/*! tailwindcss v4.2.1 | MIT License | https://tailwindcss.com */
@layer theme{:root,:host{--font-sans:ui-sans-serif, system-ui, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji";--font-mono:ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", "Courier New", monospace;--spacing:.25rem;--default-font-family:var(--font-sans);--default-mono-font-family:var(--font-mono)}}@layer base{*,:after,:before,::backdrop{box-sizing:border-box;border:0 solid;margin:0;padding:0}::file-selector-button{box-sizing:border-box;border:0 solid;margin:0;padding:0}html,:host{-webkit-text-size-adjust:100%;tab-size:4;line-height:1.5;font-family:var(--default-font-family,ui-sans-serif, system-ui, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji");font-feature-settings:var(--default-font-feature-settings,normal);font-variation-settings:var(--default-font-variation-settings,normal);-webkit-tap-highlight-color:transparent}hr{height:0;color:inherit;border-top-width:1px}abbr:where([title]){-webkit-text-decoration:underline dotted;text-decoration:underline dotted}h1,h2,h3,h4,h5,h6{font-size:inherit;font-weight:inherit}a{color:inherit;-webkit-text-decoration:inherit;-webkit-text-decoration:inherit;-webkit-text-decoration:inherit;-webkit-text-decoration:inherit;text-decoration:inherit}b,strong{font-weight:bolder}code,kbd,samp,pre{font-family:var(--default-mono-font-family,ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", "Courier New", monospace);font-feature-settings:var(--default-mono-font-feature-settings,normal);font-variation-settings:var(--default-mono-font-variation-settings,normal);font-size:1em}small{font-size:80%}sub,sup{vertical-align:baseline;font-size:75%;line-height:0;position:relative}sub{bottom:-.25em}sup{top:-.5em}table{text-indent:0;border-color:inherit;border-collapse:collapse}:-moz-focusring{outline:auto}progress{vertical-align:baseline}summary{display:list-item}ol,ul,menu{list-style:none}img,svg,video,canvas,audio,iframe,embed,object{vertical-align:middle;display:block}img,video{max-width:100%;height:auto}button,input,select,optgroup,textarea{font:inherit;font-feature-settings:inherit;font-variation-settings:inherit;letter-spacing:inherit;color:inherit;opacity:1;background-color:#0000;border-radius:0}::file-selector-button{font:inherit;font-feature-settings:inherit;font-variation-settings:inherit;letter-spacing:inherit;color:inherit;opacity:1;background-color:#0000;border-radius:0}:where(select:is([multiple],[size])) optgroup{font-weight:bolder}:where(select:is([multiple],[size])) optgroup option{padding-inline-start:20px}::file-selector-button{margin-inline-end:4px}::placeholder{opacity:1}@supports (not ((-webkit-appearance:-apple-pay-button))) or (contain-intrinsic-size:1px){::placeholder{color:currentColor}@supports (color:color-mix(in lab, red, red)){::placeholder{color:color-mix(in oklab, currentcolor 50%, transparent)}}}textarea{resize:vertical}::-webkit-search-decoration{-webkit-appearance:none}::-webkit-date-and-time-value{min-height:1lh;text-align:inherit}::-webkit-datetime-edit{display:inline-flex}::-webkit-datetime-edit-fields-wrapper{padding:0}::-webkit-datetime-edit{padding-block:0}::-webkit-datetime-edit-year-field{padding-block:0}::-webkit-datetime-edit-month-field{padding-block:0}::-webkit-datetime-edit-day-field{padding-block:0}::-webkit-datetime-edit-hour-field{padding-block:0}::-webkit-datetime-edit-minute-field{padding-block:0}::-webkit-datetime-edit-second-field{padding-block:0}::-webkit-datetime-edit-millisecond-field{padding-block:0}::-webkit-datetime-edit-meridiem-field{padding-block:0}::-webkit-calendar-picker-indicator{line-height:1}:-moz-ui-invalid{box-shadow:none}button,input:where([type=button],[type=reset],[type=submit]){appearance:button}::file-selector-button{appearance:button}::-webkit-inner-spin-button{height:auto}::-webkit-outer-spin-button{height:auto}[hidden]:where(:not([hidden=until-found])){display:none!important}}@layer