@import url('https://fonts.googleapis.com/css2?family=Arsenal:ital,wght@0,400;0,500;0,600;0,700;1,400;1,600&display=swap');

:root {
  --paper: #ffffff;
  --paper-2: #fafafa;
  --ink: #141414;
  --muted: #5f5f5f;
  --line: rgba(20, 20, 20, 0.12);
  --accent: #d45231;
  --accent-dark: #b43f22;
  --sage: #f5f5f5;
  --blue: #f7f7f7;
  --yellow: #f3f3f3;
  --white: #fff;
  --radius: 24px;
  --shadow: 0 18px 55px rgba(20, 20, 20, 0.06);
  --container: min(1240px, calc(100% - 40px));
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif; background: var(--paper); color: var(--ink); line-height: 1.55; -webkit-font-smoothing: antialiased; }
a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
button, input, textarea, select { font: inherit; }
button { cursor: pointer; }
.container { width: var(--container); margin-inline: auto; }
.skip-link { position: absolute; left: -9999px; top: 10px; z-index: 999; padding: 10px 14px; background: var(--ink); color: white; }
.skip-link:focus { left: 10px; }
.site-header { position: sticky; top: 0; z-index: 80; background: rgba(255,255,255,.94); backdrop-filter: blur(16px); border-bottom: 1px solid var(--line); }
.nav { min-height: 78px; display: flex; align-items: center; justify-content: space-between; gap: 28px; }
.logo img { width: 105px; height: auto; }
.nav-links { display: flex; align-items: center; gap: 27px; font-size: .94rem; }
.nav-links a { position: relative; }
.nav-links a:not(.btn)::after { content: ""; position: absolute; left: 0; right: 100%; bottom: -5px; height: 1px; background: var(--ink); transition: right .25s ease; }
.nav-links a:hover::after, .nav-links a[aria-current="page"]::after { right: 0; }
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 9px; min-height: 48px; padding: 12px 20px; border-radius: 999px; border: 1px solid var(--ink); background: var(--ink); color: white; font-weight: 650; transition: transform .2s ease, background .2s ease; }
.btn:hover { transform: translateY(-2px); background: #2b2b2b; }
.btn-outline { background: transparent; color: var(--ink); }
.btn-outline:hover { background: var(--ink); color: white; }
.btn-accent { background: var(--accent); border-color: var(--accent); }
.btn-accent:hover { background: var(--accent-dark); }
.menu-toggle { display: none; border: 0; background: transparent; padding: 8px; }
.menu-toggle span { display: block; width: 25px; height: 2px; background: var(--ink); margin: 5px; }
.eyebrow { text-transform: uppercase; font-size: .77rem; font-weight: 720; letter-spacing: .13em; color: var(--muted); }
.hero { padding: 84px 0 56px; overflow: hidden; }
.hero-grid { display: grid; grid-template-columns: 1.2fr .8fr; gap: 68px; align-items: center; }
h1, h2, h3 { font-weight: 640; letter-spacing: -.04em; line-height: 1.03; margin: 0; }
h1 { font-size: clamp(3.4rem, 7.3vw, 7.1rem); max-width: 980px; }
h2 { font-size: clamp(2.3rem, 4.6vw, 4.9rem); }
h3 { font-size: clamp(1.35rem, 2vw, 2rem); }
.lead { font-size: clamp(1.08rem, 1.7vw, 1.35rem); color: var(--muted); max-width: 660px; margin: 28px 0 34px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; }
.prompt-card { background: var(--paper-2); border: 1px solid var(--line); border-radius: 34px; padding: 28px; box-shadow: var(--shadow); position: relative; }
.prompt-card::before { content:""; position:absolute; width:160px; height:160px; border-radius:50%; background:rgba(212,82,49,.09); filter:blur(40px); opacity:.9; right:-20px; top:-45px; z-index:-1; }
.prompt-label { font-size: .84rem; color: var(--muted); margin-bottom: 14px; }
.choice-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.choice { border: 1px solid var(--line); border-radius: 15px; background: rgba(255,255,255,.55); padding: 16px; text-align: left; transition: .2s ease; }
.choice:hover, .choice.active { background: var(--ink); color: white; transform: translateY(-2px); }
.prompt-footer { margin-top: 18px; padding-top: 18px; border-top: 1px solid var(--line); display:flex; align-items:center; justify-content:space-between; gap:14px; }
.prompt-footer small { color: var(--muted); }
.stats { border-block: 1px solid var(--line); }
.stats-grid { display: grid; grid-template-columns: repeat(3,1fr); }
.stat { padding: 26px 0; border-right: 1px solid var(--line); }
.stat + .stat { padding-left: 30px; }
.stat:last-child { border-right: 0; }
.stat strong { display:block; font-size: 1.4rem; }
.stat span { color: var(--muted); font-size: .94rem; }
.section { padding: 105px 0; }
.section-head { display: grid; grid-template-columns: .45fr 1fr; gap: 35px; align-items: start; margin-bottom: 50px; }
.section-head p { margin: 0; max-width: 680px; color: var(--muted); font-size: 1.08rem; }
.category-grid { display:grid; grid-template-columns:repeat(2, minmax(0,1fr)); gap:24px; }
.category-card { min-height: 280px; height: 280px; border: 1px solid rgba(20,20,20,.14); border-radius: var(--radius); padding: 24px; display:flex; flex-direction:column; justify-content:space-between; transition: transform .25s ease, box-shadow .25s ease, border-color .25s ease; overflow:hidden; position:relative; background: #fff; }
.category-card:hover { transform: translateY(-6px); box-shadow: var(--shadow); border-color: rgba(212,82,49,.45); }
.category-card:nth-child(1) { background: #ffffff; }
.category-card:nth-child(2) { background: #f7f7f7; }
.category-card:nth-child(3) { background: #fcfcfc; }
.category-card:nth-child(4) { background: #f3f3f3; }
.category-card:nth-child(5) { background: #f8f8f8; }
.category-card:nth-child(6) { background: #f5f5f5; }
.category-card:nth-child(7) { background: #ffffff; grid-column: 1 / -1; width: calc((100% - 24px) / 2); justify-self: center; }

