:root{
  --ink:#2A3644; --slate:#4E5D6C; --dusk:#2E4B69; --blue:#446C95;
  --sky:#EBF1F5; --paper:#F8FAFC; --shell:#C9D8E4; --warm:#446C95; --blue-deep:#1F3A52;
  --line:#D8DEE4; --max:1160px;
  --tint:#DCE8F1; --tint-line:#BFD4E4;
  --shadow:0 1px 3px rgba(31,58,82,.07),0 14px 34px rgba(31,58,82,.06);
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Lato',Helvetica,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.65;font-size:17px;-webkit-font-smoothing:antialiased}
h1,h2,h3{font-family:'Carlito','Lato',sans-serif;color:var(--dusk);line-height:1.18;font-weight:700}
h2{font-size:2.12rem;margin-bottom:.55em;letter-spacing:-.01em}
h3{font-size:1.22rem;margin-bottom:.35em}
p{margin-bottom:1em}
a{color:var(--blue)}
.wrap{max-width:var(--max);margin:0 auto;padding:0 24px}
.eyebrow{font-size:.78rem;letter-spacing:.22em;text-transform:uppercase;color:var(--warm);font-weight:700;margin-bottom:14px}
.eyebrow::before{content:"";display:inline-block;width:26px;height:2px;background:var(--blue);vertical-align:middle;margin-right:11px;border-radius:2px}
.lede{font-size:1.16rem;color:var(--slate);max-width:46em}
.btn{display:inline-block;background:var(--dusk);color:#fff;text-decoration:none;padding:15px 32px;border-radius:999px;font-weight:700;letter-spacing:.02em;font-size:1rem}
.btn:hover{background:var(--blue)}
.btn.ghost{background:transparent;color:var(--dusk);border:1.5px solid var(--dusk)}
section{padding:96px 0}
.alt{background:var(--tint);border-top:1px solid var(--tint-line);border-bottom:1px solid var(--tint-line)}
.band-dark{background:linear-gradient(180deg,#2E4B69 0%,#1F3A52 100%);color:#DCE5EC}
.band-dark h2{color:#fff}
.band-dark .eyebrow{color:#A9C6DE}
.band-dark p{color:#DCE5EC}
.band-dark .stat{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.28);border-radius:12px}
.band-dark .source{color:#A9C6DE}
header.site{position:sticky;top:0;background:rgba(248,250,252,.97);border-bottom:1px solid var(--line);z-index:50}
.nav{display:flex;align-items:center;justify-content:space-between;padding-top:14px;padding-bottom:14px;gap:16px}
.navlinks a.btn{color:#fff}
.brand{font-family:'Carlito',sans-serif;font-size:1.45rem;font-weight:700;color:var(--dusk);text-decoration:none;letter-spacing:.01em}
.brand small{display:block;font-family:'Lato',sans-serif;font-size:.68rem;letter-spacing:.24em;text-transform:uppercase;color:var(--warm);font-weight:700}
.navlinks{display:flex;gap:26px;align-items:center}
.navlinks a{color:var(--ink);text-decoration:none;font-size:.95rem}
.navlinks a:hover{color:var(--blue)}
.navlinks .btn{padding:10px 20px;font-size:.92rem}
.hero{padding:104px 0 88px;background:linear-gradient(180deg,#E9F2F8 0%,var(--paper) 85%);border-bottom:1px solid var(--line)}
.hero h1{font-size:2.9rem;max-width:15em;margin-bottom:.45em}
.hero h1 .hl{color:var(--blue)}
.hero .sub{font-size:1.22rem;color:var(--slate);max-width:40em;margin-bottom:1.6em}
.trustline{margin-top:26px;font-size:.94rem;color:var(--slate);border-top:1px solid var(--line);padding-top:18px;max-width:52em}
.trustline strong{color:var(--dusk)}
.cards{display:grid;grid-template-columns:repeat(2,1fr);gap:22px;margin-top:34px}
