:root{--home-ink:#18394e;--home-teal:#126f79;--home-paper:#f4f8fb}
.hero-grid{background:linear-gradient(120deg,#f6fbff,#edf7f7)!important;padding-block:52px!important}.hero-grid h1{font-weight:750;letter-spacing:-1.8px}.nav-trigger{font-size:calc(.84rem + 1px)}.nav-trigger i:first-child{font-size:1.06rem}.product-mega-panel .product-item b{font-size:15px}
.insurance-hub{background:#fff;border:1px solid #cfdee7;border-radius:24px;padding:28px;box-shadow:0 12px 40px #17364f0c}.insurance-hub h2{font-size:26px;font-weight:750;line-height:1.25}.hub-kicker{font-size:11px;font-weight:750;letter-spacing:1.5px;color:#126f79;margin-bottom:9px}.hub-note{color:#607485;font-size:13px;line-height:1.6;margin-top:12px}.hub-primary{display:flex;gap:18px;align-items:center;padding:18px;border:1px solid #cfe0e7;border-radius:15px;margin:20px 0 14px;text-decoration:none!important;color:#18394e;background:#f7fbfd}.hub-primary img{width:56px;height:56px;object-fit:contain}.hub-primary b{display:block}.hub-primary small{display:block;color:#26757e;margin-top:4px}.hub-actions{display:flex;gap:10px;flex-wrap:wrap}.hub-actions a,.hub-actions button{padding:11px 15px;border-radius:10px;border:1px solid #c5dbe4;font-weight:650;font-size:13px;color:#204960}.hub-actions .primary{background:#126f79;color:white;border-color:#126f79}
.insurer-section{padding:48px 20px;background:#fff}.insurer-inner{max-width:1180px;margin:auto}.insurer-header{display:flex;justify-content:space-between;gap:20px;align-items:center;margin-bottom:22px}.insurer-header h2{font-size:28px;font-weight:750}.insurer-filter{padding:10px 14px;border:1px solid #bed1db;border-radius:10px;max-width:280px}.insurer-grid{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:12px}.insurer-tile{border:1px solid #d9e4eb;border-radius:15px;padding:17px 12px;text-align:left;background:#fff;min-height:125px;transition:transform .15s,border-color .15s}.insurer-tile:hover{transform:translateY(-3px);border-color:#157684}.insurer-mark{display:flex;align-items:center;justify-content:center;width:44px;height:40px;background:#edf4f8;color:#234c65;border-radius:9px;font-size:14px;font-weight:750;margin-bottom:10px}.insurer-mark img{max-width:100%;max-height:100%;object-fit:contain}.insurer-tile b{font-size:13px;display:block;line-height:1.3}.insurer-tile small{display:block;font-size:11px;margin-top:6px;color:#6c7d89}.insurer-tile[data-live=true]{border-color:#8ebcb9;background:#f5fbfa}.insurer-tile[data-live=true] small{color:#16645e}.insurer-dialog{width:min(520px,92vw);border:1px solid #c5d8e4;border-radius:20px;padding:26px;color:#18394e}.insurer-dialog::backdrop{background:#0e2c4666}.insurer-dialog h3{font-size:24px;font-weight:700}.insurer-dialog p{margin:16px 0;color:#526c7c;line-height:1.6}.insurer-dialog .close{float:right;font-size:20px;padding:0 8px}
#quote{padding:48px 20px;background:#f4f8fb;scroll-margin-top:110px}.quote-head{max-width:1180px;margin:0 auto 22px}.quote-head h2{font-size:30px;font-weight:750;margin-top:8px}.quote-head p{color:#597384;margin-top:10px}.quote-frame{width:100%;min-height:780px;border:0;display:block;max-width:1180px;margin:auto}.product-mega-panel{max-height:75vh;overflow:auto}#advisor,#claims{padding-block:44px!important}#forms{padding-block:35px!important}.product-actions button+button{display:none}
@media(max-width:1050px){.insurer-grid{grid-template-columns:repeat(4,minmax(0,1fr))}.primary-nav{overflow:visible;flex-wrap:wrap}.nav-cluster.open>.product-mega-panel{display:grid!important}}@media(max-width:700px){.insurer-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.insurer-header{align-items:stretch;flex-direction:column}.insurer-filter{max-width:none}.hero-grid{padding-block:28px!important}.insurance-hub{padding:22px}.quote-frame{min-height:1000px}.hero-grid h1{font-size:40px}.nav-trigger{font-size:calc(.78rem + 1px)}}
