:root{
  --navy:#0d2340;
  --blue:#536b8d;
  --slate:#71829c;
  --ink:#17243a;
  --muted:#67758a;
  --pale:#f3f6f9;
  --paper:#fafbfd;
  --white:#fff;
  --line:#d8e0e8;
  --green:#118a63;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:"DM Sans",sans-serif;color:var(--ink);background:#fff;line-height:1.55}
h1,h2,h3{font-family:"Libre Baskerville",serif;color:var(--navy)}
.site-header{background:rgba(255,255,255,.98);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.header-top{min-height:108px;padding:16px 4vw 12px;display:flex;align-items:center;justify-content:space-between}
.brand{display:flex;align-items:center;text-decoration:none;color:var(--navy)}
.brand-logo{width:265px;max-height:86px;object-fit:contain;object-position:left center;display:block}
.brand-fallback{display:none;font-size:18px;font-weight:700;letter-spacing:.16em;line-height:1.35}
.brand-fallback small{font-size:11px;font-weight:500;letter-spacing:.2em;color:var(--slate)}
.brand-logo[src=""]{display:none}.brand-logo[src=""]+.brand-fallback{display:block}
.heritage{font-family:"Libre Baskerville",serif;font-style:italic;color:var(--blue);font-size:20px;border-left:1px solid var(--blue);padding:12px 0 12px 34px}
.header-nav{min-height:58px;padding:0 4vw;display:flex;align-items:center;justify-content:flex-end;gap:28px;border-top:1px solid #edf0f4}
nav{display:flex;gap:36px}
nav a{text-decoration:none;text-transform:uppercase;letter-spacing:.12em;color:var(--blue);font-size:11px;font-weight:600;padding:20px 0 17px;border-bottom:2px solid transparent}
nav a:hover{color:var(--navy);border-color:var(--navy)}
.print-btn,.cta button{border:1px solid var(--navy);background:var(--navy);color:#fff;padding:10px 15px;border-radius:2px;font-weight:600;cursor:pointer}
.hero{min-height:410px;position:relative;overflow:hidden;background:
  radial-gradient(circle at 78% 30%,rgba(224,188,137,.55),transparent 28%),
  linear-gradient(110deg,#f7fbff 0%,#e3edf6 38%,#9eb9cf 72%,#6e8aa8 100%)}
.hero:after{content:"";position:absolute;right:-8%;bottom:-48px;width:58%;height:220px;border-top:4px solid rgba(13,35,64,.35);border-radius:50% 50% 0 0;transform:rotate(-4deg);box-shadow:0 -18px 0 -16px rgba(13,35,64,.25),0 -40px 0 -38px rgba(13,35,64,.18)}
.hero-overlay{position:absolute;inset:0;background:linear-gradient(90deg,rgba(255,255,255,.92) 0%,rgba(255,255,255,.7) 42%,rgba(255,255,255,.08) 74%)}
.hero-content{position:relative;z-index:2;padding:58px max(4vw,32px) 52px;max-width:880px}
.eyebrow,.section-kicker,.advisory-label{font-size:11px;letter-spacing:.24em;font-weight:700;color:var(--blue)}
.hero h1{font-size:clamp(42px,5.6vw,76px);margin:14px 0 14px;line-height:1.05;font-weight:400}
.rule{width:62px;height:2px;background:var(--blue);margin:0 0 14px}
.hero-title{font-family:"Libre Baskerville",serif;font-size:25px;color:#39485c;margin:0 0 24px}
.hero-meta{display:flex;flex-direction:column;gap:4px;font-size:11px;letter-spacing:.2em;color:var(--blue)}
.value-strip{display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid #fff;border-bottom:1px solid var(--line);background:linear-gradient(#f8fbfd,#f1f5f8)}
.value-item{display:flex;align-items:center;gap:20px;padding:22px 4vw;border-right:1px solid var(--line)}
.value-item:last-child{border-right:0}
.value-icon{font-size:32px;color:var(--navy);line-height:1}
.value-item strong,.value-item span{display:block}
.value-item strong{font-size:11px;letter-spacing:.2em;color:var(--navy)}
.value-item div span{font-family:"Libre Baskerville",serif;color:var(--blue);font-size:16px}
.section{padding:82px max(4vw,34px)}
.executive{display:grid;grid-template-columns:minmax(0,1.7fr) minmax(320px,.8fr);gap:60px;align-items:start}
.executive h2{font-size:38px;margin:12px 0 20px}
.executive-copy p{max-width:820px;color:var(--blue);font-size:17px}
.primary{display:inline-flex;gap:24px;align-items:center;margin-top:22px;padding:13px 20px;background:var(--navy);color:#fff;text-decoration:none;border-radius:2px;font-size:13px}
.premium-panel{border-left:1px solid var(--line);padding-left:50px}
.panel-label{font-family:"Libre Baskerville",serif;font-size:21px;color:var(--navy)}
