:root{--ink:#172026;--muted:#5c6870;--paper:#f7f5ef;--white:#fff;--line:#dedbd1;--navy:#17324d;--blue:#215d7a;--orange:#bd5b2a;--soft:#eaf1f4;--max:1160px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:var(--white);line-height:1.62;font-size:17px}a{color:#145674;text-underline-offset:3px}a:hover{text-decoration-thickness:2px}.topline{background:#10283d;color:#fff;font-size:14px}.topline .wrap{padding:8px 20px}.wrap{max-width:var(--max);margin:auto;padding:0 20px}.site-header{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:50}.headrow{display:flex;align-items:center;justify-content:space-between;gap:22px;min-height:78px}.brand{font-weight:800;font-size:28px;letter-spacing:-.8px;color:var(--navy);text-decoration:none}.brand span{color:var(--orange)}nav{display:flex;gap:22px;align-items:center}nav a{color:var(--ink);text-decoration:none;font-weight:700;font-size:15px}.menu-btn{display:none;border:1px solid #bbc2c7;background:#fff;padding:9px 12px;border-radius:7px;font-weight:700}.hero{background:linear-gradient(120deg,#eef3f5 0%,#f8f5ec 70%);border-bottom:1px solid var(--line)}.hero-grid{display:grid;grid-template-columns:1.3fr .7fr;gap:48px;align-items:center;padding:70px 20px 64px}.eyebrow{color:var(--orange);font-weight:800;text-transform:uppercase;letter-spacing:.07em;font-size:13px}.hero h1,.article-head h1{font-family:Verdana, Helvetica, Tahoma, sans-serif;color:var(--navy);letter-spacing:-.035em;line-height:1.06;margin:.18em 0 .35em}.hero h1{font-size:32px;}.hero p{font-size:21px;max-width:760px}.searchbox{background:#fff;border:1px solid var(--line);padding:22px;border-radius:14px;box-shadow:0 14px 40px rgba(20,32,40,.08)}.searchbox label{font-weight:800;display:block;margin-bottom:8px}.searchbox input{width:100%;font:inherit;padding:13px 14px;border:1px solid #aeb8bf;border-radius:7px}.searchbox small{display:block;color:var(--muted);margin-top:9px}.section{padding:55px 0}.section.alt{background:var(--paper)}.section h2{font-family:Verdana, Helvetica, Tahoma, sans-serif;color:var(--navy);font-size:28px;line-height:1.15;margin:0 0 12px}.lede{font-size:19px;color:#36434b;max-width:790px}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:26px}.card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:24px;text-decoration:none;color:var(--ink);box-shadow:0 5px 18px rgba(20,32,40,.035)}.card:hover{border-color:#9aaab4;transform:translateY(-1px)}.card h3{margin:0 0 8px;color:var(--navy);font-size:20px;line-height:1.25}.card p{margin:0;color:var(--muted);font-size:15px}.pill{display:inline-block;font-size:12px;font-weight:800;color:#7b3b1d;background:#f7e7df;padding:4px 8px;border-radius:999px;margin-bottom:12px}.split{display:grid;grid-template-columns:1fr 1fr;gap:45px;align-items:start}.plain-list{list-style:none;padding:0;margin:18px 0}.plain-list li{padding:10px 0;border-bottom:1px solid var(--line)}.plain-list a{text-decoration:none;font-weight:700}.cta{background:var(--navy);color:#fff;border-radius:14px;padding:30px}.cta