/* Last-loaded editorial refinement. Existing native navigation, forms, tools
   and disclosure behaviour remain available without JavaScript. */
html{scroll-behavior:auto}
body{padding-bottom:0;font-size:16px}
h2{font-size:clamp(1.75rem,3.6vw,2.5rem);line-height:1.16}
.section,.contact-section{padding-block:40px}
.section-head{max-width:760px;margin-bottom:28px}
.section-head h2{max-width:26ch}
.section-head>.lead,.lead{font-size:1rem;line-height:1.8}
.btn,.service-link,.meter-fill{transition:none}
.btn,.menu-toggle{border-radius:8px}
.field :is(input,select,textarea){border-color:color-mix(in srgb,var(--navy) 55%,var(--white));border-radius:8px}

/* A direct introduction and one natural portrait, without a card around it. */
.hero.hero-personal{padding:36px 0 40px;background:var(--white,#fff)}
.hero-personal .hero-grid{gap:28px;align-items:center}
.hero-personal .hero-copy{max-width:680px}
.hero-personal .eyebrow{margin-bottom:18px;font-size:.6875rem;letter-spacing:.1em}
.hero-personal h1{max-width:15ch;margin-bottom:20px;font-size:clamp(2.25rem,10vw,2.5rem);line-height:1.09;letter-spacing:-.04em;text-wrap:balance}
.hero-personal .hero-copy .lead{max-width:49ch;margin:0;font-size:1rem;line-height:1.8}
.hero-personal .hero-actions{margin-top:24px;gap:12px}
.hero-personal .hero-actions .btn{width:auto;min-height:48px;padding:13px 20px}
.advisor-card{width:min(100%,300px);padding:0;border:0;border-radius:0;background:transparent;box-shadow:none}
.advisor-card>img{width:100%;height:auto;aspect-ratio:auto;object-fit:contain;border-radius:8px;transform:none}
.advisor-card figcaption{align-items:baseline;gap:4px 16px;padding:14px 0 0;font-size:.8125rem;line-height:1.5}
.advisor-card figcaption strong{font-size:1.125rem}
.advisor-card figcaption p{margin-top:3px;font-size:.75rem;line-height:1.6}
.advisor-card figcaption .text-link{min-height:32px;font-size:.75rem}

/* Local institution artwork is static and retains its original geometry. */
.insurer-strip,.insurer-section,.insurers-section,.section.insurer-section{padding-block:20px;border-block:1px solid var(--line);background:var(--white,#fff)}
.insurer-strip p,.insurer-section p,.insurers-section p{margin-bottom:12px;font-size:.75rem}
.insurer-heading{display:flex;flex-wrap:wrap;align-items:baseline;justify-content:space-between;gap:4px 20px}
.insurer-heading h2{max-width:none;margin:0;color:var(--navy);font:500 .875rem/1.6 var(--body);letter-spacing:0}
.insurer-heading p{margin:0;font-size:.75rem;line-height:1.6}
.insurer-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));align-items:center;gap:8px 20px;margin:16px 0 0;padding:0;list-style:none}
.insurer-grid>li{display:grid;place-items:center;min-width:0;min-height:44px;margin:0;padding:0}
.insurer-logo{display:flex;align-items:center;justify-content:center;width:100%;max-width:140px;min-width:0;min-height:44px}
.insurer-logo img,.insurer-grid>li>img{display:block;width:100%;height:38px;max-width:140px;object-fit:contain;object-position:center}

/* Open coverage explanations: one heading column and three useful blocks. */
.coverage-editorial{padding-block:40px;background:var(--white,#fff)}
.coverage-layout{display:grid;grid-template-columns:minmax(0,1fr);gap:28px}
.coverage-layout>*{min-width:0}
.coverage-layout>.section-head{margin-bottom:0}
.coverage-layout>:first-child h2{max-width:19ch;margin-bottom:16px}
.coverage-layout>:first-child p{max-width:43ch;font-size:1rem;line-height:1.8}
.coverage-content{display:grid;gap:24px;min-width:0}
.coverage-item{min-width:0;padding-top:18px;border-top:1px solid var(--line)}
.coverage-item h3{margin:0 0 12px;font-size:1.375rem;line-height:1.3}
.coverage-item p{max-width:60ch;margin:0;font-size:1rem;line-height:1.8}
.coverage-item>.text-link{margin-top:12px;font-size:.8125rem}
.coverage-editorial .steps-grid{margin-top:40px}
.steps-grid{gap:24px}
.step-card{padding-top:18px;border-top-width:1px}
.step-card .step{margin-bottom:14px;font-size:1.375rem}
.step-card h3{font-size:1.25rem;line-height:1.35}
.step-card p{font-size:.9375rem;line-height:1.8}

