/*! tailwindcss v4.2.1 | MIT License | https://tailwindcss.com */
@layer properties{@supports (((-webkit-hyphens:none)) and (not (margin-trim:inline))) or ((-moz-orient:inline) and (not (color:rgb(from red r g b)))){*,:before,:after,::backdrop{--tw-border-style:solid;--tw-shadow:0 0 #0000;--tw-shadow-color:initial;--tw-shadow-alpha:100%;--tw-inset-shadow:0 0 #0000;--tw-inset-shadow-color:initial;--tw-inset-shadow-alpha:100%;--tw-ring-color:initial;--tw-ring-shadow:0 0 #0000;--tw-inset-ring-color:initial;--tw-inset-ring-shadow:0 0 #0000;--tw-ring-inset:initial;--tw-ring-offset-width:0px;--tw-ring-offset-color:#fff;--tw-ring-offset-shadow:0 0 #0000;--tw-outline-style:solid;--tw-blur:initial;--tw-brightness:initial;--tw-contrast:initial;--tw-grayscale:initial;--tw-hue-rotate:initial;--tw-invert:initial;--tw-opacity:initial;--tw-saturate:initial;--tw-sepia:initial;--tw-drop-shadow:initial;--tw-drop-shadow-color:initial;--tw-drop-shadow-alpha:100%;--tw-drop-shadow-size:initial}}}@layer theme{:root,:host{--font-sans:ui-sans-serif, system-ui, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji";--font-mono:ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", "Courier New", monospace;--spacing:.25rem;--default-transition-duration:.15s;--default-transition-timing-function:cubic-bezier(.4, 0, .2, 1);--default-font-family:var(--font-sans);--default-mono-font-family:var(--font-mono)}}@layer base{*,:after,:before,::backdrop{box-sizing:border-box;border:0 solid;margin:0;padding:0}::file-selector-button{box-sizing:border-box;border:0 solid;margin:0;padding:0}html,:host{-webkit-text-size-adjust:100%;tab-size:4;line-height:1.5;font-family:var(--default-font-family,ui-sans-serif, system-ui, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji");font-feature-settings:var(--default-font-feature-settings,normal);font-variation-settings:var(--default-font-variation-settings,normal);-webkit-tap-highlight-color:transparent}hr{height:0;color:inherit;border-top-width:1px}abbr:where([title]){-webkit-text-decoration:underline dotted;text-decoration:underline dotted}h1,h2,h3,h4,h5,h6{font-size:inherit;font-weight:inherit}a{color:inherit;-webkit-text-decoration:inherit;-webkit-text-decoration:inherit;-webkit-text-decoration:inherit;-webkit-text-decoration:inherit;text-decoration:inherit}b,strong{font-weight:bolder}code,kbd,samp,pre{font-family:var(--default-mono-font-family,ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", "Courier New", monospace);font-feature-settings:var(--default-mono-font-feature-settings,normal);font-variation-settings:var(--default-mono-font-variation-settings,normal);font-size:1em}small{font-size:80%}sub,sup{vertical-align:baseline;font-size:75%;line-height:0;position:relative}sub{bottom:-.25em}sup{top:-.5em}table{text-indent:0;border-color:inherit;border-collapse:collapse}:-moz-focusring{outline:auto}progress{vertical-align:baseline}summary{display:list-item}ol,ul,menu{list-style:none}img,svg,video,canvas,audio,iframe,embed,object{vertical-align:middle;display:block}img,video{max-width:100%;height:auto}button,input,select,optgroup,textarea{font:inherit;font-feature-settings:inherit;font-variation-settings:inherit;letter-spacing:inherit;color:inherit;opacity:1;background-color:#0000;border-radius:0}::file-selector-button{font:inherit;font-feature-settings:inherit;font-variation-settings:inherit;letter-spacing:inherit;color:inherit;opacity:1;background-color:#0000;border-radius:0}:where(select:is([multiple],[size])) optgroup{font-weight:bolder}:where(select:is([multiple],[size])) optgroup option{padding-inline-start:20px}::file-selector-button{margin-inline-end:4px}::placeholder{opacity:1}@supports (not ((-webkit-appearance:-apple-pay-button))) or (contain-intrinsic-size:1px){::placeholder{color:currentColor}@supports (color:color-mix(in lab, red, red)){::placeholder{color:color-mix(in oklab, currentcolor 50%, transparent)}}}textarea{resize:vertical}::-webkit-search-decoration{-webkit-appearance:none}::-webkit-date-and-time-value{min-height:1lh;text-align:inherit}::-webkit-datetime-edit{display:inline-flex}::-webkit-datetime-edit-fields-wrapper{padding:0}::-webkit-datetime-edit{padding-block:0}::-webkit-datetime-edit-year-field{padding-block:0}::-webkit-datetime-edit-month-field{padding-block:0}::-webkit-datetime-edit-day-field{padding-block:0}::-webkit-datetime-edit-hour-field{padding-block:0}::-webkit-datetime-edit-minute-field{padding-block:0}::-webkit-datetime-edit-second-field{padding-block:0}::-webkit-datetime-edit-millisecond-field{padding-block:0}::-webkit-datetime-edit-meridiem-field{padding-block:0}::-webkit-calendar-picker-indicator{line-height:1}:-moz-ui-invalid{box-shadow:none}button,input:where([type=button],[type=reset],[type=submit]){appearance:button}::file-selector-button{appearance:button}::-webkit-inner-spin-button{height:auto}::-webkit-outer-spin-button{height:auto}[hidden]:where(:not([hidden=until-found])){display:none!important}}@layer components;@layer utilities{.collapse{visibility:collapse}.visible{visibility:visible}.absolute{position:absolute}.fixed{position:fixed}.relative{position:relative}.static{position:static}.sticky{position:sticky}.start{inset-inline-start:var(--spacing)}.end{inset-inline-end:var(--spacing)}.block{display:block}.hidden{display:none}.table{display:table}.shrink{flex-shrink:1}.rounded{border-radius:.25rem}.border{border-style:var(--tw-border-style);border-width:1px}.ring{--tw-ring-shadow:var(--tw-ring-inset,) 0 0 0 calc(1px + var(--tw-ring-offset-width)) var(--tw-ring-color,currentcolor);box-shadow:var(--tw-inset-shadow), var(--tw-inset-ring-shadow), var(--tw-ring-offset-shadow), var(--tw-ring-shadow), var(--tw-shadow)}.outline{outline-style:var(--tw-outline-style);outline-width:1px}.filter{filter:var(--tw-blur,) var(--tw-brightness,) var(--tw-contrast,) var(--tw-grayscale,) var(--tw-hue-rotate,) var(--tw-invert,) var(--tw-saturate,) var(--tw-sepia,) var(--tw-drop-shadow,)}.transition{transition-property:color,background-color,border-color,outline-color,text-decoration-color,fill,stroke,--tw-gradient-from,--tw-gradient-via,--tw-gradient-to,opacity,box-shadow,transform,translate,scale,rotate,filter,-webkit-backdrop-filter,backdrop-filter,display,content-visibility,overlay,pointer-events;transition-timing-function:var(--tw-ease,var(--default-transition-timing-function));transition-duration:var(--tw-duration,var(--default-transition-duration))}}:root{--navy:#071d35;--navy-2:#0b2948;--green:#16a66a;--green-action:#0b7e4f;--green-action-hover:#096b44;--green-dark:#0b7e4f;--green-on-dark:#69d9aa;--focus-ring:#071d35;--focus-on-dark:#fff;--control-border:#74847c;--mint:#e7f7ef;--cream:#f6f8f4;--ink:#102437;--muted:#5f6f7e;--line:#dbe3e5;--white:#fff;--font-body:"Helvetica Neue";--font-display:"Avenir Next"}*{box-sizing:border-box}html{scroll-behavior:smooth}body{color:var(--ink);font-family:var(--font-body), Arial, sans-serif;-webkit-font-smoothing:antialiased;background:#fff;margin:0;line-height:1.55}a{color:inherit;text-decoration:none}button,input,select,textarea{font:inherit}button{cursor:pointer}button:disabled{cursor:not-allowed}img{max-width:100%}.section,.resource-links,.content-wrap,.page-cta,.site-footer{content-visibility:auto;contain-intrinsic-size:auto 900px}.shell{width:min(1160px,100% - 40px);margin-inline:auto}.skip-link{z-index:999;background:#fff;border-radius:8px;padding:12px 18px;position:fixed;top:-100px;left:14px;box-shadow:0 8px 30px #0003}.skip-link:focus{top:14px}:focus-visible{outline:3px solid var(--focus-ring);outline-offset:3px}:where(.hero,.inner-hero,.process,.choose-card,.resource-links,.final-cta,.site-footer,.page-cta,.calc-result,.scenario-results,.worksheet-result,.cost-results) :focus-visible{outline-color:var(--focus-on-dark)}.site-header{z-index:20;background:#fff;border-bottom:1px solid #e5eaec;position:relative}.header-inner{justify-content:space-between;align-items:center;gap:28px;height:78px;display:flex}.brand{font-family:var(--font-display);letter-spacing:-1px;color:var(--navy);white-space:nowrap;align-items:center;gap:9px;font-weight:800;display:inline-flex}.brand>span:last-child>span{color:var(--green-action)}.brand-mark{color:#fff;background:var(--green-action);clip-path:polygon(50% 0,94% 16%,88% 74%,50% 100%,12% 74%,6% 16%);place-items:center;width:35px;height:39px;font-size:18px;display:grid}.site-header nav{align-items:center;gap:30px;font-size:14px;font-weight:650;display:flex}.site-header nav a:hover{color:var(--green-dark)}.mobile-nav{display:none;position:relative}.mobile-nav summary{border:1px solid var(--control-border);min-height:42px;color:var(--navy);cursor:pointer;border-radius:8px;place-items:center;padding:0 14px;font-size:12px;font-weight:800;list-style:none;display:grid}.mobile-nav summary::-webkit-details-marker{display:none}.mobile-nav nav{border:1px solid var(--line);background:#fff;border-radius:10px;flex-direction:column;align-items:stretch;gap:2px;width:220px;padding:12px;display:flex;position:absolute;top:calc(100% + 10px);right:0;box-shadow:0 18px 45px #071d3530}.mobile-nav