/* US Insurance Advisors — design system
   Dark navy chrome + bright, spacious content. Archivo for display (heavy, uppercase heroes),
   Source Sans 3 for reading, Cinzel only for the wordmark. Burnt orange is the single accent. */
:root{
  --ink:#050B1A; --navy:#0A2148; --navy-2:#0E1B36; --navy-3:#162B52; --line-dark:#233659;
  --gold:#C0700E; --gold-hi:#E8A444; --gold-deep:#95560A; --gold-tint:#FBF1E4;
  --paper:#FFFFFF; --paper-2:#F4F6FA; --paper-3:#EAEEF5; --text:#0E1726; --muted:#4A576E; --line:#DDE3EC;
  --on-dark:#F2F5FB; --on-dark-muted:#A9B6CE; --ok:#1C7C54; --err:#B42318;
  --display:"Archivo","Arial Narrow",Arial,sans-serif;
  --body:"Source Sans 3","Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  --brand:"Cinzel",Georgia,serif;
  --r:12px; --r-lg:18px; --max:76rem;
  --shadow:0 18px 44px rgba(10,33,72,.10); --shadow-lg:0 24px 60px rgba(5,11,26,.28);
  color-scheme:light;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-padding-top:90px}
@media (prefers-reduced-motion:no-preference){html{scroll-behavior:smooth}}
body{margin:0;background:var(--paper);color:var(--text);font:400 1.075rem/1.65 var(--body);text-rendering:optimizeLegibility}
img{max-width:100%;height:auto;display:block}
a{color:inherit}
p{margin:0}
h1,h2,h3,h4{margin:0;font-family:var(--display);line-height:1.06;text-wrap:balance;letter-spacing:-.01em}
.wrap{max-width:var(--max);margin-inline:auto;padding-inline:clamp(1rem,4vw,2rem)}
:focus-visible{outline:3px solid var(--gold-hi);outline-offset:3px;border-radius:4px}
.skip{position:absolute;left:-999px;top:0;background:var(--gold);color:#fff;padding:.7rem 1rem;z-index:100;font-weight:700}
.skip:focus{left:1rem;top:1rem}
[hidden]{display:none!important}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.hp{position:absolute;left:-5000px}

/* placeholders: tagged in preview, hidden live */
.todo{display:inline-block;font:700 .78em/1.2 var(--body);color:#8a4a00;background:#FFF1DC;border:1px dashed var(--gold);border-radius:6px;padding:.1em .45em;letter-spacing:0;text-transform:none;vertical-align:.08em}
body.live .todo,body.live .todo-block{display:none!important}

/* utility bar */
.util{background:var(--ink);color:var(--on-dark-muted);font-size:.84rem}
.util .wrap{display:flex;justify-content:space-between;align-items:center;gap:1rem;padding-block:.45rem}
.util .u-l{display:inline-flex;gap:.45rem;align-items:center}
.util .u-r{display:flex;gap:1.2rem}
.util a{text-decoration:none;color:var(--on-dark-muted)}
.util a:hover{color:var(--on-dark)}
@media (max-width:760px){.util .u-l{display:none}.util .wrap{justify-content:center}.util .hide-sm{display:none}}

/* nav */
.nav{background:rgba(14,27,54,.97);backdrop-filter:saturate(1.4) blur(8px);border-bottom:1px solid var(--line-dark);position:sticky;top:0;z-index:60}
.nav>.wrap{display:flex;align-items:center;justify-content:space-between;gap:1rem;padding-block:.55rem}
.brand{display:flex;align-items:center;gap:.75rem;text-decoration:none;color:var(--on-dark);flex:none}
.brand img{width:50px}
.brand .wm{display:grid;line-height:1}
.brand .wm b{font:700 1.12rem/1 var(--brand);letter-spacing:.06em}
.brand .wm small{font:600 .64rem/1 var(--body);letter-spacing:.34em;color:var(--gold-hi);margin-top:.35rem;text-transform:uppercase}
.menu{display:flex;align-items:center;gap:.1rem;list-style:none;margin:0;padding:0}
.menu>li{position:relative}
.menu button.dd{display:inline-flex;align-items:center;gap:.35rem;padding:.65rem .75rem;border-radius:8px;color:var(--on-dark);font:600 .96rem/1 var(--body);background:none;border:0;cursor:pointer}
.menu button.dd:hover,.menu .open>button.dd{background:var(--navy-3)}
.menu button.dd.is-active{box-shadow:inset 0 -2px 0 var(--gold-hi)}
.chev{width:10px;height:10px;transition:transform .2s}
.open .chev{transform:rotate(180deg)}
.drop{position:absolute;left:0;top:calc(100% + .45rem);min-width:18.5rem;background:var(--paper);border-radius:var(--r);box-shadow:var(--shadow-lg);padding:.5rem;list-style:none;margin:0;opacity:0;visibility:hidden;transform:translateY(6px);transition:opacity .18s,transform .18s,visibility .18s}
.open>.drop{opacity:1;visibility:visible;transform:none}
.drop a{display:flex;gap:.75rem;align-items:flex-start;color:var(--text);padding:.6rem .75rem;border-radius:8px;text-decoration:none}
.drop a b{display:block;font-weight:700;font-size:.97rem}
.drop a small{display:block;color:var(--muted);font-size:.82rem;line-height:1.35}
.drop a:hover{background:var(--paper-2)}
.drop a[aria-current="page"]{box-shadow:inset 3px 0 0 var(--gold)}
.mega-panel{display:grid;grid-template-columns:1fr 1fr .9fr;gap:.5rem;width:min(62rem,92vw);left:-10rem;padding:1rem}
.mega-panel ul{list-style:none;margin:0;padding:0}
.mh{font:800 .7rem/1 var(--display);letter-spacing:.18em;text-transform:uppercase;color:var(--muted);padding:.4rem .75rem .6rem}
.mi{width:36px;height:36px;border-radius:9px;background:var(--navy);color:var(--gold-hi);display:grid;place-items:center;flex:none}
.mcta{background:var(--navy-2);color:var(--on-dark-muted);border-radius:var(--r);padding:1.1rem;display:grid;gap:.8rem;align-content:start;font-size:.93rem}
.mcta .mh{color:var(--gold-hi);padding:0}
.mcta .lnk{color:var(--on-dark);font-weight:600;text-decoration:none;font-size:.9rem}
.menu-btns{display:flex;gap:.5rem;margin-left:.5rem}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;padding:.95rem 1.5rem;border-radius:999px;font:800 .9rem/1 var(--display);letter-spacing:.07em;text-transform:uppercase;text-decoration:none;border:2px solid transparent;cursor:pointer;white-space:nowrap;transition:background .15s,border-color .15s,transform .15s,box-shadow .15s}
.btn:hover{transform:translateY(-1px)}
.btn-sm{padding:.7rem 1.1rem;font-size:.8rem}
.btn-gold{background:var(--gold);color:#fff;box-shadow:0 8px 20px rgba(192,112,14,.28)}
.btn-gold:hover{background:var(--gold-deep)}
.btn-line{border-color:rgba(242,245,251,.5);color:var(--on-dark)}
.btn-line:hover{border-color:var(--on-dark);background:rgba(255,255,255,.07)}
.btn-ghost{color:var(--on-dark);border-color:var(--line-dark)}
.btn-ghost:hover{border-color:var(--on-dark-muted)}
.btn-outline{border-color:var(--navy);color:var(--navy)}
.btn-outline:hover{background:var(--navy);color:#fff}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--ink)}
.btn[disabled]{opacity:.6;cursor:not-allowed;transform:none}
.burger{display:none;background:none;border:1px solid var(--line-dark);border-radius:8px;padding:.55rem .6rem;color:var(--on-dark);cursor:pointer}
@media (max-width:1100px){
  .burger{display:inline-flex}
  .menu-wrap{position:absolute;left:0;right:0;top:100%;display:none;background:var(--navy-2);border-bottom:1px solid var(--line-dark);max-height:calc(100dvh - 70px);overflow:auto}
  .nav.menu-open .menu-wrap{display:block}
  .menu{flex-direction:column;align-items:stretch;padding:.6rem clamp(1rem,4vw,2rem) 1.2rem}
  .menu button.dd{width:100%;justify-content:space-between;padding:.95rem .5rem;font-size:1.05rem}
  .drop,.mega-panel{position:static;opacity:1;visibility:visible;transform:none;display:none;box-shadow:none;background:var(--navy-3);min-width:0;width:auto;margin:.2rem 0 .5rem;grid-template-columns:minmax(0,1fr)}
  .open>.drop{display:block}.open>.mega-panel{display:grid}
  .drop a{color:var(--on-dark)}.drop a small{color:var(--on-dark-muted)}.drop a:hover{background:var(--navy)}
  .mh{color:var(--on-dark-muted)}
  .menu-btns{margin:.8rem 0 0;display:grid;grid-template-columns:1fr 1fr}
}

