:root {
  --navy: #0b1f33;
  --blue: #164e78;
  --sky: #dff1fb;
  --cream: #fbf8f1;
  --gold: #48a96d;
  --green: #278c5c;
  --accent: #147e9b;
  --accent-2: #48a96d;
  --hero-a: #0b1f33;
  --hero-b: #176c87;
  --ink: #10202d;
  --muted: #566673;
  --line: #d8e0e6;
  --white: #fff;
  --shadow: 0 18px 50px rgba(11, 31, 51, .14);
}

/* Visual decision tools for consumer education pages */
.decision-section {
  overflow: hidden;
  background:
    radial-gradient(circle at 8% 10%, color-mix(in srgb, var(--accent) 18%, transparent), transparent 28rem),
    linear-gradient(180deg, #fbfcfd 0%, #f3f7f8 100%);
}
.decision-section .article { max-width: 1120px; }
.decision-eyebrow { color: #276477; margin-bottom: 10px; }
.decision-intro {
  max-width: 720px;
  color: #53646b;
  font-size: 1.08rem;
  margin: -8px 0 28px;
}
.decision-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
  padding: 0;
  margin: 24px 0 54px;
  list-style: none;
  counter-reset: decision;
}
.decision-grid > li {
  position: relative;
  min-height: 150px;
  margin: 0;
  padding: 54px 22px 22px;
  border: 1px solid #dbe5e7;
  border-radius: 22px;
  background: rgba(255,255,255,.94);
  box-shadow: 0 14px 35px rgba(19,43,52,.07);
  color: #33474f;
  line-height: 1.55;
}
ol.decision-grid > li { counter-increment: decision; }
ol.decision-grid > li::before { content: counter(decision, decimal-leading-zero); }
ul.decision-grid > li::before { content: "✓"; }
.decision-grid > li::before {
  position: absolute;
  top: 17px;
  left: 20px;
  display: grid;
  place-items: center;
  min-width: 30px;
  height: 30px;
  padding: 0 7px;
  border-radius: 999px;
  background: #132f3a;
  color: #fff;
  font-weight: 800;
  font-size: .78rem;
  letter-spacing: .04em;
}
.education-page .faq {
  display: grid;
  grid-template-columns: repeat(3, minmax(0,1fr));
  gap: 16px;
  margin-top: 22px;
}
.education-page .faq details {
  margin: 0;
  border: 1px solid #dce6e8;
  border-radius: 18px;
  background: #fff;
  padding: 4px 18px;
  box-shadow: 0 10px 26px rgba(19,43,52,.05);
}
.education-page .faq summary {
  min-height: 76px;
  display: flex;
  align-items: center;
}
.health-hub .product-links { gap: 24px; }
.health-hub .product-link {
  position: relative;
  min-height: 250px;
  overflow: hidden;
  border: 0;
  border-radius: 28px;
  padding: 34px;
  background: linear-gradient(145deg,#fff 0%,#edf6f5 100%);
  box-shadow: 0 18px 45px rgba(16,45,55,.1);
}
.health-hub .product-link::before {
  content: "";
  display: block;
  width: 52px;
  height: 8px;
  margin-bottom: 32px;
  border-radius: 999px;
  background: linear-gradient(90deg,#d9a33d,#4c9fa4);
}
.health-hub .product-link:nth-child(2) { background: linear-gradient(145deg,#fff 0%,#f5effb 100%); }
.health-hub .product-link:nth-child(3) { background: linear-gradient(145deg,#fff 0%,#edf4fb 100%); }
.health-hub .product-link:nth-child(4) { background: linear-gradient(145deg,#fff 0%,#fff5e8 100%); }
.health-hub .product-link:hover {
  transform: translateY(-6px);
  box-shadow: 0 25px 55px rgba(16,45,55,.16);
}

@media (max-width: 900px) {
  .decision-grid { grid-template-columns: repeat(2, minmax(0,1fr)); }
  .education-page .faq { grid-template-columns: 1fr; }
}
@media (max-width: 620px) {
  .decision-grid { grid-template-columns: 1fr; }
  .decision-grid > li { min-height: 0; }
  .health-hub .product-link { min-height: 220px; padding: 26px; }
}

/* Critical illness benefit universe */
.critical-page { --critical-ink:#132c35; --critical-coral:#ff795f; --critical-violet:#7256ad; overflow-x:hidden; }
.critical-page .critical-hero { background:
  radial-gradient(circle at 14% 20%, rgba(255,185,95,.22), transparent 27rem),
  radial-gradient(circle at 88% 40%, rgba(102,190,172,.18), transparent 30rem),
  #f8f6f0; }
.mini-kicker { color:#36756c; font-weight:800; text-transform:uppercase; letter-spacing:.12em; font-size:.72rem; margin:0 0 8px; }
.critical-intro { background:#122f39; color:#fff; padding:28px 0; }
.critical-stat-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:1px; background:rgba(255,255,255,.16); }
.critical-stat-grid article { background:#122f39; padding:22px 28px; }
.critical-stat-grid strong,.critical-stat-grid span { display:block; }
.critical-stat-grid strong { font-family:Georgia, "Times New Roman", serif; font-size:1.28rem; margin-bottom:5px; }
.critical-stat-grid span { color:#c7d8da; font-size:.9rem; }
.benefit-universe { background:#f0f5f4; overflow:hidden; }
.benefit-universe::before { content:""; position:absolute; width:260px; height:500px; border-radius:260px 0 0 260px; background:rgba(88,174,183,.1); right:0; top:90px; }
.benefit-clusters { display:grid; grid-template-columns:repeat(2,minmax(0,1fr)); gap:18px; }
.benefit-cluster { position:relative; overflow:hidden; min-height:275px; padding:30px; border-radius:28px; color:#fff; box-shadow:0 20px 45px rgba(17,44,53,.14); }
.benefit-cluster::after { content:""; position:absolute; width:190px; height:190px; border:1px solid rgba(255,255,255,.15); border-radius:50%; right:-70px; top:-70px; }
.benefit-cluster.heart { background:linear-gradient(140deg,#873e50,#d6665f); }
.benefit-cluster.cancer { background:linear-gradient(140deg,#4f3f79,#8d6bb7); }
.benefit-cluster.organs { background:linear-gradient(140deg,#175b66,#2e9191); }
.benefit-cluster.neuro { background:linear-gradient(140deg,#27385f,#506ea1); }
.benefit-cluster.function { background:linear-gradient(140deg,#735533,#b5844b); }
.benefit-cluster.family { background:linear-gradient(140deg,#315d4d,#5b9475); }
.cluster-icon { display:grid; place-items:center; width:46px; height:46px; border-radius:15px; background:rgba(255,255,255,.14); font-size:1.35rem; margin-bottom:22px; }
.cluster-label { margin:0 0 5px; color:rgba(255,255,255,.72); font-size:.72rem; font-weight:800; letter-spacing:.12em; text-transform:uppercase; }
.benefit-cluster h3 { color:#fff; font-size:1.55rem; margin:0 0 20px; }
.benefit-pills { display:flex; flex-wrap:wrap; gap:8px; }
.benefit-pills span { padding:8px 11px; border:1px solid rgba(255,255,255,.18); border-radius:999px; background:rgba(255,255,255,.1); font-size:.82rem; }
.benefit-note { max-width:900px; margin:26px auto 0; padding:15px 18px; border-radius:14px; background:#fff; color:#53646b; text-align:center; font-size:.86rem; }
.cash-story { overflow:hidden; }
.cash-orbit { position:relative; display:grid; grid-template-columns:repeat(3,1fr); gap:18px; max-width:980px; margin:30px auto 0; }
.cash-center { grid-column:2; grid-row:1 / span 2; display:grid; place-items:center; align-content:center; min-height:310px; border-radius:50%; background:radial-gradient(circle at 35% 25%,#ffcb6d,#d99b31); color:#172e36; text-align:center; box-shadow:0 25px 60px rgba(217,155,49,.3); }
.cash-center span { font-family:Georgia, "Times New Roman", serif; font-weight:700; font-size:2rem; line-height:1.05; }
.cash-center small { max-width:130px; margin-top:12px; }
.cash-use { padding:24px; border-radius:22px; background:#f4f7f7; border:1px solid #dce7e8; }
.cash-use strong,.cash-use span { display:block; }
.cash-use strong { color:#183c47; font-size:1.05rem; margin-bottom:5px; }
.cash-use span { color:#66777d; font-size:.9rem; }
.use-1,.use-2 { grid-row:1; }.use-3,.use-4 { grid-row:2; }.use-5,.use-6 { grid-row:3; }
.use-1,.use-3,.use-5 { grid-column:1; }.use-2,.use-4,.use-6 { grid-column:3; }
.event-flow { display:grid; grid-template-columns:repeat(4,1fr); gap:14px; margin:24px 0 58px; }
.event-flow article { position:relative; padding:25px 20px; border-radius:20px; background:#f5f8f8; border-top:4px solid #d8a744; }
.event-flow span { display:inline-grid; place-items:center; width:34px; height:34px; border-radius:50%; background:#193e49; color:#fff; font-size:.78rem; font-weight:800; }
.event-flow h3 { font-size:1.04rem; margin:18px 0 8px; }
.event-flow p { font-size:.88rem; color:#64747a; margin:0; }
.critical-page .faq { grid-template-columns:repeat(2,minmax(0,1fr)); }
.critical-cta { background:linear-gradient(135deg,#173a45,#315f62 55%,#795d46); }

