:root{
  --navy:#123A5C; --navy-deep:#0C283F; --navy-mid:#1A4D77;
  --card-fill:#EFF4F8; --card-fill-warm:#F7F4EF; --tint:#E7EFF5;
  --red:#C8342B; --red-dark:#A82A22;
  --gold:#E9A94B;
  --ground:#F4F7F9; --white:#fff;
  --ink:#1B2733; --ink-soft:#576674; --ink-faint:#8494A1;
  --rule:#DDE4EA; --rule-soft:#EBF0F4;
  --slab:"Bitter",Georgia,serif;
  --sans:"Source Sans 3",-apple-system,BlinkMacSystemFont,"Segoe UI",system-ui,sans-serif;
}
*{box-sizing:border-box;margin:0}
img{max-width:100%}
[hidden]{display:none!important}
body{background:var(--ground);color:var(--ink);font-family:var(--sans);font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased}
.shell{max-width:1180px;margin-inline:auto;padding-inline:22px}
.narrow{max-width:840px}
h1,h2,h3,h4{font-family:var(--slab);font-weight:700;line-height:1.18;text-wrap:balance;letter-spacing:-.015em}
p{margin:0 0 15px}
a{color:var(--navy)}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,summary:focus-visible{outline:3px solid var(--gold);outline-offset:2px}

/* ---------- top bar + logo ---------- */
.topbar{background:var(--white);border-bottom:1px solid var(--rule)}
.topbar .shell{display:flex;gap:14px;align-items:center;justify-content:space-between;padding-block:12px}
.brand{display:flex;align-items:center;gap:11px;text-decoration:none;flex:none}
.brand svg{flex:none;display:block}
.brand .wm{font-family:var(--slab);font-weight:700;font-size:20px;color:var(--navy);letter-spacing:-.015em;line-height:1.05}
.brand .wm em{color:var(--red);font-style:normal}
.brand .tag{display:block;font-family:var(--sans);font-size:10.5px;font-weight:600;letter-spacing:.13em;text-transform:uppercase;color:var(--ink-faint);margin-top:2px}
.topcta{background:var(--red);color:#fff;text-decoration:none;font-weight:700;font-size:15px;padding:10px 18px;border-radius:4px;white-space:nowrap}
.topcta:hover{background:var(--red-dark)}

/* ---------- main nav ---------- */
.mainnav{background:var(--navy);position:relative;z-index:50}
.mainnav .shell{display:flex;flex-wrap:wrap;align-items:stretch;padding-inline:8px}
.navitem{position:relative}
.navitem>a,.navitem>button{
  display:flex;align-items:center;gap:6px;color:#fff;text-decoration:none;background:none;border:0;cursor:pointer;
  font-family:var(--sans);font-size:15.5px;font-weight:600;padding:13px 16px;line-height:1.3
}
.navitem>a:hover,.navitem>button:hover{background:rgba(255,255,255,.12)}
.navitem>a[aria-current="page"]{background:rgba(255,255,255,.15);box-shadow:inset 0 -3px 0 var(--gold)}
.navitem .caret{width:9px;height:9px;flex:none;transition:transform .18s}
.navitem[data-open="true"] .caret{transform:rotate(180deg)}
.navitem[data-open="true"]>button{background:rgba(255,255,255,.15)}
.dropdown{
  position:absolute;top:100%;left:0;min-width:290px;background:var(--white);
  border:1px solid var(--rule);border-top:3px solid var(--gold);border-radius:0 0 5px 5px;
  box-shadow:0 18px 40px rgba(4,18,30,.2);padding:8px 0;display:none
}
.navitem[data-open="true"] .dropdown{display:block}
.dropdown a{display:block;padding:9px 18px;text-decoration:none;color:var(--ink);font-size:15.5px;line-height:1.35}
.dropdown a:hover{background:var(--ground);color:var(--navy)}
.dropdown a small{display:block;font-size:13px;color:var(--ink-faint);margin-top:1px}
.dropdown .grp{font-size:11px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--ink-faint);padding:11px 18px 5px}
.dropdown .grp:first-child{padding-top:5px}
/* menu toggle — only used below the breakpoint */
.navtoggle{
  display:none;align-items:center;gap:9px;flex:none;
  background:var(--navy);color:#fff;border:0;border-radius:4px;cursor:pointer;
  font-family:var(--sans);font-weight:700;font-size:15px;padding:10px 15px;line-height:1
}
.navtoggle:hover{background:var(--navy-deep)}
.navtoggle .bars{display:block;width:17px;height:12px;position:relative}
.navtoggle .bars i{position:absolute;left:0;right:0;height:2px;background:#fff;border-radius:2px;transition:transform .2s,opacity .2s}
.navtoggle .bars i:nth-child(1){top:0}
.navtoggle .bars i:nth-child(2){top:5px}
.navtoggle .bars i:nth-child(3){top:10px}
.navtoggle[aria-expanded="true"] .bars i:nth-child(1){transform:translateY(5px) rotate(45deg)}
.navtoggle[aria-expanded="true"] .bars i:nth-child(2){opacity:0}
.navtoggle[aria-expanded="true"] .bars i:nth-child(3){transform:translateY(-5px) rotate(-45deg)}
.topend{display:flex;align-items:center;gap:10px}

