:root{
  --red:#D80032; --red-dark:#A80027; --blush:#FDEEF2;
  --ink:#2F2F33; --body:#4A4A50; --muted:#77777E;
  --line:#E6E3E4; --paper:#FFFFFF; --mist:#F6F4F4; --deep:#26262A;
  --radius-lg:22px; --radius:12px; --radius-sm:8px;
  --wrap:1160px;
  --font:"Figtree",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{animation:none!important;transition:none!important}}
body{margin:0;font-family:var(--font);color:var(--body);background:var(--paper);font-size:17px;line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:var(--red-dark)}
a:focus-visible,button:focus-visible,summary:focus-visible{outline:3px solid var(--red);outline-offset:3px;border-radius:6px}
h1,h2,h3,h4{color:var(--ink);line-height:1.15;margin:0 0 .5em;font-weight:800;letter-spacing:-.015em}
h1{font-size:clamp(2.1rem,4.6vw,3.5rem)}
h2{font-size:clamp(1.6rem,3vw,2.35rem)}
h3{font-size:1.2rem;font-weight:700;letter-spacing:0}
p{margin:0 0 1em;max-width:68ch}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-9999px}.skip:focus{left:16px;top:16px;background:#fff;padding:8px 14px;z-index:99}

/* Top strip */
.topbar{background:var(--deep);color:#e9e9ec;font-size:.9rem}
.topbar .wrap{display:flex;justify-content:space-between;gap:16px;padding-top:8px;padding-bottom:8px;flex-wrap:wrap}
.topbar a{color:#fff;text-decoration:none;font-weight:600}
.topbar a:hover{text-decoration:underline}

/* Header */
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:78px}
.brand img{height:62px;width:auto}
.nav{display:flex;align-items:center;gap:4px}
.nav a{white-space:nowrap;color:var(--ink);text-decoration:none;font-weight:600;font-size:.95rem;padding:10px 10px;border-radius:var(--radius-sm)}
.nav a:hover{background:var(--mist)}
.nav a[aria-current="page"]{color:var(--red)}
.nav .btn{margin-left:8px;color:#fff}
.nav .btn:hover{background:var(--red-dark)}
.menu-toggle{display:none;background:none;border:1px solid var(--line);border-radius:var(--radius-sm);padding:10px 14px;font:inherit;font-weight:700;color:var(--ink);cursor:pointer}
@media (max-width:1460px){
  .menu-toggle{display:block}
  .nav{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;flex-direction:column;align-items:stretch;padding:12px 24px 20px;border-bottom:1px solid var(--line);box-shadow:0 12px 24px rgba(40,20,25,.08)}
  .nav.open{display:flex}
  .nav .btn{margin:8px 0 0;text-align:center}
}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--red);color:#fff;text-decoration:none;font-weight:700;padding:14px 22px;border-radius:999px;border:2px solid var(--red);font-size:1rem;line-height:1.2;transition:background .15s}
.btn:hover{background:var(--red-dark);border-color:var(--red-dark)}
.btn.ghost{background:transparent;color:var(--ink);border-color:var(--ink)}
.btn.ghost:hover{background:var(--ink);color:#fff}
.btn.light{background:#fff;color:var(--red-dark);border-color:#fff}
.btn.light:hover{background:var(--blush)}
.btn.outline-light{background:transparent;color:#fff;border-color:rgba(255,255,255,.7)}
.btn.outline-light:hover{background:rgba(255,255,255,.12)}
.btn-row{display:flex;flex-wrap:wrap;gap:12px}

