/* ==========================================================================
   AnnuaLife.com - Avada theme match (green / yellow / black)
   CORRECTIVE reskin 2026-07-05: tokens extracted verbatim from the client's live
   Avada child theme (fusion-styles), verified by pixel-sampling his staging home
   + FIA article. Not a reinterpretation. His system:
     canvas #fff, ink #1c1c1c, primary green #18b26f, yellow #fbe12e,
     deep forest #062d1c (full-bleed sections), soft lavender #f8edfd (TOC card),
     Bricolage Grotesque headings + body, generously rounded cards, pill CTAs.
   Class names are kept from the prior build so every page inherits the new skin;
   the variable NAMES are legacy (--clay etc.) but their VALUES are the Avada palette.
   CAA navy+gold stays contained to the CAA seal band + CAA page only.
   Source of truth. Never hand-edit design/. Rebuild: node build/build.mjs
   ========================================================================== */

/* ---------- 1. Tokens ---------- */
:root {
  /* palette (Avada awb-color1..8 + sampled section colors) */
  --paper:      #FFFFFF;  /* canvas: pure white in Avada */
  --white:      #FFFFFF;
  --card:       #FFFFFF;
  --sand:       #F4F4F4;  /* awb-color2: alt bands, chips, table alt */
  --mist:       #F4F4F4;  /* alias */
  --sand-soft:  #EAF7F0;  /* soft green tint (positive data) */
  --ink:        #1C1C1C;  /* awb-color8: near-black text */
  --slate:      #5C6166;  /* secondary text */
  /* GREEN = the Avada primary. legacy var name --clay now carries green. */
  --clay:       #18B26F;  /* awb-color4: primary green, CTAs, links, icons */
  --clay-2:     #14A063;  /* darker green (gradient/hover partner) */
  --clay-deep:  #0E7D4E;  /* press / dense hover */
  --clay-soft:  #E7F6EF;  /* green icon tiles, row hover */
  --green:      #18B26F;  /* explicit alias */
  --green-lite: #65BC7B;  /* Avada light-green tint (accents) */
  --hairline:   #E4E6E4;  /* awb-color3-ish border */
  --line:       #E4E6E4;
  --line-2:     #D6D9D6;
  /* YELLOW = Avada secondary (awb-color5): Sign Up pill, CTA chips, tags, table head, pullquote */
  --yellow:     #FBE12E;
  --yellow-ink: #1C1C1C;  /* dark ink reads on yellow */
  --yellow-deep:#E9CE12;  /* yellow hover */
  --yellow-soft:#FEF6C2;  /* pale yellow wash */
  /* FOREST = deep-green full-bleed sections (sampled #062d1c) */
  --forest:     #062D1C;
  --forest-2:   #0A4029;  /* raised cards inside forest */
  --forest-ink: #C9E3D4;  /* body text on forest */
  /* LAVENDER = the FIA TOC CTA card (sampled #f8edfd) */
  --lav:        #F8EDFD;
  --lav-line:   #ECD7F6;
  --lav-ink:    #6A3D86;
  /* CAA seal palette - ONLY inside the CAA band + CAA page */
  --caa-navy:   #12233F;
  --caa-gold:   #C7A24A;
  /* alpha helpers (ink #1C1C1C) */
  --ink-06: rgba(28,28,28,.06);
  --ink-08: rgba(28,28,28,.08);
  --ink-10: rgba(28,28,28,.10);
  --ink-12: rgba(28,28,28,.12);

  /* type - Avada uses Bricolage Grotesque for headings AND body */
  --f-display: "Bricolage Grotesque", -apple-system, BlinkMacSystemFont, "Segoe UI", Arial, sans-serif;
  --f-body: "Bricolage Grotesque", -apple-system, BlinkMacSystemFont, "Segoe UI", Arial, sans-serif;
  --f-serif: "Bricolage Grotesque", Georgia, serif; /* legacy; no serif flourish in Avada */
  /* Avada scale: h1 56 / h2 42 / h3 36 / h4 28 (px), weight 500-700 */
  --fs-hero: clamp(2.6rem, 1.1rem + 5.4vw, 3.6rem);
  --fs-h1:   clamp(2.1rem, 1.2rem + 3.1vw, 3.0rem);
  --fs-h2:   clamp(1.85rem, 1.2rem + 2.0vw, 2.625rem);
  --fs-h3:   clamp(1.2rem, 1rem + 0.7vw, 1.45rem);
  --fs-body: clamp(1rem, 0.96rem + 0.15vw, 1.06rem);
  --fs-lead: clamp(1.06rem, 0.98rem + 0.35vw, 1.22rem);
  --fs-small: 0.875rem;
  --fs-kicker: 0.75rem;

  /* spacing */
  --s1:4px; --s2:8px; --s3:12px; --s4:16px; --s5:24px; --s6:32px;
  --s7:48px; --s8:64px; --s9:96px; --s10:128px;

  /* radius - Avada: 8px buttons, generously rounded cards */
  --r1:10px; --r2:14px; --r3:20px; --r-pill:999px;
  --r-sm:10px; --r-md:16px; --r-lg:22px;

  /* shadows (soft neutral) */
  --sh1: 0 1px 2px rgba(20,22,20,.05), 0 6px 16px rgba(20,22,20,.06);
  --sh2: 0 2px 6px rgba(20,22,20,.06), 0 18px 40px rgba(20,22,20,.10);
  --sh-glass: 0 4px 12px rgba(20,22,20,.08), 0 24px 56px rgba(20,22,20,.16);

  /* motion */
  --t-fast: 150ms; --t-base: 220ms; --t-slow: 550ms;
  --ease: cubic-bezier(.22,.61,.36,1);

  --wrap: 1220px;
}

/* ---------- 2. Reset / base ---------- */
*,*::before,*::after { box-sizing: border-box; }
* { margin: 0; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; overflow-x: clip; }
body {
  font-family: var(--f-body);
  font-size: var(--fs-body);
  line-height: 1.68;
  color: var(--ink);
  background: var(--paper);
  overflow-x: clip;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  text-rendering: optimizeLegibility;
}
img,svg,video { display: block; max-width: 100%; }
svg { flex-shrink: 0; }
svg:not([class]) { width: 1.15em; height: 1.15em; }
a { color: var(--clay); text-decoration: none; }
a:hover { color: var(--clay-deep); }
strong { font-weight: 700; }
h1,h2,h3,h4 { font-family: var(--f-display); font-weight: 600; line-height: 1.1; letter-spacing: -0.01em; text-wrap: balance; color: var(--ink); }
p { text-wrap: pretty; }
:focus-visible { outline: 2px solid var(--clay); outline-offset: 2px; border-radius: 4px; }
::selection { background: var(--yellow); color: var(--ink); }

/* ---------- 3. Layout primitives ---------- */
.wrap { width: 100%; max-width: var(--wrap); margin-inline: auto; padding-inline: var(--s5); }
.wrap-narrow { max-width: 820px; }
.section { padding-block: clamp(60px, 4vw + 36px, 108px); }
.section--tight { padding-block: clamp(44px, 3vw + 28px, 72px); }
.section--sand { background: var(--sand); }
.section--paper { background: var(--paper); }
.measure { max-width: 68ch; }
.center { text-align: center; }
.eyebrow, .kicker {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: var(--fs-kicker); font-weight: 700; letter-spacing: .14em;
  text-transform: uppercase; color: var(--clay); font-family: var(--f-body);
  margin-bottom: var(--s3);
}
.eyebrow::before, .kicker::before { content: ""; width: 22px; height: 2px; background: currentColor; display: inline-block; flex-shrink: 0; border-radius: 2px; }
.center .kicker::before, .center .eyebrow::before, .kicker.center::before { display: none; }
.lead { font-size: var(--fs-lead); line-height: 1.6; color: var(--slate); }
.tnum { font-variant-numeric: tabular-nums; }

/* ==========================================================================
   4. HEADER  (dark utility bar + Klaviyo-style sticky mega, collapsing logo)
   Layout: .topbar (dark, normal flow, scrolls away) + .masthead (white,
   position:sticky top:0). Past ~topbar-height the masthead gains .is-scrolled:
   the full logo lockup crossfades to the mark only, an elevation shadow turns
   on, and the row compacts. html/body use overflow-x:clip (NOT hidden) which
   preserves sticky. Mega panels are full-bleed white, absolutely positioned
   against .masthead (the positioned ancestor), so they travel with the sticky
   bar at any scroll depth. No backdrop-filter anywhere (it traps position:fixed
   children; see memory).
   ========================================================================== */

/* --- 4a. Dark utility bar --- */
.topbar { background: var(--ink); color: #E7E7E4; font-size: .82rem; }
.topbar .wrap { display: flex; justify-content: space-between; align-items: center; gap: var(--s4); min-height: 42px; }
.topbar__nav { display: flex; align-items: stretch; }
.topbar__link {
  position: relative; display: inline-flex; align-items: center; gap: 6px;
  color: #C9CAC6; font-weight: 500; padding: 11px 13px; white-space: nowrap;
  transition: color var(--t-fast) var(--ease);
}
.topbar__nav .topbar__link:first-child { padding-left: 0; }
.topbar__link:hover { color: #fff; }
.topbar__link svg { width: 14px; height: 14px; }
.topbar__link.is-active { color: #fff; }
.topbar__link.is-active::after {
  content: ""; position: absolute; left: 13px; right: 13px; bottom: 0; height: 2px;
  background: var(--green); border-radius: 2px;
}
.topbar__nav .topbar__link:first-child.is-active::after { left: 0; }
.topbar__end { display: flex; align-items: center; }
.topbar__verify { padding-right: 0; }

/* --- 4b. Masthead (white main bar, sticky, collapsing logo) --- */
.masthead {
  position: sticky; top: 0; z-index: 100;
  background: var(--white); border-bottom: 1px solid var(--line);
  box-shadow: 0 0 0 rgba(20,22,20,0);
  transition: box-shadow .3s var(--ease);
}
.masthead.is-scrolled { box-shadow: 0 6px 24px rgba(20,22,20,.07); }
.masthead__row { display: flex; align-items: center; gap: var(--s5); min-height: 78px; transition: min-height .3s var(--ease); }
.masthead.is-scrolled .masthead__row { min-height: 60px; }

/* Logo crossfade: full lockup <-> mark. Both imgs sit in the .logo flex row;
   max-width (not width:auto) animates, opacity crossfades, .logo clips. */
.logo { display: inline-flex; align-items: center; flex-shrink: 0; overflow: hidden; }
.logo__img { height: 38px; width: auto; display: block; transition: max-width .3s var(--ease), opacity .3s var(--ease); }
.logo__lockup { max-width: 200px; opacity: 1; }
.logo__mark { max-width: 0; opacity: 0; }
.masthead.is-scrolled .logo__lockup { max-width: 0; opacity: 0; }
.masthead.is-scrolled .logo__mark { max-width: 60px; opacity: 1; }

.mainnav { margin-left: var(--s3); }
.mainnav__list { display: flex; align-items: center; gap: 2px; list-style: none; }
.mainnav__item { display: flex; }
.mainnav__link {
  display: inline-flex; align-items: center; gap: 5px; padding: 10px 13px;
  font-family: var(--f-body); font-size: .98rem; font-weight: 600; color: var(--ink);
  background: none; border: 0; border-radius: var(--r1); cursor: pointer; white-space: nowrap;
  transition: color var(--t-fast) var(--ease), background var(--t-fast) var(--ease);
}
.mainnav__link:hover, .mainnav__item.is-active > .mainnav__link { color: var(--clay); }
.mainnav__item.is-active > .mainnav__link { background: var(--clay-soft); }
.mega__chev { display: inline-flex; }
.mega__chev svg { width: 15px; height: 15px; transition: transform var(--t-fast) var(--ease); }
.has-mega.is-open > .mainnav__link .mega__chev svg { transform: rotate(180deg); }

.masthead__cta { display: flex; align-items: center; gap: 10px; flex-shrink: 0; margin-left: auto; }
.masthead .mainnav { margin-right: 0; }

/* --- 4c. Mega panel (full-bleed) --- */
.mega__panel {
  position: absolute; left: 0; right: 0; top: 100%; z-index: 60;
  background: var(--white); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line);
  box-shadow: var(--sh2);
  opacity: 0; visibility: hidden; transform: translateY(8px);
  transition: opacity .2s var(--ease), transform .2s var(--ease), visibility .2s;
}
.has-mega.is-open > .mega__panel { opacity: 1; visibility: visible; transform: none; }

/* Hover bridge: when a panel is open, an invisible strip drops from the button
   down through the masthead's dead pixels to the panel top, so a slow cursor
   never leaves the .has-mega subtree on its way into the panel. Paired with the
   JS 200ms close-intent timer (annualife.js block 1a); belt-and-suspenders so
   slow diagonal paths also survive. Width = button only, so it never blocks the
   CTA buttons or logo in the same row. */
.mega__btn { position: relative; }
.has-mega.is-open > .mega__btn::after {
  content: ""; position: absolute; left: 0; right: 0; top: 100%; height: 30px;
}

/* Even column grid aligned to the page container (.wrap), Klaviyo-style. */
.mega__inner {
  display: grid; grid-auto-flow: column; grid-auto-columns: minmax(0, 1fr);
  gap: 48px; padding-block: 44px 46px; align-items: start;
}
.mega__col { min-width: 0; }
.mega__col--lead { padding-right: 48px; border-right: 1px solid var(--line); }
.mega__eyebrow {
  display: block; font-size: .72rem; font-weight: 700; letter-spacing: .13em;
  text-transform: uppercase; color: var(--clay); margin-bottom: var(--s4);
  line-height: 1; /* eyebrows share one baseline across every column */
}
.mega__lead {
  display: inline-block; font-family: var(--f-display);
  font-size: 1.24rem; font-weight: 700; color: var(--ink); line-height: 1.2; letter-spacing: -.01em;
}
/* arrow flows inline after the last word (Klaviyo chevron pattern), not floated */
.mega__lead svg { display: inline-block; vertical-align: -2px; width: 17px; height: 17px; margin-left: 6px; color: var(--clay); transition: transform var(--t-fast) var(--ease); }
.mega__lead:hover { color: var(--clay); }
.mega__lead:hover svg { transform: translateX(3px); }
.mega__desc { color: var(--slate); font-size: .92rem; line-height: 1.6; margin-top: var(--s3); }
.mega__leadlinks { list-style: none; padding: 0; margin: var(--s5) 0 0; display: flex; flex-direction: column; gap: 12px; }
.mega__leadlinks a { display: inline-flex; align-items: center; gap: 7px; font-weight: 600; font-size: .95rem; color: var(--ink); }
.mega__leadlinks a svg { width: 15px; height: 15px; color: var(--clay); transition: transform var(--t-fast) var(--ease); }
.mega__leadlinks a:hover { color: var(--clay); }
.mega__leadlinks a:hover svg { transform: translateX(3px); }
/* Plain text-link columns (icons removed 2026-07-06): clean rows, even rhythm,
   generous hit area. Negative inline margin keeps text flush to the column while
   the hover pill still bleeds out to the sides. */
.mega__links { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: 2px; }
.mega__links a {
  display: block; padding: 9px 10px; margin: 0 -10px;
  border-radius: var(--r1); color: var(--ink); font-weight: 500; font-size: .95rem; line-height: 1.35;
  transition: background var(--t-fast) var(--ease), color var(--t-fast) var(--ease);
}
.mega__links a:hover { background: var(--clay-soft); color: var(--clay); }

/* --- 4d. Burger (mobile/tablet) + mobile menu (hidden on desktop) --- */
.burger { display: none; }
.mobile { display: none; }

/* ---------- 5. Buttons (Avada: flat fills, pill CTAs) ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 9px;
  font-family: var(--f-display); font-weight: 600; font-size: .98rem; line-height: 1;
  padding: 14px 26px; border-radius: var(--r-pill); border: 2px solid transparent;
  cursor: pointer; white-space: nowrap; text-align: center;
  transition: background var(--t-base) var(--ease), color var(--t-base) var(--ease), transform var(--t-fast) var(--ease), box-shadow var(--t-base) var(--ease), border-color var(--t-base) var(--ease);
}
.btn svg { width: 19px; height: 19px; }
.btn--primary { background: var(--clay); color: #fff; box-shadow: 0 3px 12px rgba(24,178,111,.24); }
.btn--primary:hover { background: var(--clay-deep); color: #fff; transform: translateY(-2px); box-shadow: 0 8px 22px rgba(24,178,111,.30); }
.btn--yellow { background: var(--yellow); color: var(--yellow-ink); box-shadow: 0 3px 12px rgba(251,225,46,.32); }
.btn--yellow:hover { background: var(--yellow-deep); color: var(--yellow-ink); transform: translateY(-2px); box-shadow: 0 8px 22px rgba(251,225,46,.38); }
.btn--dark { background: var(--ink); color: #fff; border-color: var(--ink); }
.btn--dark:hover { background: #000; color: #fff; transform: translateY(-2px); }
.btn--outline { background: var(--white); color: var(--ink); border-color: var(--line-2); }
.btn--outline:hover { border-color: var(--ink); color: var(--ink); transform: translateY(-2px); }
.btn--light-out { background: transparent; color: #fff; border-color: rgba(255,255,255,.5); }
.btn--light-out:hover { background: rgba(255,255,255,.14); color: #fff; }
.btn--ghost { background: transparent; color: var(--ink); border-color: transparent; padding-inline: 6px; }
.btn--ghost:hover { color: var(--clay); }
.btn--sm { padding: 10px 18px; font-size: .85rem; }
.btn--pill { padding: 11px 22px; font-size: .92rem; box-shadow: none; }
.btn--pill.btn--sm { padding: 9px 17px; font-size: .85rem; }
.btn--dark.btn--pill:hover { box-shadow: none; }
.btn--block { width: 100%; }
.btn:active { transform: translateY(0) scale(.99); }

.link-arrow { display: inline-flex; align-items: center; gap: 7px; font-family: var(--f-display); font-weight: 600; font-size: .95rem; color: var(--clay); }
.link-arrow svg { width: 18px; height: 18px; transition: transform var(--t-fast) var(--ease); }
.link-arrow:hover svg { transform: translateX(4px); }

/* ---------- 6. Hero (Avada band: rounded photo + green color panel) ---------- */
.hero { position: relative; padding-block: clamp(28px, 3vw, 52px) clamp(48px, 4vw + 28px, 84px); }
.hero .wrap { position: relative; z-index: 1; }
.hero__grid { display: grid; grid-template-columns: .95fr 1.05fr; gap: 34px; align-items: stretch; }
/* green color panel holds the copy (his hero band) */
.hero__panel {
  background: var(--green); color: #fff; border-radius: var(--r-lg);
  padding: clamp(30px, 3.4vw, 56px); display: flex; flex-direction: column; justify-content: center;
  position: relative; overflow: hidden;
}
.hero__panel::after { content: ""; position: absolute; right: -70px; top: -70px; width: 240px; height: 240px; background: radial-gradient(circle, rgba(255,255,255,.14), transparent 70%); pointer-events: none; }
.hero__panel .kicker { color: rgba(255,255,255,.9); }
.hero__panel .kicker::before { background: var(--yellow); }
.hero__title { font-size: var(--fs-hero); line-height: 1.08; letter-spacing: -0.02em; color: #fff; font-weight: 700; }
/* yellow highlight/underline on the emphasised word (Avada tell) */
.hero__title em { font-style: normal; color: #fff; position: relative; white-space: nowrap; }
.hero__title em::after { content: ""; position: absolute; left: 0; right: 0; bottom: .04em; height: .34em; background: var(--yellow); border-radius: 3px; z-index: -1; }
.hero__lead { margin-top: 18px; max-width: 42ch; color: rgba(255,255,255,.92); }
.hero__cta { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 26px; }
.hero__trust { margin-top: 20px; font-size: .9rem; color: rgba(255,255,255,.9); display: flex; align-items: center; gap: 9px; }
.hero__trust svg { width: 18px; height: 18px; color: var(--yellow); flex-shrink: 0; }
.hero__phone { margin-top: 22px; display: inline-flex; align-items: center; gap: 10px; color: #fff; font-weight: 600; }
.hero__phone svg { width: 20px; height: 20px; color: var(--yellow); }
.hero__phone b { font-family: var(--f-display); font-size: 1.2rem; font-variant-numeric: tabular-nums; }
.hero__badges { display: flex; gap: 22px; margin-top: 26px; padding-top: 22px; border-top: 1px solid rgba(255,255,255,.22); flex-wrap: wrap; }
.hero__badge b { font-family: var(--f-display); font-size: 1.35rem; font-weight: 700; letter-spacing: -.02em; display: block; color: #fff; }
.hero__badge span { font-size: .82rem; color: rgba(255,255,255,.82); }

.hero__stage { position: relative; }
.hero__photo { position: relative; border-radius: var(--r-lg); overflow: hidden; box-shadow: var(--sh2); height: 100%; min-height: 340px; }
.hero__photo img { width: 100%; height: 100%; object-fit: cover; }
.hero__photo::before { content: ""; position: absolute; inset: 0; z-index: 2; box-shadow: inset 0 0 0 1px rgba(28,28,28,.06); border-radius: var(--r-lg); pointer-events: none; }

