:root{--ink:#163b42;--muted:#53676b;--teal:#096b68;--deep:#113c42;--wash:#e9f2f2;--line:#cad9da;--paper:#fff;--accent:#d6f281;--radius:16px;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:var(--paper);font-size:16px;line-height:1.65}*{box-sizing:border-box}body{margin:0}a{color:inherit;text-underline-offset:4px}button,input,select,textarea{font:inherit}button,a,input,select,textarea{touch-action:manipulation}button{cursor:pointer}button:disabled{opacity:.6;cursor:wait}a:focus-visible,button:focus-visible,input:focus-visible,textarea:focus-visible,select:focus-visible,summary:focus-visible,[tabindex]:focus-visible{outline:3px solid #ed9900;outline-offset:4px}h1,h2,h3,p{margin-top:0}h1,h2,h3{line-height:1.14;letter-spacing:-.035em}h1{font-family:Georgia,'Times New Roman',serif;font-weight:400;font-size:clamp(2.65rem,5vw,4.9rem);margin-bottom:28px}h2{font-family:Georgia,'Times New 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1fr;gap:80px;padding-top:80px;padding-bottom:80px;align-items:center}.eyebrow{font-size:.8rem;letter-spacing:.13em;font-weight:700;color:var(--teal);margin-bottom:24px;line-height:1.5}.lead{font-size:1.2rem;line-height:1.7;color:var(--muted);max-width:680px}.actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:30px}.quiet{font-size:.875rem;color:var(--muted);margin-top:20px}.hero-panel{padding:40px;background:var(--wash);border-radius:100px 16px 16px 16px;border:1px solid #dae6e6;position:relative}.hero-panel .eyebrow{padding-top:15px}.hero-panel h2{font-size:2.1rem}.choice{display:flex;align-items:center;justify-content:space-between;gap:12px;text-decoration:none;padding:20px 0;border-bottom:1px solid var(--line);font-weight:600}.choice:hover{color:var(--teal)}.hero-panel>p:last-child{margin-top:25px;font-size:.875rem;margin-bottom:0;color:var(--muted)}.band{background:var(--wash);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.band-inner{display:flex;gap:32px;justify-content:space-between;padding:23px 0}.band-inner span{color:var(--teal);display:flex;align-items:center;gap:16px;font-size:.9rem}.band-inner b{color:var(--ink);font-weight:500}.section{padding-top:85px;padding-bottom:45px}.section-head{display:flex;justify-content:space-between;align-items:center;gap:30px;margin-bottom:25px}.section-head h2{max-width:630px;margin-bottom:15px}.section-head .eyebrow{margin-bottom:16px}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.card{padding:30px;border:1px solid var(--line);border-radius:var(--radius);background:#fff}.card .eyebrow{font-size:.73rem;margin-bottom:26px}.card h3{margin-bottom:14px}.card p{color:var(--muted)}.card a{font-weight:600}.card:hover{border-color:#83aaa9}.cards+.small{margin-top:20px}.split{display:grid;grid-template-columns:1fr 1fr;gap:90px;padding-bottom:90px}.guide-list{border-top:1px solid var(--line);align-self:center}.guide-list .choice{padding:24px 0}.cta{display:flex;align-items:center;justify-content:space-between;gap:45px;background:var(--deep);color:white;padding:45px 50px;border-radius:16px;margin-top:40px;margin-bottom:80px}.cta .eyebrow{color:var(--accent);margin-bottom:18px}.cta h2{font-size:2.4rem}.cta p:last-child{margin:0;color:#d6e9e9}.cta .button{flex-shrink:0}.footer{background:#f2f6f6;padding:50px 0 30px;border-top:1px solid var(--line)}.footer-top{display:grid;grid-template-columns:1fr 1fr;gap:60px}.footer-top b{font-size:1.4rem}.footer-top p{color:var(--muted);font-size:.94rem}.footer nav{display:grid;grid-template-columns:1fr 1fr;gap:10px;font-size:.9rem}.legal-line{font-size:.8rem;margin:32px 0 0;padding-top:25px;border-top:1px solid var(--line);color:var(--muted)}.page-head{padding:50px 0 45px}.page-head h1{max-width:940px;font-size:clamp(2.5rem,4.5vw,4.3rem)}.breadcrumb{font-size:.875rem;display:inline-block;margin-bottom:30px;color:var(--muted)}.page-head .eyebrow{margin-bottom:16px}.content-area{padding-bottom:50px}.reading{max-width:790px}.article-section{margin-bottom:40px}.article-section h2{font-size:1.9rem;margin-bottom:15px}.reading p{font-size:1.0625rem;color:#344f54;line-height:1.85}.table-scroll{overflow-x:auto;border:1px solid var(--line);border-radius:12px;margin-bottom:20px}table{border-collapse:collapse;width:100%;font-size:.94rem;text-align:left}caption{text-align:left;padding:18px 22px;font-weight:600;background:var(--wash)}thead{background:var(--deep);color:#fff}td,th{padding:20px;vertical-align:top;line-height:1.6}tbody