#publicPremium #qsSave,#publicPremium #qsPdf,#publicPremium .qs-saved,#publicPremium .qs-intro,#publicPremium #qsForm>details:not(#qsAddons),#publicPremium label[for=qsRegistration]{display:none!important}#publicPremium .qs-summary{position:static}.public-quote-note{max-width:1180px;margin:0 auto 18px;font-size:13px;color:#526d7e}.public-quote-note a{color:#116976;text-decoration:underline}

/* v254: quieter, task-first public home */
.home-hero{padding-block:64px!important}.home-hero h1{max-width:700px;margin-top:20px;color:#123b63;font-size:clamp(44px,6vw,72px);font-weight:850;line-height:1.02;letter-spacing:-3px}.home-hero h1 span{color:#087f8c}.home-hero>div>div:first-child>p{max-width:650px;margin-top:20px;color:#536b7b;font-size:18px;line-height:1.65}.hero-badge{display:inline-flex;align-items:center;gap:9px;padding:8px 13px;border:1px solid #b8dfe1;border-radius:99px;background:#edfafa;color:#126f79;font-size:13px;font-weight:800}.hero-actions{display:flex;flex-wrap:wrap;gap:10px;margin-top:28px}.hero-actions a,.hero-actions button{padding:13px 18px;border:1px solid #bad0db;border-radius:12px;background:#fff;color:#173f63;font-weight:800}.hero-actions .primary{border-color:#087f8c;background:#087f8c;color:#fff}.hero-actions button{background:#edf9f2;color:#147245}.hero-trust{display:flex;flex-wrap:wrap;gap:18px;margin-top:25px;color:#506b7c;font-size:13px;font-weight:700}.hero-trust span{display:flex;align-items:center;gap:7px}.hero-trust i{color:#087f8c}.next-step-card{padding:26px;border:1px solid #c8dce6;border-radius:26px;background:#fff;box-shadow:0 22px 60px #123b6312}.next-step-card h2{color:#173f63;font-size:26px;font-weight:800}.start-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:18px 0}.start-grid a{display:grid;grid-template-columns:38px 1fr;column-gap:9px;padding:14px;border:1px solid #d5e3ea;border-radius:14px;color:#173f63}.start-grid i{grid-row:1/3;width:38px;height:38px;display:grid;place-items:center;border-radius:10px;background:#eaf7f7;color:#087f8c}.start-grid b{font-size:14px}.start-grid small{color:#6a7d89;font-size:11px}.uiic-quick{display:flex;align-items:center;gap:13px;padding:13px;border-radius:14px;background:#f4f8fb;color:#173f63}.uiic-quick img{width:40px;height:40px;object-fit:contain}.uiic-quick b,.uiic-quick small{display:block}.uiic-quick small{margin-top:2px;color:#64808e;font-size:11px}
.insurer-section{padding-block:22px}.insurer-disclosure,.quote-disclosure{max-width:1180px;margin:auto;border:1px solid #d1e0e8;border-radius:18px;background:#fff;overflow:hidden}.insurer-disclosure>summary,.quote-disclosure>summary{display:flex;align-items:center;justify-content:space-between;padding:20px 22px;cursor:pointer;list-style:none;color:#173f63}.insurer-disclosure>summary span,.quote-disclosure>summary span{display:grid;grid-template-columns:40px 1fr;column-gap:11px;align-items:center}.insurer-disclosure>summary span>i,.quote-disclosure>summary span>i{grid-row:1/3;width:40px;height:40px;display:grid;place-items:center;border-radius:11px;background:#eaf7f7;color:#087f8c}.insurer-disclosure>summary b,.quote-disclosure>summary b{font-size:17px}.insurer-disclosure>summary small,.quote-disclosure>summary small{color:#677d89}.insurer-disclosure[open]>summary>i,.quote-disclosure[open]>summary>i{transform:rotate(180deg)}.insurer-body,.quote-body{padding:8px 22px 24px;border-top:1px solid #e1eaef}.advisor-strip{padding:32px 20px;background:#123b63;color:#fff}.advisor-intro{display:grid;grid-template-columns:58px 1fr auto;gap:18px;align-items:center}.advisor-icon{width:58px;height:58px;display:grid;place-items:center;border-radius:16px;background:#d6a62f;color:#123b63;font-size:23px}.advisor-intro h2{font-size:26px;font-weight:800}.advisor-intro p:not(.hub-kicker){margin-top:5px;color:#d9e7ef}.advisor-contact{display:flex;flex-wrap:wrap;gap:8px}.advisor-contact a,.advisor-contact button{padding:10px 13px;border:1px solid #ffffff50;border-radius:10px;color:#fff;font-weight:750}.advisor-contact button{background:#128554;border-color:#128554}#quote{padding-block:22px}.quote-body .quote-head{padding-top:16px}.insurer-grid{grid-template-columns:repeat(4,minmax(0,1fr))}