components;@layer utilities{.relative{position:relative}.start{inset-inline-start:var(--spacing)}.table{display:table}}:root{--ink:#102b3a;--ink-deep:#071f2b;--ink-soft:#294552;--ivory:#f7f2e8;--paper:#fffdf8;--gold:#c58a2b;--gold-text:#87570f;--gold-light:#e8c57f;--sage:#53665b;--sage-pale:#dfe6dd;--coral:#9f482f;--line:#d9d3c8;--muted:#6c706d;--white:#fff;--serif:Georgia, "Times New Roman", serif;--sans:var(--font-geist-sans), "Segoe UI", Arial, sans-serif}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:96px}body{background:var(--paper);color:var(--ink);font-family:var(--sans);text-rendering:optimizelegibility;margin:0;font-size:16px;line-height:1.65}a{color:inherit;text-decoration:none}button,a,summary{-webkit-tap-highlight-color:transparent}a:focus-visible,summary:focus-visible{outline-offset:4px;outline:3px solid #1673cf}img{max-width:100%;display:block}figure{margin:0}em{color:var(--gold-text);font-style:italic;font-weight:400}.skip-link{z-index:1000;background:var(--gold);color:var(--ink-deep);padding:12px 18px;font-weight:800;transition:transform .16s;position:fixed;top:12px;left:12px;transform:translateY(-160%)}.skip-link:focus{transform:translateY(0)}.shell{width:min(1400px,100% - 72px);margin-inline:auto}.site-header{z-index:50;-webkit-backdrop-filter:blur(16px);backdrop-filter:blur(16px);background:#fffdf8f0;border-bottom:1px solid #102b3a1f;position:sticky;top:0}.header-inner{justify-content:space-between;align-items:center;gap:28px;min-height:82px;display:flex}.brand{flex:none;align-items:center;gap:13px;display:inline-flex}.brand-mark{border:1px solid var(--gold);background:var(--ink);width:42px;height:42px;color:var(--gold-light);font-family:var(--serif);letter-spacing:-.04em;place-items:center;font-size:16px;display:inline-grid}.brand-copy{line-height:1.15;display:grid}.brand-copy strong{font-family:var(--serif);font-size:19px;font-weight:600}.brand-copy small{color:var(--muted);letter-spacing:.14em;text-transform:uppercase;margin-top:4px;font-size:10px;font-weight:800}.primary-nav{justify-content:center;align-items:center;gap:clamp(20px,3vw,44px);display:flex}.primary-nav a{color:var(--ink-soft);font-size:13px;font-weight:700;position:relative}.primary-nav a:after{background:var(--gold);content:"";transform-origin:100%;height:1px;transition:transform .18s;position:absolute;bottom:-8px;left:0;right:0;transform:scaleX(0)}.primary-nav a:hover:after{transform-origin:0;transform:scaleX(1)}.header-call{justify-items:end;line-height:1.2;display:grid}.header-call span{color:var(--muted);letter-spacing:.11em;text-transform:uppercase;font-size:10px;font-weight:800}.header-call strong{color:var(--ink);margin-top:5px;font-size:15px}.hero{background:radial-gradient(circle at 18% 8%, #c58a2b21, transparent 24%), linear-gradient(90deg, var(--ivory) 0%, var(--ivory) 60%, #f0eadf 100%);padding:clamp(54px,7vw,104px) 0 80px;position:relative;overflow:hidden}.hero:before{opacity:.28;content:"";pointer-events:none;background-image:repeating-linear-gradient(90deg,#0000 0 calc(25% - 1px),#102b3a0f 25%);position:absolute;inset:0}.hero-grid{grid-template-columns:minmax(0,.88fr) minmax(540px,1.12fr);align-items:center;gap:clamp(52px,7vw,112px);display:grid;position:relative}.hero-copy{z-index:2;animation:.65s