.rate-glass {
  position: absolute; left: -22px; bottom: -26px; z-index: 3; width: 262px;
  background: #fff; border: 1px solid var(--line); border-radius: var(--r-md); padding: 18px 20px; box-shadow: var(--sh-glass);
  display: block; text-decoration: none; transition: transform var(--t-fast) var(--ease), box-shadow var(--t-base) var(--ease), border-color var(--t-base) var(--ease);
}
.rate-glass:hover { transform: translateY(-2px); border-color: var(--clay); box-shadow: 0 10px 30px rgba(24,178,111,.14); }
.rate-glass__label { font-size: .72rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--slate); }
.rate-glass__row { display: flex; align-items: baseline; gap: 6px; margin-top: 4px; }
.rate-glass__num { font-family: var(--f-display); font-size: 2.5rem; font-weight: 700; letter-spacing: -.03em; line-height: 1; font-variant-numeric: tabular-nums; color: var(--clay); }
.rate-glass__unit { font-weight: 700; color: var(--slate); font-size: 1rem; }
.rate-glass__meta { font-size: .78rem; color: var(--slate); margin-top: 8px; display: flex; align-items: center; gap: 6px; }
.rate-glass__dot { width: 7px; height: 7px; border-radius: 50%; background: var(--clay); box-shadow: 0 0 0 3px rgba(24,178,111,.18); flex-shrink: 0; }
.verify-chip { position: absolute; right: -12px; top: 22px; z-index: 3; display: inline-flex; align-items: center; gap: 8px; background: var(--yellow); border: 0; border-radius: var(--r-pill); padding: 9px 16px 9px 12px; box-shadow: var(--sh1); font-size: .84rem; font-weight: 700; color: var(--ink); }
.verify-chip svg { width: 17px; height: 17px; color: var(--ink); }

/* legacy hero illo card (kept for feature blocks) */
.illo-card {
  position: relative; background: var(--sand); border: 1px solid var(--line); border-radius: var(--r-lg);
  padding: 34px; box-shadow: var(--sh1); overflow: hidden;
}
.illo-card::before { content: ""; position: absolute; top: -80px; right: -80px; width: 240px; height: 240px; background: radial-gradient(circle, rgba(24,178,111,.10), transparent 70%); }
.illo-card svg.illo { width: 100%; height: auto; position: relative; }
.rate-chip { position: absolute; left: -18px; bottom: -20px; background: var(--ink); color: #fff; border-radius: var(--r2); padding: 14px 18px; box-shadow: var(--sh2); max-width: 320px; }
.rate-chip__row { display: flex; align-items: baseline; gap: 8px; }
.rate-chip__num { font-family: var(--f-display); font-size: 2rem; font-weight: 700; color: var(--yellow); font-variant-numeric: tabular-nums; line-height: 1; }
.rate-chip__unit { font-size: .8rem; color: #B9BFB9; font-weight: 500; }
.rate-chip__meta { font-size: .78rem; color: #B9BFB9; margin-top: 5px; }
.rate-chip__label { font-size: .72rem; letter-spacing: .1em; text-transform: uppercase; color: var(--yellow); font-weight: 700; }

/* ---------- 7. Pillar router (Avada icon cards) ---------- */
.pillars { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-top: 44px; }
.pillar {
  position: relative; overflow: hidden; display: flex; flex-direction: column; gap: var(--s3); padding: 28px;
  background: var(--white); border: 1px solid var(--line); border-radius: var(--r3); color: var(--ink);
  transition: transform var(--t-base) var(--ease), box-shadow var(--t-base) var(--ease), border-color var(--t-base) var(--ease);
}
.pillar:hover { transform: translateY(-4px); box-shadow: var(--sh2); border-color: transparent; }
.pillar__ico { width: 54px; height: 54px; border-radius: 14px; background: var(--clay-soft); color: var(--clay); display: grid; place-items: center; }
.pillar__ico svg { width: 26px; height: 26px; }
.pillar h3 { font-size: var(--fs-h3); }
.pillar p { font-size: .95rem; color: var(--slate); flex: 1; }
.pillar .link-arrow { font-size: .9rem; }

/* ---------- 8. Cards, grids, features ---------- */
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--s5); }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: var(--s5); }
.card { background: var(--white); border: 1px solid var(--line); border-radius: var(--r3); padding: var(--s6); }
.card--link { transition: transform var(--t-base) var(--ease), box-shadow var(--t-base) var(--ease), border-color var(--t-base) var(--ease); color: var(--ink); display: block; }
.card--link:hover { transform: translateY(-4px); box-shadow: var(--sh2); border-color: transparent; color: var(--ink); }
.card h3 { font-size: var(--fs-h3); margin-bottom: var(--s2); }
.card p { color: var(--slate); font-size: .96rem; }
.card__ico { width: 54px; height: 54px; border-radius: 14px; background: var(--clay-soft); color: var(--clay); display: grid; place-items: center; margin-bottom: var(--s4); }
.card__ico svg { width: 26px; height: 26px; }

/* black rounded dual-pathway cards (his "For Employers / For Job Seekers") */
.pathways { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-top: 44px; }
.pathway {
  position: relative; overflow: hidden; display: flex; flex-direction: column; gap: var(--s3);
  background: var(--ink); color: #fff; border-radius: var(--r-lg); padding: clamp(28px, 3vw, 44px);
  min-height: 200px; justify-content: flex-end;
  transition: transform var(--t-base) var(--ease), box-shadow var(--t-base) var(--ease);
}
.pathway::after { content: ""; position: absolute; right: -50px; top: -50px; width: 200px; height: 200px; background: radial-gradient(circle, rgba(24,178,111,.28), transparent 70%); pointer-events: none; }
.pathway:hover { transform: translateY(-4px); box-shadow: var(--sh2); }
.pathway__ico { width: 52px; height: 52px; border-radius: 14px; background: rgba(255,255,255,.1); color: var(--yellow); display: grid; place-items: center; margin-bottom: auto; }
.pathway__ico svg { width: 26px; height: 26px; }
.pathway h3 { color: #fff; font-size: 1.5rem; }
.pathway p { color: rgba(255,255,255,.78); font-size: .96rem; }
.pathway .link-arrow { color: var(--yellow); margin-top: 4px; }

.feature { display: grid; grid-template-columns: 1.05fr .95fr; gap: 56px; align-items: center; }
.feature--flip .feature__media { order: -1; }
.feature__media { position: relative; }
.feature__media img { border-radius: var(--r-lg); box-shadow: var(--sh2); width: 100%; }
.feature__cap { text-align: center; color: var(--slate); font-size: .9rem; margin-top: 16px; }

/* ---------- 9. Section headers ---------- */
.sec-head { max-width: 660px; margin-bottom: var(--s7); }
.sec-head.center { margin-inline: auto; }
.sec-head h2 { font-size: var(--fs-h2); margin-top: 4px; }
.sec-head p { margin-top: var(--s3); color: var(--slate); font-size: var(--fs-lead); line-height: 1.55; }

/* ---------- 9b. Deep-green full-bleed section + numbered timeline (Avada) ---------- */
.section--forest { background: var(--forest); color: var(--forest-ink); }
.section--forest h2, .section--forest h3 { color: #fff; }
.section--forest .kicker { color: var(--yellow); }
.section--forest .sec-head p { color: var(--forest-ink); }
.timeline { display: flex; flex-direction: column; counter-reset: tl; }
.timeline__row { display: grid; grid-template-columns: 62px 1fr; gap: var(--s5); align-items: start; padding-block: var(--s6); border-top: 1px solid rgba(255,255,255,.14); }
.timeline__row:first-child { border-top: 0; }
.timeline__num { counter-increment: tl; width: 54px; height: 54px; border-radius: 50%; border: 1.5px solid rgba(255,255,255,.28); display: grid; place-items: center; font-family: var(--f-display); font-weight: 700; font-size: 1.25rem; color: var(--yellow); }
.timeline__num::before { content: counter(tl, decimal-leading-zero); }
.timeline__body h3 { font-size: 1.35rem; margin-bottom: 6px; }
.timeline__body p { color: var(--forest-ink); font-size: .98rem; max-width: 60ch; }

/* ---------- 10. Breadcrumbs ---------- */
/* Full-width nav band under the header: plain " / " slash trail, no chevrons,
   no background fill, edge-to-edge hairline below (the .crumbs div sits in a
   full-width e-con-full container, so the border spans the viewport). */
.crumbs { font-size: var(--fs-small); color: var(--slate); padding-block: 13px; border-bottom: 1px solid var(--line); }
.crumbs ol { list-style: none; margin: 0; padding: 0; display: flex; flex-wrap: wrap; gap: 8px; align-items: center; }
.crumbs a { color: var(--slate); }
.crumbs a:hover { color: var(--clay); }
.crumbs svg { width: 14px; height: 14px; opacity: .6; }
.crumbs .sep { color: #C2C4C1; font-weight: 400; }
.crumbs [aria-current] { color: var(--ink); font-weight: 500; }

/* ---------- 11. Article / guide template (his FIA layout) ---------- */
/* FLIPPED (2026-07-29): content column LEFT (1fr), sticky rail RIGHT (260px).
   Markup order stays aside(toc)+prose; explicit grid placement flips them. */
.doc { display: grid; grid-template-columns: minmax(0,1fr) 260px; gap: 72px; align-items: start; }
.doc > .prose { grid-column: 1; grid-row: 1; align-self: start; }
/* align-self:stretch overrides the grid's align-items:start so the rail column
   fills the FULL article-row height. Without it the aside shrinks to its own
   content, giving the sticky TOC+CTA almost no travel (it releases immediately
   = "not sticky"). Full-height containing block lets it pin top:98px for the
   length of the article, then release near the footer. (2026-07-29 sticky fix) */
.doc > .toc { grid-column: 2; grid-row: 1; align-self: stretch; }
/* Rail (2026-07-29 rate-snapshot redesign): the aside is normal flow so its top
   rate widget scrolls away with the hero; the TOC + retirement CTA pin together
   as one sticky unit below. --rail-pad centres the rate widget on the [H1 + pills]
   group; --rail-gap lands the sticky TOC level with the body prose. Both are set
   at runtime (annualife.js alignRail) from the real left-column geometry. */
.toc { position: static; font-size: .9rem; display: flex; flex-direction: column; padding-top: var(--rail-pad, 0px); }
.toc__sticky { position: sticky; top: 98px; display: flex; flex-direction: column; gap: var(--s5); }
/* Divider between the rate snapshot and the sticky TOC: a full-rail hairline
   with EQUAL space above and below, so the rate box + TOC + CTA read as one
   stacked unit (no floating void). Only emitted when a rate box is present. */
.toc__gap { height: 0; margin: var(--s5) 0; border-top: 1px solid var(--line); }
/* Rate snapshot mini-widget. Styling ported from option5-aligned.html, retokenised
   to the production design system (var(--green) is the site green #18B26F). */
.toc__rate { border: 1px solid var(--line); border-radius: 10px; padding: 16px 18px 15px; }
.toc__rate-top { display: flex; align-items: center; gap: 8px; font-size: .72rem; font-weight: 600; letter-spacing: .04em; color: var(--slate); margin-bottom: 8px; }
.toc__rate-top svg { width: 15px; height: 15px; stroke: var(--green); fill: none; stroke-width: 2.2; stroke-linecap: round; stroke-linejoin: round; flex-shrink: 0; }
.toc__rate-num { font-family: var(--f-display); font-size: 2rem; font-weight: 800; letter-spacing: -.02em; color: var(--ink); line-height: 1; }
.toc__rate-num .per { font-size: .95rem; font-weight: 600; color: var(--slate); letter-spacing: 0; }
.toc__rate-sub { font-size: .7rem; line-height: 1.45; color: var(--slate); margin: 7px 0 8px; }
.toc__rate-disc { font-size: .64rem; line-height: 1.42; color: var(--slate); margin: 0 0 11px; }
.toc__rate-link { display: inline-flex; align-items: center; gap: 7px; font-size: .82rem; font-weight: 700; color: var(--green); }
.toc__rate-link svg { width: 14px; height: 14px; stroke: var(--green); fill: none; stroke-width: 2.2; stroke-linecap: round; stroke-linejoin: round; }
.toc__box { }
.toc__label { font-size: var(--fs-kicker); letter-spacing: .14em; text-transform: uppercase; color: var(--slate); font-weight: 700; margin-bottom: var(--s3); }
.toc ol { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: 2px; counter-reset: t; }
.toc ol a { display: block; padding: 8px 12px; border-left: 2px solid var(--line); color: var(--slate); border-radius: 0 var(--r1) var(--r1) 0; }
.toc ol a:hover, .toc ol a.is-active { color: var(--clay); border-left-color: var(--clay); background: var(--clay-soft); }
/* De-widgetized retirement CTA (2026-07-29): no box, no lavender. A short green
   top-rule, heading, body, and a compact left-aligned green pill. Restyled on the
   existing .toc-cta markup (compass icon hidden, block button made auto-width). */
.toc-cta { margin-top: var(--s7); text-align: left; }
.toc-cta::before { content: ""; display: block; width: 46px; height: 3px; background: var(--green); border-radius: 2px; margin-bottom: 20px; }
.toc-cta__ico { display: none; }
.toc-cta b { font-family: var(--f-display); font-size: 1.18rem; line-height: 1.25; letter-spacing: -.01em; color: var(--ink); display: block; }
.toc-cta p { font-size: .86rem; color: var(--slate); margin-top: 12px; line-height: 1.6; }
.toc-cta .btn { margin-top: var(--s5); width: auto; padding: 12px 22px; }

.prose { max-width: 74ch; }
/* In the doc (toc + prose) layout the prose fills its grid column so data blocks
   (spec/rate tables, the availability map, projection, comparison ledgers) span the
   full width; running text keeps a readable measure. Closes the right-side dead space. */
.doc .prose { max-width: none; min-width: 0; }
.doc .prose > p, .doc .prose > ul, .doc .prose > ol { max-width: 72ch; }
/* Flat callouts in the doc content: drop the drop-shadow on the boxed table and
   projection containers so they read as clean bordered blocks. */
.doc .prose .table-scroll, .doc .prose .rates-wrap, .doc .prose .proj { box-shadow: none; }
.prose > * + * { margin-top: var(--s5); }
.prose h2 { font-size: var(--fs-h2); margin-top: var(--s8); scroll-margin-top: 92px; }
.prose h2:first-child { margin-top: 0; }
.prose h3 { font-size: var(--fs-h3); margin-top: var(--s6); }
.prose p, .prose li { font-size: 1.07rem; line-height: 1.75; color: #2c2f2c; }
.prose ul, .prose ol { padding-left: var(--s5); display: flex; flex-direction: column; gap: var(--s2); }
.prose li::marker { color: var(--clay); }
.prose a { text-decoration: underline; text-decoration-color: rgba(24,178,111,.4); text-underline-offset: 3px; }
.prose a.btn { text-decoration: none; } /* buttons folded into prose (guide/FIA head pills, inline CTA) must not inherit the prose link underline */
.analogy-open {
  font-family: var(--f-display); font-size: clamp(1.25rem, 1.1rem + 1vw, 1.55rem);
  font-weight: 500; line-height: 1.45; color: var(--ink);
  padding-left: var(--s5); border-left: 3px solid var(--clay);
}
.analogy-open em { font-style: normal; color: var(--clay); }

/* State-availability map (product pages): a real geographic US map, filed states in
   brand green, the rest muted. Paths come from the JS US_STATE_PATHS (build.mjs) /
   the PHP mirror us-state-paths.json (class-product-detail.php). */
.avail-map { margin-top: var(--s4); }
.us-map { display: block; width: 100%; max-width: 560px; height: auto; margin-inline: auto; }
.us-state { fill: var(--line); stroke: #fff; stroke-width: 1.1; stroke-linejoin: round; transition: fill .15s ease; }
.us-state.is-on { fill: var(--green); }
.us-state:hover { stroke: var(--slate); stroke-width: 1.4; }
.avail-map__legend {
  display: flex; flex-wrap: wrap; justify-content: center; gap: var(--s4); margin-top: var(--s3);
  font-size: .85rem; color: var(--slate);
}
.avail-map__legend .lg { display: inline-flex; align-items: center; gap: 8px; }
.avail-map__legend .lg::before { content: ""; width: 14px; height: 14px; border-radius: 4px; }
.avail-map__legend .lg--on::before { background: var(--green); }
.avail-map__legend .lg--off::before { background: var(--line); }

/* header pill-button row (his "Request a quote / View rates") */
.doc-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: var(--s5); }

/* boxed pull quote - yellow left border (his FIA pullquote card) */
.pullquote {
  margin-block: var(--s6); padding: var(--s6); background: var(--sand); border-radius: var(--r-md);
  border-left: 5px solid var(--yellow);
}
.pullquote p { font-family: var(--f-display); font-weight: 500; font-size: 1.3rem; line-height: 1.4; color: var(--ink); }
.pullquote em { font-style: normal; color: var(--clay-deep); }
.pullquote cite { display: block; margin-top: var(--s3); font-family: var(--f-display); font-style: normal; font-size: .9rem; color: var(--slate); font-weight: 700; }
.pullquote cite span { display: block; font-weight: 400; color: var(--slate); }

/* big editorial pull quote on a green testimonial band */
.pullquote--lead {
  background: none; border: 0; padding: 0; max-width: 860px; margin-inline: auto; text-align: center;
}
.pullquote--lead p { font-family: var(--f-display); font-weight: 600; font-size: clamp(1.5rem, 1rem + 1.8vw, 2.15rem); line-height: 1.3; letter-spacing: -.01em; color: #fff; }
.pullquote--lead em { font-style: normal; color: var(--yellow); }
.pullquote--lead cite { margin-top: 26px; color: rgba(255,255,255,.86); }
.pullquote--lead cite span { color: rgba(255,255,255,.7); }

/* video card with green caption-play bar (his FIA video) */
.videocard { border-radius: var(--r-md); overflow: hidden; border: 1px solid var(--line); margin-block: var(--s6); box-shadow: var(--sh1); }
.videocard__frame { position: relative; aspect-ratio: 16/9; background: linear-gradient(135deg, #123, #061a12); display: grid; place-items: center; }
.videocard__frame img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.videocard__play { position: relative; z-index: 2; width: 66px; height: 66px; border-radius: 50%; background: rgba(255,255,255,.92); display: grid; place-items: center; box-shadow: var(--sh2); }
.videocard__play svg { width: 26px; height: 26px; color: var(--clay); margin-left: 3px; }
.videocard__bar { background: var(--clay); color: #fff; display: flex; align-items: center; gap: 12px; padding: 14px 18px; font-weight: 600; font-size: .95rem; }
.videocard__bar .dot { width: 34px; height: 34px; border-radius: 50%; background: rgba(255,255,255,.18); display: grid; place-items: center; flex-shrink: 0; }
.videocard__bar .dot svg { width: 18px; height: 18px; }

/* inline step-quiz card (grey card, green button - his FIA "How soon are you retiring") */
.stepquiz { background: var(--sand); border: 1px solid var(--line); border-radius: var(--r-md); padding: clamp(24px, 3vw, 40px); margin-block: var(--s6); text-align: center; }
.stepquiz h3 { font-size: 1.35rem; margin-bottom: var(--s5); }
.stepquiz__opts { display: flex; flex-direction: column; gap: 10px; max-width: 420px; margin: 0 auto var(--s5); text-align: left; }
.stepquiz__opts label { display: flex; align-items: center; gap: 12px; padding: 13px 16px; background: #fff; border: 1.5px solid var(--line-2); border-radius: var(--r-sm); cursor: pointer; font-size: .98rem; transition: border-color var(--t-fast), background var(--t-fast); }
.stepquiz__opts label:has(input:checked) { border-color: var(--clay); background: var(--clay-soft); font-weight: 600; }
.stepquiz__opts input { accent-color: var(--clay); width: 18px; height: 18px; }

/* pros / cons - single table with a yellow header band (his FIA) */
.proscons { margin-block: var(--s6); border: 1px solid var(--line); border-radius: var(--r-md); overflow: hidden; }
.proscons table { width: 100%; border-collapse: collapse; }
.proscons thead th { background: var(--yellow); color: var(--yellow-ink); font-family: var(--f-display); font-weight: 700; font-size: .95rem; text-align: left; padding: 14px var(--s5); width: 50%; }
.proscons thead th + th { border-left: 1px solid rgba(28,28,28,.12); }
.proscons td { padding: 12px var(--s5); font-size: .96rem; color: #2c2f2c; vertical-align: top; border-top: 1px solid var(--line); width: 50%; }
.proscons td + td { border-left: 1px solid var(--line); }
.proscons td span { display: inline-flex; gap: 9px; align-items: flex-start; }
.proscons td svg { width: 18px; height: 18px; flex-shrink: 0; margin-top: 2px; }
.proscons .pro svg { color: var(--clay); }
.proscons .con svg { color: #C7512E; }
/* Wide comparison tables (guide "this vs sibling") keep the yellow-header skin but scroll
   horizontally instead of stacking, so columns stay aligned and readable on mobile. */
.proscons--wide { overflow-x: auto; -webkit-overflow-scrolling: touch; }
.proscons--wide table { min-width: 620px; }
/* legacy pc blocks (kept as fallback) */
.pc { border: 1px solid var(--line); border-radius: var(--r-md); overflow: hidden; background: var(--white); }
.pc__head { padding: 12px var(--s5); font-family: var(--f-display); font-weight: 700; font-size: .95rem; display: flex; align-items: center; gap: 8px; background: var(--yellow); color: var(--yellow-ink); }
.pc__head svg { width: 18px; height: 18px; }
.pc ul { list-style: none; padding: var(--s4) var(--s5); display: flex; flex-direction: column; gap: 10px; }
.pc li { font-size: .95rem; color: #2c2f2c; padding-left: 24px; position: relative; line-height: 1.45; }
.pc li::before { content: ""; position: absolute; left: 0; top: 7px; width: 12px; height: 12px; border-radius: 3px; }
.pc--pro li::before { background: var(--clay); }
.pc--con li::before { background: #C7512E; }