/* Reviews read as attributed quotations, rather than a set of panels. */
.reviews-grid{gap:28px}
.review-card{min-height:0;padding:20px 0 0;border:0;border-top:1px solid var(--line);border-radius:0;background:transparent;box-shadow:none}
.review-person{gap:10px}
.review-avatar{flex-basis:36px;width:36px;height:36px;font-size:.6875rem}
.review-person h3{font-size:.875rem;line-height:1.5}
.review-person p,.review-person small{font-size:.6875rem}
.review-card .stars{margin:16px 0 12px;font-size:.875rem}
.review-card blockquote{margin:0 0 16px;font-size:1rem;line-height:1.8}
.review-card footer{padding:0;border:0;font-size:.75rem;line-height:1.7}
.review-card footer a{min-height:36px}

/* The enquiry form is the page's one deliberate panel. */
.contact-section{background:var(--soft);color:var(--navy)}
.contact-section :is(h2,h3){color:var(--navy)}
.contact-section p{color:var(--muted)}
.contact-section .eyebrow{color:var(--teal)}
.contact-section a{color:var(--navy)}
.contact-section :is(a,button):focus-visible{outline-color:var(--navy)}
.contact-grid{gap:28px}
.contact-grid>:first-child>p{max-width:43ch;line-height:1.8}
.contact-section h2{max-width:18ch}
.form-card{padding:24px;border:1px solid var(--line);border-radius:8px;box-shadow:none}
.form-card h3{font-size:1.375rem;line-height:1.3}
.form-card .small{font-size:.75rem}
.lead-form>.form-note{margin:16px 0}
.form-card .field :is(input,select,textarea){font-size:16px}
.contact-person{display:flex;align-items:center;gap:12px;max-width:100%;margin:24px 0 16px}
.contact-person>img{flex:0 0 36px;width:36px;height:36px;object-fit:cover;object-position:50% 25%;border-radius:50%}
.contact-person>div{min-width:0}
.contact-person strong{display:block;font-size:.875rem;line-height:1.5}
.contact-person p{margin:0;font-size:.8125rem;line-height:1.6}
.contact-person a{display:inline-flex;align-items:center;min-height:32px;font-size:.8125rem}
.optional-form-fields{margin:4px 0 16px;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.optional-form-fields>summary{position:relative;display:block;min-height:44px;padding:12px 28px 12px 0;list-style:none;color:var(--navy);font:500 .8125rem/1.6 var(--body);cursor:pointer}
.optional-form-fields>summary::-webkit-details-marker{display:none}
.optional-form-fields>summary::after{content:'+';position:absolute;right:0;top:12px;width:20px;color:var(--teal);font-size:1.125rem;line-height:1.3;text-align:center}
.optional-form-fields[open]>summary::after{content:'−'}
.optional-form-fields[open]>summary{margin-bottom:4px}
.optional-form-fields>.field:last-child{margin-bottom:16px}

