:root{--cream:#fff9f0;--paper:#fffdf9;--ink:#203247;--muted:#647184;--orange:#f28b45;--orange-dark:#d86b27;--sage:#e5eddf;--blue:#e6eef5;--line:#e9e2d8;--radius:24px;--shadow:0 18px 55px rgba(32,50,71,.10)}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:100px}body{margin:0;background:var(--paper);color:var(--ink);font-family:'DM Sans',sans-serif;font-size:16px;line-height:1.65}h1,h2,h3{font-family:Manrope,sans-serif;line-height:1.13;letter-spacing:-.045em;margin:0;font-weight:800}h1{font-size:clamp(2.9rem,5.7vw,5.2rem)}h2{font-size:clamp(2.1rem,3.8vw,3.4rem)}h3{font-size:1.45rem}p{margin:0 0 1rem;color:var(--muted)}a{color:inherit;text-decoration:none}.wrap{width:min(1180px,calc(100% - 48px));margin-inline:auto}.top-note{background:var(--ink);color:#fff9f0;padding:9px 24px;text-align:center;font-size:.76rem;letter-spacing:.03em}.top-note span{color:#f4c39d;margin-left:10px}.site-header{height:88px;display:flex;align-items:center;justify-content:space-between;padding:0 max(24px,calc((100vw - 1180px)/2));gap:24px;background:rgba(255,253,249,.94);border-bottom:1px solid rgba(233,226,216,.7);position:sticky;top:0;z-index:20;backdrop-filter:blur(14px)}.brand{display:flex;align-items:center;gap:10px;font-family:Manrope,sans-serif;font-weight:800;font-size:1.5rem;line-height:1.05;letter-spacing:-.06em;flex-shrink:0}.brand-mark{width:37px;height:37px;border-radius:13px;background:var(--orange);display:grid;place-items:center;color:white;font-size:1.35rem;transform:rotate(-5deg)}.brand-highlight{color:var(--orange-dark)}.brand small{display:block;font:600 .52rem 'DM Sans',sans-serif;letter-spacing:.1em;color:#8a9099;margin-top:5px}.main-nav{display:flex;align-items:center;gap:28px;font-size:.9rem;font-weight:600}.main-nav a:hover,.text-link:hover,.read-link:hover{color:var(--orange-dark)}.header-cta{background:var(--ink);color:white;padding:12px 17px;border-radius:999px;font-size:.86rem;font-weight:700;white-space:nowrap}.header-cta span{color:#ffc18f;margin-left:8px}.menu-toggle{display:none;border:0;background:transparent;font-size:1.4rem;color:var(--ink)}.hero{padding-top:64px;display:grid;grid-template-columns:.94fr 1.06fr;column-gap:45px;align-items:center}.hero-copy{padding:20px 0 40px}.eyebrow{font-size:.73rem;font-weight:800;letter-spacing:.13em;color:#8a6e56;display:flex;align-items:center;gap:9px;margin-bottom:18px}.eyebrow-dot{display:inline-block;width:8px;height:8px;background:var(--orange);border-radius:50%}.hero h1 em,h2 em{font-style:normal;color:var(--orange-dark)}.hero-lede{font-size:1.08rem;max-width:500px;margin:24px 0 28px;line-height:1.8}.hero-actions{display:flex;align-items:center;gap:24px;flex-wrap:wrap}.button{display:inline-flex;align-items:center;gap:25px;padding:15px 20px;border-radius:12px;font-weight:800;font-size:.9rem;transition:transform .2s,box-shadow .2s}.button:hover{transform:translateY(-2px);box-shadow:var(--shadow)}.button-primary{background:var(--orange);color:#2d2a25}.button-primary span,.button-dark span{font-size:1.2rem}.text-link{font-weight:800;font-size:.9rem}.text-link span{margin-left:7px;color:var(--orange-dark)}.hero-proof{display:flex;align-items:center;gap:12px;margin-top:35px;font-size:.81rem;color:var(--muted)}.hero-proof strong{color:var(--ink)}.proof-icon{width:38px;height:38px;display:grid;place-items:center;border-radius:50%;background:#f9e5d3;color:var(--orange-dark);font-size:1.2rem}.hero-visual{position:relative;padding:0 0 24px 20px}.hero-visual>img{width:100%;height:495px;object-fit:cover;border-radius:180px 180px 24px 24px;box-shadow:var(--shadow)}.image-sticker{position:absolute;left:-12px;bottom:46px;background:#fffdf8;padding:22px 23px;border-radius:17px;box-shadow:var(--shadow);transform:rotate(-3deg);display:flex;flex-direction:column;gap:7px}.image-sticker>span:first-child{font-size:.62rem;letter-spacing:.14em;color:var(--orange-dark);font-weight:800}.image-sticker strong{font:800 1.5rem/1.2 Manrope,sans-serif;letter-spacing:-.04em}.sticker-arrow{position:absolute;right:18px;bottom:16px;font-size:1.3rem;color:var(--orange-dark)}.sunburst{position:absolute;right:-8px;top:8px;color:var(--orange);font-size:4.2rem}.hero-bottom{grid-column:1/-1;border-top:1px solid var(--line);margin-top:22px;padding:17px 0 19px;display:flex;gap:30px;align-items:center;color:#7e8790;font-size:.78rem}.hero-bottom