.insurance-hero{background:var(--cream);border-block:1px solid var(--line);padding:60px 0 58px}
.insurance-hero h1{max-width:900px;font-size:clamp(40px,4.5vw,60px);text-wrap:balance}
.insurance-lead{max-width:720px;color:var(--body);font-size:19px;line-height:1.8;margin-top:24px}
.insurance-tag{display:flex;align-items:center;gap:10px;margin-top:27px;font-size:var(--text-support);font-weight:650;color:var(--gold-dark)}
.insurance-tag .icon{width:20px;height:20px}
.insurance-grid{display:grid;grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr);gap:80px;align-items:start}
.insurance-guide h2{font-size:36px;max-width:420px;line-height:1.2}
.insurance-guide>p{margin-top:20px;color:var(--body)}
.insurance-guide ol{list-style:none;counter-reset:insurance-step;padding:0;margin:32px 0}
.insurance-guide li{position:relative;padding:24px 0 24px 48px;border-top:1px solid var(--line);counter-increment:insurance-step}
.insurance-guide li:before{content:counter(insurance-step,decimal-leading-zero);position:absolute;top:25px;left:0;font-size:var(--text-strong);color:var(--gold);font-weight:700}
.insurance-guide h3{font-size:22px;line-height:1.35;margin-bottom:10px}
.insurance-guide li p{color:var(--body);line-height:1.8}
.insurance-guide .insurance-guide-note{background:var(--cream);border-left:2px solid var(--gold);padding:20px 22px;font-size:var(--text-support);line-height:1.8}
.insurance-tool{min-width:0;border:1px solid var(--line);border-top:3px solid var(--gold);background:#fff}
#insurance-form{padding:32px}
#insurance-form h2{font-size:30px;line-height:1.25}
.insurance-tool-intro{color:var(--body);margin-top:14px;margin-bottom:27px}
#insurance-form fieldset{border:0;padding:0;margin:0;min-width:0}
#insurance-form legend{font-size:var(--text-support);line-height:1.6;color:var(--gold-dark);font-weight:750;letter-spacing:.03em;max-width:100%;padding:0}
#insurance-form .insurance-income{padding-top:25px;margin-top:30px;border-top:1px solid var(--line)}
.insurance-income-fields{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.insurance-income-fields .insurance-field{margin-top:20px;min-width:0}
.insurance-form-error{color:#9c3427;background:#fff5f1;border-left:3px solid #9c3427;padding:14px 16px;font-size:var(--text-support);line-height:1.7;margin-bottom:24px}
.insurance-field{margin-top:24px}
.insurance-field>label{display:block;font-size:var(--text-ui);font-weight:700;line-height:1.6;margin-bottom:9px}
.insurance-field input[type=number]{display:block;width:100%;min-width:0;min-height:54px;border:1px solid #aeada7;border-radius:0;font:inherit;font-size:var(--text-ui);line-height:1.5;color:var(--ink);background:#fff;padding:13px 15px}
.insurance-money{position:relative}
.insurance-money>span{position:absolute;inset:0 auto 0 15px;display:flex;align-items:center;color:var(--body);pointer-events:none}
.insurance-money input[type=number]{padding-left:34px}
.insurance-hours input[type=number]{padding-left:15px}
.insurance-field input:focus-visible{outline:3px solid var(--gold);outline-offset:3px}
.insurance-field input[aria-invalid=true]{border-color:#a13e2e}
.insurance-help{font-size:var(--text-support);line-height:1.7;color:var(--body);margin-top:10px}
#insurance-amount-hint{margin-top:14px}
.insurance-field-error{color:#9c3427;font-size:var(--text-support);line-height:1.6;margin-top:8px}
.insurance-actions{display:flex;align-items:center;flex-wrap:wrap;gap:18px 25px;margin-top:27px}
.insurance-actions .button{gap:15px;padding:15px 20px;cursor:pointer}
.insurance-actions .button:disabled{opacity:.65;cursor:not-allowed;transform:none}