/* hero */
.hero{position:relative;background:radial-gradient(900px 420px at 88% -8%,rgba(192,112,14,.20),transparent 62%),radial-gradient(700px 500px at -10% 110%,rgba(22,43,82,.9),transparent 70%),linear-gradient(180deg,var(--ink),var(--navy-2));color:var(--on-dark);padding-block:clamp(3.5rem,8vw,6.5rem);overflow:hidden}
.hero::after{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.03) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.03) 1px,transparent 1px);background-size:56px 56px;mask-image:linear-gradient(180deg,transparent,#000 30%,#000 70%,transparent);pointer-events:none}
.hero .wrap{position:relative;z-index:1}
.hero .grid{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(0,.9fr);gap:clamp(2rem,5vw,4.5rem);align-items:center}
.hero .grid.solo{grid-template-columns:minmax(0,52rem)}
.eyebrow{font:800 .78rem/1.3 var(--display);letter-spacing:.2em;text-transform:uppercase;color:var(--gold-hi)}
.hero h1{font-size:clamp(2.5rem,6vw,4.6rem);font-weight:900;text-transform:uppercase;margin:.8rem 0 1.1rem}
.hl{color:var(--gold-hi)}
.hero .lede{font-size:clamp(1.08rem,1.6vw,1.22rem);color:var(--on-dark-muted);max-width:40rem}
.checks{list-style:none;padding:0;margin:1.4rem 0 0;display:grid;gap:.55rem}
.checks li{display:flex;gap:.65rem;align-items:flex-start}
.ck{flex:none;margin-top:.3rem;color:var(--gold-hi)}
.ctas{display:flex;flex-wrap:wrap;gap:.8rem;margin-top:2rem}
.page-hero{padding-block:clamp(3rem,6vw,5rem)}
.page-hero h1{font-size:clamp(2.2rem,5vw,3.9rem)}
.crumbs{font-size:.86rem;color:var(--on-dark-muted);margin-bottom:.9rem;display:flex;flex-wrap:wrap;gap:.4rem}
.crumbs a{color:var(--on-dark-muted)}
.hero-card{background:rgba(255,255,255,.045);border:1px solid var(--line-dark);border-radius:var(--r-lg);padding:1.6rem;display:grid;gap:1rem;backdrop-filter:blur(4px)}
.hc-t{font:800 .78rem/1 var(--display);letter-spacing:.18em;text-transform:uppercase;color:var(--gold-hi)}
.hero-card .row{display:flex;justify-content:space-between;align-items:baseline;gap:1rem;border-bottom:1px solid var(--line-dark);padding-bottom:.8rem}
.hero-card .row:last-child{border:0;padding:0}
.hero-card .k{font:700 .74rem/1.4 var(--display);letter-spacing:.14em;text-transform:uppercase;color:var(--on-dark-muted)}
.hero-card .v{font-weight:700;text-align:right}
.hero-start{background:var(--paper);color:var(--text);border-radius:var(--r-lg);padding:clamp(1.3rem,3vw,1.9rem);box-shadow:var(--shadow-lg)}
.hero-start h2{font-size:1.35rem;font-weight:800;margin-bottom:.3rem}
.hero-start p.s{color:var(--muted);font-size:.95rem;margin-bottom:1rem}
.chips{display:grid;grid-template-columns:1fr 1fr;gap:.55rem}
.chip{display:flex;align-items:center;gap:.6rem;padding:.8rem .85rem;border:1px solid var(--line);border-radius:10px;text-decoration:none;font-weight:700;font-size:.95rem;background:var(--paper);transition:border-color .15s,background .15s}
.chip:hover{border-color:var(--gold);background:var(--gold-tint)}
.chip svg{color:var(--gold);flex:none}
.hero-start .foot{display:flex;justify-content:space-between;gap:1rem;margin-top:1rem;font-size:.85rem;color:var(--muted);flex-wrap:wrap}
@media (max-width:900px){.hero .grid{grid-template-columns:minmax(0,1fr)}}
@media (max-width:420px){.chips{grid-template-columns:minmax(0,1fr)}}

/* stats */
.stats{background:var(--navy);color:var(--on-dark)}
.stats .wrap{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,9.5rem),1fr));gap:1rem;padding-block:1.6rem}
.stat{border-left:2px solid var(--gold);padding-left:1rem;display:grid;gap:.15rem}
.stat b{font:900 clamp(1.6rem,3vw,2.1rem)/1 var(--display)}
.stat>span{font-size:.88rem;color:var(--on-dark-muted)}

/* sections */
section.sec{padding-block:clamp(3.5rem,7vw,6rem)}
.sec.alt{background:var(--paper-2)}
.sec.dark{background:var(--ink);color:var(--on-dark)}
.sec.tight{padding-block:clamp(2.5rem,5vw,3.5rem)}
.sec-head{max-width:48rem;margin-bottom:2.6rem;display:grid;gap:.75rem}
.sec-head.center{margin-inline:auto;text-align:center}
.sec-head h2,.sec-head h1{font-size:clamp(1.95rem,4vw,3rem);font-weight:900;text-transform:uppercase}
.sec:not(.dark) .hl{color:var(--gold)}
.sec-head p{color:var(--muted);font-size:1.12rem}
.sec.dark .sec-head p{color:var(--on-dark-muted)}
.sec:not(.dark) .eyebrow{color:var(--gold-deep)}

/* cards */
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(min(100%,21rem),1fr));gap:1.2rem}
.cards.c4{grid-template-columns:repeat(auto-fill,minmax(min(100%,16rem),1fr))}
.pcard{position:relative;display:flex;flex-direction:column;gap:.75rem;background:var(--paper);border:1px solid var(--line);border-radius:var(--r-lg);padding:1.7rem;text-decoration:none;transition:border-color .2s,transform .2s,box-shadow .2s}
.pcard:hover{border-color:var(--gold);transform:translateY(-4px);box-shadow:var(--shadow)}
.pcard .ic{width:50px;height:50px;border-radius:13px;background:var(--navy);display:grid;place-items:center;color:var(--gold-hi)}
.pcard h3{font-size:1.32rem;font-weight:800}
.pcard p{color:var(--muted);font-size:.99rem;flex:1}
.pcard .more{display:inline-flex;align-items:center;gap:.4rem;font:800 .78rem/1 var(--display);letter-spacing:.12em;text-transform:uppercase;color:var(--gold-deep)}
.pcard:hover .more svg{transform:translateX(3px)}
.pcard .more svg{transition:transform .2s}
.sec.dark .pcard{background:var(--navy-2);border-color:var(--line-dark)}
.sec.dark .pcard p{color:var(--on-dark-muted)}.sec.dark .pcard .more{color:var(--gold-hi)}.sec.dark .pcard .ic{background:var(--navy-3)}