@media (max-width:900px) {
  .critical-stat-grid,.benefit-clusters,.event-flow { grid-template-columns:1fr 1fr; }
  .cash-orbit { grid-template-columns:1fr 1fr; }
  .cash-center { grid-column:1 / -1; grid-row:auto; min-height:250px; border-radius:28px; }
  .cash-use { grid-column:auto!important; grid-row:auto!important; }
}
@media (max-width:620px) {
  .critical-stat-grid,.benefit-clusters,.event-flow,.cash-orbit,.critical-page .faq { grid-template-columns:1fr; }
  .benefit-cluster { min-height:0; padding:24px; }
  .critical-stat-grid article { padding:20px; }
}

/* Free unwanted-call consumer guide */
.call-help-page { --call-cyan:#59d5ca; --call-yellow:#ffc65d; background:#f4f7f4; overflow-x:hidden; }
.call-hero { overflow:hidden; padding:78px 0; background:
  radial-gradient(circle at 82% 22%,rgba(89,213,202,.2),transparent 24rem),
  linear-gradient(135deg,#102d37 0%,#173f49 55%,#225e5d 100%); color:#fff; }
.call-hero-grid { display:grid; grid-template-columns:1.05fr .95fr; align-items:center; gap:70px; }
.call-hero h1 { color:#fff; font-size:clamp(3.5rem,8vw,7rem); line-height:.88; letter-spacing:-.055em; max-width:700px; margin:12px 0 28px; }
.call-hero p:not(.eyebrow) { max-width:620px; color:#d3e4e5; font-size:1.18rem; }
.call-actions { display:flex; align-items:center; flex-wrap:wrap; gap:20px; margin-top:32px; }
.call-secondary { color:#fff; font-weight:800; text-decoration:none; }
.phone-art { position:relative; min-height:520px; display:grid; place-items:center; }
.phone-shell { position:relative; width:280px; height:510px; padding:12px; border:3px solid rgba(255,255,255,.7); border-radius:48px; background:#071e27; box-shadow:0 38px 90px rgba(0,0,0,.38); transform:rotate(5deg); z-index:2; }
.phone-speaker { position:absolute; top:21px; left:50%; width:68px; height:7px; border-radius:99px; background:#50636a; transform:translateX(-50%); z-index:3; }
.phone-screen { height:100%; display:flex; flex-direction:column; align-items:center; padding:90px 25px 32px; border-radius:35px; background:radial-gradient(circle at 50% 22%,#7b3f4c,#261f30 58%,#111d26); text-align:center; }
.spam-label { padding:7px 12px; border-radius:999px; background:rgba(255,255,255,.12); color:#ffd4d6; font-size:.75rem; text-transform:uppercase; letter-spacing:.1em; }
.phone-screen strong { margin:25px 0 8px; font-size:1.55rem; }
.caller-dots { display:flex; gap:6px; margin:18px 0 80px; }.caller-dots i { width:6px; height:6px; border-radius:50%; background:#fff; opacity:.6; }
.decline { display:grid; place-items:center; width:72px; height:72px; border-radius:50%; background:#f06464; color:#fff; font-size:2.5rem; transform:rotate(45deg); }
.phone-screen small { margin-top:16px; color:#c9cdd1; }
.signal { position:absolute; border:1px solid rgba(89,213,202,.28); border-radius:50%; }
.signal-a { width:390px; height:390px; }.signal-b { width:520px; height:520px; }
.shield-badge { position:absolute; right:0; bottom:65px; display:flex; align-items:center; gap:10px; padding:14px 18px; border-radius:18px; background:#fff; color:#13333c; font-weight:900; box-shadow:0 18px 50px rgba(0,0,0,.22); z-index:3; }
.shield-badge span { font-size:.78rem; }
.call-truth { background:var(--call-yellow); color:#19333a; padding:20px 0; text-align:center; }
.call-steps { display:grid; grid-template-columns:repeat(3,1fr); gap:16px; }
.call-steps article { position:relative; display:flex; flex-direction:column; min-height:390px; padding:26px; overflow:hidden; border-radius:26px; background:#fff; box-shadow:0 18px 45px rgba(18,48,58,.09); }
.call-steps article > span { position:absolute; right:18px; top:14px; color:#e5ecec; font-size:3.8rem; font-weight:900; line-height:1; }
.step-icon { display:grid; place-items:center; width:52px; height:52px; border-radius:16px; background:#173f49; color:#fff; font-size:1.4rem; margin-bottom:36px; }
.call-steps h3 { font-size:1.35rem; margin:0 0 12px; }
.call-steps p { color:#607077; }
.call-steps a { margin-top:auto; color:#176c70; font-weight:900; text-decoration:none; }
.call-steps small { display:block; margin-top:13px; color:#7a898e; line-height:1.45; }
.call-log-section { background:#112f39; color:#fff; }
.call-log-section h2 { color:#fff; font-size:clamp(2.4rem,5vw,4.6rem); line-height:1; }
.call-log-section p { color:#c4d5d7; max-width:520px; }
.call-log-grid { display:grid; grid-template-columns:1fr 1fr; align-items:center; gap:70px; }
.call-log-card { padding:28px; border:1px solid rgba(255,255,255,.14); border-radius:28px; background:rgba(255,255,255,.07); box-shadow:0 30px 70px rgba(0,0,0,.22); }
.log-head { display:flex; justify-content:space-between; padding-bottom:18px; border-bottom:1px solid rgba(255,255,255,.13); font-weight:900; }
.live-dot { color:#8ff0c4; font-size:.8rem; }
.call-log-card ul { margin:0; padding:0; list-style:none; }
.call-log-card li { display:flex; justify-content:space-between; gap:20px; padding:16px 0; border-bottom:1px solid rgba(255,255,255,.1); }
.call-log-card li span { color:#9fb7bb; }.call-log-card li b { text-align:right; }
.exception-grid { display:grid; grid-template-columns:.8fr 1.2fr; gap:70px; align-items:start; }
.exception-cards { display:grid; grid-template-columns:1fr 1fr; gap:14px; }
.exception-cards article { padding:24px; border-radius:22px; background:#f1f6f5; }
.exception-cards strong,.exception-cards span { display:block; }.exception-cards strong { color:#183d47; margin-bottom:7px; }.exception-cards span { color:#66777c; font-size:.9rem; }
.official-links { padding:28px 0; background:#e7efed; }
.official-links .wrap { display:flex; align-items:center; justify-content:space-between; gap:25px; }
.official-links p { font-weight:800; }.official-links div div { display:flex; flex-wrap:wrap; gap:18px; }.official-links a { color:#1e6065; font-weight:800; }
.callout-dnc { margin:32px 0; }
.callout-dnc a { display:grid; grid-template-columns:auto 1fr auto; align-items:center; gap:18px; padding:22px 24px; border-radius:22px; background:linear-gradient(120deg,#143742,#235f60); color:#fff; text-decoration:none; box-shadow:0 18px 45px rgba(14,46,55,.2); }
.callout-dnc .dnc-icon { display:grid; place-items:center; width:52px; height:52px; border-radius:16px; background:#ffc65d; color:#17333b; font-size:1.5rem; font-weight:900; }
.callout-dnc strong,.callout-dnc span { display:block; }.callout-dnc strong { font-size:1.12rem; }.callout-dnc span { color:#cfe0e1; font-size:.9rem; }.callout-dnc b { color:#ffc65d; }