.insurance-reset{border:0;border-bottom:1px solid var(--body);padding:7px 0;background:none;color:var(--body);cursor:pointer;font-size:var(--text-ui)}
.insurance-reset:hover{color:var(--gold)}
.insurance-result{background:var(--ink);color:#fff;padding:32px;scroll-margin-top:120px}
.insurance-result:focus-visible{outline:3px solid var(--gold);outline-offset:5px}
.insurance-result .eyebrow{margin-bottom:18px}
.insurance-result h3{font-size:22px;line-height:1.4;letter-spacing:-.02em}
.insurance-result-value{font-size:clamp(38px,4vw,54px);font-weight:550;line-height:1.2;letter-spacing:-.04em;margin-top:10px;overflow-wrap:anywhere}
.insurance-result-story{font-size:var(--text-support);line-height:1.85;margin-top:17px;color:#e1e2dc}
.insurance-result-breakdown{padding-top:24px;margin-top:26px;border-top:1px solid #454640}
.insurance-result-breakdown h3{font-size:20px;margin-bottom:14px}
.insurance-result dl{margin:0}
.insurance-result dl>div{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:18px;border-bottom:1px solid #3b3d37;padding:13px 0;align-items:start}
.insurance-result dt{font-size:var(--text-support);line-height:1.65;color:#e1e2dc}
.insurance-result dt small{display:block;font-size:var(--text-fine);color:#c2c5bc;line-height:1.7;margin-top:4px}
.insurance-result dd{font-size:var(--text-strong);line-height:1.65;font-weight:650;margin:0;overflow-wrap:anywhere;text-align:right;max-width:190px}
.insurance-subtotals{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin:26px 0 22px}
.insurance-subtotals span{display:block;color:#d2d5cd;font-size:var(--text-support);line-height:1.7}
.insurance-subtotals strong{display:block;font-size:22px;line-height:1.5;margin-top:8px;overflow-wrap:anywhere}
.insurance-bar{height:14px;display:flex;background:#484b45;overflow:hidden}
.insurance-bar span{display:block;height:100%}
#insurance-bar-current{background:#d9b278}
#insurance-bar-future{background:repeating-linear-gradient(135deg,#787a72,#787a72 5px,#a3a59b 5px,#a3a59b 7px)}
.insurance-legend{display:grid;gap:8px;margin-top:15px;font-size:var(--text-fine);line-height:1.6;color:#e1e2dc}
.insurance-legend>span{display:flex;gap:10px;align-items:flex-start}
.insurance-legend i{display:inline-block;flex-shrink:0;width:11px;height:11px;margin-top:5px}
.insurance-key-current{background:#d9b278}.insurance-key-future{background:repeating-linear-gradient(135deg,#787a72,#787a72 3px,#a3a59b 3px,#a3a59b 5px)}
.insurance-result-note{font-size:var(--text-fine);line-height:1.8;color:#d2d5cd;border-top:1px solid #454640;padding-top:21px;margin-top:24px}
.insurance-noscript{padding:24px 32px;color:#9c3427;background:var(--cream)}
.insurance-learn{background:var(--cream);border-block:1px solid var(--line)}
.insurance-learn-heading{max-width:790px}
.insurance-learn h2{font-size:40px;line-height:1.25}
.insurance-learn-heading>p:not(.eyebrow){color:var(--body);margin-top:22px}
.insurance-records{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:35px;margin-top:43px}
.insurance-records article{border-top:2px solid #bd9c6c;padding-top:21px}
.insurance-records article>span{font-size:15px;font-weight:750;letter-spacing:.12em;color:var(--gold)}
.insurance-records h3{font-size:22px;line-height:1.35;margin:13px 0}
.insurance-records p{font-size:var(--text-support);line-height:1.8;color:var(--body)}
.insurance-followup{display:grid;grid-template-columns:1.1fr 1fr;gap:65px;margin-top:52px;padding-top:35px;border-top:1px solid var(--line)}
.insurance-followup h3{font-size:24px;line-height:1.35}
.insurance-followup ul{padding-left:21px;margin:20px 0 0;color:var(--body)}
