:42px;border-radius:50%;display:grid;place-items:center;background:#171717;color:#d9a13d;font-size:18px}
.insqte-assistant__header div{display:flex;flex-direction:column;line-height:1.1}.insqte-assistant__header strong{font-family:Georgia,'Times New Roman',serif;font-size:20px}.insqte-assistant__header small{margin-top:4px;color:#9a6913;font-size:10px;font-weight:800;letter-spacing:.13em}
.insqte-assistant__header>button{margin-left:auto;border:0;background:transparent;font-size:25px;color:#555;cursor:pointer}
.insqte-assistant__body{max-height:410px;overflow:auto;padding:16px;background:#fafafa}
.insqte-assistant__message{padding:14px 15px;border:1px solid #dedede;border-radius:10px;background:#fff}.insqte-assistant__message strong{font-family:Georgia,'Times New Roman',serif;font-size:19px}.insqte-assistant__message p{margin:5px 0 0;font-size:14px;color:#4a4f54}
.insqte-assistant__choices{display:grid;gap:8px;margin-top:12px}.insqte-assistant__choices button{padding:11px 12px;border:1px solid #c58a24;border-radius:7px;background:#fff;color:#242424;font-weight:750;text-align:left;cursor:pointer}.insqte-assistant__choices button:hover,.insqte-assistant__choices button:focus-visible{background:#fff8eb;outline:none}
.insqte-assistant__answer{margin-top:0;padding:13px 16px 24px;border-left:3px solid #c58a24;border-radius:4px;background:#fff;font-size:13px;line-height:1.55;height:390px;max-height:390px;overflow-y:scroll!important;overscroll-behavior:contain;-webkit-overflow-scrolling:touch;scrollbar-width:auto;scrollbar-color:#b67a10 #ededed}.insqte-assistant__answer::-webkit-scrollbar{width:12px}.insqte-assistant__answer::-webkit-scrollbar-track{background:#ededed;border-radius:8px}.insqte-assistant__answer::-webkit-scrollbar-thumb{background:#b67a10;border:3px solid #ededed;border-radius:8px}.assistant-scroll-notice{position:sticky;top:-13px;z-index:2;margin:-13px -16px 12px;padding:8px 12px;background:#f4e7cc;border-bottom:1px solid #d9b66d;color:#704a08;font-size:11px;font-weight:850;text-align:center}.insqte-assistant__answer h3{margin:0 0 9px;font-family:Georgia,serif;font-size:18px}.insqte-assistant__answer h4{margin:14px 0 4px;color:#8a5c10;font-size:14px}.insqte-assistant__answer p{margin:0 0 9px}.insqte-assistant__answer p:last-child{margin-bottom:0}.insqte-assistant__answer a{color:#7b520d;font-weight:800}
.insqte-assistant__form{display:flex;gap:8px;padding:12px;border-top:1px solid #e1e1e1;background:#fff}.insqte-assistant__form input{min-width:0;flex:1;height:44px;border:1px solid #c9c9c9;border-radius:999px;padding:0 15px;font-size:14px}.insqte-assistant__form input:focus{outline:2px solid rgba(197,138,36,.4);border-color:#c58a24}.insqte-assistant__form button{width:44px;height:44px;border:0;border-radius:50%;background:#b47a10;color:#fff;font-size:21px;cursor:pointer}
.insqte-assistant__footer{display:flex;flex-direction:column;gap:3px;padding:0 15px 13px;background:#fff}.insqte-assistant__footer a{color:#1d1d1d;font-size:12px;font-weight:800;text-decoration:none}.insqte-assistant__footer small{color:#6a6a6a;font-size:10px}
@media(max-width:600px){.insqte-assistant{right:28px;bottom:38px}.insqte-assistant__launcher{width:108px;height:68px;border-radius:17px}.insqte-assistant__launcher:before{font-size:16px}.insqte-assistant__panel{position:fixed;right:10px;bottom:122px;left:10px;width:auto;max-height:calc(100vh - 140px)}.insqte-assistant__body{max-height:none;overflow:hidden;padding:12px}.insqte-assistant__answer{height:38vh;max-height:38vh}}