.card-number { font-size: .82rem; letter-spacing: .12em; }
.card-link { display:flex; justify-content:space-between; align-items:end; gap:18px; }
.card-link p { max-width: 420px; color: rgba(20,20,20,.68); margin: 14px 0 0; }
.arrow { font-size: 1.7rem; }
.editorial { background: var(--ink); color:white; }
.editorial .section-head p { color: rgba(255,255,255,.65); }
.editorial-grid { display:grid; grid-template-columns:repeat(3,1fr); border:1px solid rgba(255,255,255,.2); border-radius: var(--radius); overflow:hidden; }
.editorial-card { padding:34px; min-height:290px; border-right:1px solid rgba(255,255,255,.2); display:flex; flex-direction:column; justify-content:space-between; }
.editorial-card:last-child { border-right:0; }
.editorial-card p { color:rgba(255,255,255,.66); }
.process { display:grid; grid-template-columns: repeat(4,1fr); gap: 0; border-top: 1px solid var(--line); }
.step { padding: 28px 28px 20px 0; border-right:1px solid var(--line); min-height:220px; }
.step + .step { padding-left:28px; }
.step:last-child { border-right:0; }
.step-num { display:inline-grid; place-items:center; width:40px; height:40px; border-radius:50%; background:var(--accent); color:white; font-weight:700; margin-bottom:38px; }
.step p { color:var(--muted); }
.audience { display:grid; grid-template-columns:1fr 1fr; gap:18px; }
.audience-card { border:1px solid var(--line); border-radius:var(--radius); padding:38px; min-height:360px; background:var(--paper-2); display:flex; flex-direction:column; justify-content:space-between; }
.audience-card:nth-child(2) { background:var(--sage); }
.tag-list { display:flex; flex-wrap:wrap; gap:8px; margin-top:24px; }
.tag { padding:8px 12px; border:1px solid currentColor; border-radius:999px; font-size:.85rem; opacity:.72; }
.guides { display:grid; grid-template-columns:repeat(3,1fr); gap:18px; }
.guide { border-top:1px solid var(--ink); padding-top:18px; }
.guide time { display:block; color:var(--muted); font-size:.84rem; margin-bottom:22px; }
.guide p { color:var(--muted); }
.cta { padding: 38px 0 105px; }
.cta-box { background: var(--accent); color:white; border-radius: 36px; padding: clamp(34px, 6vw, 82px); display:grid; grid-template-columns:1fr auto; align-items:end; gap:38px; }
.cta-box p { color:rgba(255,255,255,.75); max-width:650px; font-size:1.08rem; }
.footer { border-top:1px solid var(--line); padding:52px 0 28px; }
.footer-grid { display:grid; grid-template-columns:1.5fr repeat(3,1fr); gap:36px; }
.footer-logo img { width:110px; margin-bottom:20px; }
.footer p, .footer a { color:var(--muted); font-size:.92rem; }
.footer h4 { margin:0 0 14px; font-size:.85rem; text-transform:uppercase; letter-spacing:.09em; }
.footer-links { display:grid; gap:8px; }
.footer-bottom { margin-top:44px; padding-top:20px; border-top:1px solid var(--line); display:flex; justify-content:space-between; gap:18px; color:var(--muted); font-size:.82rem; }
/* internal pages */
.page-hero { padding:78px 0 62px; border-bottom:1px solid var(--line); }
.breadcrumb { display:flex; gap:8px; color:var(--muted); font-size:.88rem; margin-bottom:35px; }
.page-hero h1 { font-size:clamp(3rem,7vw,6.5rem); max-width:1050px; }
.page-hero .lead { max-width:780px; }
.page-meta { display:flex; flex-wrap:wrap; gap:12px; margin-top:28px; }
.meta-chip { border:1px solid var(--line); border-radius:999px; padding:8px 12px; font-size:.85rem; }
.page-layout { display:grid; grid-template-columns:280px 1fr; gap:70px; padding:72px 0 110px; }
.side-nav { position:sticky; top:110px; align-self:start; border-top:1px solid var(--ink); }
.side-nav a { display:block; padding:13px 0; border-bottom:1px solid var(--line); color:var(--muted); font-size:.92rem; }
.side-nav a:hover { color:var(--ink); }
.content-intro { font-size:1.25rem; max-width:800px; margin:0 0 45px; }
.product-list { display:grid; gap:14px; }
.product { border:1px solid var(--line); border-radius:20px; background:var(--paper-2); overflow:hidden; }
.product summary { list-style:none; display:grid; grid-template-columns:52px 1fr auto; gap:18px; align-items:center; padding:23px 25px; cursor:pointer; }
.product summary::-webkit-details-marker { display:none; }
.product summary .num { color:var(--muted); font-size:.8rem; }
.product summary .plus { font-size:1.6rem; transition:transform .2s ease; }
.product[open] summary .plus { transform:rotate(45deg); }
.product-body { padding:0 25px 28px 95px; color:var(--muted); }
.product-body h4 { color:var(--ink); margin:20px 0 8px; }
.product-body ul { padding-left:20px; }
.info-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:14px; margin:42px 0; }
.info-box { border:1px solid var(--line); border-radius:18px; padding:22px; }
.info-box p { color:var(--muted); }
.contact-section { padding:80px 0 110px; }
.contact-grid { display:grid; grid-template-columns:.8fr 1.2fr; gap:58px; align-items:start; }
.form-card { background:var(--paper-2); border:1px solid var(--line); border-radius:var(--radius); padding:30px; box-shadow:var(--shadow); }
.form-grid { display:grid; grid-template-columns:1fr 1fr; gap:15px; }
.field { display:grid; gap:7px; }
.field.full { grid-column:1/-1; }
.field label { font-size:.85rem; font-weight:650; }
.field input, .field textarea, .field select { width:100%; border:1px solid var(--line); border-radius:13px; background:white; padding:13px 14px; outline:none; }
.field input:focus, .field textarea:focus, .field select:focus { border-color:var(--ink); box-shadow:0 0 0 3px rgba(23,23,20,.08); }
.field textarea { min-height:145px; resize:vertical; }
.form-note { color:var(--muted); font-size:.8rem; margin:12px 0 18px; }
.form-status { display:none; padding:12px 14px; border-radius:12px; margin-bottom:14px; }
.form-status.show { display:block; }
.form-status.success { background:var(--sage); }
.form-status.error { background:#f2d4cc; }
.legal-copy { max-width:850px; }
.legal-copy h2 { font-size:2rem; margin-top:45px; }
.legal-copy p, .legal-copy li { color:var(--muted); }
.cookie-banner { position:fixed; left:20px; right:20px; bottom:20px; z-index:100; background:var(--ink); color:white; border-radius:18px; padding:18px 20px; display:none; align-items:center; justify-content:space-between; gap:25px; box-shadow:var(--shadow); }
.cookie-banner.show { display:flex; }
.cookie-banner p { margin:0; color:rgba(255,255,255,.72); font-size:.9rem; }
.cookie-actions { display:flex; gap:8px; flex-shrink:0; }
.cookie-actions button { padding:9px 13px; border-radius:999px; border:1px solid rgba(255,255,255,.4); background:transparent; color:white; }
.cookie-actions .accept { background:white; color:var(--ink); }
.reveal { opacity:0; transform:translateY(20px); transition:opacity .7s ease, transform .7s ease; }
.reveal.visible { opacity:1; transform:none; }
@media (max-width: 950px) {
  .menu-toggle { display:block; }
  .nav-links { position:fixed; inset:78px 0 auto 0; background:var(--paper); border-bottom:1px solid var(--line); padding:25px 20px 30px; flex-direction:column; align-items:flex-start; transform:translateY(-140%); transition:transform .25s ease; }
  .nav-links.open { transform:none; }
  .hero-grid, .section-head, .page-layout, .contact-grid { grid-template-columns:1fr; }
  .hero { padding-top:58px; }
  .side-nav { position:static; }
  .category-card, .category-card:nth-child(n) { grid-column:auto; width:auto; }
  .editorial-grid, .guides { grid-template-columns:1fr; }
  .editorial-card { border-right:0; border-bottom:1px solid rgba(255,255,255,.2); }
  .editorial-card:last-child { border-bottom:0; }
  .process { grid-template-columns:1fr 1fr; }
  .step:nth-child(2) { border-right:0; }
  .step:nth-child(-n+2) { border-bottom:1px solid var(--line); }
  .footer-grid { grid-template-columns:1fr 1fr; }
}
@media (max-width: 650px) {
  h1, h2, h3, h4,
  .lead, .eyebrow,
  .section-head p,
  .card-link p,
  .guide-slide p,
  .guide-slide-link,
  .product summary,
  .product-body,
  .legal-copy p,
  .legal-copy li {
    -webkit-hyphens: none;
    hyphens: none;
    word-break: normal;
    overflow-wrap: normal;
  }