both rise-in;position:relative}.eyebrow,.section-kicker{color:var(--gold-text);letter-spacing:.19em;text-transform:uppercase;margin:0 0 20px;font-size:11px;font-weight:850}.eyebrow span{align-items:center;gap:12px;display:inline-flex}.eyebrow span:before{content:"";background:currentColor;width:35px;height:1px}.hero h1{max-width:780px;color:var(--ink-deep);font-family:var(--serif);letter-spacing:-.055em;margin:0;font-size:clamp(50px,5.4vw,82px);font-weight:500;line-height:.99}.hero h1 em{display:inline}.hero-deck{color:#41545c;max-width:650px;margin:30px 0 0;font-size:clamp(18px,1.45vw,22px);line-height:1.58}.hero-actions{align-items:center;gap:28px;margin-top:36px;display:flex}.button{border:1px solid #0000;justify-content:center;align-items:center;gap:18px;min-height:54px;padding:0 25px;font-size:13px;font-weight:850;line-height:1.2;transition:transform .18s,box-shadow .18s,background .18s;display:inline-flex}.button:hover{transform:translateY(-3px)}.button-primary{background:var(--ink);box-shadow:7px 7px 0 var(--gold-light);color:var(--white)}.button-primary:hover{background:var(--ink-deep);box-shadow:9px 9px 0 var(--gold)}.text-link,.source-link{color:var(--ink);border-bottom:1px solid;align-items:center;gap:8px;font-size:13px;font-weight:800;line-height:1.8;transition:color .16s;display:inline-flex}.text-link:hover,.source-link:hover{color:var(--gold-text)}.trust-list{color:var(--sage);letter-spacing:.04em;text-transform:uppercase;border-top:1px solid #102b3a29;flex-wrap:wrap;gap:12px 24px;margin:34px 0 0;padding:22px 0 0;font-size:11px;font-weight:800;list-style:none;display:flex}.trust-list span{color:var(--gold-text);margin-right:6px}.hero-visual{min-height:590px;animation:.75s .12s both rise-in;position:relative}.hero-visual:before{z-index:0;border-top:1px solid var(--gold);border-right:1px solid var(--gold);content:"";width:44%;height:42%;position:absolute;top:-20px;right:-20px}.hero-visual img{border:10px solid var(--paper);object-fit:cover;object-position:61% center;width:100%;height:100%;position:absolute;inset:0;box-shadow:0 26px 70px #071f2b29}.image-note{z-index:2;border-top:3px solid var(--gold);background:var(--ink-deep);width:min(340px,72%);color:var(--white);padding:25px 27px;position:absolute;bottom:38px;right:-18px;box-shadow:0 18px 45px #071f2b42}.image-note-label{color:var(--gold-light);letter-spacing:.18em;text-transform:uppercase;margin-bottom:10px;font-size:9px;font-weight:850;display:block}.image-note strong{font-family:var(--serif);font-size:21px;font-weight:500;line-height:1.32;display:block}.image-note a{color:var(--gold-light);gap:8px;margin-top:14px;font-size:11px;font-weight:800;display:inline-flex}.image-caption{color:var(--muted);letter-spacing:.16em;text-transform:uppercase;font-size:9px;font-weight:800;position:absolute;bottom:-30px;left:4px}.quick-answer{background:var(--ink-deep);color:var(--white);padding:68px 0;position:relative;overflow:hidden}.quick-answer:after{content:"";border:1px solid #e8c57f3d;border-radius:50%;width:420px;height:420px;position:absolute;bottom:-190px;right:-120px}.quick-grid{z-index:1;grid-template-columns:.8fr 1fr 1fr;gap:24px;display:grid;position:relative}.section-kicker.light{color:var(--gold-light)}.section-kicker.coral{color:var(--coral)}.quick-intro{padding:22px 42px 22px 0}.quick-intro h2,.section-heading h2,.perils-copy h2,.declaration-copy h2,.faq-intro h2,.cta-copy