.premium-panel>strong{display:block;font-family:"Libre Baskerville",serif;font-size:54px;color:#111b2b;line-height:1.1;margin:14px 0 7px}
.premium-delta{display:flex;align-items:center;gap:10px;color:var(--muted);font-size:17px}
.premium-delta b{color:var(--green);font-size:24px}
#premium-arrow{color:var(--green);font-size:22px}
.mini-stats{display:grid;grid-template-columns:repeat(3,1fr);margin-top:26px;background:var(--pale);border-radius:4px;padding:18px 8px}
.mini-stats div{text-align:center;border-right:1px solid #cdd6df}
.mini-stats div:last-child{border:0}
.mini-stats strong{display:block;font-family:"Libre Baskerville",serif;font-size:25px;color:var(--navy)}
.mini-stats span{display:block;font-size:8px;letter-spacing:.12em;color:var(--blue);margin-top:5px}
.change-section{padding-top:42px}
.section-heading{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:end;margin:0 0 42px}
.section-heading.compact{align-items:center}
.section-heading h2{font-size:38px;margin:10px 0 0}
.section-heading p{font-size:16px;color:var(--muted);max-width:620px}
.change-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.change-card{background:var(--paper);border:1px solid var(--line);padding:24px}
.change-icon{display:inline-grid;place-items:center;width:32px;height:32px;border:1px solid #cad4df;border-radius:50%;margin-bottom:16px;color:var(--navy);font-weight:700}
.change-card h4{font-size:17px;margin:0 0 8px;color:var(--navy)}
.change-card p{color:var(--muted);font-size:14px;margin:0}
.section.alt{background:var(--paper)}
.coverage{background:#fff;border-top:1px solid var(--line)}
.coverage:last-child{border-bottom:1px solid var(--line)}
.coverage summary{list-style:none;display:grid;grid-template-columns:2fr 1fr 110px 30px;align-items:center;gap:25px;padding:23px 20px;cursor:pointer}
.coverage summary::-webkit-details-marker{display:none}
.coverage-name{display:block;font-size:17px;font-weight:700;color:var(--navy)}
.carrier{font-size:11px;color:var(--muted);letter-spacing:.05em}
.limit small,.coverage-detail small{display:block;font-size:9px;letter-spacing:.14em;color:var(--muted)}
.limit strong{font-size:15px;color:var(--navy)}
.status{font-size:9px;text-transform:uppercase;letter-spacing:.1em;border:1px solid var(--line);padding:6px 8px;text-align:center;border-radius:20px;color:var(--blue)}
.chevron{font-size:18px;color:var(--navy)}
.coverage[open] .chevron{transform:rotate(45deg)}
.coverage-detail{display:grid;grid-template-columns:160px 160px 1fr;gap:30px;background:#f7f9fb;padding:22px 20px 26px 38%;border-top:1px solid #e8edf2}
.coverage-detail strong{font-size:14px;color:var(--navy)}
.coverage-detail p{margin:0;color:var(--muted);font-size:13px}
.advisory-section{background:var(--navy);color:#fff}
.section-kicker.light,.advisory-label{color:#aebfd4}
.advisory-card{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:start}
.advisory-card h2{font-size:40px;margin:15px 0;color:#fff}
.advisory-card p{font-family:"Libre Baskerville",serif;font-size:18px;line-height:1.85;color:#d7e0ea;margin-top:42px}
.recommendations{counter-reset:item;list-style:none;padding:0;margin:0 0 60px;max-width:950px}
.recommendations li{counter-increment:item;border-top:1px solid var(--line);padding:22px 0 22px 62px;position:relative;font-size:17px}
.recommendations li:before{content:"0" counter(item);position:absolute;left:0;color:var(--blue);font-weight:700;letter-spacing:.08em}
.cta{background:linear-gradient(90deg,#f1f5f8,#e7eef5);padding:38px 42px;display:flex;align-items:center;justify-content:space-between}
.cta small{color:var(--blue);letter-spacing:.16em;font-weight:700}
.cta h2{margin:7px 0 0;font-size:29px}
.documents{background:#fff}
.document-placeholder{border:1px dashed #b9c5d2;padding:35px;text-align:center;background:var(--paper)}
.document-placeholder span,.document-placeholder strong{display:block}
.document-placeholder span{font-size:10px;letter-spacing:.2em;color:var(--blue)}
.document-placeholder strong{margin-top:8px;color:var(--navy)}
footer{padding:30px 4vw;display:flex;justify-content:space-between;font-size:10px;letter-spacing:.07em;color:var(--muted);border-top:1px solid var(--line)}