h2,.cta h3{color:#fff}.cta a.button{display:inline-block;background:#fff;color:var(--navy);font-weight:800;text-decoration:none;padding:12px 17px;border-radius:7px;margin-top:8px}.article-head{background:var(--paper);border-bottom:1px solid var(--line)}.article-head .wrap{max-width:900px;padding-top:54px;padding-bottom:45px}.article-head h1{font-size:30px;}.article-head p{font-size:20px;color:#435058;max-width:780px}.crumbs{font-size:14px;margin-bottom:18px;color:var(--muted)}.article-layout{max-width:900px;margin:auto;padding:42px 20px 64px}.article-layout section{margin:0 0 38px}.article-layout h2{font-family:Verdana, Helvetica, Tahoma, sans-serif;color:var(--navy);font-size:29px;line-height:1.2;margin-bottom:9px}.article-layout p{margin:.5em 0 1em}.note{border-left:4px solid var(--orange);background:#fff7f0;padding:17px 20px;margin:28px 0}.commercial{background:#edf4f6;border:1px solid #cddde3;border-radius:12px;padding:24px;margin-top:42px}.commercial h2{margin-top:0}.commercial .button{display:inline-block;background:var(--blue);color:#fff;text-decoration:none;padding:11px 16px;border-radius:7px;font-weight:800}.disclosure{font-size:13px;color:var(--muted);margin-top:12px}.related{border-top:1px solid var(--line);padding-top:30px;margin-top:42px}.related-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}.related a{font-weight:700;text-decoration:none;background:var(--paper);padding:14px 16px;border-radius:8px}.page{max-width:900px;margin:auto;padding:54px 20px 70px}.page h1{font-family:Verdana, Helvetica, Tahoma, sans-serif;color:var(--navy);font-size:38px;line-height:1.08}.page h2{color:var(--navy);margin-top:28px}.footer{background:#11293c;color:#e8eef2;padding:42px 0 22px}.footer a{color:#fff}.footgrid{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:40px}.footer h3{color:#fff;margin-top:0}.footer p,.footer li{font-size:14px;color:#d0d9df}.footer ul{list-style:none;padding:0}.footer li{margin:7px 0}.legal{border-top:1px solid rgba(255,255,255,.18);margin-top:30px;padding-top:18px;font-size:12px;color:#c3ced5}.topic-bar{display:flex;flex-wrap:wrap;gap:9px;margin-top:22px}.topic-bar a{background:#fff;border:1px solid var(--line);border-radius:999px;padding:8px 12px;text-decoration:none;font-size:14px;font-weight:700}.search-results{margin-top:12px}.search-results a{display:block;padding:8px 0;border-bottom:1px solid #eee;text-decoration:none;font-weight:700}
@media(max-width:820px){body{font-size:16px}.topline{display:none}.menu-btn{display:block}nav{display:none;position:absolute;left:0;right:0;top:78px;background:#fff;border-bottom:1px solid var(--line);padding:15px 20px;flex-direction:column;align-items:flex-start}nav.open{display:flex}.hero-grid,.split,.footgrid{grid-template-columns:1fr}.hero-grid{padding-top:48px}.hero h1{font-size:44px}.cards{grid-template-columns:1fr}.searchbox{margin-top:0}.section{padding:42px 0}.related-grid{grid-template-columns:1fr}.page h1{font-size:40px}}

