:root {
  --ink: #19362f;
  --ink-soft: #466158;
  --forest: #25443b;
  --forest-dark: #17332c;
  --sage: #9eb5a8;
  --sage-pale: #e8efeb;
  --cream: #f7f3eb;
  --paper: #fffdf8;
  --terra: #b76448;
  --terra-dark: #8f4935;
  --line: #d7dfda;
  --white: #fff;
  --shadow: 0 18px 50px rgba(25, 54, 47, .12);
  --radius: 1.4rem;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  font-family: Arial, Helvetica, sans-serif;
  font-size: 1rem;
  line-height: 1.65;
  text-rendering: optimizeLegibility;
}
img, svg { display: block; max-width: 100%; }
a { color: inherit; }
button, input { font: inherit; }
.wrap { width: min(1180px, calc(100% - 2rem)); 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-link {
  position: fixed;
  top: .75rem;
  left: .75rem;
  z-index: 1000;
  padding: .75rem 1rem;
  color: var(--white);
  background: var(--forest-dark);
  border-radius: .5rem;
  transform: translateY(-160%);
}
.skip-link:focus { transform: translateY(0); }
:focus-visible { outline: 3px solid #e29a52; outline-offset: 3px; }

.site-header {
  position: relative;
  z-index: 20;
  background: rgba(255, 253, 248, .97);
  border-bottom: 1px solid var(--line);
}
.nav { min-height: 76px; display: flex; align-items: center; gap: 1.5rem; }
.brand { display: inline-flex; align-items: center; gap: .65rem; font-size: 1rem; text-decoration: none; white-space: nowrap; }
.brand strong { color: var(--terra-dark); }
.brand-mark {
  display: grid;
  width: 42px;
  height: 42px;
  place-items: center;
  color: var(--forest);
  background: var(--sage-pale);
  border-radius: 50%;
}
.brand-mark svg { width: 27px; fill: none; stroke: currentColor; stroke-width: 2.2; stroke-linecap: round; stroke-linejoin: round; }
.nav nav { display: flex; align-items: center; justify-content: center; gap: clamp(.8rem, 2vw, 1.7rem); margin-left: auto; }
.nav nav a { color: var(--ink-soft); font-size: .91rem; font-weight: 700; text-decoration: none; }
.nav nav a:hover { color: var(--terra-dark); }
.header-cta {
  padding: .7rem 1rem;
  color: var(--white);
  background: var(--forest);
  border-radius: 999px;
  font-size: .9rem;
  font-weight: 700;
  text-decoration: none;
}
.header-cta:hover { background: var(--forest-dark); }

.redirect-note { padding: .65rem 0; color: #5b3613; background: #fff0cc; text-align: center; }
.hero { position: relative; min-height: 650px; overflow: hidden; background: #d6d1c5; }
.hero-image { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; object-position: center; }
.hero-panel {
  position: relative;
  z-index: 2;
  width: 56%;
  min-height: 650px;
  display: flex;
  align-items: center;
  background: linear-gradient(90deg, rgba(23, 51, 44, .98) 0%, rgba(23, 51, 44, .94) 73%, rgba(23, 51, 44, 0) 100%);
}
.hero-copy { width: min(590px, calc(100vw - 2rem)); margin-left: max(1rem, calc((100vw - 1180px) / 2)); padding: 5rem 4rem 5rem 0; color: var(--white); }
.eyebrow { margin: 0 0 .8rem; color: #d3e5db; font-size: .76rem; font-weight: 800; letter-spacing: .14em; line-height: 1.3; text-transform: uppercase; }
.eyebrow.dark { color: var(--terra-dark); }
.eyebrow.light { color: #c8ded3; }
h1, h2, h3 { margin-top: 0; line-height: 1.12; letter-spacing: -.025em; }
h1 { max-width: 660px; margin-bottom: 1.25rem; font-family: Georgia, "Times New Roman", serif; font-size: clamp(2.75rem, 5vw, 5rem); font-weight: 500; }
h2 { margin-bottom: 1rem; font-family: Georgia, "Times New Roman", serif; font-size: clamp(2.1rem, 3.3vw, 3.35rem); font-weight: 500; }
h3 { font-size: 1.25rem; }
p { margin-top: 0; }
.hero-lead { max-width: 570px; margin-bottom: 1.8rem; color: #edf4f0; font-size: clamp(1.05rem, 1.6vw, 1.22rem); }
.hero-actions { display: flex; flex-wrap: wrap; gap: .75rem; }
.button { display: inline-flex; align-items: center; justify-content: center; min-height: 49px; padding: .75rem 1.2rem; border: 2px solid transparent; border-radius: 999px; font-weight: 800; text-align: center; text-decoration: none; transition: transform .2s, background .2s; }
.button:hover { transform: translateY(-2px); }
.button.primary { color: var(--white); background: var(--terra); }
.button.primary:hover { background: var(--terra-dark); }
.button.secondary { color: var(--white); border-color: rgba(255, 255, 255, .7); background: rgba(255, 255, 255, .06); }
.button.secondary:hover { background: rgba(255, 255, 255, .13); }
.ai-label { display: inline-block; margin-top: 1.5rem; padding: .32rem .65rem; color: #e5efea; background: rgba(0, 0, 0, .26); border-radius: .35rem; font-size: .76rem; }