th{font-weight:600;background:#f4f8f8;min-width:160px}td{min-width:210px}tr+tr{border-top:1px solid var(--line)}.product-bottom{display:grid;grid-template-columns:1.1fr 1fr;gap:35px;margin:40px 0}.sources{background:var(--wash);border-radius:12px;padding:30px;margin:15px 0}.sources h2,.next-step h2{font-size:1.6rem}.sources ul{padding-left:20px}.sources li{padding-bottom:10px}.sources p{font-size:.875rem;margin-bottom:0;color:var(--muted)}.next-step{padding:30px;border:1px solid var(--line);border-radius:12px;margin:15px 0}.next-step .button{display:flex;margin-bottom:12px}.next-step .small{margin-top:15px}.guides{grid-template-columns:repeat(2,1fr)}.guides h2{font-size:1.7rem}.broker-logo{max-width:250px;height:auto;margin:0 0 45px}.contact-grid{display:grid;grid-template-columns:1.5fr 1fr;gap:70px}.contact-aside{background:var(--wash);border-radius:16px;padding:35px;height:fit-content}.contact-aside a{display:block;font-weight:600;margin-bottom:10px}.contact-aside .small{margin-top:35px}label{display:block;font-weight:600;font-size:.94rem;margin:0 0 18px}input:not([type=checkbox]):not([type=hidden]),select,textarea{display:block;width:100%;border:1px solid #a8bfc1;border-radius:6px;padding:12px 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#163b4233;border-radius:16px;padding:22px;z-index:30}.chat-heading{display:flex;justify-content:space-between;align-items:flex-start}.chat-heading p{font-size:.8rem;color:var(--muted)}.chat-heading button{border:0;background:none;font-size:1.8rem;line-height:1}.chat-panel .small{font-size:.8rem}.chat-panel label{font-size:.875rem}.chat-panel input{padding:8px;min-height:40px!important}.chat-panel #chat-messages{max-height:210px;overflow:auto}.bubble{padding:12px 14px;background:var(--wash);border-radius:12px;margin:10px 0;overflow-wrap:anywhere}.bubble.staff{background:#153f45;color:white}.bubble p{margin-bottom:0;white-space:pre-wrap}.bubble b{font-size:.75rem}details{padding:22px 0;border-bottom:1px solid var(--line)}summary{cursor:pointer;font-weight:600;font-size:1.1rem}details p{margin-top:15px}.auth{width:min(500px,calc(100% - 40px));margin:7vh auto;background:#fff;padding:35px;border:1px solid var(--line);border-radius:16px}.auth h1{font-size:2.4rem}.admin-body{background:#f3f6f6}.adminbar{display:flex;align-items:center;justify-content:space-between;gap:20px;background:var(--deep);color:#fff;padding:18px 30px}.adminbar form{margin:0}.adminbar button{background:transparent;border:1px solid #789499;color:#fff;padding:8px 12px;border-radius:6px}.admin-layout{display:grid;grid-template-columns:240px 1fr;min-height:90vh}.sidebar{padding:30px 22px;background:white;border-right:1px solid var(--line)}.sidebar a{display:block;padding:12px;text-decoration:none;border-radius:6px;font-size:.94rem}.sidebar a.selected{background:var(--wash);font-weight:600}.presence-switch{margin-top:30px;font-size:.875rem}.admin-main{padding:40px;min-width:0}.admin-main h1{font-size:2.5rem}.admin-main h2{font-size:1.7rem}.admin-main>.card{margin-bottom:25px}.admin-main form+.card{margin-top:25px}.admin-main .card form+form{margin-top:18px}.stats{grid-template-columns:repeat(auto-fit,minmax(145px,1fr));margin-bottom:30px}.stats strong{font:3rem Georgia}.stats .card{padding:22px}.stats p{margin:0}.filters{display:flex;gap:20px;align-items:end;margin:30px 0}.filters label{margin:0;flex:1}.notice:empty{display:none}.notice{background:#fff6d9;border:1px solid #d4b866;padding:16px;border-radius:8px}.danger{background:#fff;color:#a52020;border:1px solid #a52020;padding:10px;border-radius:6px}.chat-admin-grid{display:grid;grid-template-columns:250px 1fr;gap:30px;margin-top:25px}.chat-log{max-height:440px;overflow:auto;margin-bottom:25px}.admin-main .table-scroll td{min-width:100px}
@media(max-width:1050px){.header{width:calc(100% - 40px)}.header nav{gap:16px}.brand small{display:none}.hero{gap:40px}.wrap{width:calc(100% - 50px)}.hero-panel{padding:30px}.contact-grid{gap:35px}.admin-layout{grid-template-columns:200px 1fr}.admin-main{padding:25px}}