@media(max-width:900px){
  .heritage{display:none}.header-top{min-height:86px}.brand-logo{width:220px;max-height:70px}.header-nav{justify-content:space-between;overflow:auto}.print-btn{display:none}
  nav{gap:22px}.executive,.section-heading,.advisory-card{grid-template-columns:1fr}.premium-panel{border-left:0;border-top:1px solid var(--line);padding:30px 0 0}.change-grid{grid-template-columns:1fr}.value-strip{grid-template-columns:1fr 1fr}.value-item:nth-child(2){border-right:0}.value-item:nth-child(-n+2){border-bottom:1px solid var(--line)}
}
@media(max-width:600px){
  .site-header{position:static}.header-top{padding:10px 20px}.brand-logo{width:190px}.header-nav{display:none}
  .hero{min-height:360px}.hero-content{padding:48px 24px}.hero h1{font-size:43px}.hero-title{font-size:20px}
  .value-strip{grid-template-columns:1fr}.value-item{border-right:0;border-bottom:1px solid var(--line);padding:16px 24px}
  .section{padding:58px 24px}.premium-panel>strong{font-size:44px}.mini-stats{grid-template-columns:1fr 1fr 1fr}
  .coverage summary{grid-template-columns:1.4fr 1fr 25px}.status{display:none}.coverage-detail{grid-template-columns:1fr 1fr;padding:20px}.coverage-detail p{grid-column:1/-1}
  .cta{display:block;padding:30px}.cta button{margin-top:22px}footer{display:block}footer span{display:block;margin:6px 0}
}
@media print{
  .site-header{position:static}.header-nav,.primary,.cta button{display:none}.hero{min-height:350px}.section{padding:45px 5vw}.coverage:not([open]) .coverage-detail{display:grid}
}
body.modal-open{overflow:hidden}
.cta p{margin:8px 0 0;color:var(--muted);font-size:14px;max-width:620px}
.sign-panel{position:fixed;inset:0;background:rgba(8,20,36,.58);display:none;align-items:center;justify-content:center;padding:24px;z-index:100}
.sign-panel.open{display:flex}
.sign-panel-card{position:relative;width:min(680px,100%);background:#fff;box-shadow:0 24px 70px rgba(8,20,36,.28);padding:42px;border-radius:3px}
.sign-panel-card h2{font-size:36px;margin:10px 0 12px}
.sign-intro{color:var(--muted);font-size:15px;max-width:560px;margin-bottom:28px}
.sign-close{position:absolute;right:18px;top:14px;border:0;background:transparent;color:var(--slate);font-size:30px;line-height:1;cursor:pointer}
.sign-summary{display:grid;grid-template-columns:1.4fr 1fr 1fr;background:var(--pale);border:1px solid var(--line);margin-bottom:28px}
.sign-summary div{padding:17px 18px;border-right:1px solid var(--line)}
.sign-summary div:last-child{border-right:0}
.sign-summary span,.sign-summary strong{display:block}
.sign-summary span{font-size:9px;letter-spacing:.12em;color:var(--blue);text-transform:uppercase;margin-bottom:5px}
.sign-summary strong{font-size:14px;color:var(--navy)}
#sign-form{display:grid;grid-template-columns:1fr 1fr;gap:18px}
#sign-form label span{display:block;font-size:11px;letter-spacing:.08em;text-transform:uppercase;color:var(--blue);font-weight:600;margin-bottom:7px}
#sign-form input{width:100%;padding:13px 14px;border:1px solid #c7d1dc;border-radius:2px;font:inherit;color:var(--ink);background:#fff}
#sign-form input:focus{outline:2px solid rgba(83,107,141,.16);border-color:var(--blue)}
.sign-note,.sign-error,.sign-submit{grid-column:1/-1}
.sign-note{font-size:12px;color:var(--muted);margin:2px 0 0}
.sign-error{padding:10px 12px;background:#fff1ef;border:1px solid #e6beb7;color:#8c3f33;font-size:13px}
.sign-submit{justify-self:start;border:1px solid var(--navy);background:var(--navy);color:#fff;padding:13px 20px;border-radius:2px;font-weight:600;cursor:pointer}
.sign-submit:disabled{opacity:.62;cursor:wait}
.signed-banner{margin-top:28px;background:#eff8f4;border:1px solid #bcdccc;padding:28px 32px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.signed-banner[hidden]{display:none}
.signed-banner small{letter-spacing:.14em;font-weight:700;color:var(--green);font-size:10px}
.signed-banner h3{margin:7px 0 5px;font-size:22px}
.signed-banner p{margin:0;color:#435f57;max-width:760px;font-weight:500}
.signed-check{display:grid;place-items:center;width:48px;height:48px;border-radius:50%;background:var(--green);color:white;font-size:25px;flex:0 0 auto}