@media (max-width:900px) {
  .call-hero-grid,.call-log-grid,.exception-grid { grid-template-columns:1fr; }
  .call-steps { grid-template-columns:1fr 1fr; }
  .phone-art { min-height:470px; }
}
@media (max-width:620px) {
  .call-hero { padding:50px 0; }.call-hero h1 { font-size:3.6rem; }
  .call-steps,.exception-cards { grid-template-columns:1fr; }
  .call-steps article { min-height:340px; }
  .phone-shell { width:245px; height:450px; }
  .phone-art { min-height:440px; }.signal-b { width:390px; height:390px; }
  .shield-badge { right:4px; }
  .official-links .wrap,.official-links div div { display:block; }.official-links a { display:block; margin:9px 0; }
  .callout-dnc a { grid-template-columns:auto 1fr; }.callout-dnc b { grid-column:2; }
}
body.theme-mortgage { --accent:#f1ae37; --accent-2:#58c1e8; --hero-a:#081b31; --hero-b:#116a8b; }
body.theme-term { --accent:#f2b643; --accent-2:#67c99a; --hero-a:#09251f; --hero-b:#176b54; }
body.theme-whole { --accent:#e9b949; --accent-2:#aa8de3; --hero-a:#17152f; --hero-b:#5b3f80; }
body.theme-iul { --accent:#e1a83d; --accent-2:#58aeb7; --hero-a:#132626; --hero-b:#376e73; }