.card{background:#fff;border:1px solid #C4D6E4;border-top:3px solid var(--blue);padding:30px 30px 14px;border-radius:12px;box-shadow:var(--shadow)}
.card p{color:var(--slate)}
.diffgrid{display:grid;grid-template-columns:repeat(2,1fr);gap:22px;margin-top:34px}
.diff{background:#fff;border:1px solid #C4D6E4;padding:30px;border-radius:12px;box-shadow:var(--shadow)}
.diff .num{font-family:'Carlito',sans-serif;font-size:2rem;color:var(--blue);font-weight:700;line-height:1}
.diff p{color:var(--slate);margin-bottom:0}
.ladder{margin-top:34px;border-left:3px solid var(--tint-line);padding-left:30px}
.step{margin-bottom:30px;position:relative}
.step::before{content:"";position:absolute;left:-41px;top:6px;width:17px;height:17px;border-radius:50%;background:#fff;border:3px solid var(--dusk)}
.step p{color:var(--slate);max-width:46em;margin-bottom:0}
.chips{display:flex;flex-wrap:wrap;gap:10px;margin-top:26px}
.chip{border:1px solid var(--blue);color:var(--dusk);border-radius:999px;padding:8px 18px;font-size:.95rem;background:#fff}
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:34px;text-align:center}
.stat{background:var(--dusk);color:#fff;border-radius:12px;padding:32px 20px}
.stat .big{font-family:'Carlito',sans-serif;font-size:2.6rem;font-weight:700;display:block;color:var(--sky)}
.stat p{color:#DCE5EC;margin-bottom:0;font-size:.98rem}
.source{font-size:.85rem;color:var(--slate);margin-top:16px}
.costgrid{display:grid;grid-template-columns:1fr 1fr;gap:40px;margin-top:10px}
.price{font-family:'Carlito',sans-serif;font-size:1.6rem;color:var(--dusk);font-weight:700}
ul.plain{list-style:none}
ul.plain li{padding:7px 0;border-bottom:1px solid var(--line);color:var(--slate)}
ul.plain li strong{color:var(--ink)}
.states{columns:3;column-gap:34px;color:var(--slate);font-size:.98rem;line-height:2}
.about{display:grid;grid-template-columns:300px 1fr;gap:44px;align-items:start}
.about img{width:100%;border-radius:4px;border:1px solid var(--line)}
.credline{font-size:.86rem;color:var(--slate);border-top:1px solid var(--line);padding-top:14px;margin-top:8px}
.faq{margin-top:26px}
.faq details{background:#fff;border:1px solid #C4D6E4;border-radius:12px;margin-bottom:12px;padding:20px 24px;box-shadow:0 1px 3px rgba(31,58,82,.05)}
.faq summary{font-family:'Carlito',sans-serif;font-size:1.15rem;font-weight:700;color:var(--dusk);cursor:pointer}
.faq details p{color:var(--slate);margin:12px 0 4px}
.crisis{background:var(--sky);border:1px solid var(--line);border-radius:12px;padding:30px 32px}
.crisis h3{color:var(--warm)}
.crisis p{margin-bottom:.5em;color:var(--ink)}
.finalcta{text-align:center}
.finalcta h2{max-width:22em;margin-left:auto;margin-right:auto}
footer.site{background:var(--ink);color:#C9D3DC;padding:56px 0 40px;font-size:.95rem}
footer.site a{color:#fff}
footer.site .cols{display:grid;grid-template-columns:2fr 1fr 1fr;gap:36px;margin-bottom:34px}
footer.site h4{color:#fff;font-family:'Carlito',sans-serif;font-size:1.1rem;margin-bottom:10px}
footer.site ul{list-style:none}
footer.site li{padding:3px 0}
.fineprint{border-top:1px solid #43536A;padding-top:18px;font-size:.85rem;color:#93A3B1}
@media (max-width:900px){
  .cards,.diffgrid,.stats,.costgrid{grid-template-columns:1fr}