nav a{border-radius:6px;align-items:center;min-height:44px;padding:0 12px;display:flex}.mobile-nav nav a:hover{background:var(--mint)}.header-actions{align-items:center;gap:22px;display:flex}.call-link{color:var(--green-dark);font-size:13px;font-weight:800}.call-link span{color:var(--navy);margin-left:4px}.button{border:0;border-radius:8px;justify-content:center;align-items:center;min-height:50px;padding:0 24px;font-size:14px;font-weight:800;transition:transform .18s,box-shadow .18s,background .18s;display:inline-flex}.button:hover{transform:translateY(-2px)}.button-primary{background:var(--green-action);color:#fff;box-shadow:0 10px 25px #0b7e4f40}.button-primary:hover{background:var(--green-action-hover);box-shadow:0 14px 30px #096b4452}.button-secondary{color:var(--navy);border:1px solid var(--control-border);background:#fff}.button-secondary:hover{background:var(--mint);border-color:var(--green-dark)}.button:disabled{box-shadow:none;transform:none}.button-primary:disabled{background:var(--muted);color:#fff}.button-small{min-height:43px;padding-inline:18px}.button-ghost{color:#fff;background:#ffffff0d;border:1px solid #fff6}.button-ghost:hover{background:#ffffff1a}.button-light{color:var(--navy);background:#fff}.button-dark{background:var(--navy);color:#fff}.eyebrow{color:var(--green-dark);text-transform:uppercase;letter-spacing:1.7px;align-items:center;gap:8px;font-size:11px;font-weight:850;display:inline-flex}.eyebrow.light{color:#74e4b5}.eyebrow i{background:currentColor;border-radius:99px;width:6px;height:6px}h1,h2,h3{font-family:var(--font-display);letter-spacing:-.03em;margin-top:0;line-height:1.12}p{color:var(--muted)}.hero{background:var(--navy);color:#fff;min-height:660px;position:relative;overflow:hidden}.hero:after{content:"";background:#0b2b4d;height:560px;position:absolute;inset:auto -120px -300px 25%;transform:rotate(-8deg)}.hero-glow{background:radial-gradient(circle,#1abe792e,#0000 66%);border-radius:50%;width:620px;height:620px;position:absolute;top:-280px;right:-180px}.hero-grid{z-index:2;grid-template-columns:1.02fr .98fr;align-items:center;gap:66px;min-height:660px;display:grid;position:relative}.hero-copy{padding:80px 0 92px}.hero h1{max-width:680px;margin:18px 0 24px;font-size:clamp(46px,5vw,72px)}.hero h1 em,.final-cta h2 em{color:#69d9aa;font-style:normal}.hero-copy>p{color:#c6d1db;max-width:620px;font-size:18px;line-height:1.7}.hero-actions{gap:12px;margin:33px 0 36px;display:flex}.hero-rating{align-items:center;gap:14px;display:flex}.mini-avatars{padding-left:8px;display:flex}.mini-avatars b{width:35px;height:35px;color:var(--navy);border:2px solid var(--navy);background:#e4f5ee;border-radius:50%;place-items:center;margin-left:-8px;font-size:9px;display:grid}.hero-rating div{flex-direction:column;display:flex}.hero-rating strong{font-size:13px}.hero-rating small{color:#91a3b4;font-size:11px}.hero-visual{align-self:end;height:590px;position:relative}.image-frame{border:1px solid #ffffff2e;border-radius:190px 190px 18px 18px;position:absolute;inset:48px 0 0;overflow:hidden;box-shadow:0 20px 60px #0006}.hero-picture{width:100%;height:100%;display:block;position:absolute;inset:0}.image-frame img{object-fit:cover;object-position:center 36%;width:100%;height:100%;display:block}.image-frame:after{content:"";position:absolute;inset:0;box-shadow:inset 0 -100px 100px #061b3155}.floating-note{color:var(--navy);background:#fff;border-radius:12px;align-items:center;gap:12px;padding:16px 20px;display:flex;position:absolute;bottom:66px;left:-36px;box-shadow:0 22px 50px #0005}.floating-note>span{color:#fff;background:var(--green-action);border-radius:50%;place-items:center;width:34px;height:34px;display:grid}.floating-note div{flex-direction:column;display:flex}.floating-note small{color:#71808d;font-size:11px}.hero-dots{background-image:radial-gradient(#66d5a5 1.5px,#0000 1.5px);background-size:12px 12px;width:70px;height:70px;position:absolute;top:84px;right:-18px}.trust-strip{background:#f8faf8;border-bottom:1px solid #e2e9e5}.trust-strip .shell{grid-template-columns:repeat(4,1fr);align-items:center;min-height:92px;display:grid}.trust-strip .shell>div{border-right:1px solid #dfe7e2;justify-content:center;align-items:center;gap:12px;min-height:42px;font-size:12px;display:flex}.trust-strip .shell>div:last-child{border:0}.trust-strip span{background:var(--mint);width:32px;height:32px;color:var(--green-dark);border-radius:50%;place-items:center;font-size:10px;font-weight:900;display:grid}.quote-zone{background:#fff;padding:90px 0}.quote-layout{grid-template-columns:.72fr 1.28fr;align-items:start;gap:72px;display:grid}.quote-aside{padding-top:30px;position:sticky;top:30px}.quote-aside h2{margin:14px 0 20px;font-size:38px}.quote-aside>p{font-size:16px;line-height:1.8}.quote-scope{border-left:3px solid var(--green);background:var(--mint);border-radius:0 8px 8px 0;margin-top:24px;padding:16px 18px}.quote-scope h3{color:var(--navy);margin:0 0 8px;font-size:15px}.quote-scope p{color:var(--muted);margin:0;font-size:12px;line-height:1.65}.privacy-callout{border-top:1px solid var(--line);gap:14px;margin-top:36px;padding-top:25px;display:flex}.privacy-callout>span{background:var(--mint);width:38px;height:38px;color:var(--green-dark);border-radius:50%;place-items:center;display:grid}.privacy-callout div{flex-direction:column;display:flex}.privacy-callout small{color:var(--muted)}.quote-form{background:#f7f9f7;border:1px solid #e0e7e2;border-radius:16px;padding:36px;box-shadow:0 18px 50px #09264014}.form-heading{border-bottom:1px solid var(--line);margin-bottom:26px;padding-bottom:21px}.form-heading h2{margin:8px 0;font-size:30px}.form-heading p{margin:0;font-size:14px}.form-grid{grid-template-columns:1fr 1fr;gap:17px;display:grid}.quote-form label{color:#33495b;flex-direction:column;gap:7px;font-size:12px;font-weight:750;display:flex}.quote-form input:not([type=checkbox]),.quote-form select{border:1px solid var(--control-border);width:100%;min-height:48px;color:var(--ink);background:#fff;border-radius:7px;padding:0 13px}.quote-form input:focus,.quote-form select:focus{border-color:var(--focus-ring)}.quote-form input:focus-visible,.quote-form select:focus-visible{outline:3px solid var(--focus-ring);outline-offset:2px;box-shadow:none}.form-grid .full{grid-column:1/-1}.form-disclosure{border-left:3px solid var(--green);background:var(--mint);color:#405a4e;margin:18px 0 0;padding:14px 16px;font-size:12px;line-height:1.55}.form-disclosure strong{color:var(--navy)}.consent-row{align-items:flex-start;margin:20px 0;line-height:1.45;color:#5e6d77!important;flex-direction:row!important;gap:10px!important;font-size:11.5px!important}.consent-row input{width:17px;height:17px;accent-color:var(--green-action);flex:none}.form-submit{width:100%}.form-legal{text-align:center;margin:12px 0 0;font-size:11px}.form-legal a{text-decoration:underline}.license-check{background:var(--mint);color:#405a4e;border:1px solid #d6e5dc;border-radius:8px;margin:16px 0 0;padding:14px 16px;font-size:11px;line-height:1.6}.license-check strong{color:var(--navy)}.license-check a{color:var(--green-dark);font-weight:800;text-decoration:underline}.form-error{color:#a02b2b;text-align:center;font-size:12px}.form-error a{font-weight:800;text-decoration:underline}.field-help{color:var(--muted);margin-top:-3px;font-size:10px;font-weight:500}.form-success{text-align:center;background:#f1fbf6;border:1px solid #bde2cf;border-radius:16px;flex-direction:column;justify-content:center;align-items:center;min-height:430px;padding:44px;display:flex}.form-success h3{margin:16px 0 8px;font-size:32px}.form-success p{max-width:440px}.success-mark{color:#fff;background:var(--green-action);border-radius:50%;place-items:center;width:64px;height:64px;font-size:28px;display:grid}.text-button{color:var(--green-dark);background:0 0;border:0;font-weight:750;text-decoration:underline}.referral-section,.referral-application-zone{content-visibility:auto;contain-intrinsic-size:auto 900px}.referral-hero{padding:72px 0 82px}.referral-hero .shell{max-width:1160px}.referral-hero-grid{grid-template-columns:minmax(0,1.18fr) minmax(310px,.82fr);align-items:center;gap:64px;margin-top:34px;display:grid}.referral-hero h1{max-width:760px;font-size:clamp(42px,5.2vw,66px);line-height:1.03}.referral-hero-grid>div>p{max-width:720px}.referral-hero-actions{flex-wrap:wrap;gap:12px;margin-top:28px;display:flex}.referral-hero-boundary{border-top:1px solid #ffffff2e;margin:22px 0 0;padding-top:18px;line-height:1.65;color:#d5dee6!important;font-size:12px!important}.referral-role-panel{background:#ffffff0d;border:1px solid #ffffff35;border-radius:18px;gap:13px;padding:28px;display:grid;box-shadow:0 24px 60px #0003}.referral-role-panel>span{color:var(--green-on-dark);letter-spacing:1px;text-transform:uppercase;font-size:11px;font-weight:900}.referral-role-panel article{color:var(--ink);background:#fff;border-radius:12px;grid-template-columns:50px 1fr;align-items:start;gap:15px;padding:18px;display:grid}.referral-role-panel