/* considerations checklist */
.checklist { list-style: none; padding: 0; display: flex; flex-direction: column; gap: var(--s3); }
.checklist li { display: flex; gap: 13px; align-items: flex-start; font-size: 1.03rem; }
.checklist svg { width: 24px; height: 24px; color: var(--clay); flex-shrink: 0; margin-top: 2px; }
.checklist b { font-weight: 700; }
.checklist span { color: var(--slate); }

/* FIA restoration: definition rows (his Accumulation / Distribution 1_3 + 2_3 layout) */
.deflist { margin-block: var(--s6); border-top: 1px solid var(--line); }
.deflist__row { display: grid; grid-template-columns: 1fr 2fr; gap: var(--s5); padding: var(--s5) 0; border-bottom: 1px solid var(--line); }
.deflist__term { font-family: var(--f-display); font-weight: 700; font-size: 1.12rem; color: var(--ink); margin: 0; padding-top: 2px; }
.deflist__def { color: #2c2f2c; font-size: 1.04rem; line-height: 1.65; }
@media (max-width: 640px) { .deflist__row { grid-template-columns: 1fr; gap: var(--s2); } }

/* FIA restoration: arrow-bullet list (his fusion recruitment-arrow checklist) */
.arrowlist { list-style: none; padding: 0; margin-block: var(--s5); display: flex; flex-direction: column; gap: var(--s3); }
.arrowlist li { display: flex; gap: 12px; align-items: flex-start; font-size: 1.05rem; line-height: 1.6; color: #2c2f2c; }
.arrowlist li svg { width: 22px; height: 22px; color: var(--clay); flex-shrink: 0; margin-top: 3px; }

/* FIA restoration: real video element inside the videocard frame */
.videocard__video { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; background: #061a12; }

/* FIA restoration: step-quiz NEXT button spacing */
.stepquiz .btn { min-width: 220px; }

/* ---------- 12. Author + reviewer box ---------- */
.byline { display: flex; flex-wrap: wrap; gap: var(--s5); align-items: center; padding-block: var(--s4); border-block: 1px solid var(--line); margin-block: var(--s6); font-size: .9rem; }
.byline__person { display: flex; align-items: center; gap: var(--s3); }
.avatar { width: 46px; height: 46px; border-radius: 50%; background: var(--clay-soft); color: var(--clay); display: grid; place-items: center; font-family: var(--f-display); font-weight: 700; font-size: 1.05rem; flex-shrink: 0; border: 1px solid var(--line); }
.byline__person b { display: block; color: var(--ink); }
.byline__person span { color: var(--slate); }
.byline__meta { margin-left: auto; color: var(--slate); font-variant-numeric: tabular-nums; }

.reviewbox {
  background: var(--white); border: 1px solid var(--line); border-radius: var(--r-md);
  padding: var(--s5); margin-block: var(--s6); display: flex; gap: var(--s4); align-items: flex-start; box-shadow: var(--sh1);
}
.reviewbox .avatar { width: 54px; height: 54px; font-size: 1.2rem; }
.reviewbox__body { font-size: .92rem; }
.reviewbox__body b { color: var(--ink); }
.reviewbox__body p { color: var(--slate); margin-top: 4px; }
.reviewbox__body svg { display: inline-block; width: 15px; height: 15px; vertical-align: -.2em; color: var(--clay); }
.reviewbox .npn { color: var(--clay); font-weight: 700; font-variant-numeric: tabular-nums; }

/* ---------- 13. Freshness stamp ---------- */
.stamp {
  display: inline-flex; align-items: center; gap: 8px; font-size: var(--fs-small);
  font-weight: 500; color: var(--slate); background: var(--white); border: 1px solid var(--line);
  border-radius: var(--r-pill); padding: 6px 14px; font-variant-numeric: tabular-nums;
}
.stamp svg { width: 16px; height: 16px; color: var(--clay); }
.stamp b { color: var(--ink); font-weight: 700; }

/* ---------- 14. Rates tables (designed, yellow header band) ---------- */
.table-tools { display: flex; flex-wrap: wrap; gap: var(--s3); align-items: center; margin-bottom: var(--s4); }
.table-tools label { font-size: var(--fs-small); font-weight: 600; color: var(--slate); }
.table-tools select {
  font-family: var(--f-body); font-size: .9rem; padding: 9px 13px; border-radius: var(--r1);
  border: 1px solid var(--line-2); background: var(--white); color: var(--ink); cursor: pointer;
}
.rates-wrap, .table-scroll { border: 1px solid var(--line); border-radius: var(--r-md); background: var(--white); overflow: hidden; box-shadow: var(--sh1); }
.table-scroll { overflow-x: auto; -webkit-overflow-scrolling: touch; }
table.rates { width: 100%; border-collapse: collapse; font-variant-numeric: tabular-nums; min-width: 640px; }
table.rates thead th {
  background: var(--yellow); color: var(--yellow-ink); text-align: left;
  font-family: var(--f-display); font-size: .78rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase;
  padding: 15px var(--s5); white-space: nowrap; border-bottom: 1px solid rgba(28,28,28,.1);
}
table.rates tbody tr { border-bottom: 1px solid var(--line); transition: background var(--t-fast); }
table.rates tbody tr:last-child { border-bottom: none; }
table.rates tbody tr:hover { background: var(--clay-soft); }
table.rates td { padding: 18px var(--s5); font-size: .95rem; vertical-align: middle; }
table.rates .carrier { font-weight: 600; color: var(--ink); }
table.rates .carrier small { display: block; font-weight: 400; color: var(--slate); font-size: .82rem; margin-top: 2px; }
table.rates .rate { font-family: var(--f-display); font-size: 1.35rem; font-weight: 700; color: var(--clay); }
.ambest { display: inline-flex; align-items: center; font-size: .78rem; font-weight: 700; color: var(--ink); background: var(--sand); border: 1px solid var(--line-2); border-radius: 6px; padding: 2px 9px; letter-spacing: .02em; }
.rates .verify { white-space: nowrap; }
.rates-note { font-size: var(--fs-small); color: var(--slate); margin-top: var(--s4); }
.rates-note.center { text-align: center; }
.rates-note a { color: var(--clay); font-weight: 600; text-decoration: underline; }
.split-label { display: flex; align-items: center; gap: 10px; margin-bottom: var(--s4); }
.split-label h3 { font-size: 1.25rem; }
.split-label .tag { font-size: .72rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; padding: 4px 10px; border-radius: var(--r-pill); }
.tag--a { background: var(--clay-soft); color: var(--clay-deep); }
.tag--yield { background: var(--yellow-soft); color: #8a7300; }

/* ---------- 15. Product listing cards ---------- */
.filters { display: flex; flex-wrap: wrap; gap: var(--s3); align-items: center; margin-bottom: var(--s6); padding: var(--s4) var(--s5); background: var(--white); border: 1px solid var(--line); border-radius: var(--r-md); box-shadow: var(--sh1); }
.filters .fg { display: flex; flex-direction: column; gap: 4px; }
.filters label { font-size: .72rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; color: var(--slate); }
.filters select { font-family: var(--f-body); font-size: .9rem; padding: 8px 12px; border-radius: var(--r1); border: 1px solid var(--line-2); background: var(--paper); color: var(--ink); cursor: pointer; }
.prod-count { margin-left: auto; font-size: var(--fs-small); color: var(--slate); }
.prod-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: var(--s5); }
.prod-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--r3); padding: var(--s5); display: flex; flex-direction: column; gap: var(--s3); box-shadow: var(--sh1); transition: box-shadow var(--t-base) var(--ease), transform var(--t-base) var(--ease); }
.prod-card:hover { box-shadow: var(--sh2); transform: translateY(-3px); }
.prod-card__top { display: flex; justify-content: space-between; align-items: flex-start; gap: var(--s3); }
.prod-card__carrier { font-family: var(--f-display); font-weight: 700; color: var(--ink); font-size: 1.05rem; }
.prod-card__carrier small { display: block; font-family: var(--f-body); font-weight: 500; color: var(--slate); font-size: .85rem; }
.prod-card__rate { text-align: right; }
.prod-card__rate .n { font-family: var(--f-display); font-size: 2rem; font-weight: 700; font-variant-numeric: tabular-nums; line-height: 1; color: var(--clay); }
.prod-card__rate .u { font-size: .72rem; color: var(--slate); font-weight: 700; text-transform: uppercase; letter-spacing: .05em; }
.prod-specs { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--s2); border-block: 1px solid var(--line); padding-block: var(--s3); }
.prod-specs div { font-size: .8rem; color: var(--slate); }
.prod-specs div b { display: block; color: var(--ink); font-size: .98rem; font-weight: 700; font-variant-numeric: tabular-nums; margin-top: 2px; }
.fit-tag { font-size: .85rem; color: var(--clay-deep); display: flex; gap: 6px; align-items: center; }
.fit-tag svg { width: 16px; height: 16px; flex-shrink: 0; }
.prod-card__cta { display: flex; gap: var(--s2); margin-top: auto; padding-top: var(--s2); }
.prod-card__cta .btn { flex: 1; }

/* ---------- 16. Calculator shell ---------- */
.calc { display: grid; grid-template-columns: 1fr 1.1fr; gap: var(--s6); align-items: start; }
.calc__panel { background: var(--white); border: 1px solid var(--line); border-radius: var(--r-lg); padding: var(--s6); box-shadow: var(--sh1); }
.calc__panel h3 { font-size: 1.2rem; margin-bottom: var(--s5); }
.field { display: flex; flex-direction: column; gap: 6px; margin-bottom: var(--s5); }
.field label { font-size: .9rem; font-weight: 600; color: var(--ink); }
.field .hint { font-size: .82rem; color: var(--slate); font-weight: 400; }
.field input, .field select {
  font-family: var(--f-body); font-size: 1rem; height: 48px; padding: 0 14px; border-radius: var(--r-sm);
  border: 1.5px solid var(--line-2); background: var(--paper); color: var(--ink); width: 100%;
  font-variant-numeric: tabular-nums;
}
.field textarea { font-family: var(--f-body); font-size: 1rem; padding: 12px 14px; border-radius: var(--r-sm); border: 1.5px solid var(--line-2); background: var(--paper); color: var(--ink); width: 100%; }
.field input:focus, .field select:focus, .field textarea:focus { border-color: var(--clay); outline: none; box-shadow: 0 0 0 3px rgba(24,178,111,.16); }
.radio-row { display: flex; gap: var(--s2); flex-wrap: wrap; }
.radio-row label { flex: 1; min-width: 90px; text-align: center; padding: 11px; border: 1.5px solid var(--line-2); border-radius: var(--r-sm); cursor: pointer; font-size: .9rem; font-weight: 500; background: var(--paper); transition: all var(--t-fast); }
.radio-row input { position: absolute; opacity: 0; }
.radio-row label:has(input:checked) { border-color: var(--clay); background: var(--clay-soft); color: var(--clay-deep); font-weight: 700; }

.calc__result { background: var(--forest); color: var(--forest-ink); border: 0; border-radius: var(--r-lg); padding: var(--s6); }
.calc__result .kicker { color: var(--yellow); }
.result-num { font-family: var(--f-display); font-size: clamp(2.6rem, 2rem + 3vw, 3.8rem); font-weight: 700; font-variant-numeric: tabular-nums; line-height: 1; margin-block: var(--s2); color: #fff; }
.result-sub { color: var(--forest-ink); font-size: .95rem; }
.result-viz { margin-block: var(--s5); }
.result-viz svg { width: 100%; height: auto; }
.compare-cols { display: grid; grid-template-columns: 1fr 1fr; gap: var(--s3); margin-block: var(--s5); }
.compare-cols .cc { background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.14); border-radius: var(--r-md); padding: var(--s4); text-align: center; }
.compare-cols .cc .lab { font-size: .78rem; text-transform: uppercase; letter-spacing: .06em; font-weight: 700; color: var(--forest-ink); }
.compare-cols .cc .val { font-family: var(--f-display); font-size: 1.8rem; font-weight: 700; font-variant-numeric: tabular-nums; margin-top: 4px; color: #fff; }
.compare-cols .cc--win { border-color: var(--yellow); background: rgba(251,225,46,.12); }
.compare-cols .cc--win .val { color: var(--yellow); }
.result-cta { margin-top: var(--s5); padding-top: var(--s5); border-top: 1px solid rgba(255,255,255,.16); }
.assumptions { font-size: .82rem; color: var(--forest-ink); margin-top: var(--s5); line-height: 1.5; opacity: .85; }

/* ---------- 17. Quiz / match ---------- */
.quiz { max-width: 660px; margin-inline: auto; }
.quiz__bar { height: 8px; background: var(--line); border-radius: var(--r-pill); overflow: hidden; margin-bottom: var(--s6); }
.quiz__bar span { display: block; height: 100%; background: var(--clay); border-radius: var(--r-pill); transition: width var(--t-base) var(--ease); }
.quiz__step { display: none; }
.quiz__step.is-active { display: block; }
.quiz__q { font-family: var(--f-display); font-weight: 700; font-size: clamp(1.4rem, 1.2rem + 1vw, 1.9rem); margin-bottom: var(--s5); }
.quiz__opts { display: flex; flex-direction: column; gap: var(--s3); }
.opt {
  display: flex; align-items: center; gap: var(--s4); padding: var(--s5); text-align: left;
  background: var(--white); border: 1.5px solid var(--line-2); border-radius: var(--r-md); cursor: pointer;
  font-family: var(--f-body); font-size: 1.02rem; color: var(--ink); width: 100%;
  transition: border-color var(--t-fast), background var(--t-fast), transform var(--t-fast), box-shadow var(--t-fast);
}
.opt:hover { border-color: var(--clay); transform: translateX(3px); box-shadow: var(--sh1); }
.opt.is-sel { border-color: var(--clay); background: var(--clay-soft); }
.opt__ico { width: 46px; height: 46px; border-radius: 12px; background: var(--clay-soft); color: var(--clay); display: grid; place-items: center; flex-shrink: 0; }
.opt__ico svg { width: 22px; height: 22px; }
.opt b { display: block; }
.opt small { color: var(--slate); font-weight: 400; }
.quiz__nav { display: flex; justify-content: space-between; margin-top: var(--s6); }
.quiz__result { display: none; text-align: center; }
.quiz__result.is-active { display: block; }

/* ---------- 18. CAA trust band (navy + gold - the ONLY place) ---------- */
.caa-band .wrap { position: relative; }
.caa-band { color: #EDE6D6; }
.caa-band__grid {
  position: relative; overflow: hidden; display: grid; grid-template-columns: auto 1fr auto; gap: 36px; align-items: center;
  background: var(--caa-navy); border-radius: var(--r-lg); padding: clamp(32px, 4vw, 56px);
}
.caa-band__grid::before { content: ""; position: absolute; top: -100px; right: -60px; width: 340px; height: 340px; background: radial-gradient(circle, rgba(199,162,74,.22), transparent 70%); pointer-events: none; }
.caa-band__seal { position: relative; width: 120px; height: 120px; border-radius: 50%; background: #fff; padding: 10px; box-shadow: 0 12px 34px rgba(0,0,0,.3); }
.caa-band__seal img { width: 100%; height: 100%; }
.caa-band h2 { color: #fff; font-size: clamp(1.5rem, 1rem + 1.6vw, 2.1rem); position: relative; }
.caa-band .kicker { color: var(--caa-gold); position: relative; }
.caa-band p { color: #C4CDDC; margin-top: var(--s3); max-width: 52ch; position: relative; }
.caa-band__actions { position: relative; display: flex; flex-direction: column; gap: var(--s3); }
.btn--gold { background: var(--caa-gold); color: #1a1408; border-color: var(--caa-gold); box-shadow: none; }
.btn--gold:hover { background: #d4b263; color: #1a1408; }
.btn--navy-out { background: transparent; color: #EDE6D6; border-color: rgba(255,255,255,.28); }
.btn--navy-out:hover { background: rgba(255,255,255,.1); color: #fff; }

/* ---------- 19. Stat band ---------- */
.stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--s5); }
.stat { text-align: center; padding: 28px 16px; background: var(--white); border: 1px solid var(--line); border-radius: var(--r3); box-shadow: var(--sh1); }
.stat .n { font-family: var(--f-display); font-size: clamp(2.2rem, 1.4rem + 2vw, 3.1rem); font-weight: 700; letter-spacing: -.03em; font-variant-numeric: tabular-nums; line-height: 1; color: var(--clay); }
.stat .l { font-size: .9rem; color: var(--slate); margin-top: 10px; }

/* ---------- 20. FAQ ---------- */
.faq { max-width: 820px; border-top: 1px solid var(--line); margin-top: var(--s5); }
.faq details { border-bottom: 1px solid var(--line); }
.faq summary { list-style: none; cursor: pointer; padding: 22px var(--s1); display: flex; justify-content: space-between; align-items: center; gap: var(--s4); font-family: var(--f-display); font-size: 1.08rem; font-weight: 600; color: var(--ink); }
.faq summary::-webkit-details-marker { display: none; }
.faq summary svg { width: 22px; height: 22px; color: var(--clay); flex-shrink: 0; transition: transform var(--t-base) var(--ease); }
.faq details[open] summary svg { transform: rotate(45deg); }
.faq details > div { padding: 0 var(--s1) var(--s5); color: var(--slate); font-size: 1.02rem; line-height: 1.7; max-width: 70ch; }

/* ---------- 21. CTA band + human close (his dark newsletter band) ---------- */
.cta-band { background: var(--ink); color: #E4E4E2; }
.cta-band__grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: 56px; align-items: center; }
.cta-band h2 { color: #fff; font-size: var(--fs-h2); }
.cta-band .kicker { color: var(--yellow); }
.cta-band p { color: #A6A6A2; margin-top: var(--s4); max-width: 46ch; }
.cta-band__box { background: rgba(255,255,255,.05); border: 1px solid rgba(255,255,255,.14); border-radius: var(--r-lg); padding: var(--s6); }
.close-row { display: flex; flex-wrap: wrap; gap: var(--s3); margin-top: var(--s5); }
.close-phone { display: inline-flex; align-items: center; gap: 11px; font-family: var(--f-display); font-weight: 700; font-size: 1.5rem; color: #fff; font-variant-numeric: tabular-nums; }
.close-phone svg { width: 24px; height: 24px; color: var(--yellow); }
.close-note { font-size: var(--fs-small); color: #8B8B87; margin-top: var(--s3); }

/* human-close block used under rates/products */
.human-close { background: var(--sand); border: 1px solid var(--line); border-radius: var(--r-lg); padding: var(--s6); display: grid; grid-template-columns: 1fr auto; gap: var(--s5); align-items: center; }
.human-close h3 { font-size: 1.3rem; }
.human-close p { color: var(--slate); margin-top: var(--s2); font-size: .96rem; }

/* ---------- 22. Forms ---------- */
.form-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--r-lg); padding: var(--s6); box-shadow: var(--sh2); }
.form-card.on-dark { background: transparent; border: 0; padding: 0; box-shadow: none; }
.form-card h3 { color: var(--ink); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: var(--s4); }
.form-msg { display: none; padding: var(--s5); background: var(--clay-soft); border: 1px solid var(--clay); border-radius: var(--r-md); text-align: center; }
.form-msg.is-visible { display: block; }
.form-msg svg { width: 40px; height: 40px; color: var(--clay); margin: 0 auto var(--s3); }
.form-msg b { font-family: var(--f-display); }
.consent { font-size: .78rem; color: var(--slate); margin-top: var(--s3); line-height: 1.5; }
.consent code { background: var(--sand); padding: 1px 5px; border-radius: 4px; font-size: .9em; }
.on-dark .field label { color: #E4E4E2; }
.on-dark .field input, .on-dark .field select { background: rgba(255,255,255,.08); border-color: rgba(255,255,255,.2); color: #fff; }
.on-dark .consent { color: #A6A6A2; }
.on-dark .consent code { background: rgba(255,255,255,.12); }

/* Graceful lead-submit failure (shared endpoint down): a "call us" fallback. */
.form-fail { display: block; margin-top: var(--s4); padding: var(--s4); border: 1px solid #E7B4B4; background: #FBEDED; border-radius: var(--r-sm); color: #8A2A2A; font-size: .9rem; }