/* Hero — the one bold element: the logo's red chevron */
.hero{position:relative;overflow:hidden;background:var(--mist)}
.hero::after{content:"";position:absolute;right:-6%;top:0;width:46%;height:100%;background:var(--red);clip-path:polygon(0 0,100% 0,100% 100%,62% 100%);opacity:.95;pointer-events:none}
.hero .wrap{position:relative;z-index:1;display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center;padding-top:72px;padding-bottom:80px}
.hero .lead{font-size:1.2rem;color:var(--body);max-width:52ch}
.hero-points{list-style:none;padding:0;margin:26px 0 30px;display:grid;gap:10px}
.hero-points li{display:flex;gap:10px;align-items:flex-start;font-weight:600;color:var(--ink)}
.hero-points svg{flex:none;margin-top:3px}
.picker{background:#fff;border-radius:var(--radius-lg);padding:28px;box-shadow:0 24px 60px rgba(60,10,25,.18)}
.picker h2{font-size:1.35rem;margin-bottom:4px}
.picker p{font-size:.95rem;color:var(--muted);margin-bottom:18px}
.picker > a{display:flex;align-items:center;gap:14px;text-decoration:none;color:var(--ink);padding:14px 16px;border:1px solid var(--line);border-radius:var(--radius);margin-bottom:10px;font-weight:700}
.picker > a:hover{border-color:var(--red);background:var(--blush)}
.picker > a small{display:block;font-weight:500;color:var(--muted);font-size:.86rem}
.picker .ico{flex:none;width:42px;height:42px;border-radius:50%;background:var(--blush);display:grid;place-items:center;color:var(--red)}
.picker .note{font-size:.84rem;margin:12px 0 0}
@media (max-width:900px){
  .hero::after{width:70%;right:-30%;opacity:.9;clip-path:polygon(40% 0,100% 0,100% 100%,85% 100%)}
  .hero .wrap{grid-template-columns:1fr;padding-top:48px;padding-bottom:56px}
}

/* Page hero (inner pages) */
.page-hero{position:relative;overflow:hidden;background:var(--deep);color:#fff}
.page-hero::after{content:"";position:absolute;right:0;top:0;width:34%;height:100%;background:var(--red);clip-path:polygon(35% 0,100% 0,100% 100%,78% 100%)}
.page-hero .wrap{position:relative;z-index:1;padding-top:64px;padding-bottom:64px}
.page-hero h1{color:#fff;max-width:18ch}
.page-hero p{color:#dcdce0;font-size:1.15rem;max-width:56ch}
.page-hero .btn-row{margin-top:26px}
@media (max-width:760px){.page-hero::after{width:40%;opacity:.5}}

/* Sections */
section{padding:84px 0}
section.tint{background:var(--mist)}
.section-head{max-width:720px;margin-bottom:40px}
.section-head p{font-size:1.1rem}

/* Why us row */
.why{display:grid;grid-template-columns:repeat(4,1fr);gap:36px}
.why h3{margin-top:14px}
.why p{font-size:.98rem}
.why .mark{width:54px;height:54px;border-radius:16px;background:var(--blush);color:var(--red);display:grid;place-items:center}
@media (max-width:900px){.why{grid-template-columns:repeat(2,1fr)}}
@media (max-width:540px){.why{grid-template-columns:1fr}}

/* Coverage list — rows, not identical cards */
.coverage{border-top:1px solid var(--line)}
.cov-row{display:grid;grid-template-columns:260px 1fr auto;gap:28px;align-items:center;padding:28px 0;border-bottom:1px solid var(--line)}
.cov-row h3{font-size:1.35rem;margin:0}
.cov-row p{margin:0;font-size:1rem}
.cov-row .tag{display:inline-block;margin-top:8px;font-size:.82rem;font-weight:700;color:var(--red-dark);background:var(--blush);padding:3px 10px;border-radius:999px}
@media (max-width:820px){.cov-row{grid-template-columns:1fr;gap:12px}}

/* Band CTA */
.band{background:var(--red);color:#fff;position:relative;overflow:hidden}
.band::before{content:"";position:absolute;left:-8%;top:0;width:30%;height:100%;background:var(--red-dark);clip-path:polygon(0 0,100% 0,40% 100%,0 100%)}
.band .wrap{position:relative;display:flex;justify-content:space-between;align-items:center;gap:32px;flex-wrap:wrap}
.band h2{color:#fff;max-width:22ch;margin-bottom:8px}
.band p{color:#ffe3ea;margin:0}