article>b{background:var(--mint);width:50px;height:50px;color:var(--green-dark);border-radius:12px;place-items:center;font-size:13px;display:grid}.referral-role-panel h2{color:var(--navy);margin:1px 0 5px;font-size:19px}.referral-role-panel p{color:var(--muted);margin:0;font-size:12px}.referral-section{padding:96px 0}.referral-purpose-grid{grid-template-columns:.76fr 1.24fr;align-items:start;gap:76px;display:grid}.referral-purpose-grid>div:first-child{position:sticky;top:30px}.referral-purpose-grid h2,.referral-section-heading h2,.referral-application-copy h2{color:var(--navy);margin:12px 0 18px;font-size:clamp(34px,4vw,48px);line-height:1.1}.referral-purpose-grid>div:first-child p,.referral-section-heading>p{font-size:16px;line-height:1.8}.referral-principles{gap:15px;display:grid}.referral-principles article{border:1px solid var(--line);background:var(--cream);border-radius:14px;grid-template-columns:48px 1fr;gap:18px;padding:25px 27px;display:grid}.referral-principles article>span{background:var(--navy);color:#fff;border-radius:50%;place-items:center;width:42px;height:42px;font-size:11px;font-weight:900;display:grid}.referral-principles h3{color:var(--navy);margin:1px 0 7px;font-size:19px}.referral-principles p{color:var(--muted);grid-column:2;margin:-4px 0 0;font-size:13px}.referral-principles a,.referral-resource-note a,.referral-compliance-note a,.referral-form a{color:var(--green-dark);text-underline-offset:2px;font-weight:800;text-decoration:underline}.referral-application-zone{border-block:1px solid var(--line);background:#f3f7f5;padding:100px 0;scroll-margin-top:24px}.referral-application-layout{grid-template-columns:.74fr 1.26fr;align-items:start;gap:70px;display:grid}.referral-application-copy{position:sticky;top:30px}.referral-process-list{gap:19px;margin:30px 0;padding:0;list-style:none;display:grid}.referral-process-list li{grid-template-columns:35px 1fr;gap:15px;display:grid}.referral-process-list li>span{background:var(--green-action);color:#fff;border-radius:50%;place-items:center;width:32px;height:32px;font-size:11px;font-weight:900;display:grid}.referral-process-list h3{color:var(--navy);margin:1px 0 5px;font-size:16px}.referral-process-list p{color:var(--muted);margin:0;font-size:12px;line-height:1.65}.referral-resource-note{border-left:3px solid var(--green);background:#fff;border-radius:0 10px 10px 0;padding:18px 20px}.referral-resource-note strong{color:var(--navy)}.referral-resource-note p{color:var(--muted);margin:7px 0 0;font-size:12px;line-height:1.65}.referral-form{background:#fff;border:1px solid #d8e3dd;border-radius:18px;padding:38px;position:relative;box-shadow:0 20px 55px #09264017}.referral-form-grid{grid-template-columns:1fr 1fr;gap:17px;display:grid}.referral-form label{color:#33495b;flex-direction:column;gap:7px;font-size:12px;font-weight:750;display:flex}.referral-form-grid .full{grid-column:1/-1}.referral-form input:not([type=checkbox]),.referral-form select,.referral-form textarea{border:1px solid var(--control-border);width:100%;min-height:48px;color:var(--ink);background:#fff;border-radius:7px;padding:0 13px}.referral-form textarea{resize:vertical;min-height:120px;padding-block:12px;line-height:1.5}.referral-form input:focus,.referral-form select:focus,.referral-form textarea:focus{border-color:var(--focus-ring)}.referral-form input:focus-visible,.referral-form select:focus-visible,.referral-form textarea:focus-visible{outline:3px solid var(--focus-ring);outline-offset:2px;box-shadow:none}.optional-label{color:var(--muted);font-size:10px;font-weight:600}.referral-disclosure{border-left:3px solid var(--green);background:var(--mint);color:#405a4e;border-radius:0 8px 8px 0;margin:22px 0 4px;padding:17px 18px;font-size:12px;line-height:1.6}.referral-disclosure strong{color:var(--navy)}.referral-disclosure p{margin:5px 0 0}.referral-success h2{margin:16px 0 8px;font-size:32px}.referral-resources{border-bottom:1px solid var(--line);background:#f8faf8}.referral-resource-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;display:grid}.referral-resource-grid a{border:1px solid var(--line);min-height:170px;color:inherit;background:#fff;border-radius:14px;flex-direction:column;gap:11px;padding:28px;text-decoration:none;display:flex;box-shadow:0 8px 24px #0926400a}.referral-resource-grid a:hover{border-color:#a9cbbb;transform:translateY(-2px)}.referral-resource-grid a:focus-visible{outline:3px solid var(--focus-ring);outline-offset:3px}.referral-resource-grid strong{color:var(--navy);font-family:var(--font-display);font-size:20px;line-height:1.25}.referral-resource-grid span{color:var(--muted);font-size:13px;line-height:1.65}.referral-standards{background:#fff}.referral-section-heading{max-width:760px;margin-bottom:38px}.referral-standard-grid{grid-template-columns:1fr 1fr;gap:18px;display:grid}.referral-standard-grid article{border:1px solid var(--line);background:var(--cream);border-radius:14px;padding:30px}.referral-standard-grid h3{color:var(--navy);margin:0 0 18px;font-size:25px}.referral-standard-grid ul{color:var(--muted);gap:12px;margin:0;padding-left:20px;font-size:13px;display:grid}.referral-compliance-note{background:var(--mint);border:1px solid #cfe4d9;border-radius:12px;margin-top:22px;padding:22px 25px}.referral-compliance-note strong{color:var(--navy)}.referral-compliance-note p{color:#405a4e;margin:7px 0 0;font-size:13px}.referral-faq{background:var(--cream)}.section{padding:108px 0}.section-heading{max-width:700px;margin-bottom:48px}.section-heading.centered{text-align:center;margin-inline:auto}.section-heading h2,.choose h2,.faq h2{margin:12px 0 16px;font-size:clamp(35px,4vw,48px)}.section-heading p{margin:0;font-size:17px}.quote-guide{background:#f8faf8}.quote-guide-grid{grid-template-columns:repeat(3,1fr);gap:17px;display:grid}.quote-guide-grid article{background:#fff;border:1px solid #dfe7e2;border-radius:13px;padding:30px}.quote-guide-grid article>span{color:var(--green-dark);letter-spacing:1px;font-size:11px;font-weight:900}.quote-guide-grid h3{margin:16px 0 11px;font-size:20px}.quote-guide-grid p{margin:0;font-size:13px}.quote-owner-handoff{background:#eef8f3;border:1px solid #c9ddd3;border-radius:13px;grid-template-columns:minmax(0,1.55fr) minmax(260px,.75fr);align-items:center;gap:28px;margin-top:24px;padding:28px;display:grid}.quote-owner-handoff h3{margin:9px 0 10px;font-size:23px}.quote-owner-handoff p{color:#405a4e;margin:0;font-size:13px}.quote-owner-handoff nav{gap:10px;display:grid}.quote-owner-handoff nav a{min-height:52px;color:var(--green-dark);text-underline-offset:3px;background:#fff;border:1px solid #a9cebc;border-radius:9px;justify-content:space-between;align-items:center;gap:12px;padding:13px 15px;font-size:12px;font-weight:850;text-decoration:underline;display:flex}.quote-owner-handoff nav a:hover{border-color:var(--green-dark);background:#fafffc}.quote-source-note{border-left:3px solid var(--green);background:var(--mint);margin:24px 0 0;padding:18px 20px;font-size:12px}.quote-source-note a{color:var(--green-dark);font-weight:750;text-decoration:underline}.why{background:var(--cream)}.benefit-grid{grid-template-columns:repeat(4,1fr);gap:16px;display:grid}.benefit-grid article{background:#fff;border:1px solid #e1e7e2;border-radius:12px;padding:28px;transition:transform .2s,box-shadow .2s}.benefit-grid article:hover{transform:translateY(-5px);box-shadow:0 18px 40px #0a25330f}.benefit-icon{background:var(--mint);width:45px;height:45px;color:var(--green-dark);border-radius:10px;place-items:center;font-weight:900;display:grid}.benefit-grid h3{margin:22px 0 12px;font-size:18px}.benefit-grid p{min-height:78px;font-size:13px}.benefit-grid a{color:var(--green-dark);text-underline-offset:2px;font-size:12px;font-weight:800;text-decoration:underline}.clarity-note{background:#e9f4fb;border-radius:10px;grid-template-columns:auto 1fr auto;align-items:center;gap:28px;margin-top:28px;padding:24px 28px;display:grid}.clarity-note strong{color:#0b597f;white-space:nowrap}.clarity-note p{color:#516d7a;margin:0;font-size:13px}.clarity-note a{color:#0b597f;font-size:12px;font-weight:800}.process{background:var(--navy);color:#fff;position:relative;overflow:hidden}.process:before{content:"";opacity:.08;background-image:linear-gradient(120deg,#0000 45%,#75e7b7 45% 46%,#0000 46%);background-size:220px 220px;position:absolute;inset:0}.process .shell{position:relative}.process .section-heading h2{margin-top:12px}.steps{border-top:1px solid #ffffff2b;grid-template-columns:repeat(4,1fr);display:grid}.steps article{padding:36px 25px 8px 0;position:relative}.steps article:before{content:"";background:var(--green);border-radius:50%;width:9px;height:9px;position:absolute;top:-5px;left:0;box-shadow:0 0 0 6px #16a66a26}.steps article>span{color:#67dbaa;font-size:11px;font-weight:900}.steps h3{max-width:200px;margin:21px 0 12px;font-size:18px}.steps p{color:#aebdca;max-width:220px;font-size:13px}.choose{background:#fff}.choose-grid{grid-template-columns:.9fr 