/* InsuranceCalculators.com, insurance archetype theme, rebuilt 2026-07-02 */
:root{
  --c-ink:#18252f;--c-ink2:#2d3f4d;--c-muted:#606d76;--c-line:rgba(24,37,47,.12);
  --c-line2:rgba(24,37,47,.22);--c-bg:#f2f6f8;--c-card:#ffffff;--c-pop:#42859a;
  --c-pop2:#86bbcb;--c-pop-dk:#2a5f6f;--c-tint:#e9f3f7;--c-good:#3f8361;
  --c-shadow:0 1px 0 rgba(24,37,47,.03),0 10px 26px rgba(24,37,47,.08);
  --c-shadow-lg:0 20px 48px rgba(24,37,47,.15);--c-radius:10px;--c-maxw:1120px;
  --c-head:'Bitter',Georgia,serif;--c-body:'Public Sans',system-ui,sans-serif;
  --c-mono:'IBM Plex Mono',ui-monospace,'SF Mono',Menlo,monospace;
}
*{box-sizing:border-box}html{scroll-behavior:smooth}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{animation-duration:.01ms !important;animation-iteration-count:1 !important;transition-duration:.01ms !important}}
body{margin:0;font-family:var(--c-body);color:var(--c-ink);background:var(--c-bg);
  line-height:1.64;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}a{color:var(--c-pop-dk);text-decoration:none}
a:hover{text-decoration:underline}
.wrap{max-width:var(--c-maxw);margin:0 auto;padding:0 22px}
h1,h2,h3,h4{font-family:var(--c-head);line-height:1.15;margin:0 0 .5em;color:var(--c-ink);font-weight:700}
h1{font-size:clamp(2rem,4.4vw,3.1rem);font-weight:700;letter-spacing:-.3px}
h2{font-size:clamp(1.45rem,2.8vw,1.95rem);font-weight:700;letter-spacing:-.1px}
h3{font-size:1.15rem;font-weight:700}p{margin:0 0 1rem}
.mono,.result-row .val,.stat-fig,.spec-label{font-family:var(--c-mono);font-variant-numeric:tabular-nums}
:focus-visible{outline:2px solid var(--c-pop-dk);outline-offset:2px}

/* header: light per config, hairline not a heavy band */
.site-header{position:sticky;top:0;z-index:50;background:rgba(242,246,248,.94);
  backdrop-filter:saturate(140%) blur(6px);border-bottom:1px solid var(--c-line2)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;height:66px}
.brand{display:flex;align-items:center;gap:11px}.brand:hover{text-decoration:none}
.site-header .brand .name{font-family:var(--c-head);font-weight:700;font-size:1.2rem;color:var(--c-ink);line-height:1}
.brand .name .accent{color:var(--c-pop-dk)}
.site-header .brand .tag{display:block;font-size:.6rem;letter-spacing:1.8px;text-transform:uppercase;
  color:var(--c-muted);margin-top:3px;font-weight:600}
.nav{display:flex;align-items:center;gap:2px}
.nav a{color:var(--c-ink2);font-weight:600;font-size:.83rem;padding:9px 12px;border-radius:8px}
.nav a:hover{color:var(--c-pop-dk);background:var(--c-tint);text-decoration:none}
.nav a.cta{background:var(--c-pop);color:#ffffff}.nav a.cta:hover{background:var(--c-pop-dk);color:#fff}
.menu-btn{display:none;background:none;border:1px solid var(--c-line2);border-radius:8px;
  width:42px;height:38px;color:var(--c-ink);font-size:1.2rem;cursor:pointer}
@media(max-width:760px){.menu-btn{display:block}
  .nav{position:absolute;top:66px;left:0;right:0;background:var(--c-bg);flex-direction:column;
    align-items:stretch;gap:0;padding:8px 14px 16px;display:none;border-bottom:1px solid var(--c-line2)}
  .nav.open{display:flex}.nav a{padding:13px 12px;border-bottom:1px solid var(--c-line)}
  .nav a.cta{margin-top:8px;text-align:center}}

