:root{--navy:#092c50;--ink:#17324a;--gold:#e8b84f;--soft:#f3f5f6;--line:#dbe2e8;--muted:#556879}*{box-sizing:border-box}body{margin:0;color:var(--ink);background:white;font-family:Arial,Helvetica,sans-serif;font-size:16px;line-height:1.65}a{color:var(--navy);text-underline-offset:4px}a:hover{text-decoration-thickness:2px}button,input,select,textarea{font:inherit}button,.button{cursor:pointer;border:0;border-radius:4px;padding:13px 20px;background:var(--gold);color:#092442;font-weight:700;text-decoration:none;display:inline-flex;gap:18px;justify-content:space-between;align-items:center;line-height:1.4}button:hover,.button:hover{background:#f4ca70}.button.outline{background:transparent;border:1px solid #9fb1c1;color:white}.button.dark{background:var(--navy);color:white}button:focus-visible,a:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid #ba7b00;outline-offset:4px}.wrap{max-width:1240px;width:calc(100% - 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#00152c)}.art-label{position:relative;display:block;text-align:right;font-size:10px;letter-spacing:3px;color:#a9bfce;margin-right:20px}.art-note{border-left:3px solid var(--gold);padding-left:15px;position:relative;margin-left:28%;font-size:14px}.art-note span{display:block;color:#b5c8d7;font-size:12px}.strip{background:#f2ede2;border-bottom:1px solid #e4ddcc;font-size:12px;font-weight:700}.strip .wrap{display:flex;justify-content:space-between;padding:19px 0}.section{padding-top:76px;padding-bottom:76px}.section-title{display:flex;justify-content:space-between;align-items:end;gap:20px;margin-bottom:30px}.section-title h2{margin-bottom:0}.section-title>a{font-size:13px;white-space:nowrap}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:30px 0}.card{padding:30px;border:1px solid var(--line);border-radius:7px;background:white;min-width:0}.card p{color:var(--muted);font-size:15px}.card h2{font-size:27px}.card a,.card 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textarea{display:block;width:100%;margin-top:7px;min-height:46px;padding:10px 12px;border:1px solid #b6c3ce;background:white;border-radius:3px;color:var(--ink);font-size:14px}.form-grid textarea{resize:vertical}.full{grid-column:1/-1}.form-grid .check{font-weight:400;line-height:1.7}.check input{display:inline-block;width:17px;min-height:17px;margin:0 7px 0 0;vertical-align:middle}.form-grid p{margin:0}.form-grid button{grid-column:1/-1;justify-content:center}.page-head{padding-top:70px;padding-bottom:20px}.page-head h1{max-width:900px}.page-head .lead{max-width:820px;color:var(--muted)}.notice{padding:22px 26px;border-left:4px solid #bc8a2b;background:#fbf6e9;margin-bottom:30px;font-size:14px}.notice b{display:block}.readable{max-width:850px}.readable li{margin-bottom:14px}.details{padding-bottom:75px}.details h2{font-size:30px}.details p{font-size:14px;color:var(--muted)}.result{background:var(--navy);padding:34px;border-radius:8px;color:white}.result h2{font-size:25px}.result 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#ae7e22;background:var(--soft);font-size:22px}footer{background:#07243f;color:#c1d0dd;padding:45px 0}footer a{color:white}.footer-top{display:flex;align-items:center;justify-content:space-between;gap:25px}.footer-top p{font-size:14px;margin:0}footer .brand{color:white}footer .small{color:#adbfce;margin:25px 0}.footer-links{display:flex;gap:25px;font-size:12px}.footer-links span{margin-left:auto}.skip{position:absolute;left:10px;top:-100px;padding:10px;background:white;z-index:20}.skip:focus{top:10px}ul,ol{padding-left:23px}img{max-width:100%}
@media(min-width:1450px){.hero-grid{min-height:650px}}@media(max-width:1150px){.header-inner{gap:20px}.wrap{width:calc(100% - 48px)}nav{gap:11px}nav a{font-size:11px}.brand{font-size:25px}.split{gap:30px}.hero-grid{gap:10px}.actions .button{font-size:13px}.negotiation{padding:35px;gap:30px}.negotiation h2{font-size:33px}}
@media(max-width:900px){.menu-toggle{display:block;font-size:13px;padding:10px 14px}.header-inner{min-height:78px;flex-wrap:wrap;gap:0;padding:17px 0}nav{display:none;flex-basis:100%;padding:20px 0 0;gap:0}nav.open{display:flex;flex-direction:column;align-items:stretch}nav a{max-width:none;padding:12px;font-size:14px;border-bottom:1px solid var(--line)}nav a:last-child{margin-top:10px}.hero-grid{min-height:auto;padding:50px 0;grid-template-columns:1fr 1fr}.hero h1{font-size:42px}.hero-art img{width:120%}.art-label{font-size:8px}.cards{gap:16px}.card{padding:23px}.split{grid-template-columns:1fr}.split>div:first-child{max-width:800px}.calculator{grid-template-columns:1.1fr 1fr;gap:24px}.calculator .form-grid{grid-template-columns:1fr}.section{padding-top:55px;padding-bottom:55px}.negotiation{grid-template-columns:1fr}.footer-top{align-items:start;flex-direction:column;gap:15px}}
@media(max-width:620px){.wrap{width:calc(100% - 36px)}.hero-grid{grid-template-columns:1fr;gap:0;padding-top:40px;padding-bottom:35px}.hero h1{font-size:45px}.hero .lead{font-size:16px}.hero-art{padding-top:22px;margin-top:10px}.hero-art img{width:100%;margin:0}.art-label{display:none}.art-note{margin-left:25%;font-size:12px}.strip .wrap{gap:12px;font-size:10px}.strip span{max-width:100px}.cards{grid-template-columns:1fr}.section-title{display:block}.section-title>a{display:inline-block;margin-top:18px}.card h3{font-size:25px}.model img{max-height:180px}.negotiation{padding:28px;gap:12px}.negotiation h2{font-size:31px}.form-grid{grid-template-columns:1fr}.form-grid>*{grid-column:1}.panel{padding:23px}.page-head{padding-top:40px}.page-head h1{font-size:38px}.page-head .lead{font-size:17px}.calculator{grid-template-columns:1fr}.result{padding:26px}.comparison{padding:25px}.comparison-cols{grid-template-columns:1fr;gap:10px}.guide-step{gap:17px}.footer-links{flex-wrap:wrap;gap:15px}.footer-links span{margin-left:0;flex-basis:100%}.actions{gap:12px}.hero .actions .button{font-size:13px;padding:12px 14px}.notice{padding:20px}.result .big{font-size:39px}h2{letter-spacing:-.7px}.comparison h2{font-size:30px}}
@media(prefers-reduced-motion:no-preference){.tool{transition:transform .15s,border-color .15s}}@media print{header,footer,.menu-toggle,.actions{display:none}.result{color:black;background:white;border:1px solid #aaa}.result .big{color:black}.result .small{color:#333}.split{display:block}.wrap{width:100%}}