/* In the Moment of Loss — homepage feature and dedicated resource page */
.ebook-feature{max-width:1180px;margin:48px auto;padding:34px 42px;display:grid;grid-template-columns:300px minmax(0,1fr);gap:52px;align-items:center;border:1px solid #d8b46f;border-radius:10px;background:linear-gradient(135deg,#fff 0%,#fbfaf7 100%);box-shadow:0 8px 28px rgba(0,0,0,.055)}
.ebook-feature__art{text-align:center}.ebook-feature__art img{display:block;width:100%;max-width:270px;height:auto;margin:0 auto;filter:drop-shadow(0 16px 12px rgba(0,0,0,.16))}
.ebook-feature__eyebrow{margin-bottom:8px;color:#a76f0e;font-size:12px;font-weight:850;letter-spacing:.12em}
.ebook-feature__copy h2{margin:0 0 14px;font-family:Georgia,'Times New Roman',serif;font-size:35px;line-height:1.08;font-weight:500;color:#171717}.ebook-feature__copy h2 span{color:#a76f0e}
.ebook-feature__copy>p{max-width:760px;margin:0 0 18px;color:#42474d;font-size:15.5px;line-height:1.65}
.ebook-feature__points{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:9px 22px;margin:18px 0 22px}.ebook-feature__points span{position:relative;padding-left:20px;color:#282d32;font-size:13.5px;font-weight:700}.ebook-feature__points span:before{content:'✓';position:absolute;left:0;top:0;color:#b67a10;font-weight:900}
.ebook-feature__actions{display:flex;align-items:center;gap:18px;flex-wrap:wrap;margin:0 0 12px}.ebook-feature__primary,.ebook-feature__secondary{text-decoration:none;font-weight:800}.ebook-feature__primary{padding:12px 19px;border-radius:5px;background:#b67a10;color:#fff;box-shadow:0 4px 10px rgba(182,122,16,.18)}.ebook-feature__primary:hover{background:#9f690c}.ebook-feature__secondary{color:#7b520d}.ebook-feature__secondary:hover{text-decoration:underline}.ebook-feature__copy small{color:#70757a}
.ebook-page{background:#fff}.ebook-page-main{max-width:1180px;margin:0 auto;padding:58px 24px 70px}.ebook-page-hero{display:grid;grid-template-columns:390px minmax(0,1fr);gap:58px;align-items:center;padding:30px 0 46px}.ebook-page-cover{text-align:center}.ebook-page-cover img{width:100%;max-width:280px;height:auto;filter:drop-shadow(0 18px 15px rgba(0,0,0,.18))}.ebook-page-eyebrow{color:#a76f0e;font-weight:850;letter-spacing:.13em;font-size:12px}.ebook-page-hero h1{font-family:Georgia,'Times New Roman',serif;font-size:55px;line-height:1.02;font-weight:500;margin:10px 0 12px;color:#171717}.ebook-page-subtitle{font-family:Georgia,'Times New Roman',serif;font-size:22px;line-height:1.35;color:#3f4449;margin:0 0 17px}.ebook-page-intro{font-size:16px;line-height:1.7;color:#4a4f54;max-width:690px}.ebook-page-author{font-weight:800;color:#242424}.ebook-page-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:22px}.ebook-page-actions a{padding:13px 20px;border-radius:5px;text-decoration:none;font-weight:850}.ebook-page-actions .primary{background:#b67a10;color:#fff}.ebook-page-actions .outline{border:1px solid #b67a10;color:#8a5d0a;background:#fff}.ebook-page-note{margin-top:12px;color:#6b7075;font-size:12px}.ebook-info-grid{display:grid;gap:18px;margin-top:16px}.ebook-info-card{display:grid;grid-template-columns:220px minmax(0,1fr);gap:28px;align-items:start;padding:28px 30px;border:1px solid #e0ddd6;border-radius:10px;background:#fcfbf8}.ebook-info-card