.feats{display:grid;gap:1.1rem}
.feats.c3{grid-template-columns:repeat(3,minmax(0,1fr))}
.feats.c2{grid-template-columns:repeat(2,minmax(0,1fr))}
.feats.c4{grid-template-columns:repeat(4,minmax(0,1fr))}
.feat{background:var(--paper);border:1px solid var(--line);border-radius:var(--r-lg);padding:1.5rem;display:grid;gap:.6rem;align-content:start}
.feat .ic{width:44px;height:44px;border-radius:11px;background:var(--navy);display:grid;place-items:center;color:var(--gold-hi)}
.feat h3{font-size:1.16rem;font-weight:800}
.feat p{color:var(--muted);font-size:.98rem}
.sec.dark .feat{background:var(--navy-2);border-color:var(--line-dark)}
.sec.dark .feat p{color:var(--on-dark-muted)}.sec.dark .feat .ic{background:var(--navy-3)}
@media (max-width:980px){.feats.c3,.feats.c4{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:640px){.feats.c3,.feats.c2,.feats.c4{grid-template-columns:minmax(0,1fr)}}

.split{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:clamp(2rem,5vw,4.5rem);align-items:center}
.split.top{align-items:start}
.split.wide-l{grid-template-columns:minmax(0,1.3fr) minmax(0,.9fr)}
@media (max-width:900px){.split,.split.wide-l{grid-template-columns:minmax(0,1fr)}}
.fit{list-style:none;padding:0;margin:0;display:grid;gap:.7rem}
.fit li{display:flex;gap:.8rem;align-items:flex-start;background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:1rem 1.1rem}
.fit .ck{color:var(--gold)}
.fit b{display:block}
.fit span{color:var(--muted);font-size:.96rem}
.sec.dark .fit li{background:var(--navy-2);border-color:var(--line-dark)}.sec.dark .fit span{color:var(--on-dark-muted)}

.steps{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:1.1rem;counter-reset:st;list-style:none;padding:0;margin:0}
.steps li{counter-increment:st;position:relative;background:var(--paper);border:1px solid var(--line);border-radius:var(--r-lg);padding:1.5rem;display:grid;gap:.5rem;align-content:start}
.steps li::before{content:counter(st,decimal-leading-zero);font:900 2.2rem/1 var(--display);color:var(--gold);letter-spacing:-.02em}
.steps h3{font-size:1.15rem;font-weight:800}
.steps p{color:var(--muted);font-size:.97rem}
.sec.dark .steps li{background:var(--navy-2);border-color:var(--line-dark)}.sec.dark .steps p{color:var(--on-dark-muted)}.sec.dark .steps li::before{color:var(--gold-hi)}
@media (max-width:980px){.steps{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:560px){.steps{grid-template-columns:minmax(0,1fr)}}

/* prose */
.prose{max-width:46rem;display:grid;gap:1.05rem;color:#253146}
.prose h2{font-size:clamp(1.5rem,2.8vw,2rem);font-weight:800;color:var(--text);margin-top:1.4rem;scroll-margin-top:100px}
.prose h3{font-size:1.2rem;font-weight:800;color:var(--text);margin-top:.6rem}
.prose ul,.prose ol{margin:0;padding-left:1.25rem;display:grid;gap:.4rem}
.prose a{color:var(--gold-deep);font-weight:600}
.prose strong{color:var(--text)}
.lead{font-size:1.18rem;color:var(--muted)}
.callout{background:var(--gold-tint);border:1px solid #F1D5AE;border-radius:var(--r);padding:1.1rem 1.2rem;color:#4b3310}
.callout b{color:#3d2808}

/* disclaimers */
.disc{border:1px solid var(--line);border-left:4px solid var(--navy);background:var(--paper-2);border-radius:var(--r);padding:1rem 1.2rem;font-size:.88rem;color:var(--muted);margin-top:2rem;max-width:62rem}
.disc .dt{font:800 .72rem/1 var(--display);letter-spacing:.16em;text-transform:uppercase;color:var(--navy);margin-bottom:.5rem}
.sec.dark .disc{background:var(--navy-2);border-color:var(--line-dark);border-left-color:var(--gold);color:var(--on-dark-muted)}
.sec.dark .disc .dt{color:var(--gold-hi)}

/* FAQ */
.faq{display:grid;gap:.65rem;max-width:54rem}
.faq details{border:1px solid var(--line);border-radius:var(--r);background:var(--paper);padding:0 1.15rem;transition:border-color .2s}
.faq details[open]{border-color:#C9D2E0;box-shadow:0 6px 20px rgba(10,33,72,.06)}
.faq summary{cursor:pointer;list-style:none;padding:1.05rem 0;font-weight:700;display:flex;justify-content:space-between;gap:1rem;align-items:center}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";flex:none;width:12px;height:12px;border-right:2px solid var(--gold);border-bottom:2px solid var(--gold);transform:rotate(45deg) translate(-3px,-3px);transition:transform .2s}
.faq details[open] summary::after{transform:rotate(-135deg)}
.faq .a{padding-bottom:1.1rem;color:var(--muted)}
.faq-tools{display:flex;flex-wrap:wrap;gap:.8rem;align-items:center;margin-bottom:1.6rem}
.search{position:relative;flex:1 1 18rem;max-width:30rem}
.search svg{position:absolute;left:.9rem;top:50%;transform:translateY(-50%);color:var(--muted)}
.search input{padding-left:2.6rem}
.pills{display:flex;flex-wrap:wrap;gap:.45rem}
.pill{border:1px solid var(--line);background:var(--paper);border-radius:999px;padding:.5rem .9rem;font:600 .88rem/1 var(--body);cursor:pointer;color:var(--text)}
.pill[aria-pressed="true"]{background:var(--navy);border-color:var(--navy);color:#fff}
.faq-cat{margin-top:2.2rem}
.faq-cat h2{font-size:1.25rem;font-weight:800;text-transform:uppercase;letter-spacing:.02em;margin-bottom:.9rem;color:var(--navy)}
.empty{color:var(--muted);padding:1rem 0;display:none}

/* band */
.band{background:linear-gradient(120deg,var(--navy),var(--ink));color:var(--on-dark)}
.band .wrap{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:1.5rem;padding-block:clamp(2.5rem,5vw,3.5rem)}
.band h2{font-size:clamp(1.6rem,3.2vw,2.3rem);font-weight:900;text-transform:uppercase;max-width:36rem}
.band p{color:var(--on-dark-muted);margin-top:.5rem;max-width:36rem}
.band .ctas{margin:0}
.final-cta{background:radial-gradient(700px 300px at 90% 0,rgba(192,112,14,.22),transparent 60%),var(--navy-2);color:var(--on-dark);border-top:4px solid var(--gold)}
.final-cta .wrap{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:1.5rem 3rem;padding-block:clamp(3rem,6vw,4.5rem)}
.final-cta h2{font-size:clamp(1.9rem,4vw,3rem);font-weight:900;text-transform:uppercase;max-width:40rem;margin-top:.6rem}
.final-cta .ctas{margin:0}

/* compare table */
.tbl-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r-lg);background:var(--paper)}
table.cmp{width:100%;border-collapse:collapse;min-width:760px;font-size:.97rem}
.cmp th{background:var(--navy);color:#fff;text-align:left;padding:.95rem 1rem;font:800 .74rem/1.2 var(--display);letter-spacing:.12em;text-transform:uppercase}
.cmp td{padding:.95rem 1rem;border-top:1px solid var(--line);vertical-align:top}
.cmp tr:nth-child(even) td{background:var(--paper-2)}
.cmp td:first-child{font-weight:800}
.cmp a{color:var(--gold-deep);font-weight:700;white-space:nowrap}

/* who we help */
.who{display:grid;grid-template-columns:repeat(auto-fill,minmax(min(100%,14rem),1fr));gap:.9rem}
.who a,.who div{display:flex;gap:.8rem;align-items:center;padding:1.05rem 1.1rem;border-radius:var(--r);background:var(--navy-2);border:1px solid var(--line-dark);text-decoration:none;font-weight:700;color:var(--on-dark);transition:border-color .2s}
.who a:hover{border-color:var(--gold-hi)}
.who svg{color:var(--gold-hi);flex:none}

