@font-face {
  font-family: 'DM Sans';
  font-style: normal;
  font-weight: 400 700;
  font-display: swap;
  src: url(assets/fonts/dm-sans-latin.woff2) format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: 'Manrope';
  font-style: normal;
  font-weight: 500 800;
  font-display: swap;
  src: url(assets/fonts/manrope-latin.woff2) format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
:root{--navy:#002641;--blue:#0074ad;--muted:#506674;--line:#d9e5eb;--light:#f0f7fa;--cta:#007b85;font-family:'DM Sans',Arial,sans-serif;color:var(--navy);background:#fff;font-synthesis:none}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:115px}body{margin:0}h1,h2,h3,p{margin:0}a{color:inherit;text-decoration:none}img{max-width:100%;display:block}button,summary,a{touch-action:manipulation}button{font:inherit;cursor:pointer}h1,h2,h3{font-family:Manrope,Arial,sans-serif}h1{font-size:clamp(3.4rem,5.8vw,5.5rem);line-height:1.07;letter-spacing:-.05em;font-weight:800}h2{font-size:clamp(2.3rem,3.9vw,3.5rem);line-height:1.15;letter-spacing:-.045em}h3{font-size:2.5rem;line-height:1.2;letter-spacing:-.04em}p{font-size:1.125rem;line-height:1.6;color:var(--muted)}.container{width:calc(100% - 112px);max-width:1240px;margin:auto}.button{display:inline-flex;align-items:center;justify-content:center;min-height:62px;padding:18px 29px;border-radius:10px;border:1px solid transparent;background:var(--cta);color:#fff;font-size:1.125rem;font-weight:700;line-height:1.3;text-align:center;transition:background .15s,transform .15s;box-shadow:0 5px 12px #003c4b13}.button:hover{background:#00636c;transform:translateY(-1px)}.button.small{min-height:45px;font-size:.9375rem;padding:12px 18px;box-shadow:none}.button.secondary{background:#fff;color:var(--navy);border-color:#bdcdd7;box-shadow:none}.button.secondary:hover{background:var(--light)}.button.white{background:#fff;color:var(--navy)}.button.white:hover{background:#dbf4f6}a:focus-visible,button:focus-visible,summary:focus-visible{outline:3px solid #e49e1b;outline-offset:5px}.site-header{position:fixed;top:16px;left:0;right:0;z-index:40;pointer-events:none}.header-inner{pointer-events:auto;max-width:1270px;width:calc(100% - 64px);margin:auto;min-height:74px;display:flex;justify-content:space-between;align-items:center;gap:30px;padding:12px 18px 12px 25px;background:#ffffffb8;backdrop-filter:blur(18px);-webkit-backdrop-filter:blur(18px);border:1px solid #ffffffb0;border-radius:16px;box-shadow:0 5px 22px #0026410b}.wordmark{font-family:Manrope,sans-serif;font-weight:800;font-size:1.28rem;letter-spacing:-.05em;white-space:nowrap}.wordmark span{font-weight:500;color:#476876}.desktop-nav{display:flex;gap:28px;align-items:center;font-size:1rem}.desktop-nav>a:not(.button):hover{text-decoration:underline;text-underline-offset:5px}.menu-toggle{display:none;background:transparent;color:var(--navy);border:1px solid #bdcdd7;border-radius:8px;padding:9px 12px}.hero{position:relative;isolation:isolate;overflow:hidden;background:#eef7fb;min-height:770px;padding:147px 0 65px}.hero-photo{position:absolute;z-index:-3;top:0;right:0;width:72%;height:100%;object-fit:cover;object-position:center}.hero:after{content:'';position:absolute;inset:0;z-index:-2;background:linear-gradient(90deg,#edf6fb 0%,#edf6fb 33%,#edf6fbe8 44%,#edf6fb70 62%,#edf6fb00 78%)}.hero-content{max-width:720px}.insurer-logo{width:205px;height:auto;margin-bottom:27px}.hero h1 span{color:var(--blue)}.hero-intro{font-size:1.25rem;line-height:1.55;margin-top:21px;max-width:545px;color:#38566a}.keyfacts{list-style:none;padding:0;display:grid;gap:13px;margin:27px 0 30px;font-size:1.28rem;font-weight:600}.keyfacts li{display:flex;gap:12px;align-items:center;line-height:1.45}.tick{display:inline-flex;align-items:center;justify-content:center;border-radius:50%;background:var(--cta);color:#fff;width:25px;height:25px;font-size:1rem;flex:0 0 25px}.hero .button{min-height:64px;font-size:1.25rem;padding:19px 31px}.cta-note{font-size:.875rem;margin-top:12px;color:#4c6676}.seal{position:absolute;width:145px;right:max(7.5vw,calc((100vw - 1180px)/2));bottom:65px;margin:0;text-align:center}.seal img{width:145px;height:auto;filter:drop-shadow(0 8px 20px #00192b1a)}.seal figcaption{margin-top:9px;font-size:.8125rem;line-height:1.5;color:#002641;background:#ffffffdf;border-radius:5px;padding:4px 8px}.quickbar{padding:25px 0;border-bottom:1px solid var(--line)}.quickbar .container{display:flex;justify-content:space-between;gap:25px;font-size:1rem}.quickbar b{margin-right:8px;color:var(--cta)}.section{padding:88px 0}.section-head{max-width:760px;margin-bottom:37px}.eyebrow{text-transform:uppercase;letter-spacing:.13em;font-size:.8125rem;color:var(--blue);font-weight:700;margin-bottom:17px;display:block}.section-head p{margin-top:19px}.tariffs{display:grid;grid-template-columns:1fr 1fr;gap:25px}.tariff{padding:36px 38px;border:1px solid #d0e0e8;border-radius:18px;background:white}.tariff.annual{background:var(--light);border-color:#bbdce8}.tariff-tag{font-size:.875rem;font-weight:600;color:var(--blue);margin-bottom:18px;display:block}.tariff h3{margin-bottom:13px}.tariff>p{max-width:430px;min-height:58px}.tariff ul{list-style:none;display:grid;gap:13px;margin:27px 0 30px;padding:0;font-size:1.125rem;line-height:1.45}.tariff li{display:flex;gap:10px}.tariff li:before{content:'✓';color:var(--cta);font-weight:700}.tariff .button{width:100%}.tariff-note{font-size:.875rem!important;min-height:0!important;margin-top:17px}.source-note{font-size:.875rem;line-height:1.6;margin-top:23px;max-width:1010px}.source-note a{text-decoration:underline;text-underline-offset:3px}.soft-section{background:var(--light)}.split-layout{display:grid;grid-template-columns:.82fr 1.18fr;gap:85px}.section-intro p{margin-top:21px}.section-intro .button{margin-top:30px}.accordion{border-top:1px solid #c6dce6}.accordion details{border-bottom:1px solid #c6dce6}.accordion summary{cursor:pointer;list-style:none;position:relative;padding:25px 35px 25px 0;font-size:1.25rem;font-weight:600;line-height:1.45}.accordion summary::-webkit-details-marker{display:none}.accordion summary:after{content:'+';position:absolute;right:3px;top:20px;font-size:1.7rem;font-weight:400}.accordion details[open] summary:after{content:'−'}.accordion details p{padding:0 24px 25px 0;font-size:1.0625rem;line-height:1.7}.accordion p a{display:block;margin-top:14px;color:var(--blue);text-decoration:underline;text-underline-offset:4px}.faq summary{font-size:1.125rem}.end-cta{padding:63px 0;background:var(--navy);color:white}.end-cta .container{display:flex;justify-content:space-between;align-items:center;gap:35px}.end-cta h2{font-size:2.8rem;max-width:720px}.end-cta p{color:#c7dfe9;margin-top:18px}.end-cta .button{flex-shrink:0}.site-footer{padding:39px 0 30px}.footer-top{display:flex;justify-content:space-between;align-items:center;gap:25px}.footer-links{display:flex;gap:23px;font-size:.875rem}.footer-links a{text-decoration:underline;text-underline-offset:4px}.footer-bottom{border-top:1px solid var(--line);padding-top:21px;margin-top:28px;display:flex;justify-content:space-between;gap:30px;font-size:.8125rem;color:var(--muted);line-height:1.6}.footer-bottom a{text-decoration:underline}.mobile-cta{display:none}.article{padding-top:150px;max-width:850px}.article h1{font-size:3rem;margin-bottom:26px}.article h2{font-size:1.7rem;margin-top:34px;margin-bottom:15px}.article p{margin-bottom:15px}.article a{text-decoration:underline;text-underline-offset:4px}.skip-link{position:fixed;left:20px;top:-100px;background:white;z-index:80;padding:15px}.skip-link:focus{top:16px}
@media(min-width:1500px){.hero{min-height:840px;padding-top:160px}.seal{bottom:85px;width:165px}.seal img{width:165px}}