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--cream);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
}
a { color: inherit; }
.wrap { width: min(1120px, calc(100% - 36px)); margin: 0 auto; }
.nav {
  position: sticky;
  top: 0;
  z-index: 30;
  border-bottom: 1px solid rgba(255, 255, 255, .1);
  background: rgba(8, 25, 41, .94);
  box-shadow: 0 10px 30px rgba(6, 20, 32, .16);
  backdrop-filter: blur(18px) saturate(1.2);
  -webkit-backdrop-filter: blur(18px) saturate(1.2);
  color: var(--white);
}
.nav-in { min-height: 72px; display: flex; align-items: center; justify-content: space-between; gap: 20px; }
.brand { display: flex; align-items: center; gap: 12px; font-weight: 800; letter-spacing: -.015em; text-decoration: none; white-space: nowrap; }
.mark {
  display: grid;
  width: 42px;
  height: 42px;
  place-items: center;
  overflow: hidden;
  border: 1px solid rgba(20,126,155,.2);
  border-radius: 13px;
  background-color: #fff;
  background-image: url("jay-vital-solutions-logo.jpeg");
  background-position: 50% 37%;
  background-repeat: no-repeat;
  background-size: 330%;
  color: transparent;
  font-size: 0;
  text-indent: -9999px;
  box-shadow: 0 8px 20px rgba(13,52,85,.14);
}
.nav-cta, .button {
  display: inline-flex;
  min-height: 48px;
  align-items: center;
  justify-content: center;
  border: 0;
  border-radius: 8px;
  background: linear-gradient(135deg,var(--accent),#ffd77d);
  color: #16110a;
  font-weight: 850;
  text-decoration: none;
  cursor: pointer;
  box-shadow: 0 10px 24px color-mix(in srgb, var(--accent) 28%, transparent);
  transition: transform .18s ease, box-shadow .18s ease, filter .18s ease;
}
.nav-cta:hover, .button:hover { transform: translateY(-2px); filter: saturate(1.05); box-shadow: 0 14px 30px color-mix(in srgb, var(--accent) 38%, transparent); }
.nav-cta { min-height: 44px; padding: 0 18px; border-radius: 10px; background:linear-gradient(135deg,#105a82,#147e9b 58%,#48a96d); color:#fff; font-size: .88rem; box-shadow: 0 8px 20px rgba(20,126,155,.22); }
.hero {
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(circle at 88% 12%, color-mix(in srgb, var(--accent-2) 40%, transparent), transparent 35%),
    linear-gradient(140deg, var(--hero-a), color-mix(in srgb, var(--hero-a) 62%, var(--hero-b)) 62%, var(--hero-b));
  color: var(--white);
}
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  pointer-events: none;
  opacity: .22;
  background-image:
    linear-gradient(rgba(255,255,255,.06) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,.06) 1px, transparent 1px);
  background-size: 42px 42px;
  mask-image: linear-gradient(to right, #000, transparent 78%);
}
.hero > * { position: relative; z-index: 1; }
.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.1fr) minmax(340px, .75fr);
  gap: 52px;
  align-items: center;
  padding: 66px 0;
}
.eyebrow {
  margin: 0 0 14px;
  color: color-mix(in srgb, var(--accent) 72%, white);
  font-size: .8rem;
  font-weight: 850;
  letter-spacing: .12em;
  text-transform: uppercase;
}
h1, h2, h3 { margin-top: 0; line-height: 1.08; }
h1 { max-width: 760px; margin-bottom: 20px; font-family: Georgia, serif; font-size: clamp(2.45rem, 6.4vw, 4.6rem); letter-spacing: -.035em; }
h1 strong { color: color-mix(in srgb, var(--accent) 78%, white); font-weight: inherit; }
.hero-copy { max-width: 650px; margin: 0 0 24px; color: #e4eef5; font-size: clamp(1.03rem, 2.3vw, 1.2rem); }
.trust { display: flex; flex-wrap: wrap; gap: 10px 20px; margin-top: 24px; color: #d7e7ef; font-size: .9rem; }
.trust span::before { content: "✓"; margin-right: 7px; color: #8ee0bd; font-weight: 900; }
.hero-visual {
  display: grid;
  grid-template-columns: 116px 1fr;
  gap: 18px;
  align-items: center;
  max-width: 590px;
  margin-top: 30px;
  padding: 17px 20px;
  border: 1px solid rgba(255,255,255,.2);
  border-radius: 15px;
  background: rgba(255,255,255,.09);
  box-shadow: inset 0 1px rgba(255,255,255,.14), 0 18px 38px rgba(0,0,0,.12);
  backdrop-filter: blur(10px);
}
.hero-visual img { width: 110px; height: 90px; object-fit: contain; filter: drop-shadow(0 12px 18px rgba(0,0,0,.2)); }
.hero-visual strong { display: block; margin-bottom: 4px; font-family: Georgia, serif; font-size: 1.15rem; }
.hero-visual p { margin: 0; color: #d9e9f2; font-size: .86rem; }
.card { padding: 26px; border: 1px solid rgba(255, 255, 255, .28); border-radius: 14px; background: var(--white); color: var(--ink); box-shadow: var(--shadow); }
.card::before { content:""; display:block; height:5px; margin:-26px -26px 22px; border-radius:14px 14px 0 0; background:linear-gradient(90deg,var(--accent),var(--accent-2)); }
.card h2 { margin-bottom: 6px; font-family: Georgia, serif; font-size: 1.75rem; }
.card-intro { margin: 0 0 20px; color: var(--muted); font-size: .94rem; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 13px; }
.form-step {
  display: none;
  grid-column: 1 / -1;
  grid-template-columns: 1fr 1fr;
  gap: 13px;
}
.form-step.active { display: grid; }
.form-step > .full { grid-column: 1 / -1; }
.step-status {
  grid-column: 1 / -1;
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 2px;
  color: var(--muted);
  font-size: .76rem;
  font-weight: 800;
}
.step-bar { height: 5px; flex: 1; overflow: hidden; border-radius: 99px; background: #e4ebef; }
.step-bar span { display: block; width: 50%; height: 100%; border-radius: inherit; background: linear-gradient(90deg,var(--accent-2),var(--accent)); transition: width .2s ease; }
.step-status[data-step="2"] .step-bar span { width: 100%; }
.step-actions { grid-column: 1 / -1; display: grid; grid-template-columns: 1fr 1.5fr; gap: 10px; }
.button.secondary { border: 1px solid #b9c8d1; background: #fff; color: var(--ink); }
.field { display: flex; flex-direction: column; gap: 6px; }
.field.full { grid-column: 1 / -1; }
label { font-size: .8rem; font-weight: 800; }
input, select {
  width: 100%;
  min-height: 48px;
  border: 1px solid #cbd6dd;
  border-radius: 7px;
  background: #fbfdfe;
  color: var(--ink);
  padding: 0 12px;
  font: inherit;
}
input:hover, select:hover { border-color: #9fb5c3; }
input:focus, select:focus { outline: 3px solid rgba(22, 78, 120, .18); border-color: var(--blue); }
.consent {
  display: grid;
  grid-template-columns: 20px 1fr;
  gap: 9px;
  align-items: start;
  margin: 15px 0;
  color: var(--muted);
  font-size: .72rem;
}
.consent input { width: 18px; min-height: 18px; margin: 2px 0 0; }
.button { width: 100%; padding: 0 18px; font-size: 1rem; }
.button[disabled] { opacity: .65; cursor: progress; }
.micro { margin: 10px 0 0; color: var(--muted); font-size: .72rem; text-align: center; }
.success { display: none; padding: 34px 16px; text-align: center; }
.success-icon { display: grid; width: 58px; height: 58px; margin: 0 auto 14px; place-items: center; border-radius: 50%; background: #dff7ec; color: var(--green); font-size: 1.8rem; font-weight: 900; }
.success .button { width: auto; min-width: 230px; margin-top: 10px; padding: 0 22px; }
.section { padding: 74px 0; }
.section.white { background: #fff; }
.section-head { max-width: 760px; margin: 0 auto 36px; text-align: center; }
.section-head h2 { margin-bottom: 12px; font-family: Georgia, serif; font-size: clamp(2rem, 4vw, 3rem); }
.section-head p { margin: 0; color: var(--muted); font-size: 1.05rem; }
.breadcrumbs { padding: 14px 0; color: var(--muted); font-size: .78rem; }
.breadcrumbs a { color: var(--blue); }
.article { max-width: 860px; }
.article h2 { margin: 42px 0 12px; font-family: Georgia, serif; font-size: clamp(1.7rem, 3.5vw, 2.4rem); }
.article h3 { margin: 28px 0 8px; font-size: 1.2rem; }
.article p, .article li { color: #3f505d; }
.article a { color: var(--blue); }
.comparison { display: block; width: 100%; margin: 22px 0; overflow-x: auto; border-collapse: collapse; background: #fff; font-size: .92rem; }
.comparison th, .comparison td { padding: 13px; border: 1px solid var(--line); text-align: left; vertical-align: top; }
.comparison th { background: #eaf4fa; }
.faq { display: grid; gap: 12px; margin-top: 24px; }
.faq details { border: 1px solid var(--line); border-radius: 10px; background: #fff; padding: 0 18px; }
.faq details[open] { border-color:color-mix(in srgb,var(--accent-2) 55%,var(--line)); box-shadow:0 10px 28px rgba(11,31,51,.07); }
.faq summary { padding: 17px 0; font-weight: 850; cursor: pointer; }
.faq summary::marker { color:var(--accent); }
.faq p { margin: 0 0 17px; color: var(--muted); }
.product-links { display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px; }
.product-link { display: flex; min-height: 230px; flex-direction: column; justify-content: space-between; padding: 27px; border: 1px solid var(--line); border-radius: 12px; background: #fff; text-decoration: none; box-shadow: 0 8px 30px rgba(11,31,51,.06); }
.product-link span { color: var(--blue); font-weight: 850; }
.tiles { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.tile { padding: 26px; border: 1px solid var(--line); border-radius: 12px; background: var(--white); box-shadow: 0 8px 30px rgba(11,31,51,.06); }
.tile { position:relative; overflow:hidden; transition:transform .2s ease, box-shadow .2s ease; }
.tile::after { content:""; position:absolute; right:-28px; bottom:-28px; width:86px; height:86px; border-radius:50%; background:color-mix(in srgb,var(--accent-2) 13%,transparent); }
.tile:hover { transform:translateY(-4px); box-shadow:0 18px 38px rgba(11,31,51,.11); }
.tile .num { color: var(--blue); font-size: .8rem; font-weight: 900; letter-spacing: .12em; }
.tile h3 { margin: 10px 0 9px; font-size: 1.2rem; }
.tile p { margin: 0; color: var(--muted); }
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 44px; align-items: center; }
.split h2 { font-family: Georgia, serif; font-size: clamp(2rem, 4vw, 3rem); }
.checks { display: grid; gap: 12px; padding: 0; list-style: none; }
.checks li { display: grid; grid-template-columns: 27px 1fr; gap: 10px; }
.checks li::before { content: "✓"; display: grid; width: 24px; height: 24px; place-items: center; border-radius: 50%; background: #dff7ec; color: var(--green); font-weight: 900; }
.note { padding: 25px; border-left: 4px solid var(--gold); border-radius: 0 10px 10px 0; background: #fff6df; color: #56431c; }
.cta-band { padding: 54px 0; background: var(--navy); color: var(--white); text-align: center; }
.cta-band h2 { margin-bottom: 10px; font-family: Georgia, serif; font-size: clamp(2rem, 4vw, 3rem); }
.cta-band p { margin: 0 auto 22px; max-width: 680px; color: #cfdee8; }
.cta-band .button { width: auto; min-width: 230px; padding: 0 26px; }
footer { padding: 34px 0; background: #071624; color: #b9c7d1; font-size: .76rem; }
.footer-grid { display: flex; justify-content: space-between; gap: 24px; }
.footer-copy { max-width: 780px; }
.footer-links { display: flex; gap: 15px; white-space: nowrap; }
.footer-links a { color: #fff; }