/* ---------- 22b. Booking (Calendly-style scheduler) ---------- */
.booking { display: grid; grid-template-columns: minmax(0, 300px) 1fr; border: 1px solid var(--hairline); border-radius: var(--r-lg); background: var(--white); box-shadow: var(--sh2); overflow: hidden; }
.booking__side { padding: var(--s6); border-right: 1px solid var(--hairline); background: var(--sand); }
.booking__host { display: flex; align-items: center; gap: 12px; margin-bottom: var(--s5); }
.booking__avatar { width: 48px; height: 48px; border-radius: var(--r-pill); object-fit: cover; flex: none; }
.booking__avatar--initials { display: grid; place-items: center; background: var(--clay-soft); color: var(--clay); font-family: var(--f-display); font-weight: 700; font-size: 1.05rem; }
.booking__hostname { font-weight: 600; color: var(--ink); }
.booking__hosttitle { font-size: .85rem; color: var(--slate); }
.booking__mtitle { font-size: 1.35rem; line-height: 1.2; margin-bottom: var(--s4); color: var(--ink); }
.booking__meta { list-style: none; padding: 0; margin: 0 0 var(--s4); display: flex; flex-direction: column; gap: 8px; }
.booking__meta li { display: flex; align-items: center; gap: 8px; color: var(--slate); font-weight: 500; }
.booking__ico { width: 18px; height: 18px; color: var(--clay); flex: none; display: inline-grid; place-items: center; }
.booking__ico svg { width: 18px; height: 18px; }
.booking__desc { color: var(--slate); line-height: 1.6; font-size: .95rem; margin-bottom: var(--s4); }
.booking__tz { display: flex; align-items: center; gap: 8px; color: var(--slate); font-size: .9rem; }
.booking__main { padding: var(--s6); position: relative; min-width: 0; }
.booking__step { display: none; }
.booking__step.is-active { display: block; }
.booking__calhead { display: flex; align-items: center; justify-content: space-between; margin-bottom: var(--s4); }
.booking__month { font-family: var(--f-display); font-weight: 600; font-size: 1.1rem; color: var(--ink); }
.booking__navs { display: flex; gap: 6px; }
.booking__nav { width: 36px; height: 36px; border-radius: var(--r-sm); border: 1px solid var(--hairline); background: var(--white); display: flex; align-items: center; justify-content: center; color: var(--ink); cursor: pointer; transition: background var(--t-fast), border-color var(--t-fast), color var(--t-fast); }
.booking__nav:hover:not(:disabled) { border-color: var(--clay); color: var(--clay); }
.booking__nav:disabled { opacity: .35; cursor: not-allowed; }
.booking__navico { display: inline-flex; align-items: center; justify-content: center; } /* span wrapper: a <button> collapses a direct-child SVG in the Elementor context */
.booking__navico svg { width: 18px; height: 18px; }
[data-cal-prev] .booking__navico svg { transform: scaleX(-1); } /* arrow points left for previous month */
.booking__dow { display: grid; grid-template-columns: repeat(7, 1fr); gap: 4px; margin-bottom: 6px; }
.booking__dow span { text-align: center; font-size: .72rem; font-weight: 600; color: var(--slate); text-transform: uppercase; letter-spacing: .04em; }
.booking__grid { display: grid; grid-template-columns: repeat(7, 1fr); gap: 4px; }
.booking__day { aspect-ratio: 1; border: 0; background: var(--sand); color: var(--ink); border-radius: var(--r-sm); font-family: var(--f-body); font-weight: 600; font-size: .95rem; cursor: pointer; transition: background var(--t-fast), color var(--t-fast); }
.booking__day:hover:not(:disabled) { background: var(--clay); color: #fff; }
.booking__day.is-selected { background: var(--clay); color: #fff; }
.booking__day:disabled { background: transparent; color: var(--line-2); cursor: default; font-weight: 400; }
.booking__day--empty { background: transparent; cursor: default; }
.booking__hint { margin-top: var(--s4); font-size: .85rem; color: var(--slate); }
.booking__daylabel, .booking__chosen { font-family: var(--f-display); font-weight: 600; font-size: 1.05rem; color: var(--ink); margin-bottom: var(--s4); }
.booking__slots { display: flex; flex-direction: column; gap: 8px; max-height: 360px; overflow-y: auto; padding-right: 4px; }
.booking__slot { padding: 12px; border: 1.5px solid var(--clay); border-radius: var(--r-sm); background: var(--white); color: var(--clay); font-family: var(--f-body); font-weight: 600; font-size: 1rem; cursor: pointer; transition: background var(--t-fast), color var(--t-fast); }
.booking__slot:hover { background: var(--clay); color: #fff; }
.booking__back { display: inline-flex; align-items: center; gap: 6px; background: none; border: 0; color: var(--slate); font-weight: 600; cursor: pointer; padding: 0; margin-bottom: var(--s4); }
.booking__back:hover { color: var(--clay); }
.booking__back svg { width: 18px; height: 18px; transform: scaleX(-1); }
.booking__err { color: #8A2A2A; font-size: .85rem; margin-top: var(--s3); }
.booking__step[data-step="done"] { text-align: center; padding: var(--s5) 0; }
.booking__doneico { display: inline-grid; place-items: center; width: 64px; height: 64px; border-radius: var(--r-pill); background: var(--clay-soft); color: var(--clay); margin-bottom: var(--s4); }
.booking__doneico svg { width: 40px; height: 40px; }
.booking__donetime { font-family: var(--f-display); font-weight: 600; font-size: 1.2rem; color: var(--ink); margin-top: 8px; }
.booking__donename { color: var(--slate); margin-top: 6px; }
.booking__donenote { color: var(--slate); max-width: 42ch; margin: var(--s4) auto 0; }
@media (max-width: 760px) {
  .booking { grid-template-columns: 1fr; }
  .booking__side { border-right: 0; border-bottom: 1px solid var(--hairline); }
}

/* ---------- 23. Notices / callouts ---------- */
.notice { background: var(--sand); border: 1px solid var(--line); border-left: 4px solid var(--clay); border-radius: var(--r-md); padding: var(--s5); font-size: .95rem; color: #2c2f2c; }
.notice b { color: var(--ink); }
.todo { background: var(--yellow-soft); border: 1px dashed var(--yellow-deep); border-radius: var(--r-md); padding: var(--s5); font-size: .92rem; color: #6b5a1a; }
.todo b { color: #8a6d0f; }
.brochure-card { display: flex; gap: var(--s4); align-items: flex-start; background: var(--white); border: 1px solid var(--line-2); border-radius: var(--r-md); padding: var(--s5); margin: var(--s5) 0; }
.brochure-card__ico { flex: 0 0 auto; width: 40px; height: 40px; display: grid; place-items: center; border-radius: 10px; background: var(--sand); color: var(--clay); }
.brochure-card__ico svg { width: 22px; height: 22px; }
.brochure-card__body { min-width: 0; }
.brochure-card__head { margin: 0 0 6px; }
.brochure-card__body > p { font-size: .92rem; color: #2c2f2c; margin: 0 0 12px; }
.brochure-card__btn { margin-bottom: 10px; }
.brochure-card__stamp { font-size: .8rem; color: var(--slate); margin: 0; }
.inline-cta { background: var(--sand); border: 1px solid var(--line); border-left: 4px solid var(--yellow); border-radius: var(--r-md); padding: var(--s5) var(--s6); display: flex; flex-wrap: wrap; gap: var(--s4); align-items: center; justify-content: space-between; margin-block: var(--s6); }
.inline-cta p { font-family: var(--f-display); font-weight: 500; font-size: 1.15rem; color: var(--ink); }

/* chips / tag rows */
.chips { display: flex; flex-wrap: wrap; gap: var(--s2); }
.chip { font-size: .82rem; font-weight: 600; padding: 6px 13px; border-radius: var(--r-pill); background: var(--white); border: 1px solid var(--line); color: var(--ink); }
.chip--on { background: var(--clay); color: #fff; border-color: var(--clay); }

/* type list (learn hub) - yellow category tags (his blog cards) */
.artlist { display: flex; flex-direction: column; }
.artitem { display: flex; gap: var(--s4); padding: var(--s5) 0; border-top: 1px solid var(--line); align-items: baseline; }
.artitem:first-child { border-top: 0; }
.artitem__cat { font-size: .7rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; color: var(--yellow-ink); background: var(--yellow); border-radius: var(--r-pill); padding: 5px 12px; width: max-content; flex-shrink: 0; }
.artitem h3 { font-size: 1.2rem; }
.artitem p { color: var(--slate); font-size: .93rem; margin-top: 4px; }
.artitem--soon { opacity: .55; }
.artitem--soon h3 { color: var(--slate); }
.soon-tag { font-size: .68rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--slate); background: var(--sand); border: 1px solid var(--line); border-radius: var(--r-pill); padding: 3px 9px; margin-left: 8px; }

/* ---------- 24. Footer (dark, multi-column + trusted-partner bottom bar) ---------- */
.site-footer { background: #141414; color: #A8A8A4; padding-block: var(--s9) 0; font-size: .92rem; }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: var(--s7); }
.footer-logo { display: inline-block; }
.footer-logo img { display: block; height: 40px; width: auto; }
.site-footer p { margin-top: var(--s4); max-width: 38ch; line-height: 1.6; }
.footer-col h4 { font-family: var(--f-display); font-size: .95rem; color: #fff; font-weight: 700; margin-bottom: var(--s4); }
.footer-col ul { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: 10px; }
.footer-col a { color: #A8A8A4; }
.footer-col a:hover { color: var(--green-lite); }
.footer-disclosure { margin-top: var(--s8); padding-top: var(--s6); border-top: 1px solid #2a2c2a; font-size: .8rem; color: #85857f; line-height: 1.6; display: flex; flex-direction: column; gap: var(--s3); }
.footer-disclosure p { max-width: none; margin: 0; }
.footer-disclosure b { color: #A8A8A4; }
.footer-bottom { display: flex; flex-wrap: wrap; justify-content: space-between; gap: var(--s4); margin-top: var(--s5); padding-block: var(--s5) var(--s7); font-size: .82rem; }
.footer-bottom a:hover { color: #fff; }
/* trusted-partner bar (his "Your Trusted Financial Partner") */
.footer-partner { background: #0d0d0d; border-top: 1px solid #2a2c2a; }
.footer-partner .wrap { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: var(--s4); padding-block: var(--s5); }
.footer-partner span { font-family: var(--f-display); font-weight: 600; font-size: 1.1rem; color: #fff; }

/* sticky mobile CTA (landing-style pages only: /match/) */
.sticky-cta { display: none; }

/* reveal */
.reveal { opacity: 0; transform: translateY(18px); transition: opacity var(--t-slow) var(--ease), transform var(--t-slow) var(--ease); }
.reveal.in { opacity: 1; transform: none; }

/* skip link */
.skip { position: absolute; left: -999px; top: 0; background: var(--ink); color: #fff; padding: 10px 16px; border-radius: 0 0 var(--r1) 0; z-index: 200; }
.skip:focus { left: 12px; top: 12px; border-radius: 8px; }

/* ---------- 24b. Header responsive + mobile menu ---------- */
@media (max-width: 1040px) {
  .masthead .mainnav { display: none; }
  .topbar__nav { display: none; }               /* tablet/mobile: dark bar keeps the right-side action only (per Figma) */
  /* Naked 3-bar burger (per Figma), morphs to an X while the menu is open */
  .burger {
    display: inline-flex; flex-direction: column; align-items: center; justify-content: center;
    gap: 5px; width: 44px; height: 44px; margin-left: 2px; flex-shrink: 0;
    border: 0; background: none; cursor: pointer; padding: 0;
  }
  .burger__bar {
    display: block; width: 24px; height: 2.5px; border-radius: 2px; background: var(--ink);
    transition: transform .3s var(--ease), opacity .2s var(--ease);
  }
  .burger[aria-expanded="true"] .burger__bar:nth-child(1) { transform: translateY(7.5px) rotate(45deg); }
  .burger[aria-expanded="true"] .burger__bar:nth-child(2) { opacity: 0; transform: scaleX(.4); }
  .burger[aria-expanded="true"] .burger__bar:nth-child(3) { transform: translateY(-7.5px) rotate(-45deg); }
  .masthead__row { gap: var(--s4); min-height: 72px; }
  /* Menu panel: slides down beneath the persistent masthead (JS sets top) */
  .mobile {
    display: flex; flex-direction: column; position: fixed; left: 0; right: 0;
    top: var(--mob-top, 110px); bottom: 0; z-index: 90;
    background: var(--white); padding: var(--s4) var(--s5) var(--s5);
    overflow-y: auto; overscroll-behavior: contain;
    opacity: 0; visibility: hidden; transform: translateY(-12px);
    transition: opacity .32s var(--ease), transform .32s var(--ease), visibility 0s .32s;
  }
  .mobile.is-open { opacity: 1; visibility: visible; transform: none; transition: opacity .32s var(--ease), transform .32s var(--ease), visibility 0s; }
  .mobile__nav > * { opacity: 0; transform: translateY(10px); transition: opacity .3s var(--ease), transform .3s var(--ease); }
  .mobile.is-open .mobile__nav > * { opacity: 1; transform: none; }
  .mobile.is-open .mobile__nav > :nth-child(1) { transition-delay: .05s; }
  .mobile.is-open .mobile__nav > :nth-child(2) { transition-delay: .1s; }
  .mobile.is-open .mobile__nav > :nth-child(3) { transition-delay: .15s; }
  .mobile.is-open .mobile__nav > :nth-child(4) { transition-delay: .2s; }
  .mobile.is-open .mobile__nav > :nth-child(5) { transition-delay: .25s; }
  .mobile.is-open .mobile__nav > :nth-child(6) { transition-delay: .3s; }
  .mobile.is-open .mobile__nav > :nth-child(7) { transition-delay: .35s; }
}
@media (max-width: 560px) {
  .cta-rates { display: none; }                 /* mobile bar: logo + one pill + burger (per Figma) */
  .masthead__cta { gap: 8px; }
  .btn--pill { padding: 10px 16px; font-size: .86rem; }
  .logo__img { height: 34px; }
  .topbar .wrap { min-height: 38px; }
  .topbar__link { padding: 9px 10px; font-size: .8rem; }
}

.mobile__nav { display: flex; flex-direction: column; }
.m-acc__btn {
  display: flex; align-items: center; justify-content: space-between; width: 100%;
  padding: 16px 4px; font-family: var(--f-body); font-size: 1.1rem; font-weight: 600;
  color: var(--ink); background: none; border: 0; border-bottom: 1px solid var(--line); cursor: pointer;
}
.m-acc__btn svg { width: 20px; height: 20px; color: var(--slate); transition: transform var(--t-fast) var(--ease); }
.m-acc__btn[aria-expanded="true"] svg { transform: rotate(180deg); }
.m-acc__body { display: none; padding: 2px 4px 14px 14px; flex-direction: column; }
.m-acc.is-open .m-acc__body { display: flex; }
.m-acc__body a { padding: 9px 0; color: var(--slate); font-weight: 500; font-size: 1rem; }
.m-acc__body a:hover { color: var(--clay); }
.m-plain { padding: 16px 4px; font-size: 1.1rem; font-weight: 600; color: var(--ink); border-bottom: 1px solid var(--line); }
.mobile__util { display: flex; flex-wrap: wrap; gap: 8px 18px; padding: 18px 4px 6px; }
.mobile__util a { color: var(--slate); font-weight: 600; font-size: .95rem; }
.mobile__util a:hover { color: var(--clay); }
.mobile__cta { display: flex; flex-direction: column; gap: 12px; margin-top: var(--s5); padding-bottom: var(--s6); }

/* ---------- 25. Responsive ---------- */
@media (max-width: 1000px) {
  .doc { grid-template-columns: 1fr; }
  .doc > .prose, .doc > .toc { grid-column: auto; grid-row: auto; }
  .toc { padding-top: 0; }
  .toc__sticky { position: static; top: auto; }
  .toc__gap { display: none; }
  .toc__rate { margin-bottom: var(--s5); }
  .toc { position: static; margin-bottom: var(--s4); flex-direction: row; flex-wrap: wrap; gap: var(--s4); }
  .toc__box { flex: 1; min-width: 260px; }
  .toc-cta { flex: 1; min-width: 260px; margin-top: 0; }
}
@media (max-width: 900px) {
  .hero__grid, .feature, .feature--flip, .cta-band__grid { grid-template-columns: 1fr; gap: 28px; }
  .feature--flip .feature__media { order: 0; }
  .hero__grid { gap: 20px; }
  .hero__stage { order: -1; }
  .hero__photo { min-height: 260px; aspect-ratio: 16/10; }
  .rate-glass { left: 0; bottom: -24px; width: 230px; }
  .calc { grid-template-columns: 1fr; }
  .human-close { grid-template-columns: 1fr; }
  .caa-band__grid { grid-template-columns: 1fr; text-align: center; gap: 24px; }
  .caa-band__seal { margin-inline: auto; }
  .caa-band p { margin-inline: auto; }
  .caa-band .kicker { justify-content: center; }
  .caa-band .kicker::before { display: none; }
  .caa-band__actions { align-items: center; }
  .grid-3, .pillars { grid-template-columns: repeat(2, 1fr); }
  .pathways { grid-template-columns: 1fr; }
  .stats { grid-template-columns: repeat(2, 1fr); gap: var(--s5); }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: var(--s6); }
}
@media (max-width: 720px) {
  .grid-3, .grid-2, .pillars, .prod-grid, .compare-cols { grid-template-columns: 1fr; }
  .stats { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: var(--s6); }
  .byline__meta { margin-left: 0; width: 100%; }
  .rate-glass { position: static; width: 100%; margin-top: 20px; }
  .verify-chip { right: 8px; }
  .illo-card { padding: var(--s5); }
  .human-close .btn { width: 100%; }
  .timeline__row { grid-template-columns: 44px 1fr; gap: var(--s4); }
  .timeline__num { width: 44px; height: 44px; font-size: 1.05rem; }

  body.has-sticky .sticky-cta {
    display: flex; position: fixed; left: 0; right: 0; bottom: 0; z-index: 40;
    background: var(--ink); padding: 10px var(--s4); gap: var(--s3);
    box-shadow: 0 -4px 20px rgba(0,0,0,.18); align-items: center;
  }
  body.has-sticky .sticky-cta .btn { flex: 1; }
  body.has-sticky .sticky-cta a.tel { color: #fff; display: inline-flex; align-items: center; gap: 8px; font-weight: 600; padding: 0 8px; }
  body.has-sticky .sticky-cta a.tel svg { width: 22px; height: 22px; color: var(--yellow); }
  body.has-sticky { padding-bottom: 70px; }
}

@media (max-width: 560px) {
  .grid-3, .pillars, .stats, .form-row, .prod-specs { grid-template-columns: 1fr; }
  .close-row { flex-direction: column; align-items: flex-start; }
  .hero__badges { gap: 16px; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .proscons table, .proscons thead, .proscons tbody, .proscons tr, .proscons th, .proscons td { display: block; width: 100%; }
  .proscons td + td, .proscons thead th + th { border-left: 0; }
  .proscons thead th { width: 100%; }
  /* wide comparison tables opt out of the stack and scroll instead (keep alignment) */
  .proscons--wide table { display: table; min-width: 620px; }
  .proscons--wide thead { display: table-header-group; }
  .proscons--wide tbody { display: table-row-group; }
  .proscons--wide tr { display: table-row; }
  .proscons--wide thead th, .proscons--wide td { display: table-cell; width: auto; }
  .proscons--wide thead th + th { border-left: 1px solid rgba(28,28,28,.12); }
  .proscons--wide td + td { border-left: 1px solid var(--line); }
}

/* ---------- 26. Reduced motion (mandatory) ---------- */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .001ms !important; animation-iteration-count: 1 !important; transition-duration: .001ms !important; }
  .reveal { opacity: 1; transform: none; }
  /* Sticky-header logo swap + compaction happen instantly (the * rule above zeroes their transitions). */
}