/* IUL feature */
.iul-feature{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:clamp(2rem,5vw,4rem);align-items:center}
@media (max-width:900px){.iul-feature{grid-template-columns:minmax(0,1fr)}}
.uses{display:grid;grid-template-columns:1fr 1fr;gap:.6rem;margin:1.4rem 0 0;padding:0;list-style:none}
.uses li{display:flex;gap:.55rem;align-items:flex-start;font-weight:600}
@media (max-width:520px){.uses{grid-template-columns:minmax(0,1fr)}}

/* diagram (premium flow) */
.flow{background:var(--navy-2);border:1px solid var(--line-dark);border-radius:var(--r-lg);padding:1.5rem;display:grid;grid-template-columns:minmax(0,1fr);gap:.8rem;min-width:0}
.flow .node{display:block;padding:.9rem 1rem;border-radius:10px;background:var(--navy-3);color:var(--on-dark);font-weight:700}
.flow .node small{font-weight:400;color:var(--on-dark-muted);font-size:.85rem;display:block}
.flow .node.g{background:linear-gradient(90deg,rgba(192,112,14,.3),rgba(192,112,14,.1));border:1px solid rgba(232,164,68,.5)}
.flow .arrow{justify-self:center;color:var(--gold-hi);font-size:1.2rem;line-height:1}
.flow .split2{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:.6rem}
.flow .node.out{background:transparent;border:1px dashed var(--line-dark);font-weight:600}

/* simulator + calculator */
.tool{background:var(--paper);border:1px solid var(--line);border-radius:var(--r-lg);box-shadow:var(--shadow);overflow:hidden}
.tool-grid{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr)}
.tool-in{padding:clamp(1.3rem,3vw,2rem);display:grid;gap:1.1rem;align-content:start;border-right:1px solid var(--line)}
.tool-out{padding:clamp(1.3rem,3vw,2rem);background:var(--paper-2);display:grid;gap:1rem;align-content:start}
@media (max-width:900px){.tool-grid{grid-template-columns:minmax(0,1fr)}.tool-in{border-right:0;border-bottom:1px solid var(--line)}}
.rng{display:grid;gap:.35rem}
.rng .top{display:flex;justify-content:space-between;font-weight:700;font-size:.93rem}
.rng output{font-variant-numeric:tabular-nums;color:var(--gold-deep)}
input[type=range]{width:100%;accent-color:var(--gold);padding:0;border:0}
.bars{display:grid;grid-template-columns:repeat(10,minmax(0,1fr));gap:.4rem;align-items:end;height:220px;padding:1rem .5rem 0;position:relative;border-bottom:2px solid var(--navy)}
.bars .col{display:grid;grid-template-rows:1fr auto;height:100%;position:relative}
.bars .pair{display:flex;align-items:flex-end;justify-content:center;gap:2px;height:100%;position:relative}
.bars .b{width:44%;border-radius:4px 4px 0 0;transition:height .35s ease}
.bars .b.idx{background:#9DB0CF}
.bars .b.neg{background:#E8B3AC;align-self:flex-start}
.bars .b.cr{background:var(--gold)}
.bars .yr{text-align:center;font-size:.72rem;color:var(--muted);padding-top:.3rem}
.zero{position:absolute;left:0;right:0;border-top:1px dashed var(--muted)}
.legend{display:flex;flex-wrap:wrap;gap:.6rem 1.2rem;font-size:.86rem;color:var(--muted)}
.legend span{display:inline-flex;align-items:center;gap:.45rem}
.legend i{width:12px;height:12px;border-radius:3px;display:inline-block}
.kpis{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:.6rem}
.kpi{background:var(--paper);border:1px solid var(--line);border-radius:10px;padding:.8rem}
.kpi span{display:block;font-size:.78rem;color:var(--muted);font-weight:600}
.kpi b{font:800 1.3rem/1.2 var(--display);font-variant-numeric:tabular-nums}
@media (max-width:520px){.kpis{grid-template-columns:minmax(0,1fr)}}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:.9rem 1rem}
@media (max-width:560px){.calc-grid{grid-template-columns:minmax(0,1fr)}}
.money{position:relative}
.money::before{content:"$";position:absolute;left:.85rem;top:50%;transform:translateY(-50%);color:var(--muted);font-weight:600}
.money input{padding-left:1.7rem}
.result{background:var(--navy-2);color:var(--on-dark);border-radius:var(--r-lg);padding:1.5rem;display:grid;gap:.4rem}
.result .big{font:900 clamp(2.2rem,5vw,3.2rem)/1 var(--display);color:var(--gold-hi);font-variant-numeric:tabular-nums}
.breakdown{display:grid;gap:.35rem;font-size:.94rem}
.breakdown div{display:flex;justify-content:space-between;gap:1rem;border-bottom:1px solid var(--line);padding:.35rem 0}
.breakdown b{font-variant-numeric:tabular-nums}

/* forms */
.panel{background:var(--paper);border:1px solid var(--line);border-radius:var(--r-lg);padding:clamp(1.3rem,3vw,2.2rem);box-shadow:var(--shadow)}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:1rem 1.2rem}
.f{display:grid;gap:.35rem;min-width:0}
.f.full{grid-column:1/-1}
@media (max-width:600px){.form-grid{grid-template-columns:minmax(0,1fr)}}
label,.lbl{font-weight:700;font-size:.92rem}
.opt{font-weight:400;color:var(--muted)}
input,select,textarea{font:inherit;font-size:1rem;padding:.8rem .9rem;border:1px solid #C6CFDD;border-radius:10px;background:#fff;color:var(--text);width:100%;transition:border-color .15s,box-shadow .15s}
input:focus,select:focus,textarea:focus{outline:0;border-color:var(--gold);box-shadow:0 0 0 3px rgba(192,112,14,.2)}
textarea{min-height:6.5rem;resize:vertical}
.f.invalid input,.f.invalid select,.f.invalid textarea{border-color:var(--err);box-shadow:0 0 0 3px rgba(180,35,24,.12)}
.err{color:var(--err);font-size:.84rem;font-weight:600;display:none}
.f.invalid .err{display:block}
.consent{display:flex;gap:.7rem;align-items:flex-start;font-size:.82rem;color:var(--muted);font-weight:400;line-height:1.5;grid-column:1/-1}
.consent input{width:auto;margin-top:.25rem;flex:none;accent-color:var(--gold)}
.consent.invalid{color:var(--err)}
.form-note{grid-column:1/-1;padding:1rem 1.1rem;border-radius:10px;background:var(--paper-2);border:1px solid var(--line);font-size:.95rem}
.form-note.ok{background:#EAF6EF;border-color:#B7DFC8;color:#0F5134}
.form-note.bad{background:#FDECEA;border-color:#F4C2BC;color:#7A1A12}
.opts{display:grid;grid-template-columns:repeat(auto-fill,minmax(min(100%,13rem),1fr));gap:.6rem}
.opts.c2{grid-template-columns:1fr 1fr}
.opt-card{position:relative}
.opt-card input{position:absolute;opacity:0;inset:0;cursor:pointer}
.opt-card span{display:flex;align-items:center;gap:.6rem;padding:.95rem 1rem;border:1.5px solid var(--line);border-radius:12px;font-weight:700;font-size:.97rem;background:#fff;transition:border-color .15s,background .15s;height:100%}
.opt-card span svg{color:var(--gold);flex:none}
.opt-card input:checked+span{border-color:var(--gold);background:var(--gold-tint)}
.opt-card input:focus-visible+span{outline:3px solid var(--gold-hi);outline-offset:2px}
@media (max-width:420px){.opts.c2{grid-template-columns:minmax(0,1fr)}}