/* hero: SPLIT-SCREEN variance, literal two-tone panels above 820px */
.hero{position:relative;background:var(--c-bg);color:var(--c-ink);overflow:hidden}
.hero-grid{display:grid;grid-template-columns:1fr 1fr;align-items:stretch}
.hero-grid .panel-l{background:var(--c-ink);color:#fff;padding:56px 34px 56px max(22px,calc((100vw - var(--c-maxw))/2 + 22px));
  display:flex;flex-direction:column;justify-content:center;position:relative}
.hero-grid .panel-l::before{content:"";position:absolute;inset:0;opacity:.7;pointer-events:none;
  background:radial-gradient(760px 340px at -8% 110%,rgba(66,133,154,.30),transparent 62%)}
.hero-grid .panel-r{background:var(--c-bg);padding:56px max(22px,calc((100vw - var(--c-maxw))/2 + 22px)) 56px 34px;
  display:flex;flex-direction:column;justify-content:center}
@media(max-width:820px){.hero-grid{grid-template-columns:1fr}
  .hero-grid .panel-l,.hero-grid .panel-r{padding:40px 22px}}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-weight:700;text-transform:uppercase;
  letter-spacing:1.8px;font-size:.72rem;color:var(--c-pop2);margin-bottom:14px}
.eyebrow::before{content:"";width:22px;height:2px;background:var(--c-pop2);display:inline-block}
.hero h1{color:#fff;max-width:14ch;position:relative}.hero h1 em{color:var(--c-pop2);font-style:italic}
.hero p.sub{font-size:1.1rem;color:rgba(255,255,255,.86);max-width:48ch;margin:6px 0 24px;position:relative}
.hero .actions{display:flex;flex-wrap:wrap;gap:12px;position:relative}
.hero-mascot{margin-top:28px;max-width:280px;position:relative}
@media(max-width:820px){.hero-mascot{margin:22px auto 0}}

.btn{display:inline-flex;align-items:center;gap:9px;font-family:var(--c-body);font-weight:700;
  font-size:.94rem;padding:12px 22px;border-radius:var(--c-radius);border:0;cursor:pointer;transition:.15s;text-decoration:none}
.btn-primary{background:var(--c-pop);color:#ffffff}
.btn-primary:hover{background:var(--c-pop-dk);text-decoration:none}
.btn-primary:active{transform:scale(.98)}
.btn-ghost{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.4)}
.btn-ghost:hover{border-color:#fff;text-decoration:none}
.btn-ghost:active{transform:scale(.98)}
.btn-quiet{background:transparent;color:var(--c-ink);border:1.5px solid var(--c-line2)}
.btn-quiet:hover{border-color:var(--c-pop-dk);color:var(--c-pop-dk);text-decoration:none}
.btn-quiet:active{transform:scale(.98)}
.btn-block{width:100%;justify-content:center}

/* hero calculator tile (lifted flagship tool, right panel) */
.hero-tool{background:var(--c-card);border:1px solid var(--c-line);border-radius:calc(var(--c-radius) + 4px);
  box-shadow:var(--c-shadow-lg);padding:24px}
.hero-tool h2{font-size:.98rem;margin:0 0 16px;color:var(--c-muted);font-family:var(--c-body);font-weight:700;
  text-transform:uppercase;letter-spacing:1px}
.hero-tool .field{margin-bottom:12px}
.hero-tool .field label{display:block;font-weight:600;font-size:.78rem;color:var(--c-ink2);margin-bottom:5px}
.hero-tool .field select,.hero-tool .field input{width:100%;padding:10px 11px;border:1.5px solid var(--c-line2);
  border-radius:8px;font-size:.94rem;font-family:var(--c-body);background:#fff;color:var(--c-ink)}
.hero-answer{background:var(--c-tint);border-radius:8px;padding:14px 16px;margin-top:14px}
.hero-answer p{margin:0;font-size:.92rem;color:var(--c-ink2)}
.hero-fig{font-family:var(--c-mono);font-size:1.9rem;font-weight:600;color:var(--c-pop-dk);line-height:1}
.hero-fig-lbl{font-size:.76rem;color:var(--c-muted);margin-top:2px}
.authority-strip{display:flex;flex-wrap:wrap;gap:7px 14px;font-size:.75rem;color:var(--c-muted);
  border-top:1px solid var(--c-line);padding-top:12px;margin-top:14px}
.authority-strip span{display:inline-flex;align-items:center;gap:6px}
.authority-strip .dot{color:var(--c-pop)}
.browse-all{margin-top:18px;text-align:center}

.trust{background:var(--c-ink2);color:rgba(255,255,255,.88)}
.trust .wrap{display:flex;flex-wrap:wrap;justify-content:center;gap:12px 32px;padding:14px 22px;
  font-size:.8rem;font-weight:500}.trust span{display:inline-flex;align-items:center;gap:8px}
.trust .dot{color:var(--c-pop2)}

section{padding:58px 0}.section-head{text-align:center;max-width:60ch;margin:0 auto 34px}
.section-head .kicker{font-family:var(--c-body);text-transform:uppercase;letter-spacing:1.6px;
  color:var(--c-pop-dk);font-size:.78rem;font-weight:700;margin-bottom:8px}
.section-head p{color:var(--c-muted)}

