/* =====================================================================
   Insure In Canada — central stylesheet  (/assets/site/iic.css)
   One file for every page. Change a colour or spacing here and it
   changes everywhere. Sections:
     1 Tokens   2 Base   3 Header   4 Footer   5 Page hero + quote card
     6 Content blocks   7 Scenario tools   8 Insurer list + B2C buttons
     9 FAQ / sources / CTA   10 Mobile bar + WhatsApp   11 Homepage (h-*)
     12 Responsive
   ===================================================================== */

/* 1 ─ Tokens */
:root{
  /* header / footer (homepage brand colours) */
  --hd-slate:#363F4E; --hd-slate2:#3E4B5B; --hd-teal:#2ECC9B; --hd-teal-d:#16936F;
  --hd-red:#D1224B; --hd-red-h:#B81C41; --hd-red2:#D9345C;
  /* page content (logo palette) */
  --teal:#1BBC9B; --teal-ink:#20735F; --charcoal:#393938; --black:#1A1A18;
  --ink:#282C2A; --muted:#5D6661; --line:#D9E3DD; --mint:#F0F9F6; --soft:#F6F8F7;
  --white:#fff; --warn:#FFF6E5; --warn-line:#F2C46D;
  --shadow:0 12px 32px rgba(26,26,24,.08); --rad:14px;
  --wrap:1180px;
}

/* 2 ─ Base */
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:70px;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--white);color:var(--ink);font:16px/1.6 system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;-webkit-font-smoothing:antialiased}
button,input,select,textarea{font:inherit}
a{color:#1E6557;text-underline-offset:3px}a:hover{color:var(--black)}
a:focus-visible,button:focus-visible,summary:focus-visible,input:focus-visible{outline:3px solid var(--teal);outline-offset:3px}
img{max-width:100%;height:auto}
.container,.sw-wrap,.wrap{width:min(var(--wrap),100% - 32px);margin-inline:auto}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.skip{position:absolute;left:12px;top:-80px;z-index:999;background:#fff;padding:10px}.skip:focus{top:12px}
h1,h2,h3{color:var(--black);letter-spacing:-.02em}
h2{font-size:clamp(24px,3.1vw,36px);line-height:1.22;margin:8px 0 12px}
h3{font-size:19px;line-height:1.3;color:var(--charcoal);margin:0 0 8px}
p{margin:0 0 14px}.muted{color:var(--muted)}.tiny{font-size:12.5px;line-height:1.55;color:var(--muted)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:7px;min-height:46px;padding:10px 17px;border:1px solid transparent;border-radius:9px;font-size:15px;line-height:1.2;text-align:center;font-weight:800;text-decoration:none;cursor:pointer;transition:background .16s,border-color .16s}
.btn-primary{background:var(--charcoal);color:#fff;border-color:var(--charcoal)}.btn-primary:hover{background:var(--black);color:#fff}
.btn-accent{background:var(--teal);color:var(--black);border-color:var(--teal)}.btn-accent:hover{background:#13AF8E;color:var(--black)}
.btn-outline{border-color:var(--charcoal);background:#fff;color:var(--charcoal)}.btn-outline:hover{border-color:var(--teal);background:var(--mint)}
.btn-red{background:var(--hd-red);color:#fff;border-color:var(--hd-red)}.btn-red:hover{background:var(--hd-red-h);color:#fff}
.btn-wa{background:#25D366;color:#0B2E22;border-color:#25D366}.btn-wa:hover{background:#1FB958;color:#0B2E22}

/* 3 ─ Sitewide header (same on every page) */
.sw-band{background:var(--hd-slate)}
.sw-band .sw-wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:66px}
.sw-logo img{width:220px;height:auto;display:block;image-rendering:auto}
.sw-quote{background:var(--hd-red);color:#fff!important;text-decoration:none;font-weight:800;text-transform:uppercase;letter-spacing:.03em;font-size:13px;border-radius:6px;padding:10px 14px;white-space:nowrap}
.sw-quote:hover{background:var(--hd-red-h)}
.sw-bar{background:var(--hd-teal);position:sticky;top:0;z-index:60;box-shadow:0 2px 8px rgba(0,0,0,.12)}
.sw-bar .sw-wrap{display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:50px;position:relative}
.sw-bar-l{display:flex;align-items:center;gap:14px}
.sw-ic{color:#fff!important;display:inline-flex;align-items:center;gap:8px;text-decoration:none!important;font-weight:800;font-size:18px}
.sw-ic svg{width:25px;height:25px}
.sw-nav{display:flex;gap:4px;align-items:center;flex-wrap:wrap}
.sw-nav>a{color:#0D3B2E;text-decoration:none;font-weight:800;font-size:14px;padding:8px 9px;border-radius:6px}
.sw-nav>a:hover,.sw-nav>a[aria-current=page]{background:rgba(255,255,255,.35)}
.sw-quick{display:none}
.sw-burger{display:none;background:transparent;border:2px solid rgba(255,255,255,.8);border-radius:8px;width:48px;height:38px;place-items:center;cursor:pointer;padding:0}
.sw-burger span{display:block;width:22px;height:2px;background:#fff;box-shadow:0 7px 0 #fff,0 -7px 0 #fff}