/* Clean editorial presentation */
body { background:#fff; }
.nav {
  border-bottom:1px solid #e8e3da;
  background:rgba(255,255,255,.94);
  color:var(--ink);
  backdrop-filter:blur(14px);
}
.nav-cta, .button {
  background:var(--accent);
  box-shadow:none;
}
.nav-cta:hover, .button:hover { box-shadow:0 10px 24px color-mix(in srgb,var(--accent) 25%,transparent); }
.hero {
  background:#f7f5ef;
  color:var(--ink);
}
.hero::before { display:none; }
.hero-grid {
  grid-template-columns:minmax(0,.86fr) minmax(420px,1.14fr);
  gap:54px;
  padding:62px 0 74px;
}
.hero-grid > div:first-child { align-self:center; }
.eyebrow { color:color-mix(in srgb,var(--accent) 72%,#5c4214); }
.hero-copy { color:#485965; }
.trust { color:#43535f; }
.trust span::before { color:color-mix(in srgb,var(--accent-2) 75%,#245e4c); }
.hero-photo {
  position:relative;
  margin:0;
  overflow:hidden;
  border-radius:26px;
  background:#e9e4da;
  box-shadow:0 24px 60px rgba(27,35,42,.13);
  align-self:center;
}
.hero-photo img { width:100%; height:auto; display:block; object-fit:contain; }
.hero-photo figcaption {
  position:static;
  padding:13px 16px;
  border-top:1px solid #e6e1d8;
  background:#fff;
  color:#33434f;
  font-size:.8rem;
}
.hero-visual { display:none; }
.card {
  grid-column:1 / -1;
  width:min(900px,100%);
  margin:4px auto 0;
  border:1px solid #e1ddd4;
  border-radius:18px;
  box-shadow:0 20px 50px rgba(27,35,42,.09);
}
.card::before { height:4px; }
.section { background:#fff; }
.section.white { background:#f8f7f3; }
.tile { border:0; border-radius:16px; background:#f7f6f2; box-shadow:none; }
.tile:hover { box-shadow:0 16px 34px rgba(11,31,51,.08); }
.product-link { border:0; border-radius:18px; background:#f7f6f2; box-shadow:none; }
.comparison { border-radius:12px; }
.faq details { border-color:#e5e1d9; border-radius:12px; }
.cta-band { background:#102435; }

@media (max-width: 860px) {
  .hero-grid, .split { grid-template-columns: 1fr; }
  .hero-grid { gap: 34px; padding: 42px 0; }
  .tiles { grid-template-columns: 1fr; }
  .product-links { grid-template-columns: 1fr; }
  .section { padding: 54px 0; }
}

@media (max-width: 560px) {
  .wrap { width: min(100% - 24px, 1120px); }
  .nav-in { min-height: 58px; }
  .brand { gap: 8px; font-size: .86rem; }
  .mark { width: 36px; height: 36px; border-radius: 11px; }
  .nav-cta { min-height: 38px; max-width: 170px; padding: 7px 12px; font-size: .74rem; line-height: 1.15; text-align: center; white-space: normal; }
  .hero-grid { padding: 34px 0 38px; }
  h1 { font-size: clamp(2.25rem, 12vw, 3.2rem); }
  .card { margin: 0 -2px; padding: 20px 16px; }
  .card::before { margin:-20px -16px 18px; }
  .hero-visual { grid-template-columns:82px 1fr; padding:14px; }
  .hero-visual img { width:78px; height:68px; }
  .hero-photo { border-radius:18px; }
  .hero-photo figcaption { font-size:.72rem; }
  .form-grid { grid-template-columns: 1fr; }
  .form-step { grid-template-columns: 1fr; }
  .field.full { grid-column: auto; }
  .form-step > .full { grid-column: auto; }
  .step-status, .step-actions { grid-column: auto; }
  .footer-grid { flex-direction: column; }
  .footer-links { flex-wrap: wrap; }
}