  :root { --container: min(100% - 28px, 1240px); }
  .nav { min-height:68px; }
  .nav-links { inset:68px 0 auto 0; }
  h1 { font-size:3.2rem; }
  .choice-grid, .audience, .form-grid, .info-grid { grid-template-columns:1fr; }
  .stats-grid { grid-template-columns:1fr; }
  .stat { border-right:0; border-bottom:1px solid var(--line); padding:18px 0 !important; }
  .stat:last-child { border-bottom:0; }
  .category-grid { grid-template-columns:1fr; }
  .category-card, .category-card:nth-child(n) { grid-column:auto; width:auto; min-height:235px; height:auto; }
  .process { grid-template-columns:1fr; }
  .step, .step + .step { border-right:0; border-bottom:1px solid var(--line); padding:25px 0; }
  .step:last-child { border-bottom:0; }
  .cta-box { grid-template-columns:1fr; border-radius:25px; }
  .footer-grid { grid-template-columns:1fr; }
  .footer-bottom { flex-direction:column; }
  .product summary { grid-template-columns:35px 1fr auto; padding:20px 16px; }
  .product-body { padding:0 18px 24px 18px; }
  .cookie-banner { flex-direction:column; align-items:flex-start; }
}

/* legal/compliance and form hardening */
.scope-strip { border-bottom:1px solid var(--line); background:var(--paper-2); }
.scope-strip p { margin:0; padding:18px 0; color:var(--muted); font-size:.92rem; }
.scope-strip a, .legal-notice a, .legal-copy a { text-decoration:underline; text-underline-offset:3px; }
.legal-notice { margin:26px 0 42px; border-left:4px solid var(--accent); background:var(--paper-2); padding:20px 22px; border-radius:0 16px 16px 0; }
.legal-notice p { color:var(--muted); margin:8px 0 10px; }
.honeypot { position:absolute !important; left:-10000px !important; width:1px !important; height:1px !important; overflow:hidden !important; }
.checkbox-field label { display:flex; gap:10px; align-items:flex-start; font-weight:500; }
.checkbox-field input { width:auto; margin-top:4px; }
.checkbox-field a { text-decoration:underline; }
.email-card { display:flex; flex-wrap:wrap; align-items:center; gap:12px; border:1px solid var(--line); border-radius:16px; padding:18px; background:var(--paper-2); font-size:1.05rem; }
.copy-email { border:1px solid var(--ink); background:transparent; border-radius:999px; padding:8px 13px; }
.legal-copy ul { padding-left:22px; }
.legal-copy strong { color:var(--ink); }

/* Human-readable statutory email without storing the complete address in HTML. */
.email-obfuscated{display:inline-flex;align-items:baseline;white-space:nowrap;font-weight:700;letter-spacing:.01em}
.email-at::before{content:"@"}
.email-dot::before{content:"."}

/* AAR brand typography */
body, button, input, textarea, select { font-family: "Arsenal", Arial, sans-serif; }
h1, h2, h3, h4, .btn, .eyebrow { font-family: "Arsenal", Arial, sans-serif; }