@media(max-width:780px){.topline{padding:8px 20px}.topline span{display:none}.header{position:relative;padding:18px 0}.brand{font-size:1.2rem}.brandmark{width:43px;height:43px;font-size:2rem}.menu-toggle{display:block;background:white;border:1px solid var(--line);border-radius:6px;padding:8px 13px}.header nav{display:none;position:absolute;left:-20px;right:-20px;top:100%;background:white;padding:22px;z-index:20;border-bottom:1px solid var(--line);box-shadow:0 10px 15px #163b4211;align-items:flex-start}.header nav.open{display:flex;flex-direction:column}.wrap{width:calc(100% - 40px)}.hero{grid-template-columns:1fr;gap:30px;padding:45px 0}.hero h1{max-width:550px}.hero-panel{border-radius:40px 12px 12px 12px}.hero-panel .eyebrow{padding-top:0}.hero-panel h2{font-size:1.8rem}.band-inner{flex-direction:column;gap:12px;padding:20px 0}.section{padding:50px 0 25px}.section-head{display:block}.section-head>a{display:inline-block;margin-bottom:15px}.cards{grid-template-columns:1fr}.card{padding:26px}.split{grid-template-columns:1fr;gap:30px;padding-bottom:35px}.cta{display:block;padding:30px;margin-bottom:45px}.cta h2{font-size:2rem}.cta .button{margin-top:25px}.footer-top{grid-template-columns:1fr;gap:20px}.footer nav{gap:12px}.page-head{padding-top:35px}.page-head h1{font-size:2.7rem}.page-head .lead{font-size:1.1rem}.product-bottom,.contact-grid{grid-template-columns:1fr;gap:15px}.form-row{grid-template-columns:1fr;gap:0}.reading p{font-size:1rem}.article-section h2{font-size:1.7rem}.table-scroll th,.table-scroll td{padding:14px}.chat-panel{right:12px;width:min(370px,calc(100% - 24px));bottom:80px}.chat-launch{bottom:15px;right:12px}.admin-layout{display:block}.sidebar{border-bottom:1px solid var(--line);padding:15px;display:flex;flex-wrap:wrap;gap:4px}.sidebar .small{display:none}.sidebar a{padding:8px}.presence-switch{margin:10px}.adminbar{padding:15px;flex-wrap:wrap;font-size:.8rem}.adminbar b span{display:none}.admin-main{padding:20px}.stats{grid-template-columns:repeat(2,1fr)}.filters{flex-direction:column;align-items:stretch}.chat-admin-grid{grid-template-columns:1fr}.auth{padding:25px}}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}

[hidden]{display:none!important}
/* September update: visual introduction and direct access to simulations. */
html{scroll-behavior:smooth;scroll-padding-top:25px}.hero{padding-top:38px;padding-bottom:32px;gap:42px}.hero h1{font-size:clamp(2.4rem,4.1vw,3.9rem);margin-bottom:20px}.hero .eyebrow{margin-bottom:16px}.hero-photo{margin:0;position:relative;border-radius:70px 16px 16px 16px;overflow:hidden;align-self:stretch;min-height:320px}.hero-photo img{width:100%;height:100%;object-fit:cover;display:block}.hero-photo figcaption{position:absolute;bottom:0;left:0;right:0;padding:45px 24px 20px;background:linear-gradient(transparent,#163b42d9);color:white;font-family:Georgia,serif;font-size:1.3rem}.simulations{padding-top:15px;padding-bottom:32px}.simulations h2{font-size:clamp(1.7rem,3vw,2.5rem);margin-bottom:24px}.simulations .eyebrow{margin-bottom:10px}.simulation-cards .card{display:flex;flex-direction:column;padding:24px;background:linear-gradient(145deg,#fff,#f6faf9)}.simulation-cards .company-logo{margin-bottom:15px}.company-logo{width:150px;height:56px;object-fit:contain;object-position:left center;max-width:100%}.company-wordmark{display:block;font-size:2.2rem;line-height:56px;height:56px;margin-bottom:15px}.simulation-cards h3{font-size:1.3rem;margin-bottom:8px}.simulation-cards .product-tag{font-weight:bold;color:var(--ink);margin-bottom:10px}.simulation-cards .small{margin-bottom:18px}.simulation-button{margin-top:auto}.simulation-cards .textlink{margin-top:12px;font-size:.87rem;text-align:center}.product-quick{display:flex;align-items:center;gap:28px;background:var(--wash);padding:22px;border-radius:16px;margin-bottom:32px}.product-quick>div{flex:1}.product-quick p{margin:4px 0 0}.product-quick .button{margin-top:0;flex-shrink:0}.table-scroll .company-logo{width:115px;height:48px;object-position:center}.table-scroll .company-wordmark{font-size:1.5rem;height:48px;line-height:48px;margin:0}.table-scroll .simulation-button{padding:12px;min-width:150px}.chat-launch{display:flex;align-items:center;gap:9px}.chat-avatar{flex-shrink:0}.chat-heading>div{flex:1}.chat-text-button{background:transparent;color:var(--teal);border:0;text-decoration:underline;padding:8px 0;margin-top:8px;font-size:.85rem}.typing{display:flex;align-items:center;gap:5px;color:var(--muted);font-size:.85rem;min-height:25px}.typing span{display:inline-block;width:6px;height:6px;border-radius:50%;background:var(--teal);animation:typing-pulse 1.2s infinite}.typing span:nth-child(2){animation-delay:.15s}.typing span:nth-child(3){animation-delay:.3s;margin-right:5px}@keyframes typing-pulse{0%,60%,100%{transform:translateY(0);opacity:.4}30%{transform:translateY(-4px);opacity:1}}#enable-notifications{font-size:.82rem;padding:9px;border:1px solid var(--line);border-radius:6px;background:var(--wash);color:var(--ink)}.chat-panel{max-height:calc(100dvh - 100px);overflow-y:auto}.chat-panel #chat-error{font-size:.85rem;color:#923827;margin:8px 0 0}#visitor-status{font-size:.85rem}.product-bottom .next-step .button{margin-bottom:10px}