@media (max-width:1000px){
  .navitem>a,.navitem>button{padding:13px 13px;font-size:15px}
}
@media (max-width:860px){
  .navtoggle{display:inline-flex}
  .topbar .shell{padding-block:11px;gap:10px}
  .brand .tag{display:none}
  .brand .wm{font-size:18px}
  .topcta{font-size:14.5px;padding:10px 14px}

  /* the nav becomes a panel behind the toggle, so it stops eating the screen */
  .mainnav{display:none;border-top:1px solid rgba(255,255,255,.14)}
  .mainnav.open{display:block}
  .mainnav .shell{flex-direction:column;align-items:stretch;padding-inline:0;padding-block:4px}
  .navitem{position:static;width:100%;border-bottom:1px solid rgba(255,255,255,.09)}
  .navitem:last-child{border-bottom:0}
  .navitem>a,.navitem>button{width:100%;justify-content:space-between;padding:13px 22px;font-size:16px}
  .dropdown{position:static;box-shadow:none;border:0;border-top:0;background:rgba(0,0,0,.16);border-radius:0;min-width:0;padding:4px 0 8px}
  .dropdown a{color:#E7F0F6;padding:9px 22px 9px 34px}
  .dropdown a:hover{background:rgba(255,255,255,.1);color:#fff}
  .dropdown a small{color:#9FBBD0}
  .dropdown .grp{color:#8FAEC6;padding:10px 22px 4px 34px}
}
@media (max-width:470px){
  .topbar .shell{gap:8px}
  .brand{min-width:0;gap:9px}
  .topcta{font-size:0;padding:10px 13px}
  .topcta::after{content:"Free quote";font-size:14.5px}
  .brand .wm{font-size:16.5px}
  .navtoggle{font-size:0;padding:10px 12px;gap:0}
}
@media (max-width:405px){
  .topbar .shell{gap:6px}
  .topend{gap:7px}
  .brand{gap:8px}
  .brand svg{width:26px;height:29px}
  .brand .wm{font-size:15px}
  .topcta{padding:10px 11px}
  .topcta::after{content:"Quote";font-size:14px}
  .navtoggle{padding:9px 10px}
}

/* ---------- breadcrumbs ---------- */
.crumbs{background:var(--white);border-bottom:1px solid var(--rule);font-size:13.5px;color:var(--ink-soft)}
.crumbs .shell{padding-block:10px}
.crumbs a{color:var(--ink-soft)}
.crumbs span{color:var(--ink-faint);margin-inline:7px}

/* ---------- page header ---------- */
header.doc{background:linear-gradient(165deg,#164karma 0%,#0F3350 100%);background:linear-gradient(165deg,#17456B 0%,#0E3150 100%);color:#fff;padding-block:clamp(44px,6vw,64px) clamp(40px,5vw,56px)}
header.doc h1{font-size:clamp(31px,5vw,48px);color:#fff;margin-bottom:14px;max-width:20ch;letter-spacing:-.025em}
header.doc .lede{color:#C3D8E7;font-size:18px;max-width:60ch;margin:0}
header.doc .stamp{font-size:13.5px;color:#8FAEC6;margin-top:18px;padding-top:14px;border-top:1px solid #1D4C72}

/* ---------- body content ---------- */
main{background:var(--white);padding-block:44px 58px}
.content h2{font-size:clamp(25px,3vw,31px);margin:46px 0 15px;padding-bottom:10px;border-bottom:2px solid var(--rule);letter-spacing:-.02em}
.content h2:first-child{margin-top:0}
.content h3{font-size:19.5px;margin:26px 0 8px}
.content ul,.content ol{margin:0 0 17px;padding-inline-start:23px}
.content li{margin-bottom:8px}
.content li::marker{color:var(--red)}
.content>p:last-child{margin-bottom:0}