.search-band { position: relative; z-index: 3; margin-top: -1px; padding: 2.1rem 0; color: var(--ink); background: var(--cream); border-bottom: 1px solid #e0d8c8; }
.search-layout { display: grid; grid-template-columns: .8fr 1.2fr; align-items: center; gap: 3rem; }
.search-layout h2 { margin-bottom: .35rem; font-size: clamp(1.65rem, 2.5vw, 2.25rem); }
.search-layout p { margin-bottom: 0; color: var(--ink-soft); }
.search-layout form label { display: block; margin-bottom: .45rem; font-size: .88rem; font-weight: 800; }
.search-box { display: flex; padding: .4rem; background: var(--white); border: 1px solid #c9d2cd; border-radius: 999px; box-shadow: 0 8px 24px rgba(25, 54, 47, .08); }
.search-box input[type="search"] { width: 100%; min-width: 0; padding: .6rem 1rem; color: var(--ink); background: transparent; border: 0; outline: 0; }
.search-box:focus-within { outline: 3px solid #e29a52; outline-offset: 2px; }
.search-box button { flex: none; padding: .65rem 1.2rem; color: var(--white); background: var(--forest); border: 0; border-radius: 999px; font-weight: 800; cursor: pointer; }

.section { padding: clamp(4.5rem, 8vw, 7.5rem) 0; scroll-margin-top: 1rem; }
.section-heading { display: grid; grid-template-columns: 1.25fr .75fr; align-items: end; gap: 4rem; margin-bottom: 3rem; }
.section-heading h2 { max-width: 750px; margin-bottom: 0; }
.section-heading > p { margin-bottom: .25rem; color: var(--ink-soft); }
.difference { background: var(--paper); }
.compare-grid { display: grid; grid-template-columns: repeat(3, 1fr); align-items: stretch; gap: 1rem; }
.compare-grid article { position: relative; padding: 2rem; background: var(--cream); border: 1px solid #e3dccf; border-radius: var(--radius); }
.compare-grid article.featured { color: var(--white); background: var(--forest); border-color: var(--forest); box-shadow: var(--shadow); }
.card-number { display: block; margin-bottom: 2.5rem; color: var(--terra-dark); font-family: Georgia, serif; font-size: .9rem; font-weight: 700; }
.featured .card-number { color: #c9ded4; }
.compare-grid h3 { font-family: Georgia, serif; font-size: 1.8rem; font-weight: 500; }
.compare-grid p, .compare-grid li { color: var(--ink-soft); }
.compare-grid .featured p, .compare-grid .featured li { color: #e5efea; }
.compare-grid ul { margin: 1.4rem 0; padding-left: 1.1rem; }
.compare-grid li { margin: .5rem 0; }
.compare-grid a { display: inline-flex; gap: .4rem; color: var(--terra-dark); font-weight: 800; text-underline-offset: .2em; }
.compare-grid .featured a { color: #fff; }