/* 4 ─ Sitewide footer */
.sw-foot{background:var(--hd-slate2);color:#D3DCE2;padding:36px 0 30px;font-size:15px;line-height:1.6}
.sw-foot a{color:#E8EEF2;text-decoration:none}.sw-foot a:hover{color:var(--hd-teal)}
.sw-fgrid{display:grid;gap:26px}
.sw-foot h3{color:#fff;font-size:16px;margin:0 0 8px;letter-spacing:0}.sw-foot h3::after{content:"";display:block;width:40px;height:3px;background:var(--hd-teal);margin-top:6px}
.sw-foot ul{list-style:none;padding:0;margin:0;display:grid;gap:6px}
.sw-flogo{width:200px;height:auto;display:block;margin-bottom:10px}
.sw-soc{display:flex;flex-wrap:wrap;gap:6px 14px;margin:10px 0}.sw-soc a{font-weight:700}
.sw-fb,.sw-gr{display:inline-block;border-radius:6px;padding:8px 12px;color:#fff!important;font-weight:800;margin:6px 8px 0 0;font-size:14px}
.sw-fb{background:#1877F2}.sw-gr{background:var(--hd-teal);color:#0B2E22!important}
.sw-mt{margin-top:18px!important}
.sw-copy{border-top:1px solid rgba(255,255,255,.15);margin-top:24px;padding-top:14px;font-size:13px;color:#AFC0CA}

/* 5 ─ Page hero + live quote card (sub-pages) */
.crumb{font-size:12px;padding:13px 0 4px;color:var(--muted)}.crumb a{color:#3F5E52;text-decoration:none}
.hero{background:linear-gradient(125deg,var(--mint),#fff 77%);border-bottom:1px solid var(--line)}
.hero-layout{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:34px;align-items:start;padding:12px 0 40px}
.hero-copy{padding-top:10px}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:11px;font-weight:850;text-transform:uppercase;letter-spacing:.1em;color:var(--charcoal)}
.eyebrow::before{content:"";width:20px;height:4px;background:var(--teal);border-radius:2px}
.hero h1{font-size:clamp(30px,4.1vw,50px);line-height:1.12;letter-spacing:-.04em;margin:14px 0 14px}
.hero h1 span{color:var(--teal-ink)}
.hero-lead{max-width:540px;font-size:17px;line-height:1.6;color:#46544E;margin:0 0 18px}
.trust-points{display:grid;grid-template-columns:1fr 1fr;gap:10px 15px;list-style:none;padding:0;margin:18px 0;font-size:13px;font-weight:650}
.trust-points li{position:relative;padding-left:29px}
.trust-points li::before{content:"✓";position:absolute;left:0;top:1px;background:#D9F5EB;width:20px;height:20px;line-height:20px;text-align:center;font-weight:900;border-radius:50%;color:var(--black)}
.hero-advisor{margin-top:20px;border:1px solid #CCE6DC;border-radius:13px;background:rgba(255,255,255,.9);padding:12px 14px;display:flex;gap:14px;align-items:center;max-width:500px}
.hero-advisor img{width:80px;height:100px;flex:0 0 80px;object-fit:cover;object-position:50% 18%;border-radius:11px;background:#f3f3f3}
.hero-advisor strong{display:block;color:var(--black);font-size:15px;line-height:1.2}
.hero-advisor small{display:block;color:var(--muted);font-size:12.5px;line-height:1.4;margin:3px 0 4px}
.hero-advisor a{font-size:13.5px;font-weight:800}
.quote-card{min-width:0;overflow:hidden;background:#fff;border:1px solid #CFDCD5;border-radius:17px;box-shadow:var(--shadow);scroll-margin-top:60px}
.quote-top{background:var(--charcoal);border-top:5px solid var(--teal);padding:16px 20px 14px;color:#fff}
.quote-top h2{margin:0 0 4px;font-size:22px;line-height:1.2;color:#fff}
.quote-top p{font-size:13px;margin:0;color:#E9F4EF}
.quote-live{padding:14px 16px 16px;min-height:220px}
.quote-live [data-quote-mount]{width:100%;max-width:100%;overflow-x:hidden}
.quote-live input,.quote-live select{max-width:100%}
#frmSuper svg,#frmVisitor svg,#frmTravel svg,#frmStudent svg,#frmLifeCriticalIllness svg{max-width:32px;max-height:32px;flex:none}
.quote-load{padding:12px;border:1px dashed #AACBBF;border-radius:9px;background:var(--mint);color:#34564B;font-size:13.5px;margin-top:5px}
.quote-load .slow{display:none}.quote-load.is-slow .slow{display:inline}
.quote-note{background:var(--soft);border-top:1px solid var(--line);padding:11px 18px;font-size:12.5px;color:#4C5D54;line-height:1.5}
.quote-note strong{color:var(--black)}
.qtabs{display:grid;grid-template-columns:repeat(var(--qcols,3),1fr);border-bottom:1px solid var(--line);background:#fff}
.qtabs button{font:inherit;font-weight:800;font-size:14px;padding:11px 6px;border:0;background:#F3F6F4;color:var(--muted);cursor:pointer;border-bottom:3px solid transparent;min-height:46px;line-height:1.2}
.qtabs button[aria-selected="true"]{background:#fff;color:var(--charcoal);border-bottom-color:var(--teal)}
.qhint{font-size:13px;color:var(--muted);margin:0 0 8px}
.quickbar{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:10px;margin-top:20px}
.quickitem{background:#fff;border:1px solid var(--line);border-top:3px solid var(--teal);border-radius:11px;padding:12px 14px}
.quickitem strong{display:block;font-size:17px;line-height:1.2;color:var(--charcoal)}
.quickitem span{display:block;color:var(--muted);font-size:12px;margin-top:4px}