h2{margin:0;font-family:Georgia,'Times New Roman',serif;font-size:25px;font-weight:500}.ebook-info-card ul{margin:0;padding-left:20px;color:#41464b;line-height:1.7}.ebook-info-card p{margin:0;color:#41464b;line-height:1.7}.ebook-chapters{columns:2;column-gap:44px}.ebook-chapters li{break-inside:avoid;margin-bottom:6px}.ebook-reader{max-width:820px;margin:40px auto 0;padding-top:32px;border-top:1px solid #e0ddd6}.ebook-reader h2{font-family:Georgia,'Times New Roman',serif;font-size:31px;font-weight:500;margin:0 0 8px}.ebook-reader p{color:#565b60}.ebook-reader iframe{display:block;width:100%;height:680px;margin:18px auto 0;border:1px solid #d9d9d9;border-radius:8px;background:#f6f6f6}.ebook-bottom-cta{margin-top:34px;padding:27px 30px;display:flex;align-items:center;justify-content:space-between;gap:24px;border-radius:9px;background:#171717;color:#fff}.ebook-bottom-cta strong{font-family:Georgia,'Times New Roman',serif;font-size:24px;font-weight:500}.ebook-bottom-cta strong span{color:#d4a64f}.ebook-bottom-cta a{flex:0 0 auto;padding:12px 18px;border-radius:5px;background:#b67a10;color:#fff;text-decoration:none;font-weight:850}
@media(max-width:820px){.ebook-feature{margin:38px 16px;padding:28px 22px;grid-template-columns:1fr;gap:24px}.ebook-feature__art img{max-width:230px}.ebook-feature__copy{text-align:center}.ebook-feature__copy h2{font-size:29px}.ebook-feature__points{text-align:left}.ebook-feature__actions{justify-content:center}.ebook-page-main{padding-top:30px}.ebook-page-hero{grid-template-columns:1fr;gap:24px;text-align:center}.ebook-page-cover img{max-width:220px}.ebook-page-hero h1{font-size:42px}.ebook-page-intro{margin-left:auto;margin-right:auto}.ebook-page-actions{justify-content:center}.ebook-info-card{grid-template-columns:1fr;gap:12px}.ebook-chapters{columns:1}.ebook-reader iframe{height:560px}.ebook-bottom-cta{flex-direction:column;text-align:center}}
@media(max-width:520px){.ebook-feature__points{grid-template-columns:1fr}.ebook-page-hero h1{font-size:36px}.ebook-reader iframe{height:460px}}

/* 2026-08-12: Keep the approved 3D book compact and fully visible. */
.ebook-feature{grid-template-columns:190px minmax(0,1fr)}
.ebook-feature__art img{width:150px!important;max-width:150px!important;height:auto!important;object-fit:contain}
.ebook-page-hero{grid-template-columns:230px minmax(0,1fr)}
.ebook-page-cover img{width:175px!important;max-width:175px!important;height:auto!important;object-fit:contain}
@media(max-width:820px){
  .ebook-feature,.ebook-page-hero{grid-template-columns:1fr}
  .ebook-feature__art img{width:135px!important;max-width:135px!important}
  .ebook-page-cover img{width:150px!important;max-width:150px!important}
}

/* Same secure Zoho application placed on the preliminary-quote guidance page. */
.guide-quote-wrap{width:min(1120px,calc(100vw - 48px));max-width:none;margin:48px 0 48px 50%;padding:0;transform:translateX(-50%)}
.guide-quote-wrap .quote-card{background:#f1f1f1}

.home-date-strip{max-width:1180px;margin:48px auto 0;padding:0 24px;text-align:center;font-family:Georgia,'Times New Roman',serif;color:#171717}
.home-date-strip__today{display:block;color:#b67a10;font-size:17px;line-height:1;letter-spacing:.16em}
.home-date-strip__date{margin-top:0;font-size:21px;line-height:1.2}
.home-date-strip__date strong{color:#b67a10;font-weight:700}

/* The linked book-information page must show the compact 3D mockup. */