@media(max-width:800px){.home-hero{padding-block:38px!important}.home-hero h1{letter-spacing:-2px}.advisor-intro{grid-template-columns:50px 1fr}.advisor-contact{grid-column:1/-1}.insurer-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}@media(max-width:520px){.start-grid{grid-template-columns:1fr}.hero-actions>*{flex:1 1 45%;text-align:center}.advisor-intro{display:block}.advisor-icon{margin-bottom:12px}.advisor-contact{margin-top:16px}.insurer-body,.quote-body{padding-inline:14px}}

/* v257: simple, task-first public home */
.ticker{display:none}.hero-grid{background:linear-gradient(135deg,#f9fcff 0%,#eef8f6 54%,#fff8e8 100%)!important;border-bottom:1px solid #d9e6ed}.home-hero{padding-block:46px!important}.home-hero>div{min-height:430px}.hero-copy{padding:10px 0}.home-hero h1{max-width:680px;margin-top:16px;font-size:clamp(42px,5.4vw,68px);line-height:1.03;letter-spacing:-2.8px}.home-hero>div>div:first-child>p{margin-top:16px;max-width:610px;font-size:17px;line-height:1.6}.hero-badge{padding:7px 12px;font-size:11px;letter-spacing:.06em}.hero-actions{margin-top:24px}.hero-actions a,.hero-actions button{min-height:46px;padding:12px 16px;border-radius:10px;box-shadow:0 7px 16px #123b6310}.hero-trust{margin-top:20px;gap:14px;font-size:12px}.next-step-card{padding:24px;border:0;border-radius:22px;background:#123b63;box-shadow:0 20px 48px #123b6322}.next-step-card .hub-kicker{color:#92ded6;margin-bottom:7px}.next-step-card h2{color:#fff;font-size:25px}.start-grid{gap:9px;margin:16px 0}.start-grid a{padding:12px;border-color:#ffffff25;border-radius:12px;background:#ffffff0d;color:#fff;transition:background .18s,transform .18s}.start-grid a:hover{background:#ffffff1c;transform:translateY(-2px)}.start-grid i{background:#d8f4f0;color:#087f8c}.start-grid b{font-size:13px}.start-grid small{color:#c8d9e3}.uiic-quick{padding:12px;border-radius:12px;background:#fff;color:#173f63}.uiic-quick>i{margin-left:auto;color:#087f8c;font-size:.82rem}.insurer-section{padding-block:28px}.advisor-strip{padding-block:28px}.quote-disclosure>summary,.insurer-disclosure>summary{padding:17px 20px}@media(max-width:800px){.home-hero{padding-block:30px!important}.home-hero>div{min-height:0}.hero-copy{padding-top:0}.next-step-card{margin-top:4px}.hero-actions{gap:8px}}@media(max-width:520px){.home-hero h1{font-size:42px;letter-spacing:-2px}.hero-actions>*{flex:1 1 100%}.hero-trust{display:grid;grid-template-columns:1fr 1fr;gap:10px}.hero-trust span:last-child{grid-column:1/-1}.next-step-card{padding:20px}}

/* v258: restrained visual layer and an expandable quick guide */
.home-hero>div{min-height:510px}.next-step-photo{position:relative;height:132px;margin:-24px -24px 17px;overflow:hidden;border-radius:22px 22px 0 0;background:#0d5469}.next-step-photo:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,#0b3658a8 0%,transparent 64%,#0b365842 100%)}.next-step-photo img{display:block;width:100%;height:100%;object-fit:cover;object-position:center 43%}.next-step-photo span{position:absolute;z-index:1;left:16px;bottom:13px;color:#fff;font-size:12px;font-weight:800;text-shadow:0 1px 3px #062a42}.next-step-photo span i{color:#f7ca58;margin-right:6px}.quick-guide-section{padding-block:0 28px;background:#fff}.quick-guide{display:grid;grid-template-columns:.85fr 1.15fr;gap:30px;align-items:center;padding:26px 30px;border:1px solid #d5e3ea;border-radius:20px;background:linear-gradient(110deg,#f7fcfc,#fffdf7)}.quick-guide h2{color:#173f63;font-size:26px;font-weight:800;line-height:1.2}.quick-guide>div:first-child>p:last-child{max-width:450px;margin-top:9px;color:#637989;font-size:14px;line-height:1.5}.quick-guide-list{display:grid;gap:8px}.quick-guide-list details{border:1px solid #d8e4ea;border-radius:12px;background:#fff}.quick-guide-list summary{display:grid;grid-template-columns:32px 1fr 18px;gap:10px;align-items:center;padding:11px 13px;cursor:pointer;list-style:none;color:#173f63}.quick-guide-list summary>i:first-child{display:grid;place-items:center;width:32px;height:32px;border-radius:9px;background:#e6f6f4;color:#087f8c}.quick-guide-list