/* Optional native guide: the longer tool is available when the visitor asks. */
.section.guide-section{padding-block:20px}
.guide-disclosure{margin-top:0;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.guide-disclosure>summary{position:relative;display:block;min-height:60px;padding:18px 40px 18px 0;list-style:none;color:var(--navy,#002d3e);font:500 .9375rem/1.6 var(--body,Inter,sans-serif);cursor:pointer}
.guide-disclosure>summary::-webkit-details-marker{display:none}
.guide-disclosure>summary::after{content:'+';position:absolute;right:2px;top:18px;width:24px;color:var(--teal,var(--navy));font:400 1.5rem/1 var(--body,Inter,sans-serif);text-align:center}
.guide-disclosure[open]>summary::after{content:'−'}
.guide-disclosure .section{padding-block:20px 24px;background:transparent}
.guide-disclosure>.tool-card{padding:4px 0 24px}
.guide-disclosure .container{max-width:none;padding-inline:0}
.guide-disclosure .section-head{margin-bottom:24px}
.guide-disclosure .section-head h2{font-size:1.5rem;line-height:1.25}
.guide-disclosure .coverage-options{gap:20px;margin:20px 0}
.guide-disclosure .coverage-option{padding:16px 0;border:0;border-top:1px solid var(--line);border-radius:0;background:transparent}
.guide-disclosure .coverage-option:has(input:checked){padding:15px 0 16px;border:0;border-top:2px solid var(--navy);background:transparent}
.guide-disclosure .coverage-result{margin-top:24px;padding:20px 0 0;border:0;border-top:1px solid var(--line);border-radius:0;background:transparent}
.faq-list summary{min-height:60px;padding-block:18px;font-size:.9375rem}
.faq-list details>p{font-size:.9375rem;line-height:1.8}

/* Financial topics use a directory of underlined rows, with no card chrome. */
.service-links-grid{grid-template-columns:minmax(0,1fr);gap:0 40px}
.service-link{display:grid;grid-template-columns:minmax(0,1fr) auto;align-items:start;gap:8px 16px;padding:22px 0;border:0;border-bottom:1px solid var(--line);border-radius:0;background:transparent;box-shadow:none}
.service-link:hover{border-color:var(--teal);background:transparent}
.service-link h3{grid-column:1;margin:0;font-size:1.25rem;line-height:1.4}
.service-link p{grid-column:1/-1;max-width:66ch;margin:0;font-size:.875rem;line-height:1.8}
.service-link>span:last-child,.service-link>.text-link:last-child{grid-column:2;grid-row:1;align-self:center;margin:0;font-size:.75rem;line-height:1.5}
.service-link .miniature{grid-column:1/-1}

/* The service body is an editorial grid, not another collection of cards. */
.service-hero{padding-block:36px 40px;background:var(--white,#fff)}
.service-hero h1{font-size:clamp(2.25rem,7vw,3.75rem);line-height:1.12}
.service-hero .lead{font-size:1rem;line-height:1.8}
.reading-grid{gap:28px 36px}
.reading-card{min-width:0;padding:18px 0 0;border:0;border-top:1px solid var(--line);border-radius:0;background:transparent;box-shadow:none}
.reading-card h2{font-size:1.375rem;line-height:1.3}
.reading-card h3{font-size:1.125rem;line-height:1.4}
.reading-card p,.reading-card li{max-width:70ch;font-size:1rem;line-height:1.8}
.reading-card .check-list{margin-top:16px}
.tool-card{padding:0;border:0;border-radius:0;background:transparent;box-shadow:none}
.tool-card h2{font-size:1.625rem;line-height:1.3}
.tool-grid{gap:24px}
.tool-output{padding:20px 0 0;border:0;border-top:1px solid var(--line);border-radius:0;background:transparent;color:var(--navy)}
.tool-output :is(h2,h3,h4,output,dd){color:var(--navy)}
.tool-output p,.tool-output dt{color:var(--muted)}
.tool-output output{font-size:clamp(2rem,6vw,2.625rem)}
.tool-output dl>div{border-color:var(--line)}
.tool-output .bar{background:color-mix(in srgb,var(--navy) 12%,var(--white))}
.tool-output .bar:nth-child(even)>span,.tool-output .bar:nth-child(even)>i{background:var(--navy)}

.site-footer{padding-block:32px 24px}
.footer-grid{gap:24px}
.footer-grid>:first-child>img{max-width:220px;margin-bottom:14px}
.site-footer :is(h2,h3,h4){margin-bottom:10px}
.footer-bottom{margin-top:28px;padding-top:18px;padding-right:64px}
.mobile-cta{display:none}