h2{font-family:var(--serif);letter-spacing:-.04em;margin:0;font-size:clamp(38px,4vw,59px);font-weight:500;line-height:1.08}.quick-intro>p:not(.section-kicker){color:#b9c6ca;max-width:370px;margin:20px 0 0}.quick-figure{background:#ffffff0d;border:1px solid #e8c57f73;width:100%;max-width:560px;margin-top:28px;box-shadow:8px 8px #c58a2b2e}.quick-figure img{aspect-ratio:16/10;object-fit:cover;width:100%}.quick-figure figcaption{color:#dbe3e5;padding:13px 15px;font-size:12px;line-height:1.45}.quick-figure figcaption span{color:var(--gold-light);letter-spacing:.13em;text-transform:uppercase;margin-bottom:3px;font-size:9px;font-weight:850;display:block}.rule-card{background:#ffffff0a;border:1px solid #ffffff29;min-height:320px;padding:38px 34px;transition:border-color .18s,transform .18s,background .18s;position:relative}.rule-card:hover{border-color:var(--gold-light);background:#ffffff12;transform:translateY(-4px)}.rule-number{color:#e8c57f8c;font-family:var(--serif);font-size:23px;position:absolute;top:24px;right:28px}.rule-label{color:var(--gold-light);letter-spacing:.16em;text-transform:uppercase;margin:0;font-size:10px;font-weight:850}.rule-card h3{font-family:var(--serif);margin:46px 0 16px;font-size:34px;font-weight:500}.rule-card>p:not(.rule-label){color:#c4cfd2;margin:0;font-size:15px}.rule-card>p strong{color:var(--white)}.rule-example{color:var(--gold-light);letter-spacing:.14em;text-transform:uppercase;background:#e8c57f1f;margin-top:25px;padding:7px 10px;font-size:9px;font-weight:850;display:inline-block}.word-bank{border-bottom:1px solid var(--line);background:var(--ivory);padding:54px 0}.word-bank-inner{grid-template-columns:.55fr 1.45fr;align-items:start;gap:64px;display:grid}.word-bank-heading .section-kicker{margin-bottom:10px}.word-bank-heading h2{max-width:430px;font-family:var(--serif);margin:0;font-size:28px;font-weight:500;line-height:1.2}.word-bank-list{border-top:1px solid var(--line);border-left:1px solid var(--line);grid-template-columns:repeat(2,1fr);margin:0;display:grid}.word-bank-list div{border-right:1px solid var(--line);border-bottom:1px solid var(--line);background:var(--paper);padding:19px 22px}.word-bank-list dt{color:var(--gold-text);letter-spacing:.08em;text-transform:uppercase;font-size:11px;font-weight:850}.word-bank-list dd{color:var(--ink-soft);margin:5px 0 0;font-size:13px;line-height:1.45}.section{padding:clamp(78px,9vw,132px) 0}.coverages-section{background:var(--paper)}.section-heading{grid-template-columns:minmax(0,1.25fr) minmax(300px,.75fr);align-items:end;gap:80px;margin-bottom:58px;display:grid}.section-heading>p{max-width:560px;color:var(--muted);margin:0 0 3px;font-size:17px}.coverage-grid{border-top:1px solid var(--line);border-left:1px solid var(--line);grid-template-columns:repeat(3,1fr);display:grid}.coverage-card{border-right:1px solid var(--line);border-bottom:1px solid var(--line);background:var(--paper);flex-direction:column;min-height:430px;padding:32px;transition:background .18s,transform .18s,box-shadow .18s;display:flex;position:relative}.coverage-card:hover{z-index:1;background:var(--ivory);transform:translateY(-5px);box-shadow:0 20px 50px #102b3a1c}.coverage-topline{justify-content:space-between;align-items:flex-start;display:flex}.coverage-letter{border:1px solid var(--gold-text);width:58px;height:58px;color:var(--gold-text);font-family:var(--serif);place-items:center;font-size:26px;display:grid}.coverage-index{color:#99998f;letter-spacing:.13em;font-size:9px;font-weight:800}.card-eyebrow{color:var(--sage);letter-spacing:.16em;text-transform:uppercase;margin:38px 0 