.takeaways{background:var(--ground);border:1px solid var(--rule);border-inline-start:4px solid var(--navy);border-radius:0 6px 6px 0;padding:20px 24px;margin-bottom:30px}
.takeaways h2{font-family:var(--sans);font-size:12px;font-weight:700;letter-spacing:.11em;text-transform:uppercase;color:var(--ink-faint);border:0;padding:0;margin:0 0 10px}
.takeaways ul{margin:0;padding-inline-start:20px}
.takeaways li{margin-bottom:6px;font-size:16.5px}

.toc{background:var(--white);border:1px solid var(--rule);border-radius:6px;padding:18px 22px;margin-bottom:34px}
.toc h2{font-family:var(--sans);font-size:11.5px;font-weight:700;letter-spacing:.11em;text-transform:uppercase;color:var(--ink-faint);border:0;padding:0;margin:0 0 9px}
.toc ol{margin:0;padding-inline-start:19px;columns:2;column-gap:26px}
.toc li{margin-bottom:4px;font-size:15.5px;break-inside:avoid}
@media (max-width:600px){.toc ol{columns:1}}

.scroller{overflow-x:auto;margin-bottom:8px;border:1px solid var(--rule);border-radius:9px;background:var(--white)}
table{border-collapse:collapse;width:100%;font-size:15.5px;min-width:460px}
th,td{text-align:left;padding:13px 16px;border-bottom:1px solid var(--rule-soft);font-variant-numeric:tabular-nums}
thead th{font-size:11.5px;letter-spacing:.09em;text-transform:uppercase;color:var(--navy);background:var(--tint);border-bottom:1.5px solid var(--rule);white-space:nowrap;font-weight:700}
tbody th{font-weight:700;color:var(--navy)}
tbody tr:nth-child(even){background:#F8FBFC}
tbody tr:last-child td,tbody tr:last-child th{border-bottom:0}
.srcline{font-size:13px;color:var(--ink-faint);margin:6px 0 24px;line-height:1.5}
.srcline a{color:var(--ink-soft)}

.callout-plain{background:#F7FAFC;border:1px solid var(--rule);border-radius:6px;padding:17px 20px;margin-bottom:22px;font-size:16px}
.callout-plain p:last-child{margin-bottom:0}
.callout-plain strong{color:var(--navy)}

details.faq{border-bottom:1px solid var(--rule);padding:3px 0}
details.faq summary{cursor:pointer;font-family:var(--slab);font-weight:700;font-size:18px;padding:15px 30px 15px 0;position:relative;list-style:none}
details.faq summary::-webkit-details-marker{display:none}
details.faq summary::after{content:"+";position:absolute;right:4px;top:13px;font-size:23px;font-weight:400;color:var(--red);font-family:var(--sans)}
details.faq[open] summary::after{content:"\2013"}
details.faq p{padding-bottom:14px;margin:0;color:var(--ink-soft)}
details.faq p+p{padding-top:0;margin-top:-6px}

/* ---------- shared CTA ---------- */
.quotebox{background:var(--navy);border-radius:7px;padding:28px 30px;margin:34px 0;color:#fff}
.quotebox h3{color:#fff;font-size:23px;margin-bottom:8px}
.quotebox p{color:#C3D8E7;font-size:16px;margin-bottom:18px;max-width:56ch}
.btn{display:inline-block;background:var(--red);color:#fff;text-decoration:none;font-family:var(--sans);font-weight:700;font-size:17px;padding:14px 28px;border-radius:4px;border:0;cursor:pointer}
.btn:hover{background:var(--red-dark)}
.btn-ghost{background:transparent;border:1.5px solid rgba(255,255,255,.5);color:#fff}
.btn-ghost:hover{background:rgba(255,255,255,.12)}

