@import url('https://fonts.googleapis.com/css2?family=Nunito+Sans:opsz,wght@6..12,300;6..12,400;6..12,600;6..12,700&display=swap');
:root{
  --bg:#111827; --card:#1a2335; --lift:#212d42; --deep:#0a1018;
  --gold:#c8a96e; --sage:#7fa882; --white:#f5f5f0; --soft:#c8c4bc; --body:#b3b8c2;
  --line:rgba(255,255,255,.09);
  --font:"Avenir Next","Avenir","Nunito Sans","Century Gothic","Trebuchet MS",sans-serif;
  --wrap:1120px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--body);font-family:var(--font);font-size:1.0625rem;line-height:1.7;-webkit-font-smoothing:antialiased}
a{color:var(--gold);text-underline-offset:3px}
a:hover{color:var(--white)}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px}
img{max-width:100%}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-999px;top:0;background:var(--gold);color:var(--deep);padding:8px 14px;z-index:99}
.skip:focus{left:12px;top:12px}
h1,h2,h3{color:var(--white);font-weight:600;line-height:1.2;letter-spacing:-.01em;margin:0 0 .6em}
h1{font-size:clamp(2rem,4.2vw,3.1rem)}
h2{font-size:clamp(1.6rem,3vw,2.25rem)}
h3{font-size:1.2rem}
p{margin:0 0 1.1em;max-width:68ch}
.lede{font-size:1.2rem;color:var(--soft);font-weight:300}
.kicker{color:var(--gold);font-size:.95rem;font-weight:600;margin-bottom:.8em;display:block}

/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(17,24,39,.94);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:80px}
.brand{text-decoration:none;color:var(--soft);display:flex;align-items:center;gap:14px;line-height:1.25;padding:8px 0}
.brand img{height:56px;width:auto;display:block}
.brand span{font-size:.78rem;border-left:1px solid var(--line);padding-left:14px}
@media (max-width:520px){.brand span{display:none}.brand img{height:48px}}
.nav{display:flex;align-items:center;gap:22px}
.nav a{color:var(--soft);text-decoration:none;font-size:.95rem}
.nav a:hover,.nav a[aria-current=page]{color:var(--white)}
.nav a[aria-current=page]{box-shadow:0 2px 0 var(--gold)}
.btn{display:inline-block;background:var(--gold);color:var(--deep)!important;text-decoration:none;font-weight:700;padding:12px 22px;border-radius:3px;border:1px solid var(--gold);font-size:.98rem}
.btn:hover{background:var(--white);border-color:var(--white)}
.btn.ghost{background:transparent;color:var(--white)!important;border-color:rgba(245,245,240,.35)}
.btn.ghost:hover{border-color:var(--gold);color:var(--gold)!important}
.nav .btn{padding:9px 16px;box-shadow:none}
.menu-toggle{display:none;background:none;border:1px solid var(--line);color:var(--white);padding:8px 12px;border-radius:3px;font:inherit}
@media (max-width:980px){
  .menu-toggle{display:block}
  .nav{display:none;position:absolute;top:80px;left:0;right:0;flex-direction:column;align-items:flex-start;background:var(--deep);padding:20px 24px 28px;gap:16px;border-bottom:1px solid var(--line)}
  .nav.open{display:flex}
}

/* hero */
.hero{padding:clamp(64px,10vw,128px) 0 clamp(56px,8vw,96px);border-bottom:1px solid var(--line)}
.hero h1{font-size:clamp(1.05rem,1.6vw,1.2rem);color:var(--gold);font-weight:600;letter-spacing:0;margin-bottom:2.2rem;max-width:44ch}
.tales{margin:0 0 2.4rem;padding:0;list-style:none}
.tales li{font-size:clamp(1.9rem,5.2vw,4rem);font-weight:300;line-height:1.12;letter-spacing:-.025em;color:rgba(245,245,240,.38)}
.tales li:nth-child(2){color:rgba(245,245,240,.62)}
.tales li:nth-child(3){color:var(--white);font-weight:600;position:relative;display:inline-block}
.tales li:nth-child(3)::after{content:"";position:absolute;left:0;bottom:-.12em;height:3px;width:100%;background:var(--gold);transform-origin:left;animation:draw 1.1s .9s cubic-bezier(.6,0,.2,1) both}
.tales li{animation:rise .8s both}
.tales li:nth-child(2){animation-delay:.25s}.tales li:nth-child(3){animation-delay:.5s}
@keyframes rise{from{opacity:0;transform:translateY(12px)}to{opacity:1;transform:none}}
@keyframes draw{from{transform:scaleX(0)}to{transform:scaleX(1)}}
@media (prefers-reduced-motion:reduce){.tales li,.tales li::after{animation:none}}
.hero .lede{max-width:58ch}
.actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:1.8rem}
.facts{display:flex;flex-wrap:wrap;gap:10px 28px;margin-top:2.6rem;padding:0;list-style:none;font-size:.95rem;color:var(--soft)}
.facts li::before{content:"";display:inline-block;width:6px;height:6px;border-radius:50%;background:var(--sage);margin-right:10px;vertical-align:middle}