/* ==========================================================================
   23. FACETED RATE BROWSER (Blueprint Income-class, AnnuaLife skin)
   Server renders all rows + a populated filter bar; annualife.js block 12
   enhances (filter/sort/paginate/earnings/URL/projection). Card-rows, green
   owns the rate figure + active-filter tint, yellow-free pills stay outlined.
   ========================================================================== */
.rate-browser { --rb-line: var(--line); }
.rb__bar { display: flex; flex-wrap: wrap; gap: var(--s3); align-items: center; padding: var(--s4); background: var(--white); border: 1px solid var(--line); border-radius: var(--r-md); box-shadow: var(--sh1); }
.rb__filter { position: relative; }
.rb__pill { display: inline-flex; align-items: center; gap: 8px; font-family: var(--f-body); font-size: .9rem; font-weight: 600; color: var(--ink); background: var(--paper); border: 1px solid var(--line-2); border-radius: var(--r-pill); padding: 9px 16px; cursor: pointer; transition: background var(--t-fast), border-color var(--t-fast), color var(--t-fast); }
.rb__pill:hover { border-color: var(--clay); }
.rb__pill .rb__pill-lbl { color: var(--slate); font-weight: 700; font-size: .72rem; letter-spacing: .05em; text-transform: uppercase; }
.rb__pill b { font-weight: 700; }
.rb__pill.is-active { background: var(--clay-soft); border-color: var(--clay); color: var(--clay-deep); }
.rb__pill.is-active .rb__pill-lbl { color: var(--clay-deep); }
.rb__caret { display: inline-flex; }
.rb__caret svg { width: 15px; height: 15px; transition: transform var(--t-fast); }
.rb__pill[aria-expanded="true"] .rb__caret svg { transform: rotate(180deg); }
.rb__pop { position: absolute; top: calc(100% + 8px); left: 0; z-index: 40; min-width: 240px; max-width: 320px; background: var(--white); border: 1px solid var(--line-2); border-radius: var(--r2); box-shadow: var(--sh-glass); padding: var(--s4); }
.rb__pop[hidden] { display: none; }
.rb__pop--amount { min-width: 260px; }
.rb__search { width: 100%; font-family: var(--f-body); font-size: .9rem; padding: 9px 12px; border: 1px solid var(--line-2); border-radius: var(--r1); margin-bottom: var(--s3); background: var(--paper); color: var(--ink); }
.rb__opts { list-style: none; padding: 0; margin: 0; max-height: 240px; overflow-y: auto; display: flex; flex-direction: column; gap: 2px; }
.rb__opts li { margin: 0; }
.rb__opts label { display: flex; align-items: center; gap: 10px; font-size: .92rem; padding: 7px 8px; border-radius: var(--r1); cursor: pointer; }
.rb__opts label:hover { background: var(--clay-soft); }
.rb__opts input { accent-color: var(--clay); width: 16px; height: 16px; }
.rb__opts li[hidden] { display: none; }
.rb__amt { display: flex; flex-direction: column; gap: 6px; }
.rb__amt span { font-size: .72rem; font-weight: 700; letter-spacing: .05em; text-transform: uppercase; color: var(--slate); }
.rb__amt input { font-family: var(--f-display); font-size: 1.35rem; font-weight: 700; padding: 8px 12px; border: 1px solid var(--line-2); border-radius: var(--r1); background: var(--paper); color: var(--ink); }
.rb__pop-foot { display: flex; justify-content: space-between; align-items: center; gap: var(--s3); margin-top: var(--s3); padding-top: var(--s3); border-top: 1px solid var(--line); }
.rb__clear { background: none; border: none; font-family: var(--f-body); font-size: .85rem; font-weight: 600; color: var(--slate); cursor: pointer; padding: 4px; }
.rb__clear:hover { color: var(--clay); }
.rb__sortbox { display: inline-flex; align-items: center; gap: 8px; margin-left: auto; }
.rb__sortbox label { font-size: .72rem; font-weight: 700; letter-spacing: .05em; text-transform: uppercase; color: var(--slate); }
.rb__sortbox select { width: auto; font-family: var(--f-body); font-size: .9rem; font-weight: 600; padding: 9px 14px; border: 1px solid var(--line-2); border-radius: var(--r-pill); background: var(--paper); color: var(--ink); cursor: pointer; }
.rb__clearall { display: inline-flex; align-items: center; gap: 6px; background: none; border: none; font-family: var(--f-body); font-size: .85rem; font-weight: 600; color: var(--clay-deep); cursor: pointer; }
.rb__clearall svg { width: 14px; height: 14px; }
.rb__clearall[hidden] { display: none; }
.rb__meta { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: var(--s3); margin: var(--s5) 2px var(--s4); }
.rb__count { font-size: .92rem; color: var(--slate); }
.rb__count b { color: var(--ink); font-weight: 700; }
.rb__list { display: flex; flex-direction: column; gap: var(--s3); }
.rb-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--r3); box-shadow: var(--sh1); transition: box-shadow var(--t-base) var(--ease), transform var(--t-base) var(--ease); overflow: hidden; }
.rb-card:hover { box-shadow: var(--sh2); transform: translateY(-2px); }
.rb-card[hidden] { display: none; }
/* Item 6: top-rate + promoted (featured) treatment */
.rb-card__badge { display: inline-flex; align-items: center; gap: 6px; margin: 14px 0 -6px var(--s5); padding: 4px 12px; border-radius: var(--r-pill); font-family: var(--f-display); font-weight: 700; font-size: .7rem; letter-spacing: .05em; text-transform: uppercase; }
.rb-card__badge[hidden] { display: none; }
.rb-card--top { border-color: var(--clay); box-shadow: 0 0 0 1px var(--clay), var(--sh1); }
.rb-card--top .rb-card__badge { background: var(--clay-soft); color: var(--clay-deep); }
.rb-card--featured { border-color: var(--clay-deep); box-shadow: 0 0 0 1px var(--clay-deep), var(--sh1); }
.rb-card--featured .rb-card__badge { background: var(--clay-deep); color: #fff; }
/* Item 8: state personalization control + note */
.rb__statebox { display: inline-flex; align-items: center; gap: 8px; }
.rb__statebox label { font-size: .72rem; font-weight: 700; letter-spacing: .05em; text-transform: uppercase; color: var(--slate); }
.rb__statebox select { width: auto; font-family: var(--f-body); font-size: .9rem; font-weight: 600; padding: 9px 14px; border: 1px solid var(--line-2); border-radius: var(--r-pill); background: var(--paper); color: var(--ink); cursor: pointer; }
.rb__statenote { display: flex; align-items: center; gap: 8px; margin: 10px 0 0; font-size: .85rem; color: var(--slate); }
.rb__statenote[hidden] { display: none; }
.rb__statenote svg { width: 16px; height: 16px; color: var(--clay); flex-shrink: 0; }
.rb__statenote b { color: var(--ink); }

/* Item 7: application wizard (/apply/) */
.apply { max-width: 640px; margin: 0 auto; }
.apply__steps { display: flex; gap: var(--s2); list-style: none; padding: 0; margin: 0 0 var(--s6); font-family: var(--f-display); font-weight: 600; font-size: .9rem; }
.apply__steps li { display: flex; align-items: center; gap: 8px; color: var(--slate); flex: 1; }
.apply__steps li span { display: inline-flex; align-items: center; justify-content: center; width: 26px; height: 26px; border-radius: 50%; background: var(--white); border: 1.5px solid var(--line-2); color: var(--slate); font-size: .82rem; flex-shrink: 0; }
.apply__steps li.is-current { color: var(--ink); }
.apply__steps li.is-current span { background: var(--clay); border-color: var(--clay); color: #fff; }
.apply__steps li.is-done span { background: var(--clay-soft); border-color: var(--clay); color: var(--clay-deep); }
.apply__step { animation: applyFade .3s var(--ease); }
@keyframes applyFade { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: none; } }
.apply__summary { background: var(--sand); border: 1px solid var(--line); border-radius: var(--r-md); padding: var(--s6); margin-bottom: var(--s5); }
.apply__eyebrow { font-size: var(--fs-kicker); letter-spacing: .12em; text-transform: uppercase; color: var(--slate); font-weight: 700; }
.apply__prod { margin-top: 6px; }
.apply__prod b { font-family: var(--f-display); font-size: 1.3rem; color: var(--ink); display: block; line-height: 1.2; }
.apply__prod small { color: var(--slate); font-size: .95rem; }
.apply__facts { display: flex; flex-wrap: wrap; gap: var(--s6); margin-top: var(--s4); padding-top: var(--s4); border-top: 1px solid var(--line); }
.apply__fact span { display: block; font-size: .72rem; letter-spacing: .05em; text-transform: uppercase; color: var(--slate); font-weight: 700; }
.apply__fact b { font-family: var(--f-display); font-size: 1.15rem; color: var(--ink); }
.apply__fact[data-apply-fact-rate] b { color: var(--clay); }
.apply__amt { display: block; }
.apply__amt span { display: block; font-family: var(--f-display); font-weight: 600; font-size: 1.05rem; color: var(--ink); margin-bottom: 8px; }
.apply__amt input { width: 100%; font-family: var(--f-display); font-size: 1.5rem; font-weight: 700; height: 60px; padding: 0 16px; border-radius: var(--r-sm); border: 1.5px solid var(--line-2); background: var(--paper); color: var(--ink); }
.apply__amt input:focus { outline: none; border-color: var(--clay); }
.apply__note { font-size: .85rem; color: var(--slate); margin-top: 10px; }
.apply__h { font-family: var(--f-display); font-size: 1.4rem; color: var(--ink); margin-bottom: var(--s5); }
.apply__form .field__opt { color: var(--slate); font-weight: 400; }
.apply__err { color: #B42318; font-size: .9rem; font-weight: 600; margin-top: var(--s3); }
.apply__nav { display: flex; align-items: center; justify-content: space-between; gap: var(--s4); margin-top: var(--s6); }
.apply__nav > span { flex: 1; }
.apply__review { margin: 0; border: 1px solid var(--line); border-radius: var(--r-md); overflow: hidden; }
.apply__review div { display: flex; justify-content: space-between; gap: var(--s4); padding: 13px var(--s5); border-top: 1px solid var(--line); }
.apply__review div:first-child { border-top: 0; }
.apply__review dt { color: var(--slate); font-size: .9rem; margin: 0; }
.apply__review dd { margin: 0; font-weight: 600; color: var(--ink); text-align: right; }
.apply__honest { display: flex; align-items: flex-start; gap: 10px; margin-top: var(--s5); padding: var(--s4) var(--s5); background: var(--clay-soft); border-radius: var(--r-sm); font-size: .9rem; color: #245a44; }
.apply__honest svg { width: 20px; height: 20px; color: var(--clay-deep); flex-shrink: 0; }
.apply__success { text-align: center; }
.apply__check { display: inline-flex; width: 60px; height: 60px; border-radius: 50%; background: var(--clay-soft); color: var(--clay); align-items: center; justify-content: center; margin-bottom: var(--s4); }
.apply__check svg { width: 32px; height: 32px; }
.apply__done-cta { display: flex; flex-wrap: wrap; gap: 12px; justify-content: center; margin-top: var(--s5); }
.rb-card__main { display: grid; grid-template-columns: minmax(170px, 1.3fr) minmax(0, 3fr) minmax(150px, auto); gap: var(--s4); align-items: center; padding: var(--s5); }
.rb-card__insurer { display: flex; align-items: center; gap: var(--s3); }
.rb-mono { flex-shrink: 0; display: inline-flex; align-items: center; justify-content: center; width: 42px; height: 42px; border-radius: var(--r1); background: var(--clay-soft); color: var(--clay-deep); font-family: var(--f-display); font-weight: 700; font-size: .95rem; letter-spacing: .02em; }
/* Carrier logo tiles: padded white tile behind a self-hosted square mark. */
.rb-mono--logo { background: var(--white); box-shadow: inset 0 0 0 1px var(--line); overflow: hidden; }
.rb-mono--logo img { width: 100%; height: 100%; object-fit: contain; padding: 6px; box-sizing: border-box; display: block; }
/* Self-boxed marks fill the tile edge-to-edge (rounded corners clip them). */
.rb-mono--fill { background: none; box-shadow: none; }
.rb-mono--fill img { object-fit: cover; padding: 0; border-radius: inherit; }
.rb-card__id b { display: block; font-family: var(--f-display); font-weight: 700; font-size: 1.02rem; color: var(--ink); line-height: 1.2; }
.rb-card__id small { display: block; color: var(--slate); font-size: .82rem; margin-top: 2px; }
.rb-card__id small.rb-card__demo { display: inline-block; margin-top: 6px; padding: 1px 8px; border-radius: 999px; background: var(--clay-soft); color: var(--clay-deep); font-size: .72rem; font-weight: 600; letter-spacing: .01em; }
.rb-card__cells { display: flex; flex-wrap: wrap; gap: var(--s5); align-items: baseline; }
.rb-card__cell { display: flex; flex-direction: column; align-items: flex-start; gap: 3px; min-width: 62px; }
.rb-card__cell.rb-card__idx { min-width: 130px; flex: 1; }
.rb-lbl { font-size: .66rem; font-weight: 700; letter-spacing: .05em; text-transform: uppercase; color: var(--slate); }
.rb-card__cell .tnum, .rb-card__cell > span:not(.rb-lbl):not(.ambest):not(.rb-note) { font-size: .95rem; font-weight: 600; color: var(--ink); }
.rb-card__rate .rate { font-family: var(--f-display); font-size: 1.7rem; font-weight: 700; color: var(--clay); line-height: 1; }
.rb-note { font-size: .66rem; color: var(--slate); }
.rb-card__cta { display: flex; flex-direction: column; align-items: stretch; gap: 8px; }
.rb-card__cta .btn { justify-content: center; }
.rb-card__link { display: inline-flex; align-items: center; justify-content: center; gap: 5px; font-size: .82rem; font-weight: 600; color: var(--clay); background: none; border: 0; padding: 0; font-family: var(--f-body); cursor: pointer; text-decoration: none; }
.rb-card__link:hover { text-decoration: underline; }
.rb-card__toggle[aria-expanded="true"] { color: var(--clay-deep); text-decoration: underline; }
.rb-card__link svg { width: 15px; height: 15px; }
.rb-card__detail { border-top: 1px solid var(--line); padding: var(--s5); background: var(--sand-soft); }
.rb-card__detail[hidden] { display: none; }
/* Native promo slot inside the MYGA rate list. Quiet brand-yellow "ad" card, distinct
   from the green rate cards but not an error/warning. (CAA gold stays contained to the
   CAA band.) JS re-inserts it after the 4th card on page 1; see annualife.js. */
.rb-promo { display: flex; align-items: center; justify-content: space-between; gap: var(--s5); flex-wrap: wrap;
  background: linear-gradient(180deg, rgba(251,225,46,.18), rgba(251,225,46,.07)); border: 1px solid rgba(233,206,18,.55);
  border-left: 4px solid var(--yellow); border-radius: var(--r3); padding: var(--s5) var(--s5) var(--s5) var(--s6); }
.rb-promo[hidden] { display: none; }
.rb-promo__body { min-width: 0; flex: 1 1 320px; }
.rb-promo__eyebrow { display: inline-block; font-family: var(--f-display); font-weight: 700; font-size: .68rem; letter-spacing: .08em; text-transform: uppercase; color: var(--ink); margin-bottom: 6px; }
.rb-promo__text { color: var(--ink); font-size: .95rem; line-height: 1.45; max-width: 62ch; margin: 0; }
.rb-promo__cta { flex: none; }
.rb-promo__cta svg { width: 15px; height: 15px; }
.rb-proj { width: 100%; border-collapse: collapse; font-variant-numeric: tabular-nums; }
.rb-proj caption { text-align: left; font-family: var(--f-display); font-weight: 700; font-size: 1rem; color: var(--ink); margin-bottom: var(--s3); }
.rb-proj th, .rb-proj td { text-align: right; padding: 8px 12px; font-size: .88rem; border-bottom: 1px solid var(--line); }
.rb-proj th:first-child, .rb-proj td:first-child { text-align: left; }
.rb-proj thead th { font-size: .66rem; font-weight: 700; letter-spacing: .05em; text-transform: uppercase; color: var(--slate); }
.rb-proj tbody tr:last-child td { border-bottom: none; }
.rb-proj tfoot td { font-weight: 700; color: var(--ink); border-top: 2px solid var(--line-2); border-bottom: none; }
.rb-bars { display: flex; align-items: flex-end; gap: 6px; height: 90px; margin: var(--s4) 0 var(--s2); }
.rb-bars .rb-bar { flex: 1; background: var(--clay); border-radius: 4px 4px 0 0; min-height: 4px; opacity: .9; }
.rb-proj__note { font-size: .72rem; color: var(--slate); margin-top: var(--s3); }
.rb__empty { text-align: center; padding: var(--s8) var(--s5); background: var(--white); border: 1px dashed var(--line-2); border-radius: var(--r3); }
.rb__empty[hidden] { display: none; }
.rb__empty p { max-width: 46ch; margin: 0 auto var(--s4); color: var(--slate); }
.rb__empty-cta { display: inline-flex; gap: var(--s3); flex-wrap: wrap; justify-content: center; }
.rb__pager { display: flex; flex-wrap: wrap; gap: 6px; justify-content: center; margin-top: var(--s5); }
.rb__pager:empty { display: none; }
.rb__pager button { min-width: 38px; height: 38px; font-family: var(--f-body); font-size: .9rem; font-weight: 600; color: var(--ink); background: var(--white); border: 1px solid var(--line-2); border-radius: var(--r1); cursor: pointer; padding: 0 10px; }
.rb__pager button:hover { border-color: var(--clay); }
.rb__pager button.is-active { background: var(--clay); border-color: var(--clay); color: #fff; }
.rb__pager button[disabled] { opacity: .4; cursor: default; }
.rate-browser + .rates-note { margin-top: var(--s4); }

@media (max-width: 680px) {
  .rb__bar { flex-direction: column; align-items: stretch; }
  .rb__filter, .rb__sortbox { width: 100%; }
  .rb__pill { width: 100%; justify-content: space-between; }
  .rb__pop { position: static; min-width: 0; max-width: none; margin-top: 8px; box-shadow: none; }
  .rb__sortbox { justify-content: space-between; margin-left: 0; }
  .rb__sortbox select { flex: 1; }
  .rb-card__main { grid-template-columns: 1fr; gap: var(--s4); }
  .rb-card__cells { display: grid; grid-template-columns: repeat(2, 1fr); gap: var(--s4); }
  .rb-card__cta .btn { width: 100%; }
  .rb-promo { align-items: stretch; }
  .rb-promo__cta { width: 100%; justify-content: center; }
}

/* Product-detail standalone projection ([data-proj]) */
.proj { background: var(--white); border: 1px solid var(--line); border-radius: var(--r3); padding: var(--s5); box-shadow: var(--sh1); margin: var(--s4) 0; }
.proj__head { display: flex; justify-content: space-between; align-items: flex-end; flex-wrap: wrap; gap: var(--s4); margin-bottom: var(--s4); }
.proj__head h3 { font-size: 1.2rem; }
.proj__amt { display: flex; flex-direction: column; gap: 6px; }
.proj__amt span { font-size: .66rem; font-weight: 700; letter-spacing: .05em; text-transform: uppercase; color: var(--slate); }
.proj__amt input { font-family: var(--f-display); font-size: 1.2rem; font-weight: 700; padding: 8px 12px; border: 1px solid var(--line-2); border-radius: var(--r1); background: var(--paper); color: var(--ink); width: 160px; max-width: 100%; }

/* =========================================================================
   V3 HOMEPAGE (home-2026-07 concept, ported): type-first editorial hero +
   proof rail, honest-premise belief trio, six-door router two-up lanes,
   editorial rate-table head, numbered how-it-works + quiz-preview aside,
   photo why-different feature. Reuses the shared tokens/components; only the
   treatments below are new. See concepts/home-2026-07/v3/.
   ========================================================================= */

/* --- type-first hero on a soft paper wash --- */
.v2hero { background: var(--sand); border-bottom: 1px solid var(--line); }
.v2hero .wrap { max-width: 1080px; }
.v2hero__inner { padding-block: clamp(48px, 6vw, 96px); max-width: 940px; }
.v2hero .kicker { color: var(--clay); }
.v2hero__title { font-size: clamp(2.7rem, 1.1rem + 6vw, 4.6rem); line-height: 1.03; letter-spacing: -0.025em; font-weight: 700; }
.v2hero__title em { font-style: normal; position: relative; white-space: nowrap; }
.v2hero__title em::after { content: ""; position: absolute; left: 0; right: 0; bottom: .07em; height: .3em; background: var(--yellow); border-radius: 3px; z-index: -1; }
.v2hero__lead { margin-top: 22px; max-width: 60ch; font-size: var(--fs-lead); line-height: 1.6; color: var(--slate); }
.v2hero__cta { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; align-items: center; }
.v2hero__phone { display: inline-flex; align-items: center; gap: 9px; color: var(--ink); font-weight: 600; }
.v2hero__phone svg { width: 19px; height: 19px; color: var(--clay); }
.v2hero__phone b { font-family: var(--f-display); font-variant-numeric: tabular-nums; }

/* editorial proof rail: hairline-divided facts, ledger feel */
.v2rail { display: flex; flex-wrap: wrap; gap: 0; margin-top: 40px; border-top: 1px solid var(--line-2); }
.v2rail__item { padding: 22px 40px 4px 0; margin-right: 40px; border-right: 1px solid var(--line-2); }
.v2rail__item:last-child { border-right: 0; margin-right: 0; }
.v2rail__n { font-family: var(--f-display); font-size: clamp(1.8rem, 1.2rem + 1.6vw, 2.4rem); font-weight: 700; letter-spacing: -.02em; color: var(--clay); line-height: 1; font-variant-numeric: tabular-nums; }
.v2rail__l { font-size: .88rem; color: var(--slate); margin-top: 8px; max-width: 22ch; }
.v2rail__stamp { width: 100%; margin-top: 22px; }