/* 6 ─ Content blocks */
main section.section{padding:56px 0}
.section.soft{background:var(--soft)}
.section-head{max-width:780px;margin-bottom:24px}
.kicker{color:var(--teal-ink);text-transform:uppercase;font-size:12px;font-weight:850;letter-spacing:.095em}
.quick-answer{background:#fff;border:1px solid #C4E8DB;border-left:5px solid var(--teal);border-radius:12px;padding:18px 20px;margin-top:22px}
.quick-answer h2{font-size:18px;margin:0 0 6px;letter-spacing:0}
.quick-answer p{margin:0;font-size:16px;color:#2F3B35}
.cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.cards.two{grid-template-columns:repeat(2,minmax(0,1fr))}
.card{background:#fff;border:1px solid var(--line);border-radius:13px;padding:22px;box-shadow:0 4px 15px rgba(26,26,24,.025)}
.card p{font-size:15px;color:#4E5952}.card p:last-child{margin-bottom:0}
.card .tag{font-size:11px;color:var(--teal-ink);font-weight:800;letter-spacing:.07em;text-transform:uppercase;margin-bottom:6px}
.twocol{display:grid;grid-template-columns:1fr 1fr;gap:34px;align-items:start}
.prose{max-width:760px}.prose p,.prose li{font-size:16.5px}
.prose ul,.prose ol{padding-left:20px}.prose li{margin-bottom:6px}
.rule-list{list-style:none;padding:0;display:grid;gap:10px;margin:16px 0 0}
.rule-list li{position:relative;padding-left:35px}
.rule-list li::before{content:"✓";position:absolute;left:0;top:0;display:grid;place-items:center;width:24px;height:24px;border-radius:50%;background:#D9F5EB;color:var(--black);font-size:13px;font-weight:850}

.feature{padding-left:17px;border-left:3px solid var(--teal);margin-bottom:18px}
.feature strong{display:block;color:var(--charcoal);margin-bottom:4px}.feature p{color:var(--muted);font-size:15px;margin:0}
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:12px;background:#fff}
table{border-collapse:collapse;width:100%;min-width:560px;text-align:left}
th,td{padding:12px 15px;border-bottom:1px solid var(--line);vertical-align:top;font-size:14.5px}
th{background:#E8F5EF;font-size:13px;color:var(--charcoal);font-weight:850}
tbody tr:last-child td{border-bottom:0}
td.num,th.num{text-align:right;white-space:nowrap}
.update,.note{padding:16px 19px;background:var(--mint);border:1px solid #C4E8DB;border-left:4px solid var(--teal);border-radius:10px;color:#3B584D;font-size:15px}
.update strong,.note strong{color:var(--black)}
.warn{padding:16px 19px;background:var(--warn);border:1px solid var(--warn-line);border-left:4px solid #E0A31C;border-radius:10px;font-size:15px}
.steps{counter-reset:step;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px;margin:20px 0}
.step{counter-increment:step;border:1px solid var(--line);border-radius:13px;background:#fff;padding:18px 16px}
.step::before{content:counter(step);width:34px;height:34px;background:var(--teal);color:var(--black);border-radius:9px;display:grid;place-items:center;margin-bottom:10px;font-weight:850}
.step h3{font-size:16px}.step p{font-size:14px;color:var(--muted);margin:0}
.story{background:#fff;border:1px solid var(--line);border-radius:14px;padding:20px 22px;position:relative}
.story::before{content:"Example";position:absolute;top:-11px;left:18px;background:var(--charcoal);color:#fff;font-size:11px;font-weight:800;letter-spacing:.06em;text-transform:uppercase;padding:3px 9px;border-radius:999px}
.story p:last-child{margin-bottom:0}

