@font-face{font-family:'Hanken Grotesk';font-style:normal;font-weight:100 900;font-display:swap;src:url('/assets/hanken-grotesk.woff2') format('woff2')}
@font-face{font-family:'Schibsted Grotesk';font-style:normal;font-weight:400 600;font-display:swap;src:url('/assets/schibsted-grotesk.woff2') format('woff2')}
:root{--navy:#0a2540;--teal:#007984;--teal-dark:#00626e;--pale:#eff6fa;--aqua:#e2f2f3;--ink:#132e47;--muted:#4d627a;--line:#dce6ef;--white:#fff;--font-body:'Schibsted Grotesk',Arial,sans-serif;--font-display:'Hanken Grotesk',Arial,sans-serif;--ease:cubic-bezier(.16,1,.3,1)}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:115px}body{margin:0;background:var(--white);color:var(--muted);font:400 16px/1.7 var(--font-body);-webkit-font-smoothing:antialiased}a{color:var(--teal-dark);text-underline-offset:4px;text-decoration-thickness:1px;transition:color .18s var(--ease),background-color .18s var(--ease),border-color .18s var(--ease)}a:hover{color:var(--navy)}a:focus-visible,button:focus-visible,summary:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,[tabindex]:focus-visible{outline:3px solid var(--teal);outline-offset:4px}img{display:block;max-width:100%;height:auto}picture{display:block}picture img{width:100%}figure,h1,h2,h3,p,ul,ol,dl{margin:0}h1,h2,h3{font-family:var(--font-display);color:var(--navy);font-weight:700;text-wrap:balance}h1{font-size:58px;line-height:1.07;letter-spacing:-.035em}h2{font-size:39px;line-height:1.14;letter-spacing:-.025em}h3{font-size:24px;line-height:1.22;letter-spacing:-.02em}p+p{margin-top:16px}p{text-wrap:pretty}ul,ol{padding-left:22px}li+li{margin-top:8px}button,input,select,textarea{font:inherit}input,select,textarea{min-width:0;max-width:100%}button{cursor:pointer}summary{cursor:pointer;list-style:none}summary::-webkit-details-marker{display:none}summary::marker{content:''}button:disabled{cursor:not-allowed;opacity:.55}[hidden]{display:none!important}.wrap{width:calc(100% - 80px);max-width:1240px;margin-inline:auto}.wrap>*{min-width:0}.eyebrow{font-size:12px;line-height:1.5;letter-spacing:.09em;text-transform:uppercase;font-weight:600;color:var(--teal-dark);margin-bottom:16px}.lede{font-size:19px;line-height:1.65}.small,.small-note{font-size:13px;line-height:1.6;color:var(--muted);margin-top:14px}.button{display:inline-flex;align-items:center;justify-content:center;gap:24px;min-height:52px;max-width:100%;padding:13px 23px;background:var(--teal);color:var(--white);border:1px solid var(--teal);border-radius:8px;text-decoration:none;font:600 16px/1.4 var(--font-display);transition:background .18s var(--ease),box-shadow .18s var(--ease)}.button:hover{background:var(--teal-dark);color:white;box-shadow:0 5px 14px #00626e20}.button span{font-size:22px;font-weight:400}.text-link{display:inline-block;color:var(--teal-dark);font-size:15px;font-weight:600;text-decoration:none;padding-block:7px}.text-link:hover{text-decoration:underline}.text-link span{margin-left:12px}.skip-link{position:fixed;top:-100px;left:20px;z-index:100;background:white;color:var(--navy);padding:12px 20px}.skip-link:focus{top:12px}
.preview-notice{background:var(--teal-dark);color:#fff;text-align:center;font-size:12px;line-height:1.5;padding:5px 20px}.preview-notice span{margin:0 8px}.site-header{position:sticky;top:0;z-index:30;background:var(--white);border-bottom:1px solid var(--line)}.header-inner{display:flex;align-items:center;justify-content:space-between;gap:32px;min-height:88px;position:relative}.brand{display:inline-flex;align-items:center;gap:10px;font:700 24px/1.08 var(--font-display);letter-spacing:-.035em;color:var(--navy);text-decoration:none;white-space:nowrap}.brand-mark{display:grid;place-items:center;flex:0 0 37px;width:37px;height:40px;border:2px solid var(--teal);border-radius:11px 11px 11px 2px;color:var(--teal);font-size:35px;font-weight:500;line-height:1}.brand-descriptor{display:block;color:var(--muted);font:400 10px/1.5 var(--font-body);letter-spacing:.09em;text-transform:uppercase;margin-top:7px}.main-menu{margin-left:auto}.mobile-toggle{display:none}.nav{display:flex;align-items:center;gap:23px}.nav>a,.nav-dropdown>summary{display:flex;align-items:center;justify-content:space-between;gap:8px;color:var(--navy);font:600 15px/1.4 var(--font-display);min-height:48px;text-decoration:none;white-space:nowrap}.nav-dropdown>summary>span{font-size:18px;color:var(--muted);transition:transform .15s var(--ease)}.nav-dropdown[open]>summary>span{transform:rotate(180deg)}.nav-dropdown>summary:hover,.nav-dropdown[open]>summary,.nav>a:hover{color:var(--teal)}.nav .nav-action{padding:12px 19px;background:var(--teal);color:white;border-radius:28px;gap:18px;margin-left:3px}.nav .nav-action:hover{color:white;background:var(--teal-dark)}.nav-action span{font-size:22px}.dropdown-panel{max-height:calc(100dvh - 120px);overflow-y:auto;position:absolute;top:calc(100% - 1px);background:white;border:1px solid var(--line);border-radius:0 0 16px 16px;box-shadow:0 16px 30px #0a254012;z-index:32}.mega-menu{left:0;right:0;display:grid;grid-template-columns:1fr 1fr 1fr;padding:30px 32px 0;gap:16px 36px}.menu-group p{font-size:12px;color:var(--teal-dark);font-weight:600;text-transform:uppercase;letter-spacing:.065em;margin-bottom:12px}.menu-group a,.compact-menu a{display:block;padding:8px 9px;margin-left:-9px;border-radius:5px;font-size:14px;line-height:1.45;color:var(--navy);text-decoration:none}.menu-group a:hover,.compact-menu a:hover{background:var(--pale);color:var(--teal-dark)}.menu-footer{grid-column:1/-1;border-top:1px solid var(--line);display:flex;justify-content:space-between;padding:17px 0;margin-top:5px;gap:24px}.menu-footer a{font-size:14px;font-weight:600;text-decoration:none}.menu-footer a:hover{text-decoration:underline}.menu-footer a span{margin-left:18px}.compact-menu{min-width:270px;max-width:340px;padding:19px 25px}.compact-menu .menu-view-all{border-top:1px solid var(--line);margin-top:9px;padding-top:15px;color:var(--teal-dark);font-weight:600}
.hero-band{background:var(--pale);border-bottom:1px solid var(--line)}.hero{display:grid;grid-template-columns:minmax(0,1.03fr) minmax(0,1fr);gap:60px;align-items:center;padding-block:62px 74px}.hero-copy .eyebrow{margin-bottom:23px}.hero .hero-title{max-width:11.8ch}.hero .hero-title em{font-style:normal;color:var(--teal)}.hero-intro{font-size:17px;line-height:1.8;margin-top:25px;max-width:48ch}.hero-actions{display:flex;flex-wrap:wrap;align-items:center;gap:17px 24px;margin-top:29px}.hero-scope{display:flex;flex-wrap:wrap;gap:8px 20px;margin-top:27px;max-width:470px;color:var(--muted);font-size:12px;line-height:1.6}.hero-scope span:before{content:'✓';color:var(--teal);margin-right:7px;font-weight:600}.hero-visual{position:relative;padding-bottom:53px}.hero-photo{width:100%;height:520px;object-fit:cover;object-position:51% 45%;border-radius:22px 22px 22px 80px}.service-selector{position:absolute;bottom:0;left:-23px;right:28px;background:white;border:1px solid var(--line);border-radius:13px;padding:19px 25px 10px;box-shadow:0 14px 35px #0a254013}.service-selector p{font-size:12px;line-height:1.5;font-weight:500;color:var(--muted);margin-bottom:8px}.service-selector a{display:flex;justify-content:space-between;gap:20px;padding:9px 0;color:var(--navy);text-decoration:none;border-top:1px solid var(--line);font:600 16px/1.4 var(--font-display)}.service-selector a:hover{color:var(--teal)}.service-selector a span:last-child{color:var(--teal)}
.section-heading{display:flex;justify-content:space-between;align-items:end;gap:65px;margin-bottom:34px}.section-heading>div:first-child{flex:1.15}.section-heading>div:last-child{flex:1;max-width:480px}.section-heading p:not(.eyebrow){font-size:15px}.section-heading .text-link{margin-top:10px;flex-shrink:0}.services-section{padding-block:76px}.service-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px}.service-card{display:flex;flex-direction:column;align-items:start;border:1px solid var(--line);padding:26px 23px 22px;border-radius:12px;text-decoration:none;color:var(--muted);background:white;transition:border-color .18s var(--ease),box-shadow .18s var(--ease)}.service-card:hover{border-color:#7bafb6;box-shadow:0 6px 18px #0a254009;color:var(--muted)}.service-number{font-size:10px;font-weight:600;letter-spacing:.075em;color:var(--teal-dark)}.service-card h3{font-size:23px;margin-top:20px;line-height:1.17}.service-card p{font-size:14px;line-height:1.75;margin-top:13px;margin-bottom:23px}.card-link{margin-top:auto;display:flex;justify-content:space-between;width:100%;gap:12px;font-size:12px;font-weight:600;color:var(--teal-dark);line-height:1.5}.card-link span{font-size:18px;line-height:1}.service-card-featured{background:var(--navy);border-color:var(--navy);color:#d2dfeb}.service-card-featured h3{color:white}.service-card-featured .service-number,.service-card-featured .card-link{color:#a7e1e2}.service-card-featured:hover{background:#12344f;color:#d2dfeb}
.operations-band{background:var(--pale);padding-block:76px}.operations-layout{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.03fr);gap:72px;align-items:center}.operations-photo img{width:100%;height:570px;object-fit:cover;object-position:center;border-radius:18px}.operations-photo figcaption{font-size:12px;margin-top:13px}.operations-copy>p:not(.eyebrow){margin-top:23px;font-size:15px}.work-items{display:grid;grid-template-columns:1fr 1fr;gap:24px 28px;margin-top:26px}.work-items>div{border-top:1px solid #c5d9e3;padding-top:15px}.work-items dt{font:700 19px/1.3 var(--font-display);color:var(--navy)}.work-items dd{margin:8px 0 0;font-size:13px;line-height:1.75}.operations-copy .text-link{margin-top:22px}
.claims-section{display:grid;grid-template-columns:minmax(0,.87fr) minmax(0,1.5fr);gap:65px;padding-block:77px}.claims-intro h2{font-size:34px}.claims-intro>p:not(.eyebrow){font-size:15px;margin-top:22px}.claims-options{display:grid;grid-template-columns:1fr 1fr;gap:28px}.claims-options>div{padding:24px;border:1px solid var(--line);border-radius:12px;background:var(--white)}.claims-options>div:last-child{background:var(--pale)}.claims-options h3{margin-top:18px}.claims-options p{font-size:14px;margin-top:18px}.claims-options .text-link{font-size:13px;margin-top:17px}
.specialties-band{background:var(--pale);padding-block:75px}.specialties-layout{display:grid;grid-template-columns:1fr 1fr;gap:90px}.specialties-intro>p:not(.eyebrow){font-size:15px;margin-top:22px;max-width:48ch}.specialties-intro>.text-link{margin-top:15px}.specialties-intro img{width:100%;height:245px;object-fit:cover;object-position:center 25%;border-radius:12px;margin-top:27px}.specialty-list{align-self:center;border-top:1px solid #c5d9e3}.specialty-list a{display:block;padding:22px 0;text-decoration:none;color:var(--muted);border-bottom:1px solid #c5d9e3}.specialty-list h3{font-size:23px;display:flex;justify-content:space-between;gap:24px}.specialty-list h3 span{color:var(--teal);font-weight:400}.specialty-list p{font-size:14px;margin-top:6px}.specialty-list a:hover h3{color:var(--teal-dark)}
.transition-section{padding-block:76px 82px}.transition-steps{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:34px;padding:0;list-style:none;margin-top:44px}.transition-steps li{border-top:2px solid var(--line);padding-top:19px;margin:0}.transition-steps li>span{font:600 30px/1 var(--font-display);color:var(--teal);display:block;margin-bottom:22px}.transition-steps h3{font-size:22px;max-width:18ch}.transition-steps p{font-size:14px;margin-top:13px}