@media(max-width:780px){.hero-photo{min-height:230px;max-height:300px;border-radius:40px 12px 12px 12px}.hero{padding-top:28px;gap:24px}.hero-photo img{height:300px}.simulation-cards{gap:14px}.simulation-cards .card{padding:22px}.product-quick{flex-wrap:wrap;gap:16px}.product-quick .button{width:100%}.product-quick .company-logo{width:100px}.chat-heading{gap:8px}.simulations{padding-top:10px}.simulation-cards .company-logo{height:42px}.hero .actions{margin-top:18px}}
@media(prefers-reduced-motion:reduce){.typing span{animation:none}}

/* V5: transparent insurer marks remain readable on every background. */
.company-logo{background:#fff;border:1px solid #d9e5e6;border-radius:8px;padding:7px;object-position:center;box-sizing:border-box;width:174px;height:78px}.table-scroll .company-logo{width:150px;height:70px}.typing{background:#edf5f5;border-radius:14px;padding:10px 12px;width:fit-content;color:#214c52;margin:8px 0 12px;gap:6px}.typing span{width:9px;height:9px;background:#167382;flex-shrink:0;animation:typing-pulse 1s ease-in-out infinite}.typing span:nth-child(2){animation-delay:.15s}.typing span:nth-child(3){animation-delay:.3s}.help-subscribe{margin-top:10px;font-size:.9rem}.cta .help-subscribe{background:#fff;color:var(--deep);border-color:#fff}.whatsapp{background:#146c43;color:white!important;margin-top:20px}.contact-promise{background:var(--wash);border-left:4px solid var(--teal);border-radius:10px;padding:22px;margin:0 0 28px}.contact-promise p{margin:8px 0 0}.table-scroll td{white-space:normal}
@media(prefers-reduced-motion:reduce){.typing span{animation:none}}

/* V6: actionable journey and themed comparison. */
.journey-section{background:#edf4f2;padding:52px 0 58px;margin:26px 0}.journey-heading{max-width:730px;margin-bottom:28px}.journey-heading h2{font-size:clamp(1.9rem,3vw,2.7rem);margin:12px 0}.journey-heading p:last-child{color:var(--muted)}.journey-cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px;list-style:none;padding:0;margin:0;counter-reset:step}.journey-cards li{background:white;border:1px solid #d1e1dc;border-radius:16px;padding:28px;display:flex;flex-direction:column;box-shadow:0 7px 24px #173e4208}.journey-number{font:600 3.5rem/1 Georgia,serif;color:#197786;display:block;margin-bottom:24px;letter-spacing:-.04em}.journey-cards h3{font-size:1.25rem;margin-bottom:12px}.journey-cards p{color:var(--muted);font-size:.96rem;flex:1}.journey-cards .textlink{font-weight:600;margin-top:14px}.journey-cards .help-subscribe{margin-top:14px}.compare-nav{display:flex;flex-wrap:wrap;gap:10px;margin:4px 0 18px}.compare-nav a{border:1px solid var(--line);background:#f0f6f5;padding:10px 16px;border-radius:24px;font-size:.9rem;text-decoration:none;font-weight:600}.compare-nav a:hover,.compare-nav a:focus-visible{background:var(--deep);color:white}.comparison-hint{font-size:.88rem;color:var(--muted)}.comparison-table{max-height:78vh;overflow:auto;scroll-padding-top:130px}.comparison-table thead th{position:sticky;top:0;background:var(--deep);z-index:3}.comparison-table tbody th[scope=row]{position:sticky;left:0;z-index:1;min-width:170px;max-width:200px;box-shadow:2px 0 0 #dbe6e5}.comparison-table .comparison-group th{background:#dcebe7;color:#16474b;font-weight:700;padding:15px 20px;font-size:1rem;border-top:2px solid white}.comparison-table td{min-width:235px;background:white}.comparison-table tr:nth-child(even) td{background:#fafcfb}.comparison-table tr:hover td{background:#f0f7f5}.comparison-table th,.comparison-table td{padding:18px;line-height:1.65}.comparison-table tr[id]{scroll-margin-top:130px}
@media(max-width:760px){.journey-section{padding:32px 0}.journey-cards{grid-template-columns:1fr;gap:14px}.journey-cards li{padding:24px}.journey-number{font-size:3rem;margin-bottom:15px}.comparison-table tbody th[scope=row]{min-width:125px;max-width:145px;font-size:.85rem}.comparison-table td{min-width:230px}.comparison-table{max-height:75vh}.compare-nav a{font-size:.82rem;padding:9px 12px}}

/* V7: natural page flow, no nested scrolling. */