/* 7 ─ Scenario / calculator tools */
.scn{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:18px;margin-top:18px}
.scn-form{display:grid;gap:14px;background:#fff;border:1px solid var(--line);border-radius:14px;padding:20px;align-content:start}
.scn-form label{display:grid;gap:6px;font-weight:700;color:var(--charcoal);font-size:15px}
.scn-form select,.scn-form input[type=number],.scn-form input[type=date]{font-size:16px;padding:10px 12px;border:1px solid #C9D6D0;border-radius:10px;min-height:46px;width:100%;background:#fff}
.seg{border:0;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:8px}
.seg legend{float:left;width:100%;font-weight:700;color:var(--charcoal);padding:0;margin-bottom:6px;font-size:15px}
.seg label{display:flex;align-items:center;gap:8px;border:1px solid #C9D6D0;border-radius:10px;padding:9px 12px;min-height:44px;cursor:pointer;font-weight:600;font-size:14.5px;background:#fff}
.seg label:has(input:checked){border-color:var(--teal);background:#F2FBF7}
.seg input{accent-color:var(--teal);width:18px;height:18px;margin:0}
.scn-out{background:var(--charcoal);color:#fff;border-radius:14px;padding:22px;border-top:5px solid var(--teal);align-self:start;position:sticky;top:70px}
.scn-label{font-size:13px;opacity:.85;font-weight:700}
.scn-big{display:block;font-size:clamp(28px,4.4vw,40px);line-height:1.1;margin:6px 0 4px;color:#7FE3C9;font-weight:850}
.scn-sub{font-size:14px;color:#D9E7E1;margin:0 0 12px}
.scn-lines{list-style:none;padding:0;margin:0 0 14px;font-size:14.5px}
.scn-lines li{display:flex;justify-content:space-between;gap:12px;border-bottom:1px solid rgba(255,255,255,.12);padding:7px 0}
.scn-lines li span:last-child{font-weight:800;text-align:right}
.scn-lines li span:first-child{flex:0 1 auto;min-width:0}
.scn-say{background:rgba(255,255,255,.08);border-left:3px solid #7FE3C9;border-radius:6px;padding:10px 12px;font-size:14.5px;margin:0 0 14px}
.scn-out .btn{width:100%}
.scn-out .btn+.btn{margin-top:8px}
.scn-out .btn-ghost{background:transparent;color:#fff;border:1px solid rgba(255,255,255,.55)}

/* 8 ─ Insurer plan list + B2C buttons */
.plans{list-style:none;padding:0;margin:16px 0 0;display:grid;gap:10px}
.plan{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:10px 16px;align-items:center;background:#fff;border:1px solid var(--line);border-left:4px solid var(--teal);border-radius:12px;padding:14px 16px}
.plan strong{display:block;color:var(--black);font-size:16px}
.plan small{display:block;color:var(--muted);font-size:13.5px}
.plan .price{font-weight:850;color:var(--charcoal);white-space:nowrap}
.plan .acts{display:flex;gap:8px;flex-wrap:wrap;justify-content:flex-end}
.plan .btn{min-height:40px;padding:8px 13px;font-size:14px}
.b2c-fallback{background:#25D366!important;border-color:#25D366!important;color:#0B2E22!important}

/* 9 ─ FAQ / author / sources / CTA */
details{margin-bottom:10px;background:#fff;border:1px solid var(--line);border-radius:11px;overflow:hidden}
summary{font-weight:790;color:var(--charcoal);padding:16px 46px 16px 18px;cursor:pointer;list-style:none;position:relative}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";position:absolute;right:18px;top:13px;color:var(--teal-ink);font-size:25px;line-height:1.1;font-weight:450}
details[open] summary::after{content:"−"}details[open] summary{background:var(--mint);border-bottom:1px solid var(--line)}
.answer{padding:14px 18px 16px;color:#46584F;font-size:15.5px}.answer p:last-child{margin-bottom:0}
.advisor-section{display:grid;grid-template-columns:240px 1fr;gap:24px;align-items:start}
.advisor-portrait{margin:0;border-radius:13px;overflow:hidden;border:1px solid var(--line);border-bottom:5px solid var(--teal);background:var(--soft)}
.advisor-portrait img{display:block;width:100%;height:290px;object-fit:cover;object-position:50% 18%}
.advisor-portrait figcaption{font-weight:850;font-size:13px;padding:10px 14px;color:var(--charcoal);background:#fff}
.editorial{background:var(--soft);border:1px solid var(--line);padding:18px 20px;border-radius:13px;font-size:14.5px}
.related{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:10px;list-style:none;padding:0;margin:0}
.related a{display:block;background:#fff;border:1px solid var(--line);border-radius:10px;padding:12px 14px;font-weight:700;text-decoration:none;color:var(--ink);height:100%}
.related a::after{content:" →";color:var(--teal-ink)}
.cta-panel{background:var(--charcoal);border-top:5px solid var(--teal);color:#fff;padding:28px;border-radius:15px;display:flex;justify-content:space-between;align-items:center;gap:20px}
.cta-panel h2{color:#fff;font-size:27px;margin:0 0 8px}.cta-panel p{color:#E4F1EB;font-size:15px;max-width:690px;margin:0}
.cta-actions{display:flex;gap:10px;flex-shrink:0;flex-wrap:wrap}
.cta-panel .btn-outline{color:#fff;background:transparent;border-color:#C5CAC7}

/* 10 ─ Mobile action bar + WhatsApp button */
.mobile-sticky{display:none}
.fab{position:fixed;right:16px;bottom:18px;z-index:50;width:58px;height:58px;border-radius:50%;background:#25D366;color:#fff;display:grid;place-items:center;box-shadow:0 8px 20px rgba(0,0,0,.25)}
.fab svg{width:32px;height:32px}
body.has-sticky .fab{display:none}