/* Modern bento refinement */
.decision-section {
  background:
    radial-gradient(circle at 12% 0%, rgba(80,174,168,.13), transparent 34rem),
    radial-gradient(circle at 96% 74%, rgba(222,169,67,.1), transparent 30rem),
    #f7f9f8;
}
.decision-section .article > h2 {
  max-width: 830px;
  font-size: clamp(2.35rem, 5vw, 4.5rem);
  line-height: .98;
  letter-spacing: -.035em;
}
.decision-intro {
  max-width: 680px;
  margin-top: 12px;
  font-size: 1.12rem;
  line-height: 1.7;
}
.decision-grid {
  grid-template-columns: repeat(2, minmax(0,1fr));
  gap: 18px;
  margin-top: 36px;
}
.decision-grid > li {
  min-height: 170px;
  padding: 32px 32px 30px 88px;
  border: 1px solid rgba(21,61,71,.09);
  border-radius: 26px;
  background: linear-gradient(135deg,rgba(255,255,255,.98),rgba(249,252,251,.9));
  box-shadow: 0 1px 0 rgba(255,255,255,.95) inset, 0 16px 50px rgba(20,50,59,.07);
  font-size: 1rem;
  transition: transform .32s cubic-bezier(.2,.8,.2,1), box-shadow .32s ease, border-color .32s ease;
}
.decision-grid > li::after {
  content: "";
  position: absolute;
  inset: 0 auto 0 0;
  width: 5px;
  border-radius: 26px 0 0 26px;
  background: linear-gradient(180deg,#53aaa5,#e1a943);
  opacity: .65;
}
.decision-grid > li::before {
  top: 29px;
  left: 26px;
  min-width: auto;
  height: auto;
  padding: 0;
  border-radius: 0;
  background: transparent;
  color: #2f6c70;
  font-family: Georgia, "Times New Roman", serif;
  font-size: 1.35rem;
  letter-spacing: -.02em;
}
.decision-grid > li:hover {
  transform: translateY(-5px);
  border-color: rgba(61,139,139,.22);
  box-shadow: 0 24px 60px rgba(20,50,59,.12);
}
.education-page .faq { gap: 18px; }
.education-page .faq details {
  padding: 8px 22px;
  border: 1px solid rgba(21,61,71,.1);
  border-radius: 22px;
  background: rgba(255,255,255,.9);
  box-shadow: 0 12px 36px rgba(20,50,59,.06);
  transition: transform .28s ease, box-shadow .28s ease;
}
.education-page .faq details:hover {
  transform: translateY(-3px);
  box-shadow: 0 19px 45px rgba(20,50,59,.1);
}
.education-page .faq details[open] { background: linear-gradient(145deg,#fff,#f2f8f7); }
.education-page .faq summary { min-height: 82px; padding-right: 18px; font-size: 1rem; }
.benefit-cluster {
  min-height: 260px;
  border: 1px solid rgba(255,255,255,.16);
  border-radius: 30px;
  box-shadow: 0 18px 55px rgba(17,44,53,.11);
  transition: transform .35s cubic-bezier(.2,.8,.2,1), box-shadow .35s ease;
}
.benefit-cluster:hover {
  transform: translateY(-7px) scale(1.006);
  box-shadow: 0 30px 70px rgba(17,44,53,.18);
}
.benefit-pills span {
  backdrop-filter: blur(9px);
  -webkit-backdrop-filter: blur(9px);
  transition: background .25s ease, transform .25s ease;
}
.benefit-pills span:hover { background: rgba(255,255,255,.18); transform: translateY(-2px); }
.health-hub .product-link {
  min-height: 235px;
  border: 1px solid rgba(26,70,79,.07);
  box-shadow: 0 16px 50px rgba(16,45,55,.08);
  transition: transform .35s cubic-bezier(.2,.8,.2,1), box-shadow .35s ease;
}
.health-hub .product-link::before { width: 36px; height: 4px; margin-bottom: 28px; }

@media (max-width: 760px) {
  .decision-grid { grid-template-columns: 1fr; }
  .decision-grid > li { min-height: 0; padding: 28px 24px 26px 74px; }
  .decision-grid > li::before { left: 23px; top: 26px; }
}

/* Site-wide experience polish */
html { scroll-behavior: smooth; }
body {
  background:
    radial-gradient(circle at 7% 2%, rgba(84,167,157,.11), transparent 31rem),
    radial-gradient(circle at 94% 28%, rgba(220,166,71,.09), transparent 29rem),
    #f5f7f6;
}
a, button, input, select, textarea, summary { -webkit-tap-highlight-color: transparent; }
:focus-visible { outline: 3px solid rgba(45,126,124,.55); outline-offset: 3px; }
.nav {
  background: rgba(251,248,241,.84);
  -webkit-backdrop-filter: blur(18px) saturate(1.2);
  backdrop-filter: blur(18px) saturate(1.2);
  border-bottom: 1px solid rgba(28,66,73,.09);
  box-shadow: 0 8px 28px rgba(21,53,60,.05);
}
.card {
  border: 1px solid rgba(255,255,255,.82);
  border-radius: 26px;
  background: rgba(255,255,255,.88);
  -webkit-backdrop-filter: blur(18px);
  backdrop-filter: blur(18px);
  box-shadow: 0 20px 55px rgba(20,50,59,.1), inset 0 1px 0 rgba(255,255,255,.95);
}
.hero-photo {
  overflow: hidden;
  border: 1px solid rgba(255,255,255,.72);
  border-radius: 26px;
  background: rgba(255,255,255,.7);
  box-shadow: 0 24px 65px rgba(20,50,59,.14);
}
.tile, .product-link, .note, .cash-use, .event-flow article {
  border-color: rgba(25,65,73,.09);
  border-radius: 22px;
  background: rgba(255,255,255,.84);
  -webkit-backdrop-filter: blur(14px);
  backdrop-filter: blur(14px);
  box-shadow: 0 14px 42px rgba(20,50,59,.07), inset 0 1px 0 rgba(255,255,255,.92);
}
.tile, .product-link {
  transition: transform .3s cubic-bezier(.2,.8,.2,1), box-shadow .3s ease, border-color .3s ease;
}
.tile:hover, .product-link:hover {
  transform: translateY(-5px);
  border-color: rgba(49,132,128,.22);
  box-shadow: 0 23px 55px rgba(20,50,59,.12);
}
.button, .nav-cta { border-radius: 999px; }
.field input, .field select, .field textarea {
  min-height: 48px;
  border-radius: 12px;
  background: rgba(255,255,255,.9);
}
.breadcrumbs { padding-top: 18px; }
footer { border-top: 1px solid rgba(255,255,255,.08); }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: .01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: .01ms !important;
  }
}

/* Jay Vital Solutions brand system */
.nav-cta, .button {
  background: linear-gradient(135deg,#105a82,#147e9b 58%,#48a96d);
  color: #fff;
  box-shadow: 0 10px 25px rgba(20,126,155,.2);
}
.nav-cta:hover, .button:hover {
  color: #fff;
  box-shadow: 0 14px 32px rgba(20,126,155,.28);
}
.mark {
  background-color: #fff;
  background-image: url("jay-vital-solutions-logo.jpeg");
  background-position: 50% 37%;
  background-repeat: no-repeat;
  background-size: 330%;
  border-color: rgba(20,126,155,.2);
}

/* Unified inner-page brand and navigation */
.nav { padding: 10px 0; background: linear-gradient(180deg,rgba(244,248,248,.97),rgba(244,248,248,.72) 78%,transparent); border: 0; box-shadow: none; }
.nav .nav-in { position: relative; min-height: 66px; padding: 8px 10px 8px 12px; border: 1px solid rgba(255,255,255,.88); border-radius: 20px; background: rgba(255,255,255,.84); box-shadow: 0 13px 36px rgba(13,52,85,.09),inset 0 1px 0 #fff; }
.brand-name { display: flex; flex-direction: column; line-height: 1.05; }
.brand-name small { margin-top: 4px; color: #147e9b; font-size: .56rem; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; }
.inner-nav-menu { display: flex; align-items: center; gap: 4px; margin-left: auto; font-size: .84rem; font-weight: 750; }
.inner-nav-menu > a:not(.nav-cta) { padding: 10px 11px; border-radius: 10px; color: rgba(16,40,59,.72); text-decoration: none; transition: color .2s,background .2s,transform .2s; }
.inner-nav-menu > a:not(.nav-cta):hover { color: #10283b; background: rgba(20,126,155,.07); transform: translateY(-1px); }
.inner-nav-menu .nav-cta { min-height: 42px; margin-left: 6px; padding: 7px 17px; }
.inner-menu-toggle { display: none; width: 44px; height: 44px; place-items: center; border: 1px solid rgba(20,126,155,.18); border-radius: 13px; background: #fff; color: #0d3455; font: 700 1.15rem/1 sans-serif; box-shadow: 0 7px 20px rgba(13,52,85,.08); cursor: pointer; }
.hero { background: radial-gradient(circle at 86% 14%,rgba(72,169,109,.13),transparent 26rem),radial-gradient(circle at 12% 86%,rgba(20,126,155,.1),transparent 24rem),linear-gradient(145deg,#f8fbfb,#edf5f6); }
.hero h1 strong { background: linear-gradient(100deg,#105a82,#147e9b 55%,#3b9f67); -webkit-background-clip: text; background-clip: text; color: transparent; }