.brand{font-size:22px;letter-spacing:-1px}.brand small{font-size:17px}.brand-cards{grid-template-columns:repeat(2,1fr)}nav{gap:12px}nav a{font-size:11px}@media(max-width:1150px){nav a{font-size:10px}nav{gap:8px}.brand{font-size:20px}}@media(max-width:900px){nav a{font-size:14px}}@media(max-width:620px){.brand-cards{grid-template-columns:1fr}.brand{font-size:20px}}

nav a:last-child{background:transparent;color:var(--navy);padding:0}nav a[href="get-quotes.html"]{background:var(--navy);color:white;padding:11px 14px;border-radius:3px}@media(max-width:900px){nav a:last-child{padding:12px}}

.analytics-banner[hidden]{display:none}.analytics-banner{position:fixed;z-index:100;bottom:0;left:0;right:0;background:white;color:var(--ink);border-top:3px solid var(--gold);box-shadow:0 -5px 30px #001b3322;padding:24px max(20px,calc((100% - 1200px)/2));display:flex;gap:30px;align-items:center}.analytics-banner p{font-size:13px;max-width:720px;margin:6px 0 0}.analytics-actions{display:flex;gap:12px;flex-shrink:0}.analytics-actions button{font-size:13px;white-space:nowrap}.analytics-actions button:last-child{background:var(--navy);color:white}.analytics-settings{padding:0;background:none!important;color:white;font-size:12px;text-decoration:underline;font-weight:400;line-height:inherit}.analytics-banner a{color:var(--navy)}@media(max-width:900px){.analytics-banner{align-items:start;flex-direction:column;gap:16px;padding:20px}.analytics-actions{flex-wrap:wrap}}@media print{.analytics-banner,.analytics-settings{display:none}}