/* 11 ─ Homepage (h-*) — keeps the dark slate + teal + red look visitors know */
.h-hero{background-image:radial-gradient(circle at 92% 88%,transparent 0 92px,rgba(46,204,155,.10) 93px 126px,transparent 127px),radial-gradient(120% 90% at 85% 10%,rgba(46,204,155,.22),transparent 55%),linear-gradient(160deg,#2B333E 0%,#3E4B5B 55%,#2E3A44 100%);color:#fff;padding:34px 0 40px}
.h-grid{display:grid;grid-template-columns:minmax(0,1.02fr) minmax(0,.98fr);gap:30px;align-items:start}
.h-hero h1{color:#fff;font-size:clamp(25px,3.6vw,40px);line-height:1.16;margin:0 0 8px;letter-spacing:-.01em}
.h-rot{display:block;color:var(--hd-teal);font-weight:800;min-height:1.2em}
.h-lead{color:#DCE5EA;margin:8px 0 14px;font-size:16px;max-width:560px}
.h-trust{display:flex;flex-wrap:wrap;gap:6px 16px;font-size:13.5px;color:#C9D6DD;margin:0 0 18px}.h-trust b{color:#fff}
.h-steps{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}
.h-steps div{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);border-radius:12px;padding:12px}
.h-steps b{display:inline-grid;place-items:center;width:26px;height:26px;border-radius:50%;background:var(--hd-teal);color:#0B2E22;font-size:14px;margin-bottom:6px}
.h-steps strong{display:block;font-size:15px;color:#fff}.h-steps span{display:block;font-size:13px;color:#C9D6DD;line-height:1.45;margin-top:2px}
.h-adv{display:flex;gap:14px;align-items:center;background:#fff;color:var(--ink);border-radius:12px;padding:12px 14px;margin-top:14px;max-width:520px}
.h-adv img{width:84px;height:105px;object-fit:cover;object-position:50% 18%;border-radius:10px;flex:none}
.h-adv strong{display:block;font-size:15px;line-height:1.3}.h-adv span{display:block;font-size:12.5px;color:var(--muted)}
.h-adv .btns{display:flex;gap:6px;margin-top:6px;flex-wrap:wrap}
.h-adv .btns a{font-size:13px;font-weight:800;text-decoration:none;border-radius:6px;padding:6px 9px;background:var(--hd-teal);color:#0B2E22}.h-adv .btns a+a{background:#25D366}
.h-stats{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;margin-top:14px}
.h-stats div{border-top:3px solid var(--hd-teal);background:rgba(255,255,255,.05);border-radius:8px;padding:9px 10px}
.h-stats strong{display:block;color:#fff;font-size:17px}.h-stats span{display:block;font-size:12px;color:#C9D6DD;line-height:1.35}
.h-card{background:#fff;color:var(--ink);border-radius:14px;box-shadow:0 10px 30px rgba(20,30,40,.25);overflow:hidden;scroll-margin-top:60px}
.h-card .qtop{background:var(--hd-slate);color:#fff;padding:14px 18px;border-top:5px solid var(--hd-teal)}
.h-card .qtop h2{color:#fff;font-size:21px;margin:0;letter-spacing:0}
.h-card .qtop p{margin:3px 0 0;font-size:13.5px;color:#D7E1E6}
.h-card .qtabs button[aria-selected="true"]{border-bottom-color:var(--hd-teal);color:var(--ink)}
.h-card .quote-live{min-height:300px}
.h-card .qnote{background:#F7F9F8;border-top:1px solid var(--line);padding:10px 16px;font-size:13px}
.h-tiles-wrap{margin-top:-24px;position:relative;z-index:5}
.h-tiles{display:grid;grid-template-columns:repeat(6,1fr);background:#fff;border-radius:14px;box-shadow:0 10px 30px rgba(20,30,40,.12);overflow:hidden}
.h-tile{display:flex;flex-direction:column;align-items:center;text-align:center;gap:2px;padding:14px 6px 13px;text-decoration:none;border-right:1px solid #E3E8E6;min-height:122px;justify-content:center;transition:background .15s}
.h-tile:last-child{border-right:0}.h-tile:hover{background:#E9F8F2}
.h-tile .ico{color:var(--hd-teal);width:42px;height:42px}.h-tile .ico svg{width:100%;height:100%}
.h-tile small{color:#8A949A;font-size:10.5px;text-transform:uppercase;letter-spacing:.06em;font-weight:600;margin-top:4px}
.h-tile strong{color:var(--hd-red2);font-size:14.5px;line-height:1.2}
.h-sec{padding:48px 0}.h-sec.soft{background:#F3F6F5}
.h-kick{color:var(--hd-teal-d);font-weight:800;text-transform:uppercase;letter-spacing:.08em;font-size:12.5px}
.h-bar{width:64px;height:4px;background:var(--hd-teal);border-radius:4px;margin:10px 0 16px}
.h-svcs{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
.h-svc{display:grid;grid-template-columns:52px minmax(0,1fr);gap:14px;background:#fff;border:1px solid #E3E8E6;border-radius:14px;padding:16px}
.h-svc .ico{color:var(--hd-teal);width:48px;height:48px}.h-svc .ico svg{width:100%;height:100%}
.h-svc h3{margin:0 0 4px;font-size:18px}.h-svc h3 a{color:var(--hd-red2);text-decoration:none}
.h-svc p{margin:0 0 6px;font-size:15px}
.h-svc .links a{font-weight:800;font-size:14px;margin-right:12px;text-decoration:none;color:var(--hd-teal-d)}
.h-why{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}
.h-why div{background:#fff;border:1px solid #E3E8E6;border-radius:12px;padding:14px 16px}
.h-why h3{margin:0 0 4px;font-size:17px}.h-why p{margin:0;font-size:15px;color:var(--muted)}
.h-tools{display:flex;flex-wrap:wrap;gap:8px;margin-top:8px}
.h-tools a{background:#fff;border:1px solid var(--hd-teal);color:var(--ink);text-decoration:none;font-weight:700;border-radius:999px;padding:9px 14px;font-size:14px}.h-tools a:hover{background:#E9F8F2}
.h-revs{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}
.h-rev{margin:0;background:#fff;border:1px solid #E3E8E6;border-radius:14px;padding:16px}
.h-rev .stars{color:#F5B301;letter-spacing:2px}.h-rev p{margin:8px 0;font-size:15px}.h-rev footer{color:var(--hd-teal-d);font-weight:800}
.h-offices{display:grid;gap:12px}
.h-office{background:#fff;border:1px solid #E3E8E6;border-left:4px solid var(--hd-teal);border-radius:12px;padding:14px 16px}
.h-office h3{margin:0 0 4px;font-size:17px}.h-office p{margin:0 0 6px}
.h-guides{list-style:none;padding:0;margin:6px 0 0;display:grid;gap:8px}
.h-guides a{display:block;background:#fff;border:1px solid #E3E8E6;border-radius:10px;padding:12px 14px;font-weight:700;text-decoration:none;color:var(--ink)}
.h-guides a::after{content:" →";color:var(--hd-teal-d)}