/* Guide links on insurance category pages */
.related-guide-banner {
  display:grid;
  grid-template-columns: 150px 1fr auto;
  gap:24px;
  align-items:center;
  border:1px solid var(--line);
  border-left:4px solid var(--accent);
  border-radius:18px;
  padding:24px;
  margin:0 0 28px;
  background:#fff;
  transition:transform .22s ease, border-color .22s ease, box-shadow .22s ease;
}
.related-guide-banner:hover { transform:translateY(-3px); border-color:rgba(212,82,49,.5); box-shadow:var(--shadow); }
.related-guide-label { color:var(--accent-dark); text-transform:uppercase; letter-spacing:.1em; font-size:.78rem; font-weight:700; }
.related-guide-banner h3 { font-size:1.55rem; margin-bottom:8px; }
.related-guide-banner p { margin:0; color:var(--muted); }

/* Guide slider */
.guide-section-head { margin-bottom:30px; }
.guide-slider-shell { position:relative; }
.guide-slider-controls { display:flex; justify-content:space-between; align-items:center; gap:18px; margin-bottom:18px; }
.guide-slider-controls > div { display:flex; gap:8px; }
.slider-button { width:44px; height:44px; border-radius:50%; border:1px solid var(--ink); background:#fff; color:var(--ink); font-size:1.2rem; transition:.2s ease; }
.slider-button:hover { background:var(--ink); color:#fff; }
.text-link { font-weight:700; text-decoration:underline; text-underline-offset:5px; }
.guide-slider { display:grid; grid-auto-flow:column; grid-auto-columns:minmax(300px, 38%); gap:18px; overflow-x:auto; scroll-snap-type:x mandatory; scroll-behavior:smooth; scrollbar-width:none; padding:2px 2px 18px; }
.guide-slider::-webkit-scrollbar { display:none; }
.guide-slide { min-height:360px; border:1px solid var(--line); border-radius:var(--radius); padding:28px; background:#fff; display:flex; flex-direction:column; scroll-snap-align:start; transition:transform .22s ease, border-color .22s ease, box-shadow .22s ease; }
.guide-slide:nth-child(even) { background:#f7f7f7; }
.guide-slide:hover { transform:translateY(-5px); border-color:rgba(212,82,49,.45); box-shadow:var(--shadow); }
.guide-slide-num { font-size:.82rem; letter-spacing:.12em; margin-bottom:auto; }
.guide-slide .eyebrow { margin:40px 0 12px; color:var(--accent-dark); }
.guide-slide h3 { font-size:1.75rem; }
.guide-slide p { color:var(--muted); }
.guide-slide-link { margin-top:auto; padding-top:24px; color:var(--accent-dark); font-weight:700; }

/* Guide overview and article pages */
.guide-index-grid { display:grid; gap:18px; }
.guide-index-card { display:grid; grid-template-columns:70px 1fr auto; gap:30px; align-items:start; border-top:1px solid var(--ink); padding:32px 0; }
.guide-index-card h2 { font-size:clamp(1.8rem,3.4vw,3.2rem); margin:8px 0 12px; }
.guide-index-card p { color:var(--muted); max-width:800px; margin:0; }
.guide-index-num { font-weight:700; letter-spacing:.1em; }
.guide-index-arrow { font-size:2rem; }
.guide-hero h1 { max-width:1120px; font-size:clamp(3rem,6.2vw,6.1rem); }
.guide-article { max-width:850px; }
.guide-copy-section { padding:0 0 48px; scroll-margin-top:110px; }
.guide-copy-section + .guide-copy-section { padding-top:48px; border-top:1px solid var(--line); }
.guide-copy-section h2 { font-size:clamp(2rem,4vw,3.6rem); margin-bottom:24px; }
.guide-copy-section p { color:var(--muted); font-size:1.08rem; line-height:1.72; }
.section-kicker { color:var(--accent-dark); text-transform:uppercase; letter-spacing:.11em; font-size:.8rem; font-weight:700; margin-bottom:12px; }
.related-insurance-grid { display:grid; grid-template-columns:1fr 1fr; gap:10px; margin-top:24px; }
.related-insurance-grid a { display:flex; justify-content:space-between; gap:18px; align-items:center; border:1px solid var(--line); border-radius:14px; padding:16px 18px; background:#fff; }
.related-insurance-grid a:hover { border-color:var(--accent); }
.source-note { border-top:1px solid var(--line); padding-top:24px; color:var(--muted); font-size:.9rem; }

.footer-grid { grid-template-columns:1.35fr 1.2fr .8fr 1fr; }
.footer-links { align-content:start; }
.footer-links a { line-height:1.35; }

@media (max-width:950px) {
  .guide-slider { grid-auto-columns:minmax(310px,70%); }
  .related-guide-banner { grid-template-columns:1fr auto; }
  .related-guide-label { grid-column:1 / -1; }
}
@media (max-width:650px) {
  .guide-slider { grid-auto-columns:88%; }
  .guide-slider-controls { align-items:flex-end; }
  .related-guide-banner { grid-template-columns:1fr; }
  .guide-index-card { grid-template-columns:45px 1fr; gap:16px; }
  .guide-index-arrow { display:none; }
  .related-insurance-grid { grid-template-columns:1fr; }
}
.product { scroll-margin-top: 110px; }

/* =========================================================
   Mobile width, safe-area and sticky-header hardening
   ========================================================= */
html {
  width: 100%;
  max-width: 100%;
  overflow-x: clip;
}
body {
  width: 100%;
  max-width: 100%;
  overflow-x: hidden;
}
*, *::before, *::after { box-sizing: border-box; }

/* Grid and flex descendants must be allowed to shrink. */
body > *,
main, header, footer, nav, section, article, aside,
.container, .nav, .hero-grid, .section-head, .stats-grid,
.category-grid, .editorial-grid, .process, .audience, .guides,
.cta-box, .footer-grid, .page-layout, .product-list, .info-grid,
.contact-grid, .form-card, .form-grid, .legal-copy,
.related-guide-banner, .guide-slider-shell, .guide-slider,
.guide-index-grid, .guide-index-card, .guide-article,
.related-insurance-grid {
  max-width: 100%;
  min-width: 0;
}

.container {
  width: min(1240px, calc(100% - 40px));
  max-width: 100%;
}

img, svg, video, canvas, iframe,
input, select, textarea, button {
  max-width: 100%;
}

h1, h2, h3, h4, p, li, a, span, strong, small, label {
  overflow-wrap: anywhere;
}