.comparison-table{overflow:visible;max-height:none;border:0;border-radius:0;scroll-padding:0}.comparison-table table{table-layout:fixed;width:100%;font-size:.88rem}.comparison-table th,.comparison-table td,.comparison-table tbody th[scope=row]{position:static;min-width:0;max-width:none;width:25%;padding:16px 13px;overflow-wrap:anywhere;box-shadow:none}.comparison-table thead th{position:static}.comparison-table .comparison-group th{width:auto}.comparison-table .simulation-button{min-width:0;width:100%;font-size:.83rem;padding:12px 6px}.cell-copy{display:block;margin-top:8px}.coverage-badge{display:inline-flex;align-items:center;gap:5px;font-weight:650;border-radius:6px;padding:4px 9px;font-size:.8rem;line-height:1.4}.coverage-badge.yes{background:#e0f1e7;color:#145d3c}.coverage-badge.no{background:#eef1f4;color:#3c5263}.coverage-badge.detail{background:#fff1d9;color:#7c5113}.comparison-legend{font-size:.83rem;color:var(--muted);line-height:2.2}.compare-intro{padding:34px;background:#e8f3ef;border:1px solid #c5ded4;border-radius:18px;margin:0 0 32px}.compare-intro h2{font-size:clamp(1.9rem,3vw,2.6rem);max-width:820px}.compare-intro p{max-width:820px}.compare-intro .small{margin:18px 0 0}.compare-at-glance{margin:40px 0}.compare-at-glance .card{padding:23px;display:flex;flex-direction:column}.compare-at-glance h3{margin-top:18px}.compare-at-glance a{margin-top:auto}.compare-at-glance .small{border-top:1px solid var(--line);padding-top:14px}.comparison-section{margin:52px 0}.example-number{font:2.4rem Georgia,serif;color:var(--teal);display:block;margin-bottom:18px}.comparison-section .card .button{font-size:.85rem;padding:12px}.essential-card{display:grid;grid-template-columns:1fr 2fr;gap:34px;padding:30px;border:1px solid var(--line);border-radius:16px;margin:20px 0;background:#fff}.essential-card h3{margin-top:18px}.essential-card .actions .button{font-size:.9rem}.orientation-box{background:var(--deep);color:white;border-radius:20px;padding:34px;margin:45px 0}.orientation-box h2{color:white}.orientation-box .eyebrow{color:#b8e1d5}.orientation-box>p{max-width:760px}.quiz-step{border:0;padding:0;margin:20px 0}.quiz-step legend{font-size:1.25rem;font-weight:650;margin-bottom:18px}.quiz-options{display:grid;grid-template-columns:1fr 1fr;gap:12px}.quiz-options label{display:flex;align-items:center;gap:12px;padding:18px;border:1px solid #608385;border-radius:10px;cursor:pointer;background:#214e54;margin:0;color:white}.quiz-options label:has(input:checked){background:#fff;color:#163b42;border-color:#fff}.quiz-options input[type=radio]{display:inline-block;width:20px!important;min-height:20px!important;height:20px;flex:0 0 20px;margin:0;accent-color:#188278}.orientation-box .button.outline{color:white;border-color:#b8d2ce;background:transparent}.quiz-result{background:white;color:var(--ink);border-radius:12px;padding:25px}.quiz-result .button.outline{color:var(--ink);border-color:var(--line)}#quiz-error{color:#ffddb0}#quiz-progress{color:#b8e1d5}.home-compare-help{border:1px solid #bad9cd;background:#edf6f0;border-radius:14px;padding:25px;margin-top:20px}.comparison-table [id]{scroll-margin-top:25px}
@media(max-width:820px){.comparison-table table,.comparison-table tbody,.comparison-table tr,.comparison-table th,.comparison-table td{display:block;width:100%;box-sizing:border-box}.comparison-table thead{display:none}.comparison-table caption{display:block}.comparison-table tbody th[scope=row]{width:100%;min-width:0;max-width:none;background:#e9f1ef;font-size:1rem;padding:16px}.comparison-table td{width:100%;min-width:0;padding:18px;border-top:1px solid #e3ece9}.comparison-table td:before{content:attr(data-company);display:block;font-size:.95rem;font-weight:700;margin-bottom:8px;color:#183e44}.comparison-table .comparison-group th{background:var(--deep);color:white;width:100%;padding:18px}.comparison-table tbody tr{border:1px solid #d4e3dd;border-radius:10px;margin:14px 0;overflow:hidden}.comparison-table .simulation-button{width:auto}.comparison-table{max-height:none;overflow:visible}.essential-card{grid-template-columns:1fr;gap:16px;padding:23px}.compare-intro,.orientation-box{padding:24px}.quiz-options{grid-template-columns:1fr}.compare-at-glance .cards,.comparison-section .cards{grid-template-columns:1fr}}
/* V8: concise comparison and wider, editable price example. */