.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:18px}
.card{background:var(--c-card);border:1px solid var(--c-line);border-radius:var(--c-radius);padding:24px;
  transition:.16s;display:flex;flex-direction:column;box-shadow:none}
.card:hover{transform:translateY(-3px);box-shadow:var(--c-shadow);text-decoration:none;border-color:var(--c-line2)}
.card .ico{width:44px;height:44px;border-radius:9px;background:var(--c-tint);display:flex;
  align-items:center;justify-content:center;margin-bottom:15px}
.card .ico svg{width:24px;height:24px}
.card h3{margin-bottom:7px}.card p{color:var(--c-muted);font-size:.92rem;margin:0 0 16px;flex:1}
.card .go{font-family:var(--c-body);font-weight:700;font-size:.85rem;color:var(--c-pop-dk)}

.tool-hero{background:var(--c-card);color:var(--c-ink);border-bottom:1px solid var(--c-line2)}
.tool-hero .wrap{padding:38px 22px 34px;position:relative}
.tool-hero .crumbs{font-size:.8rem;color:var(--c-muted);margin-bottom:12px;font-weight:600}
.tool-hero .crumbs a{color:var(--c-pop-dk)}.tool-hero h1{color:var(--c-ink)}
.tool-hero p{color:var(--c-ink2);max-width:60ch;margin:0}
body:not(:has(.calc-layout)) .tool-hero .wrap{max-width:760px}

.calc-layout{display:grid;grid-template-columns:1.05fr .95fr;gap:26px;margin-top:8px;position:relative;z-index:5}
@media(max-width:860px){.calc-layout{grid-template-columns:1fr}}
.panel{background:var(--c-card);border:1px solid var(--c-line);border-radius:var(--c-radius);
  box-shadow:var(--c-shadow);padding:26px}.panel h2{font-size:1.15rem;margin-bottom:18px}
.field{margin-bottom:15px}.field label{display:block;font-weight:600;font-size:.82rem;
  color:var(--c-ink2);margin-bottom:6px}
.field input,.field select{width:100%;padding:12px 13px;border:1.5px solid var(--c-line2);border-radius:8px;
  font-size:1rem;font-family:var(--c-body);background:#fff;color:var(--c-ink)}
.field input:focus,.field select:focus{outline:none;border-color:var(--c-pop);
  box-shadow:0 0 0 3px rgba(66,133,154,.20)}
.results .panel{background:var(--c-ink);border:0;color:#fff;height:100%}.results h2{color:#fff}
.result-row{display:flex;justify-content:space-between;align-items:baseline;gap:12px;padding:14px 0;
  border-bottom:1px solid rgba(255,255,255,.1)}.result-row:last-child{border-bottom:0}
.result-row .lbl{color:rgba(255,255,255,.7);font-weight:600;font-size:.9rem;font-family:var(--c-body)}
.result-row .val{font-weight:600;font-size:1.4rem;color:var(--c-pop2)}
.result-row.hero-result .val{font-size:2rem;color:#fff}
.note{font-size:.82rem;color:var(--c-muted);margin-top:14px}.results .note{color:rgba(255,255,255,.55)}
.results .authority-strip{border-top-color:rgba(255,255,255,.14);color:rgba(255,255,255,.55)}
.results .authority-strip .dot{color:var(--c-pop2)}

.prose{max-width:760px;margin:0 auto}.prose p{color:var(--c-ink2)}.lead{font-size:1.1rem;color:var(--c-ink2)}
.callout{background:var(--c-tint);border-left:3px solid var(--c-pop);border-radius:0 8px 8px 0;
  padding:16px 20px;margin:22px 0}
.definition{background:var(--c-card);border:1px solid var(--c-line);border-radius:var(--c-radius);
  padding:18px 20px;margin:22px 0}
.definition h3{margin-bottom:6px;font-size:1rem}
table.data-table,.prose table{width:100%;border-collapse:collapse;margin:20px 0;font-size:.92rem}
table.data-table th,table.data-table td,.prose table th,.prose table td{padding:10px 12px;border-bottom:1px solid var(--c-line);text-align:left;vertical-align:top}
table.data-table th,.prose table th{font-family:var(--c-body);font-weight:700;font-size:.76rem;text-transform:uppercase;
  letter-spacing:.5px;color:var(--c-muted);border-bottom:2px solid var(--c-ink)}
table.data-table td.num,.prose table td:nth-child(2),.prose table td:nth-child(3){font-family:var(--c-mono);font-variant-numeric:tabular-nums;white-space:nowrap}
.spec-label{display:block;font-size:.72rem;letter-spacing:.08em;text-transform:uppercase;color:var(--c-muted);
  margin:26px 0 8px;font-weight:600}
.cite-box{background:var(--c-tint);border:1px solid var(--c-line);border-radius:var(--c-radius);
  padding:14px 18px;margin:22px 0;font-size:.86rem;color:var(--c-ink2)}
.cite-box code{font-family:var(--c-mono);font-size:.82rem;background:#fff;padding:2px 6px;border-radius:4px}