.hero-grid > *, .section-head > *, .stats-grid > *,
.category-grid > *, .editorial-grid > *, .process > *,
.audience > *, .guides > *, .cta-box > *, .footer-grid > *,
.page-layout > *, .contact-grid > *, .form-grid > *,
.info-grid > *, .guide-index-card > *, .related-insurance-grid > * {
  min-width: 0;
  max-width: 100%;
}

.product summary {
  grid-template-columns: 52px minmax(0, 1fr) auto;
}

.guide-slider-shell,
.guide-slider {
  width: 100%;
}
.guide-slider {
  overscroll-behavior-inline: contain;
}

.footer-grid > div,
.footer-links,
.footer-links p,
.footer-links a {
  min-width: 0;
  max-width: 100%;
}

.site-header {
  overflow: visible;
}
.logo,
.logo img,
.menu-toggle {
  flex-shrink: 0;
}
.logo {
  display: flex;
  align-items: center;
  overflow: visible;
}
.logo img {
  object-fit: contain;
}

@media (max-width: 950px) {
  .site-header {
    top: 0;
    min-height: calc(76px + env(safe-area-inset-top, 0px));
    padding-top: env(safe-area-inset-top, 0px);
    overflow: visible;
  }
  .nav {
    min-height: 76px;
    width: min(1240px, calc(100% - 32px));
    padding-block: 10px;
    overflow: visible;
  }
  .logo img {
    width: 102px;
    height: auto;
    max-height: 48px;
  }
  .menu-toggle {
    display: block;
    width: 44px;
    min-width: 44px;
    height: 44px;
    padding: 7px;
    overflow: visible;
  }
  .menu-toggle span {
    margin-inline: auto;
  }
  .nav-links {
    top: calc(76px + env(safe-area-inset-top, 0px));
    right: 0;
    left: 0;
    width: 100%;
    max-width: 100%;
    max-height: calc(100dvh - 76px - env(safe-area-inset-top, 0px));
    overflow-y: auto;
    overflow-x: hidden;
  }
  .footer-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 32px 28px;
  }
  .guide-slider-controls {
    max-width: 100%;
    flex-wrap: wrap;
  }
}

@media (max-width: 650px) {
  :root { --container: min(100% - 28px, 1240px); }

  .container,
  .nav {
    width: calc(100% - 28px);
    max-width: 100%;
  }

  .site-header {
    min-height: calc(74px + env(safe-area-inset-top, 0px));
  }
  .nav {
    min-height: 74px;
    padding-block: 9px;
  }
  .logo img {
    width: 98px;
    max-height: 46px;
  }
  .nav-links {
    top: calc(74px + env(safe-area-inset-top, 0px));
    max-height: calc(100dvh - 74px - env(safe-area-inset-top, 0px));
    padding-inline: 14px;
  }

  h1 {
    font-size: clamp(2.7rem, 14vw, 3.2rem);
  }

  .footer {
    width: 100%;
    max-width: 100%;
    overflow: hidden;
    padding-bottom: calc(28px + env(safe-area-inset-bottom, 0px));
  }
  .footer-grid {
    display: grid;
    grid-template-columns: minmax(0, 1fr);
    gap: 30px;
    width: 100%;
  }
  .footer-grid > div {
    width: 100%;
  }
  .footer-bottom {
    width: 100%;
    align-items: flex-start;
  }

  .product summary {
    grid-template-columns: 35px minmax(0, 1fr) auto;
  }

  .guide-slider-controls {
    align-items: flex-start;
  }
  .guide-slider-controls > div {
    flex-shrink: 0;
  }
  .guide-slider {
    grid-auto-columns: minmax(0, 88%);
  }

  .cookie-banner {
    left: 14px;
    right: 14px;
    bottom: calc(14px + env(safe-area-inset-bottom, 0px));
    width: auto;
    max-width: calc(100% - 28px);
  }
  .cookie-actions {
    width: 100%;
    max-width: 100%;
    flex-wrap: wrap;
  }

  .form-card,
  .prompt-card,
  .category-card,
  .audience-card,
  .guide-slide,
  .info-box,
  .product,
  .related-guide-banner,
  .legal-notice,
  .email-card {
    width: 100%;
    max-width: 100%;
  }
}

@media (max-width: 360px) {
  .container,
  .nav {
    width: calc(100% - 24px);
  }
  .hero-actions .btn,
  .cta-box .btn {
    width: 100%;
  }
  .prompt-footer {
    align-items: flex-start;
    flex-direction: column;
  }
  .guide-slider {
    grid-auto-columns: minmax(0, 92%);
  }
}

/* Keep the document itself as the vertical scroll container. The inner page
   shell provides the requested overflow-x:hidden safeguard without breaking
   the sticky header. */
body { overflow-x: hidden; }
.page-shell {
  width: 100%;
  max-width: 100%;
  min-width: 0;
  overflow-x: hidden;
}


/* Final mobile containment safeguards */
@media (max-width: 650px) {
  html, body { width: 100%; max-width: 100%; overflow-x: hidden; }
  .site-header, .nav, .logo, .menu-toggle { overflow: visible; }
  .site-header { padding-top: env(safe-area-inset-top, 0px); }
  .nav { box-sizing: border-box; align-items: center; }
  .logo { min-height: 46px; }
  .logo img { display: block; width: 98px; max-width: 100%; height: auto; }
  main, .footer, .footer .container, .footer-grid, .footer-bottom,
  .form-card, .form-grid, .field, .field input, .field select, .field textarea,
  .category-grid, .category-card, .product-list, .product,
  .guide-slider-shell, .guide-slider-controls, .guide-index-grid {
    width: 100%;
    max-width: 100%;
    min-width: 0;
  }
  .footer-grid { grid-template-columns: minmax(0, 1fr); }
  .footer-links a, .footer-links p, .footer-bottom span,
  .email-obfuscated { white-space: normal; overflow-wrap: anywhere; word-break: break-word; }
  select, input, textarea { min-width: 0; }
}