.insurance-followup li{margin:10px 0;padding-left:5px}
.insurance-sources a{display:flex;align-items:flex-start;justify-content:space-between;gap:15px;font-size:var(--text-support);line-height:1.75;color:var(--gold-dark);padding:14px 0;border-bottom:1px solid var(--line)}
.insurance-sources a:hover{text-decoration:underline;text-underline-offset:4px}
.insurance-sources a:first-of-type{margin-top:9px}
.insurance-sources>p{font-size:var(--text-support);line-height:1.8;color:var(--body);margin-top:17px}
.insurance-support{padding:58px 0}
.insurance-support>.container{display:flex;align-items:center;justify-content:space-between;gap:40px}
.insurance-support h2{font-size:32px}
.insurance-support p{color:var(--body);max-width:680px;margin-top:18px}
.insurance-support .button{flex-shrink:0;max-width:100%;gap:15px}
@media(max-width:1100px){.insurance-grid{gap:40px;grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr)}.insurance-records{gap:30px}.insurance-support>.container{align-items:flex-start;flex-direction:column}}
@media(max-width:850px){.insurance-grid{grid-template-columns:1fr;gap:38px}.insurance-guide h2{max-width:660px}.insurance-guide ol{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}.insurance-guide li{padding-left:0;padding-top:55px}.insurance-guide li:before{top:15px}.insurance-guide h3{font-size:20px}.insurance-followup{gap:30px}.insurance-hero{padding-block:43px}}
@media(max-width:600px){.insurance-guide ol{grid-template-columns:1fr;gap:0}.insurance-guide li{padding:23px 0 23px 43px}.insurance-guide li:before{top:24px}.insurance-guide h2,.insurance-learn h2{font-size:32px}.insurance-hero h1{font-size:39px}.insurance-lead{font-size:var(--text-body)}.insurance-workspace{padding-block:48px}.insurance-guide>p{margin-top:17px}.insurance-guide ol{margin-block:23px}.insurance-records,.insurance-followup{grid-template-columns:1fr;gap:28px}.insurance-records{margin-top:32px}.insurance-followup{margin-top:34px}.insurance-learn{padding-block:48px}#insurance-form,.insurance-result{padding:25px 21px}#insurance-form h2{font-size:27px}.insurance-actions{align-items:flex-start;flex-direction:column;gap:17px}.insurance-actions .button{width:100%;gap:12px;padding-inline:12px}.insurance-subtotals{grid-template-columns:1fr;gap:18px}.insurance-result dl>div{gap:14px}.insurance-result dd{max-width:140px}.insurance-income-fields{grid-template-columns:1fr;gap:0}.insurance-support h2{font-size:30px}.insurance-support{padding-block:45px}.insurance-support .button{width:100%;gap:12px;padding-inline:14px}}
@media(prefers-reduced-motion:reduce){.insurance-page *{scroll-behavior:auto!important}}

.estimate-send-panel{padding:30px;margin-top:24px;border:1px solid var(--line);background:var(--cream);color:var(--ink)}
.estimate-send-panel h3{font-size:1.4rem;margin-bottom:12px}.estimate-send-panel p{line-height:1.75;margin-block:12px}
#estimate-send-form>label:not([hidden]){display:block;font-weight:650;margin-block:18px}
#estimate-send-form input:not([type="checkbox"]){display:block;width:100%;min-height:52px;border:1px solid #c9c7be;padding:12px;margin-top:8px;font:inherit;background:#fff;color:var(--ink)}
#estimate-send-form label.estimate-consent{display:flex;gap:12px;font-weight:400;line-height:1.7}
.estimate-consent input{width:20px;height:20px;margin-top:4px;flex-shrink:0;accent-color:var(--gold)}
.estimate-send-panel a{text-decoration:underline}.estimate-send-panel .button{cursor:pointer}.estimate-send-panel .button:disabled{opacity:.65;cursor:wait}
@media(max-width:600px){.estimate-send-panel{padding:22px}}