.faq{max-width:760px;margin:0 auto}.faq details{background:var(--c-card);border:1px solid var(--c-line);
  border-radius:9px;padding:2px 20px;margin-bottom:12px;box-shadow:none}
.faq summary{font-family:var(--c-head);font-weight:600;font-size:1.03rem;cursor:pointer;padding:16px 0;
  list-style:none;display:flex;justify-content:space-between;align-items:center;gap:14px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.4rem;color:var(--c-pop);font-weight:300}
.faq details[open] summary::after{content:"-"}.faq details p{color:var(--c-ink2);margin:0 0 16px}
.alt{background:var(--c-tint)}

/* voice band: one blunt full-bleed accent sentence */
.voice-band{background:var(--c-pop);color:#fff;text-align:center}
.voice-band .wrap{padding:44px 22px}
.voice-band p{margin:0;font-family:var(--c-head);font-weight:700;font-size:clamp(1.25rem,3vw,1.7rem);
  line-height:1.3;max-width:26ch;margin:0 auto}

.supplier{background:var(--c-ink2);border-radius:var(--c-radius);padding:30px;text-align:center;color:#fff;margin:36px 0}
.supplier h3{color:#fff;font-size:1.25rem;margin-bottom:8px}
.supplier p{color:rgba(255,255,255,.8);max-width:52ch;margin:0 auto 18px}
.supplier .actions{display:flex;flex-wrap:wrap;gap:12px;justify-content:center}

.form-card{max-width:560px;margin:0 auto;background:var(--c-card);border:1px solid var(--c-line);
  border-radius:var(--c-radius);padding:30px;box-shadow:none}
textarea{width:100%;padding:12px 13px;border:1.5px solid var(--c-line2);border-radius:8px;font-size:1rem;
  font-family:var(--c-body);min-height:130px;resize:vertical}
textarea:focus{outline:none;border-color:var(--c-pop);box-shadow:0 0 0 3px rgba(66,133,154,.20)}

/* footer: dark, grid never flex (hard rule), brand forced visible */
.site-footer{background:var(--c-ink);color:rgba(255,255,255,.65);margin-top:20px}
.site-footer .wrap{padding:44px 22px 26px}
.foot-grid,footer .cols{display:grid;grid-template-columns:1.8fr 1fr 1fr;gap:32px;align-items:start;margin-bottom:30px}
.foot-grid a,footer .cols a{display:block;margin:0 0 9px}
@media(max-width:760px){.foot-grid,footer .cols{grid-template-columns:1fr 1fr}}
.foot-grid .blurb{max-width:34ch;font-size:.9rem;margin-top:12px}
.foot-col h4{font-family:var(--c-body);font-size:.85rem;color:#fff;margin-bottom:14px;text-transform:uppercase;letter-spacing:.5px}
.foot-col a{display:block;color:rgba(255,255,255,.65);font-size:.9rem;padding:5px 0}
.foot-col a:hover{color:var(--c-pop2);text-decoration:none}
.site-footer .brand svg rect{fill:#fff}
.site-footer .brand .name{color:#fff}
.foot-bottom{border-top:1px solid rgba(255,255,255,.12);padding-top:20px;display:flex;flex-wrap:wrap;
  justify-content:space-between;gap:12px;font-size:.8rem;color:rgba(255,255,255,.45)}
.disclosure{background:rgba(0,0,0,.22);color:rgba(255,255,255,.5);font-size:.76rem;text-align:center;padding:14px 22px}
.related-mesh a{color:rgba(255,255,255,.7)}.related-mesh a:hover{color:#fff}

/* cookie consent banner, recolored */
#cc-banner{background:var(--c-ink) !important;border-top:1px solid rgba(255,255,255,.12)}
#cc-acc{background:var(--c-pop) !important;color:#fff !important;border:0 !important;border-radius:8px !important;
  padding:8px 16px !important;cursor:pointer !important;font-weight:600 !important;font-family:var(--c-body)}
#cc-acc:hover{background:var(--c-pop-dk) !important}
#cc-rej{background:transparent !important;color:rgba(255,255,255,.8) !important;border:1px solid rgba(255,255,255,.25) !important;
  border-radius:8px !important;padding:8px 16px !important;cursor:pointer !important;font-family:var(--c-body)}
.center{text-align:center}

/* byline */
.byline{display:flex;align-items:center;gap:12px;margin:18px 0 24px;padding:14px 16px;
  background:var(--c-card);border:1px solid var(--c-line);border-radius:var(--c-radius)}
.byline img{border-radius:50%;object-fit:cover}
.byline .name{font-weight:700;font-size:1.02rem;color:var(--c-ink)}
.byline .role{font-size:.85rem;color:var(--c-muted)}