10px;font-size:9px;font-weight:850}.coverage-card h3{font-family:var(--serif);letter-spacing:-.02em;margin:0;font-size:30px;font-weight:500}.coverage-description{color:#536166;margin:17px 0 0}.coverage-card dl{border-top:1px solid var(--line);margin:auto 0 0;padding-top:24px}.coverage-card dl div{grid-template-columns:48px 1fr;gap:14px;padding-top:10px;display:grid}.coverage-card dt{color:var(--gold-text);letter-spacing:.12em;text-transform:uppercase;font-size:9px;font-weight:850}.coverage-card dd{color:var(--ink-soft);margin:0;font-size:12px;font-weight:650}.fine-print{color:var(--muted);margin:22px 0 0;font-size:11px}.perils-section{background:var(--ivory);padding:clamp(78px,9vw,128px) 0}.perils-grid{grid-template-columns:.78fr 1.22fr;align-items:start;gap:clamp(60px,9vw,130px);display:grid}.perils-copy{position:sticky;top:130px}.perils-copy>p:not(.section-kicker){max-width:500px;color:var(--muted);margin:24px 0 28px;font-size:17px}.perils-copy>p em{color:var(--ink);font-family:var(--serif);font-weight:600}.perils-panel{border-top:4px solid var(--gold);background:var(--ink);color:var(--white);box-shadow:18px 18px #d9d1c2}.perils-panel-head{color:var(--gold-light);letter-spacing:.13em;text-transform:uppercase;border-bottom:1px solid #ffffff24;justify-content:space-between;align-items:center;gap:20px;padding:24px 30px;font-size:10px;font-weight:850;display:flex}.perils-panel-head strong{color:#9fb0b6}.peril-list{grid-template-columns:repeat(2,1fr);margin:0;padding:0;list-style:none;display:grid}.peril-list li{color:#e7edef;border-bottom:1px solid #ffffff1a;border-right:1px solid #ffffff1a;align-items:center;gap:15px;min-height:72px;padding:17px 30px;font-size:14px;display:flex}.peril-list li span{color:var(--gold-light);font-family:var(--serif);font-size:13px}.panel-note{color:#9fb0b6;margin:0;padding:20px 30px;font-size:11px}.gaps-section{background:var(--paper)}.wide-figure{border:1px solid var(--line);border-top:4px solid var(--gold);background:var(--ink);width:100%;margin:0 0 48px;position:relative;overflow:hidden}.wide-figure img{aspect-ratio:3;object-fit:cover;width:100%}.water-figure img{object-position:center 54%}.inventory-figure img{object-position:center 47%}.wide-figure figcaption{border-top:3px solid var(--gold);width:min(500px,64%);color:var(--white);background:#071f2bf2;padding:20px 24px;position:absolute;bottom:0;right:0}.wide-figure figcaption span{color:var(--gold-light);letter-spacing:.14em;text-transform:uppercase;margin-bottom:6px;font-size:9px;font-weight:850;display:block}.wide-figure figcaption strong{font-family:var(--serif);font-size:18px;font-weight:500;line-height:1.4;display:block}.gaps-list{border-top:1px solid var(--ink)}.gap-row{border-bottom:1px solid var(--line);grid-template-columns:65px .5fr 1.2fr .62fr;align-items:center;gap:28px;padding:27px 6px;transition:background .18s,padding .18s;display:grid}.gap-row:hover{background:var(--ivory);padding-inline:18px}.gap-number{color:var(--coral);font-family:var(--serif);font-size:17px}.gap-row h3{font-family:var(--serif);margin:0;font-size:25px;font-weight:500}.gap-row p{color:var(--muted);margin:0;font-size:14px}.gap-row>strong{color:var(--ink);letter-spacing:.02em;font-size:11px}.gap-row>strong span{color:var(--gold-text)}.gaps-source{border-left:3px solid var(--gold);background:var(--ivory);grid-template-columns:1fr auto;align-items:center;gap:36px;margin-top:30px;padding:22px 26px;display:grid}.gaps-source p{color:var(--ink-soft);margin:0;font-size:13px}.gaps-source