:root{
  --brand:#1F4A5F; --brand-dark:#123240; --brand-light:#356F87; --brand-soft:#D6E5EC;
  --accent:#C8891F; --accent-dark:#A06D14; --accent-soft:#F6E7C8;
  --sage:#7FA893; --sand:#FAF5EC; --sand-warm:#F1E9DA; --paper:#FFFFFF;
  --text:#25303A; --text-soft:#4E5A66; --muted:#7A8590; --line:#E2DACF;
  --ok:#2F7D4F; --maxw:1180px; --r:12px;
}
*{box-sizing:border-box}
html,body{margin:0;padding:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--text);background:var(--paper);line-height:1.62;font-size:17.5px;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto}
a{color:var(--brand);text-decoration:underline;text-underline-offset:2px}
a:hover{color:var(--accent-dark)}
h1,h2,h3,h4{font-family:Georgia,"Times New Roman",serif;line-height:1.22;color:var(--brand-dark)}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 22px}
.skip{position:absolute;left:-9999px}
.skip:focus{left:8px;top:8px;background:#fff;padding:10px 14px;z-index:999;border-radius:8px}

.topbar{background:var(--brand-dark);color:#fff;font-size:14px;padding:7px 0}
.topbar .wrap{display:flex;align-items:center;justify-content:space-between;gap:14px;flex-wrap:wrap}
.topbar a{color:#fff;font-weight:700;text-decoration:none;white-space:nowrap}
.topbar a:hover{color:var(--accent-soft)}

header.site{background:var(--paper);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;padding:13px 22px;gap:16px}
.brand{display:flex;align-items:center;gap:11px;color:var(--brand-dark);text-decoration:none;font-weight:700;font-size:21px;font-family:Georgia,serif;line-height:1.1}
.brand .mark{width:44px;height:44px;border-radius:11px;background:linear-gradient(150deg,var(--brand) 0%,var(--brand-light) 100%);color:#fff;display:flex;align-items:center;justify-content:center;font-size:19px;font-weight:700;flex:0 0 auto;letter-spacing:.5px}
nav.main{display:flex;gap:22px;align-items:center}
nav.main a{color:var(--text);text-decoration:none;font-weight:600;font-size:15px;white-space:nowrap}
nav.main a:hover{color:var(--brand)}
.cta-btn{display:inline-block;background:var(--accent);color:#1E1608 !important;text-decoration:none !important;padding:11px 21px;border-radius:999px;font-weight:800;font-size:15px;border:0;cursor:pointer;font-family:inherit;box-shadow:0 2px 0 var(--accent-dark);transition:background .15s,transform .12s}
.cta-btn:hover{background:var(--accent-dark);color:#fff !important;transform:translateY(-1px)}
.cta-btn.lg{padding:14px 28px;font-size:17px}
.cta-btn.ghost{background:transparent;color:#fff !important;border:2px solid rgba(255,255,255,.85);box-shadow:none}
.cta-btn.ghost:hover{background:rgba(255,255,255,.14);color:#fff !important}
.menu-toggle{display:none;background:transparent;border:0;color:var(--brand);font-size:25px;cursor:pointer;line-height:1;padding:4px 8px}

.hero{background:linear-gradient(158deg,var(--brand-dark) 0%,var(--brand) 58%,var(--brand-light) 100%);color:#fff;padding:56px 0 62px}
.hero h1{font-size:41px;margin:0 0 15px;color:#fff;font-weight:700}
.hero .lede{font-size:19px;max-width:800px;margin:0 0 22px;color:rgba(255,255,255,.94)}
.hero .meta{display:flex;gap:24px;flex-wrap:wrap;color:rgba(255,255,255,.9);font-size:15px;margin-bottom:18px}
.hero .meta b{color:#fff}
.hero .actions{display:flex;gap:13px;flex-wrap:wrap;align-items:center}
.hero.compact{padding:40px 0 46px}
.hero.compact h1{font-size:31px}
.speakable{background:rgba(255,255,255,.12);border-left:4px solid var(--accent);border-radius:0 10px 10px 0;padding:15px 18px;margin:0 0 22px;max-width:800px}
.speakable .sq{display:block;font-size:13px;text-transform:uppercase;letter-spacing:.09em;color:var(--accent-soft);font-weight:800;margin-bottom:5px}
.speakable p{margin:0;font-size:17px;color:#fff}