  .about{grid-template-columns:1fr}
  .about img{max-width:300px}
  .states{columns:2}
  .hero h1{font-size:2.1rem}
  h2{font-size:1.6rem}
  .navlinks a:not(.btn){display:none}
  .hero .btn{margin:0 10px 10px 0 !important}
  footer.site .cols{grid-template-columns:1fr}
  section{padding:64px 0}
}
.crumb{font-size:.88rem;color:var(--slate);padding:26px 0 0}
.crumb a{color:var(--blue);text-decoration:none}
.pagehead{padding:34px 0 10px}
.resources{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;margin-top:30px}
.resource{background:#fff;border:1px solid #C4D6E4;border-left:4px solid var(--dusk);border-radius:12px;padding:22px 24px;box-shadow:var(--shadow)}
.resource .big{font-family:'Carlito',sans-serif;font-size:1.5rem;font-weight:700;color:var(--dusk);display:block;margin-bottom:2px}
.resource p{color:var(--slate);margin-bottom:0}
.grounding{background:var(--sky);border-radius:4px;padding:28px 30px;margin-top:30px}
.article{max-width:46em}
.article p{color:#3B4756}
.article h2{font-size:1.55rem;margin:1.4em 0 .5em}
.article h3{margin:1.2em 0 .4em}
.article ul{margin:0 0 1em 1.2em;color:#3B4756}
.article li{margin-bottom:.45em}
.srcs{font-size:.88rem;color:var(--slate);border-top:1px solid var(--line);padding-top:16px;margin-top:34px}
.srcs li{margin-bottom:.3em}
.disclaimer{font-size:.88rem;color:var(--slate);font-style:italic;margin-top:18px}
.postlist{display:grid;grid-template-columns:repeat(2,1fr);gap:22px;margin-top:34px}
.postcard{background:#fff;border:1px solid #C4D6E4;border-top:3px solid var(--blue);border-radius:12px;padding:26px 28px;box-shadow:var(--shadow)}
.postcard h3 a{color:var(--dusk);text-decoration:none}
.postcard p{color:var(--slate)}
.postcard .meta{font-size:.85rem;color:var(--warm);letter-spacing:.08em;text-transform:uppercase;font-weight:700}
.ctaband{background:var(--dusk);color:#fff;border-radius:14px;padding:34px;text-align:center;margin-top:40px}
.ctaband h2{color:#fff}
.ctaband p{color:#DCE5EC}
.ctaband .btn{background:#fff;color:var(--dusk)}
@media (max-width:900px){.resources,.postlist{grid-template-columns:1fr}}
.brand{display:flex;align-items:center}
.brand span{display:flex;flex-direction:column;line-height:1.12}
.brandmark{height:46px;width:46px;border-radius:11px;margin-right:12px}
.navlinks{gap:17px}
.navlinks a{font-size:.9rem}
.crisis-pill{border:1.5px solid var(--warm);color:var(--warm)!important;border-radius:999px;padding:7px 15px;font-weight:700;white-space:nowrap}
header.site.dark{background:var(--ink);border-bottom:1px solid #43536A}
header.site.dark .navlinks a{color:#DCE5EC}
header.site.dark .navlinks a.btn{background:var(--shell);color:var(--ink)}
header.site.dark .brand{color:#EDF2F7}
header.site.dark .brand small{color:#C9D8E4}
header.site.dark .brandtext{color:#EDF2F7}
header.site.dark .crisis-pill{border-color:var(--shell);color:var(--shell)!important}
.homelockup{height:84px;width:auto;display:block}
@media (max-width:1180px){.navlinks{gap:11px}.navlinks a{font-size:.83rem}}
@media (max-width:900px){.navlinks a:not(.btn):not(.crisis-pill){display:none}}
@media (max-width:900px){.navlinks .crisis-pill{display:inline-block}}
@media (max-width:900px){header .navlinks a.crisis-pill{display:inline-block}}