.comparison-table{max-width:1100px;margin-inline:auto}.comparison-table .cell-copy{font-size:.94rem;line-height:1.55}.comparison-table td{vertical-align:top}.comparison-notes{margin:20px auto 40px;max-width:1100px}.comparison-notes summary{cursor:pointer;font-weight:bold;padding:14px 0}.comparison-notes p{font-size:.87rem;max-width:950px}.price-banner{background:#123e43;color:#fff;border-radius:24px;padding:clamp(22px,4vw,48px);margin:40px 0 60px;box-shadow:0 16px 40px #133e4312}.price-heading{display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap}.price-banner .eyebrow{color:#d6f281}.price-year{border:1px solid #789b99;padding:6px 14px;border-radius:30px;font-weight:bold}.price-banner h2{margin:20px 0}.price-profile{font-size:1.2rem}.price-profile span{margin:0 8px;color:#d6f281}.price-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;margin:28px 0}.price-grid article{background:#fff;color:var(--ink);padding:24px;border-radius:14px}.price-grid h3{font-size:1.15rem;margin:15px 0}.price-amount{font:bold clamp(2rem,3.3vw,3rem) Arial,sans-serif;margin:20px 0}.price-amount small{display:block;font:normal .9rem Arial,sans-serif;margin-top:8px}.price-grid .button{font-size:.9rem;padding:14px;width:100%}.price-banner .price-note{font-size:.87rem;line-height:1.6;color:#dceae7}.price-banner>.actions>.button{background:#d6f281;color:#153c3c;border-color:#d6f281}.price-banner>.actions>.outline{background:transparent;color:#fff;border-color:#b5cecb}.price-grid .company-logo{max-width:100%}
@media(max-width:820px){.price-grid{grid-template-columns:1fr}.price-banner{padding:22px 18px;border-radius:16px}.price-profile span{margin:0 3px}.price-grid article{padding:22px}.price-amount small{display:inline;margin-left:8px}.comparison-table{width:100%;overflow:visible}}

.coverage-tick{color:#087451;font-weight:800;font-size:1.12em;margin-right:4px}
/* V9: symbols, distinct audience profiles, and quote details. */
.coverage-cross{display:inline-block;color:#9a3744;font-size:1.16em;font-weight:800;margin-right:4px}.audience-row th,.audience-row td{background:#e5f4ec!important}.audience-row .cell-copy{font-size:.93rem;line-height:1.95}.audience-row .cell-copy::first-line{font-weight:800;font-size:.82rem;letter-spacing:.02em}.feature-list{padding:0;margin:0 0 26px;list-style:none;display:grid;gap:0}.feature-list li{padding:12px 0;border-bottom:1px solid #dce7e3;line-height:1.5}.essential-card .actions{align-items:center}.essential-card .actions .button{min-height:54px;margin:0}.award-card{border:1px solid #d4bc76;background:#fcf7e6;border-radius:12px;padding:18px;margin-top:22px;display:grid;gap:9px}.award-card strong{font:700 1.9rem Georgia,serif;color:#64531e}.award-card span,.award-card a{font-size:.86rem;line-height:1.45}.price-profile{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin:28px 0}.price-profile>div{display:flex;align-items:center;gap:16px;padding:18px;border:1px solid #60827f;border-radius:12px;background:#214a4f}.price-profile .profile-icon{width:38px;height:38px;flex:0 0 38px;color:#d6f281}.price-profile span{margin:0;color:white}.price-profile small{display:block;color:#d7e7e3;font-size:.8rem;margin-bottom:5px}.price-profile strong{font-size:1.3rem}.quote-details{border:1px solid var(--line);border-radius:12px;padding:20px;margin:0 0 24px;background:#f4f9f6}.quote-details legend{font-weight:700;padding:0 8px}.quote-summary{display:flex;gap:30px;padding:18px;background:#edf5f1;border-radius:10px}.quote-summary dt{font-size:.85rem}.quote-summary dd{margin:4px 0 0;font-weight:700}
@media(max-width:820px){.price-profile{grid-template-columns:1fr;gap:10px}.price-profile>div{padding:14px}.essential-card .actions{align-items:stretch;flex-direction:column}.quote-summary{flex-direction:column;gap:10px}.audience-row .cell-copy{line-height:1.8}}
.download-guide{display:grid;grid-template-columns:minmax(180px,260px) 1fr;gap:clamp(25px,5vw,60px);align-items:center;padding:clamp(25px,4vw,50px);background:#edf4f0;border:1px solid #d1e2d8;border-radius:20px;margin:55px 0}.book-preview{perspective:900px}.book-preview img{display:block;width:100%;height:auto;transform:rotate(-4deg);border-radius:3px 10px 10px 3px;box-shadow:12px 18px 25px #173d4330;border-left:7px solid #0d3036}.download-guide .feature-list{margin:18px 0}.download-guide .feature-list li{padding:7px 0;border:0}.download-guide .small{margin:14px 0 0}.download-guide .actions{align-items:stretch}.download-guide .actions .button{margin:0}