a{font-size:11px;font-weight:850}.declarations-section{background:var(--ink-deep);color:var(--white);overflow:hidden}.declaration-grid{grid-template-columns:minmax(0,1.08fr) minmax(0,.92fr);align-items:center;gap:clamp(65px,10vw,150px);display:grid}.declaration-card{background:var(--paper);box-shadow:18px 18px 0 var(--gold);color:var(--ink);padding:40px 44px;position:relative;transform:rotate(-1.2deg)}.declaration-card:before{content:"";background:#e8c57fa6;width:120px;height:36px;position:absolute;top:-18px;left:50%;transform:translate(-50%)rotate(1deg)}.document-top{border-bottom:1px solid var(--line);color:var(--muted);letter-spacing:.13em;text-transform:uppercase;justify-content:space-between;gap:20px;padding-bottom:14px;font-size:9px;font-weight:850;display:flex}.declaration-card h2{max-width:520px;font-family:var(--serif);margin:28px 0 24px;font-size:clamp(29px,3vw,40px);font-weight:500;line-height:1.15}.declaration-list{grid-template-columns:repeat(2,1fr);gap:0 24px;margin:0;padding:0;list-style:none;display:grid}.declaration-list li{border-bottom:1px solid var(--line);align-items:center;gap:11px;min-height:48px;font-size:12px;font-weight:650;display:flex}.declaration-list li span{border:1px solid var(--gold-text);width:21px;height:21px;color:var(--gold-text);border-radius:50%;flex:none;place-items:center;font-size:9px;display:inline-grid}.declaration-card>p{color:var(--muted);font-family:var(--serif);margin:22px 0 0;font-size:13px;font-style:italic}.declaration-copy>p:not(.section-kicker):not(.ask-line){color:#bdc8cb;margin:26px 0 0;font-size:17px}.declaration-copy blockquote{border-left:2px solid var(--gold);color:var(--gold-light);font-family:var(--serif);margin:36px 0 0;padding:28px 0 28px 28px;font-size:clamp(22px,2.1vw,31px);font-style:italic;line-height:1.35}.ask-line{color:#8fa2a8;margin:14px 0 0;font-size:12px}.guides-section{background:var(--ivory)}.guide-grid{grid-template-columns:1.12fr 1fr 1fr;gap:22px;display:grid}.guide-card{border:1px solid var(--line);background:var(--paper);flex-direction:column;min-height:480px;padding:32px;transition:box-shadow .18s,transform .18s;display:flex;position:relative}.guide-card:hover{transform:translateY(-5px);box-shadow:0 18px 45px #102b3a1a}.guide-featured{background:var(--ink);color:var(--white)}.guide-time{color:var(--gold-text);letter-spacing:.12em;text-transform:uppercase;font-size:9px;font-weight:850;position:absolute;top:30px;right:30px}.guide-icon{border:1px solid var(--gold-text);width:58px;height:58px;color:var(--gold-text);font-family:var(--serif);place-items:center;font-size:25px;display:grid}.guide-card .card-eyebrow{margin-top:45px}.guide-featured .card-eyebrow,.guide-featured .guide-time,.guide-featured .guide-icon,.guide-featured li:before{color:var(--gold-light)}.guide-featured .guide-icon{border-color:var(--gold)}.quick-intro h2 em,.declaration-copy h2 em,.cta-copy h2 em{color:var(--gold-light)}.guide-card h3{font-family:var(--serif);margin:0;font-size:29px;font-weight:500;line-height:1.2}.guide-card ol,.guide-card ul{margin:24px 0 0;padding:0;list-style:none}.guide-card li{border-bottom:1px solid var(--line);color:var(--muted);padding:9px 0 9px 25px;font-size:13px;position:relative}.guide-card li:before{color:var(--gold-text);content:"✓";font-size:10px;font-weight:900;position:absolute;top:13px;left:1px}.guide-featured li{color:#c6d0d3;border-color:#ffffff21}.guide-card>a{border-top:1px solid var(--gold);color:var(--ink);justify-content:space-between;margin-top:auto;padding-top:15px;font-size:11px;font-weight:850;display:flex}.guide-featured>a{color:var(--gold-light)}.faq-section{background:var(--paper)}.faq-grid{grid-template-columns:.72fr 