/* Two column content */
.split{display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:start}
@media (max-width:900px){.split{grid-template-columns:1fr;gap:36px}}
.prose h2{margin-top:0}
.prose h3{margin-top:1.6em}
.prose ul{padding-left:1.2em;margin:0 0 1.2em}
.prose li{margin-bottom:.5em;max-width:66ch}

/* Tool panel — where the quoting tools live */
.tool{background:#fff;border:2px solid var(--ink);border-radius:var(--radius-lg);padding:30px;position:sticky;top:104px}
.tool.red{border-color:var(--red)}
.tool h3{font-size:1.4rem;margin-bottom:6px}
.tool p{font-size:.98rem}
.tool .btn{width:100%;margin-top:8px}
.tool .steps{list-style:none;padding:0;margin:18px 0;counter-reset:s}
.tool .steps li{counter-increment:s;display:flex;gap:12px;align-items:flex-start;margin-bottom:12px;font-size:.96rem}
.tool .steps li::before{content:counter(s);flex:none;width:26px;height:26px;border-radius:50%;background:var(--ink);color:#fff;font-weight:700;font-size:.85rem;display:grid;place-items:center}
.tool .fine{font-size:.82rem;color:var(--muted);margin:14px 0 0}
.tool hr{border:0;border-top:1px solid var(--line);margin:22px 0}
@media (max-width:900px){.tool{position:static}}

/* Callout */
.callout{background:var(--blush);border-left:5px solid var(--red);padding:20px 24px;border-radius:0 var(--radius) var(--radius) 0;margin:24px 0}
.callout p:last-child{margin:0}

/* Plan type grid (varied: first is wide) */
.types{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.types article{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px}
.types article.wide{grid-column:span 2;background:var(--deep);color:#e2e2e6;border-color:var(--deep)}
.types article.wide h3{color:#fff}
.types article p{font-size:.98rem;margin:0}
.types .part{font-weight:800;color:var(--red);font-size:.95rem;margin-bottom:6px;display:block}
.types article.wide .part{color:#ff8aa6}
@media (max-width:900px){.types{grid-template-columns:1fr 1fr}.types article.wide{grid-column:span 2}}
@media (max-width:600px){.types{grid-template-columns:1fr}.types article.wide{grid-column:auto}}

/* Dental and vision option pages */
.plan-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:22px}
.plan-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:28px;display:flex;flex-direction:column;align-items:flex-start}
.plan-card h2{font-size:1.5rem;margin:0 0 10px}
.plan-card p{color:var(--body)}
.plan-card .btn-row{margin-top:auto;padding-top:12px}
.plan-card .btn{font-size:.9rem;padding:11px 17px}
.plan-card .text-links{display:flex;flex-wrap:wrap;gap:8px 18px;margin-top:14px;font-size:.9rem}
.plan-card .text-links a{color:var(--red-dark);font-weight:700}
.plan-tabs{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:28px}
.plan-tabs a{color:var(--ink);background:#fff;border:1px solid var(--line);border-radius:999px;padding:10px 18px;text-decoration:none;font-weight:700}
.plan-tabs a[aria-current="page"]{background:var(--deep);border-color:var(--deep);color:#fff}
@media (max-width:720px){.plan-grid{grid-template-columns:1fr}.plan-card{padding:22px}}

/* Timeline (real sequence) */
.timeline{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border-top:3px solid var(--ink)}
.timeline div{padding:22px 22px 0 0}
.timeline strong{display:block;color:var(--red);font-size:1.05rem;margin-bottom:4px}
.timeline h3{font-size:1.1rem;margin-bottom:6px}
.timeline p{font-size:.96rem}
@media (max-width:760px){.timeline{grid-template-columns:1fr}.timeline div{border-bottom:1px solid var(--line);padding:18px 0}}