.criteria { color: var(--white); background: var(--forest-dark); }
.criteria-layout { display: grid; grid-template-columns: .75fr 1.25fr; gap: clamp(3rem, 7vw, 7rem); }
.criteria-intro { position: sticky; top: 2rem; align-self: start; }
.criteria-intro > p { color: #d2e1da; }
.measure-note { margin-top: 2rem; padding: 1.3rem; color: var(--ink); background: var(--sage-pale); border-radius: 1rem; }
.measure-note p { margin: .35rem 0 0; color: var(--ink-soft); }
.criteria-list { margin: 0; padding: 0; list-style: none; border-top: 1px solid rgba(255,255,255,.2); }
.criteria-list li { display: grid; grid-template-columns: 54px 1fr; gap: 1rem; padding: 1.45rem 0; border-bottom: 1px solid rgba(255,255,255,.2); }
.criteria-list span { color: #bcd2c7; font-family: Georgia, serif; }
.criteria-list h3 { margin-bottom: .35rem; }
.criteria-list p { margin: 0; color: #cbdad3; }

.planning { background: var(--sage-pale); }
.planning-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1rem; }
.planning-grid article { min-height: 260px; padding: 1.6rem; background: var(--paper); border-radius: 1rem; box-shadow: 0 8px 24px rgba(25,54,47,.06); }
.planning-grid article > span { display: grid; width: 46px; height: 46px; margin-bottom: 3rem; place-items: center; color: var(--white); background: var(--terra); border-radius: 50%; font-size: 1.25rem; }
.planning-grid p { margin-bottom: 0; color: var(--ink-soft); }

.insurance { background: var(--paper); }
.insurance-card { display: grid; grid-template-columns: .8fr 1.2fr; overflow: hidden; color: var(--white); background: var(--forest); border-radius: var(--radius); box-shadow: var(--shadow); }
.insurance-heading { padding: clamp(2rem, 5vw, 4rem); background: linear-gradient(135deg, var(--forest-dark), var(--forest)); }
.insurance-heading h2 { margin-bottom: 0; }
.insurance-content { padding: clamp(2rem, 5vw, 4rem); background: #2d5147; }
.insurance-content p { color: #e1ebe6; }
.source-links { display: grid; gap: .6rem; margin: 1.5rem 0; }
.source-links a { color: #fff; font-weight: 800; text-underline-offset: .2em; }
.insurance-content .status-note { margin: 1.5rem 0 0; padding-top: 1.2rem; color: #c8d8d1; border-top: 1px solid rgba(255,255,255,.2); font-size: .84rem; }

.categories { background: var(--cream); }
.category-links { display: grid; grid-template-columns: repeat(2, 1fr); gap: .8rem; }
.category-links a {
  display: grid;
  grid-template-columns: 1fr auto;
  padding: 1.3rem 1.4rem;
  color: var(--ink);
  background: var(--white);
  border: 1px solid #dfd8cb;
  border-radius: 1rem;
  text-decoration: none;
  transition: border-color .2s, transform .2s;
}
.category-links a:hover { border-color: var(--terra); transform: translateY(-2px); }
.category-links span { font-family: Georgia, serif; font-size: 1.3rem; font-weight: 700; }
.category-links small { grid-column: 1; color: var(--ink-soft); }
.category-links b { grid-column: 2; grid-row: 1 / span 2; align-self: center; color: var(--terra-dark); font-size: 1.3rem; }

.faq { background: var(--paper); }
.faq-layout { display: grid; grid-template-columns: .7fr 1.3fr; gap: clamp(3rem, 7vw, 7rem); }
.accordion { border-top: 1px solid var(--line); }
.accordion details { border-bottom: 1px solid var(--line); }
.accordion summary { position: relative; padding: 1.4rem 2.5rem 1.4rem 0; font-size: 1.05rem; font-weight: 800; cursor: pointer; list-style: none; }
.accordion summary::-webkit-details-marker { display: none; }
.accordion summary::after { content: "+"; position: absolute; right: .4rem; top: 1.15rem; color: var(--terra-dark); font-size: 1.65rem; font-weight: 400; }
.accordion details[open] summary::after { content: "–"; }
.accordion details p { padding-right: 2rem; color: var(--ink-soft); }