@media(max-width:700px){.download-guide{grid-template-columns:1fr;padding:25px}.book-preview{max-width:180px;margin:0 auto 15px}.download-guide .actions{flex-direction:column}.download-guide h2{font-size:2rem}}
/* Prominent chat access; status is factual and does not promise an instant reply. */
.chat-cta{background:#d6f281;border-color:#91b747;color:#123e43;font-weight:800;box-shadow:0 3px 0 #a2c35d}.chat-cta:hover{background:#e0f7a7;color:#123e43}.chat-cta img{flex:0 0 26px}.chat-invitation{display:grid;grid-template-columns:1.5fr 1fr;gap:30px;align-items:center;background:#e6f3ed;border:1px solid #b8d8cb;border-left:6px solid #238072;border-radius:16px;padding:30px;margin:25px 0 35px}.chat-invitation h2{font-size:2rem;margin-bottom:15px}.chat-invitation p:last-child{margin-bottom:0}.chat-availability{font-size:.9rem;font-weight:650;color:#405e58;margin:15px 0 8px}.chat-availability[data-availability=live]{color:#086345}.chat-availability[data-availability=live]:before{content:'●';margin-right:8px}.home-compare-help .actions{align-items:stretch}.home-compare-help .actions .button{margin:0}.chat-launch{box-shadow:0 8px 25px #123e4340;border:2px solid #c4e782!important;font-weight:750}.essential-card .actions{gap:12px}
@media(max-width:820px){.chat-invitation{grid-template-columns:1fr;padding:23px;gap:12px}.chat-invitation .chat-cta{width:100%}.home-compare-help .actions{flex-direction:column}.home-compare-help .actions .button{width:100%}}
/* V10: aligned fields and visual orientation */
.quote-details .form-row{align-items:stretch}.quote-details .form-row>label{display:flex;flex-direction:column;justify-content:space-between;gap:.6rem}.quote-details input,.quote-details select{height:3.4rem;margin-top:0;width:100%;min-width:0}
.quiz-recommendation{background:white;border:2px solid #175768;border-radius:20px;overflow:hidden;margin:1.5rem 0;padding-bottom:1.5rem}.quiz-result-heading{background:#e5f2ef;padding:1.5rem;text-align:center}.quiz-result-heading .company-logo{background:#fff;border-radius:12px;padding:12px;box-sizing:content-box}.quiz-recommendation ul{list-style:none;padding:0 1.5rem}.quiz-recommendation li{padding:1rem 0;border-bottom:1px solid #dce6e8;font-weight:600}.quiz-recommendation>p,.quiz-recommendation>a{margin:1rem 1.5rem;display:block}
.budget-layout{display:grid;grid-template-columns:minmax(0,1.6fr) minmax(260px,1fr);gap:2rem}.budget-summary{background:#123f48;color:#fff;padding:1.5rem;border-radius:20px;align-self:start;position:sticky;top:1rem}.budget-summary output{display:block;font-size:2.6rem;font-weight:800}.budget-summary a{color:inherit}.budget-fields{display:grid;grid-template-columns:1fr 1fr;gap:1rem}.budget-fields label{display:flex;flex-direction:column;justify-content:space-between;gap:.5rem}.budget-fields input,.budget-fields select{width:100%;min-width:0}.budget-hero{display:grid;grid-template-columns:1fr 1fr;gap:2rem;align-items:center;margin-bottom:2rem}.budget-hero img{width:100%;border-radius:20px}.budget-form fieldset{margin-bottom:1.4rem}.budget-summary .button{margin-top:1rem}.budget-summary .small{color:#e0eded}
@media(max-width:700px){.budget-layout,.budget-hero,.budget-fields{grid-template-columns:1fr}.budget-summary{position:static}.quote-details .form-row>label{gap:.6rem}}
@media print{body:has(#funeral-budget) .header,body:has(#funeral-budget) .topline,body:has(#funeral-budget) footer,body:has(#funeral-budget) .chat-launch,body:has(#funeral-budget) .chat-panel,body:has(#funeral-budget) .chat-invitation,#funeral-budget .actions{display:none!important}.budget-layout{display:block}.budget-summary{position:static;color:#123f48;background:white;border:1px solid;padding:1rem}.budget-summary .small{color:#123f48}.budget-hero img{max-height:140px;object-fit:cover}}
/* V11: explicit contrast, natural image ratio and editorial cards */
.orientation-box .quiz-recommendation{color:#163b42;background:#fff}.orientation-box .quiz-recommendation h3,.orientation-box .quiz-recommendation p,.orientation-box .quiz-recommendation li,.orientation-box .quiz-recommendation a{color:#163b42}.orientation-box .quiz-result-heading .eyebrow{color:#09605c}.orientation-box #quiz-result>.small{color:#d7e7e5}.orientation-box #quiz-restart:hover{color:#163b42;background:#e9f2f2}
.budget-hero img{display:block;height:auto;aspect-ratio:3/2;object-fit:cover;max-height:390px}.budget-summary output{font-variant-numeric:tabular-nums}