@media (max-width: 860px) {
  .nav .nav-in { min-height: 60px; }
  .inner-menu-toggle { display: grid; margin-left: auto; }
  .inner-nav-menu { display: none; position: absolute; top: calc(100% + 10px); left: 0; right: 0; z-index: 40; padding: 10px; border: 1px solid rgba(20,126,155,.12); border-radius: 18px; background: rgba(255,255,255,.98); box-shadow: 0 22px 50px rgba(13,52,85,.16); flex-direction: column; align-items: stretch; }
  .inner-nav-menu.open { display: flex; }
  .inner-nav-menu > a:not(.nav-cta) { padding: 12px 14px; }
  .inner-nav-menu .nav-cta { max-width: none; margin: 6px 0 0; text-align: center; }
}

/* 2026 editorial refresh: restrained, credible, and consistent */
body {
  background: #f7f8f7;
  color: #142536;
}
.nav {
  padding: 0;
  background: #fff;
  border-bottom: 1px solid #dce4e8;
  box-shadow: none;
  -webkit-backdrop-filter: none;
  backdrop-filter: none;
}
.nav .nav-in {
  min-height: 76px;
  padding: 0;
  border: 0;
  border-radius: 0;
  background: #fff;
  box-shadow: none;
}
.mark { border-radius: 8px; box-shadow: none; }
.inner-nav-menu > a:not(.nav-cta) {
  border-radius: 4px;
  transition: color .18s ease, background .18s ease;
}
.inner-nav-menu > a:not(.nav-cta):hover {
  background: #eef5f5;
  transform: none;
}
.nav-cta, .button {
  border-radius: 5px;
  background: #116f79;
  box-shadow: none;
}
.nav-cta:hover, .button:hover {
  background: #0c5962;
  box-shadow: none;
  transform: none;
}
.hero {
  background: #edf4f3;
  border-bottom: 1px solid #d9e6e4;
}
.hero > .wrap[style] { padding-top: 54px !important; padding-bottom: 54px !important; }
.hero h1 { max-width: 850px; letter-spacing: -.035em; }
.hero h1 strong {
  background: none;
  -webkit-background-clip: initial;
  background-clip: initial;
  color: #116f79;
}
.hero-copy { color: #425764; }
.section { background: #fff; }
.section.white { background: #f7f8f7; }
.card, .tile, .product-link, .note, .cash-use, .event-flow article,
.education-page .faq details, .decision-grid > li {
  border: 1px solid #dce4e8;
  border-radius: 10px;
  background: #fff;
  box-shadow: none;
  -webkit-backdrop-filter: none;
  backdrop-filter: none;
}
.card::before { border-radius: 10px 10px 0 0; background: #116f79; }
.tile:hover, .product-link:hover, .education-page .faq details:hover,
.decision-grid > li:hover {
  border-color: #9db8bc;
  box-shadow: none;
  transform: none;
}
.tile::after, .decision-grid > li::after { display: none; }
.field input, .field select, .field textarea {
  border-radius: 5px;
  background: #fff;
}
.breadcrumbs { color: #60717c; }
.benefit-cluster {
  border-radius: 10px;
  box-shadow: none;
  transition: none;
}
.benefit-cluster:hover { transform: none; box-shadow: none; }
.benefit-pills span { -webkit-backdrop-filter: none; backdrop-filter: none; }
.health-hub .product-link { border: 1px solid #dce4e8; box-shadow: none; }
.about-layout {
  display: grid;
  max-width: 1060px;
  grid-template-columns: minmax(250px, 340px) minmax(0, 1fr);
  gap: clamp(36px, 7vw, 86px);
  align-items: start;
}
.about-portrait {
  position: sticky;
  top: 100px;
  overflow: hidden;
  margin: 42px 0 0;
  border: 1px solid #d4dee2;
  border-radius: 8px;
  background: #fff;
}
.about-portrait img {
  display: block;
  width: 100%;
  height: auto;
}
.about-portrait figcaption {
  display: grid;
  gap: 3px;
  padding: 18px 20px;
  border-top: 1px solid #dce4e8;
  color: #536671;
  font-size: .82rem;
}
.about-portrait strong { color: #142536; font: 700 1.2rem Georgia, serif; }
.about-contact { display: inline-flex; width: auto; margin: 10px 0 4px; text-decoration: none; }
@media (max-width: 760px) {
  .nav .nav-in { min-height: 66px; padding: 0; }
  .inner-menu-toggle { border-radius: 5px; box-shadow: none; }
  .inner-nav-menu {
    top: 100%;
    border-radius: 0 0 8px 8px;
    box-shadow: 0 16px 30px rgba(11,31,51,.12);
  }
  .about-layout { grid-template-columns: 1fr; gap: 12px; }
  .about-portrait { position: static; max-width: 380px; margin: 10px 0 20px; }
}