.cost-band{background:var(--navy);color:#cddce9;padding-block:64px}.cost-layout{display:grid;grid-template-columns:1.15fr 1fr;gap:100px;align-items:center}.cost-layout>.cost-card{max-width:490px}.cost-band .eyebrow{color:#a8dcde}.cost-band h2{font-size:43px;color:white}.cost-band p:not(.eyebrow):not(.small){font-size:16px;margin-top:23px;max-width:48ch}.button-light{background:white;color:var(--navy);border-color:white;margin-top:28px}.button-light:hover{background:var(--aqua);color:var(--navy)}.cost-card{background:white;border-radius:16px;padding:32px;color:var(--muted)}.cost-card .eyebrow{color:var(--teal-dark)}.cost-card h3{font-size:28px}.cost-card ul{margin-top:20px;font-size:14px;line-height:1.6}.cost-card li{padding-left:3px}.cost-card a{display:block;margin-top:24px;padding-top:19px;border-top:1px solid var(--line);font-size:14px;font-weight:600;line-height:1.6;text-decoration:none}.cost-card a:hover{text-decoration:underline}.cost-card .small{font-size:12px;margin-top:10px}
.resources-section{padding-block:76px}.resource-grid{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,1fr);gap:26px}.resource-card{text-decoration:none;color:var(--muted);border:1px solid var(--line);border-radius:13px;overflow:hidden;background:white}.resource-card:hover{color:var(--muted);border-color:#7bafb6}.resource-research>div:last-child{padding:23px 28px 25px}.resource-research .resource-image{height:260px;overflow:hidden;background:var(--pale);border-bottom:1px solid var(--line);padding:15px 18px}.resource-image img{width:100%;height:100%;object-fit:contain}.resource-card .eyebrow{font-size:10px;margin-bottom:12px}.resource-card h3{font-size:27px;line-height:1.2}.resource-card p:not(.eyebrow){font-size:14px;line-height:1.7;margin-top:13px}.resource-card .text-link{font-size:13px;margin-top:17px}.resource-stack{display:grid;grid-template-rows:1fr 1fr;gap:22px}.resource-stack .resource-card{padding:27px 32px}.resource-stack .resource-card:last-child{background:var(--pale)}
.faq-band{padding-block:66px;background:var(--pale)}.home-faq{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:90px}.home-faq>div:first-child>p:not(.eyebrow){margin-top:22px;font-size:15px;max-width:35ch}.home-faq .text-link{margin-top:18px}.faq-accordions{border-top:1px solid #c5d9e3}.faq-accordions details{border-bottom:1px solid #c5d9e3}.faq-accordions summary{display:flex;justify-content:space-between;gap:25px;padding:21px 0;color:var(--navy);font:600 18px/1.4 var(--font-display)}.faq-accordions summary:after{content:'+';font-size:23px;line-height:1.2;color:var(--teal);font-weight:400}.faq-accordions details[open] summary:after{content:'−'}.faq-accordions details>p{font-size:14px;margin:0 25px 22px 0}.consultation-close{display:flex;align-items:center;justify-content:space-between;gap:60px;padding-block:67px 73px}.consultation-close>div:first-child{max-width:650px}.consultation-close p:not(.eyebrow){margin-top:19px;font-size:15px}.consultation-close>div:last-child{min-width:270px}.consultation-close .small-note{font-size:12px;line-height:1.7;margin-top:13px}
.site-footer{background:var(--navy);color:#bfcede;padding-top:53px}.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:48px;padding-bottom:44px}.site-footer .brand{color:white;font-size:23px}.site-footer .brand-mark{color:#a1dadd;border-color:#a1dadd}.site-footer .brand-descriptor{color:#b8ccdc;font-size:9px}.footer-about p{font-size:13px;line-height:1.9;max-width:28ch;margin-top:23px}.footer-grid h2{font-size:17px;letter-spacing:0;color:white;margin-bottom:17px}.footer-grid>div>a:not(.brand){display:block;font-size:12px;line-height:1.65;color:#c9d8e4;text-decoration:none;padding:5px 0}.footer-grid>div>a:hover{text-decoration:underline;color:white}.footer-grid>div>.footer-contact{margin-top:17px;color:#a8e0e1!important;font-weight:600}.footer-bottom{display:flex;flex-wrap:wrap;justify-content:space-between;gap:24px;border-top:1px solid #2b435a;padding-block:19px;font-size:11px;color:#b7c9d8}.footer-bottom a{color:#c9d8e4;text-decoration:none}
.breadcrumbs{display:flex;flex-wrap:wrap;gap:8px 12px;font-size:12px;line-height:1.7;padding-top:25px;color:var(--muted)}.breadcrumbs a{color:var(--teal-dark);text-decoration:none}.breadcrumbs a:hover{text-decoration:underline}.page-heading{padding-block:42px 50px;max-width:100%;border-bottom:1px solid var(--line);margin-bottom:42px}.page-heading h1{font-size:47px;max-width:23ch;line-height:1.12}.page-heading .lede{max-width:67ch;margin-top:22px;font-size:18px}.page-heading .button{margin-top:25px}.page-kind-service .page-heading{display:grid;grid-template-columns:minmax(0,1.2fr) minmax(0,1fr);align-items:center;gap:65px;background:var(--pale);border-radius:18px;border:0;padding:38px;margin-top:22px}.page-kind-service .page-heading h1{font-size:42px}.page-kind-service .page-heading .lede{font-size:16px}.service-hero-photo img{width:100%;height:330px;object-fit:cover;object-position:center;border-radius:12px}.service-hero-photo figcaption{font-size:12px;line-height:1.5;margin-top:12px}.page-kind-hub .page-heading:has(.service-hero-photo){display:grid;grid-template-columns:1.2fr 1fr;align-items:center;gap:60px}.article-layout{display:grid;grid-template-columns:240px minmax(0,1fr);align-items:start;gap:64px;padding-bottom:65px}.article-layout:not(:has(.toc)){grid-template-columns:minmax(0,1fr)}.article-layout:not(:has(.toc))>.article{max-width:none}.toc{position:sticky;top:115px;max-height:calc(100vh - 135px);overflow:auto;background:var(--pale);border-radius:12px;padding:23px 21px}.toc .eyebrow{margin-bottom:14px;font-size:11px}.toc ol{padding:0;list-style:none}.toc li{margin:0}.toc a{display:block;padding:8px 0;color:var(--muted);font-size:12px;line-height:1.65;text-decoration:none}.toc a:hover{color:var(--teal);text-decoration:underline}.article{max-width:850px;min-width:0}.article>section{padding-bottom:36px;margin-bottom:36px;border-bottom:1px solid var(--line);scroll-margin-top:110px}.article h2{font-size:31px;line-height:1.2;margin-bottom:20px}.article h3{font-size:23px;margin:28px 0 12px}.article p{font-size:16px;margin-bottom:18px}.article ul,.article ol{margin-block:18px 22px}.article li{font-size:15px;padding-left:4px}.article figure{margin-block:34px}.article figcaption{font-size:13px;margin-top:13px;color:var(--muted)}.article>figure img,.research-chart img{border-radius:10px;border:1px solid var(--line)}.article .faq dt{font:600 21px/1.35 var(--font-display);color:var(--navy);margin:26px 0 10px}.article .faq dd{font-size:15px;line-height:1.8;margin:0}.article .sources p,.article .sources li{font-size:13px;overflow-wrap:anywhere}.article .sources h2{font-size:24px}.article .related{background:var(--pale);border:1px solid var(--line);border-radius:12px;padding:27px}.article .related h2{font-size:24px}.article .related ul{margin-bottom:0}.table-wrap{overflow:auto;border:1px solid var(--line);border-radius:10px;margin-block:23px;max-width:100%}table{width:100%;border-collapse:collapse;text-align:left;line-height:1.65}th,td{padding:15px 18px;vertical-align:top;font-size:14px;border-bottom:1px solid var(--line);min-width:145px}th{font-weight:600;background:var(--pale);color:var(--navy)}tbody tr:last-child td{border-bottom:0}td+td,th+th{border-left:1px solid var(--line)}.table-hint{display:none}.service-list{display:grid;grid-template-columns:1fr 1fr;gap:16px}.service-row{display:flex;gap:16px;align-items:start;padding:24px;border:1px solid var(--line);border-radius:12px;text-decoration:none;color:var(--muted);min-width:0}.service-row:hover{border-color:#7bafb6;background:var(--pale);color:var(--muted)}.service-row strong{display:block;color:var(--navy);font:700 23px/1.2 var(--font-display)}.service-row .row-index{color:var(--teal);font-size:12px;font-weight:600}.service-row>span:last-child{margin-left:auto;color:var(--teal)}.row-description{display:block;font-size:14px;line-height:1.75;margin-top:12px}.article-layout:not(:has(.toc)) .article>section{padding-bottom:40px}.article-layout:not(:has(.toc)) .article>section>p{max-width:56ch}
.contact-layout{display:grid;grid-template-columns:minmax(0,1.4fr) minmax(0,1fr);gap:45px;align-items:start;padding-bottom:65px}.contact-form{background:white;border:1px solid var(--line);border-radius:16px;padding:32px;box-shadow:0 8px 30px #0a254008}.contact-form h2{font-size:30px}.contact-form>p{font-size:14px}.contact-preparation{background:var(--pale);padding:30px;border-radius:14px}.contact-preparation h2{font-size:25px}.contact-preparation p,.contact-preparation li{font-size:14px}.contact-preparation>.related{padding:0;border:0}.contact-preparation>section:last-of-type{margin-bottom:25px;padding-bottom:25px}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-block:24px}label{font-size:13px;font-weight:600;color:var(--navy);display:block}input:not([type=checkbox]):not([type=radio]),select,textarea{display:block;width:100%;margin-top:8px;min-height:49px;padding:11px 14px;border:1px solid #b7cbd8;border-radius:7px;background:white;color:var(--ink);font-size:15px;font-weight:400}textarea{resize:vertical;min-height:140px}.form-grid label:has(textarea){grid-column:1/-1}.quote-calculator{padding:27px;background:var(--pale);border:1px solid var(--line);border-radius:12px;margin-block:24px}.quote-calculator output{display:block;margin-top:24px;color:var(--navy);font:600 21px/1.5 var(--font-display)}.quote-calculator .small{font-size:12px!important;margin-top:20px}.article form p{font-size:14px}.article #no-phi{font-size:12px}.section{padding-block:60px}
@media(min-width:1060px){.main-menu:not([open])>.mobile-toggle{display:flex;align-items:center;gap:12px;min-height:48px;color:var(--navy);font:600 15px var(--font-display)}}
@media(max-width:1190px){.wrap{width:calc(100% - 48px)}.nav{gap:16px}.nav>a,.nav-dropdown>summary{font-size:14px}.brand{font-size:22px}.header-inner{gap:20px}.hero{gap:40px}.hero .hero-title{font-size:52px}.hero-photo{height:505px}.service-card{padding:23px 18px}.service-card h3{font-size:22px}.operations-layout{gap:45px}.specialties-layout{gap:60px}.claims-section{gap:35px;grid-template-columns:.85fr 1.4fr}.claims-options{gap:18px}.claims-options>div{padding:22px 19px}.cost-layout{gap:60px}.footer-grid{gap:30px}.article-layout{gap:38px;grid-template-columns:215px minmax(0,1fr)}.page-kind-service .page-heading{gap:36px;padding:30px}.page-kind-service .page-heading h1{font-size:39px}}
@media(max-width:1059px){.site-header{position:relative}.header-inner{min-height:78px}.mobile-toggle{display:flex;align-items:center;gap:12px;min-height:48px;color:var(--navy);font:600 15px var(--font-display)}.mobile-toggle span{font-size:23px}.main-menu[open]>.mobile-toggle{color:var(--teal)}.nav{position:absolute;left:-24px;right:-24px;top:100%;display:flex;flex-direction:column;align-items:stretch;gap:0;padding:15px 24px 24px;background:white;box-shadow:0 14px 25px #0a254010;border-bottom:1px solid var(--line);max-height:calc(100vh - 80px);overflow:auto;z-index:31}.nav>a,.nav-dropdown>summary{font-size:17px;min-height:53px;padding:10px 0;border-bottom:1px solid var(--line)}.nav .nav-action{align-self:start;margin:20px 0 0;padding:13px 22px;min-height:50px}.dropdown-panel{position:static;max-height:none;overflow:visible;box-shadow:none;border:0;border-radius:0;background:var(--pale);max-width:none;min-width:0;margin-block:0 12px}.mega-menu{padding:24px;gap:24px;grid-template-columns:1fr 1fr}.menu-group:last-of-type{grid-column:1/-1}.menu-group a,.compact-menu a{font-size:15px;min-height:42px}.compact-menu{padding:15px 24px}.menu-footer{flex-wrap:wrap;gap:10px}.hero{gap:35px;padding-block:48px 58px}.hero .hero-title{font-size:46px}.hero-intro{font-size:16px}.hero-photo{height:470px}.hero-actions{gap:13px 20px}.hero-scope{gap:7px 18px}.service-selector{left:-15px;right:15px;padding:17px 20px 9px}.service-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.service-card{padding:28px}.service-card h3{font-size:25px}.service-card p{font-size:15px}.service-card .card-link{font-size:13px}.claims-section{grid-template-columns:1fr;gap:30px}.claims-intro{display:grid;grid-template-columns:1fr 1fr;gap:15px 45px}.claims-intro .eyebrow{grid-column:1/-1;margin:0}.claims-intro>p:not(.eyebrow){margin-top:0;align-self:center}.claims-options{gap:25px}.claims-options>div{padding:29px}.claims-options h3 br{display:none}.home-faq{gap:45px}.transition-steps{gap:23px}.footer-grid{grid-template-columns:1fr 1fr 1fr;gap:32px}.footer-about{grid-column:1/-1;display:flex;align-items:center;justify-content:space-between;gap:35px}.footer-about p{margin:0;max-width:35ch}.footer-grid>div>.footer-contact{margin:0;max-width:20ch}.page-kind-service .page-heading{grid-template-columns:1.1fr 1fr}.page-kind-service .page-heading h1{font-size:36px}.service-hero-photo img{height:340px}.page-heading h1{font-size:42px}.article-layout{grid-template-columns:190px minmax(0,1fr);gap:30px}.toc{top:24px;max-height:calc(100vh - 48px);padding:20px 16px}.contact-layout{grid-template-columns:1fr}.contact-preparation{max-width:none}.contact-form{max-width:none}}