summary b,.quick-guide-list summary small{display:block}.quick-guide-list summary b{font-size:13px}.quick-guide-list summary small{margin-top:2px;color:#718390;font-size:11px}.quick-guide-list summary>i:last-child{font-size:12px;color:#087f8c;transition:transform .16s}.quick-guide-list details[open] summary>i:last-child{transform:rotate(45deg)}.quick-guide-list details p{margin:0;padding:0 13px 12px 55px;color:#607786;font-size:12px;line-height:1.55}@media(max-width:800px){.home-hero>div{min-height:0}.next-step-photo{height:150px}.quick-guide{grid-template-columns:1fr;gap:18px;padding:22px}}@media(max-width:520px){.next-step-photo{height:128px;margin:-20px -20px 15px;border-radius:18px 18px 0 0}.quick-guide-section{padding-bottom:22px}.quick-guide{padding:18px}.quick-guide h2{font-size:23px}.quick-guide-list details p{padding-left:13px}}

/* v264: spacious image-led public homepage */
.home-hero-v264{padding-block:48px 36px;background:linear-gradient(135deg,#f7fbff 0%,#eef8f6 58%,#fff9ec 100%);border-bottom:1px solid #d8e5ec}.hero-v264-inner{display:grid;grid-template-columns:minmax(0,.9fr) minmax(520px,1.1fr);align-items:center;gap:42px}.hero-v264-copy{padding:22px 0}.hero-v264-copy h1{max-width:650px;margin-top:18px;color:#123b63;font-size:clamp(46px,5.8vw,78px);font-weight:850;line-height:.98;letter-spacing:-3.5px}.hero-v264-copy h1 span{color:#087f8c}.hero-v264-copy>p{max-width:610px;margin-top:20px;color:#536d7d;font-size:18px;line-height:1.65}.hero-v264-visual{position:relative;min-height:440px;margin:0;overflow:hidden;border-radius:30px;background:#dce9ed;box-shadow:0 28px 72px #123b6324}.hero-v264-visual:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,#10395524,transparent 34%)}.hero-v264-visual>img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center}.hero-v264-visual figcaption{position:absolute;z-index:2;left:22px;bottom:22px;display:flex;align-items:center;gap:12px;padding:13px 16px;border:1px solid #ffffffc9;border-radius:15px;background:#ffffffeb;color:#173f63;box-shadow:0 12px 34px #123b6326;backdrop-filter:blur(10px)}.hero-v264-visual figcaption>i{color:#078a83;font-size:22px}.hero-v264-visual figcaption b,.hero-v264-visual figcaption small{display:block}.hero-v264-visual figcaption small{margin-top:2px;color:#66808f;font-size:11px}.journey-v264{padding-block:22px 30px;background:#fff}.journey-v264-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:13px}.journey-v264-grid>a{display:grid;grid-template-columns:46px 1fr 20px;gap:13px;align-items:center;padding:18px;border:1px solid #d6e4eb;border-radius:17px;background:#fff;color:#173f63;box-shadow:0 10px 28px #123b6309;transition:.18s}.journey-v264-grid>a:hover{transform:translateY(-3px);border-color:#78babb;box-shadow:0 15px 34px #123b6314}.journey-v264-grid>a>i:first-child{display:grid;place-items:center;width:46px;height:46px;border-radius:13px;background:#e8f7f5;color:#087f8c;font-size:18px}.journey-v264-grid b,.journey-v264-grid small{display:block}.journey-v264-grid small{margin-top:3px;color:#6a7f8c;font-size:12px}.journey-v264-grid>a>i:last-child{color:#087f8c}.home-hero-v264 .hero-actions{margin-top:28px}.home-hero-v264 .hero-trust{margin-top:24px}.insurer-section{padding-top:20px}
@media(max-width:1020px){.hero-v264-inner{grid-template-columns:1fr;gap:24px}.hero-v264-copy{padding-bottom:0}.hero-v264-visual{min-height:400px}.journey-v264-grid{grid-template-columns:1fr 1fr}.journey-v264-grid>a:last-child{grid-column:1/-1}}
@media(max-width:640px){.home-hero-v264{padding-block:30px 24px}.hero-v264-copy h1{font-size:46px;letter-spacing:-2.4px}.hero-v264-copy>p{font-size:16px}.hero-v264-visual{min-height:300px;border-radius:22px}.hero-v264-visual>img{object-position:62% center}.hero-v264-visual figcaption{left:14px;right:14px;bottom:14px}.journey-v264{padding-block:14px 24px}.journey-v264-grid{grid-template-columns:1fr}.journey-v264-grid>a:last-child{grid-column:auto}.journey-v264-grid>a{padding:15px}}