.trustbar{background:var(--sand);border-bottom:1px solid var(--line);padding:16px 0}
.trustbar .wrap{display:flex;gap:26px;flex-wrap:wrap;justify-content:space-between}
.trustbar div{font-size:14.5px;color:var(--text-soft)}
.trustbar b{color:var(--brand-dark)}

.crumbs{background:var(--sand);border-bottom:1px solid var(--line);padding:9px 0;font-size:13.5px;color:var(--muted)}
.crumbs a{color:var(--text-soft);text-decoration:none}
.crumbs a:hover{color:var(--brand);text-decoration:underline}
.crumbs .sep{margin:0 7px;color:var(--muted)}

.layout{display:grid;grid-template-columns:1fr 320px;gap:40px;padding:30px 0 14px}
article.main h2{font-size:26px;margin:32px 0 12px}
article.main h3{font-size:20px;margin:24px 0 8px}
article.main p{margin:0 0 15px}
article.main ul,article.main ol{margin:0 0 16px;padding-left:22px}
article.main li{margin-bottom:8px}
.side{position:sticky;top:88px;align-self:start}
.side .card{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:20px;margin-bottom:16px}
.side .card h3{margin:0 0 10px;font-size:17px}
.side .card a.row{display:block;font-size:14.5px;color:var(--text);text-decoration:none;padding:7px 0;border-bottom:1px solid var(--line)}
.side .card a.row:last-child{border-bottom:0}
.side .card a.row:hover{color:var(--brand)}
.side .card.cta{background:linear-gradient(168deg,var(--brand-dark) 0%,var(--brand) 100%);color:#fff;text-align:center;border:0}
.side .card.cta h3{color:#fff}
.side .card.cta p{color:rgba(255,255,255,.92);margin:0 0 14px;font-size:15px}

.answer{background:var(--sand);border:1px solid var(--line);border-left:4px solid var(--accent);border-radius:0 10px 10px 0;padding:16px 18px;margin:0 0 22px}
.answer .lbl{display:block;font-size:12.5px;text-transform:uppercase;letter-spacing:.09em;color:var(--accent-dark);font-weight:800;margin-bottom:5px}
.answer p{margin:0;font-size:17px}
.note{background:var(--accent-soft);border-radius:10px;padding:14px 17px;margin:0 0 18px;font-size:15.5px;color:#5A430F}
.note b{color:#3D2C08}
.srcline{font-size:13.5px;color:var(--muted);margin:6px 0 18px}
.srcline a{color:var(--muted)}

section.section{padding:26px 0}
.section-alt{background:var(--sand);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.card-link{background:var(--paper);border:1px solid var(--line);border-radius:14px;padding:24px;text-decoration:none !important;color:inherit;display:block;transition:box-shadow .2s,transform .2s,border-color .2s}
.card-link:hover{box-shadow:0 14px 32px rgba(31,74,95,.16);transform:translateY(-4px);border-color:var(--brand-light)}
.card-link .em{font-size:32px;display:block;margin-bottom:9px}
.card-link h3{font-size:19px;margin:0 0 7px;text-decoration:none}
.card-link p{font-size:14.5px;color:var(--text-soft);margin:0 0 10px;line-height:1.5}
.card-link .more{color:var(--brand);font-weight:700;font-size:14.5px}
.card-link .tag{display:inline-block;font-size:11.5px;color:var(--accent-dark);font-weight:800;letter-spacing:.08em;text-transform:uppercase;margin-bottom:7px}