@media (max-width:900px){.nav{gap:10px}.homelockup{height:64px}.brandmark{height:36px;width:36px;margin-right:8px}.navlinks{gap:9px}.navlinks .btn{padding:10px 13px;font-size:.85rem;white-space:nowrap}.crisis-pill{padding:6px 12px;font-size:.85rem}}
@media (max-width:560px){.homelockup{height:54px}.crisis-pill{font-size:.78rem;padding:5px 10px}.navlinks .btn{font-size:.8rem;padding:9px 11px}.navlinks{gap:8px}}
.brandtext{display:none}
@media (max-width:560px){.homelockup{display:block}.brandtext{display:none}}
@media (max-width:560px){.navlinks .btn{white-space:normal;max-width:126px;text-align:center;line-height:1.25}}
@media (max-width:560px){.brandtext{display:none}.heademblem{height:34px;width:auto}.nav{flex-wrap:wrap}.navlinks{width:100%;margin-left:0;display:flex;align-items:center}.navlinks .btn{flex:1;max-width:none;margin-left:10px}}

.cov-search{width:100%;max-width:420px;margin-top:2.2rem;
    font-family:'Lato',sans-serif;font-size:1.05rem;padding:.9rem 1.3rem;
    border:1.5px solid var(--line);border-radius:999px;background:#fff;color:var(--ink);}
.cov-search::placeholder{color:#98A6B2}
.cov-search:focus{outline:2px solid var(--blue);outline-offset:2px}
.cov-status{margin:1.4rem 0 1.6rem;font-family:'Carlito',sans-serif;font-size:1.3rem;font-style:italic;color:var(--blue-deep);min-height:1.8em}
.cov-status.yes{color:var(--blue)}
.state{font-family:'Lato',sans-serif;font-size:.92rem;font-weight:700;letter-spacing:.05em;
    padding:.55rem 0;text-align:center;border-radius:10px;cursor:pointer;
    border:1px solid var(--line);background:#fff;color:#B4BFC9;transition:all .15s ease;}
.state.covered{color:var(--dusk);border-color:#B7CBDB;background:var(--sky)}
.state.covered:hover{background:var(--blue);color:#fff;border-color:var(--blue)}
.state.dim{opacity:.25}
.state.hit{outline:2px solid var(--blue);outline-offset:1px}
.cov-legend{display:flex;gap:1.6rem;margin-top:1.4rem;font-size:.92rem;color:var(--slate);flex-wrap:wrap}
.cov-legend span{display:flex;align-items:center;gap:.5rem}
.swatch{width:14px;height:14px;border-radius:4px;border:1px solid var(--line)}
.swatch.on{background:var(--sky);border-color:#B7CBDB}
.ins-list{margin-top:3rem}
.ins-list h3{font-family:'Carlito',sans-serif;font-size:.86rem;letter-spacing:.16em;color:var(--blue);font-weight:700;margin:1.8rem 0 1rem}
.ins-list h3:first-of-type{margin-top:0}
.ins-chips{display:flex;flex-wrap:wrap;gap:.5rem}
.ins-chips span{background:#fff;border:1px solid var(--line);border-radius:10px;padding:.45rem .95rem;font-size:.94rem;font-weight:500;color:var(--ink)}
.benefits-card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:clamp(1.2rem,2.5vw,1.8rem);box-shadow:0 4px 24px rgba(46,75,105,.05);max-width:760px}
.benefits-card iframe{width:100%;border:0;border-radius:12px;display:block;background:#fff}
.benefits-lead{color:var(--slate);margin-bottom:1rem}
.benefits-powered{margin-top:.8rem;font-family:'Carlito',sans-serif;font-size:.74rem;letter-spacing:.14em;text-transform:uppercase;color:var(--slate);font-weight:700}
.benefits-powered a{color:var(--blue)}
.ins-note{margin-top:1.1rem;font-size:.98rem;color:var(--slate);max-width:66ch}