@media(max-width:800px){.hero{grid-template-columns:1fr;gap:32px;padding-block:40px 45px}.hero-copy{max-width:630px}.hero .hero-title{font-size:48px;max-width:18ch}.hero-copy .eyebrow{margin-bottom:18px}.hero-intro{max-width:58ch;margin-top:20px}.hero-visual{max-width:none;padding-bottom:0}.hero-photo{height:430px;border-radius:18px;object-position:center 37%}.service-selector{left:auto;right:20px;bottom:20px;width:350px;max-width:calc(100% - 40px)}.hero-scope{max-width:none;margin-top:20px}.section-heading{gap:35px}.section-heading h2{font-size:33px}.services-section,.operations-band,.specialties-band,.transition-section,.resources-section{padding-block:55px}.operations-layout{grid-template-columns:1fr;gap:35px}.operations-photo img{height:370px;object-position:center 45%}.operations-copy{max-width:670px}.operations-copy h2 br{display:none}.operations-photo figcaption{font-size:12px}.work-items{gap:23px 35px}.operations-copy>p:not(.eyebrow){font-size:16px}.work-items dd{font-size:14px}.specialties-layout{gap:40px;grid-template-columns:.95fr 1fr}.specialties-intro h2{font-size:33px}.specialties-intro img{height:220px}.specialty-list a{padding-block:18px}.specialty-list h3{font-size:21px}.specialty-list p{font-size:13px}.transition-steps{grid-template-columns:1fr 1fr;gap:32px}.transition-steps h3{max-width:none}.cost-layout{gap:35px}.cost-band h2{font-size:35px}.cost-card{padding:25px}.cost-band p:not(.eyebrow):not(.small){font-size:14px}.resource-grid{grid-template-columns:1fr 1fr;gap:20px}.resource-stack .resource-card{padding:25px}.resource-research>div:last-child{padding:22px}.resource-research .resource-image{height:260px;padding:7px}.resource-card h3{font-size:24px}.home-faq{grid-template-columns:1fr;gap:28px}.home-faq h2 br{display:none}.home-faq>div:first-child>p:not(.eyebrow){max-width:60ch}.consultation-close{gap:30px}.consultation-close h2{font-size:35px}.consultation-close>div:last-child{min-width:235px}.page-kind-service .page-heading,.page-kind-hub .page-heading:has(.service-hero-photo){grid-template-columns:1fr;gap:27px}.service-hero-photo img{height:320px}.article-layout{grid-template-columns:1fr;gap:35px}.toc{position:static;max-height:none}.toc ol{display:grid;grid-template-columns:1fr 1fr;gap:0 25px}.toc a{font-size:13px}.page-heading{margin-bottom:30px}.service-list{gap:15px}.service-row{padding:21px}.service-row strong{font-size:21px}.row-description{font-size:13px}}
@media(max-width:600px){.wrap{width:calc(100% - 40px)}.preview-notice{font-size:10px;padding:6px 10px}.header-inner{min-height:72px}.brand{font-size:21px;gap:8px}.brand-mark{flex-basis:32px;width:32px;height:35px;font-size:29px;border-radius:9px 9px 9px 2px}.brand-descriptor{font-size:8px;letter-spacing:.055em;margin-top:5px;white-space:normal;text-wrap:balance}.mobile-toggle{font-size:13px;gap:8px}.mobile-toggle span{font-size:21px}.nav{left:-20px;right:-20px;padding-inline:20px}.mega-menu{grid-template-columns:1fr;padding:21px;gap:23px}.menu-group:last-of-type{grid-column:auto}.menu-footer{grid-column:1;display:block}.menu-footer a{display:block;padding-block:6px}.hero{padding-block:31px 35px;gap:27px}.hero .hero-title{font-size:40px;max-width:16ch;line-height:1.09;letter-spacing:-.03em}.hero-copy .eyebrow{font-size:10px;letter-spacing:.06em;margin-bottom:15px}.hero-intro{font-size:15px;line-height:1.75;margin-top:19px}.hero-actions{gap:12px 20px;margin-top:22px}.button{min-height:49px;padding:12px 19px;font-size:15px;gap:20px}.hero-actions>.text-link{font-size:14px}.hero-scope{font-size:10px;gap:6px 15px;margin-top:18px}.hero-photo{height:300px;object-position:center 40%;border-radius:14px}.hero-visual{padding-bottom:0}.service-selector{position:relative;bottom:auto;left:auto;right:auto;width:calc(100% - 24px);max-width:none;margin:14px auto 0;padding:15px 18px 8px;border-radius:10px;box-shadow:0 8px 18px #0a25400b}.service-selector p{font-size:10px;margin-bottom:7px}.service-selector a{font-size:14px;padding:9px 0}.section-heading{display:block;margin-bottom:27px}.section-heading>div:last-child{margin-top:18px}.section-heading>.text-link{margin-top:17px}.section-heading h2,h2{font-size:31px;line-height:1.16}.eyebrow{font-size:10px;margin-bottom:13px}.section-heading p:not(.eyebrow){font-size:14px}.services-section,.operations-band,.specialties-band,.transition-section,.resources-section{padding-block:45px}.service-grid{grid-template-columns:1fr;gap:13px}.service-card{padding:23px}.service-card h3{font-size:25px;margin-top:13px}.service-card p{font-size:14px;margin-top:10px;margin-bottom:17px}.service-card .card-link{font-size:12px}.service-number{font-size:10px}.operations-layout{gap:27px}.operations-photo img{height:285px;border-radius:13px}.operations-photo figcaption{font-size:11px}.operations-copy>p:not(.eyebrow){font-size:14px;margin-top:18px}.work-items{gap:22px}.work-items dt{font-size:18px}.work-items dd{font-size:12px;line-height:1.7}.operations-copy .text-link{font-size:13px}.claims-section{padding-block:46px;gap:26px}.claims-intro{display:block}.claims-intro .eyebrow{margin-bottom:13px}.claims-intro h2{font-size:31px}.claims-intro>p:not(.eyebrow){margin-top:18px;font-size:14px}.claims-options{grid-template-columns:1fr;gap:16px}.claims-options>div{padding:25px}.claims-options h3{font-size:24px;margin-top:14px}.claims-options p{margin-top:14px}.claims-options .text-link{margin-top:12px}.specialties-layout{grid-template-columns:1fr;gap:29px}.specialties-intro h2{font-size:31px}.specialties-intro>p:not(.eyebrow){font-size:14px;margin-top:18px}.specialties-intro img{height:230px;margin-top:20px}.specialty-list a{padding:18px 0}.specialty-list h3{font-size:22px}.specialty-list p{font-size:13px;max-width:37ch}.transition-steps{gap:26px 20px;margin-top:28px}.transition-steps li{padding-top:15px}.transition-steps li>span{font-size:26px;margin-bottom:17px}.transition-steps h3{font-size:20px}.transition-steps p{font-size:12px;line-height:1.75}.cost-band{padding-block:43px}.cost-layout{grid-template-columns:1fr;gap:28px}.cost-band h2{font-size:34px}.cost-band p:not(.eyebrow):not(.small){margin-top:18px;font-size:14px}.cost-card{padding:25px;border-radius:12px}.cost-card h3{font-size:26px}.cost-card h3 br{display:none}.cost-card ul{font-size:13px}.cost-card a{font-size:13px}.resource-grid{grid-template-columns:1fr;gap:18px}.resource-research .resource-image{height:240px;padding:15px}.resource-research>div:last-child{padding:23px}.resource-card h3{font-size:25px}.resource-card p:not(.eyebrow){font-size:13px}.resource-stack{gap:18px}.resource-stack .resource-card{padding:25px}.faq-band{padding-block:44px}.home-faq{gap:25px}.home-faq>div:first-child>p:not(.eyebrow){font-size:14px;margin-top:17px}.home-faq .text-link{font-size:13px;margin-top:13px}.faq-accordions summary{font-size:17px;padding:19px 0;gap:20px}.faq-accordions details>p{font-size:13px;margin-right:12px}.consultation-close{display:block;padding-block:44px 48px}.consultation-close h2{font-size:32px}.consultation-close p:not(.eyebrow){font-size:14px;margin-top:16px}.consultation-close>div:last-child{margin-top:25px}.consultation-close .small-note{font-size:11px;line-height:1.7;margin-top:12px}.site-footer{padding-top:39px}.footer-grid{grid-template-columns:1fr 1fr;gap:30px 24px;padding-bottom:34px}.footer-about{display:block;grid-column:1/-1}.footer-about p{margin-top:20px;max-width:38ch}.footer-grid>div>.footer-contact{margin-top:12px;max-width:none}.footer-grid>div:last-child{grid-column:1/-1}.footer-grid h2{font-size:16px;margin-bottom:11px}.footer-grid>div>a:not(.brand){font-size:11px;padding:5px 0}.footer-grid>div:last-child{display:grid;grid-template-columns:1fr 1fr;column-gap:24px}.footer-grid>div:last-child h2{grid-column:1/-1}.footer-bottom{font-size:10px;gap:18px;align-items:start}.footer-bottom p{max-width:24ch}.footer-bottom a{white-space:nowrap}.breadcrumbs{font-size:10px;gap:4px 8px;padding-top:21px}.page-heading{padding-block:27px 30px;margin-bottom:28px}.page-heading h1{font-size:35px;line-height:1.1}.page-heading .lede{font-size:16px;margin-top:18px}.page-kind-service .page-heading{padding:24px 21px;gap:23px;margin-top:17px;border-radius:12px}.page-kind-service .page-heading h1{font-size:32px}.page-kind-service .page-heading .lede{font-size:14px;line-height:1.8}.service-hero-photo img{height:240px;border-radius:8px}.service-hero-photo figcaption{font-size:10px;line-height:1.6}.page-kind-hub .page-heading:has(.service-hero-photo){gap:23px}.toc{padding:20px}.toc ol{grid-template-columns:1fr}.toc a{font-size:12px;padding:7px 0}.article-layout{gap:29px;padding-bottom:40px}.article h2{font-size:27px;margin-bottom:17px}.article h3{font-size:22px}.article p{font-size:15px;line-height:1.8}.article li{font-size:14px}.article>section{padding-bottom:27px;margin-bottom:27px}.article .faq dt{font-size:20px}.article .faq dd{font-size:14px}.article .related{padding:23px}.article .related h2{font-size:23px}.article figure{margin-block:26px}.article figcaption{font-size:11px}.article .sources p,.article .sources li{font-size:12px}.table-hint{display:block;font-size:11px!important;color:var(--muted);margin-top:20px!important;margin-bottom:7px!important}.table-hint+.table-wrap{margin-top:0}th,td{padding:12px;font-size:12px;min-width:145px}.service-list{grid-template-columns:1fr}.service-row{padding:21px;gap:13px}.service-row strong{font-size:22px}.row-description{font-size:13px}.contact-layout{gap:25px;padding-bottom:40px}.contact-form,.contact-preparation{padding:23px;border-radius:12px}.contact-form h2{font-size:26px}.contact-form>p,.contact-preparation p,.contact-preparation li{font-size:13px}.contact-preparation h2{font-size:23px}.form-grid{grid-template-columns:1fr;gap:20px}.form-grid label:has(textarea){grid-column:auto}label{font-size:12px}input:not([type=checkbox]):not([type=radio]),select,textarea{font-size:16px;padding:11px 12px}.quote-calculator{padding:21px}.quote-calculator output{font-size:19px}.article form p{font-size:13px}.article #no-phi{font-size:11px}.section{padding-block:44px}}
@media(max-width:359px){.wrap{width:calc(100% - 32px)}.brand{font-size:18px}.brand-mark{flex-basis:28px;width:28px;height:31px;font-size:25px}.brand-descriptor{font-size:7px}.header-inner{gap:12px}.mobile-toggle{font-size:12px}.nav{left:-16px;right:-16px;padding-inline:16px}.hero .hero-title{font-size:36px}.hero-actions{gap:10px 15px}.hero-photo{height:260px}.work-items{grid-template-columns:1fr}.transition-steps{gap:26px 16px}.transition-steps h3{font-size:19px}.cost-card{padding:22px}.page-kind-service .page-heading{padding:22px 18px}.page-kind-service .page-heading h1{font-size:30px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{animation:none!important;transition:none!important}}
@media print{.preview-notice,.main-menu,.site-footer,.skip-link{display:none}.site-header{position:static}.wrap{width:100%;max-width:none}.article-layout{display:block}.toc{position:static}.hero-band,.cost-band,.service-card-featured{background:white;color:var(--ink)}.cost-band h2,.service-card-featured h3{color:var(--ink)}.button{background:none;color:var(--ink)}a{color:inherit}body{font-size:12pt}}