.faq{padding:8px 0 26px}
.faq details{background:var(--paper);border:1px solid var(--line);border-radius:10px;margin-bottom:10px;overflow:hidden}
.faq summary{cursor:pointer;padding:15px 46px 15px 18px;font-weight:700;font-size:16.5px;color:var(--brand-dark);list-style:none;position:relative;font-family:Georgia,serif}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:18px;top:13px;font-size:22px;color:var(--accent-dark);font-family:inherit}
.faq details[open] summary::after{content:"\2212"}
.faq details[open] summary{background:var(--sand)}
.faq .ans{padding:14px 18px 17px;font-size:16.5px;color:var(--text-soft);border-top:1px solid var(--line)}
.faq .ans p{margin:0 0 10px}
.faq .ans p:last-child{margin:0}

table.data{width:100%;border-collapse:collapse;margin:0 0 20px;font-size:15.5px}
table.data th,table.data td{text-align:left;padding:10px 12px;border-bottom:1px solid var(--line);vertical-align:top}
table.data th{background:var(--sand);font-weight:700;color:var(--brand-dark);font-size:14.5px}
table.data tr:hover td{background:var(--sand)}
.tblwrap{overflow-x:auto}

.bigcta{background:linear-gradient(158deg,var(--brand) 0%,var(--brand-dark) 100%);color:#fff;padding:44px 0;text-align:center}
.bigcta h2{color:#fff;font-size:29px;margin:0 0 11px}
.bigcta p{color:rgba(255,255,255,.92);max-width:660px;margin:0 auto 20px;font-size:17px}

footer.site{background:var(--brand-dark);color:rgba(255,255,255,.85);padding:46px 0 20px;font-size:14.5px}
footer.site a{color:#fff;text-decoration:none}
footer.site a:hover{color:var(--accent-soft);text-decoration:underline}
footer.site .cols{display:grid;grid-template-columns:repeat(4,1fr);gap:28px;margin-bottom:28px}
footer.site h4{color:#fff;margin:0 0 12px;font-size:13.5px;text-transform:uppercase;letter-spacing:.05em;font-weight:800;font-family:inherit}
footer.site ul{list-style:none;padding:0;margin:0}
footer.site li{margin-bottom:7px;font-size:14px}
footer.site .legal{border-top:1px solid rgba(255,255,255,.12);padding-top:17px;font-size:13px;color:rgba(255,255,255,.68);display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}
footer.site .badge{display:inline-block;padding:4px 10px;border-radius:5px;background:rgba(255,255,255,.12);color:#fff;font-size:12px;margin-right:7px}

.sticky-mobile{display:none;position:fixed;bottom:0;left:0;right:0;background:var(--paper);border-top:2px solid var(--accent);padding:9px 12px;z-index:90}
.sticky-mobile a{display:block;background:var(--accent);color:#1E1608;text-decoration:none;text-align:center;padding:13px;border-radius:999px;font-weight:800}

@media(max-width:980px){
  .layout{grid-template-columns:1fr}
  .side{position:static}
  .grid3{grid-template-columns:1fr 1fr}
  .grid4{grid-template-columns:1fr 1fr}
  footer.site .cols{grid-template-columns:1fr 1fr}
}
@media(max-width:760px){
  body{padding-bottom:72px}
  .sticky-mobile{display:block}
  nav.main{display:none;position:absolute;top:100%;left:0;right:0;background:var(--paper);border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;gap:0;padding:8px 0;box-shadow:0 16px 30px -14px rgba(0,0,0,.28)}
  nav.main.open{display:flex}
  nav.main a{padding:12px 22px;font-size:16px;border-bottom:1px solid var(--line)}
  nav.main a.cta-btn{margin:10px 22px;text-align:center;border-bottom:0}
  header.site .wrap{position:relative}
  .menu-toggle{display:inline-block}
  .hero{padding:38px 0 44px}
  .hero h1{font-size:29px}
  .hero.compact h1{font-size:25px}
  .grid3,.grid4{grid-template-columns:1fr}
  .topbar .wrap{font-size:13px}
}
@media(prefers-reduced-motion:reduce){*{transition:none !important;animation:none !important}}
@media print{.topbar,nav.main,.sticky-mobile,.asachat,.bigcta{display:none}}