.fee{background:#fff;border:1px solid var(--line);border-radius:14px;padding:1.8rem 1.7rem}
.fee .amt{font-family:'Carlito',sans-serif;font-size:2.5rem;color:var(--dusk);line-height:1;margin:.45rem 0 .7rem}
.fee .amt small{font-family:'Carlito',sans-serif;font-size:.8rem;letter-spacing:.08em;color:var(--slate);font-weight:700}
.fee h3{font-family:'Carlito',sans-serif;font-weight:700;font-size:.92rem;letter-spacing:.1em;color:var(--blue)}
.fee p{font-size:.96rem;color:var(--slate)}
.logi{display:grid;grid-template-columns:1fr 1fr;gap:2.5rem;margin-top:3rem}
.hours dl{display:grid;grid-template-columns:auto 1fr;gap:.4rem 1.6rem;font-size:1rem}
.hours dt{font-family:'Carlito',sans-serif;font-size:.86rem;letter-spacing:.1em;color:var(--blue);padding-top:.15rem;font-weight:700}
.hours dd{color:var(--ink)}
.contact-chips{display:flex;flex-direction:column;gap:.7rem}
.contact-chips a,.contact-chips .cc-static{display:flex;align-items:center;gap:.85rem;text-decoration:none;
    background:#fff;border:1px solid var(--line);border-radius:12px;padding:.9rem 1.15rem;
    color:var(--ink);font-weight:700;font-size:1rem;transition:border-color .2s ease;}
.contact-chips .cc-static{cursor:default}
.contact-chips a:hover{border-color:var(--blue)}
.contact-chips svg{width:18px;height:18px;stroke:var(--blue);flex:none}
.contact-chips small{font-family:'Carlito',sans-serif;font-size:.74rem;letter-spacing:.14em;color:var(--slate);font-weight:700;margin-left:auto}
.seg{display:inline-flex;border:1.5px solid var(--line);border-radius:999px;overflow:hidden;background:#fff}
.est{display:grid;grid-template-columns:1.35fr 1fr;gap:1.6rem;background:#fff;border:1px solid var(--line);border-radius:14px;padding:clamp(1.5rem,3vw,2rem);margin-top:2.6rem;align-items:start}
.open-badge{display:inline-flex;align-items:center;gap:.55rem;font-weight:700;font-size:.95rem;margin:-.2rem 0 1rem;min-height:1.4em}
.open-badge::before{content:"";width:9px;height:9px;border-radius:50%;background:var(--slate);flex:none}
.open-badge.is-open{color:#2F6B4F}
.open-badge.is-open::before{background:#3E8763}
.open-badge.is-closed{color:var(--slate)}
.eyebrow,.brand-sub,.trust,.scr-cat,.scr-meta,.scr-modal-cat,.scr-prompt,.t-tag,.band,.est-label,.fee h3,.fee .amt small,.hours dt,.contact-chips small,.ins-list h3,.credwall h3,.style-tags span,.portrait-fallback .mono-sub,.stat-label,.breath-cycles,.bt-label,.bt-star,.flip-tag,.arc-panel .tag{text-transform:uppercase}
.fee .amt,.est-amt,.scr-score,.stat-num,.bt-time,.portrait-fallback .mono-mark{font-weight:300}
.state.pending{color:#8A5A2B;border-color:#E4CBA6;background:#F6EBD8}
.state.pending:hover{background:#EADBBB;border-color:#C9A76B;color:#6E4A1F}
.swatch.pend{background:#F6EBD8;border-color:#E4CBA6}
#stateGrid{display:grid;grid-template-columns:repeat(auto-fill,minmax(60px,1fr));gap:.5rem}
.est{grid-template-columns:1.35fr 1fr}
@media (max-width:860px){.est{grid-template-columns:1fr}.logi{grid-template-columns:1fr}}
.feeline{font-family:'Carlito',sans-serif;font-size:1.3rem;font-weight:700;color:var(--dusk);text-align:center;margin:2rem 0 0}
.credwall{margin-top:2.4rem}