/* multi-step */
.ms{max-width:50rem;margin-inline:auto}
.ms-top{display:flex;justify-content:space-between;align-items:center;gap:1rem;margin-bottom:.8rem;font-size:.88rem;color:var(--muted);font-weight:600}
.progress{height:6px;background:var(--paper-3);border-radius:999px;overflow:hidden;margin-bottom:1.6rem}
.progress i{display:block;height:100%;width:0;background:linear-gradient(90deg,var(--gold),var(--gold-hi));transition:width .35s ease}
.step{display:none;animation:fade .3s ease}
.step.on{display:block}
@keyframes fade{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:none}}
.step h2{font-size:clamp(1.4rem,3vw,1.9rem);font-weight:800;margin-bottom:.4rem}
.step .sub{color:var(--muted);margin-bottom:1.3rem}
.ms-nav{display:flex;justify-content:space-between;gap:1rem;margin-top:1.6rem;flex-wrap:wrap}
.back{background:none;border:0;font:700 .95rem var(--body);color:var(--muted);cursor:pointer;padding:.8rem 0}
.back:hover{color:var(--text)}
.step.done:not(.on){display:none}
.steps.five{grid-template-columns:repeat(5,minmax(0,1fr))}
@media (max-width:1100px){.steps.five{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:560px){.steps.five{grid-template-columns:minmax(0,1fr)}}
.done{text-align:center;display:grid;gap:1rem;justify-items:center;padding:1rem 0}
.done .ic-ok{width:64px;height:64px;border-radius:50%;background:#EAF6EF;color:var(--ok);display:grid;place-items:center}
.secure{display:flex;align-items:center;gap:.5rem;font-size:.84rem;color:var(--muted);margin-top:1rem}
.drop-zone{border:2px dashed #C6CFDD;border-radius:12px;padding:1.2rem;text-align:center;color:var(--muted);font-size:.93rem;background:var(--paper-2)}
.drop-zone input{border:0;background:none;padding:.4rem 0;margin-top:.4rem}

/* contact */
.contact-list{display:grid;gap:1rem}
.contact-list .it{display:flex;gap:.9rem;align-items:flex-start}
.contact-list .ic{width:44px;height:44px;border-radius:11px;background:var(--navy);color:var(--gold-hi);display:grid;place-items:center;flex:none}
.contact-list .lbl{font:800 .72rem/1.4 var(--display);letter-spacing:.14em;text-transform:uppercase;color:var(--muted)}
.contact-list a,.contact-list .val{font-weight:700;color:var(--text);word-break:break-word;text-decoration:none}
.contact-list a:hover{color:var(--gold-deep)}

/* agents */
.agents{display:grid;grid-template-columns:repeat(auto-fill,minmax(min(100%,20rem),1fr));gap:1.3rem}
.agent{background:var(--paper);border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden;display:flex;flex-direction:column;transition:box-shadow .2s,transform .2s}
.agent:hover{box-shadow:var(--shadow);transform:translateY(-3px)}
.agent .ph{aspect-ratio:4/3.4;background:linear-gradient(160deg,var(--navy),var(--ink));display:grid;place-items:center;overflow:hidden}
.agent .ph img{width:100%;height:100%;object-fit:cover;object-position:50% 25%}
.ini{font:700 3.2rem/1 var(--brand);color:var(--gold-hi)}
.agent .bd{padding:1.3rem 1.4rem 1.5rem;display:grid;gap:.55rem;flex:1;align-content:start}
.agent h3{font-size:1.35rem;font-weight:800}
.role{font:800 .74rem/1.3 var(--display);letter-spacing:.14em;text-transform:uppercase;color:var(--gold-deep)}
.agent p{color:var(--muted);font-size:.96rem}
.meta{font-size:.88rem;color:var(--navy);font-weight:600}
.tags{display:flex;flex-wrap:wrap;gap:.35rem}
.tag{font:700 .74rem/1 var(--body);padding:.42rem .62rem;border-radius:999px;background:var(--paper-2);color:var(--navy);border:1px solid var(--line)}
.agent .acts{display:flex;gap:.5rem;flex-wrap:wrap;margin-top:.4rem}
.agent.join{background:var(--navy-2);border-color:var(--navy-2);color:var(--on-dark);justify-content:center}
.agent.join p{color:var(--on-dark-muted)}.agent.join .role{color:var(--gold-hi)}
.filters{display:flex;flex-wrap:wrap;gap:.8rem;margin-bottom:1.6rem}
.filters select{width:auto;min-width:12rem}
.profile{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:clamp(2rem,5vw,4rem);align-items:start}
.profile .photo{border-radius:var(--r-lg);overflow:hidden;background:linear-gradient(160deg,var(--navy),var(--ink));aspect-ratio:1;display:grid;place-items:center;box-shadow:var(--shadow)}
.profile .photo img{width:100%;height:100%;object-fit:cover}
.facts{display:grid;grid-template-columns:1fr 1fr;gap:.8rem;margin:1.2rem 0}
.facts div{background:var(--paper-2);border:1px solid var(--line);border-radius:10px;padding:.8rem 1rem}
.facts span{display:block;font:800 .7rem/1.3 var(--display);letter-spacing:.14em;text-transform:uppercase;color:var(--muted)}
.facts b{font-weight:700}
@media (max-width:900px){.profile{grid-template-columns:minmax(0,1fr)}.profile .photo{max-width:26rem}}
.staff{display:flex;gap:1rem;align-items:center;background:var(--paper);border:1px solid var(--line);border-radius:var(--r-lg);padding:1.1rem 1.3rem}
.staff .av{width:88px;height:88px;border-radius:50%;background:var(--navy);display:grid;place-items:center;flex:none;overflow:hidden}
.staff .av span{font:700 1.3rem/1 var(--brand);color:var(--gold-hi)}

/* map */
.map-grid{display:grid;grid-template-columns:minmax(0,1.3fr) minmax(0,.8fr);gap:clamp(1.5rem,4vw,3rem);align-items:start}
@media (max-width:900px){.map-grid{grid-template-columns:minmax(0,1fr)}}
.tiles{display:grid;grid-template-columns:repeat(11,minmax(0,1fr));gap:5px}
.t{aspect-ratio:1;display:grid;place-items:center;font:800 clamp(.55rem,1.3vw,.84rem)/1 var(--display);background:#E4E9F1;color:#8792A8;border-radius:6px;border:0;padding:0;cursor:default}
.t.on{background:var(--navy);color:#fff;cursor:pointer}
.t.life{background:var(--gold);color:#fff;cursor:pointer}
.t.res{background:var(--gold-hi);color:var(--ink);cursor:pointer;box-shadow:inset 0 0 0 2px var(--navy)}
.t.on:hover,.t.life:hover,.t.res:hover{transform:scale(1.08)}
.t[aria-pressed="true"]{outline:3px solid var(--ink);outline-offset:1px;transform:scale(1.08)}
.t{transition:transform .15s}
.state-panel{background:var(--paper);border:1px solid var(--line);border-radius:var(--r-lg);padding:1.4rem;box-shadow:var(--shadow);display:grid;gap:.8rem;position:sticky;top:100px}
.state-panel h3{font-size:1.5rem;font-weight:900;text-transform:uppercase}
.state-panel dl{display:grid;grid-template-columns:auto 1fr;gap:.45rem 1rem;margin:0;font-size:.95rem}
.state-panel dt{color:var(--muted);font-weight:600}
.state-panel dd{margin:0;font-weight:700}
.statelist{columns:3 12rem;column-gap:1.5rem;margin:0;padding:0;list-style:none;font-size:.95rem}
.statelist li{break-inside:avoid;padding:.45rem 0;border-bottom:1px solid var(--line);display:flex;justify-content:space-between;gap:.5rem}
.statelist small{color:var(--muted);font-variant-numeric:tabular-nums}