/* ---- care-match quiz modal ---- */
.asaq{position:fixed;inset:0;z-index:10000;display:none;align-items:center;justify-content:center;padding:18px}
.asaq.on{display:flex}
.asaq-back{position:absolute;inset:0;background:rgba(18,50,64,.62)}
.asaq-card{position:relative;background:var(--paper);border-radius:16px;width:100%;max-width:540px;max-height:92vh;overflow-y:auto;box-shadow:0 30px 70px -20px rgba(0,0,0,.5)}
.asaq-x{position:absolute;right:12px;top:10px;background:none;border:0;font-size:27px;line-height:1;color:var(--muted);cursor:pointer;padding:4px 8px;z-index:2}
.asaq-x:hover{color:var(--text)}
.asaq-bar{height:5px;background:var(--sand-warm);border-radius:16px 16px 0 0;overflow:hidden}
.asaq-bar i{display:block;height:100%;width:0;background:var(--accent);transition:width .3s ease}
.asaq-body{padding:24px 26px 28px}
.asaq-step{font-size:12.5px;text-transform:uppercase;letter-spacing:.09em;color:var(--accent-dark);font-weight:800;margin-bottom:8px}
.asaq-q{font-size:23px;margin:0 0 8px;color:var(--brand-dark);font-family:Georgia,serif;line-height:1.25}
.asaq-sub{font-size:15px;color:var(--text-soft);margin:0 0 16px;line-height:1.55}
.asaq-opts{display:flex;flex-direction:column;gap:9px;margin:16px 0 6px}
.asaq-opt{text-align:left;background:var(--paper);border:1.5px solid var(--line);border-radius:11px;padding:14px 16px;font-size:16px;font-family:inherit;color:var(--text);cursor:pointer;transition:border-color .15s,background .15s}
.asaq-opt:hover,.asaq-opt:focus{border-color:var(--brand);background:var(--sand);outline:none}
.asaq-back-btn{background:none;border:0;color:var(--muted);font-size:14.5px;font-family:inherit;cursor:pointer;padding:8px 0;margin-top:6px}
.asaq-back-btn:hover{color:var(--brand)}
.asaq-form label{display:block;font-weight:700;font-size:13px;margin:12px 0 5px;color:var(--brand-dark)}
.asaq-form input[type=text],.asaq-form input[type=email],.asaq-form input[type=tel],.asaq-form input:not([type]){width:100%;padding:12px;border:1.5px solid var(--line);border-radius:9px;font-size:16px;font-family:inherit}
.asaq-form input:focus{border-color:var(--brand);outline:none}
.asaq-consent{display:flex;gap:9px;align-items:flex-start;font-size:12px;color:var(--muted);font-weight:400 !important;line-height:1.45;margin:15px 0 4px !important}
.asaq-consent input{margin-top:2px;flex:0 0 auto}
.asaq-submit{width:100%;background:var(--accent);color:#1E1608;border:0;border-radius:11px;padding:14px;font-size:16.5px;font-weight:800;cursor:pointer;font-family:inherit;margin-top:15px}
.asaq-submit:hover{background:var(--accent-dark);color:#fff}
.asaq-submit:disabled{opacity:.6;cursor:default}
.asaq-alt{text-align:center;font-size:14.5px;color:var(--muted);margin:12px 0 0}
.asaq-alt a{color:var(--brand);font-weight:800;text-decoration:none;white-space:nowrap}
.asaq-ok{width:54px;height:54px;border-radius:50%;background:var(--ok);color:#fff;display:flex;align-items:center;justify-content:center;font-size:29px;margin:0 auto 14px}