.ebook-page-cover img{width:155px!important;max-width:155px!important}
@media(max-width:900px){
  .home-date-strip{margin-top:28px;padding:0 18px}.home-date-strip__date{margin-top:0;font-size:17px}
}
.education-section p,.education-section li{font-size:16px;line-height:1.7;color:#3f4650}.education-section h2{font-family:Georgia,'Times New Roman',serif;font-size:30px;line-height:1.2}.education-section h3{color:var(--ink);margin:22px 0 7px}.education-kicker{display:block;color:#956000;font-size:11px;font-weight:800;letter-spacing:.1em;margin-bottom:7px}.education-grid{display:grid;grid-template-columns:1fr 1fr;gap:15px;margin:18px 0}.education-grid>div{background:#f7f7f7;border:1px solid #e1e1e1;border-radius:8px;padding:18px}.education-grid h3{margin-top:0}.education-cta{display:flex;justify-content:space-between;align-items:center;gap:30px;background:#292929;color:#fff;border-top:5px solid var(--gold);border-radius:10px;padding:28px 32px;margin:18px 0}.education-cta h2{color:#fff;font-family:Georgia,serif;margin:3px 0 7px}.education-cta p{margin:0;color:#e7e7e7;max-width:580px;line-height:1.55}.education-cta-actions{display:flex;white-space:nowrap}.dedicated-quote{max-width:960px;margin:0 auto}.quote-intro{display:grid;grid-template-columns:1.2fr .8fr;gap:24px}.quote-form-shell{background:#f2f2f2;border:1px solid #d2d5d8;border-radius:12px;padding:18px;margin:24px 0}.quote-form-shell iframe{display:block;width:100%;height:1220px;border:0;background:#fff;border-radius:8px}.privacy-note{font-size:13px;color:#606872;text-align:center;margin-top:12px}
@media(max-width:700px){.education-grid,.quote-intro{grid-template-columns:1fr}.education-cta{display:block}.education-cta-actions{margin-top:18px;white-space:normal}.quote-form-shell{padding:8px}.quote-form-shell iframe{height:1380px}}
.assistant-action-row{display:flex;flex-wrap:wrap;gap:8px;margin-top:11px}.assistant-action-row a{display:inline-block;background:#c58a24!important;color:#fff!important;border-radius:5px;padding:9px 11px;text-decoration:none!important;font-size:12px}.insqte-assistant__answer[hidden]{display:none!important}

/* 2026-08-18 homepage, direct-connect and dedicated estimator update */
.site-header .header-inner{max-width:1400px}.site-header .nav{gap:clamp(10px,1.2vw,22px)}.site-header .nav a{white-space:nowrap}
.home-page .hero.hero--2026{position:relative;display:flex;align-items:stretch;min-height:430px;margin:0;background-color:#fff;background-image:url('homepage-hero-2026-v2.png');background-position:center calc(50% + 48px);background-size:cover;background-repeat:no-repeat}
.home-page .hero--2026 .hero-copy{position:relative;z-index:2;display:flex;width:50%;max-width:650px;min-height:430px;box-sizing:border-box;flex-direction:column;align-items:center;justify-content:center;padding:42px 28px 45px;text-align:center;background:linear-gradient(90deg,rgba(255,255,255,.98) 0%,rgba(255,255,255,.92) 70%,rgba(255,255,255,0) 100%)}
.home-page .hero--2026 h1{margin:0;font-family:Georgia,'Times New Roman',serif;font-size:clamp(38px,4.1vw,62px);font-weight:500;line-height:1.06;color:#171717;text-transform:none}
.hero-gold-line{width:260px;height:1px;margin:23px 0 18px;background:linear-gradient(90deg,transparent,#b77a12 22%,#b77a12 78%,transparent)}