@media(max-width:600px){
  .sign-panel{padding:12px}.sign-panel-card{padding:34px 22px 24px;max-height:94vh;overflow:auto}
  .sign-summary{grid-template-columns:1fr}.sign-summary div{border-right:0;border-bottom:1px solid var(--line)}
  .sign-summary div:last-child{border-bottom:0}#sign-form{grid-template-columns:1fr}
  .sign-note,.sign-error,.sign-submit{grid-column:auto}.sign-submit{width:100%}
}

.auth-gate{min-height:100vh;display:grid;place-items:center;padding:32px;background:linear-gradient(135deg,#eef3f8,#fff 48%,#e7eef5)}
.auth-gate[hidden]{display:none}.auth-shell{width:min(470px,100%);background:#fff;border:1px solid #d9e0e7;padding:42px;box-shadow:0 22px 60px rgba(13,35,64,.13)}
.auth-logo{width:230px;max-height:82px;object-fit:contain;object-position:left center;margin-bottom:34px}.auth-eyebrow{font-size:10px;letter-spacing:.22em;font-weight:700;color:#536b8d}
.auth-shell h1{font-family:'Libre Baskerville',serif;font-size:36px;color:#0d2340;margin:10px 0 12px}.auth-shell>p{color:#67758a;margin:0 0 26px;line-height:1.6}
.auth-form label{display:block;font-size:11px;text-transform:uppercase;letter-spacing:.1em;color:#536b8d;font-weight:700;margin-bottom:7px}
.auth-form input{box-sizing:border-box;width:100%;padding:14px;border:1px solid #c7d1dc;border-radius:2px;font:inherit;color:#17243a}
.auth-form button[type=submit]{width:100%;margin-top:14px;padding:14px;border:0;background:#0d2340;color:#fff;font-weight:700;cursor:pointer}.auth-form button:disabled{opacity:.6}
.auth-link{display:block;width:100%;border:0;background:transparent;color:#536b8d;margin-top:12px;cursor:pointer}.auth-status{margin-top:18px;padding:11px 13px;background:#eef5f1;color:#2f654f;font-size:13px}
.auth-status.error{background:#fff0ee;color:#8b4035}.auth-security{margin-top:24px;padding-top:18px;border-top:1px solid #d9e0e7;font-size:11px;color:#67758a;text-align:center}
.header-actions{display:flex;align-items:center;gap:14px}.viewer-email{font-size:11px;color:#67758a}.logout-btn{border:0;background:transparent;color:#536b8d;font-size:11px;text-transform:uppercase;letter-spacing:.08em;cursor:pointer}
.verified-identity{border:1px solid #d9e0e7;background:#f5f7fa;padding:12px 14px}.verified-identity span,.verified-identity strong{display:block}.verified-identity span{font-size:9px;letter-spacing:.12em;text-transform:uppercase;color:#536b8d;margin-bottom:4px}.verified-identity strong{font-size:13px;color:#0d2340}
@media(max-width:700px){.auth-gate{padding:16px}.auth-shell{padding:30px 24px}.header-actions .heritage,.viewer-email{display:none}}

.invoice-card{margin-top:14px;border:1px solid #cbd7e4;border-top:4px solid var(--navy);background:#fff;padding:32px 34px;display:flex;align-items:center;justify-content:space-between;gap:38px;box-shadow:0 10px 28px rgba(13,35,64,.07)}
.invoice-card[hidden]{display:none}
.invoice-copy>small{font-size:10px;letter-spacing:.16em;font-weight:700;color:var(--blue)}
.invoice-copy h3{margin:7px 0 18px;font-size:26px;color:var(--navy)}
.invoice-copy>p{margin:16px 0 0;color:var(--muted);font-size:13px;line-height:1.55}
.invoice-meta{display:flex;gap:32px;flex-wrap:wrap}
.invoice-meta span,.invoice-meta strong{display:block}
.invoice-meta span{font-size:9px;letter-spacing:.11em;text-transform:uppercase;color:var(--muted);margin-bottom:4px}
.invoice-meta strong{color:var(--navy);font-size:15px}
.invoice-meta .invoice-amount-due strong{font-size:24px;font-family:'Libre Baskerville',serif}
.invoice-actions{display:flex;gap:10px;flex-wrap:wrap;justify-content:flex-end;align-items:center}
.invoice-btn{display:inline-flex;align-items:center;justify-content:center;gap:12px;padding:15px 22px;border:1px solid var(--navy);background:var(--navy);color:#fff;text-decoration:none;font-size:14px;font-weight:700;border-radius:3px;white-space:nowrap}
.invoice-btn.secondary{background:#fff;color:var(--navy);padding:13px 18px}
@media(max-width:700px){.invoice-card{display:block;padding:26px 24px}.invoice-actions{justify-content:flex-start;margin-top:24px}.invoice-btn{width:100%;justify-content:center}}