.page-visual{max-width:900px;margin:28px auto 36px;padding:0 20px}.page-visual img{display:block;width:100%;height:auto;border-radius:16px;box-shadow:0 16px 42px rgba(20,32,40,.10);border:1px solid var(--line);background:#fff}.hero + .page-visual{margin-top:-6px;padding-bottom:12px}.page .page-visual{padding:0;margin:28px 0 34px}.article-layout>.page-visual:first-child{margin-top:0;margin-bottom:34px;padding:0}.article-layout>.page-visual:first-child img{border-radius:14px}@media(max-width:820px){.page-visual{margin:22px auto 28px}.page-visual img{border-radius:12px}}

.insurance-promo{margin-top:46px;padding:24px 26px;background:#edf4f6;border:1px solid #cddde3;border-radius:12px}.insurance-promo h2{margin:4px 0 8px}.insurance-promo p{margin:0 0 15px}.insurance-promo .button{display:inline-block;background:var(--blue);color:#fff;text-decoration:none;padding:10px 15px;border-radius:7px;font-weight:800}.ad-label{font-size:11px;line-height:1;text-transform:uppercase;letter-spacing:.09em;font-weight:800;color:#65737c}

.article-layout .article-kicker{font-size:19px;line-height:1.72;color:#303c43;margin:0 0 30px}.article-layout .run-in{margin-top:22px}.article-layout .run-in strong{color:var(--navy)}

/* Quotezone CTA */
.quotezone-cta{margin:42px 0 34px;padding:0 20px}
.quotezone-cta-inner{max-width:900px;margin:0 auto;text-align:center;background:#f5f8fa;border:1px solid #d5e0e6;border-radius:14px;padding:26px 22px}
.quotezone-button{display:inline-block;background:#17324d;color:#fff!important;text-decoration:none;font-weight:800;font-size:19px;line-height:1.25;padding:15px 24px;border-radius:8px;box-shadow:0 6px 18px rgba(23,50,77,.16)}
.quotezone-button:hover{background:#0f273d;text-decoration:none;transform:translateY(-1px)}
.quotezone-info{max-width:620px;margin:10px auto 0;color:#5c6870;font-size:12px;text-align:center}
.quotezone-info summary{display:inline-block;cursor:pointer;text-decoration:underline;text-underline-offset:2px;list-style:none}
.quotezone-info summary::-webkit-details-marker{display:none}
.quotezone-popup{margin:9px auto 0;background:#fff;border:1px solid #d8dde1;border-radius:8px;padding:11px 13px;text-align:left;box-shadow:0 8px 22px rgba(20,32,40,.07)}
.quotezone-popup p{margin:0;line-height:1.45}
.article-layout>.quotezone-cta{padding:0;margin:42px 0 34px}
.article-layout>.quotezone-cta .quotezone-cta-inner{max-width:none}
@media(max-width:820px){.quotezone-cta{margin:30px 0 26px;padding:0 16px}.quotezone-cta-inner{padding:20px 14px}.quotezone-button{font-size:17px;width:100%;padding:14px 12px}}

.qz-tip{display:inline-block;position:relative;margin-top:8px;font-size:12px;color:#5c6870;cursor:help}.qz-tip__bubble{display:none;position:absolute;left:50%;transform:translateX(-50%);bottom:calc(100% + 10px);width:min(360px,80vw);background:#172026;color:#fff;padding:12px 14px;border-radius:8px;box-shadow:0 8px 24px rgba(0,0,0,.18);z-index:100;font-size:12px;line-height:1.45;text-align:left}.qz-tip:hover .qz-tip__bubble,.qz-tip:focus-within .qz-tip__bubble{display:block}.regulatory-copy{font-size:12px!important;line-height:1.5;color:#cbd5db!important;max-width:1000px;margin:10px 0}.footer .regulatory-copy a{color:#fff}

/* Quotezone information tooltip */
.qz-tip{display:inline-block;position:relative;margin-top:10px;font-size:12px;color:#5c6870;cursor:pointer;outline:none;text-decoration:underline;text-decoration-style:dotted;text-underline-offset:3px}
.qz-tip:focus{outline:2px solid #215d7a;outline-offset:4px;border-radius:3px}
.qz-tip__bubble{display:none;position:absolute;left:50%;transform:translateX(-50%);bottom:calc(100% + 10px);width:min(390px,84vw);background:#172026;color:#fff;padding:13px 15px;border-radius:8px;box-shadow:0 10px 28px rgba(0,0,0,.22);z-index:1000;font-size:12px;line-height:1.5;text-align:left;text-decoration:none}
.qz-tip__bubble:after{content:"";position:absolute;top:100%;left:50%;margin-left:-7px;border:7px solid transparent;border-top-color:#172026}
.qz-tip:hover .qz-tip__bubble,.qz-tip:focus .qz-tip__bubble,.qz-tip.is-open .qz-tip__bubble{display:block}