/* Reading system: compact decisions above, a calm and measurable reading column below. */
.hero .hero-title{max-width:18ch}
.hero-photo{height:480px;border-radius:16px}
.hero{padding-block:52px 64px}
.service-pathways{border-top:2px solid var(--navy)}
.service-pathway{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.25fr);gap:80px;padding:30px 0;border-bottom:1px solid var(--line)}
.service-pathway h3{font-size:27px}
.service-pathway p{font-size:16px;line-height:1.7;margin-top:10px;max-width:46ch}
.service-pathway ul{list-style:none;padding:0;display:grid;grid-template-columns:1fr 1fr;column-gap:34px;align-content:start}
.service-pathway li{margin:0}
.service-pathway a{display:flex;justify-content:space-between;gap:15px;align-items:center;min-height:48px;padding:8px 0;color:var(--navy);font-size:16px;text-decoration:none;border-bottom:1px solid var(--line)}
.service-pathway a:hover{color:var(--teal-dark);text-decoration:underline}
.service-pathway a span{color:var(--teal)}
.nav-chevron{display:inline-block;flex:0 0 7px;width:7px;height:7px;border-right:1.5px solid currentColor;border-bottom:1.5px solid currentColor;transform:rotate(45deg);margin:-4px 3px 0 10px;transition:transform .15s}
.nav-dropdown[open]>summary>.nav-chevron,details[open]>summary>.nav-chevron{transform:rotate(225deg);margin-top:3px}
.nav-dropdown>summary{gap:10px;min-height:48px}
.nav-dropdown>summary:hover{background:var(--pale)}
.page-heading.decision-hero,.page-kind-service .page-heading.decision-hero{display:grid;grid-template-columns:minmax(0,1fr) 300px;align-items:start;gap:64px;background:none;border-radius:0;border-bottom:1px solid var(--line);margin:0 0 40px;padding:40px 0 32px}
.decision-hero:not(:has(.page-facts)){grid-template-columns:minmax(0,1fr)}
.page-heading.decision-hero h1,.page-kind-service .page-heading.decision-hero h1{font-size:48px;line-height:1.1;max-width:23ch}
.page-heading.decision-hero .lede,.page-kind-service .page-heading.decision-hero .lede{font-size:18px;line-height:1.7;color:#334a5e;max-width:65ch;margin-top:20px}
.decision-hero .eyebrow{margin-bottom:14px}
.page-heading.decision-hero .button{margin-top:22px}
.page-facts{background:#f0f6f8;padding:24px;border-left:3px solid #cfdee7;margin-top:5px}
.page-facts summary,.toc-disclosure>summary,.figure-transcript>summary{display:flex;justify-content:space-between;align-items:center;gap:16px;color:var(--navy);font:600 16px/1.45 var(--font-display);min-height:32px}
.page-facts ul{padding-left:18px;font-size:14px;line-height:1.65;margin-top:16px;color:#334a5e}
.page-facts li+li{margin-top:14px}
.article-layout{grid-template-columns:232px minmax(0,1fr);gap:48px;align-items:start}
.article{max-width:66ch;font-size:18px;line-height:1.7;color:#334a5e}
.article p,.article li{font-size:18px;line-height:1.7}
.article p{margin-bottom:20px}
.article p+p{margin-top:0}
.article h2{font-size:32px;line-height:1.2;margin-bottom:22px}
.article h3{font-size:22px;line-height:1.3;margin:28px 0 12px;scroll-margin-top:120px}
.article>section{padding-bottom:40px;margin-bottom:40px;scroll-margin-top:120px}
.toc-disclosure{position:sticky;top:112px;max-height:calc(100dvh - 135px);overflow:auto;border-top:2px solid var(--navy);border-bottom:1px solid var(--line);padding:14px 0;background:white}
.toc-disclosure>summary{padding:2px 2px 12px}
.toc{position:static;max-height:none;overflow:visible;background:none;border-radius:0;padding:0}
.toc ol{display:block;margin:0;padding:0;list-style:none}
.toc a{font-size:13px;line-height:1.45;padding:9px 8px;color:#52687a;border-left:2px solid transparent}
.toc a[aria-current]{color:#0a2540;background:#f0f6f8;border-left-color:#007984;font-weight:600}
.toc ol ol{padding-left:12px;border-left:1px solid var(--line);margin:0 0 8px 10px}
.toc ol ol a{font-size:12px;line-height:1.5;padding-block:6px}
.article .faq dt{font-size:22px;margin-top:30px}
.article .faq dd{font-size:17px;line-height:1.75}
.article th,.article td{font-size:15px;line-height:1.65;padding:17px 18px;min-width:175px}
.article .table-wrap{border-radius:0;margin-block:24px}
.article .table-hint{font-size:12px!important}
.article .table-hint+.table-wrap{margin-top:8px}
.article .sources p,.article .sources li{font-size:14px}
.article figcaption{font-size:13px;line-height:1.65}
.workflow-figure{background:#f0f6f8;border:1px solid var(--line)}
.workflow-figure figcaption{padding:0 20px 16px}
.figure-transcript{border-top:1px solid var(--line);padding:12px 20px}
.figure-transcript>summary{font-size:14px}
.article .figure-transcript li{font-size:14px;line-height:1.6}
.figure-transcript li span{display:block;color:#52687a}
.section-example{padding:24px;background:#f0f6f8;border-left:3px solid #c7d9e3;margin-block:28px}
.section-example h3:first-child{margin-top:0}
.section-example p:last-child{margin-bottom:0}
.article .related{padding:28px;border-radius:0}
.article .related li{font-size:16px}
.page-kind-hub .article-layout>.article{max-width:none}
.page-kind-hub .article>section>p{max-width:66ch}
.service-list{gap:0 40px}
.service-row{border:0;border-bottom:1px solid var(--line);border-radius:0;padding:24px 0}
.service-row:hover{border-color:#7bafb6;background:none}
.service-row h3{font-size:24px;margin:0}
.service-row .row-description{font-size:16px;line-height:1.65;margin-top:10px}
.service-row .row-index{display:none}
.specialty-directory{display:grid;grid-template-columns:1fr 1fr;gap:0 48px}
.specialty-directory section{padding:28px 0;border-top:1px solid var(--line)}
.specialty-directory h3{font-size:26px;margin:0 0 12px}
.specialty-directory p{font-size:17px;line-height:1.7;max-width:50ch}
.specialty-directory a{font-size:16px}
@media(max-width:1059px){
 .service-pathway{gap:40px;grid-template-columns:1fr 1.3fr}
 .page-heading.decision-hero,.page-kind-service .page-heading.decision-hero{grid-template-columns:minmax(0,1fr);gap:22px}
 .page-facts{margin-top:0;padding:14px 20px}
 .page-facts ul{margin-bottom:8px}
 .article-layout{grid-template-columns:minmax(0,1fr);gap:30px}
 .article{max-width:66ch}
 .toc-disclosure{position:static;max-height:none;padding:10px 0}
 .toc-disclosure>summary{padding:5px 0;min-height:36px}
 .toc{padding-top:12px}
 .toc ol{display:block}
 .toc a{font-size:15px;padding-block:10px}
 .toc ol ol a{font-size:14px}
}
@media(max-width:600px){
 .hero{padding-block:32px 40px}
 .hero-photo{height:300px}
 .service-pathway{grid-template-columns:1fr;gap:18px;padding-block:26px}
 .service-pathway h3{font-size:25px}
 .service-pathway ul{grid-template-columns:1fr}
 .page-heading.decision-hero,.page-kind-service .page-heading.decision-hero{padding:27px 0 26px;margin:0 0 22px;gap:20px}
 .page-heading.decision-hero h1,.page-kind-service .page-heading.decision-hero h1{font-size:36px;line-height:1.12}
 .page-heading.decision-hero .lede,.page-kind-service .page-heading.decision-hero .lede{font-size:17px;line-height:1.65;margin-top:18px}
 .decision-hero .eyebrow{margin-bottom:12px}
 .page-facts{padding:10px 16px}
 .page-facts summary{font-size:15px;min-height:30px}
 .article-layout{gap:26px;padding-bottom:44px}
 .article{font-size:17px;max-width:100%}
 .article p,.article li{font-size:17px;line-height:1.75}
 .article h2{font-size:28px;line-height:1.2;margin-bottom:18px}
 .article h3{font-size:21px;margin-top:27px}
 .article>section{padding-bottom:32px;margin-bottom:32px}
 .article .faq dt{font-size:21px}
 .article .faq dd{font-size:16px}
 .article th,.article td{font-size:15px;padding:15px;min-width:165px}
 .article figcaption{font-size:12px}
 .article .related{padding:22px}
 .article .related li{font-size:15px}
 .section-example{padding:20px}
 .service-list,.specialty-directory{grid-template-columns:1fr}
 .service-row h3{font-size:23px}
 .service-row .row-description{font-size:16px}
 .specialty-directory section{padding:24px 0}
 .specialty-directory h3{font-size:25px}
 .specialty-directory p{font-size:17px}
}
@media print{.toc-disclosure{display:none}.article-layout{display:block}.article{max-width:none}.decision-hero{display:block!important}.page-facts{display:none}.article p,.article li{font-size:12pt}}
/* Data-driven hub listings ("listing" sections): hub rows as a semantic list under menu-style group labels. */
.page-listing{list-style:none;padding:0}
.article .page-listing{margin-block:0}
.article .page-listing li{display:grid;margin:0;padding:0}
.article h3.listing-group{margin:36px 0 0;padding-top:16px;border-top:2px solid var(--navy);color:var(--teal-dark);font:600 12px/1.5 var(--font-body);letter-spacing:.09em;text-transform:uppercase}