1.1fr;align-items:center;gap:100px;display:grid}.choose-card{background:linear-gradient(145deg, #0d3557, var(--navy));color:#fff;border-radius:18px;flex-direction:column;justify-content:center;min-height:520px;padding:56px;display:flex;position:relative;overflow:hidden}.choose-card:after{content:"";border:55px solid #59d7a514;border-radius:50%;width:280px;height:280px;position:absolute;bottom:-110px;right:-100px}.choose-card h2{margin:14px 0 20px;font-size:42px}.choose-card>p{color:#b7c7d4}.metric{align-items:center;gap:15px;margin-top:35px;display:flex}.metric strong{font-family:var(--font-display);color:#67dfad;font-size:44px}.metric span{text-transform:uppercase;letter-spacing:1px;color:#9eb1c1;font-size:11px}.feature-list{border-top:1px solid var(--line);margin-top:30px}.feature-list div{border-bottom:1px solid var(--line);grid-template-columns:42px 1fr auto;align-items:center;min-height:57px;display:grid}.feature-list span{color:var(--muted);font-size:10px}.feature-list strong{font-size:14px}.feature-list b{color:var(--green-action)}.calculator-tease{padding-top:0}.calc-card{background:#edf8f2;border-radius:18px;grid-template-columns:1.3fr .7fr;align-items:center;min-height:370px;padding:64px 72px;display:grid;overflow:hidden}.calc-card h2{margin:12px 0 16px;font-size:42px}.calc-card p{max-width:620px}.calc-card .button{margin-top:18px}.calc-visual{background:#fff;border-radius:14px;flex-direction:column;justify-content:center;width:290px;height:220px;margin-left:auto;padding:36px;display:flex;box-shadow:0 20px 50px #1739281a}.calc-visual span{color:var(--green-action);font-weight:900}.calc-visual strong{font-family:var(--font-display);color:var(--navy);font-size:39px}.calc-visual i{background:linear-gradient(90deg, var(--green) 68%, #dbe4df 68%);border-radius:99px;height:9px;margin:16px 0}.calc-visual small{color:var(--muted)}.faq-grid{grid-template-columns:.7fr 1.3fr;align-items:start;gap:90px;display:grid}.faq-grid>div:first-child{position:sticky;top:30px}.faq h2{margin:13px 0 18px}.text-link{color:var(--green-dark);text-underline-offset:2px;font-weight:800;text-decoration:underline}.accordion{border-top:1px solid var(--line)}.accordion details{border-bottom:1px solid var(--line);padding:20px 0}.accordion summary{cursor:pointer;justify-content:space-between;gap:20px;font-weight:800;list-style:none;display:flex}.accordion summary::-webkit-details-marker{display:none}.accordion summary span{color:var(--green);font-size:22px;transition:transform .2s}.accordion details[open] summary span{transform:rotate(45deg)}.accordion p{max-width:720px;margin-bottom:0;font-size:14px}.resource-links{color:#fff;background:#0b2948;padding:78px 0}.resource-links .shell{grid-template-columns:.7fr 1.3fr;gap:70px;display:grid}.resource-links h2{margin-top:13px;font-size:36px}.location-links{grid-template-columns:1fr 1fr;gap:46px;display:grid}.location-links div{grid-template-columns:1fr 1fr;align-content:start;gap:8px 14px;display:grid}.location-links h3{color:#6bd9aa;text-transform:uppercase;letter-spacing:1px;grid-column:1/-1;font-size:12px}.location-links a{color:#c3d0db;font-size:12px}.location-links a:hover{color:#fff;text-decoration:underline}.directory-link{color:#77e3b4;margin-top:6px;font-size:13px;font-weight:800;display:inline-block}.final-cta{background:var(--navy);color:#fff;text-align:center;padding:110px 0;position:relative;overflow:hidden}.final-cta:before,.final-cta:after{content:"";border:55px solid #57d7a412;border-radius:50%;width:350px;height:350px;position:absolute}.final-cta:before{top:-150px;left:-180px}.final-cta:after{bottom:-210px;right:-160px}.final-cta .shell{z-index:1;position:relative}.final-cta h2{margin:15px 0 20px;font-size:clamp(42px,5vw,62px)}.final-cta p{color:#b9c6d1}.final-cta .button{margin:20px 0 18px}.final-cta small{color:#8da0b0;display:block}.site-footer{color:#fff;background:#05162a;padding:72px 0 100px}.footer-grid{grid-template-columns:1.4fr .7fr .7fr .9fr;gap:60px;padding-bottom:52px;display:grid}.site-footer .brand{color:#fff}.site-footer .brand>span:last-child>span{color:var(--green-on-dark)}.footer-grid>div{flex-direction:column;align-items:flex-start;gap:9px;display:flex}.footer-grid p,.footer-grid span{color:#8fa2b4;font-size:12px}.footer-grid h3{color:#72ddaf;text-transform:uppercase;letter-spacing:1.5px;margin:8px 0 10px;font-size:10px}.footer-grid a:not(.brand){color:#bdc9d4;font-size:12px}.footer-grid a:hover{color:#fff}.footer-disclaimer{border-top:1px solid #ffffff1a;padding-top:30px}.footer-disclaimer p{color:#75899c;font-size:10px;line-height:1.7}.mobile-cta{display:none}.modal-backdrop{z-index:100;background:#031220c7;place-items:center;padding:20px;display:grid;position:fixed;inset:0}.exit-modal{text-align:center;background:#fff;border-radius:16px;width:min(520px,100%);padding:48px;position:relative;box-shadow:0 30px 80px #0007}.exit-modal h2{margin:12px 0;font-size:34px}.exit-modal .button{width:100%;margin:14px 0}.modal-close{color:#667580;background:0 0;border:0;font-size:28px;position:absolute;top:11px;right:17px}.inner-hero{background:var(--navy);color:#fff;padding:82px 0 92px;position:relative;overflow:hidden}.inner-hero:after{content:"";border:70px solid #0c3152;border-radius:50%;width:450px;height:450px;position:absolute;top:-180px;right:-170px}.inner-hero .shell{z-index:1;max-width:900px;position:relative}.inner-hero h1{margin:16px 0 20px;font-size:clamp(42px,5vw,64px)}.inner-hero p{color:#c4d0da;max-width:760px;font-size:18px}.breadcrumbs{color:#7fe2b8;text-transform:uppercase;letter-spacing:1px;flex-wrap:wrap;gap:8px;margin-bottom:28px;font-size:11px;font-weight:800;display:flex}.breadcrumbs b{color:#71879a;margin-right:8px}.content-wrap{padding:82px 0 100px}.content-grid{grid-template-columns:1fr 370px;align-items:start;gap:75px;display:grid}.content-grid>*{min-width:0}.prose h2{margin:52px 0 16px;font-size:34px}.prose h2:first-child{margin-top:0}.prose h3{margin:34px 0 10px;font-size:21px}.prose p,.prose li{color:#536676;font-size:16px;line-height:1.8}.prose ul{padding-left:20px}.prose-callout{border-left:4px solid var(--green);background:var(--mint);margin:32px 0;padding:28px}.prose-callout strong{margin-bottom:6px;display:block}.prose-callout p{margin:0}.claim-service-boundary{background:#fff7f4;border:2px solid #a62a2a;border-radius:10px;margin:0 0 34px;padding:24px}.claim-service-boundary strong{color:#7c1f1f;margin-bottom:7px;font-size:18px;display:block}.claim-service-boundary p{color:#593f3f;margin:0}.claims-process-list{gap:16px;margin:28px 0 34px;padding:0;list-style:none;display:grid}.claims-process-list li{border:1px solid var(--line);background:#f8faf8;border-radius:11px;padding:24px}.claims-process-list h3{color:var(--navy);margin:0 0 16px}.claims-process-list dl{grid-template-columns:1fr 1fr;gap:20px;margin:0;display:grid}.claims-process-list dl>div{min-width:0}.claims-process-list dt{color:var(--green-dark);letter-spacing:.08em;text-transform:uppercase;font-size:11px;font-weight:900}.claims-process-list dd{color:#536676;margin:5px 0 0;font-size:14px;line-height:1.65}.side-quote{position:sticky;top:26px}.side-quote .quote-form{padding:26px}.side-quote .form-heading h2{font-size:24px}.side-quote .form-grid{grid-template-columns:1fr}.claims-help-aside{background:#f1faf5;border:1px solid #bee2cf;border-radius:12px;padding:30px}.claims-help-aside h2{margin:10px 0 12px;font-size:27px}.claims-help-aside p{color:#536676;font-size:14px;line-height:1.7}.exclusions-help-aside .text-link{margin-top:14px;display:block}.page-cta{background:var(--green-action);color:#fff;padding:62px 0}.page-cta .shell{justify-content:space-between;align-items:center;gap:35px;display:flex}.page-cta h2{margin:9px 0;font-size:38px}.page-cta p{color:#e8fff5;margin:0}.page-cta .eyebrow.light{color:#fff}.related-grid{grid-template-columns:repeat(3,1fr);gap:16px;margin-top:25px;display:grid}.related-grid a{border:1px solid var(--line);color:var(--green-dark);border-radius:9px;padding:18px;font-size:13px;font-weight:800}.related-grid a:hover{border-color:var(--green-dark);background:var(--mint)}.stats-bar{grid-template-columns:repeat(3,1fr);gap:12px;margin:32px 0;display:grid}.stats-bar div{border:1px solid var(--line);border-radius:9px;padding:20px}.stats-bar strong{font-family:var(--font-display);color:var(--navy);font-size:25px;display:block}.stats-bar span{color:var(--muted);font-size:11px}.editorial-byline{border:1px solid var(--line);background:#f8faf8;border-radius:10px;grid-template-columns:54px 1fr;align-items:center;gap:15px;margin:0 0 30px;padding:18px 20px;display:grid}.editorial-avatar{background:var(--navy);color:#fff;width:54px;height:54px;font-family:var(--font-display);border-radius:50%;place-items:center;font-size:12px;font-weight:900;display:grid}.editorial-byline p{flex-direction:column;gap:3px;margin:0;font-size:12px;line-height:1.5;display:flex}.editorial-byline a{color:var(--green-dark);text-underline-offset:2px;font-weight:800;text-decoration:underline}.evidence-brief{background:#f1faf5;border:1px solid #bee2cf;border-radius:12px;margin:0 0 42px;padding:30px}.evidence-brief h2{font-size:27px;margin:8px 0 12px!important}.evidence-brief>p{margin-top:0}.evidence-brief li