/* carriers */
.carrier-group{margin-top:2.2rem}
.carrier-group h3{font-size:1.1rem;font-weight:800;text-transform:uppercase;letter-spacing:.04em;margin-bottom:1rem;color:var(--navy);display:flex;gap:.6rem;align-items:center}
.carrier-group h3 small{font:600 .8rem var(--body);color:var(--muted);text-transform:none;letter-spacing:0}
.logos{display:grid;grid-template-columns:repeat(auto-fill,minmax(min(100%,15rem),1fr));gap:.8rem}
.logo-card{display:flex;align-items:center;gap:.9rem;min-height:5.2rem;background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:1rem 1.1rem;transition:border-color .2s}
.logo-card:hover{border-color:var(--gold)}
.logo-card .mono{width:44px;height:44px;border-radius:10px;background:var(--paper-2);border:1px solid var(--line);display:grid;place-items:center;font:800 .95rem/1 var(--display);color:var(--navy);flex:none}
.logo-card b{font-weight:700;font-size:.95rem;line-height:1.3}
.logo-card img{max-height:40px;width:auto}
.marquee{overflow:hidden;mask-image:linear-gradient(90deg,transparent,#000 10%,#000 90%,transparent)}
.marquee .track{display:flex;gap:2.8rem;width:max-content;animation:scroll 60s linear infinite}
.marquee span{font:800 1.05rem/1 var(--display);color:var(--on-dark-muted);white-space:nowrap}
@keyframes scroll{to{transform:translateX(-50%)}}
@media (prefers-reduced-motion:reduce){.marquee .track{animation:none;flex-wrap:wrap;width:auto}}

/* testimonials */
.tgrid{display:grid;grid-template-columns:repeat(auto-fill,minmax(min(100%,20rem),1fr));gap:1.2rem}
.tcard{background:var(--paper);border:1px solid var(--line);border-radius:var(--r-lg);padding:1.6rem;display:grid;gap:1rem}
.tcard blockquote{margin:0;font-size:1.05rem}
.tcard .who-t{font-size:.9rem;color:var(--muted)}
.t-empty{border:2px dashed var(--line);border-radius:var(--r-lg);padding:2rem;text-align:center;color:var(--muted);display:grid;gap:.6rem;justify-items:center}

/* articles */
.article-grid{display:grid;grid-template-columns:minmax(0,1fr) 18rem;gap:clamp(2rem,5vw,4rem);align-items:start}
@media (max-width:980px){.article-grid{grid-template-columns:minmax(0,1fr)}.article-grid aside{order:-1}}
.toc{background:var(--paper-2);border:1px solid var(--line);border-radius:var(--r);padding:1.1rem 1.2rem;position:sticky;top:100px}
.toc .dt{font:800 .72rem/1 var(--display);letter-spacing:.16em;text-transform:uppercase;color:var(--muted);margin-bottom:.7rem}
.toc ol{margin:0;padding-left:1.1rem;display:grid;gap:.4rem;font-size:.93rem}
.toc a{text-decoration:none;color:var(--text)}
.toc a:hover{color:var(--gold-deep)}
.ameta{display:flex;flex-wrap:wrap;gap:.4rem 1.2rem;color:var(--on-dark-muted);font-size:.92rem;margin-top:1rem}
.posts{display:grid;grid-template-columns:repeat(auto-fill,minmax(min(100%,21rem),1fr));gap:1.2rem}
.post{display:flex;flex-direction:column;gap:.7rem;background:var(--paper);border:1px solid var(--line);border-radius:var(--r-lg);padding:1.6rem;text-decoration:none;transition:border-color .2s,transform .2s}
.post:hover{border-color:var(--gold);transform:translateY(-3px)}
.post .cat{font:800 .72rem/1 var(--display);letter-spacing:.14em;text-transform:uppercase;color:var(--gold-deep)}
.post h3{font-size:1.3rem;font-weight:800}
.post p{color:var(--muted);font-size:.97rem;flex:1}
.post small{color:var(--muted)}
.cat-list{display:flex;flex-wrap:wrap;gap:.5rem}

/* compare cards (captive vs independent) */
.vs{display:grid;grid-template-columns:1fr 1fr;gap:1.2rem}
.vs>div{border:1px solid var(--line);border-radius:var(--r-lg);padding:1.6rem;background:var(--paper)}
.vs>div.us{border:2px solid var(--gold);background:var(--gold-tint)}
.vs h3{font-size:1.3rem;font-weight:800;margin-bottom:.8rem}
.vs ul{margin:0;padding-left:1.1rem;display:grid;gap:.45rem}
@media (max-width:700px){.vs{grid-template-columns:minmax(0,1fr)}}

/* IUL center sticky nav */
.iul-layout{display:grid;grid-template-columns:16rem minmax(0,1fr);gap:clamp(2rem,4vw,3.5rem);align-items:start}
@media (max-width:980px){.iul-layout{grid-template-columns:minmax(0,1fr)}.iul-layout .toc{position:static}}
.topic{padding-bottom:2.4rem;margin-bottom:2.4rem;border-bottom:1px solid var(--line);scroll-margin-top:100px}
.topic:last-child{border:0}
.topic .kicker{font:800 .72rem/1 var(--display);letter-spacing:.18em;text-transform:uppercase;color:var(--gold-deep);margin-bottom:.5rem}
.topic h2{font-size:clamp(1.5rem,3vw,2.1rem);font-weight:900;text-transform:uppercase;margin-bottom:1rem}
.mini-cmp{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:.8rem;margin-top:1rem}
.mini-cmp div{background:var(--paper-2);border:1px solid var(--line);border-radius:10px;padding:1rem}
.mini-cmp b{display:block;font-family:var(--display);font-weight:800;margin-bottom:.3rem}
.mini-cmp span{font-size:.93rem;color:var(--muted)}
@media (max-width:700px){.mini-cmp{grid-template-columns:minmax(0,1fr)}}
.myth{display:grid;gap:.3rem;padding:1rem 1.1rem;border-radius:10px;background:var(--paper-2);border:1px solid var(--line)}
.myth .m{font-weight:800}
.myth .m::before{content:"Myth: ";color:var(--err)}
.myth .f::before{content:"Reality: ";font-weight:800;color:var(--ok)}
.fund{display:grid;gap:.6rem;margin-top:1rem}
.fund .bar{display:grid;grid-template-columns:8rem 1fr;gap:.8rem;align-items:center;font-size:.9rem;font-weight:600}
.fund .bar i{display:block;height:26px;border-radius:6px;background:linear-gradient(90deg,var(--navy) var(--c),var(--gold) var(--c));position:relative}
.fund .key{display:flex;gap:1.2rem;font-size:.85rem;color:var(--muted)}
.fund .key i{display:inline-block;width:12px;height:12px;border-radius:3px;margin-right:.35rem;vertical-align:-1px}

/* client center tiles */
.svc{display:grid;grid-template-columns:repeat(auto-fill,minmax(min(100%,16rem),1fr));gap:1rem}
.svc button,.svc a{display:flex;flex-direction:column;align-items:flex-start;gap:.5rem;text-align:left;background:var(--paper);border:1px solid var(--line);border-radius:var(--r-lg);padding:1.3rem;font:inherit;color:var(--text);cursor:pointer;text-decoration:none;transition:border-color .2s,box-shadow .2s}
.svc button:hover,.svc a:hover{border-color:var(--gold);box-shadow:var(--shadow)}
.svc .ic{width:42px;height:42px;border-radius:10px;background:var(--navy);color:var(--gold-hi);display:grid;place-items:center}
.svc b{font-size:1.05rem}
.svc span{font-size:.9rem;color:var(--muted)}

/* legal */
.legal-doc{max-width:48rem}
.legal-doc h2{font-size:1.35rem;font-weight:800;margin-top:1.8rem}
.draft{background:#FFF7EA;border:1px solid #F1D5AE;border-radius:10px;padding:.9rem 1.1rem;font-size:.92rem;color:#6b4712;margin-bottom:1.5rem}

/* schedule embed */
.embed{border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden;background:var(--paper);min-height:720px}
.embed iframe{width:100%;height:760px;border:0;display:block}