.home-page .hero--2026 .hero-platform{margin:0;color:#b77a12;font:italic 32px/1.1 Georgia,'Times New Roman',serif}.home-page .hero--2026 .hero-questions{margin:15px 0 25px;color:#171717;font:25px/1.2 Georgia,'Times New Roman',serif}
.hero-primary{display:inline-block;padding:15px 25px;border:1px solid #c18a2b;border-radius:4px;background:#080808;color:#fff;text-decoration:none;font-size:13px;font-weight:850;letter-spacing:.025em}.hero-primary:hover,.hero-primary:focus-visible{background:#272727;outline:3px solid rgba(183,122,18,.3);outline-offset:3px}
.home-page .hero--2026 .hero-mobile-image{display:none}
.home-page .carrier-marquee{height:52px;margin:48px auto 0}
.home-connect{max-width:1180px;margin:48px auto 46px;padding:0 24px}.home-connect>h2,.home-page-links>h2{margin:0 0 24px;text-align:center;color:#171717;font:500 38px/1.15 Georgia,'Times New Roman',serif}.home-connect__grid{display:grid;grid-template-columns:1fr 1fr;gap:28px}.home-connect__card{display:grid;grid-template-columns:132px minmax(0,1fr);align-items:center;gap:28px;min-height:195px;padding:25px 30px;border:1px solid #dedede;border-radius:12px;background:#fff;box-shadow:0 7px 22px rgba(0,0,0,.07)}.home-connect__card img{width:124px;height:124px;border-radius:0;object-fit:contain;object-position:center bottom;filter:drop-shadow(0 5px 7px rgba(0,0,0,.14))}.home-connect__card h3{margin:0 0 7px;font-size:17px}.home-connect__card p{margin:0 0 5px;color:#50555b}.home-connect__number{display:block;margin:4px 0 9px;color:#ae7210;text-decoration:none;font:31px/1.1 Georgia,'Times New Roman',serif}.home-connect__button{display:block;max-width:300px;padding:11px 14px;border:1px solid #b77a12;border-radius:4px;color:#8b5a05;text-align:center;text-decoration:none;font-weight:800}.home-connect__button--dark{background:#080808;color:#fff}.home-connect__card small{display:block;margin-top:9px;color:#666}.home-connect__ai{width:122px;height:122px;display:grid;place-items:center;border:2px solid #b77a12;border-radius:50%;color:#b77a12;font:700 37px/1 Georgia,serif}
.home-page-links{max-width:1180px;margin:0 auto 42px;padding:0 24px}.home-page-links>h2 span{color:#b7790c}.home-page-links__grid{display:grid;grid-template-columns:1fr 1fr;gap:28px}.home-page-links__grid>a{display:grid;grid-template-columns:60px 1fr 20px;align-items:center;gap:20px;min-height:115px;padding:20px 26px;border:1px solid #dedede;border-radius:11px;background:#fff;color:#171717;text-decoration:none;box-shadow:0 6px 20px rgba(0,0,0,.055)}.home-page-links__grid>a:hover,.home-page-links__grid>a:focus-visible{border-color:#b77a12;outline:2px solid rgba(183,122,18,.25)}.home-page-links__icon{width:52px;height:52px;display:grid;place-items:center;border:1px solid #b77a12;color:#a96e0b;font-size:27px}.home-page-links strong{display:block;margin-bottom:6px;font-size:17px}.home-page-links strong i{padding:0 6px;color:#b7790c;font-style:normal;font-weight:400}.home-page-links small{display:block;color:#50555b;font-size:14px;line-height:1.45}.home-page-links b{color:#b77a12;font-size:34px}
.home-page .insurance-simplified{margin-top:42px}