/* sections */
section{padding:clamp(64px,8vw,104px) 0}
.alt{background:var(--card)}
.deep{background:var(--deep)}
.split{display:grid;grid-template-columns:5fr 7fr;gap:clamp(32px,6vw,80px);align-items:start}
@media (max-width:860px){.split{grid-template-columns:1fr}}
.pillars{display:grid;grid-template-columns:1fr 1fr;gap:2px;margin-top:2.4rem;background:var(--line)}
@media (max-width:760px){.pillars{grid-template-columns:1fr}}
.pillar{background:var(--bg);padding:clamp(28px,4vw,44px)}
.alt .pillar{background:var(--card)}
.pillar > p{color:var(--soft)}
.spec{display:block;text-decoration:none;border-top:1px solid var(--line);padding:20px 0}
.spec h3{margin:0 0 .3em;transition:color .15s}
.spec p{margin:0;color:var(--body);font-size:.98rem}
.spec:hover h3{color:var(--gold)}
.spec .more{display:inline-block;margin-top:.5em;color:var(--gold);font-size:.92rem;font-weight:600}
.diffs{display:grid;gap:0}
.diff{border-left:2px solid var(--gold);padding:4px 0 4px 22px;margin-bottom:28px}
.diff h3{margin-bottom:.35em}
.diff p{margin:0}
.steps{counter-reset:s;list-style:none;padding:0;margin:0}
.steps li{counter-increment:s;position:relative;padding:0 0 30px 64px}
.steps li::before{content:counter(s);position:absolute;left:0;top:-4px;font-size:2rem;font-weight:300;color:var(--gold);width:44px}
.steps h3{margin-bottom:.3em}
.note{border-left:3px solid var(--sage);background:var(--lift);padding:20px 24px;margin:0 0 20px;border-radius:0 3px 3px 0}
.note h3{font-size:1.05rem;margin-bottom:.35em}
.note p{margin:0}
.callout{border:1px solid rgba(200,169,110,.35);padding:28px 30px;border-radius:3px;margin:2rem 0}
.callout p{color:var(--soft);margin:0}
.plain-list{padding-left:1.2em;max-width:66ch}
.plain-list li{margin-bottom:.5em}
.cta-band .wrap{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center}
@media (max-width:860px){.cta-band .wrap{grid-template-columns:1fr}}
.cta-band h2{margin:0}
details{border-top:1px solid var(--line);padding:18px 0}
details:last-of-type{border-bottom:1px solid var(--line)}
summary{cursor:pointer;color:var(--white);font-weight:600;font-size:1.08rem;list-style:none;display:flex;justify-content:space-between;gap:20px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";color:var(--gold);font-weight:300;font-size:1.4rem;line-height:1}
details[open] summary::after{content:"\2212"}
details p{margin:.8em 0 0}
.page-head{padding:clamp(56px,8vw,96px) 0 clamp(36px,5vw,56px);border-bottom:1px solid var(--line)}
.page-head .lede{max-width:60ch}
.prose h2{margin-top:1.6em}
.prose h2:first-child{margin-top:0}
.insurers{list-style:none;padding:0;margin:0 0 1.5rem;border-top:1px solid var(--line)}
.insurers li{display:flex;justify-content:space-between;gap:16px;padding:14px 0;border-bottom:1px solid var(--line);color:var(--white)}
.insurers span{color:var(--sage);font-size:.9rem;font-weight:600}
.contact-big{font-size:clamp(1.6rem,3.4vw,2.4rem);font-weight:600;color:var(--white);text-decoration:none;display:inline-block;margin-bottom:.2em}

/* footer */
footer{background:var(--deep);padding:64px 0 32px;font-size:.95rem;border-top:1px solid var(--line)}
.foot{display:grid;grid-template-columns:2fr 1fr 1.3fr;gap:40px}
@media (max-width:860px){.foot{grid-template-columns:1fr}}
footer h2{font-size:1rem;color:var(--white);margin-bottom:.8em}
footer ul{list-style:none;padding:0;margin:0}
footer li{margin-bottom:.45em}
footer a{color:var(--soft);text-decoration:none}
footer a:hover{color:var(--gold)}
.crisis{margin-top:48px;padding-top:24px;border-top:1px solid var(--line);color:var(--soft);font-size:.9rem}
.crisis strong{color:var(--white)}
.legal{color:#8a909b;font-size:.85rem;margin-top:12px}

.hero{padding-top:clamp(48px,7vw,88px);padding-bottom:0;overflow:hidden}
.hero-grid{display:grid;grid-template-columns:minmax(0,7fr) minmax(0,5fr);gap:clamp(24px,4vw,56px);align-items:end}
.hero-grid > div{padding-bottom:clamp(56px,8vw,96px)}
.hero-photo{margin:0;position:relative;align-self:stretch;min-height:520px}
.hero-photo img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:50% 12%;display:block}
.hero-photo::after{content:"";position:absolute;inset:0;background:linear-gradient(to right,var(--bg) 0%,rgba(17,24,39,0) 22%),linear-gradient(to top,var(--bg) 0%,rgba(17,24,39,0) 18%)}
.hero .tales li{font-size:clamp(1.9rem,4.4vw,3.5rem)}
@media (max-width:900px){.hero-grid{grid-template-columns:1fr}.hero-grid > div{padding-bottom:0}.hero-photo{min-height:0;height:440px;margin:0 -24px}.hero-photo img{object-position:50% 8%}}
.about-photo{width:100%;height:auto;display:block;border-radius:3px}