/* footer */
footer.site{background:var(--ink);color:var(--on-dark-muted);font-size:.93rem}
footer.site .top{display:grid;grid-template-columns:minmax(0,1.4fr) repeat(4,minmax(0,1fr));gap:2rem;padding-block:3.5rem 2.5rem}
.fh{font:800 .78rem/1 var(--display);letter-spacing:.18em;text-transform:uppercase;color:var(--on-dark);margin-bottom:1rem}
footer.site ul{list-style:none;padding:0;margin:0;display:grid;gap:.5rem}
footer.site a{text-decoration:none}
footer.site a:hover{color:var(--on-dark)}
.fbrand{display:grid;gap:1rem;align-content:start}
.logo-badge{background:#fff;border-radius:12px;padding:.7rem;width:120px}
.social{display:flex;gap:.9rem;margin-top:1rem;flex-wrap:wrap}
.legal{display:flex;flex-wrap:wrap;gap:.5rem 1.3rem;border-top:1px solid var(--line-dark);padding-block:1.3rem;font-size:.86rem}
.fine{border-top:1px solid var(--line-dark);padding-block:1.3rem 2rem;font-size:.8rem;display:grid;gap:.6rem}
@media (max-width:980px){footer.site .top{grid-template-columns:1fr 1fr}.fbrand{grid-column:1/-1}}
@media (max-width:520px){footer.site .top{grid-template-columns:minmax(0,1fr)}}

/* mobile sticky CTA */
.m-cta{display:none}
@media (max-width:760px){
  .m-cta{display:grid;grid-template-columns:1fr 1fr;gap:.5rem;position:fixed;left:0;right:0;bottom:0;z-index:70;padding:.6rem .75rem calc(.6rem + env(safe-area-inset-bottom));background:rgba(5,11,26,.96);border-top:1px solid var(--line-dark);transform:translateY(110%);transition:transform .25s}
  .m-cta.show{transform:none}
  .m-cta .btn{padding:.85rem .5rem;font-size:.78rem}
  body{padding-bottom:0}
  footer.site{padding-bottom:4.5rem}
}

/* reveal */
.js .reveal{opacity:0;transform:translateY(14px);transition:opacity .6s ease,transform .6s ease}
.js .reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.js .reveal{opacity:1;transform:none;transition:none}}
.step.done.on{display:grid}
.tight-hero{padding-block:clamp(2.5rem,5vw,3.5rem)}
.stat .todo{font-size:.8rem}
.hero-video{background:#000;border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--shadow-lg);border:1px solid var(--line-dark)}
.hero-video video{display:block;width:100%;aspect-ratio:16/9;background:#000}
.hero-video .vcap{background:var(--navy-2);color:var(--on-dark-muted);font-size:.85rem;padding:.6rem .9rem}
@media (max-width:560px){.btn{white-space:normal;text-align:center;line-height:1.25}}
.sec.dark .prose{color:var(--on-dark-muted)}
.sec.dark .prose strong,.sec.dark .prose h2,.sec.dark .prose h3{color:var(--on-dark)}
.sec.dark .prose a{color:var(--gold-hi)}
.band .hl{color:var(--gold-hi)}

/* carrier logos + dialog */
.c-filter{display:flex;flex-wrap:wrap;gap:.5rem;margin:1.6rem 0 1.2rem}
.c-filter button{font:700 .88rem/1 var(--body);padding:.6rem 1rem;border-radius:999px;border:1.5px solid var(--line);background:var(--paper);color:var(--navy);cursor:pointer}
.c-filter button small{color:var(--muted);font-weight:600;margin-left:.2rem}
.c-filter button.on{background:var(--navy);border-color:var(--navy);color:#fff}
.c-filter button.on small{color:rgba(255,255,255,.7)}
.c-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(min(100%,15.5rem),1fr));gap:1rem}
.c-card{position:relative;display:grid;grid-template-rows:auto 1fr auto;gap:.8rem;background:var(--paper);border:1px solid var(--line);border-radius:var(--r-lg);padding:1.1rem 1.1rem 1rem;text-decoration:none;color:var(--text);transition:border-color .2s,box-shadow .2s,transform .2s}
.c-card:hover,.c-card:focus-visible{border-color:var(--gold);box-shadow:var(--shadow);transform:translateY(-2px)}
.c-card[hidden]{display:none}
.c-logo{display:flex;align-items:center;justify-content:center;height:84px;border-radius:10px;background:#fff;padding:.6rem .8rem}
.c-logo img{max-height:62px;max-width:100%;width:auto;height:auto;object-fit:contain}
.c-logo.lg{height:110px}.c-logo.lg img{max-height:84px;max-width:min(100%,300px)}
.c-wm{font:900 1.15rem/1.1 var(--display);color:var(--navy);text-align:center;letter-spacing:-.01em}
.c-meta{display:grid;gap:.15rem;padding-right:3.4rem}
.c-meta b{font:800 1.02rem/1.2 var(--display);color:var(--navy)}
.c-meta small{color:var(--muted);font-size:.85rem}
.c-more{font:800 .74rem/1 var(--display);letter-spacing:.12em;text-transform:uppercase;color:var(--gold-deep)}
.amb{display:inline-grid;justify-items:center;align-content:center;min-width:3rem;padding:.35rem .45rem;border-radius:10px;background:var(--gold-tint);border:1px solid #F0D3A8;color:var(--gold-deep);line-height:1}
.amb b{font:900 1.15rem/1 var(--display)}
.amb i{font:700 .56rem/1 var(--body);font-style:normal;letter-spacing:.06em;text-transform:uppercase;margin-top:.2rem;color:var(--gold-deep)}
.c-card .amb{position:absolute;right:1rem;top:calc(84px + 1.9rem)}
.c-detail{display:none}
.c-dlg{border:0;border-radius:var(--r-lg);padding:0;width:min(640px,calc(100vw - 32px));max-height:calc(100dvh - 32px);box-shadow:var(--shadow-lg);color:var(--text)}
.c-dlg::backdrop{background:rgba(5,11,26,.6);backdrop-filter:blur(2px)}
.c-dlg-body{padding:1.6rem clamp(1.1rem,4vw,2rem) 1.8rem;display:grid;gap:1rem}
.c-dlg-body .cd-head{background:var(--paper-2);border-radius:var(--r);padding:.4rem}
.c-dlg-body .cd-head .c-logo{background:transparent}
.cd-title{font-size:clamp(1.5rem,4vw,1.9rem);font-weight:900;color:var(--navy)}
.cd-rating{display:flex;gap:.9rem;align-items:center;background:var(--gold-tint);border-radius:var(--r);padding:.75rem .9rem}
.cd-rating .amb{background:#fff}
.cd-rating div{display:grid;gap:.15rem}
.cd-rating small{color:var(--muted);font-size:.84rem}
.cd-rating a{color:var(--gold-deep)}
.cd-cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,14rem),1fr));gap:1rem}
.cd-cols h3{font:800 .76rem/1.2 var(--display);letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin-bottom:.45rem}
.cd-list{margin:0;padding:0;list-style:none;display:grid;gap:.35rem;font-size:.95rem}
.cd-list li{padding-left:1.1rem;position:relative}
.cd-list li:before{content:"";position:absolute;left:0;top:.55em;width:.45rem;height:.45rem;border-radius:50%;background:var(--gold)}
.cd-note{font-size:.88rem;color:var(--muted);margin:0}
.c-dlg .ctas{display:flex;flex-wrap:wrap;gap:.6rem}
.c-x{position:sticky;top:.6rem;float:right;margin:.6rem .6rem 0 0;width:2.4rem;height:2.4rem;border-radius:50%;border:1px solid var(--line);background:#fff;font-size:1rem;cursor:pointer;color:var(--navy);z-index:2}
.c-x:hover{border-color:var(--gold)}
.amb-scale{display:grid;gap:.7rem}
.amb-scale>div{display:grid;grid-template-columns:6.2rem 1fr;gap:.1rem 1rem;align-items:baseline;background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:.9rem 1.1rem}
.amb-scale b{font:900 1.3rem/1 var(--display);color:var(--navy);grid-row:span 2}
.amb-scale span{font-weight:800;color:var(--gold-deep)}
.amb-scale p{margin:0;color:var(--muted);font-size:.93rem}
.amb-scale .small{font-size:.82rem;color:var(--muted);margin:.2rem 0 0}
.carrier-band{background:var(--paper)}
.cb-h{text-align:center;font-size:clamp(1.35rem,3vw,1.9rem);font-weight:900;color:var(--navy);margin:0 auto 1.6rem;max-width:40rem}
.logos-m .track{gap:1rem;animation-duration:70s}
.logos-m:hover .track{animation-play-state:paused}
.m-logo{flex:none;text-decoration:none;display:flex;align-items:center;justify-content:center;width:190px;height:88px;padding:.8rem 1.1rem;background:#fff;border:1px solid var(--line);border-radius:var(--r);transition:border-color .2s,box-shadow .2s}
.m-logo:hover{border-color:var(--gold);box-shadow:var(--shadow)}
.m-logo img{max-height:56px;max-width:100%;width:auto;height:auto;object-fit:contain}
.m-logo .c-wm{font-size:1rem}
@media (prefers-reduced-motion:reduce){.logos-m .track{justify-content:center}.logos-m .m-logo[aria-hidden]{display:none}}