/* honest-premise statement + belief trio (ledger rules) */
.v3believe__lead { max-width: 940px; margin-bottom: clamp(38px, 4.5vw, 60px); }
.v3believe__statement { font-family: var(--f-display); font-weight: 500; font-size: clamp(1.55rem, 1.05rem + 2vw, 2.4rem); line-height: 1.28; letter-spacing: -.01em; color: var(--ink); margin-top: 6px; }
.v3believe__statement em { font-style: normal; position: relative; white-space: nowrap; }
.v3believe__statement em::after { content: ""; position: absolute; left: 0; right: 0; bottom: .06em; height: .28em; background: var(--yellow); border-radius: 3px; z-index: -1; }
.v3beliefs { display: grid; grid-template-columns: repeat(3, 1fr); gap: clamp(24px, 3vw, 46px); }
.v3belief { border-top: 2px solid var(--ink); padding-top: 22px; }
.v3belief__ico { width: 48px; height: 48px; border-radius: 14px; background: var(--clay-soft); color: var(--clay); display: grid; place-items: center; margin-bottom: 18px; }
.v3belief__ico svg { width: 25px; height: 25px; }
.v3belief h3 { font-size: 1.3rem; margin-bottom: 9px; }
.v3belief p { color: var(--slate); font-size: .98rem; line-height: 1.62; }

/* six-door router: two-up learn/person lanes (bordered, not slabs) */
.v1twoup { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-top: 24px; }
.v1lane { display: flex; flex-direction: column; gap: 12px; padding: clamp(26px, 3vw, 38px); border-radius: var(--r-lg); border: 1px solid var(--line); background: var(--white); box-shadow: var(--sh1); transition: transform var(--t-base) var(--ease), box-shadow var(--t-base) var(--ease); color: var(--ink); }
.v1lane:hover { transform: translateY(-4px); box-shadow: var(--sh2); color: var(--ink); }
.v1lane--accent { background: var(--clay-soft); border-color: transparent; }
.v1lane__ico { width: 52px; height: 52px; border-radius: 14px; background: #fff; color: var(--clay); display: grid; place-items: center; border: 1px solid var(--line); }
.v1lane--accent .v1lane__ico { border-color: rgba(24,178,111,.25); }
.v1lane__ico svg { width: 26px; height: 26px; }
.v1lane h3 { font-size: 1.4rem; }
.v1lane p { color: var(--slate); font-size: .96rem; }
.v1lane .link-arrow { margin-top: 4px; }

/* editorial rate-table head (split copy left, stamp right) */
.v2rates-head { display: flex; justify-content: space-between; align-items: flex-end; flex-wrap: wrap; gap: 16px; margin-bottom: var(--s5); }

/* editorial numbered how-it-works, green numerals */
.v2steps { max-width: 760px; counter-reset: v2s; }
.v2srow { display: grid; grid-template-columns: 64px 1fr; gap: var(--s5); align-items: start; padding-block: var(--s6); border-top: 1px solid var(--line); }
.v2srow:first-child { border-top: 0; }
.v2snum { counter-increment: v2s; font-family: var(--f-display); font-weight: 700; font-size: 2rem; color: var(--clay); line-height: 1; font-variant-numeric: tabular-nums; }
.v2snum::before { content: counter(v2s, decimal-leading-zero); }
.v2srow h3 { font-size: 1.35rem; margin-bottom: 6px; }
.v2srow p { color: var(--slate); font-size: 1rem; line-height: 1.65; max-width: 58ch; }

/* how-it-works layout: steps + sticky quiz-preview aside */
.v3match { display: grid; grid-template-columns: 1fr .82fr; gap: clamp(36px, 5vw, 72px); align-items: start; }
.v3match__steps { min-width: 0; }
.v3match__aside { position: sticky; top: 96px; }
.quizmock { background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); box-shadow: var(--sh2); padding: clamp(22px, 2.4vw, 30px); }
.quizmock__top { display: flex; justify-content: space-between; align-items: center; gap: 12px; }
.quizmock__tag { font-size: .72rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--clay); display: inline-flex; align-items: center; gap: 7px; }
.quizmock__tag svg { width: 15px; height: 15px; }
.quizmock__step { font-size: .78rem; color: var(--slate); font-weight: 600; font-variant-numeric: tabular-nums; }
.quizmock__bar { height: 6px; border-radius: 999px; background: var(--sand); margin: 14px 0 22px; overflow: hidden; }
.quizmock__bar i { display: block; height: 100%; width: 50%; background: var(--clay); border-radius: 999px; }
.quizmock__q { font-family: var(--f-display); font-weight: 700; font-size: 1.16rem; line-height: 1.3; margin-bottom: 16px; }
.quizmock__opts { display: flex; flex-direction: column; gap: 10px; }
.quizmock__opt { display: flex; align-items: center; gap: 12px; padding: 13px 15px; border: 1.5px solid var(--line-2); border-radius: var(--r-sm); font-size: .96rem; font-weight: 500; color: var(--ink); background: #fff; }
.quizmock__opt .rd { width: 20px; height: 20px; border-radius: 50%; border: 2px solid var(--line-2); flex-shrink: 0; display: grid; place-items: center; }
.quizmock__opt.is-sel { border-color: var(--clay); background: var(--clay-soft); font-weight: 600; }
.quizmock__opt.is-sel .rd { border-color: var(--clay); }
.quizmock__opt.is-sel .rd::after { content: ""; width: 10px; height: 10px; border-radius: 50%; background: var(--clay); }
.quizmock__cont { margin-top: 20px; }
.quizmock__result { margin-top: 22px; padding-top: 20px; border-top: 1px solid var(--line); display: flex; align-items: center; gap: 14px; }
.quizmock__avatar { width: 46px; height: 46px; border-radius: 50%; background: var(--clay-soft); color: var(--clay-deep); display: grid; place-items: center; font-family: var(--f-display); font-weight: 700; flex-shrink: 0; border: 1px solid var(--line); }
.quizmock__who b { display: block; font-family: var(--f-display); font-size: 1rem; color: var(--ink); }
.quizmock__who > span { font-size: .82rem; color: var(--slate); }
.quizmock__verify { display: inline-flex; align-items: center; gap: 6px; margin-top: 5px; font-size: .76rem; font-weight: 700; color: var(--clay-deep); }
.quizmock__verify svg { width: 14px; height: 14px; }
.quizmock__foot { margin-top: 16px; font-size: .76rem; color: var(--slate); text-align: center; }

@media (max-width: 980px) {
  .v3match { grid-template-columns: 1fr; gap: 40px; }
  .v3match__aside { position: static; max-width: 460px; }
}
@media (max-width: 960px) {
  .v1twoup { grid-template-columns: 1fr; }
}
@media (max-width: 760px) {
  .v3beliefs { grid-template-columns: 1fr; gap: 0; }
  .v3belief { border-top: 1px solid var(--line); padding-block: 24px; }
  .v3belief:first-child { border-top: 2px solid var(--ink); }
  .v3belief__ico { margin-bottom: 14px; }
}
@media (max-width: 620px) {
  .v2rail__item { padding-right: 22px; margin-right: 22px; }
}

/* =========================================================================
   MYGA RATE BROWSER v2  (rates/myga/ hub + term subpages ONLY)
   Port of the locked concept design-concepts/myga-rates/page-c. Every rule
   is namespaced under .myga-v2 so nothing leaks to pages sharing this file.
   Reuses global .btn, .stamp, .rb-lbl, .link-arrow, .rb-promo, .rb__empty,
   .rb__pager, .rates-note, .tnum. Brand green #18B26F on button faces only;
   darker green is hover/text only. Light surfaces throughout.
   ========================================================================= */
.myga-v2 [hidden] { display: none !important; }
.myga-v2 { margin-top: 8px; }
.myga-v2 .f-lbl { display: block; font-size: .68rem; font-weight: 700; letter-spacing: .09em; text-transform: uppercase; margin-bottom: 6px; color: var(--slate); }
.myga-v2 .amt-field { display: flex; align-items: center; border-radius: 12px; overflow: hidden; }
.myga-v2 .amt-field span { font-weight: 700; padding-left: 14px; }
.myga-v2 .amt-field input { border: 0; background: transparent; font-family: var(--f-display); font-weight: 700; font-size: 1.02rem; font-variant-numeric: tabular-nums; width: 100%; padding: 0 14px 0 6px; color: inherit; min-width: 0; }
.myga-v2 .amt-field input:focus { outline: none; }
.myga-v2 .lf-amt { border: 1.5px solid var(--line-2); background: #fff; height: 52px; color: var(--ink); }
.myga-v2 .lf-amt span { color: var(--clay-deep); }
.myga-v2 .lf-amt:focus-within { border-color: var(--clay); box-shadow: 0 0 0 3px var(--clay-soft); }
.myga-v2 .lf-sel { appearance: none; width: 100%; height: 52px; border: 1.5px solid var(--line-2); border-radius: 12px; background: #fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%235C6166' stroke-width='2' stroke-linecap='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E") no-repeat right 13px center/16px; font-family: var(--f-display); font-weight: 600; font-size: .95rem; color: var(--ink); padding: 0 36px 0 14px; cursor: pointer; text-overflow: ellipsis; }
.myga-v2 .lf-sel:hover { border-color: var(--slate); }
.myga-v2 .lf-sel:focus-visible { outline: 2px solid var(--clay); outline-offset: 2px; }

/* two-row filter bar */
.myga-v2 .s2 { background: #fff; border: 1px solid var(--hairline); border-radius: var(--r3); box-shadow: var(--sh1); padding: 22px 24px 16px; }
.myga-v2 .s2__r1 { display: grid; grid-template-columns: 1.35fr 1fr auto; gap: 16px; align-items: end; }
.myga-v2 .s2__r1 .lf-amt { height: 56px; }
.myga-v2 .s2__r1 .amt-field input { font-size: 1.15rem; }
.myga-v2 .s2__r1 .lf-sel { height: 56px; font-size: 1rem; }
.myga-v2 .s2__go { height: 56px; padding-inline: 28px; }
.myga-v2 .s2__r2 { display: grid; grid-template-columns: 1fr 1.15fr 1fr auto; gap: 14px; align-items: end; margin-top: 14px; padding-top: 14px; border-top: 1px solid var(--hairline); }
.myga-v2 .s2__r2 .lf-sel { height: 46px; font-size: .9rem; }
.myga-v2 .s2__clear { height: 46px; font-size: .88rem; font-weight: 600; font-family: var(--f-display); color: var(--slate); background: none; border: 0; cursor: pointer; text-decoration: underline; text-underline-offset: 3px; }
.myga-v2 .s2__clear:hover { color: var(--ink); }
.myga-v2 .bar-meta { display: flex; justify-content: space-between; gap: 12px; flex-wrap: wrap; align-items: center; margin-top: 14px; padding-top: 12px; border-top: 1px solid var(--hairline); font-size: .82rem; color: var(--slate); }
.myga-v2 .bar-meta b { color: var(--ink); }
.myga-v2 .bar-meta .stamp { font-size: .82rem; }
.myga-v2 .bar-meta svg { width: 15px; height: 15px; color: var(--clay); }
.myga-v2 .vseg-wrap { display: inline-flex; align-items: center; gap: 10px; }
.myga-v2 .vseg-wrap .f-lbl { margin-bottom: 0; }
.myga-v2 .vseg { display: inline-flex; background: var(--sand); border-radius: var(--r-pill); padding: 3px; gap: 2px; }
.myga-v2 .vseg__btn { appearance: none; border: 0; background: transparent; display: inline-flex; align-items: center; gap: 7px; height: 34px; padding: 0 14px; border-radius: var(--r-pill); font-family: var(--f-display); font-weight: 600; font-size: .85rem; color: var(--slate); cursor: pointer; transition: background var(--t-fast), color var(--t-fast), box-shadow var(--t-fast); }
.myga-v2 .vseg__btn svg { width: 15px; height: 15px; }
.myga-v2 .vseg__btn:hover { color: var(--ink); }
.myga-v2 .vseg__btn.is-on { background: #fff; color: var(--clay-deep); font-weight: 700; box-shadow: 0 1px 3px rgba(20,22,20,.14); }

/* unboxed highest-locks trio (hub only) */
.myga-v2 .locks3 { margin-top: 38px; }
.myga-v2 .locks__head { display: flex; align-items: baseline; justify-content: space-between; gap: 14px; flex-wrap: wrap; padding-bottom: 10px; border-bottom: 2px solid var(--ink); }
.myga-v2 .locks__head h2 { font-size: 1.35rem; font-weight: 700; }
.myga-v2 .locks__head small { font-size: .85rem; color: var(--slate); }
.myga-v2 .lk3-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin-top: 20px; }
.myga-v2 .lk { display: flex; flex-direction: column; background: #fff; border: 1px solid var(--hairline); border-radius: 16px; box-shadow: var(--sh1); padding: 22px 22px 20px; transition: box-shadow var(--t-base) var(--ease), transform var(--t-base) var(--ease); }
.myga-v2 .lk:hover { box-shadow: var(--sh2); transform: translateY(-2px); }
.myga-v2 .lk--top { border: 2px solid var(--clay); padding: 21px 21px 19px; }
.myga-v2 .lk__pill { align-self: flex-start; background: var(--clay-soft); color: var(--clay-deep); font-size: .66rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; border-radius: var(--r-pill); padding: 5px 13px; margin-bottom: 12px; white-space: nowrap; }
.myga-v2 .lk__raterow { display: flex; align-items: center; justify-content: space-between; gap: 12px; }
.myga-v2 .lk__raterow .lk__rate { flex-shrink: 0; }
.myga-v2 .lk__rate { font-size: 2.85rem; font-weight: 700; color: var(--clay-deep); line-height: 1; letter-spacing: -.02em; }
.myga-v2 .lk__am { background: var(--sand); color: var(--ink); flex-shrink: 0; }
.myga-v2 .lk__am svg { color: var(--clay-deep); }
.myga-v2 .lk__kicker { font-size: .72rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--slate); margin-top: 8px; }
.myga-v2 .lk__id { display: flex; align-items: center; gap: 12px; margin-top: 16px; padding-top: 16px; border-top: 1px solid var(--hairline); }
.myga-v2 .lk__id b { display: block; font-size: 1.02rem; line-height: 1.25; }
.myga-v2 .lk__id small { color: var(--slate); font-size: .85rem; display: block; line-height: 1.4; }
.myga-v2 .lk__facts { display: grid; gap: 9px; margin-top: 14px; }
.myga-v2 .lk__facts > div { display: flex; justify-content: space-between; align-items: baseline; gap: 14px; font-size: .92rem; }
.myga-v2 .lk__facts span { color: var(--slate); }
.myga-v2 .lk__facts b { font-weight: 700; }
.myga-v2 .lk .btn { margin-top: 18px; width: 100%; }

/* shared identity + fact atoms */
.myga-v2 .mono-tile { width: 42px; height: 42px; border-radius: 12px; background: var(--clay-soft); color: var(--clay-deep); display: grid; place-items: center; font-weight: 800; font-size: .92rem; flex-shrink: 0; }
.myga-v2 .mono-tile--logo { background: var(--white); box-shadow: inset 0 0 0 1px var(--line); overflow: hidden; }
.myga-v2 .mono-tile--logo img { width: 100%; height: 100%; object-fit: contain; padding: 6px; box-sizing: border-box; display: block; }
.myga-v2 .mono-tile--fill { background: none; box-shadow: none; }
.myga-v2 .mono-tile--fill img { object-fit: cover; padding: 0; border-radius: inherit; }
.myga-v2 .am-chip { display: inline-flex; align-items: center; gap: 7px; border-radius: var(--r-pill); padding: 6px 14px; font-size: .78rem; font-weight: 700; white-space: nowrap; }
.myga-v2 .am-chip svg { width: 14px; height: 14px; }
.myga-v2 .am-chip--sm { padding: 3px 10px; font-size: .7rem; gap: 5px; }
.myga-v2 .am-chip--sm svg { width: 12px; height: 12px; }
.myga-v2 .best-tag { display: inline-block; margin-left: 8px; vertical-align: 2px; background: var(--clay); color: #fff; font-size: .62rem; font-weight: 800; letter-spacing: .06em; text-transform: uppercase; border-radius: var(--r-pill); padding: 2.5px 9px; }
.myga-v2 .cell .rb-lbl { display: block; font-size: .66rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--slate); margin-bottom: 3px; }
.myga-v2 .cell b { font-size: 1rem; font-weight: 700; }
.myga-v2 .meta-line { display: flex; justify-content: space-between; align-items: center; gap: 16px; flex-wrap: wrap; margin: 26px 0 6px; font-size: .88rem; color: var(--slate); }
.myga-v2 .meta-line b { color: var(--ink); }
.myga-v2 .sortw { display: inline-flex; align-items: center; gap: 9px; }
.myga-v2 .sortw .f-lbl { margin-bottom: 0; }
.myga-v2 .sortw .lf-sel { height: 42px; width: auto; font-size: .88rem; padding: 0 34px 0 12px; }

/* uniform v2 list card (locked card-v2 Section A anatomy) */
.myga-v2 .u2 { position: relative; background: #fff; border: 1px solid var(--hairline); border-radius: var(--r3); box-shadow: var(--sh1); margin-top: 18px; }
.myga-v2 .rb-promo { margin-top: 18px; }
.myga-v2 .u2--top { border-color: var(--clay); box-shadow: 0 0 0 1px var(--clay), var(--sh1); }
.myga-v2 .u2.is-sel { background: var(--sand-soft); border-color: var(--clay); box-shadow: 0 0 0 1px var(--clay), var(--sh1); }
.myga-v2 .u2__head { display: flex; align-items: center; justify-content: space-between; gap: 18px; padding: 22px 24px 18px; }
.myga-v2 .u2__rateblk { display: flex; flex-direction: column; justify-content: center; align-items: flex-end; text-align: right; flex-shrink: 0; }
.myga-v2 .u2__foot { display: flex; align-items: center; gap: 14px 34px; flex-wrap: wrap; padding: 15px 24px 17px; border-top: 1px solid var(--hairline); }
.myga-v2 .u2__foot .cv-ctas { margin-left: auto; }
.myga-v2 .cv-rate { display: block; font-size: 2.6rem; font-weight: 700; color: var(--clay-deep); line-height: .95; letter-spacing: -.02em; }
.myga-v2 .cv-kick { display: block; font-size: .68rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--slate); margin-top: 7px; }
.myga-v2 .cv-id { display: flex; align-items: center; gap: 12px; min-width: 0; }
.myga-v2 .cv-id b { display: block; font-size: 1.05rem; line-height: 1.25; }
.myga-v2 .cv-id small { color: var(--slate); font-size: .85rem; display: block; line-height: 1.4; }
.myga-v2 .cv-ctas { display: flex; align-items: center; gap: 14px; flex-wrap: wrap; }
.myga-v2 .cv-ctas .link-arrow { font-size: .88rem; color: var(--clay-deep); }
.myga-v2 .cv-ctas .link-arrow svg { width: 15px; height: 15px; }
.myga-v2 .btn--row { background: transparent; color: var(--clay-deep); border-color: transparent; box-shadow: inset 0 0 0 1.5px var(--clay); }
.myga-v2 .btn--row:hover { background: var(--clay); color: #fff; box-shadow: inset 0 0 0 1.5px var(--clay); }
.myga-v2 .mk2__why { margin: 0; border-top: 1px solid var(--hairline); background: var(--sand-soft); border-radius: 0 0 19px 19px; padding: 13px 24px 15px; font-size: .88rem; line-height: 1.55; color: var(--slate); }
.myga-v2 .mk2__why b { color: var(--ink); }

/* compare toggle (Bc: "+ Compare" flips to "Added") */
.myga-v2 .cell--cmp .cmp-ctl { display: flex; align-items: center; min-height: 26px; }
.myga-v2 .cmp-t2 { position: relative; display: inline-flex; align-items: center; font-family: var(--f-display); font-weight: 700; font-size: .85rem; letter-spacing: .01em; color: var(--clay-deep); cursor: pointer; user-select: none; }
.myga-v2 .cmp-t2 input { position: absolute; inset: 0; opacity: 0; cursor: pointer; margin: 0; }
.myga-v2 .cmp-t2 span { pointer-events: none; }
.myga-v2 .cmp-t2 .t-a, .myga-v2 .cmp-t2 .t-b { display: inline-flex; align-items: center; gap: 6px; }
.myga-v2 .cmp-t2 svg { width: 14px; height: 14px; }
.myga-v2 .cmp-t2 .t-b { display: none; }
.myga-v2 .cmp-t2 input:checked ~ .t-a { display: none; }
.myga-v2 .cmp-t2 input:checked ~ .t-b { display: inline-flex; }
.myga-v2 .cmp-t2:hover { color: #0B6640; }
.myga-v2 .cmp-t2 input:disabled ~ span { opacity: .45; }
.myga-v2 .cmp-t2 input:focus-visible ~ span { outline: 2px solid var(--clay); outline-offset: 3px; border-radius: 4px; }

/* the four C2 merchandising badges */
.myga-v2 .mbadge { position: absolute; top: -13px; left: 22px; z-index: 2; display: inline-flex; align-items: center; gap: 7px; background: var(--ink); color: var(--yellow); font-size: .64rem; font-weight: 800; letter-spacing: .09em; text-transform: uppercase; border-radius: var(--r-pill); padding: 5px 13px; white-space: nowrap; }
.myga-v2 .sch2 .mbadge--arate { background: #1E3A5F; color: #fff; }
.myga-v2 .sch2 .mbadge--lowmin { background: #F3E1D6; color: #84492E; }