/* ---- advisor chat widget ---- */
.asachat{position:fixed;left:18px;bottom:18px;z-index:9999}
.asachat-bub{display:none;align-items:center;gap:10px;background:var(--brand-dark);color:#fff;border:0;border-radius:40px;padding:12px 20px 12px 13px;font-size:15.5px;font-weight:700;cursor:pointer;font-family:inherit;box-shadow:0 12px 30px -10px rgba(0,0,0,.4)}
.asachat-bub:hover{background:var(--brand)}
.asachat-bic{width:28px;height:28px;border-radius:50%;background:var(--accent);color:#1E1608;display:flex;align-items:center;justify-content:center;font-size:15px;flex:0 0 auto}
.asachat-card{width:334px;max-width:calc(100vw - 26px);background:var(--paper);border-radius:14px;overflow:hidden;box-shadow:0 24px 60px -18px rgba(0,0,0,.42);border:1px solid var(--line);display:none;transform:translateY(18px);opacity:0;transition:transform .4s cubic-bezier(.2,.8,.25,1),opacity .4s}
.asachat-card.in{transform:none;opacity:1}
.asachat-head{background:var(--brand-dark);color:#fff;display:flex;align-items:center;gap:11px;padding:12px 14px}
.asachat-av{width:42px;height:42px;border-radius:50%;background:linear-gradient(135deg,var(--accent),var(--sage));display:flex;align-items:center;justify-content:center;border:2px solid #fff;color:#1E1608;font-weight:800;font-size:16px;flex:0 0 auto}
.asachat-nm{font-weight:700;font-size:16.5px;line-height:1.15;display:block}
.asachat-rl{font-size:12px;color:rgba(255,255,255,.82);display:block}
.asachat-x{margin-left:auto;background:none;border:0;color:#fff;font-size:22px;line-height:1;cursor:pointer;padding:0 4px;opacity:.85}
.asachat-x:hover{opacity:1}
.asachat-body{padding:15px}
.asachat-greet{background:var(--brand);color:#fff;border-radius:14px;border-top-left-radius:4px;padding:11px 13px;font-size:14.5px;font-weight:600;margin:0 0 12px;line-height:1.45}
.asachat-checks{list-style:none;margin:0 0 14px;padding:0}
.asachat-checks li{display:flex;gap:8px;font-size:14px;color:var(--text);margin:8px 0;line-height:1.4}
.asachat-ck{flex:0 0 auto;width:18px;height:18px;border-radius:50%;background:var(--brand-soft);color:var(--brand-dark);display:flex;align-items:center;justify-content:center;font-size:11px;font-weight:800;margin-top:1px}
.asachat-go{width:100%;background:var(--accent);color:#1E1608;border:0;border-radius:11px;padding:13px;font-size:15.5px;font-weight:800;cursor:pointer;font-family:inherit}
.asachat-go:hover{background:var(--accent-dark);color:#fff}
.asachat-call{text-align:center;margin:10px 0 0;font-size:14px;color:var(--muted)}
.asachat-call a{color:var(--brand);font-weight:800;text-decoration:none;white-space:nowrap}
@media(max-width:820px){.asachat{left:12px;bottom:78px}.asachat-card{width:292px}}

/* ---- latest blog post strip (global footer) ---- */
.latest-strip{display:flex;align-items:center;gap:12px;flex-wrap:wrap;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);border-radius:10px;padding:13px 16px;margin:0 0 24px}
.latest-strip .ls-tag{flex:0 0 auto;font-size:11px;letter-spacing:.09em;text-transform:uppercase;font-weight:800;color:#1E1608;background:var(--accent);border-radius:4px;padding:4px 9px}
.latest-strip a{font-weight:700;font-size:15.5px;color:#fff;text-decoration:none;flex:1 1 auto;min-width:200px}
.latest-strip a:hover{color:var(--accent-soft);text-decoration:underline}
.latest-strip .ls-date{flex:0 0 auto;font-size:13px;color:rgba(255,255,255,.6)}
@media(max-width:600px){.latest-strip .ls-date{display:none}}