@font-face{font-family:Inter;src:url('/assets/inter-latin.woff2') format('woff2');font-style:normal;font-weight:400 700;font-display:swap}
@font-face{font-family:Playfair;src:url('/assets/playfair-700.woff2') format('woff2');font-style:normal;font-weight:700;font-display:swap}
:root{--bg:#eef3f6;--panel:#fff;--ink:#12303f;--muted:#5a717d;--accent:#0e6e8c;--line:#c9d8e0;--dark:#123b4b;--soft:#e0ebee;--radius:16px;--serif:Playfair,Georgia,serif;--sans:Inter,Arial,sans-serif}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:110px}body{margin:0;background:var(--bg);color:var(--ink);font:400 16px/1.7 var(--sans);-webkit-font-smoothing:antialiased}a{color:inherit;text-decoration:none}button,input{font:inherit}button,a,input,summary{-webkit-tap-highlight-color:transparent}button{cursor:pointer}img{max-width:100%;display:block}svg{width:24px;height:24px;flex:none}h1,h2,h3,p{margin:0}h1,h2,h3{font-family:var(--serif);font-weight:700;line-height:1.15;letter-spacing:-.035em}h1{font-size:clamp(42px,5.4vw,74px)}h2{font-size:clamp(30px,3vw,43px)}h3{font-size:27px}p{color:var(--muted)}[hidden]{display:none!important}a:hover{color:var(--accent)}button:focus-visible,a:focus-visible,input:focus-visible,summary:focus-visible{outline:3px solid #c57520;outline-offset:5px}.wrap{width:min(1280px,calc(100% - 96px));margin-inline:auto}.narrow{max-width:820px}.section{padding-top:104px;padding-bottom:104px}.eyebrow{font-size:11px;line-height:1.5;letter-spacing:.14em;font-weight:700;color:var(--accent);text-transform:uppercase}.eyebrow span{color:var(--muted);font-weight:400;letter-spacing:.04em}.button{display:inline-flex;align-items:center;justify-content:center;gap:30px;padding:15px 24px;min-height:53px;background:var(--accent);color:#fff;border:1px solid var(--accent);border-radius:16px;font-size:14px;font-weight:700;line-height:1.4;transition:background .18s,transform .18s;white-space:nowrap}.button:hover{background:#10516b;border-color:#10516b;color:white;transform:translateY(-2px)}.button 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0;background:linear-gradient(0deg,rgba(13,38,50,.42),transparent);pointer-events:none}.hero-caption{position:absolute;bottom:36px;left:28px;right:28px;background:rgba(255,255,255,.96);backdrop-filter:blur(10px);border-radius:12px;display:flex;align-items:center;gap:17px;padding:20px 22px;z-index:1}.hero-caption>svg{width:34px;height:34px;color:var(--accent)}.hero-caption span{font-size:12px;color:var(--muted);line-height:1.8}.hero-caption strong{font-weight:400;color:var(--ink);font-size:15px}.image-coordinate{position:absolute;right:24px;top:28px;font-size:9px;color:white;letter-spacing:.14em;text-shadow:0 1px 5px #12303f}.insurer-strip{border-block:1px solid var(--line);background:#e7eef2}.insurer-strip>.wrap{display:flex;align-items:center;justify-content:space-between;gap:25px;min-height:106px}.insurer-strip p{font-size:10px;font-weight:700;letter-spacing:.15em;max-width:120px}.insurer-strip 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h2{font-size:29px}.embed-fallback p{font-size:13px}.embed-help{font-size:10px}.embed-panel iframe{height:800px}.faq-page{padding-bottom:60px}.glossary>div{grid-template-columns:1fr;gap:10px;padding:22px 0}.glossary dd{font-size:13px}.checklist-grid{grid-template-columns:1fr}.checklist-note{margin-bottom:48px}.prose{padding-bottom:50px}.prose h2{font-size:28px}.contact-links{font-size:12px}}
@media(max-width:370px){.wrap{width:calc(100% - 32px)}.hero h1{font-size:44px}.hero-actions{gap:18px;align-items:flex-start;flex-direction:column}.hero-art{height:340px}.hero-caption{left:15px;right:15px;padding:15px}.hero-caption strong{font-size:12px}.insurer-strip a:not(.strip-detail){font-size:19px}.article-header h1{font-size:37px}.page-hero h1{font-size:40px}.section-heading>.text-link{white-space:normal}.provider-actions{flex-direction:column;align-items:flex-start}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{transition:none!important;animation:none!important}}
@media print{body{background:white;color:#000;font-size:11pt}.site-header,.site-footer,.breadcrumbs,.cta-band,.page-hero>.button,.skip-link{display:none}.wrap{width:100%;max-width:none}.page-hero{padding:0 0 20px}.page-hero h1{font-size:30pt}.page-hero h1 br,.page-hero p br{display:none}.page-hero>p:not(.eyebrow){font-size:11pt;margin-top:10px}.checklist-grid{display:grid;grid-template-columns:1fr 1fr;gap:15px}.white-panel{break-inside:avoid;border-color:#aaa;padding:18px}.checklist-grid h2{font-size:18pt}.check-item{font-size:10pt}.checklist-note{font-size:9pt}a{color:#000}}

.link-arrow{display:inline-block;width:1.2em;height:1.2em;vertical-align:-.2em;flex:none}