/* ledger view */
.myga-v2 .lg { background: #fff; border: 1px solid var(--hairline); border-radius: 16px; box-shadow: var(--sh1); margin-top: 14px; }
.myga-v2 .lg > :first-child { border-radius: 15px 15px 0 0; }
.myga-v2 .lg > :last-child { border-radius: 0 0 15px 15px; }
.myga-v2 .lg__cols { display: grid; grid-template-columns: 24px minmax(226px,1.6fr) 90px 100px 72px 116px 138px 112px; gap: 14px; align-items: center; padding: 12px 20px; font-size: .68rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--slate); border-bottom: 1px solid var(--hairline); background: #fff; position: sticky; top: 60px; z-index: 30; box-shadow: 0 6px 14px rgba(20,22,20,.06); }
.myga-v2 .lg-row { display: grid; grid-template-columns: 24px minmax(226px,1.6fr) 90px 100px 72px 116px 138px 112px; gap: 14px; align-items: center; padding: 13px 20px; border-top: 1px solid var(--hairline); transition: background var(--t-fast); }
.myga-v2 .lg-row:first-of-type { border-top: 0; }
.myga-v2 .lg-row:hover { background: var(--clay-soft); }
.myga-v2 .lg-row--best { background: var(--sand-soft); box-shadow: inset 3px 0 0 var(--clay); }
.myga-v2 .lg-row--best:hover { background: var(--sand-soft); }
.myga-v2 .lg-row.is-sel { background: var(--sand-soft); box-shadow: inset 3px 0 0 var(--clay); }
.myga-v2 .c-name b { display: block; font-size: .96rem; line-height: 1.25; }
.myga-v2 .c-name small { color: var(--slate); font-size: .8rem; display: block; line-height: 1.4; }
.myga-v2 .c-name .mob-meta { display: none; }
.myga-v2 .c-am span { display: inline-flex; border-radius: 8px; padding: 3px 10px; font-size: .8rem; font-weight: 700; }
.myga-v2 .c-am .t-a { background: var(--clay-soft); color: var(--clay-deep); }
.myga-v2 .c-am .t-b { background: var(--sand); color: var(--ink); }
.myga-v2 .c-rate { font-size: 1.18rem; font-weight: 700; color: var(--clay-deep); }
.myga-v2 .c-term, .myga-v2 .c-min { font-weight: 600; font-size: .92rem; }
.myga-v2 .c-growth { font-weight: 600; font-size: .92rem; }
.myga-v2 .c-growth small { display: block; font-weight: 400; font-size: .72rem; color: var(--slate); }
.myga-v2 .c-cta .btn { width: 100%; }
.myga-v2 .lg-note { padding: 14px 20px; border-top: 1px solid var(--hairline); font-size: .82rem; color: var(--slate); background: var(--sand); }
.myga-v2 .lg-promo { display: flex; align-items: center; justify-content: space-between; gap: 16px; flex-wrap: wrap; margin: 14px 20px; background: linear-gradient(180deg, rgba(251,225,46,.18), rgba(251,225,46,.07)); border: 1px solid rgba(233,206,18,.55); border-left: 4px solid var(--yellow); border-radius: 12px; padding: 16px 20px; }
.myga-v2 .lg-promo p { font-size: .9rem; max-width: 60ch; margin: 0; color: var(--ink); }
.myga-v2 .rlg__chk { position: relative; width: 22px; height: 22px; flex-shrink: 0; }
.myga-v2 .rlg__chk input { position: absolute; inset: 0; opacity: 0; cursor: pointer; }
.myga-v2 .rlg__chk i { position: absolute; inset: 0; border: 2px solid var(--clay); border-radius: 6px; background: #fff; display: grid; place-items: center; color: #fff; transition: background var(--t-fast), border-color var(--t-fast); }
.myga-v2 .rlg__chk i svg { width: 13px; height: 13px; stroke-width: 3; }
.myga-v2 .rlg__chk input:hover + i { background: var(--clay-soft); }
.myga-v2 .rlg__chk input:checked + i { background: var(--clay); border-color: var(--clay); }
.myga-v2 .rlg__chk input:focus-visible + i { outline: 2px solid var(--clay); outline-offset: 2px; }
.myga-v2 .rlg__clear { font-size: .88rem; font-weight: 600; font-family: var(--f-display); color: var(--slate); background: none; border: 0; cursor: pointer; text-decoration: underline; text-underline-offset: 3px; }
.myga-v2 .rlg__clear:hover { color: var(--ink); }

/* compare tray + side-by-side modal */
.myga-v2 .cmp-tray { position: fixed; left: 50%; bottom: 18px; transform: translateX(-50%); z-index: 90; display: flex; align-items: center; gap: 14px; background: #fff; border: 1px solid var(--line-2); border-radius: var(--r-pill); padding: 8px 8px 8px 20px; box-shadow: var(--sh2); max-width: calc(100vw - 24px); }
.myga-v2 .cmp-tray p { font-size: .92rem; white-space: nowrap; margin: 0; }
.myga-v2 .cmp-tray p b { color: var(--clay-deep); }
.myga-v2 .cmp-tray__monos { display: flex; gap: 4px; }
.myga-v2 .cmp-tray__monos span { width: 30px; height: 30px; border-radius: 9px; background: var(--clay-soft); color: var(--clay-deep); display: grid; place-items: center; font-weight: 800; font-size: .72rem; }
.myga-v2 .cmp-tray .btn:disabled { opacity: .55; cursor: not-allowed; }
.myga-v2 .cmp-overlay { position: fixed; inset: 0; z-index: 120; background: rgba(28,28,28,.5); display: grid; place-items: center; padding: 18px; }
.myga-v2 .cmp-panel { background: #fff; border-radius: var(--r3); box-shadow: var(--sh2); width: min(1000px, 100%); max-height: 88vh; overflow: auto; padding: 24px 26px 26px; }
.myga-v2 .cmp-panel__head { display: flex; align-items: center; justify-content: space-between; gap: 14px; margin-bottom: 8px; }
.myga-v2 .cmp-panel__head h2 { font-size: 1.3rem; }
.myga-v2 .cmp-close { width: 38px; height: 38px; border-radius: 50%; border: 1.5px solid var(--line-2); background: #fff; display: grid; place-items: center; cursor: pointer; transition: border-color var(--t-fast); }
.myga-v2 .cmp-close:hover { border-color: var(--ink); }
.myga-v2 .cmp-close svg { width: 16px; height: 16px; }
.myga-v2 .cmp-grid { display: grid; grid-template-columns: 118px repeat(var(--n), minmax(158px, 1fr)); min-width: 560px; }
.myga-v2 .cmp-cell { padding: 12px 14px; border-top: 1px solid var(--hairline); font-size: .92rem; min-width: 0; }
.myga-v2 .cmp-cell--h { border-top: 0; padding-top: 16px; }
.myga-v2 .cmp-lbl { font-size: .68rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--slate); align-self: center; }
.myga-v2 .cmp-id b { display: block; font-size: .95rem; line-height: 1.25; margin-top: 10px; text-wrap: balance; }
.myga-v2 .cmp-id small { color: var(--slate); font-size: .8rem; display: block; line-height: 1.4; }
.myga-v2 .cmp-rate { font-size: 1.7rem; font-weight: 700; color: var(--clay-deep); letter-spacing: -.02em; margin-right: 8px; }
.myga-v2 .cmp-note { margin-top: 14px; font-size: .78rem; color: var(--slate); }

/* responsive */
@media (max-width: 1100px) {
  .myga-v2 .lk3-grid { grid-template-columns: 1fr 1fr; }
  .myga-v2 .lg__cols { display: none; }
  .myga-v2 .lg-row { grid-template-columns: 24px 1fr auto auto; }
  .myga-v2 .c-am, .myga-v2 .c-min, .myga-v2 .c-growth, .myga-v2 .c-term { display: none; }
  .myga-v2 .c-name .mob-meta { display: block; font-size: .78rem; color: var(--slate); margin-top: 3px; }
  .myga-v2 .c-rate { font-size: 1.3rem; }
}
@media (max-width: 760px) {
  .myga-v2 .s2__r1 { grid-template-columns: 1fr; }
  .myga-v2 .s2__go { width: 100%; }
  .myga-v2 .s2__r2 { grid-template-columns: 1fr 1fr; }
  .myga-v2 .lk3-grid { grid-template-columns: 1fr; gap: 14px; }
  .myga-v2 .sortw { width: 100%; }
  .myga-v2 .sortw .lf-sel { flex: 1; }
  .myga-v2 .cv-rate { font-size: 2.25rem; }
  .myga-v2 .u2__head { flex-wrap: wrap; gap: 12px 18px; }
  .myga-v2 .u2__rateblk { align-items: flex-start; text-align: left; }
  .myga-v2 .u2__foot { gap: 12px 24px; }
  .myga-v2 .u2__foot .cv-ctas { margin-left: 0; }
  .myga-v2 .mk2__why { padding: 13px 18px 15px; }
  .myga-v2 .mbadge { left: 16px; }
  .myga-v2 .lg-row { padding: 13px 14px; }
  .myga-v2 .c-cta .btn { padding: 9px 13px; font-size: .8rem; }
  .myga-v2 .cmp-tray { flex-wrap: wrap; justify-content: center; border-radius: 20px; padding: 12px 14px; width: calc(100vw - 24px); }
  .myga-v2 .cmp-tray .btn { flex: 1; }
  .myga-v2 .cmp-panel { padding: 18px 16px 20px; }
  .myga-v2 .cmp-grid { min-width: 480px; grid-template-columns: 88px repeat(var(--n), minmax(150px, 1fr)); }
  .myga-v2 .cmp-cell { padding: 10px; }
}
@media (max-width: 500px) {
  .myga-v2 .s2__r2 { grid-template-columns: 1fr; }
}

/* ---------------------------------------------------------------------------
   26. Product-detail "At a glance" rail card (2026-07-30, v1.3.12)
   Card + TOC are ONE sticky unit inside .toc__sticky: both LOCK at top:98px and
   travel the whole article (card never scrolls away; card-to-TOC spacing is the
   toc__sticky flex gap, so the card carries margin-bottom:0). Head is folded into
   the left .doc column so the card starts beside the H1.
   EVERY selector is nested under the product-detail widget root so nothing can
   leak to /rates/ or article pages (the /rates/ regression lesson). Green = the
   site production green #18B26F (var --green).
   --------------------------------------------------------------------------- */
.elementor-widget-annualife-product-detail .pdg { background: var(--card); border: 1px solid var(--line); border-radius: 14px; overflow: hidden; margin-bottom: 0; }
.elementor-widget-annualife-product-detail .pdg__head { padding: 15px 18px 14px; border-bottom: 1px solid var(--line); background: var(--sand); }
.elementor-widget-annualife-product-detail .pdg__eyebrow { font-size: .66rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--slate); margin-bottom: 9px; }
.elementor-widget-annualife-product-detail .pdg__carrier { font-family: var(--f-display); font-size: 1.08rem; font-weight: 800; letter-spacing: -.01em; color: var(--ink); line-height: 1.2; margin-bottom: 10px; }
.elementor-widget-annualife-product-detail .pdg__carrier a { color: inherit; text-decoration: none; }
.elementor-widget-annualife-product-detail .pdg__carrier a:hover { text-decoration: underline; text-decoration-color: rgba(24,178,111,.5); text-underline-offset: 3px; }
.elementor-widget-annualife-product-detail .pdg__chip { display: inline-flex; align-items: center; gap: 6px; background: var(--ink); color: #fff; font-size: .72rem; font-weight: 700; padding: 4px 10px; border-radius: 999px; }
.elementor-widget-annualife-product-detail .pdg__chip svg { width: 12px; height: 12px; stroke: #fff; fill: none; stroke-width: 2.2; stroke-linecap: round; stroke-linejoin: round; }
.elementor-widget-annualife-product-detail .pdg__rate { padding: 14px 18px 14px; border-bottom: 1px solid var(--line); }
.elementor-widget-annualife-product-detail .pdg__num { font-family: var(--f-display); font-size: 2.35rem; font-weight: 800; letter-spacing: -.03em; color: var(--ink); line-height: 1; }
.elementor-widget-annualife-product-detail .pdg__num .u { font-size: 1rem; font-weight: 700; color: var(--green); letter-spacing: 0; margin-left: 3px; }
.elementor-widget-annualife-product-detail .pdg__cap { font-size: .78rem; color: var(--slate); font-weight: 600; margin-top: 8px; }
.elementor-widget-annualife-product-detail .pdg__list { padding: 2px 18px; }
.elementor-widget-annualife-product-detail .pdg__row { display: flex; justify-content: space-between; align-items: center; gap: 14px; padding: 11px 0; }
.elementor-widget-annualife-product-detail .pdg__row .k { font-size: .8rem; font-weight: 600; color: var(--slate); }
.elementor-widget-annualife-product-detail .pdg__row .v { font-size: .88rem; font-weight: 700; color: var(--ink); text-align: right; }
.elementor-widget-annualife-product-detail .pdg__cta { padding: 6px 18px 14px; }
.elementor-widget-annualife-product-detail .pdg__cta .btn { width: 100%; justify-content: center; }
.elementor-widget-annualife-product-detail .pdg__disc { padding: 0 18px 15px; font-size: .68rem; line-height: 1.5; color: var(--slate); }
@media (max-width: 1000px) {
  /* product rail drops BELOW the content on mobile; the card spans full width */
  .elementor-widget-annualife-product-detail .doc > .prose { order: 0; }
  .elementor-widget-annualife-product-detail .doc > .toc { order: 1; }
  .elementor-widget-annualife-product-detail .pdg { flex: 1 1 100%; width: 100%; }
}

/* ==========================================================================
   GLOSSARY (2026-07-30) — additive only, reuses existing tokens. Scoped to
   glossary classes (.glossary-hub, .deflist--index, .glgroup, .orient) so no
   other page is touched (per the /rates/ leak lesson).
   ========================================================================== */
.deflist--index .deflist__term a { color: var(--ink); }
.deflist--index .deflist__term a:hover { color: var(--clay); }
.deflist--index .deflist__def a.term-more {
  display: inline-flex; align-items: center; gap: 6px; margin-top: 6px;
  font-weight: 600; font-size: .92rem; color: var(--clay);
}
.deflist--index .deflist__def a.term-more svg { width: 15px; height: 15px; }
.glgroup { display: flex; align-items: center; gap: var(--s4); margin-top: var(--s7); margin-bottom: 2px; }
.glgroup__letter {
  font-family: var(--f-display); font-weight: 800; font-size: 1.5rem; color: var(--clay);
  min-width: 1.4em;
}
.glgroup__rule { flex: 1; height: 1px; background: var(--line); }
.glossary-hub .deflist { margin-top: var(--s3); }
.orient {
  margin-block: var(--s5);
  padding-left: var(--s5); border-left: 3px solid var(--yellow);
  color: #2c2f2c; font-size: 1.04rem; line-height: 1.65;
}
.orient a { font-weight: 600; }

/* ==========================================================================
   CARRIER PAGES add-on (2026-07-30) — additive only, reuses existing tokens +
   the glossary .doc / .deflist / .toc / .notice skeleton. Scoped so the Elementor
   port (annualife-carrier-hub / annualife-carrier) touches nothing else on the
   site. New primitives: .ataglance · .ptable · .take · .ratingchip.
   ========================================================================== */

/* --- .ratingchip : small AM Best grade pill (hub rows + at-a-glance card) --- */
.ratingchip {
  display: inline-flex; align-items: center; gap: 6px;
  font-family: var(--f-display); font-weight: 800; font-size: .82rem;
  letter-spacing: .01em; color: var(--clay-deep);
  background: var(--clay-soft); border: 1px solid var(--green-lite);
  border-radius: var(--r-pill); padding: 3px 12px; white-space: nowrap;
}
.ratingchip__tier { font-weight: 600; font-size: .7rem; color: var(--slate); letter-spacing: .02em; }

/* --- Hub index rows : reuse .deflist--index; add the chip + a meta line --- */
.carrier-hub .deflist__term { display: flex; flex-wrap: wrap; gap: 10px; align-items: center; }
.carrier-hub .deflist__term a, .carrier-hub .carrier-off { font-family: var(--f-display); font-weight: 700; font-size: 1.12rem; color: var(--ink); }
.carrier-hub .deflist__term a:hover { color: var(--clay); }
.carrier-hub .deflist__meta { font-weight: 500; font-size: .98rem; color: var(--slate); font-family: var(--f-body); }
.carrier-hub .deflist__meta b { color: var(--ink); font-weight: 700; }
.carrier-hub .term-soon { display: inline-block; margin-top: 6px; font-size: .88rem; font-weight: 600; color: var(--slate); }
/* carrier mark sits to the LEFT of the name+chip cluster in each hub row */
.carrier-hub .deflist__term { flex-wrap: nowrap; align-items: center; }
.carrier-hub .carrier-name { display: inline-flex; flex-wrap: wrap; gap: 10px; align-items: center; min-width: 0; }

/* carrier mark at the top of the at-a-glance card, above "Financial strength" */
.ataglance__id { display: flex; align-items: center; gap: 12px; margin-bottom: 16px; padding-bottom: 14px; border-bottom: 1px solid var(--line); }
.ataglance__name { font-family: var(--f-display); font-weight: 700; font-size: 1.02rem; line-height: 1.2; color: var(--ink); }

/* --- .ataglance : rail-top card, mirrors the product-page "At a glance" card.
   Sits ABOVE .toc__sticky so it scrolls away while the TOC pins below.        --- */
.ataglance {
  border: 1px solid var(--line); border-radius: var(--r-md);
  background: var(--white); padding: 20px 20px 18px; box-shadow: var(--sh1);
  margin-bottom: var(--s5);
}
.ataglance__label { font-size: var(--fs-kicker); letter-spacing: .12em; text-transform: uppercase; color: var(--slate); font-weight: 700; margin-bottom: 12px; }
.ataglance__grade { display: flex; align-items: baseline; gap: 10px; }
.ataglance__num { font-family: var(--f-display); font-size: 2.5rem; font-weight: 800; letter-spacing: -.02em; color: var(--ink); line-height: 1; }
.ataglance__tier { font-size: .92rem; font-weight: 700; color: var(--clay-deep); }
.ataglance__strength { font-size: .82rem; color: var(--slate); margin-top: 8px; }
.ataglance__meta { font-size: .95rem; color: var(--ink); font-weight: 600; margin-top: 14px; padding-top: 14px; border-top: 1px solid var(--line); }
.ataglance .btn { margin-top: 14px; }
.ataglance__disc { font-size: .68rem; line-height: 1.45; color: var(--slate); margin-top: 12px; }

/* --- .ptable : clean hairline product table (the internal-linking payload).
   Wrapped in .table-scroll so it scrolls, not blows out, on narrow screens.  --- */
.subtable-label { font-family: var(--f-display); font-weight: 700; font-size: 1.08rem; color: var(--ink); margin-top: var(--s6); margin-bottom: var(--s3); }
.subtable-label:first-of-type { margin-top: var(--s3); }
table.ptable { width: 100%; border-collapse: collapse; font-variant-numeric: tabular-nums; min-width: 540px; }
table.ptable thead th {
  background: var(--sand); color: var(--ink); text-align: left;
  font-family: var(--f-display); font-size: .74rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase;
  padding: 13px var(--s5); white-space: nowrap; border-bottom: 1px solid var(--line-2);
}
table.ptable thead th.num, table.ptable td.num { text-align: right; }
table.ptable tbody tr { border-bottom: 1px solid var(--line); transition: background var(--t-fast); }
table.ptable tbody tr:last-child { border-bottom: none; }
table.ptable tbody tr:hover { background: var(--clay-soft); }
table.ptable td { padding: 15px var(--s5); font-size: .95rem; vertical-align: middle; color: #2c2f2c; }
table.ptable .prod { font-weight: 600; color: var(--ink); }
table.ptable .prod a { color: var(--ink); text-decoration: none; }
table.ptable .prod a:hover { color: var(--clay-deep); text-decoration: underline; text-decoration-color: rgba(24,178,111,.4); text-underline-offset: 3px; }
table.ptable .rate { font-family: var(--f-display); font-size: 1.22rem; font-weight: 700; color: var(--clay); white-space: nowrap; }
table.ptable .go { display: inline-flex; align-items: center; gap: 5px; font-weight: 600; font-size: .86rem; color: var(--clay); white-space: nowrap; }
table.ptable .go svg { width: 14px; height: 14px; }
.ptable-note { font-size: var(--fs-small); color: var(--slate); margin-top: var(--s4); }
.ptable-note a { color: var(--clay); font-weight: 600; text-decoration: underline; text-underline-offset: 3px; }

/* --- .take : "AnnuaLife's take" honest-read block. Light, green top-rule (like
   .toc-cta), NOT a heavy or lavender box.                                     --- */
.take { margin-block: var(--s5); }
.take::before { content: ""; display: block; width: 46px; height: 3px; background: var(--green); border-radius: 2px; margin-bottom: 18px; }
.take__label { font-size: var(--fs-kicker); letter-spacing: .12em; text-transform: uppercase; color: var(--clay-deep); font-weight: 700; margin-bottom: 10px; }
.take p { font-size: 1.07rem; line-height: 1.75; color: #2c2f2c; }