/* Focused IUL language and consumer-help presentation */
.iul-benefit-grid { grid-template-columns: repeat(4, minmax(0, 1fr)); }
.iul-conversation { background: #0c2740; color: #fff; }
.iul-conversation .section-head h2 { color: #fff; }
.iul-conversation .section-head p { color: #c8d7df; }
.iul-conversation .section-head .eyebrow { color: #8fd1cb; }
.iul-question-grid { display: grid; grid-template-columns: repeat(3, minmax(0,1fr)); gap: 1px; overflow: hidden; border: 1px solid rgba(255,255,255,.13); border-radius: 8px; background: rgba(255,255,255,.13); }
.iul-question-grid article { min-height: 240px; padding: 28px; background: #123553; }
.iul-question-grid article > span { color: #8fd1cb; font-size: .72rem; font-weight: 900; letter-spacing: .14em; }
.iul-question-grid h3 { margin: 30px 0 10px; color: #fff; font-size: 1.16rem; }
.iul-question-grid p { margin: 0; color: #c5d4dc; font-size: .9rem; }
.iul-fit-grid { display: grid; grid-template-columns: .8fr 1.2fr; gap: clamp(38px,7vw,90px); align-items: start; }
.iul-fit-grid h2 { font-family: Georgia, serif; font-size: clamp(2.1rem,4vw,3.2rem); }
.iul-fit-list { display: grid; gap: 1px; overflow: hidden; border: 1px solid #dce4e8; border-radius: 8px; background: #dce4e8; }
.iul-fit-list article { display: grid; gap: 5px; padding: 20px 22px; background: #fff; }
.iul-fit-list strong { color: #10283b; }
.iul-fit-list span { color: #5b6d77; font-size: .9rem; }
.call-help-page .nav { background: #fff; }
.call-help-page .call-hero {
  padding: 86px 0 72px;
  background: #0c2740;
}
.call-hero-center { max-width: 980px; text-align: center; }
.call-shield {
  display: grid;
  width: 84px;
  height: 84px;
  margin: 0 auto 24px;
  place-items: center;
  border-radius: 50%;
  background: #116f79;
  color: #fff;
  font: 300 3rem/1 sans-serif;
}
.call-hero-center .eyebrow { justify-content: center; color: #8fd1cb; }
.call-hero-center .eyebrow::before { display: none; }
.call-hero-center h1 {
  max-width: none;
  margin: 12px auto 22px;
  color: #fff;
  font-family: "Libre Franklin", sans-serif;
  font-size: clamp(3.2rem, 7vw, 6.6rem);
  font-weight: 850;
  line-height: .92;
  letter-spacing: -.055em;
}
.call-hero-center > p:not(.eyebrow) { max-width: 700px; margin: 0 auto; color: #cedce4; }
.call-hero-center .call-actions { justify-content: center; }
.call-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  max-width: 760px;
  margin: 56px auto 0;
  border-top: 1px solid rgba(255,255,255,.14);
  padding-top: 30px;
}
.call-stats div { display: grid; gap: 3px; }
.call-stats strong { color: #8fd1cb; font-size: 2rem; }
.call-stats span { color: #c7d5de; font-size: .8rem; }
.call-steps article { border: 1px solid #dce4e8; border-radius: 8px; box-shadow: none; }
.call-video-section { background: #eef3f4; }
.call-video-grid { display: grid; grid-template-columns: repeat(2, minmax(0,1fr)); gap: 24px; }
.call-video-grid article { padding: 18px 18px 24px; border: 1px solid #d7e1e4; border-radius: 8px; background: #fff; }
.video-frame { position: relative; overflow: hidden; aspect-ratio: 16 / 9; border-radius: 5px; background: #0c2740; }
.video-frame iframe { position: absolute; inset: 0; width: 100%; height: 100%; border: 0; }
.call-video-grid h3 { margin: 20px 4px 8px; font-size: 1.25rem; }
.call-video-grid p { margin: 0 4px; color: #60717b; }
@media (max-width: 860px) {
  .iul-benefit-grid { grid-template-columns: repeat(2, minmax(0,1fr)); }
  .iul-question-grid { grid-template-columns: repeat(2, minmax(0,1fr)); }
  .iul-fit-grid { grid-template-columns: 1fr; }
}
@media (max-width: 620px) {
  .iul-benefit-grid, .iul-question-grid, .call-stats, .call-video-grid { grid-template-columns: 1fr; }
  .call-stats { gap: 22px; }
  .call-help-page .call-hero { padding: 58px 0 48px; }
}

/* Unified protection theme for every insurance and information subpage */
body:not(.call-help-page) .hero {
  position: relative;
  isolation: isolate;
  overflow: hidden;
  background:
    linear-gradient(180deg, rgba(255,255,255,.84), rgba(244,248,249,.94)),
    #f5f8fa;
  color: #142536;
  border-bottom: 1px solid #dce6e8;
}
body:not(.call-help-page) .hero::before {
  content: "";
  position: absolute;
  inset: auto -105px -185px auto;
  width: 510px;
  height: 510px;
  border: 1px solid rgba(17,111,121,.2);
  border-radius: 50%;
  opacity: 1;
  background:
    radial-gradient(circle at 38% 32%, rgba(255,255,255,.92), rgba(209,235,236,.56) 35%, rgba(17,111,121,.12) 66%, transparent 68%);
  box-shadow:
    inset 22px 18px 46px rgba(255,255,255,.72),
    inset -18px -14px 44px rgba(17,111,121,.14);
  mask-image: none;
  pointer-events: none;
}
body:not(.call-help-page) .hero::after {
  content: "";
  position: absolute;
  right: 235px;
  bottom: 44px;
  width: 120px;
  height: 120px;
  border: 1px solid rgba(17,111,121,.2);
  border-radius: 50%;
  background: rgba(255,255,255,.46);
  box-shadow: inset 10px 8px 24px rgba(255,255,255,.84);
  pointer-events: none;
}
body:not(.call-help-page) .hero > * { position: relative; z-index: 2; }
body:not(.call-help-page) .hero-grid { padding: 82px 0; gap: 44px; }
body:not(.call-help-page) .hero > .wrap[style] {
  padding-top: 80px !important;
  padding-bottom: 80px !important;
}
body:not(.call-help-page) .hero .eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  color: #116f79;
  letter-spacing: .16em;
}
body:not(.call-help-page) .hero .eyebrow::before {
  content: "";
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: #116f79;
}
body:not(.call-help-page) .hero h1 {
  max-width: 900px;
  color: #10283b;
  font-family: Inter, ui-sans-serif, system-ui, sans-serif;
  font-size: clamp(2.8rem, 6vw, 5.5rem);
  font-weight: 850;
  line-height: .95;
  letter-spacing: -.055em;
  text-transform: uppercase;
}
body:not(.call-help-page) .hero h1 strong {
  display: block;
  color: #116f79;
  font-weight: 850;
}
body:not(.call-help-page) .hero-copy {
  max-width: 680px;
  color: #4a5d68;
  font-size: 1.05rem;
}
body:not(.call-help-page) .trust { color: #526773; }
body:not(.call-help-page) .trust span::before { color: #116f79; }
body:not(.call-help-page) .hero-photo {
  border: 1px solid #d5e2e5;
  border-radius: 8px;
  background: #fff;
  box-shadow: none;
}
body:not(.call-help-page) .hero-photo figcaption {
  border-top: 1px solid #dce5e8;
  background: #fff;
  color: #526671;
}
body:not(.call-help-page) .hero .card {
  border: 1px solid #d2dee2;
  border-radius: 8px;
  background: rgba(255,255,255,.96);
  box-shadow: 0 24px 60px rgba(15,48,58,.1);
}
body:not(.call-help-page) .hero .card::before { background: #116f79; }
.section-head .eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: #116f79;
}
.section-head h2 { color: #10283b; }
.cta-band {
  background: #0c2740;
  color: #fff;
}
.cta-band h2 { color: #fff; }
.callout-dnc {
  padding-top: 34px;
  padding-bottom: 34px;
}
.callout-dnc > a {
  display: grid;
  grid-template-columns: auto 1fr auto;
  gap: 20px;
  align-items: center;
  padding: 24px 26px;
  border-radius: 8px;
  background: #123553;
  color: #fff;
  text-decoration: none;
}
.dnc-icon {
  display: grid;
  width: 50px;
  height: 50px;
  place-items: center;
  border-radius: 50%;
  background: #116f79;
  font-size: 1.7rem;
}
.callout-dnc strong, .callout-dnc span span { display: block; }
.callout-dnc span span { margin-top: 3px; color: #c8d6df; font-size: .83rem; }
.callout-dnc b { white-space: nowrap; }
@media (max-width: 860px) {
  body:not(.call-help-page) .hero-grid { padding: 58px 0; }
  body:not(.call-help-page) .hero > .wrap[style] {
    padding-top: 58px !important;
    padding-bottom: 58px !important;
  }
  body:not(.call-help-page) .hero::before { right: -240px; opacity: .64; }
  body:not(.call-help-page) .hero::after { display: none; }
  body:not(.call-help-page) .hero h1 {
    font-size: clamp(2.4rem, 10vw, 4rem);
    line-height: .98;
  }
}
@media (max-width: 620px) {
  .callout-dnc > a { grid-template-columns: auto 1fr; }
  .callout-dnc b { grid-column: 2; }
}