a{color:var(--green-dark);text-underline-offset:2px;font-weight:900;text-decoration:underline}.article-sources{border-top:2px solid var(--navy);margin-top:64px;padding-top:10px}.article-sources>p{font-size:13px}.article-sources ol{padding-left:24px}.article-sources li{padding:10px 0;font-size:13px}.article-sources li a{color:var(--green-dark);text-underline-offset:2px;font-weight:800;text-decoration:underline}.article-sources li span{color:var(--muted);font-size:11px;display:block}.profile-layout{grid-template-columns:300px 1fr;align-items:start;gap:75px;display:grid}.team-card{border:1px solid var(--line);background:#f8faf8;border-radius:14px;padding:34px;position:sticky;top:24px}.team-monogram{color:#fff;background:var(--green-action);width:76px;height:76px;font-family:var(--font-display);border-radius:50%;place-items:center;font-weight:900;display:grid}.team-card h2{margin:22px 0 5px;font-size:23px}.team-card p{margin:0 0 20px;font-size:13px}.study-hero .shell{max-width:1000px}.study-edition-name{font-family:var(--font-display);margin:0 0 10px;font-weight:800;color:#fff!important;font-size:20px!important}.hero-study-actions{gap:12px;margin-top:30px;display:flex}.study-layout{grid-template-columns:minmax(0,1fr) 320px;align-items:start;gap:60px;display:grid}.study-disclosure{background:#edf7fb;border-left:4px solid #2788b4;margin-bottom:40px;padding:22px 25px}.study-disclosure p{margin:5px 0 0;font-size:14px}.study-release{background:#f2faf6;border:1px solid #bfd9cd;border-radius:12px;margin:0 0 52px;padding:30px}.study-release h2{margin:8px 0 18px}.study-release h3{margin:25px 0 8px;font-size:18px}.study-release ul{margin-bottom:0;padding-left:20px}.study-release-facts{grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin:0;display:grid}.study-release-facts div{border:1px solid var(--line);background:#fff;border-radius:8px;padding:14px 16px}.study-release-facts dt{color:var(--muted);text-transform:uppercase;letter-spacing:.7px;font-size:11px;font-weight:800}.study-release-facts dd{color:var(--navy);margin:4px 0 0;font-weight:800}.study-citation{border-left:4px solid var(--green-action);overflow-wrap:anywhere;background:#fff;margin:0;padding:16px;font-size:14px}.study-license-note{color:var(--muted);font-size:12px}.study-metrics{grid-template-columns:repeat(3,1fr);gap:12px;margin:30px 0 55px;display:grid}.study-metrics div{border:1px solid var(--line);background:#f8faf8;border-radius:10px;padding:25px}.study-metrics strong{color:var(--navy);font-family:var(--font-display);font-size:31px;display:block}.study-metrics span{color:var(--muted);margin-top:6px;font-size:11px;line-height:1.4;display:block}.finding-grid{grid-template-columns:1fr 1fr;gap:14px;display:grid}.finding-grid section{border:1px solid var(--line);border-radius:10px;padding:25px}.finding-grid span{color:var(--green-dark);font-size:11px;font-weight:900}.finding-grid h3{margin:10px 0;font-size:19px}.finding-grid p{margin:0;font-size:13px}.finding-grid .text-link{margin-top:12px;font-size:12px;display:inline-block}.study-row-guide{background:var(--cream);border-radius:10px;margin:24px 0 32px;padding:24px}.study-row-guide h3{margin:0 0 8px}.study-row-guide p{margin:0 0 10px;font-size:14px}.table-scroll{border:1px solid var(--line);border-radius:10px;max-width:100%;margin:24px 0 48px;overflow-x:auto}.table-scroll:focus-visible{outline:3px solid var(--focus-ring);outline-offset:3px}.study-table{border-collapse:collapse;background:#fff;width:100%;min-width:780px;font-size:12px}.top-study-table{min-width:900px}.study-table.full{min-width:920px}.table-scroll-hint{color:var(--muted);margin:18px 0 -12px;font-size:12px;font-weight:750}.concept-identity-table{min-width:1480px;font-size:13px}.concept-identity-table th{white-space:normal;line-height:1.35}.concept-identity-table tbody th{min-width:220px}.living-event-coverage-table{min-width:1320px;font-size:13px}.living-event-coverage-table th{white-space:normal;line-height:1.35}.living-event-coverage-table tbody th{min-width:230px}.timing-checkpoint-table{min-width:1080px;font-size:13px}.timing-checkpoint-table th{white-space:normal;line-height:1.35}.timing-checkpoint-table tbody th{min-width:220px}.guaranteed-issue-verification-table{min-width:1120px;font-size:13px}.guaranteed-issue-verification-table th{white-space:normal;line-height:1.35}.guaranteed-issue-verification-table tbody th{min-width:220px}.nicotine-application-table{min-width:1120px;font-size:13px}.nicotine-application-table th{white-space:normal;line-height:1.35}.nicotine-application-table tbody th{min-width:220px}.health-history-application-table{min-width:1120px;font-size:13px}.health-history-application-table th{white-space:normal;line-height:1.35}.health-history-application-table tbody th{min-width:220px}.study-table caption{text-align:left;color:var(--muted);background:#f8faf8;padding:15px 18px;font-size:11px}.study-table th{text-align:left;color:#fff;background:var(--navy);white-space:nowrap;padding:13px 14px}.study-table tbody th{vertical-align:top;white-space:normal;min-width:190px}.top-study-table tbody th,.study-table.full:not(.concept-identity-table) tbody th{color:#445a6b;background:inherit;border-bottom:1px solid var(--line)}.study-table td{border-bottom:1px solid var(--line);color:#445a6b;vertical-align:top;padding:12px 14px}.study-table tbody tr:nth-child(2n){background:#f8faf8}.study-table a{color:var(--green-dark);text-underline-offset:2px;font-weight:800;text-decoration:underline}.study-table tr[id]{scroll-margin-top:30px}.study-table tr[id]:target>*{box-shadow:inset 0 2px #b78500,inset 0 -2px #b78500;background:#fff7d6!important}.study-row-anchor{border-radius:4px;justify-content:center;align-items:center;min-width:30px;min-height:30px;margin-left:4px;display:inline-flex}.methodology{background:var(--cream);border-radius:12px;padding:34px;scroll-margin-top:30px}.methodology h2{margin-top:0}.methodology p{font-size:14px}.methodology code{font-size:.9em}.methodology .checksum{overflow-wrap:anywhere}.study-download-list{padding-left:20px}.study-side{gap:16px;display:grid;position:sticky;top:24px}.study-side>div{border:1px solid var(--line);background:#f8faf8;border-radius:12px;padding:28px}.study-side h2{margin:9px 0 12px;font-size:23px}.study-side p{font-size:13px}.study-side .button{width:100%;margin-top:8px}.study-side .button+.text-link,.study-side .text-link+.text-link{margin-top:12px;display:block}.analytics-consent{z-index:90;background:#fff;border:1px solid #cbd9d3;border-radius:12px;justify-content:space-between;align-items:center;gap:28px;max-width:850px;margin-inline:auto;padding:20px 22px;display:flex;position:fixed;bottom:18px;left:18px;right:18px;box-shadow:0 18px 60px #06182e35}.analytics-consent strong{color:var(--navy)}.analytics-consent p{max-width:590px;margin:4px 0 0;font-size:12px}.analytics-consent>div:last-child{flex:none;align-items:center;gap:12px;display:flex}.analytics-consent .button{min-height:42px;padding-inline:17px;font-size:12px}.analytics-consent .text-button{font-size:12px}.admin-page{background:#f3f7f5;min-height:100vh}.admin-shell{width:min(1120px,100% - 40px);margin-inline:auto}.admin-header{border-bottom:1px solid var(--line);background:#fff}.admin-header-inner{justify-content:space-between;align-items:center;gap:24px;min-height:74px;display:flex}.admin-header-inner>div{color:var(--muted);align-items:center;gap:14px;font-size:12px;display:flex}.admin-header-inner>div a{color:var(--green-dark);font-weight:800;text-decoration:underline}.admin-main{padding:64px 0 90px}.admin-summary{grid-template-columns:1fr auto;align-items:end;gap:36px;margin-bottom:34px;display:grid}.admin-summary h1{color:var(--navy);margin:9px 0 10px;font-size:clamp(38px,5vw,58px)}.admin-summary p{max-width:640px;margin:0}.admin-total{background:var(--mint);border:1px solid #cfe4d9;border-radius:12px;min-width:150px;padding:19px 22px}.admin-total strong,.admin-total span{display:block}.admin-total strong{color:var(--navy);font-family:var(--font-display);font-size:32px;line-height:1}.admin-total span{color:var(--muted);text-transform:uppercase;letter-spacing:.7px;margin-top:6px;font-size:11px;font-weight:800}.admin-lead-list{gap:18px;margin:0;padding:0;list-style:none;display:grid}.admin-lead-card{border:1px solid var(--line);background:#fff;border-radius:14px;overflow:hidden;box-shadow:0 12px 30px #0926400d}.admin-lead-heading{border-bottom:1px solid var(--line);background:#fbfcfb;justify-content:space-between;align-items:center;gap:24px;padding:22px 26px;display:flex}.admin-kicker{color:var(--green-dark);letter-spacing:1px;text-transform:uppercase;font-size:10px;font-weight:900}.admin-lead-heading h2{color:var(--navy);margin:5px 0 0;font-size:25px}.admin-lead-heading time{color:var(--muted);white-space:nowrap;font-size:12px;font-weight:750}.admin-lead-details{grid-template-columns:repeat(3,minmax(0,1fr));margin:0;display:grid}.admin-lead-details>div{border-right:1px solid var(--line);border-bottom:1px solid var(--line);min-width:0;padding:18px 26px}.admin-lead-details>div:nth-child(3n){border-right:0}.admin-lead-details