/* ---------- cards / grids ---------- */
.grid{display:grid;gap:22px}
.g2{grid-template-columns:repeat(auto-fit,minmax(330px,1fr))}
@media (min-width:900px){.g2{grid-template-columns:1fr 1fr}}
.g3{grid-template-columns:repeat(auto-fit,minmax(256px,1fr))}
.g4{grid-template-columns:repeat(auto-fit,minmax(212px,1fr))}
.card2{background:var(--card-fill);border:1px solid transparent;border-radius:10px;padding:30px 30px 26px;
  display:flex;flex-direction:column;transition:transform .18s ease,box-shadow .18s ease,background .18s ease}
.card2 .ico{display:block;margin-bottom:18px;color:var(--red);opacity:.92}
.band-ground .card2{background:var(--white)}
.card2 h3{font-size:20.5px;margin:0 0 8px;letter-spacing:-.015em}
.card2 .kicker{font-size:11.5px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--red);margin-bottom:7px}
.card2 p{font-size:15.5px;line-height:1.6;color:var(--ink-soft);margin-bottom:18px}
.card2 .more{margin-top:auto;font-weight:700;font-size:15.5px;text-decoration:none;color:var(--navy);display:inline-flex;align-items:center;gap:6px}
.card2 .more:hover{text-decoration:underline}
.card2:hover{transform:translateY(-3px);box-shadow:0 14px 32px rgba(4,18,30,.11);background:var(--white);border-color:var(--rule)}
.band-ground .card2:hover{background:var(--white)}

/* ---------- home sections ---------- */
.band{padding-block:clamp(52px,7vw,86px)}
.band-ground{background:var(--ground)}
.band-white{background:var(--white)}
.sec{font-size:clamp(28px,4vw,42px);margin-bottom:10px;letter-spacing:-.022em;max-width:19ch}
.sec-lede{color:var(--ink-soft);font-size:18.5px;line-height:1.6;margin-bottom:40px;max-width:58ch}
.eyebrow{display:inline-flex;align-items:center;gap:9px;font-size:11.5px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--red);margin-bottom:14px}
.eyebrow::before{content:"";width:26px;height:2px;background:var(--red);border-radius:2px}

.statrow{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:1px;background:var(--rule);border:1px solid var(--rule);border-radius:10px;overflow:hidden}
.statrow div{background:var(--white);padding:28px 24px;position:relative}
.statrow div::before{content:'';position:absolute;top:0;left:24px;right:24px;height:3px;background:var(--gold)}
.statrow b{display:block;font-family:var(--slab);font-size:clamp(32px,4vw,40px);color:var(--navy);line-height:1.05;margin-bottom:9px;letter-spacing:-.03em;font-variant-numeric:tabular-nums}
.statrow span{font-size:14.5px;color:var(--ink-soft);line-height:1.45;display:block}

.steps3{display:grid;grid-template-columns:repeat(auto-fit,minmax(258px,1fr));gap:30px;counter-reset:s3}
.steps3 div{counter-increment:s3}
.steps3 div{position:relative;padding-top:8px}
.steps3 div::before{content:counter(s3);display:flex;align-items:center;justify-content:center;
  width:54px;height:54px;border-radius:50%;background:var(--white);border:2px solid var(--navy);color:var(--navy);
  font-family:var(--slab);font-weight:700;font-size:24px;margin-bottom:18px;position:relative;z-index:2}
.steps3 div::after{content:"";position:absolute;top:35px;left:54px;right:-30px;height:2px;
  background:repeating-linear-gradient(90deg,var(--rule) 0 7px,transparent 7px 14px)}
.steps3 div:last-child::after{display:none}
@media (max-width:820px){.steps3 div::after{display:none}}
.steps3 h3{font-size:20px;margin-bottom:7px;letter-spacing:-.015em}
.steps3 p{font-size:15.5px;line-height:1.6;color:var(--ink-soft);margin:0}

/* ---------- footer ---------- */
footer{background:var(--navy-deep);color:#93AEC2;font-size:13.5px;padding-block:44px 44px;line-height:1.7}
footer a{color:#BDD3E2;text-decoration:none}
footer a:hover{text-decoration:underline}
.fcols{display:grid;grid-template-columns:1.4fr repeat(auto-fit,minmax(150px,1fr));gap:28px;padding-bottom:30px;border-bottom:1px solid #17384F;margin-bottom:24px}
.fcols h4{font-family:var(--sans);font-size:11.5px;font-weight:700;letter-spacing:.11em;text-transform:uppercase;color:#6E8CA4;margin-bottom:11px}
.fcols ul{list-style:none;padding:0;margin:0}
.fcols li{margin-bottom:7px}
.fbrand .wm{font-family:var(--slab);font-weight:700;font-size:19px;color:#fff;line-height:1.1}
.fbrand .wm em{color:#F0A28F;font-style:normal}
.fbrand p{font-size:13px;color:#8AA6BC;margin:10px 0 0;max-width:34ch}
footer .legal p{margin-bottom:11px;max-width:92ch;font-size:12.5px;color:#7E9AB0}
footer .legal strong{color:#BDD3E2}