/* Request form (pages without a live quote engine) */
.req{display:grid;gap:10px}
.req label{display:grid;gap:5px;font-weight:700;color:var(--charcoal);font-size:14px}
.req input,.req select{font-size:16px;padding:10px 11px;border:1px solid #C9D6D0;border-radius:10px;min-height:46px;width:100%;background:#fff}
.req .two{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.req .btn{width:100%;font-size:16px;min-height:50px}
@media (max-width:360px){.req .two{grid-template-columns:1fr}}


/* Shared components used by product pages (moved from page CSS, batch 3) */
.cards.four{grid-template-columns:repeat(4,minmax(0,1fr))}.cards.four .card{padding:20px}.cards.four h3{font-size:18px}
.checklist{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;list-style:none;margin:16px 0 0;padding:0}
.checklist li{border:1px solid var(--line);border-radius:10px;background:#fff;padding:15px 17px;font-size:15px}
.checklist li strong{display:block;color:var(--charcoal);margin-bottom:3px}
.update a,.note a{font-weight:800}
.review-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin-top:20px}
.review{margin:0;background:#fff;border:1px solid var(--line);border-top:3px solid var(--teal);border-radius:13px;padding:19px 20px}
.review .stars{color:#F2B01E;letter-spacing:2px;font-size:15px}
.review p{margin:8px 0 0;color:var(--ink);font-size:15px}
.review footer{margin-top:10px;font-weight:800;color:var(--charcoal);font-size:14px}
.review-links{display:flex;flex-wrap:wrap;gap:10px;margin:18px 0 0}
.partners-title{margin-top:34px}
.partner-logos{list-style:none;padding:0;margin:14px 0 0;display:grid;grid-template-columns:repeat(6,minmax(0,1fr));gap:10px}
.partner-logos li{background:#fff;border:1px solid var(--line);border-radius:10px;min-height:66px;display:grid;place-items:center;padding:8px;font-size:12px;font-weight:700;color:var(--muted);text-align:center}
.partner-logos img{max-height:46px;width:auto;max-width:100%}
.cred-badges{list-style:none;padding:0;margin:20px 0 0;display:flex;gap:12px;align-items:center;flex-wrap:wrap}
.cred-badges img{height:56px;width:auto}
@media (max-width:1100px){.cards.four{grid-template-columns:repeat(2,1fr)}}
@media (max-width:860px){.review-grid{grid-template-columns:1fr}.partner-logos{grid-template-columns:repeat(3,minmax(0,1fr))}}
@media (max-width:560px){.cards.four,.checklist{grid-template-columns:1fr}}