/* =========================================================
   MOBILE V5: cache-safe definitive containment and header fix
   ========================================================= */
html,
body {
  inline-size: 100%;
  max-inline-size: 100%;
  margin: 0;
  overflow-x: hidden;
  -webkit-text-size-adjust: 100%;
  text-size-adjust: 100%;
}

body,
.page-shell,
.site-header,
main,
footer,
section {
  max-width: 100%;
  min-width: 0;
}

.page-shell {
  width: 100%;
  overflow-x: clip;
}

.container {
  box-sizing: border-box;
  margin-inline: auto;
}

@media (max-width: 650px) {
  :root {
    --mobile-gutter: 14px;
  }

  .container,
  .nav {
    width: calc(100% - (2 * var(--mobile-gutter)));
    max-width: calc(100% - (2 * var(--mobile-gutter)));
    margin-inline: auto;
  }

  .site-header {
    position: sticky;
    top: 0;
    z-index: 1000;
    width: 100%;
    min-height: calc(72px + env(safe-area-inset-top, 0px));
    padding-top: env(safe-area-inset-top, 0px);
    overflow: visible;
    background: rgba(255,255,255,.98);
  }

  .nav {
    display: grid;
    grid-template-columns: minmax(0, 1fr) 44px;
    align-items: center;
    gap: 12px;
    min-height: 72px;
    padding-block: 10px;
    overflow: visible;
  }

  .logo {
    display: flex;
    align-items: center;
    min-width: 0;
    min-height: 48px;
    height: 48px;
    overflow: visible;
  }

  .logo img {
    display: block;
    width: 100px;
    height: auto;
    max-width: 100%;
    max-height: 48px;
    object-fit: contain;
    object-position: left center;
  }

  .menu-toggle {
    justify-self: end;
    align-self: center;
    width: 44px;
    min-width: 44px;
    height: 44px;
    margin: 0;
    padding: 7px;
    overflow: visible;
  }

  .nav-links {
    inset: calc(72px + env(safe-area-inset-top, 0px)) 0 auto 0;
    width: 100%;
    max-width: 100%;
    padding: 24px var(--mobile-gutter) 28px;
    overflow-x: hidden;
  }

  .hero,
  .section,
  .page-hero,
  .contact-section,
  .cta,
  .footer {
    width: 100%;
    max-width: 100%;
    overflow-x: clip;
  }

  .hero-grid,
  .section-head,
  .stats-grid,
  .category-grid,
  .editorial-grid,
  .process,
  .audience,
  .guides,
  .cta-box,
  .footer-grid,
  .page-layout,
  .contact-grid,
  .form-grid,
  .info-grid,
  .related-insurance-grid,
  .guide-index-grid {
    width: 100%;
    max-width: 100%;
    min-width: 0;
    grid-template-columns: minmax(0, 1fr);
  }

  .hero-grid > *,
  .section-head > *,
  .stats-grid > *,
  .category-grid > *,
  .editorial-grid > *,
  .process > *,
  .audience > *,
  .guides > *,
  .cta-box > *,
  .footer-grid > *,
  .page-layout > *,
  .contact-grid > *,
  .form-grid > *,
  .info-grid > *,
  .related-insurance-grid > *,
  .guide-index-grid > * {
    width: 100%;
    max-width: 100%;
    min-width: 0;
  }

  .category-card,
  .category-card:nth-child(n) {
    grid-column: auto;
    width: 100%;
    max-width: 100%;
    min-width: 0;
  }

  .guide-slider-shell {
    width: 100%;
    max-width: 100%;
    min-width: 0;
    overflow: hidden;
  }

  .guide-slider {
    width: 100%;
    max-width: 100%;
    min-width: 0;
    grid-auto-columns: minmax(0, 88%);
    overflow-x: auto;
    overflow-y: hidden;
    overscroll-behavior-x: contain;
  }

  .guide-slide {
    min-width: 0;
    max-width: 100%;
  }

  .process {
    overflow: hidden;
  }

  .step,
  .step + .step {
    width: 100%;
    max-width: 100%;
    min-width: 0;
    padding-inline: 0;
    margin-inline: 0;
  }

  .form-card,
  .field,
  .field input,
  .field select,
  .field textarea,
  .product,
  .product summary,
  .product-body,
  .related-guide-banner,
  .legal-notice,
  .email-card {
    width: 100%;
    max-width: 100%;
    min-width: 0;
  }

  .product summary {
    grid-template-columns: 32px minmax(0, 1fr) 24px;
  }

  .footer {
    overflow: hidden;
    padding-bottom: calc(28px + env(safe-area-inset-bottom, 0px));
  }

  .footer-grid {
    display: grid;
    grid-template-columns: minmax(0, 1fr);
    gap: 28px;
  }

  .footer-grid > div,
  .footer-links,
  .footer-links a,
  .footer-links p,
  .footer-bottom,
  .footer-bottom span {
    width: 100%;
    max-width: 100%;
    min-width: 0;
    white-space: normal;
    overflow-wrap: anywhere;
    word-break: break-word;
  }

  .footer-bottom {
    display: flex;
    flex-direction: column;
    align-items: flex-start;
  }

  .cookie-banner {
    left: var(--mobile-gutter);
    right: var(--mobile-gutter);
    width: auto;
    max-width: calc(100% - (2 * var(--mobile-gutter)));
  }
}

@media (max-width: 360px) {
  :root { --mobile-gutter: 12px; }

  h1 { font-size: clamp(2.55rem, 13.5vw, 3rem); }
  h2 { font-size: clamp(2rem, 10vw, 2.5rem); }

  .logo img { width: 96px; }
  .hero-actions .btn,
  .cta-box .btn { width: 100%; }
}

/* =========================================================
   MOBILE V6: restore real page gutters and rebuild guide cards
   ========================================================= */
@media (max-width: 650px) {
  :root { --mobile-gutter: 18px; }

  /* A number of layout elements also carry the .container class. Earlier
     width:100% rules on those grid classes overrode the container gutter.
     Margins are authoritative here, so every section has an equal inset. */
  .container,
  .nav.container,
  .container.hero-grid,
  .container.stats-grid,
  .container.page-layout,
  .container.contact-grid {
    width: auto !important;
    max-width: none !important;
    margin-left: var(--mobile-gutter) !important;
    margin-right: var(--mobile-gutter) !important;
  }