/* ================= tools / calculators ================= */
.calc{background:var(--white);border:1px solid var(--rule);border-top:3px solid var(--gold);border-radius:0 0 7px 7px;box-shadow:0 10px 30px rgba(4,18,30,.07);padding:26px 28px;margin:30px 0}
.calc h3{font-size:21px;margin:0 0 5px}
.calc .calc-lede{font-size:15.5px;color:var(--ink-soft);margin-bottom:20px;max-width:62ch}
.calc fieldset{border:0;padding:0;margin:0 0 18px;min-width:0}
.calc legend{font-size:11.5px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--ink-faint);padding:0;margin-bottom:9px}
.calc .fields{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:14px}
.calc label{display:block;font-size:14.5px;font-weight:600;margin-bottom:5px;color:var(--ink)}
.calc label .hintx{display:block;font-weight:400;font-size:13px;color:var(--ink-faint);margin-top:1px}
.calc input[type=number],.calc input[type=text],.calc select{
  width:100%;padding:11px 12px;font-size:16px;font-family:var(--sans);color:var(--ink);
  border:1.5px solid var(--rule);border-radius:4px;background:var(--white)
}
.calc input:focus,.calc select:focus{outline:3px solid var(--gold);outline-offset:1px;border-color:var(--navy)}
.segbar{display:flex;flex-wrap:wrap;gap:8px}
.segbar button{
  flex:1 1 auto;min-width:78px;padding:11px 14px;font-family:var(--sans);font-size:15.5px;font-weight:600;
  border:1.5px solid var(--rule);border-radius:4px;background:var(--white);color:var(--ink);cursor:pointer
}
.segbar button[aria-pressed="true"]{border-color:var(--navy);background:#EDF3F8;color:var(--navy)}
.segbar button:hover{border-color:#B9C8D4}

.calc-out{border-top:1px solid var(--rule);margin-top:22px;padding-top:20px}
.bignum{display:flex;align-items:baseline;gap:10px;flex-wrap:wrap;margin-bottom:6px}
.bignum b{font-family:var(--slab);font-size:clamp(32px,6vw,46px);line-height:1;color:var(--navy);font-variant-numeric:tabular-nums}
.bignum span{font-size:16px;color:var(--ink-soft)}
.calc-out .why{font-size:14.5px;color:var(--ink-soft);margin:10px 0 0}
.calc-rows{list-style:none;padding:0;margin:14px 0 0;font-size:15px}
.calc-rows li{display:flex;justify-content:space-between;gap:16px;padding:7px 0;border-bottom:1px dashed var(--rule-soft)}
.calc-rows li:last-child{border-bottom:0;font-weight:700;color:var(--navy);border-top:1.5px solid var(--rule);margin-top:4px;padding-top:11px}
.calc-rows span:last-child{font-variant-numeric:tabular-nums;white-space:nowrap}
.calc-note{font-size:13px;color:var(--ink-faint);margin-top:14px;line-height:1.55}
.calc-note a{color:var(--ink-soft)}
.calc-warn{background:#FFF8E8;border:1px solid #E4C77A;color:#6B5316;border-radius:4px;padding:11px 14px;font-size:14px;margin-top:14px}

/* ================= hub sibling nav + related ================= */
.hubnav{background:var(--ground);border:1px solid var(--rule);border-radius:7px;padding:20px 24px;margin:34px 0 0}
.hubnav h2{font-family:var(--sans);font-size:11.5px;font-weight:700;letter-spacing:.11em;text-transform:uppercase;color:var(--ink-faint);border:0;padding:0;margin:0 0 12px}
.hubnav ul{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:4px 22px}
.hubnav li{margin:0}
.hubnav a{display:block;padding:7px 0;font-size:15.5px;font-weight:600;text-decoration:none;color:var(--navy)}
.hubnav a:hover{text-decoration:underline}
.hubnav a[aria-current="page"]{color:var(--ink-faint);font-weight:400;pointer-events:none}
.hubnav a[aria-current="page"]::after{content:" — you are here";font-size:13px;font-weight:400;color:var(--ink-faint)}