/* --- .cfacts : "Company facts" module. Hairline card with a founded/HQ/parent/
   size definition list + a cited sources line. Rows omitted where the fact is
   unknown (no empty labels). Scoped, additive.                                --- */
.cfacts { margin-block: var(--s5); border: 1px solid var(--line); border-radius: 14px; padding: 6px 22px; background: var(--paper); }
.cfacts__list { margin: 0; }
.cfacts__row { display: grid; grid-template-columns: 170px 1fr; gap: 16px; padding: 14px 0; border-top: 1px solid var(--line); }
.cfacts__row:first-child { border-top: 0; }
.cfacts__row dt { margin: 0; font-weight: 600; color: var(--slate); font-size: .92rem; }
.cfacts__row dd { margin: 0; color: var(--ink); line-height: 1.55; }
.cfacts__src { margin: 4px 0 16px; font-size: var(--fs-small); color: var(--slate); }
.cfacts__src a { color: var(--clay); font-weight: 600; text-decoration: underline; text-underline-offset: 3px; }
@media (max-width: 560px) { .cfacts__row { grid-template-columns: 1fr; gap: 3px; } }

/* ==========================================================================
   My AnnuaLife member portal (Phase 1). Scoped, additive, tokens-only: reuses
   the existing palette, type, spacing, radius, and card vocabulary. No new
   design language. Covers /login/, the member wall, and the /account/* pages.
   ========================================================================== */

.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0; }

/* ---- Login + member wall card ---- */
.pl-card { border: 1px solid var(--line); border-radius: var(--r3); background: var(--card); padding: var(--s7) var(--s6); box-shadow: 0 1px 2px var(--ink-06); }
.pl-card .kicker { display: block; margin-bottom: var(--s3); }
.pl-card__lead { color: var(--slate); margin: var(--s3) 0 var(--s5); line-height: 1.6; }
.pl-form { display: flex; flex-direction: column; gap: var(--s4); }
.pl-form[hidden] { display: none; }
.pl-form__input { width: 100%; padding: 14px 16px; font: inherit; font-size: 1.02rem; border: 1px solid var(--line-2); border-radius: var(--r1); background: var(--paper); color: var(--ink); }
.pl-form__input:focus { outline: none; border-color: var(--clay); box-shadow: 0 0 0 3px var(--clay-soft); }
.pl-consent { display: flex; gap: 10px; align-items: flex-start; font-size: var(--fs-small); color: var(--slate); line-height: 1.5; }
.pl-consent input { margin-top: 3px; flex: none; }
.pl-form__msg { margin: 0; font-size: var(--fs-small); color: var(--slate); min-height: 1.2em; }
.pl-form__msg.is-warn { color: #b23c17; }
.pl-form__msg.is-sent { color: var(--clay-deep); font-weight: 600; }
.pl-card__foot { margin-top: var(--s5); font-size: var(--fs-small); color: var(--slate); line-height: 1.5; }
.pl-note { display: flex; gap: 8px; align-items: flex-start; margin: 0 0 var(--s5); padding: 12px 16px; border-radius: var(--r1); background: var(--clay-soft); color: var(--clay-deep); font-size: var(--fs-small); font-weight: 600; }
.pl-note--warn { background: var(--yellow-soft); color: var(--yellow-ink); }
.pl-note svg { width: 18px; height: 18px; flex: none; margin-top: 1px; }
.pl-sent { text-align: center; padding: var(--s4) 0; }
.pl-sent__icon { display: inline-flex; width: 56px; height: 56px; align-items: center; justify-content: center; border-radius: var(--r-pill); background: var(--clay-soft); color: var(--clay-deep); margin-bottom: var(--s4); }
.pl-sent__icon svg { width: 26px; height: 26px; }
.pl-sent h2 { font-size: var(--fs-h3); margin-bottom: var(--s3); }
.pl-sent p { color: var(--slate); }
.pl-select select { font: inherit; padding: 8px 12px; border: 1px solid var(--line-2); border-radius: var(--r1); background: var(--paper); color: var(--ink); }

.memberwall { max-width: 640px; margin: var(--s6) auto; }
.memberwall__teaser { color: var(--slate); line-height: 1.7; margin-bottom: var(--s6); }
.memberwall__card { border: 1px solid var(--line); border-radius: var(--r3); background: var(--sand); padding: var(--s7) var(--s6); text-align: center; }
.memberwall__lock { display: inline-flex; width: 52px; height: 52px; align-items: center; justify-content: center; border-radius: var(--r-pill); background: var(--paper); color: var(--clay); margin-bottom: var(--s4); border: 1px solid var(--line); }
.memberwall__lock svg { width: 24px; height: 24px; }
.memberwall__card h2 { font-size: var(--fs-h3); }
.memberwall__card > p { color: var(--slate); margin: var(--s3) 0 var(--s5); }
.memberwall__form { max-width: 380px; margin: 0 auto; text-align: left; }
.memberwall__foot { margin-top: var(--s5); font-size: var(--fs-small); color: var(--slate); }

/* ---- Account header + tabs ---- */
.acct-head__top { display: flex; justify-content: space-between; align-items: flex-end; gap: var(--s4); flex-wrap: wrap; }
.acct-head__out { display: inline-flex; align-items: center; gap: 6px; font-size: var(--fs-small); font-weight: 600; color: var(--slate); text-decoration: none; }
.acct-head__out:hover { color: var(--clay-deep); }
.acct-head__out svg { width: 16px; height: 16px; }
.acct-tabs { display: flex; gap: var(--s2); flex-wrap: wrap; margin-top: var(--s5); border-bottom: 1px solid var(--line); }
.acct-tab { display: inline-flex; align-items: center; gap: 7px; padding: 12px 16px; font-size: .95rem; font-weight: 600; color: var(--slate); text-decoration: none; border-bottom: 2px solid transparent; margin-bottom: -1px; }
.acct-tab svg { width: 17px; height: 17px; }
.acct-tab:hover { color: var(--ink); }
.acct-tab.is-active { color: var(--clay-deep); border-bottom-color: var(--clay); }

/* ---- Dashboard cards ---- */
.dash-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--s5); }
.dash-card { display: flex; flex-direction: column; gap: 6px; }
.dash-card__ic { display: inline-flex; width: 40px; height: 40px; align-items: center; justify-content: center; border-radius: var(--r1); background: var(--clay-soft); color: var(--clay-deep); margin-bottom: var(--s2); }
.dash-card__ic svg { width: 20px; height: 20px; }
.dash-card__num { font-family: var(--f-display); font-size: 2.2rem; font-weight: 700; color: var(--ink); line-height: 1; }
.dash-card p { color: var(--slate); font-size: .95rem; line-height: 1.55; }
.dash-card__link { margin-top: auto; padding-top: var(--s3); display: inline-flex; align-items: center; gap: 5px; font-weight: 600; font-size: .9rem; color: var(--clay); text-decoration: none; }
.dash-card__link svg { width: 15px; height: 15px; }
.dash-watch { list-style: none; margin: var(--s2) 0; padding: 0; display: flex; flex-direction: column; gap: 6px; }
.dash-watch li { display: flex; justify-content: space-between; gap: 10px; font-size: .92rem; padding: 6px 0; border-bottom: 1px solid var(--line); }
.dash-watch__rate { font-weight: 700; color: var(--clay-deep); }
.dash-card__status { margin: var(--s2) 0; }
.dash-lib { margin-top: var(--s8); }

/* ---- Status pills (dashboard + requests) ---- */
.status-pill { display: inline-flex; align-items: center; padding: 5px 12px; border-radius: var(--r-pill); font-size: var(--fs-small); font-weight: 700; letter-spacing: .01em; background: var(--sand); color: var(--slate); }
.status-pill--submitted { background: var(--clay-soft); color: var(--clay-deep); }
.status-pill--in_review { background: var(--yellow-soft); color: var(--yellow-ink); }
.status-pill--in_progress { background: var(--lav); color: var(--lav-ink); }
.status-pill--needs_info { background: #fde8df; color: #b23c17; }
.status-pill--complete { background: var(--forest); color: var(--forest-ink); }

/* ---- Scenarios (My plan) ---- */
.scen-list { display: flex; flex-direction: column; gap: var(--s4); }
.scen-card { display: flex; justify-content: space-between; gap: var(--s5); align-items: center; flex-wrap: wrap; }
.scen-card__name { font-size: 1.15rem; margin: 8px 0 4px; }
.scen-card__result { color: var(--slate); font-size: .95rem; }
.scen-card__meta { color: var(--slate); font-size: var(--fs-small); margin-top: 6px; }
.scen-card__actions { display: flex; align-items: center; gap: var(--s4); flex-wrap: wrap; }
.scen-action { background: none; border: none; padding: 0; font: inherit; font-size: var(--fs-small); font-weight: 600; color: var(--slate); cursor: pointer; }
.scen-action:hover { color: var(--ink); }
.scen-action--del:hover { color: #b23c17; }

/* ---- Watchlist ---- */
.watch-prefs { display: flex; align-items: center; gap: var(--s4); flex-wrap: wrap; margin-bottom: var(--s5); padding: 14px 18px; border: 1px solid var(--line); border-radius: var(--r2); background: var(--sand); }
.watch-prefs__label { display: inline-flex; align-items: center; gap: 8px; font-weight: 600; font-size: .95rem; }
.watch-prefs__label svg { width: 18px; height: 18px; color: var(--clay); }
.watch-prefs__msg { font-size: var(--fs-small); color: var(--clay-deep); font-weight: 600; }
.watch-table .carrier small { display: block; color: var(--slate); font-weight: 400; }
.watch-delta.is-up { color: var(--clay-deep); }
.watch-delta.is-down { color: #b23c17; }

/* ---- Requests timeline ---- */
.req-list { display: flex; flex-direction: column; gap: var(--s6); }
.req-card { border: 1px solid var(--line); border-radius: var(--r3); background: var(--card); padding: var(--s6); }
.req-card__head { display: flex; justify-content: space-between; align-items: flex-start; gap: var(--s4); flex-wrap: wrap; }
.req-card__head h3 { font-size: 1.2rem; }
.req-card__meta { color: var(--slate); font-size: var(--fs-small); margin-top: 4px; }
.req-card__note { display: flex; gap: 8px; align-items: flex-start; margin: var(--s4) 0 0; padding: 12px 16px; border-radius: var(--r1); background: #fde8df; color: #b23c17; font-size: var(--fs-small); font-weight: 600; }
.req-card__note svg { width: 18px; height: 18px; flex: none; margin-top: 1px; }
.req-timeline { counter-reset: reqstep; margin-top: var(--s5); }
.req-timeline .timeline__num { counter-increment: reqstep; background: var(--paper); border: 2px solid var(--line-2); color: var(--slate); }
.req-timeline .timeline__num::before { content: counter(reqstep, decimal-leading-zero); }
.req-step.is-current .timeline__num { border-color: var(--clay); color: var(--clay-deep); background: var(--clay-soft); }
.req-step.is-done .timeline__num { border-color: var(--clay); background: var(--clay); color: #fff; }
.req-step.is-done .timeline__num::before { content: ""; }
.req-step.is-done .timeline__num svg { width: 15px; height: 15px; }
.req-step .timeline__body h3 { font-size: 1rem; color: var(--slate); }
.req-step.is-current .timeline__body h3, .req-step.is-done .timeline__body h3 { color: var(--ink); }

/* ---- Chip: member badge ---- */
.chip--member { background: var(--forest); color: var(--forest-ink); display: inline-flex; align-items: center; gap: 5px; }
.chip--member svg { width: 13px; height: 13px; }

/* ---- Calculator save affordance ---- */
.calc-save { margin: var(--s5) 0 var(--s4); }
.calc-save__label { display: block; font-weight: 600; font-size: .92rem; margin-bottom: 8px; }
.calc-save__row { display: flex; gap: var(--s3); flex-wrap: wrap; }
.calc-save__name { flex: 1 1 200px; padding: 11px 14px; font: inherit; border: 1px solid var(--line-2); border-radius: var(--r1); background: var(--paper); color: var(--ink); }
.calc-save__name:focus { outline: none; border-color: var(--clay); box-shadow: 0 0 0 3px var(--clay-soft); }
.calc-save__msg { margin: 8px 0 0; font-size: var(--fs-small); color: var(--clay-deep); font-weight: 600; min-height: 1.2em; }
.calc-save__msg.is-warn { color: #b23c17; }
.calc-save__anon { display: flex; gap: var(--s3); align-items: flex-start; padding: 14px 18px; border-radius: var(--r2); background: var(--yellow-soft); border: 1px solid var(--yellow-deep); }
.calc-save__anon[hidden] { display: none; }
.calc-save__anon-ic { flex: none; color: var(--yellow-ink); }
.calc-save__anon-ic svg { width: 20px; height: 20px; }
.calc-save__anon p { color: var(--yellow-ink); font-size: .92rem; line-height: 1.5; margin: 0; }
.calc-save__anon-link { display: inline-flex; align-items: center; gap: 5px; margin-top: 6px; font-weight: 700; font-size: .9rem; color: var(--clay-deep); text-decoration: none; }
.calc-save__anon-link svg { width: 15px; height: 15px; }

/* ---- Rate watch star (rate cards + tables) ---- */
.rb-watch { display: inline-flex; align-items: center; gap: 5px; padding: 5px 10px; border: 1px solid var(--line-2); border-radius: var(--r-pill); background: var(--paper); color: var(--slate); font: inherit; font-size: var(--fs-small); font-weight: 600; cursor: pointer; }
.rb-watch:hover { border-color: var(--clay); color: var(--clay-deep); }
.rb-watch svg { width: 15px; height: 15px; }
.rb-watch.is-watched { background: var(--clay-soft); border-color: var(--clay); color: var(--clay-deep); }
.rb-watch.is-watched .rb-watch__ic svg { fill: var(--clay); stroke: var(--clay); }
.carrier__row { display: inline-flex; align-items: center; gap: 10px; flex-wrap: wrap; }

@media (max-width: 900px) {
  .dash-grid { grid-template-columns: 1fr; }
}
@media (max-width: 640px) {
  .pl-card { padding: var(--s6) var(--s5); }
  .scen-card { flex-direction: column; align-items: flex-start; }
  .acct-tabs { gap: 0; }
  .acct-tab { padding: 10px 12px; }
}

/* ==========================================================================
   My AnnuaLife: member profile (onboarding wizard + /account/profile/).
   Additive and tokens-only. The wizard itself reuses the `.apply` stepper and
   the `.field` / `.form-row` form vocabulary wholesale; these rules only cover
   the two-button nav footer, the consent row spacing, the progress meter, and
   the profile form's group headings.
   ========================================================================== */

.onboard__nav-left { display: flex; align-items: center; gap: var(--s4); flex-wrap: wrap; }
.onboard__consent { margin-top: var(--s2); }
.onboard .field__opt { color: var(--slate); font-weight: 400; }

.dash-profile { display: flex; align-items: center; gap: var(--s5); flex-wrap: wrap; margin-bottom: var(--s5); }
.dash-profile .dash-card__ic { margin-bottom: 0; flex: none; align-self: flex-start; }
.dash-profile__body { flex: 1 1 320px; }
.dash-profile__body p { color: var(--slate); font-size: .95rem; line-height: 1.55; margin-top: 6px; }
.dash-profile__meter { height: 8px; max-width: 340px; margin-top: var(--s4); border: 1px solid var(--line); border-radius: var(--r-pill); background: var(--sand); overflow: hidden; }
.dash-profile__meter span { display: block; height: 100%; background: var(--clay); }
.dash-profile__count { font-size: var(--fs-small); color: var(--slate); margin-top: 8px; }

.prof-form__meter { margin-bottom: var(--s6); }
.prof-form__group { font-size: 1.05rem; margin: var(--s6) 0 var(--s4); padding-top: var(--s5); border-top: 1px solid var(--line); }
.prof-form__group:first-of-type { margin-top: 0; padding-top: 0; border-top: 0; }
.prof-form input[readonly] { background: var(--sand); color: var(--slate); }
.prof-form__actions { display: flex; align-items: center; gap: var(--s5); flex-wrap: wrap; margin-top: var(--s6); }

@media (max-width: 640px) {
  .dash-profile { align-items: flex-start; }
  .dash-profile__meter { max-width: none; }
}

/* ==========================================================================
   My AnnuaLife: maturity reminders card (/account/watchlist/, portal Phase 2).
   Additive and tokens-only: reuses .card, .pl-form__input, .scen-action.
   ========================================================================== */

.holdings { margin-top: var(--s7); padding: var(--s6); }
.holdings__title { display: flex; align-items: center; gap: 10px; font-size: 1.15rem; }
.holdings__title svg { width: 20px; height: 20px; color: var(--clay); flex: none; }
.holdings__lead { color: var(--slate); font-size: .95rem; line-height: 1.55; margin-top: 8px; max-width: 640px; }
.holdings__list { list-style: none; margin: var(--s5) 0 0; padding: 0; }
.holdings__list:empty { margin-top: 0; }
.holdings__row { display: flex; align-items: center; gap: var(--s4); flex-wrap: wrap; padding: 12px 0; border-bottom: 1px solid var(--line); }
.holdings__row:first-child { border-top: 1px solid var(--line); }
.holdings__name { font-weight: 700; flex: 1 1 200px; }
.holdings__date { font-size: var(--fs-small); color: var(--slate); font-weight: 600; }
.holdings__form { display: flex; align-items: flex-end; gap: var(--s4); flex-wrap: wrap; margin-top: var(--s5); }
.holdings__field { display: flex; flex-direction: column; gap: 6px; flex: 1 1 200px; }
.holdings__field span { font-size: var(--fs-small); font-weight: 700; color: var(--ink); }
.holdings__field .pl-form__input { width: 100%; }
.holdings__form .pl-form__msg { flex-basis: 100%; margin: 0; }
.holdings__foot { font-size: var(--fs-small); color: var(--slate); line-height: 1.5; margin-top: var(--s5); }

@media (max-width: 640px) {
  .holdings { padding: var(--s5); }
  .holdings__form { align-items: stretch; flex-direction: column; }
}

/* ---- Library marks (read chip + bookmark pill on /account/library/) ---- */
.chip--read { background: var(--sand); color: var(--slate); display: inline-flex; align-items: center; gap: 5px; margin-left: 6px; }
.chip--read svg { width: 13px; height: 13px; }
.lib-foot { display: flex; justify-content: space-between; align-items: center; gap: var(--s3); flex-wrap: wrap; margin-top: 12px; }
.lib-foot .tnum { color: var(--slate); font-size: .85rem; }

/* ---- Print: a clean "my plan" for advisor calls ----
   Site chrome, tabs, and row actions drop out; the saved-scenario cards (and
   any page content) print as plain hairline cards. The [data-print-plan]
   button on /account/plan/ calls window.print(). */
@media print {
  .topbar, .masthead, .site-footer, .cta-band, .acct-tabs, .acct-head__out,
  .scen-card__actions, .lib-foot .rb-watch, [data-print-plan] { display: none !important; }
  body { background: #fff; }
  .reveal { opacity: 1 !important; transform: none !important; }
  .card, .scen-card { box-shadow: none; border: 1px solid #ccc; break-inside: avoid; }
}

/* ---- 27. Glossary gloss terms + popovers (jargon retrofit v1.8.0) ----
   .gloss = dotted-underline jargon term; the one-sentence definition lives IN
   THE DOM (.gloss__pop) so it is crawlable and shows with JS off via CSS
   hover/focus (absolute, above the term). The gloss JS block re-places the pop
   position:fixed on hover/focus/tap so .table-scroll containers cannot clip it.
   .gloss--link = prose first-mention form (term is a real link to /glossary/). */
.gloss { position: relative; text-decoration: underline dotted; text-decoration-color: var(--slate); text-decoration-thickness: 1px; text-underline-offset: 3px; cursor: help; }
.gloss--link { cursor: pointer; }
.gloss--link > a { color: inherit; text-decoration: none; }
.gloss--link > a:hover { color: var(--clay-deep); }
.gloss__pop {
  position: absolute; bottom: calc(100% + 9px); left: 50%; transform: translateX(-50%);
  display: block; width: min(300px, calc(100vw - 24px));
  background: var(--card); border: 1px solid var(--line); border-radius: 10px;
  box-shadow: 0 12px 32px var(--ink-12); padding: 12px 14px;
  font-size: .84rem; font-weight: 400; line-height: 1.5; color: var(--ink);
  text-align: left; white-space: normal; z-index: 60;
  opacity: 0; visibility: hidden; pointer-events: none; transition: opacity .14s ease;
}
.gloss:hover > .gloss__pop, .gloss:focus > .gloss__pop, .gloss.is-open > .gloss__pop { opacity: 1; visibility: visible; pointer-events: auto; }
.gloss__def { display: block; }
.gloss__more { display: inline-block; margin-top: 7px; font-weight: 600; font-size: .8rem; color: var(--clay-deep); text-decoration: none; }
.gloss__more:hover { text-decoration: underline; }