1.28fr;align-items:start;gap:clamp(60px,9vw,140px);display:grid}.faq-intro{position:sticky;top:126px}.faq-intro>p:not(.section-kicker){color:var(--muted);margin:22px 0 28px}.text-link.dark{color:var(--ink)}.faq-list{border-top:1px solid var(--ink)}.faq-list details{border-bottom:1px solid var(--line)}.faq-list summary{cursor:pointer;font-family:var(--serif);grid-template-columns:42px 1fr 30px;align-items:center;gap:18px;padding:25px 0;font-size:21px;font-weight:600;line-height:1.3;list-style:none;display:grid}.faq-list summary::-webkit-details-marker{display:none}.faq-list summary>span{color:var(--gold-text);font-family:var(--sans);letter-spacing:.12em;font-size:10px;font-weight:850}.faq-list summary i{border:1px solid var(--line);width:28px;height:28px;color:var(--gold-text);font-family:var(--sans);border-radius:50%;place-items:center;font-size:15px;font-style:normal;transition:transform .18s,background .18s;display:grid}.faq-list details[open] summary i{background:var(--ink);color:var(--gold-light);transform:rotate(45deg)}.faq-list details>p{max-width:720px;color:var(--muted);margin:-6px 30px 27px 60px;font-size:15px}.cta-section{background:var(--paper);padding:0 0 78px}.cta-card{background:var(--ink);color:var(--white);grid-template-columns:1.1fr .9fr;align-items:center;gap:70px;padding:clamp(50px,7vw,92px);display:grid;position:relative;overflow:hidden}.cta-card:before,.cta-card:after{content:"";border:1px solid #e8c57f38;border-radius:50%;position:absolute}.cta-card:before{width:520px;height:520px;bottom:-240px;right:-170px}.cta-card:after{width:340px;height:340px;bottom:-150px;right:-80px}.cta-copy,.cta-actions{z-index:1;position:relative}.cta-copy>p:not(.section-kicker){color:#bdc9cc;max-width:720px;margin:24px 0 0;font-size:17px}.cta-actions{justify-items:start;gap:25px;display:grid}.button-gold{background:var(--gold);box-shadow:7px 7px 0 var(--paper);color:var(--ink-deep)}.button-gold:hover{background:var(--gold-light)}.cta-phone{line-height:1.25;display:grid}.cta-phone span{color:#9fb0b6;letter-spacing:.12em;text-transform:uppercase;font-size:10px;font-weight:850}.cta-phone strong{color:var(--gold-light);font-family:var(--serif);margin-top:7px;font-size:29px;font-weight:500}.site-footer{background:var(--ink-deep);color:var(--white);padding:66px 0 32px}.footer-top{border-bottom:1px solid #ffffff1f;grid-template-columns:1.2fr .8fr 1fr;gap:70px;padding-bottom:48px;display:grid}.footer-brand{align-items:flex-start;gap:16px;display:flex}.footer-brand strong{font-family:var(--serif);font-size:20px;font-weight:500;display:block}.footer-brand p{color:#8fa2a8;max-width:360px;margin:7px 0 0;font-size:12px}.footer-mark{flex:none}.footer-contact,.footer-sources{align-content:start;justify-items:start;gap:7px;display:grid}.footer-contact>span,.footer-sources>span{color:var(--gold-light);letter-spacing:.15em;text-transform:uppercase;margin-bottom:7px;font-size:9px;font-weight:850}.footer-contact strong,.footer-contact a,.footer-sources a{color:#bac6c9;font-size:12px;font-weight:600}.footer-sources a:hover,.footer-contact a:hover{color:var(--gold-light)}.footer-bottom{grid-template-columns:1fr auto;align-items:start;gap:60px;padding-top:28px;display:grid}.footer-bottom p{color:#7f9299;max-width:1000px;margin:0;font-size:10px}.footer-bottom>span{color:#7f9299;letter-spacing:.1em;text-transform:uppercase;white-space:nowrap;font-size:9px;font-weight:800}@keyframes rise-in{0%{opacity:0;transform:translateY(20px)}to{opacity:1;transform:translateY(0)}}@media (width<=1180px){.shell{width:min(100% - 48px,1400px)}.header-inner{flex-wrap:wrap;padding-top:10px}.primary-nav{scrollbar-width:none;order:3;justify-content:flex-start;gap:26px;width:100%;padding-bottom:12px;overflow-x:auto}.primary-nav::-webkit-scrollbar{display:none}.primary-nav a{white-space:nowrap;flex:none}.hero-grid{grid-template-columns:1fr 1fr;gap:46px}.hero-visual{min-height:520px}.quick-grid{grid-template-columns:1fr 1fr}.quick-intro{grid-column:1/-1;padding-right:0}.quick-intro>p:not(.section-kicker){max-width:650px}.word-bank-inner{grid-template-columns:1fr;gap:26px}.coverage-grid{grid-template-columns:repeat(2,1fr)}.gap-row{grid-template-columns:50px .4fr 1fr}.gap-row>strong{grid-column:3}.guide-grid{grid-template-columns:1fr 1fr}.guide-featured{grid-row:span 2;min-height:100%}}@media (width<=900px){html{scroll-padding-top:120px}.hero-grid,.perils-grid,.declaration-grid,.faq-grid,.cta-card{grid-template-columns:1fr}.hero-copy{max-width:760px}.hero-visual{min-height:560px}.section-heading{grid-template-columns:1fr;gap:24px}.perils-copy,.faq-intro{position:static}.declaration-grid{gap:84px}.declaration-card{max-width:680px}.faq-grid{gap:50px}.cta-actions{grid-template-columns:auto 1fr;align-items:center}.footer-top{grid-template-columns:1fr 1fr}.footer-brand{grid-column:1/-1}.footer-bottom{grid-template-columns:1fr;gap:18px}}@media (width<=680px){.shell{width:min(100% - 32px,1400px)}.header-inner{min-height:72px}.brand-mark{width:38px;height:38px}.brand-copy strong{font-size:17px}.brand-copy small{letter-spacing:.1em;font-size:8px}.header-call span{display:none}.header-call strong{font-size:12px}.primary-nav{gap:20px}.primary-nav a{font-size:11px}.hero{padding:60px 0 68px}.hero h1{font-size:clamp(44px,13vw,64px)}.hero-deck{font-size:17px}.hero-actions{flex-direction:column;align-items:flex-start;gap:20px}.button{width:100%}.trust-list{gap:9px 18px}.hero-visual{min-height:420px;margin-top:20px}.image-note{width:calc(100% - 20px);bottom:20px;right:10px}.image-caption{display:none}.quick-figure{max-width:none;box-shadow:none}.quick-figure img,.wide-figure img{aspect-ratio:4/3}.wide-figure figcaption{width:100%;padding:17px 19px;position:static}.quick-grid,.word-bank-list{grid-template-columns:1fr}.rule-card{min-height:290px}.coverage-grid{grid-template-columns:1fr}.coverage-card{min-height:415px}.peril-list{grid-template-columns:1fr}.perils-panel{box-shadow:8px 8px #d9d1c2}.gap-row{grid-template-columns:40px 1fr;gap:13px 18px;padding:24px 0}.gap-row p,.gap-row>strong{grid-column:2}.gap-row:hover{padding-inline:10px}.gaps-source{grid-template-columns:1fr;gap:16px}.declaration-card{box-shadow:9px 9px 0 var(--gold);padding:34px 25px;transform:none}.declaration-list,.guide-grid{grid-template-columns:1fr}.guide-featured{grid-row:auto;min-height:520px}.guide-card{min-height:485px}.faq-list summary{grid-template-columns:28px 1fr 28px;gap:10px;font-size:18px}.faq-list details>p{margin-left:38px}.cta-card{width:100%;padding:52px 28px}.cta-actions{grid-template-columns:1fr}.footer-top{grid-template-columns:1fr;gap:40px}.footer-brand{grid-column:auto}}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,:before,:after{transition-duration:.01ms!important;animation-duration:.01ms!important;animation-iteration-count:1!important}}@media print{.site-header,.hero-actions,.cta-section{display:none}.hero,.quick-answer,.declarations-section,.site-footer{color:#000!important;background:#fff!important}.section{padding:40px 0}.coverage-card,.guide-card,.gap-row{break-inside:avoid}}