/* FAQ */
.faq details{border-bottom:1px solid var(--line);padding:4px 0}
.faq summary{cursor:pointer;list-style:none;font-weight:700;color:var(--ink);font-size:1.08rem;padding:18px 40px 18px 0;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:6px;top:12px;font-size:1.6rem;color:var(--red);font-weight:400}
.faq details[open] summary::after{content:"–"}
.faq details p{padding-bottom:12px}

/* Team */
.team{display:grid;grid-template-columns:repeat(3,1fr);gap:32px}
.person img{width:100%;aspect-ratio:1/1;object-fit:cover;border-radius:var(--radius-lg);background:var(--mist)}
.person h3{margin:18px 0 2px;font-size:1.3rem}
.person .role{color:var(--red-dark);font-weight:700;margin-bottom:10px}
.person .contact{font-size:.95rem;margin-bottom:12px}
.person .contact a{display:block;text-decoration:none;font-weight:600}
.person p{font-size:.97rem}
@media (max-width:900px){.team{grid-template-columns:1fr 1fr}}
@media (max-width:600px){.team{grid-template-columns:1fr}}

/* Testimonials */
.quotes{display:grid;grid-template-columns:1fr 1fr;gap:40px}
.quotes blockquote{margin:0;font-size:1.25rem;line-height:1.5;color:var(--ink);font-weight:500;padding-left:22px;border-left:4px solid var(--red)}
.quotes cite{display:block;margin-top:14px;font-style:normal;font-weight:700;color:var(--muted);font-size:1rem}
@media (max-width:760px){.quotes{grid-template-columns:1fr}}

/* Doc list */
.checklist{list-style:none;padding:0;margin:0 0 1em}
.checklist li{position:relative;padding:10px 0 10px 34px;border-bottom:1px solid var(--line);max-width:none}
.checklist li::before{content:"";position:absolute;left:4px;top:17px;width:14px;height:8px;border-left:3px solid var(--red);border-bottom:3px solid var(--red);transform:rotate(-45deg)}

/* Quote hub */
.hub{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}
.hub a.route{display:block;text-decoration:none;color:var(--body);border:1px solid var(--line);border-radius:var(--radius-lg);padding:28px;background:#fff}
.hub a.route:hover{border-color:var(--red);box-shadow:0 10px 30px rgba(60,10,25,.08)}
.hub a.route h2{font-size:1.45rem;margin-bottom:6px}
.hub a.route .go{display:inline-block;margin-top:10px;font-weight:700;color:var(--red-dark)}
.hub a.route.feature{grid-column:span 2;background:var(--deep);border-color:var(--deep);color:#dcdce0}
.hub a.route.feature h2{color:#fff}
.hub a.route.feature .go{color:#ff8aa6}
@media (max-width:760px){.hub{grid-template-columns:1fr}.hub a.route.feature{grid-column:auto}}

/* Disclaimers */
.disclaimer{font-size:.85rem;color:var(--muted);border-top:1px solid var(--line);padding-top:20px;margin-top:32px}
.disclaimer p{max-width:none}

/* Footer */
.site-footer{background:var(--deep);color:#c9c9ce;padding:64px 0 28px;font-size:.95rem}
.site-footer .grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:36px}
.site-footer h4{color:#fff;font-size:1rem;margin-bottom:14px}
.site-footer a{color:#fff;text-decoration:none}
.site-footer a:hover{text-decoration:underline}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin-bottom:8px}
.site-footer .logo-chip{background:#fff;display:inline-block;padding:10px 14px;border-radius:var(--radius);margin-bottom:16px}
.site-footer .logo-chip img{height:44px}
.site-footer .legal{border-top:1px solid #3b3b40;margin-top:40px;padding-top:20px;font-size:.82rem;color:#9a9aa1}
.site-footer .legal p{max-width:none;margin-bottom:.6em}
@media (max-width:900px){.site-footer .grid{grid-template-columns:1fr 1fr}}
@media (max-width:540px){.site-footer .grid{grid-template-columns:1fr}}

@media (max-width:600px){.hero::after{width:14px;right:0;clip-path:none}.brand img{height:50px}}