  .nav.container {
    padding-left: 0;
    padding-right: 0;
  }

  /* Keep normal section grids full-width only inside their already inset
     parent container. */
  .section-head,
  .category-grid,
  .editorial-grid,
  .process,
  .audience,
  .cta-box,
  .footer-grid,
  .form-grid,
  .info-grid,
  .related-insurance-grid,
  .guide-index-grid {
    width: 100%;
    max-width: 100%;
  }

  /* Horizontal guides: one readable card at a time with a hint of the next. */
  .guide-slider-shell {
    width: 100%;
    max-width: 100%;
    overflow: hidden;
  }

  .guide-slider {
    display: flex !important;
    grid-auto-flow: initial;
    grid-auto-columns: initial;
    gap: 16px;
    width: 100%;
    max-width: 100%;
    padding: 2px 0 18px;
    overflow-x: auto;
    overflow-y: hidden;
    scroll-snap-type: x mandatory;
    scroll-padding-left: 0;
    -webkit-overflow-scrolling: touch;
  }

  .guide-slide {
    flex: 0 0 calc(100% - 34px);
    width: calc(100% - 34px);
    min-width: calc(100% - 34px);
    max-width: calc(100% - 34px);
    min-height: 410px;
    padding: 24px;
    scroll-snap-align: start;
    scroll-snap-stop: always;
  }

  .guide-slide .eyebrow,
  .guide-slide h3,
  .guide-slide p,
  .guide-slide-link,
  .section-head h2,
  .section-head p,
  .stat strong,
  .stat span {
    overflow-wrap: normal;
    word-break: normal;
    hyphens: none;
    -webkit-hyphens: none;
  }

  .guide-slide .eyebrow {
    margin-top: 34px;
  }

  .guide-slide h3 {
    font-size: clamp(1.55rem, 7.4vw, 1.9rem);
    line-height: 1.08;
  }

  .guide-slider-controls {
    width: 100%;
    max-width: 100%;
    align-items: center;
  }

  /* Comfortable mobile typography and spacing without touching desktop. */
  .hero { padding-top: 56px; }
  .page-hero { padding-top: 54px; }
  .section { padding-block: 78px; }
  .scope-strip p { padding-block: 20px; }
  .stats .stat { padding-inline: 0 !important; }

  .hero h1,
  .page-hero h1 {
    overflow-wrap: normal;
    word-break: normal;
    hyphens: none;
    -webkit-hyphens: none;
  }

  .footer .container {
    width: auto !important;
    max-width: none !important;
    margin-left: var(--mobile-gutter) !important;
    margin-right: var(--mobile-gutter) !important;
  }
}

@media (max-width: 360px) {
  :root { --mobile-gutter: 16px; }
  .guide-slide {
    flex-basis: calc(100% - 24px);
    width: calc(100% - 24px);
    min-width: calc(100% - 24px);
    max-width: calc(100% - 24px);
    padding: 22px;
  }
}


/* =========================================================
   V8 requested refinements
   ========================================================= */

/* Unified insurance category cards */
.category-card,
.category-card:nth-child(n),
.category-card-unified {
  background: #f5f5f5 !important;
}
.category-card h3,
.category-card-unified h3 {
  color: var(--accent);
}

/* Audience insurance CTAs */
.audience-card:nth-child(n) { background: var(--paper-2); }
.audience-links { align-items: flex-start; }
.audience-link {
  display: inline-flex;
  align-items: center;
  gap: 3px;
  color: var(--accent) !important;
  opacity: 1;
  font-weight: 650;
  transition: background .2s ease, color .2s ease, transform .2s ease;
}
.audience-link:hover {
  background: var(--accent);
  color: #fff !important;
  transform: translateY(-2px);
}
.audience-cta {
  display: flex;
  justify-content: center;
  margin-top: 24px;
}
.audience-cta .btn { min-width: 210px; }

/* Contact: form first, explanations after */
.contact-stack {
  display: grid;
  gap: 52px;
  width: 100%;
  max-width: 100%;
}
.contact-stack .form-card {
  width: min(900px, 100%);
  margin-inline: auto;
}
.contact-explainer {
  width: min(1050px, 100%);
  margin-inline: auto;
}
.contact-explainer .info-grid {
  grid-template-columns: repeat(4, minmax(0, 1fr)) !important;
}
.contact-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 4px;
}
.contact-actions .btn { min-width: 180px; }

/* Privacy checkbox mobile-safe layout */
.checkbox-field label {
  display: grid;
  grid-template-columns: 22px minmax(0, 1fr);
  column-gap: 12px;
  align-items: start;
  width: 100%;
  max-width: 100%;
  line-height: 1.45;
}
.checkbox-field input[type="checkbox"] {
  width: 20px;
  height: 20px;
  margin: 2px 0 0;
}
.checkbox-field label > a { display: inline; }

/* File uploads */
.upload-fieldset {
  border: 1px solid var(--line);
  border-radius: 16px;
  padding: 18px;
  background: #fff;
}
.upload-title { font-weight: 700; margin-bottom: 4px; }
.upload-help,
.upload-warning {
  margin: 0 0 12px;
  color: var(--muted);
  font-size: .86rem;
}
.upload-warning { margin-top: 12px; margin-bottom: 0; }
.upload-fieldset input[type="file"] {
  padding: 10px;
  margin-bottom: 10px;
  background: var(--paper-2);
}

/* Sticky header stays visible and compacts on scroll */
.site-header {
  transition: min-height .24s ease, box-shadow .24s ease, background .24s ease;
  will-change: min-height;
}
.site-header .nav,
.site-header .logo img,
.site-header .menu-toggle {
  transition: min-height .24s ease, height .24s ease, width .24s ease, padding .24s ease;
}
@media (max-width: 950px) {
  .site-header.is-scrolled {
    min-height: calc(62px + env(safe-area-inset-top, 0px));
    background: rgba(255,255,255,.98);
    box-shadow: 0 8px 25px rgba(20,20,20,.08);
  }
  .site-header.is-scrolled .nav {
    min-height: 62px;
    padding-block: 6px;
  }
  .site-header.is-scrolled .logo img {
    width: 80px;
    max-height: 40px;
  }
  .site-header.is-scrolled .menu-toggle {
    width: 40px;
    min-width: 40px;
    height: 40px;
  }
  .site-header.is-scrolled .nav-links {
    top: calc(62px + env(safe-area-inset-top, 0px));
    max-height: calc(100dvh - 62px - env(safe-area-inset-top, 0px));
  }
}