/* Calculators and lists used across guides (batch 3) */
.calc{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:18px;margin-top:20px}
.calc-form{display:grid;gap:14px;background:#fff;border:1px solid var(--line);border-radius:14px;padding:20px;align-content:start}
.calc-form label{display:grid;gap:6px;font-weight:700;color:var(--charcoal);font-size:15px;min-width:0}
.calc-form input[type=number],.calc-form input[type=date],.calc-form select{font-size:16px;padding:10px 12px;border:1px solid #C9D6D0;border-radius:10px;min-height:48px;width:100%;background:#fff}
.calc-form input[type=range]{width:100%;accent-color:var(--teal);min-height:32px}
.calc-form output{color:#0E8C72}
.calc-form .two{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.calc-out{background:var(--charcoal);color:#fff;border-radius:14px;padding:22px;border-top:5px solid var(--teal);align-self:start}
.calc-out .btn{width:100%}
.calc-label{font-size:13px;opacity:.85;font-weight:700}
.calc-total{display:block;font-size:clamp(28px,4.6vw,40px);line-height:1.1;margin:6px 0 12px;color:#7FE3C9;font-weight:850}
.calc-total.pass,.calc-total.ok{color:#7FE3C9}.calc-total.fail,.calc-total.no{color:#FFB3C1}
.calc-lines{list-style:none;padding:0;margin:0 0 12px;font-size:14.5px}
.calc-lines li{display:flex;justify-content:space-between;gap:10px;border-bottom:1px solid rgba(255,255,255,.12);padding:7px 0}
.calc-lines li span:last-child{font-weight:800;text-align:right}
.calc-compare{font-size:14.5px;margin:0 0 16px}
.vp-notes,.rq-out{list-style:none;padding:0;margin:0 0 14px;font-size:14.5px;display:grid;gap:8px}
.vp-notes li.warn{color:#FFE2A8}
.rq-out li{padding-left:24px;position:relative}.rq-out li::before{position:absolute;left:0;font-weight:800}
.rq-out li.ok::before{content:"✓";color:#7FE3C9}.rq-out li.bad::before{content:"✕";color:#FFB3C1}.rq-out li.todo::before{content:"•";color:#C9D6D0}
.btn.vp-wa,.btn.rq-wa,.btn-ghost{width:100%;margin-top:10px;background:transparent!important;color:#fff!important;border:1px solid rgba(255,255,255,.55)!important}
.x-list{list-style:none;margin:0 0 12px;padding:0;display:grid;gap:10px}
.x-list li{padding-left:35px;position:relative}
.x-list li::before{content:"✕";position:absolute;left:0;top:0;display:grid;place-items:center;width:24px;height:24px;border-radius:50%;background:#FDE7EC;color:#A3203F;font-size:13px;font-weight:850}
.tips6,.rq-list,.nr-list{list-style:none;margin:0 0 12px;padding:0;display:grid;gap:10px;counter-reset:t}
.tips6 li,.rq-list li,.nr-list li{background:#fff;border:1px solid var(--line);border-radius:12px;padding:12px 14px 12px 52px;position:relative}
.tips6 li,.rq-list li{counter-increment:t}
.tips6 li::before,.rq-list li::before{content:counter(t);position:absolute;left:14px;top:12px;width:26px;height:26px;border-radius:50%;background:var(--teal);color:#0B2E22;display:grid;place-items:center;font-weight:800;font-size:14px}
.nr-list li::before{content:"–";position:absolute;left:18px;top:10px;font-weight:800;color:var(--muted);font-size:20px}
.tips6 strong,.rq-list strong,.nr-list strong{display:block}.tips6 span,.rq-list span,.nr-list span{color:var(--muted);font-size:15px}
.fac{list-style:none;margin:0 0 12px;padding:0;display:grid;gap:8px}
.fac li{background:#fff;border:1px solid var(--line);border-left:4px solid var(--teal);border-radius:10px;padding:10px 14px}
.fac strong{display:block}.fac span{color:var(--muted);font-size:15px}
.acct th[scope=row]{text-align:left;font-weight:800}
.conds{list-style:none;padding:0;margin:18px 0 0;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:8px}
.conds li{background:#fff;border:1px solid var(--line);border-left:4px solid var(--teal);border-radius:10px;padding:10px 12px;font-weight:700;font-size:14px;color:var(--charcoal)}
.conds li:nth-child(-n+3){background:#E8F5EF}
@media (max-width:960px){.conds{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:860px){.calc{grid-template-columns:1fr}}
@media (max-width:760px){.table-wrap.acct{border:0;background:none;overflow:visible}.acct table,.acct tbody,.acct tr,.acct th,.acct td{display:block;width:auto;min-width:0}.acct thead{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}.acct tr{background:#fff;border:1px solid var(--line);border-left:4px solid var(--teal);border-radius:11px;margin-bottom:10px;padding:12px 14px}.acct th,.acct td{border:0;padding:3px 0}.acct td{display:flex;justify-content:space-between;gap:14px;font-size:14px;text-align:right}.acct td::before{content:attr(data-label);color:var(--muted);font-weight:700;flex:0 0 auto;text-align:left}}
@media (max-width:420px){.calc-form .two{grid-template-columns:1fr}}