.estimator-page{background:#fbfbfa}.estimator-page__main{max-width:1180px;margin:0 auto;padding:42px 24px 70px}.estimator-page__brand{text-align:center;margin-bottom:24px;color:#171717}.estimator-page__brand span{display:block;font:500 58px/1 Georgia,'Times New Roman',serif}.estimator-page__brand small{display:block;margin-top:7px;letter-spacing:.22em;font:24px/1 Georgia,'Times New Roman',serif}.estimator-page__summary{display:grid;grid-template-columns:100px 1fr;align-items:center;gap:28px;padding:34px 40px;border:1px solid #e2ded6;border-radius:13px;background:#fff;box-shadow:0 7px 20px rgba(0,0,0,.06)}.estimator-page__shield{width:84px;height:84px;display:grid;place-items:center;border:3px solid #b77a12;border-radius:24px 24px 36px 36px;color:#b77a12;font-size:38px}.estimator-page__summary h1{margin:0 0 9px;font:500 38px/1.12 Georgia,'Times New Roman',serif}.estimator-page__summary p{margin:0 0 10px;color:#454b51;font-size:16px;line-height:1.6}.estimator-page__summary strong{color:#a66b07}.estimator-page__contacts{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin:22px 0}.estimator-page__contacts article{display:grid;grid-template-columns:84px 1fr;align-items:center;gap:18px;padding:20px 24px;border:1px solid #dedede;border-radius:11px;background:#fff}.estimator-page__contacts img{width:76px;height:76px;border-radius:50%;object-fit:cover}.estimator-page__contacts h2{margin:0 0 3px;font-size:18px}.estimator-page__contacts p{margin:0 0 4px;color:#555}.estimator-page__contacts a{color:#a66b07;text-decoration:none;font:27px/1.1 Georgia,serif}.estimator-page__ai{width:72px;height:72px;display:grid;place-items:center;border:2px solid #b77a12;border-radius:50%;color:#b77a12;font-weight:900}.estimator-page__widget{margin-top:28px;padding:30px clamp(16px,3vw,40px);border:1px solid #ddd;border-radius:13px;background:#fff;box-shadow:0 9px 27px rgba(0,0,0,.06)}.estimator-page__widget>h2{text-align:center;margin:0 0 6px;font:500 36px/1.2 Georgia,serif}.estimator-page__widget>p{text-align:center;color:#565c61}.estimator-page__widget #container-id{width:100%;min-height:620px}.estimator-page__steps{margin:42px 0 0;text-align:center}.estimator-page__steps>h2{font:500 38px/1.2 Georgia,serif}.estimator-page__steps>div{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.estimator-page__steps article{padding:25px;border:1px solid #ddd;border-radius:10px;background:#fff}.estimator-page__steps article>b{width:38px;height:38px;display:grid;place-items:center;margin:0 auto 13px;border-radius:50%;background:#b77a12;color:#fff}.estimator-page__steps h3{margin:0 0 7px}.estimator-page__steps p{margin:0;color:#555;line-height:1.5}.estimator-page__steps>small{display:block;margin-top:19px;color:#686d72}
@media(max-width:900px){.site-header .nav{overflow-x:auto;justify-content:flex-start;padding-bottom:4px}.home-page .hero.hero--2026{display:block;min-height:0;background:none}.home-page .hero--2026 .hero-copy{width:100%;max-width:none;min-height:360px;background:#fff}.home-page .hero--2026 .hero-mobile-image{display:block;height:300px;background:url('homepage-hero-2026-v2.png') 70% center/cover no-repeat}.home-connect__grid,.home-page-links__grid,.estimator-page__contacts{grid-template-columns:1fr}.home-connect__card{grid-template-columns:108px 1fr}.home-connect__card img,.home-connect__ai{width:100px;height:100px}.estimator-page__steps>div{grid-template-columns:1fr}}