/* Click-only contact window. Its launcher never sits over the main form. */
#chat-launcher{right:max(16px,env(safe-area-inset-right,0px));bottom:calc(16px + var(--safe-bottom,env(safe-area-inset-bottom,0px)));width:44px;height:44px;padding:10px;box-shadow:none}
#chat-launcher svg{width:24px;height:24px}
#chat-panel.chat-panel{right:max(16px,env(safe-area-inset-right,0px));bottom:calc(76px + var(--safe-bottom,env(safe-area-inset-bottom,0px)));max-height:min(500px,calc(100dvh - 96px - var(--safe-bottom,env(safe-area-inset-bottom,0px))));border-radius:8px;box-shadow:0 8px 26px #002d3e18}
#chat-panel .chat-contact-fields{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
body.chat-open #chat-launcher{display:grid;visibility:visible;pointer-events:auto}

@media(min-width:600px){
  .service-links-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .coverage-item{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:20px}
  .coverage-item h3{margin:0}
  .coverage-item>.text-link{grid-column:2;margin-top:-4px;min-height:32px}
  .insurer-grid{grid-template-columns:repeat(4,minmax(0,1fr));gap:8px 28px}
}
@media(min-width:768px){
  .section,.contact-section,.coverage-editorial{padding-block:64px}
  .hero.hero-personal{padding-block:48px 56px}
  .hero-personal .hero-grid{grid-template-columns:minmax(0,1.35fr) minmax(0,.8fr);gap:40px}
  .hero-personal h1{max-width:15ch;font-size:clamp(2.5rem,5.2vw,3.5rem);line-height:1.08}
  .hero-personal .advisor-card{justify-self:end}
  .section-head{margin-bottom:32px}
  .coverage-editorial .steps-grid{margin-top:48px}
  .service-hero{padding-block:48px}
  .reading-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .reading-grid>.reading-card:last-child:nth-child(odd){grid-column:1/-1}
  .form-card{padding:28px}
  .reviews-grid{gap:32px}
}
@media(min-width:900px){
  .coverage-layout{grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:56px}
  .coverage-content{gap:28px}
  .coverage-item{gap:20px}
  .coverage-item h3{font-size:1.25rem}
  .contact-grid{grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:56px}
  .tool-grid{gap:36px}
  .tool-output{padding:0 0 0 28px;border-top:0;border-left:1px solid var(--line)}
}
@media(min-width:1080px){
  .hero-personal .hero-grid{grid-template-columns:minmax(0,1.4fr) minmax(0,.8fr);gap:64px}
  .hero-personal h1{font-size:clamp(3.75rem,4.8vw,4.25rem)}
  .coverage-layout{gap:72px}
  .reviews-grid{gap:40px}
  .reading-grid:has(>.reading-card:nth-child(3):last-child){grid-template-columns:repeat(3,minmax(0,1fr))}
  .reading-grid:has(>.reading-card:nth-child(3):last-child)>.reading-card:last-child{grid-column:auto}
  .contact-grid{gap:72px}
}
@media(max-width:359px){
  .section,.contact-section,.coverage-editorial{padding-block:32px}
  .hero.hero-personal{padding-block:28px 32px}
  .form-card{padding:20px}
  #chat-panel .chat-contact-fields{grid-template-columns:minmax(0,1fr)}
  .service-link{gap:8px 12px}
  .service-link h3{font-size:1.125rem}
  .insurer-grid{gap:8px 16px}
}
@media print{
  .hero.hero-personal,.coverage-editorial{padding-block:20px}
  .advisor-card{max-width:200px}
  #chat-launcher,#chat-panel{display:none!important}
}

/* On phones, contact lives in the header instead of covering page content.
   Desktop content leaves a narrow clear rail for the corner launcher. */
#chat-launcher{position:static;flex:0 0 44px;margin-left:0;visibility:visible}
.header-row{gap:10px}
.header-row .brand{margin-right:auto}
.footer-bottom{padding-right:0}
#chat-panel.chat-panel{top:calc(var(--header-height) + 12px);bottom:auto;max-height:min(500px,calc(100dvh - var(--header-height) - 28px))}
@media(min-width:1080px){
  .container{padding-right:80px}
  #chat-launcher{position:fixed;bottom:16px;right:16px;margin:0}
  #chat-panel.chat-panel{top:auto;bottom:76px}
}
@media(max-width:359px){.header-row{gap:8px}.brand>span{font-size:.6875rem}}
@media(max-width:899px){
  .contact-grid>.form-card{order:-1}
  .contact-grid>:first-child{padding-top:8px}
}