dt{color:var(--muted);letter-spacing:.7px;text-transform:uppercase;font-size:10px;font-weight:850}.admin-lead-details dd{color:var(--ink);margin:5px 0 0;font-size:13px;font-weight:700}.admin-lead-details a{color:var(--green-dark);text-underline-offset:2px;text-decoration:underline}.admin-wrap-value{overflow-wrap:anywhere;word-break:break-word}.admin-wrap-value code{font-size:11px}.admin-empty{text-align:center;background:#fff;border:1px dashed #b9cac1;border-radius:14px;padding:62px 28px}.admin-empty h1,.admin-empty h2{color:var(--navy);margin-bottom:10px}.admin-empty p{margin:0}.admin-pagination{justify-content:flex-end;gap:12px;margin-top:28px;display:flex}.admin-view-nav{flex-wrap:wrap;gap:8px;margin-bottom:28px;display:flex}.admin-view-nav a{border:1px solid var(--line);min-height:40px;color:var(--navy);background:#fff;border-radius:8px;align-items:center;padding:0 15px;font-size:12px;font-weight:800;display:inline-flex}.admin-view-nav a[aria-current=page]{border-color:var(--green-action);background:var(--mint);color:var(--green-dark)}.admin-summary-value{white-space:pre-wrap}.calculator{border:1px solid var(--line);background:#f8faf8;border-radius:16px;padding:36px}.calc-form{grid-template-columns:1fr 1fr;gap:18px;display:grid}.calc-form label{flex-direction:column;gap:7px;font-size:12px;font-weight:750;display:flex}.calc-form input{border:1px solid var(--control-border);border-radius:7px;min-height:50px;padding:0 13px}.calc-result{background:var(--navy);color:#fff;border-radius:12px;margin-top:28px;padding:34px}.calc-result span,.calc-result small{color:#aebdca;display:block}.calc-result strong{font-family:var(--font-display);color:#73dfb2;margin:6px 0;font-size:45px;display:block}.calculator-prose{max-width:960px;margin:0 auto}.scenario-calculator{margin:36px 0 48px;scroll-margin-top:24px}.calculator-prose>.scenario-calculator:first-child{margin-top:0}.scenario-note{border-left:4px solid var(--green);background:var(--mint);border-radius:8px;gap:4px;margin-bottom:18px;padding:20px 22px;display:grid}.scenario-note strong{color:var(--navy)}.scenario-note span{color:var(--muted);font-size:13px}.scenario-privacy,.worksheet-privacy{border:1px solid var(--line);color:var(--muted);background:#fff;border-radius:8px;margin:0 0 18px;padding:14px 16px;font-size:11px}.scenario-privacy strong,.worksheet-privacy strong{color:var(--navy)}.scenario-form{gap:18px;display:grid}.scenario-fieldset{border:1px solid var(--line);background:#f8faf8;border-radius:14px;min-width:0;margin:0;padding:26px}.scenario-fieldset legend{color:var(--navy);font-family:var(--font-display);padding:0 8px;font-size:22px;font-weight:750}.scenario-fieldset>p{margin:0 0 18px;font-size:13px}.scenario-fields{grid-template-columns:repeat(3,minmax(0,1fr));gap:15px;display:grid}.scenario-fields label{color:var(--navy);flex-direction:column;gap:7px;font-size:12px;font-weight:800;display:flex}.scenario-fields input{border:1px solid var(--control-border);width:100%;min-height:50px;color:var(--navy);font:inherit;background:#fff;border-radius:7px;padding:0 13px}.scenario-fields input:focus{border-color:var(--focus-ring)}.scenario-fields input:focus-visible{outline:3px solid var(--focus-ring);outline-offset:2px;box-shadow:none}.scenario-fields small{color:var(--muted);font-size:10px;font-weight:500;line-height:1.45}.scenario-form>.button{justify-self:start}.scenario-error,.worksheet-error{color:#8a1c13;background:#fff4f2;border:1px solid #b42318;border-radius:8px;margin:0;padding:12px 14px;font-size:12px;font-weight:750}.scenario-results{background:var(--navy);color:#fff;border-radius:16px;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin-top:24px;padding:30px;display:grid}.scenario-results-heading,.scenario-disclaimer{grid-column:1/-1}.scenario-results-heading h2{color:#fff;margin:6px 0 4px;font-size:30px}.scenario-results-heading p{color:#b8c8d2;margin:0;font-size:12px}.scenario-result-card{background:#ffffff0b;border:1px solid #ffffff28;border-radius:12px;padding:24px}.scenario-result-card>span{color:#b8c8d2;letter-spacing:.4px;text-transform:uppercase;font-size:12px;font-weight:800;display:block}.scenario-result-card>strong{color:#73dfb2;font-family:var(--font-display);margin:6px 0 18px;font-size:42px;display:block}.scenario-result-card dl{gap:8px;margin:0;display:grid}.scenario-result-card dl>div{border-top:1px solid #ffffff18;justify-content:space-between;gap:20px;padding-top:8px;display:flex}.scenario-result-card dt,.scenario-result-card dd{color:#dce5ea;margin:0;font-size:11px}.scenario-result-card dd{color:#fff;text-align:right;font-weight:800}.scenario-result-card>p{color:#dce5ea;margin:-8px 0 0;font-size:11px;line-height:1.55}.scenario-disclaimer{color:#b8c8d2;margin:2px 0 0;font-size:11px}.formula-grid{grid-template-columns:1fr 1fr;gap:16px;margin:24px 0 36px;display:grid}.formula-grid-three{grid-template-columns:repeat(3,minmax(0,1fr))}.formula-grid section{border:1px solid var(--line);background:#f8faf8;border-radius:10px;padding:22px}.formula-grid h3{margin-top:0}.formula-grid p{margin-bottom:0;font-size:13px}.inline-guide-cta{background:var(--mint);border-radius:12px;justify-content:space-between;align-items:center;gap:24px;margin:38px 0;padding:25px;display:flex}.inline-guide-cta strong,.inline-guide-cta span{display:block}.inline-guide-cta strong{color:var(--navy);font-family:var(--font-display);font-size:21px}.inline-guide-cta span{color:var(--muted);margin-top:5px;font-size:11px}.inline-guide-cta .button{flex:none}.worksheet-hero{background:linear-gradient(135deg, var(--navy), #123e4c)}.worksheet-layout{grid-template-columns:minmax(0,1fr) 310px;align-items:start;gap:58px;display:grid}.worksheet-intro{max-width:760px;margin-bottom:32px}.worksheet-intro h2{margin:10px 0 12px;font-size:36px}.worksheet-tool{border:1px solid var(--line);background:#f8faf8;border-radius:16px;padding:32px}.worksheet-tool form{gap:30px;display:grid}.worksheet-section>div:first-child{align-items:center;gap:12px;display:flex}.worksheet-section>div:first-child>span{color:#fff;background:var(--green-dark);border-radius:50%;place-items:center;width:31px;height:31px;font-size:12px;font-weight:900;display:grid}.worksheet-section h2{margin:0;font-size:24px}.worksheet-section>p{margin:8px 0 18px 43px;font-size:12px}.worksheet-fields{grid-template-columns:1fr 1fr;gap:14px;display:grid}.worksheet-fields label{color:var(--navy);flex-direction:column;gap:7px;font-size:11px;font-weight:800;display:flex}.money-input{display:block;position:relative}.money-input>span{color:var(--muted);font-weight:700;position:absolute;top:50%;left:13px;transform:translateY(-50%)}.money-input input,.worksheet-fields>label>input{border:1px solid var(--control-border);width:100%;min-height:49px;color:var(--navy);font:inherit;background:#fff;border-radius:7px;padding:0 12px;font-size:14px}.money-input input{padding-left:29px}.worksheet-fields small{color:var(--muted);font-size:10px;font-weight:500;line-height:1.45}.worksheet-result{background:var(--navy);color:#fff;border-radius:13px;margin-top:30px;padding:32px}.worksheet-result>span,.worksheet-result>small{color:#b8c8d2;display:block}.worksheet-result>span{text-transform:uppercase;letter-spacing:1px;font-size:10px;font-weight:850}.worksheet-result>strong{color:#73dfb2;font-family:var(--font-display);margin:5px 0 18px;font-size:48px;display:block}.worksheet-result>div:not(.worksheet-actions){grid-template-columns:1fr 1fr;gap:12px;margin-bottom:18px;display:grid}.worksheet-result p{color:#dce5ea;border:1px solid #ffffff20;border-radius:8px;margin:0;padding:12px;font-size:11px}.worksheet-result b{color:#fff;margin-top:4px;font-size:14px;display:block}.worksheet-result small{line-height:1.6}.worksheet-actions{gap:10px;margin-top:22px;display:flex}.worksheet-actions .button{text-align:center;flex:1}.worksheet-prose{max-width:none;margin-top:56px}.worksheet-side{gap:16px;display:grid;position:sticky;top:24px}.worksheet-side>div{border:1px solid var(--line);background:#fff;border-radius:12px;padding:25px}.worksheet-side h2{margin:9px 0 10px;font-size:22px}.worksheet-side p{margin:0 0 18px;font-size:12px}.worksheet-side .button{text-align:center;width:100%}.cost-worksheet{max-width:none;margin:34px 0 54px}.cost-worksheet-heading{margin-bottom:20px}.cost-worksheet-heading h2{margin:8px 0 10px;font-size:clamp(27px,3vw,38px)}.cost-worksheet-heading p{margin:0}.cost-worksheet-note{border-left:3px solid var(--green);background:var(--mint);border-radius:0 9px 9px 0;gap:5px;margin-bottom:20px;padding:16px 18px;display:grid}.cost-worksheet-note strong{color:var(--navy)}.cost-worksheet-note span{color:var(--muted);font-size:12px;line-height:1.6}.cost-quote-grid{grid-template-columns:repeat(auto-fit,minmax(225px,1fr));gap:14px;display:grid}.cost-quote-card{border:1px solid var(--line);background:#fff;border-radius:11px;min-width:0;margin:0;padding:20px 16px}.cost-quote-card legend{color:var(--navy);font-family:var(--font-display);padding:0 7px;font-size:18px;font-weight:800}.cost-quote-fields{gap:12px;display:grid}.cost-quote-fields