.credwall h3{font-family:'Lato',sans-serif;font-size:.82rem;letter-spacing:.16em;text-transform:uppercase;color:var(--blue);margin:1.9rem 0 .8rem}
.credwall h3:first-child{margin-top:0}
.creds{display:flex;flex-wrap:wrap;gap:.5rem}
.creds span{border:1px solid var(--line);background:#fff;border-radius:999px;padding:.42rem .9rem;font-size:.92rem;color:var(--ink)}
.creds.cred-soon span{background:var(--sky)}
.style-tags{display:flex;gap:.5rem;flex-wrap:wrap;margin-top:2.2rem}
.style-tags span{border:1.5px solid var(--dusk);color:var(--dusk);border-radius:999px;padding:.4rem 1rem;font-weight:700;font-size:.85rem;letter-spacing:.08em;text-transform:uppercase}
.sameline{background:#fff;border-top:1px solid var(--tint-line);padding:30px 0}
.sameline p{font-family:'Carlito',sans-serif;font-size:1.3rem;font-weight:700;color:var(--dusk);text-align:center;margin:0}
.fee-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:1rem;margin-top:2.4rem}
.est-controls{display:flex;flex-direction:column;gap:1.3rem}
.est-label{font-family:'Carlito',sans-serif;font-size:.8rem;letter-spacing:.12em;font-weight:700;color:var(--slate);margin-bottom:.55rem}
.est-input{font-family:'Lato',sans-serif;font-size:1rem;padding:.7rem 1rem;border:1.5px solid var(--line);border-radius:12px;background:#fff;color:var(--ink);width:100%;max-width:340px}
.est-planmsg{margin-top:.5rem;font-size:.92rem;font-weight:700;min-height:1.4em}
.est-result{background:var(--sky);border-radius:12px;padding:1.4rem 1.5rem}
.est-amt{font-family:'Carlito',sans-serif;font-size:2.6rem;color:var(--dusk);line-height:1.05;margin:.2rem 0 .7rem}
.est-note{font-size:.95rem;color:var(--slate)}
.hours dl{display:grid;grid-template-columns:auto 1fr;gap:.4rem 1.6rem;font-size:1rem}

/* === Header: one-line lockup and nav (2026-10-12) === */
header.site .wrap.nav{max-width:1560px}
.nav{flex-wrap:nowrap}
.lockup{display:flex;align-items:center;gap:14px;text-decoration:none;flex:none}
.lockup img{height:86px;width:auto;display:block}
.lk-text{display:flex;flex-direction:column;line-height:1.05}
.lk-name{font-family:'Carlito',sans-serif;font-size:2.2rem;font-weight:400;letter-spacing:.05em;color:#F4E3CC;white-space:nowrap}
.lk-sub{font-family:'Lato',sans-serif;font-size:.66rem;font-weight:700;letter-spacing:.26em;text-transform:uppercase;color:#EAC9A8;margin-top:4px;white-space:nowrap}
.navlinks{flex-wrap:nowrap;margin-left:auto;align-items:center}
.navlinks a{white-space:nowrap}
header.site.dark .navlinks a.btn{background:var(--blue);color:#fff}
header.site.dark .navlinks a.btn:hover{background:var(--blue-deep);color:#fff}
@media (max-width:1400px){.navlinks{gap:12px}.navlinks a{font-size:.84rem}.navlinks .btn{padding:10px 16px;font-size:.88rem}.lockup img{height:64px}.lk-name{font-size:1.8rem}}
@media (max-width:1200px){.navlinks{gap:9px}.navlinks a{font-size:.79rem}.navlinks .btn{padding:9px 13px;font-size:.84rem}.crisis-pill{padding:6px 11px}.lockup{gap:11px}.lockup img{height:56px}.lk-name{font-size:1.55rem}.lk-sub{font-size:.58rem;letter-spacing:.2em}}
@media (max-width:1080px){.lockup img{height:48px}.lk-name{font-size:1.35rem}.lk-sub{display:none}.navlinks{gap:8px}.navlinks a{font-size:.77rem}.navlinks .btn{font-size:.82rem;padding:9px 12px}}