/* ===== polish pass (Sept 30) ===== */
.menu-call{display:none}
@media (max-width:760px){.util{display:none}}
@media (max-width:1100px){.menu-call{display:block}.menu-call a{display:block;padding:.9rem 0;font-weight:700;color:var(--gold-hi);text-decoration:none}}
.hero-card .k{white-space:nowrap}
.hero-card .v{text-wrap:balance}
.consent input{width:22px;height:22px;margin-top:.05rem}
.fcol summary{list-style:none;cursor:default}
.fcol summary::-webkit-details-marker{display:none}
@media (max-width:760px){
  footer.site .top{gap:0}
  .fbrand{margin-bottom:1.4rem}
  .fcol{border-top:1px solid var(--line-dark)}
  .fcol summary{cursor:pointer;display:flex;justify-content:space-between;align-items:center;padding:1rem 0;margin:0}
  .fcol summary::after{content:"+";font:400 1.3rem/1 var(--body);color:var(--gold-hi)}
  .fcol[open] summary::after{content:"–"}
  .fcol ul{padding-bottom:1rem}
}
@media (max-width:700px){
  table.cmp.stack{min-width:0}
  .cmp.stack thead{display:none}
  .cmp.stack,.cmp.stack tbody,.cmp.stack tr,.cmp.stack td{display:block;width:100%}
  .cmp.stack tr{border-top:1px solid var(--line);padding:.9rem 1rem}
  .cmp.stack tr:first-child{border-top:0}
  .cmp.stack tr:nth-child(even) td{background:transparent}
  .cmp.stack td{border:0;padding:.2rem 0}
  .cmp.stack td.rh{font:800 1.05rem/1.3 var(--display);color:var(--navy);padding-bottom:.4rem}
  .cmp.stack td[data-l]::before{content:attr(data-l) ": ";font-weight:700;color:var(--muted)}
  .cmp.stack td.lnk{padding-top:.4rem}
  .tbl-wrap{overflow:visible}
}
@media (max-width:640px){.who{grid-template-columns:repeat(2,minmax(0,1fr));gap:.6rem}.who a,.who div{padding:.8rem .8rem;font-size:.92rem;gap:.55rem}}
@media (max-width:640px){
  .c-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:.6rem}
  .c-card{padding:.7rem .7rem .8rem;gap:.5rem;border-radius:var(--r)}
  .c-logo{height:64px;padding:.4rem}
  .c-logo img{max-height:46px}
  .c-meta{padding-right:0}
  .c-meta b{font-size:.9rem}
  .c-meta small{font-size:.78rem}
  .c-card .amb{position:static;justify-self:start;min-width:0;padding:.25rem .4rem;display:inline-flex;gap:.3rem;align-items:baseline}
  .c-card .amb b{font-size:.95rem}
  .c-card .amb i{margin:0}
  .c-more{display:none}
  .c-filter{flex-wrap:nowrap;overflow-x:auto;padding-bottom:.3rem;scrollbar-width:none}
  .c-filter button{flex:none}
}
.c-logo img{max-width:88%}
.more-lic summary{cursor:pointer;font-weight:700;color:var(--gold-deep);padding:.6rem 0;list-style:none}
.more-lic summary::-webkit-details-marker{display:none}
.more-lic summary::before{content:"+ "}
.more-lic[open] summary::before{content:"– "}
.facts{grid-template-columns:repeat(auto-fit,minmax(min(100%,10rem),1fr))}
.facts b{overflow-wrap:anywhere}
@media (max-width:560px){.map-grid{display:none}}
.facts a[href^="tel"]{white-space:nowrap}
.mini-cmp.c2{grid-template-columns:repeat(2,minmax(0,1fr))}
@media (max-width:700px){.mini-cmp.c2{grid-template-columns:minmax(0,1fr)}}
.mini-cmp ul{margin:0;padding-left:1.1rem;display:grid;gap:.25rem;font-size:.93rem;color:var(--muted)}
.prose a.btn-navy,.prose a.btn-gold{color:#fff;text-decoration:none}
.bars .yr{white-space:nowrap}
@media (max-width:560px){.bars .yr{font-size:.6rem}}
input[type=file]{font:inherit;font-size:.9rem;color:var(--muted);max-width:100%}
input[type=file]::file-selector-button{font:700 .82rem/1 var(--display);letter-spacing:.06em;text-transform:uppercase;background:var(--navy);color:#fff;border:0;border-radius:999px;padding:.7rem 1.1rem;margin-right:.8rem;cursor:pointer}
.toc-d summary{list-style:none;cursor:pointer}
.toc-d summary::-webkit-details-marker{display:none}
@media (max-width:980px){.toc-d summary{display:flex;justify-content:space-between}.toc-d summary::after{content:"+";font-size:1.2rem}.toc-d[open] summary::after{content:"–"}}
.yrs{position:relative}
.yrs::after{content:"years";position:absolute;right:.9rem;top:50%;transform:translateY(-50%);color:var(--muted);font-weight:600;pointer-events:none}
@media (max-width:640px){
  .pills{flex-wrap:nowrap;overflow-x:auto;width:100%;padding-bottom:.3rem;scrollbar-width:none;margin-inline:-.1rem}
  .pill{flex:none;padding:.65rem 1rem}
}
/* compact cards on phones */
@media (max-width:640px){
  .cards,.cards.c4{gap:.7rem}
  .pcard{display:grid;grid-template-columns:40px minmax(0,1fr) 18px;column-gap:.9rem;row-gap:.2rem;align-items:center;padding:1rem 1rem}
  .pcard .ic{width:40px;height:40px;border-radius:10px;grid-row:1/3}
  .pcard .ic svg{width:20px;height:20px}
  .pcard h3{font-size:1.05rem;grid-column:2}
  .pcard p{font-size:.88rem;grid-column:2;line-height:1.45}
  .pcard .more{grid-column:3;grid-row:1/3;font-size:0;gap:0}
  .pcard .more svg{width:18px;height:18px}
  .feats{gap:.7rem}
  .feat{grid-template-columns:36px minmax(0,1fr);column-gap:.85rem;row-gap:.15rem;padding:1rem}
  .feat .ic{width:36px;height:36px;border-radius:9px;grid-row:1/3}
  .feat .ic svg{width:18px;height:18px}
  .feat h3{font-size:1rem;align-self:end}
  .feat p{font-size:.9rem;grid-column:2}
  .steps{gap:.6rem}
  .steps li{grid-template-columns:44px minmax(0,1fr);column-gap:.7rem;row-gap:.1rem;padding:1rem}
  .steps li::before{font-size:1.5rem;grid-row:1/3}
  .steps h3{font-size:1rem}
  .steps p{font-size:.9rem;grid-column:2}
  .chips{grid-template-columns:repeat(2,minmax(0,1fr))!important}
  .chip{font-size:.86rem}
  .home-hero .h-copy .ctas{display:none}
  .stats .wrap{grid-template-columns:repeat(2,minmax(0,1fr))}
  .disc p:not(.dt){font-size:.82rem}
}
.fineprint{font-size:.82rem;color:var(--muted);margin-top:1.2rem;max-width:60rem}
.facts b{overflow-wrap:break-word}
.facts div:has(a[href^="mailto"]){grid-column:1/-1}
.disc p+p{margin-top:.7rem}
@media (min-width:761px){.fcol summary{display:block;white-space:nowrap;line-height:1}}