/* Conversion core (2 October 2026): homepage, /pricing/ and /free-billing-audit/. Homepage-only and new
   commercial-template classes; no inner-page template rule changes. Geometry inherited from
   stripe-rate-split-panels (plan panels, guarantee pair), stripe-receipt-kv-panel (rate and map cards) and
   basecamp-plan-panel (value stack rows ending on exclusions). */
.visually-hidden{position:absolute!important;width:1px;height:1px;margin:-1px;padding:0;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0}

/* Hero: the offer H1, its compact terms line, one primary action; the overlapping card is the rate object. */
.hero .hero-title{font-size:58px;line-height:1.07;max-width:none}
.hero-copy .eyebrow{margin-bottom:18px}
.hero-terms{margin-top:20px;padding-left:16px;border-left:2px solid var(--teal);font-size:15px;line-height:1.6;color:#334a5e;max-width:56ch}
.hero-intro{margin-top:20px;font-size:18px;line-height:1.65;color:#334a5e;max-width:50ch}
.hero-actions{margin-top:26px}
.hero-cta-sub{margin-top:12px;font-size:14px;line-height:1.5;color:#52687a}
.rate-receipt{position:absolute;right:0;bottom:0;width:300px;max-width:100%;background:#fff;border:1px solid var(--line);border-radius:12px;padding:22px 24px 6px;box-shadow:0 1px 2px #0a25400f,0 12px 28px #0a254014}
.receipt-status{font-size:12px;line-height:1.5;font-weight:600;letter-spacing:.09em;text-transform:uppercase;color:var(--teal-dark)}
.receipt-amount{margin-top:6px;font:700 46px/1.05 var(--font-display);letter-spacing:-.03em;color:var(--navy)}
.receipt-unit{margin-top:8px;font-size:15px;line-height:1.5;color:#334a5e}
.receipt-rows{margin-top:16px;border-top:1px solid var(--line)}
.receipt-rows>div{display:flex;justify-content:space-between;align-items:baseline;gap:16px;padding:10px 0;border-bottom:1px solid var(--line);font-size:15px;line-height:1.45}
.receipt-rows dt{flex:none;color:#52687a}
.receipt-rows dd{margin:0;text-align:right;color:var(--navy);font-weight:600}
.receipt-link{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:48px;font:600 15px/1.3 var(--font-display);color:var(--teal-dark);text-decoration:none}
.receipt-link:hover{color:var(--navy);text-decoration:underline}