/* 12 ─ Responsive */
@media (min-width:900px){.sw-fgrid{grid-template-columns:1.3fr 1fr 1fr 1fr}}
@media (max-width:1100px){.cards{grid-template-columns:repeat(2,1fr)}.steps{grid-template-columns:repeat(2,1fr)}}
@media (max-width:1020px){
  .sw-burger{display:grid}
  .sw-nav{display:none;position:absolute;top:100%;left:-16px;right:-16px;background:#fff;flex-direction:column;align-items:stretch;gap:0;border-bottom:3px solid var(--hd-teal);box-shadow:0 12px 24px rgba(0,0,0,.15);max-height:calc(100vh - 120px);overflow:auto}
  .sw-nav.is-open{display:flex}
  .sw-nav>a{color:#2A2F36;border-radius:0;padding:13px 18px;border-bottom:1px solid #E3E8E6;text-transform:uppercase;font-size:14px;letter-spacing:.03em}
  .sw-quick{display:grid;grid-template-columns:1fr 1fr;gap:8px;padding:12px 16px 16px;background:#F3F6F5}
  .sw-quick span{grid-column:1/-1;font-size:12px;font-weight:800;text-transform:uppercase;letter-spacing:.06em;color:var(--hd-teal-d)}
  .sw-quick a{background:#fff;border:1px solid #E3E8E6;border-left:3px solid var(--hd-red2);border-radius:8px;padding:9px 10px;font-weight:700;font-size:14px;color:#2A2F36;text-decoration:none}
}
@media (max-width:899px){
  .sw-foot{padding-bottom:96px}
  /* Phone: the quote form comes straight after the headline and 2 lines of text */
  .hero-layout{display:flex;flex-direction:column;gap:10px;padding:2px 0 22px}
  .hero-copy{display:contents}
  .eyebrow,.crumb{display:none}
  .hero h1{order:0;margin:12px 0 0;font-size:25px;line-height:1.16}
  .hero-lead{order:1;font-size:14px;line-height:1.45;margin:0;display:-webkit-box;-webkit-line-clamp:2;-webkit-box-orient:vertical;overflow:hidden}
  .hero .quote-card{order:2;width:100%}
  .hero .trust-points{order:3;margin:6px 0 0;font-size:12.5px;gap:8px}
  .hero .hero-advisor{order:4;margin:0;max-width:none}
  .quote-top{padding:11px 14px 10px}.quote-top h2{font-size:18px;margin-bottom:2px}.quote-top p{font-size:12px}
  .quote-live{padding:10px 10px 12px;min-height:200px}.quote-note{padding:9px 13px;font-size:11.5px}
  .quickbar{gap:7px;margin-top:4px}.quickitem{padding:9px 7px;text-align:center}.quickitem strong{font-size:14px}.quickitem span{font-size:10.5px}
  main section.section{padding:40px 0}
  .twocol,.scn{grid-template-columns:1fr;gap:20px}.scn-out{position:static}
  .cta-panel{display:block;padding:24px}.cta-actions{margin-top:18px}
  .related{grid-template-columns:1fr 1fr}
  body.has-sticky{padding-bottom:calc(64px + env(safe-area-inset-bottom))}
  .mobile-sticky{position:fixed;left:0;right:0;bottom:0;z-index:55;display:grid;grid-template-columns:1fr 1.35fr 1fr;gap:6px;padding:6px 7px calc(6px + env(safe-area-inset-bottom));background:#fff;border-top:1px solid #BFCFC6;box-shadow:0 -4px 18px rgba(26,26,24,.08)}
  .mobile-sticky a{display:flex;align-items:center;justify-content:center;gap:5px;min-height:46px;border:1px solid var(--line);border-radius:8px;color:var(--charcoal);text-decoration:none;font-size:13px;font-weight:800}
  .mobile-sticky .main{background:var(--hd-red);border-color:var(--hd-red);color:#fff}
  .mobile-sticky .wa{background:#25D366;border-color:#25D366;color:#0B2E22}
  body.quote-results-visible .mobile-sticky{display:none}body.quote-results-visible{padding-bottom:0}
  /* homepage on phones: headline, one line, then the tabbed quote form */
  .h-hero{padding:14px 0 22px}
  .h-grid{display:flex;flex-direction:column;gap:12px}
  .h-copy{display:contents}
  .h-hero h1{order:0;font-size:22px;margin:0}
  .h-rot{display:none}
  .h-lead{order:1;font-size:14px;margin:0;line-height:1.45;display:-webkit-box;-webkit-line-clamp:2;-webkit-box-orient:vertical;overflow:hidden}
  .h-card{order:2}
  .h-trust{order:3;margin:2px 0 0;font-size:12.5px}
  .h-extra{order:4}
  .h-steps{grid-template-columns:1fr}.h-stats{grid-template-columns:repeat(2,1fr)}
  .h-adv{max-width:none}
  .h-tiles-wrap{margin-top:18px}
  .h-tiles{grid-template-columns:repeat(3,1fr)}
  .h-tile{border-bottom:1px solid #E3E8E6;min-height:104px;padding:10px 4px}
  .h-tile:nth-child(3n){border-right:0}.h-tile:nth-child(n+4){border-bottom:0}
  .h-tile .ico{width:36px;height:36px}
  .h-svcs,.h-why,.h-revs{grid-template-columns:1fr}
  .h-sec{padding:36px 0}
  .h-card .quote-live{min-height:240px}
  .h-card .qtabs button{font-size:12.5px;padding:10px 2px;min-height:42px;white-space:nowrap;letter-spacing:-.01em}
  .h-card .qtop{padding:10px 14px}.h-card .qtop h2{font-size:18px}.h-card .qtop p{display:none}
}
@media (max-width:560px){
  .sw-logo img{width:190px}.sw-quote{font-size:11.5px;padding:9px 10px}.sw-band .sw-wrap{min-height:58px}
  .cards,.cards.two,.steps,.related{grid-template-columns:1fr}
  .advisor-section{grid-template-columns:1fr}.advisor-portrait{max-width:320px}
  .plan{grid-template-columns:1fr}.plan .acts{justify-content:flex-start}
  .cta-actions .btn{flex:1}
  table.stack{min-width:0}
  .stack thead{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
  .stack tr{display:block;border-bottom:1px solid var(--line);padding:10px 12px}
  .stack td{display:flex;justify-content:space-between;gap:10px;border:0;padding:3px 0;text-align:right}
  .stack td::before{content:attr(data-label);color:var(--muted);font-weight:700;text-align:left}
  .stack td:first-child{font-weight:800;color:var(--black)}.stack td:first-child::before{content:none}
}
@media (max-width:360px){.sw-quote{display:none}.hero .trust-points{grid-template-columns:1fr}}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}