@media (max-width: 950px) {
  .contact-explainer .info-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr)) !important;
  }
}
@media (max-width: 650px) {
  .audience-link { width: 100%; justify-content: space-between; }
  .audience-cta .btn { width: 100%; }
  .contact-section { padding-top: 38px; }
  .contact-stack { gap: 42px; }
  .contact-stack .form-card { padding: 22px 18px; }
  .contact-explainer .info-grid { grid-template-columns: 1fr !important; }
  .contact-actions { display: grid; grid-template-columns: 1fr; }
  .contact-actions .btn { width: 100%; }
  .checkbox-field label {
    grid-template-columns: 22px minmax(0, 1fr);
    column-gap: 10px;
    overflow-wrap: normal;
    word-break: normal;
  }
  .upload-fieldset { padding: 15px; }
}
.checkbox-field label > span {
  min-width: 0;
  max-width: 100%;
  overflow-wrap: normal;
  word-break: normal;
}


/* =========================================================
   V9: persistent compact header and full desktop contact page
   ========================================================= */

/* A fixed header is used instead of sticky so it remains visible even when
   horizontal-overflow containment is active elsewhere on the page. */
body.has-fixed-header {
  padding-top: 78px;
}
.site-header {
  position: fixed !important;
  inset: 0 0 auto 0;
  width: 100%;
  min-height: 78px;
  z-index: 1000;
  background: rgba(255,255,255,.98);
  box-shadow: 0 1px 0 var(--line);
  overflow: visible;
  transition: min-height .22s ease, box-shadow .22s ease, background .22s ease;
}
.site-header .nav {
  min-height: 78px;
  transition: min-height .22s ease, padding .22s ease;
}
.site-header .logo img,
.site-header .btn,
.site-header .nav-links {
  transition: width .22s ease, min-height .22s ease, padding .22s ease, gap .22s ease, font-size .22s ease;
}
.site-header.is-scrolled {
  min-height: 62px;
  background: rgba(255,255,255,.985);
  box-shadow: 0 8px 28px rgba(20,20,20,.09);
}
.site-header.is-scrolled .nav {
  min-height: 62px;
}
.site-header.is-scrolled .logo img {
  width: 82px;
}
.site-header.is-scrolled .nav-links {
  gap: 23px;
  font-size: .9rem;
}
.site-header.is-scrolled .btn {
  min-height: 42px;
  padding: 9px 17px;
}

/* The contact page has one main content column. Its previous two-column grid
   constrained the only child to the narrow left track, producing a mobile-like
   desktop layout. */
.contact-page-grid {
  display: block !important;
}
.contact-page-grid .contact-stack {
  width: 100%;
}
.contact-page-grid .form-card {
  width: min(1000px, 100%);
  padding: 38px;
}
.contact-page-grid .contact-explainer {
  width: min(1100px, 100%);
}
.contact-page-grid .contact-explainer .lead {
  max-width: 800px;
}
.contact-page-grid .info-box {
  min-height: 185px;
}

@media (max-width: 950px) {
  body.has-fixed-header {
    padding-top: calc(76px + env(safe-area-inset-top, 0px));
  }
  .site-header {
    min-height: calc(76px + env(safe-area-inset-top, 0px));
  }
  .site-header .nav {
    min-height: 76px;
  }
  .site-header .nav-links {
    top: calc(76px + env(safe-area-inset-top, 0px));
  }
  .site-header.is-scrolled {
    min-height: calc(62px + env(safe-area-inset-top, 0px));
  }
  .site-header.is-scrolled .nav {
    min-height: 62px;
    padding-block: 6px;
  }
  .site-header.is-scrolled .logo img {
    width: 80px;
    max-height: 40px;
  }
  .site-header.is-scrolled .nav-links {
    top: calc(62px + env(safe-area-inset-top, 0px));
    max-height: calc(100dvh - 62px - env(safe-area-inset-top, 0px));
    gap: 0;
    font-size: .94rem;
  }
  .contact-page-grid .form-card {
    width: 100%;
    padding: 30px;
  }
  .contact-page-grid .info-box {
    min-height: 0;
  }
}

@media (max-width: 650px) {
  body.has-fixed-header {
    padding-top: calc(72px + env(safe-area-inset-top, 0px));
  }
  .site-header {
    min-height: calc(72px + env(safe-area-inset-top, 0px));
  }
  .site-header .nav {
    min-height: 72px;
  }
  .site-header .nav-links {
    top: calc(72px + env(safe-area-inset-top, 0px));
  }
  .site-header.is-scrolled {
    min-height: calc(60px + env(safe-area-inset-top, 0px));
  }
  .site-header.is-scrolled .nav {
    min-height: 60px;
    padding-block: 5px;
  }
  .site-header.is-scrolled .logo {
    min-height: 40px;
    height: 40px;
  }
  .site-header.is-scrolled .logo img {
    width: 78px;
    max-height: 38px;
  }
  .site-header.is-scrolled .nav-links {
    top: calc(60px + env(safe-area-inset-top, 0px));
    max-height: calc(100dvh - 60px - env(safe-area-inset-top, 0px));
  }
  .contact-page-grid .form-card {
    padding: 22px 18px;
  }
}


/* V10: analytics consent controls */
.footer-cookie-settings {
  appearance: none;
  border: 0;
  padding: 0;
  margin: 0;
  background: transparent;
  color: inherit;
  font: inherit;
  text-align: left;
  cursor: pointer;
}
.footer-cookie-settings:hover,
.footer-cookie-settings:focus-visible {
  text-decoration: underline;
}
.cookie-banner[aria-hidden="true"] { display: none; }