@media(max-width:600px){.home-page .carrier-marquee{margin-top:48px}.home-page .hero--2026 h1{font-size:39px}.home-page .hero--2026 .hero-platform{font-size:27px}.home-page .hero--2026 .hero-questions{font-size:21px}.home-connect,.home-page-links{padding:0 14px}.home-connect>h2,.home-page-links>h2{font-size:30px}.home-connect__card{grid-template-columns:1fr;text-align:center;padding:25px 20px}.home-connect__card img,.home-connect__ai{margin:0 auto}.home-connect__button{margin-left:auto;margin-right:auto}.home-page-links__grid>a{grid-template-columns:48px 1fr 14px;padding:18px 16px;gap:13px}.estimator-page__main{padding:28px 12px 55px}.estimator-page__brand span{font-size:44px}.estimator-page__summary{grid-template-columns:1fr;padding:26px 20px;text-align:center}.estimator-page__shield{margin:auto}.estimator-page__summary h1{font-size:31px}.estimator-page__contacts article{grid-template-columns:64px 1fr;padding:18px 14px}.estimator-page__contacts img,.estimator-page__ai{width:60px;height:60px}.estimator-page__contacts a{font-size:22px}.estimator-page__widget{padding:25px 10px}.estimator-page__widget #container-id{min-height:720px}}

.home-page .hero--2026 .hero-date-panel{left:calc(34% + 192px);bottom:174px;width:158px;min-height:166px;padding:0;border-radius:0;background:transparent;box-shadow:none;backdrop-filter:none;-webkit-backdrop-filter:none}
.home-page .hero--2026 .hero-date-today{font-size:13px}.home-page .hero--2026 .hero-date-weekday,.home-page .hero--2026 .hero-date-month{font-size:17px}.home-page .hero--2026 .hero-date-number{font-size:62px}.home-page .hero--2026 .hero-date-year{font-size:15px}
@media(max-width:900px){.home-page .hero--2026 .hero-date-panel{left:18px;bottom:18px;transform:none;width:138px;min-height:160px}}

/* About page: reuse the approved homepage portrait without altering the card layout. */
.kb-page .kb-photo-back{background:#fff url('kevin-direct-transparent-v2.png') center bottom/contain no-repeat}
.kb-page .kb-photo{opacity:0}

/* Mobile cache-refresh safeguards: preserve the approved desktop layout. */
@media(max-width:700px){
  .home-page .hero--2026 .hero-mobile-image{display:block!important;width:100%!important;height:300px!important;background-image:url('homepage-hero-2026-v2.png')!important;background-position:70% center!important;background-size:cover!important;background-repeat:no-repeat!important}
  .home-connect{width:100%;overflow:hidden}
  .home-connect>h2{padding:0 8px;font-size:28px!important;line-height:1.15!important}
  .home-connect__card{grid-template-columns:96px minmax(0,1fr)!important;gap:16px!important;min-width:0;overflow:hidden;padding:20px 16px!important;text-align:left!important}
  .home-connect__card img{display:block!important;width:96px!important;height:96px!important;min-width:96px!important;max-width:96px!important;max-height:96px!important;margin:0!important;object-fit:contain!important;object-position:center bottom!important}
  .home-connect__card>div{min-width:0}
  .home-connect__number{font-size:25px!important;overflow-wrap:anywhere}
  .home-connect__button{width:100%;max-width:260px}
  .home-connect__ai{width:92px!important;height:92px!important;margin:0!important;font-size:30px!important}
}
@media(max-width:420px){
  .home-page .hero--2026 .hero-mobile-image{height:270px!important}
  .home-connect__card{grid-template-columns:82px minmax(0,1fr)!important;gap:13px!important}
  .home-connect__card img{width:82px!important;height:82px!important;min-width:82px!important;max-width:82px!important;max-height:82px!important}
  .home-connect__ai{width:80px!important;height:80px!important}
  .home-connect__card h3{font-size:15px!important}
  .home-connect__number{font-size:22px!important}
}