label{color:var(--navy);letter-spacing:.01em;gap:5px;font-size:12px;font-weight:800;display:grid}.cost-quote-fields input,.cost-quote-fields select{border:1px solid var(--control-border);width:100%;min-height:44px;color:var(--ink);font:inherit;background:#fff;border-radius:7px;padding:9px 10px;font-size:13px}.cost-quote-fields input:focus-visible,.cost-quote-fields select:focus-visible{border-color:var(--focus-ring);outline:3px solid var(--focus-ring);outline-offset:2px}.cost-quote-fields input:disabled,.cost-quote-fields select:disabled{border-color:var(--control-border);color:var(--muted);opacity:1;cursor:not-allowed;background:#edf2ef}.cost-quote-fields small{color:var(--muted);font-size:11px;font-weight:500;line-height:1.5}.cost-worksheet-actions{flex-wrap:wrap;gap:10px;margin:18px 0 0;display:flex}.cost-worksheet-actions .button{min-height:48px}.cost-results{background:var(--navy);color:#fff;border-radius:13px;margin-top:24px;padding:28px 24px}.cost-results-heading h2{color:#fff;margin:7px 0 8px;font-size:clamp(26px,3vw,36px)}.cost-results-heading p{color:#cbd8e0;margin:0 0 18px}.cost-live-status{color:#dce5ea;margin:0 0 12px;font-size:12px}.cost-mismatch,.cost-match{background:#ffffff0d;border:1px solid #ffffff24;border-radius:9px;margin-bottom:18px;padding:15px 17px}.cost-mismatch{border-color:#ffcf6e70}.cost-match{border-color:#73dfb260}.cost-mismatch p,.cost-match p{color:#dce5ea;margin:5px 0 0;font-size:12px}.cost-result-grid{grid-template-columns:repeat(auto-fit,minmax(190px,1fr));gap:12px;display:grid}.cost-result-card{background:#ffffff08;border:1px solid #ffffff20;border-radius:10px;min-width:0;padding:18px}.cost-result-card>span{color:#73dfb2;letter-spacing:.08em;text-transform:uppercase;font-size:10px;font-weight:850}.cost-result-card>strong{color:#fff;font-family:var(--font-display);margin:8px 0 16px;font-size:27px;display:block}.cost-result-card>strong small{color:#cbd8e0;font-family:var(--font-body);margin-top:3px;font-size:9px;font-weight:600;display:block}.cost-result-card dl{gap:10px;margin:0;display:grid}.cost-result-card dl div{border-top:1px solid #ffffff18;padding-top:9px}.cost-result-card dt{color:#aebfc9;font-size:11px}.cost-result-card dd{color:#fff;overflow-wrap:anywhere;margin:3px 0 0;font-size:12px;line-height:1.5}.cost-results-disclaimer{color:#bac9d2;margin:18px 0 0;font-size:11px;line-height:1.65}.insurer-verification-table{min-width:1480px;font-size:13px}.insurer-verification-table th{white-space:normal;line-height:1.35}.insurer-verification-table tbody th{min-width:210px}.insurer-shared-card{border:1px solid var(--line);background:var(--cream);border-radius:11px;margin:0 0 18px;padding:20px}.insurer-shared-card legend{color:var(--navy);font-family:var(--font-display);padding:0 7px;font-size:18px;font-weight:800}.insurer-shared-fields{grid-template-columns:1fr 1fr;gap:14px;display:grid}.insurer-shared-fields label{color:var(--navy);gap:5px;font-size:12px;font-weight:800;display:grid}.insurer-shared-fields input{border:1px solid var(--control-border);width:100%;min-height:44px;color:var(--ink);font:inherit;background:#fff;border-radius:7px;padding:9px 10px;font-size:13px}.insurer-shared-fields input:focus-visible{border-color:var(--focus-ring);outline:3px solid var(--focus-ring);outline-offset:2px}.insurer-shared-card>p{color:var(--muted);margin:12px 0 0;font-size:11px}.insurer-offer-grid{grid-template-columns:repeat(auto-fit,minmax(250px,1fr))}.insurer-results .cost-mismatch ul{color:#dce5ea;margin:8px 0 0;padding-left:19px;font-size:12px}.insurer-results .cost-mismatch li+li{margin-top:6px}.insurer-owner-handoffs{grid-template-columns:repeat(auto-fit,minmax(190px,1fr));gap:10px;margin-top:20px;display:grid}.insurer-owner-handoffs a{color:#fff;text-underline-offset:3px;border:1px solid #ffffff32;border-radius:8px;align-items:center;min-height:48px;padding:12px 14px;font-size:12px;font-weight:800;text-decoration:underline;display:flex}.insurer-owner-handoffs a:hover{background:#ffffff0d;border-color:#73dfb2}.blog-grid{grid-template-columns:repeat(3,1fr);gap:16px;display:grid}.blog-card{border:1px solid var(--line);background:#fff;border-radius:11px;flex-direction:column;justify-content:space-between;min-height:190px;padding:25px;display:flex}.blog-card span{color:var(--green-dark);text-transform:uppercase;letter-spacing:1px;font-size:10px;font-weight:800}.blog-card h2,.blog-card h3{margin:15px 0;font-size:18px}.blog-card p{margin:0 0 18px;font-size:13px;line-height:1.65}.blog-card small{color:var(--muted)}.blog-card:hover{border-color:var(--green-dark);transform:translateY(-2px);box-shadow:0 14px 32px #0a253315}.research-feature{background:var(--mint);border-radius:15px;justify-content:space-between;align-items:center;gap:40px;margin-bottom:65px;padding:38px;display:flex}.research-feature+.research-feature{margin-top:-45px}.worksheet-feature{background:var(--cream)}.research-feature h2{margin:9px 0 10px;font-size:32px}.research-feature p{max-width:720px;margin:0}.research-feature .button{flex:none}.learning-cluster+.learning-cluster{margin-top:72px}.learning-cluster .section-heading{margin-bottom:28px}.learning-cluster .section-heading h2{font-size:clamp(28px,3vw,38px)}.location-directory{grid-template-columns:repeat(4,1fr);gap:12px;display:grid}.location-directory a{border:1px solid var(--line);background:#fff;border-radius:10px;flex-direction:column;justify-content:center;min-height:82px;padding:18px;display:flex}.location-directory a:hover{border-color:var(--green-dark);background:var(--mint)}.location-directory strong{font-family:var(--font-display);color:var(--navy)}.location-directory span{color:var(--muted);margin-top:3px;font-size:11px}.local-data-grid{grid-template-columns:repeat(2,1fr);gap:12px;margin:22px 0 28px;display:grid}.local-data-grid div{border:1px solid var(--line);background:var(--cream);border-radius:9px;padding:17px 18px}.local-data-grid dt{color:var(--muted);font-size:11px;line-height:1.4}.local-data-grid dd{color:var(--navy);font-family:var(--font-display);margin:6px 0 0;font-size:22px;font-weight:800}.source-note{border-left:3px solid var(--green);background:var(--mint);padding:16px 18px;font-size:12px}.local-city-links{max-height:720px;padding-right:8px;overflow-y:auto}.quote-help{margin-top:24px;font-size:13px}.centered-link{text-align:center;margin-top:32px}@media (width<=1000px){.site-header nav,.call-link{display:none}.mobile-nav{display:block}.mobile-nav nav{display:flex}.hero-grid{gap:30px}.hero-visual{height:540px}.benefit-grid{grid-template-columns:1fr 1fr}.steps{grid-template-columns:1fr 1fr;gap:30px}.choose-grid,.quote-layout,.faq-grid{gap:45px}.footer-grid{grid-template-columns:1.3fr 1fr 1fr}.footer-grid>div:last-child{grid-column:1/-1}.location-directory{grid-template-columns:repeat(3,1fr)}.study-layout{grid-template-columns:1fr}.study-side{grid-template-columns:1fr 1fr;position:static}.profile-layout{grid-template-columns:250px 1fr;gap:45px}.worksheet-layout{grid-template-columns:1fr}.worksheet-side{grid-template-columns:1fr 1fr;position:static}.claims-content-grid,.beneficiary-content-grid,.exclusions-content-grid,.living-event-content-grid{grid-template-columns:1fr}.claims-content-grid .side-quote,.beneficiary-content-grid .side-quote,.exclusions-content-grid .side-quote,.living-event-content-grid .side-quote{position:static}.claims-content-grid .related-grid,.beneficiary-content-grid .related-grid,.exclusions-content-grid .related-grid,.living-event-content-grid .related-grid{grid-template-columns:repeat(2,1fr)}.guaranteed-issue-content-grid{grid-template-columns:1fr}.guaranteed-issue-content-grid .side-quote{position:static}.nicotine-content-grid{grid-template-columns:1fr}.nicotine-content-grid .side-quote{position:static}.health-history-content-grid{grid-template-columns:1fr}.health-history-content-grid .side-quote{position:static}.referral-hero-grid,.referral-purpose-grid,.referral-application-layout{grid-template-columns:1fr;gap:44px}.referral-resource-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.referral-purpose-grid>div:first-child,.referral-application-copy{position:static}}@media (width<=780px){.shell{width:min(100% - 28px,620px)}.study-release{padding:24px 18px}.study-release-facts,.scenario-fields,.scenario-results,.formula-grid{grid-template-columns:1fr}.scenario-fieldset{padding:22px 17px}.scenario-results{padding:24px 17px}.scenario-result-card>strong{font-size:36px}.profile-layout,.study-metrics,.finding-grid{grid-template-columns:1fr}.team-card{position:static}.study-side{grid-template-columns:1fr}.hero-study-actions{flex-direction:column;align-items:stretch}.analytics-consent{flex-direction:column;align-items:stretch;gap:12px}.analytics-consent>div:last-child{justify-content:space-between}.worksheet-fields,.worksheet-result>div:not(.worksheet-actions),.worksheet-side{grid-template-columns:1fr}.worksheet-tool{padding:24px 18px}.worksheet-section>p{margin-left:0}.worksheet-actions,.inline-guide-cta{flex-direction:column;align-items:stretch}.cost-quote-grid,.cost-result-grid{grid-template-columns:1fr}.cost-worksheet-actions{flex-direction:column;align-items:stretch}.cost-worksheet-actions .button{text-align:center;width:100%}.insurer-shared-fields{grid-template-columns:1fr}.cost-results{padding:24px 17px}.claims-process-list dl{grid-template-columns:1fr;gap:13px}.claims-process-list li{padding:20px 18px}.concept-identity-table thead th:first-child,.concept-identity-table tbody th{z-index:1;box-shadow:1px 0 0 var(--line);position:sticky;left:0}.concept-identity-table thead th:first-child{z-index:2;background:var(--navy)}.concept-identity-table tbody th{color:var(--navy);background:#fff}.concept-identity-table tbody tr:nth-child(2n) th{background:#f8faf8}.living-event-coverage-table thead th:first-child,.living-event-coverage-table tbody th{z-index:1;box-shadow:1px 0 0 var(--line);position:sticky;left:0}.living-event-coverage-table thead th:first-child{z-index:2;background:var(--navy)}.living-event-coverage-table tbody th{color:var(--navy);background:#fff}.living-event-coverage-table tbody tr:nth-child(2n) th{background:#f8faf8}.timing-checkpoint-table thead th:first-child,.timing-checkpoint-table tbody th{z-index:1;box-shadow:1px 0 0 var(--line);position:sticky;left:0}.timing-checkpoint-table thead th:first-child{z-index:2;background:var(--navy)}.timing-checkpoint-table tbody th{color:var(--navy);background:#fff}.timing-checkpoint-table tbody tr:nth-child(2n) th{background:#f8faf8}.guaranteed-issue-verification-table thead th:first-child,.guaranteed-issue-verification-table tbody th{z-index:1;box-shadow:1px 0 0 var(--line);position:sticky;left:0}.guaranteed-issue-verification-table thead th:first-child{z-index:2;background:var(--navy)}.guaranteed-issue-verification-table tbody th{color:var(--navy);background:#fff}.guaranteed-issue-verification-table tbody tr:nth-child(2n) th{background:#f8faf8}.nicotine-application-table thead th:first-child,.nicotine-application-table tbody th{z-index:1;box-shadow:1px 0 0 var(--line);position:sticky;left:0}.nicotine-application-table thead th:first-child{z-index:2;background:var(--navy)}.nicotine-application-table tbody th{color:var(--navy);background:#fff}.nicotine-application-table tbody tr:nth-child(2n) th{background:#f8faf8}.health-history-application-table thead th:first-child,.health-history-application-table tbody th{z-index:1;box-shadow:1px 0 0 var(--line);position:sticky;left:0}.health-history-application-table thead th:first-child{z-index:2;background:var(--navy)}.health-history-application-table tbody th{color:var(--navy);background:#fff}.health-history-application-table tbody tr:nth-child(2n) th{background:#f8faf8}.header-inner{gap:10px;height:68px}.brand{font-size:14px}.brand-mark{width:30px;height:33px}.header-actions{margin-left:auto}.header-actions .button{display:none}.mobile-nav summary{min-height:40px}.hero{min-height:auto}.hero-grid{flex-direction:column;align-items:stretch;display:flex}.hero-copy{padding:70px 0 26px}.hero h1{font-size:44px}.hero-copy>p{font-size:16px}.hero-actions{flex-direction:column}.hero-actions .button{width:100%}.hero-rating{justify-content:center}.hero-visual{align-self:stretch;width:100%;height:460px}.image-frame{border-radius:110px 110px 0 0;inset:20px 0 0}.floating-note{padding:13px;bottom:30px;left:10px}.trust-strip .shell{grid-template-columns:1fr 1fr;padding:14px 0}.trust-strip .shell>div{border:0;justify-content:flex-start}.quote-zone,.section{padding:76px 0}.quote-layout,.choose-grid,.faq-grid,.resource-links .shell,.content-grid{grid-template-columns:1fr}.quote-layout{gap:28px}.quote-aside,.faq-grid>div:first-child{padding-top:0;position:static}.quote-aside h2{font-size:32px}.quote-form{padding:24px 18px}.form-grid{grid-template-columns:1fr}.form-grid .full{grid-column:auto}.section-heading h2,.choose h2,.faq h2{font-size:35px}.benefit-grid,.quote-guide-grid,.quote-owner-handoff{grid-template-columns:1fr}.quote-owner-handoff{padding:24px 18px}.benefit-grid p{min-height:auto}.clarity-note{grid-template-columns:1fr;gap:8px}.steps{border-top:0;border-left:1px solid #ffffff2b;grid-template-columns:1fr;padding-left:28px}.steps article{padding:0 0 22px 18px}.steps article:before{top:4px;left:-33px}.steps h3,.steps p{max-width:none}.choose-card{min-height:450px;padding:38px 26px}.choose-card h2{font-size:35px}.calc-card{grid-template-columns:1fr;padding:42px 24px}.calc-card h2{font-size:34px}.calc-visual{width:100%;margin:40px auto 0}.location-links{grid-template-columns:1fr}.resource-links .shell{gap:25px}.final-cta{padding:80px 0}.footer-grid{grid-template-columns:1fr 1fr;gap:35px}.footer-grid>div:first-child,.footer-grid>div:last-child{grid-column:1/-1}.site-footer{padding-bottom:120px}.mobile-cta{z-index:80;background:var(--navy);border-radius:12px;grid-template-columns:70px 1fr 70px;display:grid;position:fixed;bottom:10px;left:10px;right:10px;overflow:hidden;box-shadow:0 15px 40px #0006}.mobile-cta a{color:#fff;place-items:center;min-height:54px;font-size:11px;font-weight:850;display:grid}.mobile-cta a:nth-child(2){background:var(--green-action);font-size:13px}.mobile-cta a:focus-visible{outline-color:var(--focus-on-dark);outline-offset:-4px}.inner-hero{padding:58px 0 68px}.inner-hero h1{font-size:40px}.content-wrap{padding:60px 0 80px}.side-quote{position:static}.page-cta .shell{flex-direction:column;align-items:flex-start}.page-cta h2{font-size:31px}.related-grid,.blog-grid,.stats-bar,.calc-form,.location-directory,.local-data-grid{grid-template-columns:1fr}.research-feature{flex-direction:column;align-items:flex-start;padding:28px}.admin-shell{width:min(100% - 28px,620px)}.admin-header-inner{min-height:68px}.admin-header-inner>div span{display:none}.admin-main{padding:42px 0 70px}.admin-summary{grid-template-columns:1fr;align-items:start;gap:20px}.admin-total{width:100%;min-width:0}.admin-lead-heading{flex-direction:column;align-items:flex-start;gap:10px;padding:20px}.admin-lead-heading time{white-space:normal}.admin-lead-details{grid-template-columns:1fr}.admin-lead-details>div,.admin-lead-details>div:nth-child(3n){border-right:0;padding:16px 20px}.admin-pagination{flex-direction:column;align-items:stretch}.admin-pagination .button{width:100%}.referral-hero{padding:48px 0 58px}.referral-hero-grid{gap:34px;margin-top:26px}.referral-hero h1{font-size:40px}.referral-hero-actions{flex-direction:column;align-items:stretch}.referral-hero-actions .button{text-align:center;width:100%}.referral-role-panel{padding:18px}.referral-role-panel article{grid-template-columns:42px 1fr;padding:15px}.referral-role-panel article>b{width:42px;height:42px}.referral-section,.referral-application-zone{padding:70px 0}.referral-principles article{grid-template-columns:40px 1fr;padding:21px 19px}.referral-principles p{grid-column:1/-1;margin:0}.referral-form{padding:25px 18px}.referral-form-grid,.referral-standard-grid,.referral-resource-grid{grid-template-columns:1fr}.referral-form-grid .full{grid-column:auto}.referral-standard-grid article{padding:24px 21px}.referral-success{padding:34px 20px}.referral-success h2{font-size:29px}}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}@media (forced-colors:active){.brand-mark,.benefit-icon,.success-mark{border:1px solid buttontext}}@property --tw-border-style{syntax:"*";inherits:false;initial-value:solid}@property --tw-shadow{syntax:"*";inherits:false;initial-value:0 0 #0000}@property --tw-shadow-color{syntax:"*";inherits:false}@property --tw-shadow-alpha{syntax:"<percentage>";inherits:false;initial-value:100%}@property --tw-inset-shadow{syntax:"*";inherits:false;initial-value:0 0 #0000}@property --tw-inset-shadow-color{syntax:"*";inherits:false}@property --tw-inset-shadow-alpha{syntax:"<percentage>";inherits:false;initial-value:100%}@property --tw-ring-color{syntax:"*";inherits:false}@property --tw-ring-shadow{syntax:"*";inherits:false;initial-value:0 0 #0000}@property --tw-inset-ring-color{syntax:"*";inherits:false}@property --tw-inset-ring-shadow{syntax:"*";inherits:false;initial-value:0 0 #0000}@property --tw-ring-inset{syntax:"*";inherits:false}@property --tw-ring-offset-width{syntax:"<length>";inherits:false;initial-value:0}@property --tw-ring-offset-color{syntax:"*";inherits:false;initial-value:#fff}@property --tw-ring-offset-shadow{syntax:"*";inherits:false;initial-value:0 0 #0000}@property --tw-outline-style{syntax:"*";inherits:false;initial-value:solid}@property --tw-blur{syntax:"*";inherits:false}@property --tw-brightness{syntax:"*";inherits:false}@property --tw-contrast{syntax:"*";inherits:false}@property --tw-grayscale{syntax:"*";inherits:false}@property --tw-hue-rotate{syntax:"*";inherits:false}@property --tw-invert{syntax:"*";inherits:false}@property --tw-opacity{syntax:"*";inherits:false}@property --tw-saturate{syntax:"*";inherits:false}@property --tw-sepia{syntax:"*";inherits:false}@property --tw-drop-shadow{syntax:"*";inherits:false}@property --tw-drop-shadow-color{syntax:"*";inherits:false}@property --tw-drop-shadow-alpha{syntax:"<percentage>";inherits:false;initial-value:100%}@property --tw-drop-shadow-size{syntax:"*";inherits:false}