/* Urgency statement (sourced). */
.urgency-band{padding-block:40px;border-bottom:1px solid var(--line)}
.urgency-layout{display:grid;grid-template-columns:minmax(0,232px) minmax(0,1fr);gap:48px;align-items:start}
.urgency-band h2.eyebrow{margin:7px 0 0;font:600 12px/1.5 var(--font-body);letter-spacing:.09em}
.urgency-line{font:500 22px/1.5 var(--font-display);letter-spacing:-.01em;color:var(--navy);max-width:62ch}
.urgency-sources{margin-top:12px;font-size:14px;line-height:1.6;color:#52687a}
.urgency-sources a{color:var(--teal-dark)}

/* Offer block and value stack. */
.offer-section{padding-block:80px 76px}
.offer-head{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(0,1fr);gap:64px;align-items:end;margin-bottom:36px}
.offer-head h2{font-size:39px;line-height:1.14;max-width:20ch}
.offer-terms{margin-top:18px;padding-left:16px;border-left:2px solid var(--teal);font-size:15px;line-height:1.6;color:#334a5e;max-width:62ch}
.offer-lead{font-size:18px;line-height:1.65;color:#334a5e;max-width:46ch}
.stack-table{width:100%;border-collapse:collapse;border-top:2px solid var(--navy)}
.stack-table th,.stack-table td{min-width:0;border-left:0;background:none;vertical-align:top;text-align:left}
.stack-table thead th{padding:14px 28px 12px 0;font:600 12px/1.5 var(--font-body);letter-spacing:.08em;text-transform:uppercase;color:var(--teal-dark);border-bottom:1px solid var(--line)}
.stack-table tbody th{width:25%;padding:24px 28px 24px 0;font:700 18px/1.3 var(--font-display);letter-spacing:-.01em;color:var(--navy);border-bottom:1px solid var(--line)}
.stack-solves{display:block;margin-top:8px;font:400 14px/1.55 var(--font-body);letter-spacing:0;color:#52687a}
.stack-table tbody td{padding:24px 28px 24px 0;font-size:15px;line-height:1.65;color:#334a5e;border-bottom:1px solid var(--line)}
.stack-table tbody td:last-child{width:25%;padding-right:0;font-size:14px}
.stack-terms{display:block;margin-top:12px;padding-left:12px;border-left:2px solid #cfdee7;font-size:14px;line-height:1.6;color:#52687a}
.stack-table .stack-excluded{background:var(--pale)}
.stack-table .stack-excluded th{padding-left:20px;border-bottom:0}
.stack-table .stack-excluded td{padding-right:20px}
.stack-excluded th:before{content:'✕';margin-right:10px;color:#a33a2c;font-weight:600}
.offer-price{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:48px;margin-top:36px;padding:28px 32px;background:var(--pale);border-radius:8px}
.price-label{font-size:12px;line-height:1.5;font-weight:600;letter-spacing:.09em;text-transform:uppercase;color:var(--teal-dark)}
.price-line,.price-example{margin-top:10px;font:600 18px/1.5 var(--font-display);color:var(--navy)}
.bonus-block{margin-top:48px}
.bonus-list{list-style:none;padding:0;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:28px;margin-top:16px}
.bonus-list li{margin:0;padding-top:18px;border-top:2px solid var(--navy)}
.bonus-list h3{font-size:22px;line-height:1.2}
.bonus-list p{margin-top:10px;font-size:15px;line-height:1.6;color:#334a5e}
.bonus-list .bonus-anchor{margin-top:12px;font-size:14px;color:#52687a}
.offer-cta{display:flex;flex-wrap:wrap;align-items:center;gap:14px 24px;margin-top:48px;padding-top:32px;border-top:1px solid var(--line)}
.offer-cta p{font-size:14px;line-height:1.5;color:#52687a}

