:root{
  --ink:#0f172a;--muted:#5b6474;--line:#dce2ea;--paper:#fbfcfe;--soft:#f0f5f7;
  --accent:#0d6b62;--accent2:#e8f5f2;--warm:#f5efe7;--dark:#102b2a;
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}
a{color:inherit}.shell{width:min(1100px,calc(100% - 36px));margin:auto}.topbar{background:rgba(251,252,254,.94);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10;backdrop-filter:blur(12px)}
.nav{height:68px;display:flex;align-items:center;justify-content:space-between}.brand{text-decoration:none;font-weight:900;letter-spacing:-.03em;font-size:1.25rem}.brand span{font-size:.62rem;letter-spacing:.08em;background:var(--accent2);color:var(--accent);padding:4px 7px;border-radius:99px;vertical-align:middle}
nav{display:flex;gap:24px}nav a{text-decoration:none;font-size:.92rem;color:var(--muted)}
.hero{padding:84px 0 72px;background:radial-gradient(circle at 85% 15%,#d7efea 0,transparent 25%),linear-gradient(180deg,#fff 0,#f6faf9 100%);border-bottom:1px solid var(--line)}
.pill,.overline{font-size:.76rem;text-transform:uppercase;letter-spacing:.13em;font-weight:900;color:var(--accent)}.pill{display:inline-block;background:var(--accent2);padding:8px 11px;border-radius:99px}
h1{font-size:clamp(3.2rem,8vw,6.6rem);line-height:.9;letter-spacing:-.065em;margin:.24em 0 .25em;max-width:980px}h1 em{font-style:normal;color:var(--accent)}
.hero-copy{font-size:clamp(1.1rem,2vw,1.35rem);line-height:1.55;max-width:720px;color:#445064}
.finder{margin-top:38px;background:white;border:1px solid var(--line);border-radius:22px;padding:22px;box-shadow:0 20px 60px rgba(25,48,58,.08);max-width:900px}
.finder label{display:block;font-weight:850;margin-bottom:10px}.searchrow{display:flex;gap:10px}.searchrow input{flex:1;padding:17px 18px;font-size:1.06rem;border:1px solid #b9c4cf;border-radius:12px;outline:none}.searchrow input:focus{border-color:var(--accent);box-shadow:0 0 0 3px #dcefeb}
button{font:inherit}.searchrow button,.insurance-grid button{border:0;border-radius:12px;background:var(--dark);color:white;font-weight:850;padding:0 22px;cursor:pointer}.micro{font-size:.82rem;color:var(--muted);margin-top:11px}
.section{padding:70px 0}.hidden{display:none!important}.navigator-head{display:flex;align-items:flex-start;justify-content:space-between;gap:18px}.navigator-head h2,.split h2,.band h2,.pro-card h2{font-size:clamp(2rem,5vw,3.6rem);letter-spacing:-.045em;margin:.15em 0}.muted{color:var(--muted)}.textbtn{border:0;background:transparent;text-decoration:underline;cursor:pointer}
.question-card{margin-top:30px;background:white;border:1px solid var(--line);border-radius:20px;padding:24px}.question-card h3{font-size:1.5rem;margin:0}.insurance-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:10px;margin-top:20px}.insurance-grid button{text-align:left;padding:17px 18px;background:#173f3c}.insurance-grid button:hover{background:var(--accent)}
.answer{margin-top:18px;background:var(--accent2);border:1px solid #b9ddd6;border-radius:20px;padding:26px}.answer h3{font-size:1.65rem;margin:.15em 0}.answer .official{display:inline-block;margin-top:14px;background:var(--accent);color:white;text-decoration:none;padding:12px 15px;border-radius:10px;font-weight:850}.answer .verify{font-size:.86rem;color:#4b625f;margin-top:16px}
.split{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:start}.bodycopy{font-size:1.08rem;line-height:1.75}
.band{background:var(--dark);color:white;padding:70px 0}.light{color:#8bd6ca}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:28px}.card{background:#173b39;border:1px solid #2a514e;border-radius:16px;padding:20px}.card h3{margin-top:0}.card p{color:#c7d8d5;line-height:1.55}.card a{font-weight:850}
.pro-card{display:grid;grid-template-columns:2fr 1fr;gap:40px;border:1px solid var(--line);border-radius:22px;padding:30px;background:linear-gradient(135deg,#fff,#f3f8f7)}.pro-card p{font-size:1.08rem;line-height:1.65;color:var(--muted)}.pro-side{background:var(--warm);border-radius:16px;padding:22px;display:flex;flex-direction:column;gap:8px}.pro-side span{font-size:2.5rem;font-weight:950;letter-spacing:-.04em}.pro-side small{color:var(--muted);line-height:1.5}
.disclaimer{border-top:1px solid var(--line)}.disclaimer p{color:var(--muted);max-width:900px;line-height:1.65}
footer{border-top:1px solid var(--line);padding:28px 0 44px}.foot{display:flex;justify-content:space-between;gap:20px;font-size:.88rem}.foot a{color:var(--muted)}
@media(max-width:760px){nav{display:none}.hero{padding-top:58px}.searchrow{flex-direction:column}.searchrow button{padding:16px}.insurance-grid,.split,.cards,.pro-card{grid-template-columns:1fr}.foot{flex-direction:column}.section{padding:52px 0}}

.guide-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-top:22px}
.guide-link{display:block;background:white;border:1px solid var(--line);border-radius:12px;padding:14px 15px;text-decoration:none;font-weight:750}
.guide-link:hover{border-color:var(--accent);color:var(--accent)}
@media(max-width:760px){.guide-grid{grid-template-columns:1fr}}