@media (max-width:900px){.lockup img{height:48px}.lk-name{font-size:1.35rem}.lk-sub{display:none}.navlinks .btn{white-space:nowrap}}
.book-card{box-shadow:var(--shadow)}
@media (max-width:640px){.nav{flex-wrap:wrap}.lockup img{height:46px}.lk-name{font-size:1.35rem}.navlinks{width:100%;margin-left:0}.navlinks .btn{flex:1;max-width:none;white-space:nowrap;text-align:center}.crisis-pill{flex:none}}

/* === Elevated redesign v3 (2026-10-12): warm ivory, serif display, gold accent === */
:root{--ink:#22303E;--paper:#FBF9F5;--sky:#F3EEE2;--line:#E4DCCB;--gold:#B3894D;--gold-ink:#97703A;--warm:#97703A;--ivory:#F7F3EC;--tint:#F7F3EC;--tint-line:#E7DFCE;--shadow:0 1px 2px rgba(62,50,32,.05),0 18px 44px rgba(62,50,32,.07)}
body{background:#fff}
h1,h2,.stat .big,.fee .amt,.est-amt,.price,.diff .num,.book-step-num{font-family:'Carlito',Calibri,sans-serif}
h1,h2{font-weight:560;letter-spacing:-.015em}
h2{font-size:2.3rem}
section{padding:118px 0}
section[id]{scroll-margin-top:96px}
.eyebrow{color:var(--gold-ink)}
.eyebrow::before{background:var(--gold)}
.btn{background:var(--ink);color:#F7F1E5;padding:16px 34px}
.btn:hover{background:#2E4B69}
.btn.ghost{background:transparent;color:var(--ink);border:1.5px solid var(--ink)}
.hero{background:linear-gradient(180deg,#F8F4EC 0%,#FBF9F5 92%);padding:118px 0 96px;border-bottom:1px solid var(--tint-line)}
.hero h1{font-size:3.25rem}
.hero h1 .hl{color:var(--dusk);font-style:italic;font-weight:500}
.card{border:1px solid #E7DFCE;border-top:2px solid var(--gold);border-radius:14px;padding:36px 36px 16px}
.diff{border:1px solid #E7DFCE;border-radius:14px;padding:36px}
.diff .num{color:var(--gold-ink);font-weight:560;font-size:2.2rem}
.cards,.diffgrid,.postlist{gap:26px}
.postcard{border:1px solid #E7DFCE;border-top:2px solid var(--gold);border-radius:14px}
.resource{border-color:#E7DFCE;border-radius:14px}
.faq details{border-color:#E7DFCE;border-radius:14px}
.stat .big{color:#F4E3CC;font-weight:560}
.band-dark{background:linear-gradient(180deg,#26374A 0%,#1B2A3A 100%)}
.band-dark .eyebrow{color:#D9B98A}
.sameline{background:var(--ivory);border-top:2px solid var(--gold)}
.sameline p{font-family:'Carlito',Calibri,sans-serif;font-weight:500;font-size:1.35rem;color:var(--ink)}
.chip{border-color:#D8CDB4;color:var(--ink)}
.chip:hover{border-color:var(--gold)}
.state.covered{background:#F3EEE2;border-color:#D8CDB4}
.ins-chips span{border-color:#E7DFCE}
.creds span{border-color:#E7DFCE}
.fee{border-color:#E7DFCE;border-radius:16px}
.benefits-card{border-color:#E7DFCE;border-radius:16px}
.est{border-color:#E7DFCE;border-radius:16px}
.est-result{background:#F3EEE2}
.contact-chips a,.contact-chips .cc-static{border-color:#E7DFCE;border-radius:14px}
.cov-search{border-color:#D8CDB4}
.lede{font-size:1.18rem;line-height:1.62}
@media (max-width:900px){section{padding:72px 0}.hero{padding:84px 0 72px}.hero h1{font-size:2.35rem}h2{font-size:1.85rem}.card,.diff{padding:28px 26px 12px}}

/* === Type discipline v4 (2026-10-12, Karel): Calibri Light only, no italics anywhere === */
*{font-family:'Carlito',Calibri,'Segoe UI',Arial,sans-serif !important;font-style:normal !important}
h1,h2{font-weight:400;letter-spacing:-.01em}
.hero h1 .hl{font-style:normal}