/* Rate card. Below 640px each specialty row becomes a block whose cells repeat their size label (V42/V176). */
.rates-band{background:var(--pale);padding-block:80px}
.rates-layout{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.45fr);gap:64px;align-items:start}
.rates-intro h2{font-size:39px;line-height:1.14}
.rates-intro>p:not(.eyebrow){margin-top:18px;font-size:16px;line-height:1.7;color:#334a5e}
.rates-intro .text-link{margin-top:14px}
.rates-panel{min-width:0;background:#fff;border-radius:8px;padding:8px 28px 12px;box-shadow:0 1px 2px #0a25400f,0 12px 28px #0a254014}
.rate-table{width:100%;border-collapse:collapse}
.rate-table caption{caption-side:top;text-align:left;padding:18px 0 12px;font-size:14px;line-height:1.5;color:#52687a}
.rate-table th,.rate-table td{min-width:0;border-left:0;background:none;padding:15px 12px;vertical-align:middle}
.rate-table thead th{font:600 12px/1.4 var(--font-body);letter-spacing:.06em;text-transform:uppercase;color:var(--teal-dark);border-bottom:2px solid var(--navy);text-align:right}
.rate-table thead th:first-child{text-align:left;padding-left:0}
.rate-table tbody th{padding-left:0;font:600 18px/1.3 var(--font-display);color:var(--navy);text-align:left}
.rate-table tbody th span{display:block;margin-top:4px;font:400 14px/1.5 var(--font-body);color:#52687a}
.rate-table td{text-align:right;font:700 22px/1 var(--font-display);letter-spacing:-.01em;color:var(--navy);font-variant-numeric:tabular-nums}
.rate-table tbody tr:last-child th{border-bottom:0}

/* In-house comparison (navy band). */
.cost-sources{margin-top:16px;font-size:14px;line-height:1.6;color:#b9cbdb}
.cost-sources a{color:#a8dcde}
.cost-band .cost-card h3{font-size:28px}
.cost-card a+a{margin-top:0}
.cost-band .cost-card a{display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:48px;padding-block:12px}

/* Specialty directory, generated from page data. */
.specialties-layout{grid-template-columns:minmax(0,.7fr) minmax(0,1.6fr);gap:64px}
.specialty-groups{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:32px;align-content:start}
.specialty-group h3{padding-bottom:10px;border-bottom:2px solid var(--navy);font:600 12px/1.5 var(--font-body);letter-spacing:.09em;text-transform:uppercase;color:var(--teal-dark)}
.specialty-group ul{list-style:none;padding:0}
.specialty-group li{margin:0}
.specialty-group a{display:flex;justify-content:space-between;align-items:center;gap:12px;min-height:46px;padding:8px 0;border-bottom:1px solid #c5d9e3;color:var(--navy);font:600 16px/1.35 var(--font-display);text-decoration:none}
.specialty-group a:after{content:'→';color:var(--teal);font-weight:400}
.specialty-group a:hover{color:var(--teal-dark);text-decoration:underline}

/* Guarantee pair: the plan-panel geometry, deadline guarantee inverted to navy. */
.guarantee-section{padding-block:80px}
.guarantee-pair{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}
.guarantee{display:flex;flex-direction:column;min-width:0;padding:34px 32px 26px;border:1px solid var(--line);border-radius:8px;background:#fff;color:#334a5e;box-shadow:0 1px 2px #0a25400f,0 12px 28px #0a254014}
.guarantee-kicker{font-size:12px;line-height:1.5;font-weight:600;letter-spacing:.09em;text-transform:uppercase;color:var(--teal-dark)}
.guarantee h3{margin-top:10px;font-size:28px;line-height:1.2}
.guarantee-promise{margin-top:14px;font:600 18px/1.5 var(--font-display);color:var(--navy)}
.guarantee-terms{margin-top:20px;padding:16px 18px;border-radius:6px;background:var(--pale)}
.terms-label{font-size:12px;line-height:1.5;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--teal-dark)}
.guarantee-terms p+p{margin-top:6px;font-size:15px;line-height:1.6}
.guarantee-facts{margin-top:18px}
.guarantee-facts>div{padding:12px 0;border-top:1px solid var(--line)}
.guarantee-facts dt{font-size:12px;line-height:1.5;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:#52687a}
.guarantee-facts dd{margin:4px 0 0;font-size:15px;line-height:1.6}
.guarantee-dark{background:var(--navy);border-color:var(--navy);color:#c9d8e4}
.guarantee-dark .guarantee-kicker,.guarantee-dark .terms-label{color:#a8dcde}
.guarantee-dark h3,.guarantee-dark .guarantee-promise{color:#fff}
.guarantee-dark .guarantee-terms{background:#1f4468}
.guarantee-dark .guarantee-facts>div{border-color:#2f5274}
.guarantee-dark .guarantee-facts dt{color:#a8bfd3}
.proof-line{margin-top:28px;padding-top:20px;border-top:1px solid var(--line);font-size:16px;line-height:1.65;color:#334a5e;max-width:72ch}

/* Switching section reuses the operations band; longer terms need a readable step. */
.operations-copy .work-items dd{font-size:14px;line-height:1.7;color:#334a5e}

/* Service pathways and resource tiles: links render from markup; a page not built yet (unwrapped link) is hidden. */
.service-pathway a:after{content:'→';color:var(--teal)}
.service-pathway li:not(:has(a)),.resource-tiles li:not(:has(a)){display:none}
.resources-band{padding-block:80px;border-top:1px solid var(--line)}
.resource-tiles{list-style:none;padding:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:16px}
.resource-tiles li{display:flex;margin:0}
.resource-tiles a{display:flex;flex-direction:column;width:100%;padding:26px 24px;border:1px solid var(--line);border-radius:8px;background:#fff;color:#334a5e;text-decoration:none}
.resource-tiles a:hover{border-color:#7bafb6;color:#334a5e}
.resource-tiles a:hover h3{text-decoration:underline}
.tile-label{font-size:12px;line-height:1.5;font-weight:600;letter-spacing:.09em;text-transform:uppercase;color:var(--teal-dark)}
.resource-tiles h3{margin-top:12px;font-size:22px;line-height:1.25}
.resource-tiles p{margin-top:10px;font-size:15px;line-height:1.6}
.faq-accordions details>p{font-size:15px;line-height:1.7;color:#334a5e}
.audit-terms-note{margin-top:12px;font-size:14px;line-height:1.6;color:#52687a;max-width:56ch}
/* 44px targets: homepage text links (homepage-only class) and, on the two templates only, list links in shared components. */
.text-link{display:inline-flex;align-items:center;min-height:44px}
.page-template .breadcrumbs{align-items:center}
.page-template .breadcrumbs a{display:inline-flex;align-items:center;min-height:44px;padding:0 8px;margin:0 -8px}
.tpl-tail .related li a,.tpl-tail .sources li a{display:inline-flex;align-items:center;min-height:44px}
.tpl-tail .related li+li,.tpl-tail .sources li+li{margin-top:0}

/* Commercial templates (/pricing/, /free-billing-audit/). */
.page-template>.wrap:first-child{padding-bottom:8px;background:var(--pale);outline:100vmax solid var(--pale);clip-path:inset(0 -100vmax)}
.template-fold{background:var(--pale);padding-block:24px 64px;border-bottom:1px solid var(--line)}
.pricing-head{display:grid;grid-template-columns:minmax(0,8fr) minmax(0,4fr);gap:48px;align-items:start;padding-top:16px}
.pricing-head h1,.audit-hero .audit-title{font-size:48px;line-height:1.1;letter-spacing:-.03em;max-width:22ch}
.audit-hero .audit-title{max-width:18ch}
.pricing-head-side>p:first-child{font-size:18px;line-height:1.65;color:#334a5e;max-width:60ch}
.pricing-head-side .button{margin-top:20px}
.plan-panels{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px;margin-top:34px}
.plan-panel{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));min-height:287px;border-radius:8px;background:#fff;overflow:hidden;box-shadow:0 1px 2px #0a25400f,0 12px 28px #0a254014}
.plan-copy{display:flex;flex-direction:column;align-items:flex-start;min-width:0;padding:34px 32px 22px}
.plan-copy h2{font-size:28px;line-height:1.3;letter-spacing:-.015em}
.plan-copy p{margin-top:10px;font-size:15px;line-height:1.6;color:#334a5e}
.plan-copy .plan-amount-inline{margin-top:6px;font:700 36px/1.1 var(--font-display);letter-spacing:-.02em;color:#fff}
.plan-dark .plan-copy .plan-amount-inline span{display:block;margin-top:6px;font:400 15px/1.5 var(--font-body);letter-spacing:0;color:#c3d1de}
.plan-copy .text-link{margin-top:auto;padding-top:16px}
.plan-rate{display:flex;padding:4px 4px 4px 0}
.plan-rate>div{flex:1;display:grid;place-content:center;padding:16px;border-radius:4px;background:var(--aqua);text-align:center}
.plan-amount{font:700 36px/1.1 var(--font-display);letter-spacing:-.02em;color:var(--navy)}
.plan-rate p+p{margin-top:8px;font-size:15px;line-height:1.5;color:#334a5e}
.plan-dark{background:var(--navy)}
.plan-dark h2{color:#fff}
.plan-dark .plan-copy p:not(.plan-amount-inline){color:#c3d1de}
.plan-dark .text-link{color:#a8dcde}
.plan-tiles{list-style:none;margin:0;padding:4px 4px 4px 0;display:grid;grid-template-rows:repeat(4,1fr);gap:4px}
.plan-tiles li{display:grid;place-items:center;margin:0;padding:8px 14px;background:#1f4468;color:#fff;font-size:15px;line-height:1.35;text-align:center}
.plan-tiles li:first-child{border-radius:0 4px 0 0}
.plan-tiles li:last-child{border-radius:0 0 4px 0}
.pricing-subnav{display:flex;flex-wrap:wrap;justify-content:center;gap:4px;width:fit-content;max-width:100%;margin:24px auto 0;padding:4px 8px;border-radius:28px;background:#fff;box-shadow:0 1px 2px #0a25400f,0 12px 28px #0a254014}
.pricing-subnav a{display:flex;align-items:center;min-height:44px;padding:0 14px;border-radius:22px;color:var(--navy);font:600 15px/1.2 var(--font-display);text-decoration:none}
.pricing-subnav a:hover{background:var(--pale);color:var(--teal-dark)}
.tpl-section{padding-block:72px;scroll-margin-top:110px}
.tpl-section+.tpl-section{border-top:1px solid var(--line)}
.tpl-section .section-heading h2,.premium-band h2,.compare-band h2{font-size:39px;line-height:1.14}
.rate-card-layout{display:grid;grid-template-columns:minmax(0,1.45fr) minmax(0,1fr);gap:48px;align-items:start}
.rate-notes p{font-size:16px;line-height:1.7;color:#334a5e}
.rate-notes p+p{margin-top:14px}
.rate-notes .research-chart{margin-top:24px}
.page-template .research-chart img{border:1px solid var(--line);border-radius:8px}
.page-template .research-chart figcaption{margin-top:10px;font-size:14px;line-height:1.6;color:#52687a}
.kv-sheet{border-top:2px solid var(--navy)}
.kv-sheet>div{display:grid;grid-template-columns:minmax(0,220px) minmax(0,1fr);gap:24px;padding:18px 0;border-bottom:1px solid var(--line)}
.kv-sheet dt{font:600 18px/1.4 var(--font-display);color:var(--navy)}
.kv-sheet dd{margin:0;font-size:16px;line-height:1.65;color:#334a5e}
.term-columns{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:32px}
.term-columns>div{min-width:0;padding-top:18px;border-top:2px solid var(--navy)}
.term-columns h3{font-size:22px}
.term-columns p{margin-top:10px;font-size:16px;line-height:1.65;color:#334a5e}
.term-columns .terms-note{font-size:14px;color:#52687a}
.handover-line{margin-top:28px;font-size:16px;line-height:1.65;color:#334a5e}
.handover-line strong{color:var(--navy)}
.premium-band{padding-block:72px;background:var(--navy);color:#c9d8e4;scroll-margin-top:110px}
.premium-band .eyebrow{color:#a8dcde}
.premium-band h2{color:#fff}
.premium-layout{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.3fr);gap:64px;align-items:start}
.premium-rate{margin-top:16px;font:700 46px/1.05 var(--font-display);letter-spacing:-.03em;color:#fff}
.premium-rate span{display:block;margin-top:6px;font:400 16px/1.5 var(--font-body);letter-spacing:0;color:#c9d8e4}
.premium-band p:not(.eyebrow):not(.premium-rate){margin-top:16px;font-size:18px;line-height:1.7}
.standalone-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.standalone{display:flex;flex-direction:column;min-width:0;padding:30px 28px 22px;border:1px solid var(--line);border-radius:8px;background:#fff}
.standalone h3{font-size:22px}
.price-pill{margin-top:10px;font:600 22px/1.3 var(--font-display);color:var(--navy)}
.standalone p:not(.price-pill){margin-top:12px;font-size:15px;line-height:1.65;color:#334a5e}
.standalone .text-link,.standalone .standalone-link{margin-top:auto;padding-top:14px}
.standalone-link a{font-weight:600}
.compare-band{padding-block:72px;background:var(--pale);scroll-margin-top:110px}
.compare-layout{display:grid;grid-template-columns:minmax(0,1.2fr) minmax(0,1fr);gap:64px;align-items:start}
.compare-layout>div>p:not(.eyebrow){margin-top:18px;font-size:18px;line-height:1.7;color:#334a5e}
.compare-band .cost-sources{color:#52687a}
.compare-band .cost-sources a{color:var(--teal-dark)}
.compare-card{padding:28px;border-radius:8px;background:#fff;box-shadow:0 1px 2px #0a25400f,0 12px 28px #0a254014}
.compare-card p{font:600 18px/1.5 var(--font-display);color:var(--navy)}
.compare-card a{display:flex;justify-content:space-between;gap:16px;min-height:48px;align-items:center;margin-top:12px;padding-top:12px;border-top:1px solid var(--line);font-size:15px;font-weight:600;line-height:1.4;text-decoration:none}
.compare-card a:hover{text-decoration:underline}
.tpl-tail{padding-block:24px 8px}
.tpl-tail .article{max-width:none}
.tpl-tail .article>section,.tpl-tail .article>aside{display:grid;grid-template-columns:minmax(0,.62fr) minmax(0,1.38fr);gap:0 48px;align-items:start}
.tpl-tail .article>section>:not(h2),.tpl-tail .article>aside>:not(h2){grid-column:2;max-width:34em}
.tpl-tail .article .faq dt:first-child{margin-top:0}
.audit-hero{display:grid;grid-template-columns:minmax(0,1.2fr) minmax(0,.8fr);gap:64px;align-items:center;padding-top:32px}
.audit-hero .lede{margin-top:20px;font-size:18px;line-height:1.65;color:#334a5e;max-width:56ch}
.audit-hero .button{margin-top:26px}
.map-receipt{min-width:0;padding:26px 28px 10px;border-radius:8px;background:#fff;box-shadow:0 1px 2px #0a25400f,0 12px 28px #0a254014}
.map-wrap{min-width:0}
.map-columns{width:100%;border-collapse:collapse;border-top:2px solid var(--navy)}
.map-columns caption{caption-side:bottom;text-align:left;padding-top:14px;font-size:14px;line-height:1.6;color:#52687a}
.map-columns th,.map-columns td{min-width:0;border-left:0;background:none;padding:16px 18px 16px 0;vertical-align:top;text-align:left}
.map-columns th{font:600 16px/1.35 var(--font-display);color:var(--navy);border-bottom:1px solid var(--line)}
.map-columns td{font-size:15px;line-height:1.6;color:#334a5e}
.need-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:32px}
.need-grid>div{min-width:0;padding-top:18px;border-top:2px solid var(--navy)}
.need-grid h3{font-size:22px}
.need-grid p{margin-top:10px;font-size:16px;line-height:1.7;color:#334a5e}
.transition-steps.steps-3{grid-template-columns:repeat(3,minmax(0,1fr));margin-top:0}
.transition-steps.steps-3 p{font-size:15px;line-height:1.65;color:#334a5e}
.tpl-section .urgency-line{margin-bottom:4px}