.cost-editorial{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px;margin:48px 0}.cost-editorial .article-section{position:relative;margin:0;padding:30px;border:1px solid #cbdedb;border-radius:18px;background:#f3f8f6;overflow:hidden}.cost-editorial .article-section h2{font-family:Arial,Helvetica,sans-serif;font-size:1.4rem;line-height:1.3;letter-spacing:-.02em;margin:18px 0 14px}.cost-editorial .article-section p{margin:0;line-height:1.8}.cost-number{display:inline-flex;align-items:center;justify-content:center;width:42px;height:42px;border-radius:12px;background:#d6f281;color:#163b42;font-weight:800}.cost-editorial .article-section:first-child{grid-column:1/-1;background:#123f48;color:#fff;border:0;padding:36px}.cost-editorial .article-section:first-child h2{font-size:1.7rem}.cost-editorial .article-section:nth-child(4){background:#e4f0e9;border-top:5px solid #096b68}.cost-editorial .article-section:last-child{grid-column:1/-1;background:#e4f0e9}
@media(max-width:700px){.cost-editorial{grid-template-columns:1fr}.cost-editorial .article-section{padding:24px}.budget-hero img{max-height:280px}}
.compare-intro.compare-personal-help{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:18px 36px;align-items:center}.compare-personal-help h2{max-width:none;grid-column:1;margin:0;font-size:clamp(1.8rem,3vw,2.5rem);text-wrap:balance}.compare-personal-help p{max-width:none;grid-column:1;margin:0}.compare-personal-help>.button{grid-column:2;grid-row:1/3;max-width:280px;text-align:center}
@media(max-width:900px){.compare-intro.compare-personal-help{grid-template-columns:1fr}.compare-personal-help>.button{grid-column:1;grid-row:auto;max-width:none;justify-self:start}}
.notification-action{padding:22px 0;border-top:1px solid #d7e3e0}.notification-action form{margin:0 0 12px}.notification-action p{margin:0}.password-actions{display:flex;flex-wrap:wrap;gap:10px;margin:12px 0 18px}.password-actions .button{padding:10px 14px;font-size:.9rem}.activation-card{max-width:700px}.activation-card h1{font-size:2.4rem}.invitation-ready{border:2px solid #096b68!important;background:#eff8f3!important}.invitation-ready input{font-size:.9rem}
/* Google Ads consent: same visual weight for accepting and refusing. */
.tracking-choice{position:fixed;z-index:2000;left:1.25rem;bottom:calc(1.25rem + env(safe-area-inset-bottom));width:min(620px,calc(100% - 2.5rem));max-height:calc(100dvh - 2.5rem);overflow:auto;padding:1.4rem 1.6rem;background:#fff;color:#143c44;border:1px solid #b7d2d4;border-radius:18px;box-shadow:0 12px 44px #123c4430;text-align:left;font-family:Arial,sans-serif}
.tracking-choice[hidden],.tracking-choice [hidden]{display:none!important}
.tracking-choice .tracking-kicker{font-size:.7rem;font-weight:700;letter-spacing:.13em;color:#126d6d;margin:0 0 .5rem}
.tracking-choice h2{font-family:inherit;font-size:1.2rem;line-height:1.35;color:#143c44;margin:0 0 .7rem;font-weight:700}
.tracking-choice p{font-size:.92rem;line-height:1.55;color:#294b53;margin:0 0 .8rem}
.tracking-choice .tracking-details{font-size:.82rem;margin-bottom:1rem}
.tracking-choice a{color:#075f66;text-decoration:underline;text-underline-offset:3px}
.tracking-choice .tracking-reload{font-size:.82rem;padding:.7rem;background:#f1f7f6;border-radius:8px}
.tracking-buttons{display:grid;grid-template-columns:1fr 1fr;gap:.75rem}
.tracking-buttons button{background:#fff;color:#075f66;border:2px solid #0b6b6b;min-height:46px;padding:.65rem .8rem;font-size:.9rem;font-weight:700;border-radius:8px;cursor:pointer;line-height:1.35;font-family:inherit}
.tracking-buttons button:hover{background:#e7f3ef}
.tracking-buttons button:focus-visible,.tracking-choice:focus-visible{outline:3px solid #075f66;outline-offset:3px}
.footer .cookie-preferences{font:inherit;font-size:inherit;color:inherit;background:none;border:0;padding:0;cursor:pointer;text-align:left;text-decoration:underline;text-underline-offset:3px}
.tracking-status{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip-path:inset(50%);white-space:nowrap;border:0}
.tracking-cookie-list{padding:1rem 1.2rem;border:1px solid #cbdcdb;border-radius:12px;background:#f4f8f7;margin:1.2rem 0}
.tracking-cookie-list p:last-child{margin-bottom:0}
@media(max-width:480px){.tracking-choice{left:.75rem;bottom:calc(.75rem + env(safe-area-inset-bottom));width:calc(100% - 1.5rem);padding:1.1rem}.tracking-buttons{gap:.5rem}.tracking-buttons button{font-size:.84rem}}
@media print{.tracking-choice,.tracking-status,.cookie-preferences{display:none!important}}