@media(max-width:1050px){.container{width:calc(100% - 64px)}.desktop-nav{gap:20px}.desktop-nav>a:first-child{display:none}.hero{padding-top:140px;min-height:730px}.hero h1{font-size:4.05rem}.hero-intro{font-size:1.15rem;max-width:500px}.hero-photo{width:75%}.hero:after{background:linear-gradient(90deg,#edf6fb 0%,#edf6fb 30%,#edf6fbe6 49%,#edf6fb35 79%)}.seal{right:32px;width:125px;bottom:60px}.seal img{width:125px}.quickbar .container{font-size:.9rem;gap:18px}.split-layout{gap:45px}.end-cta h2{font-size:2.3rem}.tariff{padding:30px}}
@media(max-width:760px){html{scroll-padding-top:105px}.container{width:calc(100% - 40px)}.site-header{top:10px}.header-inner{width:calc(100% - 24px);min-height:63px;border-radius:13px;padding:12px 13px 12px 17px;gap:12px}.wordmark{font-size:1.07rem}.menu-toggle{display:block;font-size:.875rem}.desktop-nav{display:none}.desktop-nav.is-open{display:flex;position:absolute;left:12px;right:12px;top:70px;flex-direction:column;align-items:stretch;padding:21px;gap:23px;background:#fffffffa;backdrop-filter:blur(15px);border:1px solid var(--line);border-radius:13px;box-shadow:0 6px 20px #00264110}.desktop-nav.is-open>a:first-child{display:block}.hero{padding:112px 0 34px;min-height:auto}.hero-content{max-width:none}.hero-photo{width:100%;height:420px;top:auto;bottom:0;opacity:.8}.hero:after{background:linear-gradient(180deg,#edf6fb 0%,#edf6fb 59%,#edf6fbe0 73%,#edf6fb00 100%)}.insurer-logo{width:183px;margin-bottom:24px}.hero h1{font-size:clamp(2.75rem,10.5vw,4.05rem);line-height:1.09;letter-spacing:-.05em}.hero-intro{font-size:1.125rem;line-height:1.55;max-width:470px;margin-top:19px}.keyfacts{font-size:1.125rem;margin:25px 0 26px;gap:12px}.tick{height:23px;width:23px;flex-basis:23px;font-size:.9rem}.hero .button{font-size:1.125rem;min-height:61px;width:100%;padding:17px 18px;max-width:460px}.cta-note{font-size:.8125rem;margin-top:11px;max-width:460px;text-align:center}.seal{position:relative;right:auto;bottom:auto;margin:34px 20px 0 auto;width:111px}.seal img{width:111px}.seal figcaption{font-size:.75rem;margin-top:7px}.quickbar{padding:23px 0}.quickbar .container{flex-direction:column;font-size:.9375rem;gap:14px}.section{padding:58px 0}h2{font-size:2.25rem;line-height:1.16}.section-head{margin-bottom:27px}.section-head p{font-size:1.0625rem;margin-top:17px}.eyebrow{font-size:.75rem;margin-bottom:15px}.tariffs{grid-template-columns:1fr;gap:19px}.tariff{padding:27px 25px;border-radius:14px}.tariff h3{font-size:2.3rem}.tariff>p{min-height:0;font-size:1.0625rem}.tariff ul{font-size:1.0625rem;gap:12px;margin:23px 0 26px}.tariff .button{font-size:1.0625rem;min-height:56px;padding:17px 15px}.tariff-note{font-size:.8125rem!important}.split-layout{grid-template-columns:1fr;gap:29px}.section-intro p{font-size:1.0625rem;margin-top:18px}.section-intro .button{display:none}.accordion summary{font-size:1.125rem;padding:23px 30px 23px 0}.accordion details p{font-size:1rem}.faq summary{font-size:1.0625rem}.source-note{font-size:.8125rem}.end-cta{padding:47px 0}.end-cta .container{display:block}.end-cta h2{font-size:2.25rem}.end-cta p{font-size:1.0625rem}.end-cta .button{width:100%;margin-top:28px;min-height:59px}.footer-top{flex-wrap:wrap;gap:24px}.footer-links{flex-wrap:wrap;gap:15px 20px}.footer-bottom{display:block;font-size:.75rem}.footer-bottom>span{display:block;margin-bottom:10px}.site-footer{padding:31px 0 96px}.mobile-cta{display:flex;position:fixed;bottom:0;left:0;right:0;z-index:35;padding:10px 15px calc(10px + env(safe-area-inset-bottom));background:#ffffffef;backdrop-filter:blur(15px);border-top:1px solid var(--line);transform:translateY(110%);transition:transform .2s}.mobile-cta.visible{transform:translateY(0)}.mobile-cta .button{width:100%;min-height:50px;font-size:1rem;padding:13px 15px}.article{padding-top:112px}.article h1{font-size:2.2rem}.article h2{font-size:1.45rem}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
.footer-links{flex-wrap:wrap;row-gap:14px}.footer-top{align-items:flex-start}