@media(max-width:1279px){
 .hero-visual{padding-bottom:200px}
}
@media(max-width:1190px){
 .hero .hero-title{font-size:52px}
}
@media(max-width:1059px){
 .hero .hero-title{font-size:46px}
 .pricing-head h1,.audit-hero .audit-title{font-size:44px}
 .offer-head,.rates-layout,.specialties-layout,.pricing-head,.rate-card-layout,.premium-layout,.compare-layout,.audit-hero{grid-template-columns:minmax(0,1fr);gap:28px}
 .tpl-tail .article>section,.tpl-tail .article>aside{display:block}
 .offer-head h2{font-size:36px}
 .bonus-list{grid-template-columns:repeat(2,minmax(0,1fr))}
 .plan-panels{grid-template-columns:minmax(0,1fr)}
 .rate-receipt{width:300px}
 .hero-visual{padding-bottom:260px}
}
@media(max-width:860px){
 .guarantee-pair,.term-columns,.standalone-grid,.need-grid{grid-template-columns:minmax(0,1fr)}
 .specialty-groups{grid-template-columns:repeat(2,minmax(0,1fr))}
 .map-columns,.map-columns tbody,.map-columns tr,.map-columns td{display:block}
 .map-columns thead{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
 .map-columns thead th{display:block}
 .map-columns caption{display:block}
 .map-columns td{padding:14px 0;border-bottom:1px solid var(--line)}
 .map-columns td:before{content:attr(data-label);display:block;margin-bottom:4px;font:600 16px/1.35 var(--font-display);color:var(--navy)}
}
@media(max-width:800px){
 .hero .hero-title{font-size:42px}
 .hero-visual{padding-bottom:0}
 .rate-receipt{position:relative;right:auto;bottom:auto;width:auto;max-width:440px;margin:-64px 20px 0}
 .urgency-layout{grid-template-columns:minmax(0,1fr);gap:10px}
 .urgency-band h2.eyebrow{margin:0}
 .offer-price{grid-template-columns:minmax(0,1fr);gap:20px;padding:24px}
 .stack-table,.stack-table tbody,.stack-table tr,.stack-table th,.stack-table td{display:block}
 .stack-table thead{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
 .stack-table tr{padding:20px 0;border-bottom:1px solid var(--line)}
 .stack-table tbody th,.stack-table tbody td,.stack-table tbody td:last-child{width:auto;padding:0;border:0}
 .stack-table tbody td{margin-top:14px}
 .stack-table td:before{content:attr(data-label);display:block;margin-bottom:4px;font:600 12px/1.5 var(--font-body);letter-spacing:.08em;text-transform:uppercase;color:var(--teal-dark)}
 .stack-table .stack-excluded{padding:20px}
 .stack-table .stack-excluded th,.stack-table .stack-excluded td{padding:0}
 .kv-sheet>div{grid-template-columns:minmax(0,1fr);gap:6px}
}
@media(max-width:640px){
 .rate-table,.rate-table tbody,.rate-table tr,.rate-table th,.rate-table td{display:block}
 .rate-table thead{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
 .rate-table caption{display:block}
 .rate-table tbody tr{padding:16px 0;border-bottom:1px solid var(--line)}
 .rate-table tbody tr:last-child{border-bottom:0}
 .rate-table tbody th{padding:0 0 6px;border:0}
 .rate-table td{display:flex;justify-content:space-between;align-items:baseline;gap:16px;padding:9px 0;border:0;border-top:1px solid var(--line);font-size:22px}
 .rate-table td:before{content:attr(data-label);font:400 15px/1.4 var(--font-body);letter-spacing:0;color:#334a5e}
}
@media(max-width:600px){
 .hero .hero-title{font-size:36px;line-height:1.1;max-width:none}
 .hero-terms{font-size:15px}
 .stack-terms,.stack-table tbody td:last-child,.bonus-list .bonus-anchor,.operations-copy .work-items dd{font-size:15px}
 .hero-intro{font-size:16px}
 .rate-receipt{margin:-40px 10px 0;padding:18px 18px 4px}
 .receipt-amount{font-size:40px}
 .urgency-band{padding-block:32px}
 .urgency-line{font-size:18px}
 .offer-section,.rates-band,.guarantee-section,.resources-band{padding-block:52px}
 .offer-head h2,.rates-intro h2{font-size:30px}
 .bonus-list,.specialty-groups{grid-template-columns:minmax(0,1fr)}
 .rates-panel{padding:4px 18px 8px}
 .guarantee{padding:26px 22px 20px}
 .guarantee h3{font-size:24px}
 .template-fold{padding-block:16px 44px}
 .pricing-head h1,.audit-hero .audit-title{font-size:36px}
 .plan-panel{grid-template-columns:minmax(0,1fr)}
 .plan-copy{padding:26px 22px 18px}
 .plan-rate{padding:0 4px 4px}
 .plan-rate>div{padding:22px 16px}
 .plan-tiles{padding:0 4px 4px;grid-template-rows:none}
 .plan-tiles li{min-height:52px}
 .plan-tiles li:first-child{border-radius:0}
 .plan-tiles li:last-child{border-radius:0 0 4px 4px}
 .pricing-subnav{justify-content:flex-start;border-radius:12px;padding:4px}
 .pricing-subnav a{padding:0 10px}
 .tpl-section,.premium-band,.compare-band{padding-block:52px}
 .tpl-section .section-heading h2,.premium-band h2,.compare-band h2{font-size:28px}
 .premium-rate{font-size:40px}
 .standalone{padding:24px 22px 18px}
 .transition-steps.steps-3{grid-template-columns:minmax(0,1fr)}
}
@media(max-width:359px){
 .hero .hero-title{font-size:32px}
 .pricing-head h1,.audit-hero .audit-title{font-size:32px}
 .receipt-amount{font-size:36px}
}
.page-template .small-note{font-size:14px}
/* Critic round: one filled button per fold on the three conversion pages; the shared header keeps its links, only
   its button becomes the outline style here (inner pages unchanged). Inline source links get a 44px hit area. */
body:has(.hero-band) .nav-action,body:has(.page-template) .nav-action{background:#fff;color:var(--teal-dark);border:1px solid var(--teal)}
body:has(.hero-band) .nav .nav-action:hover,body:has(.page-template) .nav .nav-action:hover{background:var(--pale);color:var(--navy)}
.urgency-sources a,.cost-sources a{display:inline-block;max-width:100%;padding-block:11px}
.nowrap{white-space:nowrap}
.band-terms{margin-top:12px;font-size:15px;line-height:1.6;color:#c9d8e4}
.premium-band p.band-terms:not(.eyebrow){margin-top:12px;font-size:15px;line-height:1.6}
.premium-list{list-style:none;padding:0;margin-top:14px;border-top:1px solid #2f5274}
.premium-list li{margin:0;padding:12px 0;border-bottom:1px solid #2f5274;font-size:17px;line-height:1.55;color:#c9d8e4}
@media(min-width:1060px){.home-faq>div:first-child{position:sticky;top:120px;align-self:start}.rate-card-layout>.rates-panel{position:sticky;top:120px}}
@media(max-width:560px){.operations-copy .work-items{grid-template-columns:minmax(0,1fr)}}
/* Verification round: line length in rendered characters, one heading size per level, no doubled rules, 15-16px mobile floor. */
.handover-line,.proof-line,.consultation-close p:not(.eyebrow){max-width:34em}
.cost-band h2{font-size:39px}
.service-pathway h3{font-size:28px}
.cost-band .cost-card{max-width:none;border-radius:8px}
.kv-sheet>div:last-child{border-bottom:0}
@media(min-width:601px){.bonus-list h3{min-height:2.4em}}
@media(max-width:600px){
 body:has(.hero-band) .eyebrow,.page-template .eyebrow{font-size:12px}
 .page-template .breadcrumbs{font-size:12px}
 body:has(.hero-band) main h2:not(.eyebrow),.page-template h2:not(.eyebrow){font-size:28px;line-height:1.18}
 .section-heading p:not(.eyebrow),.operations-copy>p:not(.eyebrow),.specialties-intro>p:not(.eyebrow),.consultation-close p:not(.eyebrow),.rates-intro>p:not(.eyebrow){font-size:16px}
 .cost-band p:not(.eyebrow):not(.small){font-size:16px}
 .home-faq>div:first-child>p:not(.eyebrow){font-size:16px}
 .faq-accordions details>p,.resource-tiles p,.cost-card p{font-size:16px}
 .hero-cta-sub,.audit-terms-note,.stack-solves,.term-columns .terms-note,.page-template .small-note,.urgency-sources,.cost-sources{font-size:15px}
 body:has(.hero-band) .text-link{font-size:15px}
 .cost-band .cost-card a,.tpl-tail .sources p,.tpl-tail .sources li{font-size:15px}
 .operations-photo figcaption{font-size:13px}
}
/* 44px minimum tap targets for the shared header, menu and footer links (CORRECTNESS; after the breakpoints so it wins) */
.brand{min-height:44px}.menu-group a,.compact-menu a,.menu-footer a,.footer-grid>div>a:not(.brand){display:flex;align-items:center;min-height:44px}.footer-bottom a{display:inline-flex;align-items:center;min-height:44px}
#filing-deadline-result,#eight-minute-result,#ar-days-result,#ncr-result,#denial-rate-result,#ctc-result{font:400 16px/1.65 var(--font-body)}#filing-deadline-result strong,#eight-minute-result strong,#ar-days-result strong,#ncr-result strong,#denial-rate-result strong,#ctc-result strong{display:block;margin-bottom:4px;font:600 21px/1.4 var(--font-display)}@media(min-width:1060px){.page-heading.decision-hero:has(.hero-tool){grid-template-columns:minmax(0,1fr) minmax(0,470px);gap:48px}}.hero-tool .quote-calculator{margin-block:0}.page-heading-copy .page-facts{margin-top:22px}
.hero-tool .quote-calculator>p:first-child{font-size:15px;line-height:1.6;margin:0}
.unit-rows{grid-template-columns:minmax(0,1fr);gap:16px}.unit-row{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:16px}.unit-row[hidden]{display:none}.add-row{display:flex;align-items:center;min-height:44px;margin:-10px 0 12px;padding:0;border:0;background:none;color:var(--teal-dark);font:600 15px/1.4 var(--font-display);cursor:pointer;text-decoration:underline;text-underline-offset:3px}.add-row[hidden]{display:none}#filing-deadline-result,#eight-minute-result,#ar-days-result,#ncr-result,#denial-rate-result,#ctc-result{margin-top:16px;color:#52687a;font-size:15px;line-height:1.6}:is(#filing-deadline-result,#eight-minute-result,#ar-days-result,#ncr-result,#denial-rate-result,#ctc-result).is-message{background:#fff;border:1px solid #b42318;border-radius:8px;padding:14px 18px;color:#334a5e}:is(#filing-deadline-result,#eight-minute-result,#ar-days-result,#ncr-result,#denial-rate-result,#ctc-result).is-answer{background:var(--navy);border-radius:8px;padding:16px 20px;color:#fff;font-size:16px}#filing-deadline-result strong,#eight-minute-result strong,#ar-days-result strong,#ncr-result strong,#denial-rate-result strong,#ctc-result strong{font-size:24px;line-height:1.3;text-wrap:balance}.is-answer strong{color:#fff}body:has(.hero-tool) .nav-action{background:#fff;color:var(--teal-dark);border:1px solid var(--teal)}body:has(.hero-tool) .nav .nav-action:hover{background:var(--pale);color:var(--navy)}/* Correctness pass from the 2 Oct design critic. Tables (V11, V42, V119, V134, V143): prose keeps the 66ch measure, tables and figures take the article track, and tables of 3+ columns stack into labelled rows on phones instead of scrolling. */
.article{max-width:none}.article>section>:is(.table-wrap,figure){max-width:900px}th,td,.article th,.article td{min-width:0}
@media(max-width:600px){.table-wrap.stack{border:0;border-radius:0;overflow:visible}.table-wrap.stack :is(table,tbody,tr,td){display:block}.table-wrap.stack thead{position:absolute;width:1px;height:1px;overflow:hidden;clip-path:inset(50%);white-space:nowrap}.table-wrap.stack tr{border:1px solid var(--line);border-radius:10px;padding:4px 16px;margin-bottom:12px}.table-wrap.stack td{border:0;padding:10px 0}.table-wrap.stack td+td{border-top:1px solid var(--line)}.table-wrap.stack td::before{content:attr(data-label);display:block;margin-bottom:3px;font:600 12px/1.4 var(--font-display);color:#52687a}}
/* Inputs: 3:1 boundary contrast (WCAG 1.4.11) and an error state at the field (V53). */
input:not([type=checkbox]):not([type=radio]),select,textarea{border-color:#7a90a3}input:user-invalid,select:user-invalid,textarea:user-invalid{border-color:#b42318;box-shadow:0 0 0 1px #b42318}
/* 44px+ targets: disclosure summaries carry the padding, and breadcrumb, contents and related links are full-height targets. */
.page-facts{padding:0}.page-facts>summary{min-height:48px;padding:12px 20px}.page-facts>ul{margin:0;padding:0 20px 18px 38px}.toc-disclosure>summary{min-height:48px}
.breadcrumbs a{display:inline-flex;align-items:center;min-height:44px}.toc a{display:flex;align-items:center;min-height:44px}.related li>a{display:inline-flex;align-items:center;min-height:44px}
/* Schibsted's tabular period is digit-wide (V64): list markers use proportional figures. */
ol>li::marker{font-variant-numeric:normal}
@media(max-width:1059px){.page-heading.decision-hero:has(+ .article-layout > .toc-disclosure){border-bottom:0}}
.form-grid .span-2{grid-column:1/-1}.preset-note{margin:-8px 0 0;font-size:13px;line-height:1.55;color:#334a5e}.preset-note:empty{display:none}.result-alt{display:block;margin-top:12px;padding-top:12px;border-top:1px solid #ffffff40;font-size:14px;color:#d8e4ee}
@media(max-width:600px){.breadcrumbs>[aria-current],.breadcrumbs>span[aria-hidden]:has(+ [aria-current]){display:none}}
@media(max-width:600px){.toc-disclosure{padding-block:4px}.toc-disclosure>summary{padding-block:0}}
@media(max-width:600px){.article-layout{row-gap:18px}}
.breadcrumbs{align-items:center}
/* Round 2 of the critic. The invalid state must outrank the base input rule (0,2,1). */
input:not([type=checkbox]):not([type=radio]):user-invalid,select:user-invalid,textarea:user-invalid{border-color:#b42318;box-shadow:0 0 0 1px #b42318}
.article h3>a{display:inline-flex;align-items:center;min-height:44px}.figure-transcript>summary{min-height:48px}.sources li>a{display:inline-flex;min-height:44px;padding-block:10px}
@media(min-width:1060px){.decision-hero.tool-first{grid-template-rows:auto 1fr;row-gap:0}.decision-hero.tool-first>.page-heading-copy:first-child{grid-column:1;grid-row:1}.decision-hero.tool-first>.hero-tool{grid-column:2;grid-row:1/span 2}.decision-hero.tool-first>.page-heading-rest{grid-column:1;grid-row:2}}
@media(max-width:600px){.table-wrap.stack tr{border:0;border-top:1px solid var(--line);border-radius:0;padding:14px 0 8px;margin:0}.table-wrap.stack tr:last-child{border-bottom:1px solid var(--line)}.table-wrap.stack td{padding:5px 0}.table-wrap.stack td+td{border-top:0}.table-wrap.stack td:first-child{font:600 17px/1.4 var(--font-display);color:var(--navy)}.table-wrap.stack td:first-child::before{display:none}.eyebrow,.hero-copy .eyebrow,.decision-hero .eyebrow{font-size:12px}.breadcrumbs{font-size:13px}}
.article>section>:is(p,ul:not(.service-list),ol,h2,h3,h4,dl,details,blockquote),.article>section>.section-example>:is(p,ul,ol,h3,h4){max-width:56ch}.page-heading.decision-hero .lede,.page-kind-service .page-heading.decision-hero .lede{max-width:56ch}
.row-actions{display:flex;flex-wrap:wrap;gap:0 24px;margin:-8px 0 0}.row-actions .add-row{margin:0}.clear-rows{display:flex;align-items:center;min-height:44px;padding:0;border:0;background:none;color:#52687a;font:600 15px/1.4 var(--font-display);cursor:pointer;text-decoration:underline;text-underline-offset:3px}.units-total{font-size:44px;line-height:1;margin-right:6px}@media(min-width:1060px){.page-heading.decision-hero:has(.hero-tool){grid-template-columns:minmax(0,1fr) minmax(0,560px)}}
@media(min-width:1060px){.page-heading.decision-hero.tool-first{row-gap:0}}
@media(max-width:600px){.table-wrap.stack tr:last-child{border-bottom:0}.table-wrap.stack[data-first=short] td:first-child::before{display:block}.footer-grid>div>a:not(.brand){font-size:15px}}figure figcaption{max-width:72ch}.page-heading h1{text-wrap:balance}

/* Historical sample captions share the width of their labelled mobile rows. */
@media(max-width:600px){.table-wrap.stack caption{display:block;width:100%;text-align:left}}

.article>section>.figure-transcript:has(table){max-width:900px}
.article>section>.figure-transcript:has(table) table{table-layout:fixed}
.article>section>.figure-transcript:has(table) :is(th,td){overflow-wrap:anywhere}
.article>section>.figure-transcript:has(table) caption{text-align:left}

.hero-title,.audit-title{font-family:var(--font-display);color:var(--navy);font-weight:700;text-wrap:balance;font-size:58px;line-height:1.07;letter-spacing:-.035em}.hero-heading>span,.audit-heading>span{display:block}.hero-heading .eyebrow,.audit-heading .eyebrow{font-family:var(--font-body);text-wrap:pretty}
.map-example{margin-top:40px}.map-example caption{caption-side:top;padding:0 0 12px;font-weight:600;color:var(--navy)}
.form-context{margin-top:16px;padding:12px 14px;background:var(--pale);border-left:3px solid var(--teal);border-radius:6px;color:var(--navy)}
@media(max-width:860px){.map-example tr+tr{margin-top:22px;padding-top:4px;border-top:2px solid var(--navy)}}