/* ================= sticky mobile CTA ================= */
.stickycta{
  position:fixed;left:0;right:0;bottom:0;z-index:60;display:none;
  background:var(--white);border-top:1px solid var(--rule);
  box-shadow:0 -6px 20px rgba(4,18,30,.12);padding:10px 14px;
  gap:12px;align-items:center;justify-content:space-between
}
.stickycta p{margin:0;font-size:13.5px;color:var(--ink-soft);line-height:1.35;max-width:22ch}
.stickycta a{background:var(--red);color:#fff;text-decoration:none;font-weight:700;font-size:15.5px;padding:12px 18px;border-radius:4px;white-space:nowrap}
.stickycta a:hover{background:var(--red-dark)}
@media (max-width:720px){
  .stickycta{display:flex}
  body{padding-bottom:74px}
}

/* ================= comparison table ================= */
.vs td.yes{color:#1F6B45;font-weight:700}
.vs td.no{color:#9A3A32}
.vs td.mid{color:var(--ink-soft)}
.vs thead th:first-child{width:34%}
.vs tbody th{font-weight:600;color:var(--ink)}

/* ================= inline quote starter ================= */
.qstart{
  background:linear-gradient(180deg,#13405F 0%,#0F3350 100%);color:#fff;
  border-radius:7px;padding:22px 24px;margin:30px 0;
  display:grid;grid-template-columns:1fr auto;gap:18px;align-items:end
}
.qstart .qs-copy{min-width:0}
.qstart h3{color:#fff;font-size:20px;margin:0 0 5px;line-height:1.25}
.qstart p{color:#BFD5E5;font-size:14.5px;margin:0;max-width:48ch}
.qstart form{display:flex;gap:9px;align-items:flex-end}
.qstart label{display:block;font-size:11.5px;font-weight:700;letter-spacing:.09em;text-transform:uppercase;color:#9FBBD0;margin-bottom:6px}
.qstart input{
  width:132px;padding:13px 14px;font-size:17px;font-family:var(--sans);
  border:1.5px solid rgba(255,255,255,.25);border-radius:4px;background:rgba(255,255,255,.08);color:#fff
}
.qstart input::placeholder{color:#8CA9BF}
.qstart input:focus{outline:3px solid var(--gold);outline-offset:1px;background:rgba(255,255,255,.14)}
.qstart button{
  background:var(--red);color:#fff;border:0;border-radius:4px;cursor:pointer;
  font-family:var(--sans);font-weight:700;font-size:16px;padding:14px 22px;white-space:nowrap
}
.qstart button:hover{background:var(--red-dark)}
.qstart .qs-err{color:#FFC9C3;font-size:13px;margin:8px 0 0;min-height:1em}
.qstart .qs-foot{grid-column:1/-1;max-width:none;font-size:12.5px;color:#93AEC2;margin:2px 0 0;border-top:1px solid rgba(255,255,255,.13);padding-top:12px}
.qstart .qs-err{grid-column:1/-1;max-width:none}
.qstart .qs-err:empty{display:none}
@media (max-width:700px){
  .qstart{grid-template-columns:1fr}
  .qstart form{flex-wrap:wrap}
  .qstart input{width:100%;flex:1 1 120px}
  .qstart button{flex:1 1 100%}
}

/* ================= what happens next / resume ================= */
.nextup{background:#F4F8FB;border:1px solid var(--rule);border-radius:5px;padding:15px 17px;margin-bottom:16px}
.nextup h4{font-family:var(--sans);font-size:11.5px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--ink-faint);margin:0 0 9px}
.nextup ul{list-style:none;margin:0;padding:0;display:grid;gap:7px}
.nextup li{display:grid;grid-template-columns:18px 1fr;gap:9px;font-size:14px;color:var(--ink-soft);line-height:1.5}
.nextup li svg{margin-top:3px}
.nextup li b{color:var(--ink);font-weight:700}

.resume{background:#FFF8E8;border:1px solid #E4C77A;border-radius:5px;padding:12px 15px;margin-bottom:14px;font-size:14px;color:#6B5316;display:flex;gap:12px;align-items:center;flex-wrap:wrap;justify-content:space-between}
.resume button{background:var(--navy);color:#fff;border:0;border-radius:4px;padding:8px 14px;font-family:var(--sans);font-weight:700;font-size:14px;cursor:pointer}
.resume .dismiss{background:none;color:#6B5316;text-decoration:underline;padding:8px 4px;font-weight:400}

/* calculator handoff */
.handoff{display:flex;gap:12px;align-items:center;flex-wrap:wrap;margin-top:18px;padding-top:18px;border-top:1px solid var(--rule)}
.handoff p{margin:0;font-size:14.5px;color:var(--ink-soft);flex:1 1 220px}