.final-cta { padding: 3.5rem 0; color: var(--white); background: var(--terra-dark); }
.final-cta-inner { display: flex; align-items: center; justify-content: space-between; gap: 2rem; }
.final-cta h2 { max-width: 730px; margin-bottom: 0; }
.final-cta .eyebrow { color: #f0c6b8; }
.final-cta .button.primary { flex: none; color: var(--terra-dark); background: var(--white); }

.site-footer { padding: 4rem 0 1.5rem; color: #d8e4de; background: #102720; }
.footer-main { display: grid; grid-template-columns: 1.3fr .7fr; gap: 4rem; padding-bottom: 3rem; }
.footer-brand { margin-bottom: 1.3rem; color: var(--white); }
.footer-main p { max-width: 720px; color: #afc2b9; }
.footer-main nav { display: flex; align-items: start; justify-content: flex-end; gap: 1.5rem; }
.footer-main nav a { color: var(--white); font-weight: 800; text-underline-offset: .2em; }
.footer-bottom { display: flex; justify-content: space-between; gap: 1rem; padding-top: 1.3rem; color: #91a99e; border-top: 1px solid rgba(255,255,255,.14); font-size: .84rem; }

@media (max-width: 980px) {
  .nav { flex-wrap: wrap; padding-block: .8rem; }
  .nav nav { order: 3; width: 100%; justify-content: flex-start; overflow-x: auto; padding-top: .5rem; border-top: 1px solid var(--line); }
  .header-cta { margin-left: auto; }
  .hero, .hero-panel { min-height: 610px; }
  .hero-panel { width: 66%; }
  .compare-grid { grid-template-columns: 1fr; }
  .planning-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 760px) {
  .wrap { width: min(100% - 1.25rem, 1180px); }
  .brand { font-size: .88rem; }
  .brand-mark { width: 36px; height: 36px; }
  .header-cta { padding: .6rem .8rem; font-size: .8rem; }
  .nav nav { gap: 1.2rem; }
  .hero { display: flex; min-height: auto; padding-top: 290px; background: var(--forest-dark); }
  .hero-image { height: 310px; object-position: 67% center; }
  .hero-panel { width: 100%; min-height: auto; background: linear-gradient(180deg, rgba(23,51,44,0), var(--forest-dark) 2.5rem); }
  .hero-copy { width: 100%; margin: 0; padding: 4.5rem .8rem 3.5rem; }
  h1 { font-size: clamp(2.55rem, 12vw, 4rem); }
  .hero-actions { align-items: stretch; flex-direction: column; }
  .search-layout, .section-heading, .criteria-layout, .insurance-card, .faq-layout, .footer-main { grid-template-columns: 1fr; }
  .search-layout, .section-heading, .criteria-layout, .faq-layout { gap: 2rem; }
  .search-box { border-radius: .9rem; }
  .search-box input[type="search"] { padding-inline: .7rem; }
  .search-box button { padding-inline: .9rem; border-radius: .7rem; }
  .criteria-intro { position: static; }
  .planning-grid, .category-links { grid-template-columns: 1fr; }
  .planning-grid article { min-height: 220px; }
  .final-cta-inner { align-items: stretch; flex-direction: column; }
  .footer-main { gap: 2rem; }
  .footer-main nav { justify-content: flex-start; }
  .footer-bottom { flex-direction: column; }
}

@media (max-width: 430px) {
  .brand > span:last-child { max-width: 190px; white-space: normal; line-height: 1.15; }
  .header-cta { display: none; }
  .nav nav a { font-size: .84rem; }
  .search-box { display: grid; }
  .search-box button { width: 100%; }
  .compare-grid article { padding: 1.5rem; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition: none !important; }
}

@media (forced-colors: active) {
  .button, .header-cta, .search-box button { border: 2px solid ButtonText; }
}