span:first-child{font-size:.68rem;font-weight:800;letter-spacing:.13em;color:var(--orange-dark)}.bottom-arrow{margin-left:auto;font-size:1.2rem!important;color:var(--ink)!important}.section-pad{padding:95px 0}.quick-start{background:var(--cream)}.section-heading{display:flex;justify-content:space-between;align-items:end;gap:30px;margin-bottom:38px}.section-heading h2{margin-top:10px}.section-heading>p{max-width:320px;margin:0 0 5px}.path-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.path-card{border-radius:var(--radius);padding:26px;min-height:300px;display:flex;flex-direction:column;align-items:flex-start;transition:transform .2s,box-shadow .2s}.path-card:hover{transform:translateY(-5px);box-shadow:var(--shadow)}.path-peach{background:#f8e7d8}.path-sage{background:#e7eddf}.path-blue{background:#e5edf4}.card-number{font-size:.67rem;letter-spacing:.14em;font-weight:800;color:#80796f}.path-icon{align-self:flex-end;width:47px;height:47px;border-radius:16px;background:rgba(255,255,255,.65);display:grid;place-items:center;font-size:1.4rem;margin-bottom:18px}.path-card h3{font-size:1.7rem;margin-bottom:12px}.path-card p{max-width:290px;color:#5d6874}.card-link{font-size:.85rem;font-weight:800;margin-top:auto;padding-top:15px}.card-link b{color:var(--orange-dark);font-size:1.15rem;margin-left:7px}.featured{background:var(--paper)}.article-grid{display:grid;grid-template-columns:1.16fr 1fr 1fr;gap:22px}.article-card{border:1px solid var(--line);border-radius:20px;overflow:hidden;background:#fff;transition:transform .2s,box-shadow .2s}.article-card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}.article-image{display:block;position:relative;overflow:hidden;height:210px;background:#f2e9df}.article-large .article-image{height:250px}.article-image img{width:100%;height:100%;object-fit:cover;transition:transform .4s}.article-card:hover .article-image img{transform:scale(1.04)}.image-tag{position:absolute;left:15px;top:15px;background:var(--cream);padding:6px 10px;border-radius:7px;font-size:.63rem;letter-spacing:.1em;font-weight:800}.article-body{padding:22px}.article-meta{font-size:.66rem;font-weight:800;letter-spacing:.1em;color:#9a8069;margin-bottom:13px}.article-meta span{margin:0 5px;color:var(--orange)}.article-body h3{font-size:1.26rem;line-height:1.3;margin-bottom:12px}.article-body p{font-size:.9rem;line-height:1.7}.read-link{font-size:.83rem;font-weight:800;display:inline-flex;gap:10px;margin-top:5px}.read-link span{color:var(--orange-dark)}.insurance-band{background:#f8e9dc;overflow:hidden}.insurance-layout{display:grid;grid-template-columns:.8fr 1.2fr;align-items:center;gap:85px}.insurance-art{height:360px;position:relative;display:grid;place-items:center}.orbit{position:absolute;border:1px solid rgba(216,107,39,.25);border-radius:50%;width:310px;height:310px}.orbit-two{width:245px;height:245px;border-style:dashed}.shield{width:140px;height:155px;clip-path:polygon(50% 0,95% 17%,87% 69%,50% 100%,13% 69%,5% 17%);background:var(--orange);display:grid;place-items:center;color:white;font-size:4rem;box-shadow:var(--shadow);z-index:2}.mini-car{position:absolute;bottom:42px;left:12%;font-size:4rem;color:var(--ink);transform:rotate(-8deg)}.spark{position:absolute;color:var(--orange-dark);font-size:2.5rem}.spark-one{right:10%;top:35px}.spark-two{left:15%;top:65px}.insurance-copy h2{max-width:540px;margin-bottom:19px}.insurance-copy>p{max-width:580px}.check-list{list-style:none;margin:20px 0 27px;padding:0;display:grid;gap:10px}.check-list li:before{content:'✓';display:inline-grid;place-items:center;width:22px;height:22px;border-radius:50%;background:#d7e4d0;color:#31573a;font-weight:800;margin-right:11px;font-size:.75rem}.button-dark{background:var(--ink);color:white}.small-note{font-size:.75rem;margin-top:16px;max-width:520px}.ownership{background:var(--paper)}.ownership-layout{display:grid;grid-template-columns:1fr 1fr;gap:90px;align-items:center}.ownership h2{margin:10px 0 22px}.body-large{font-size:1.04rem;line-height:1.85;max-width:480px;margin-bottom:25px}.cost-list{border-top:1px solid var(--line)}.cost-row{display:flex;align-items:center;gap:17px;padding:22px 0;border-bottom:1px solid var(--line)}.cost-icon{flex-shrink:0;width:47px;height:47px;border-radius:15px;background:var(--cream);display:grid;place-items:center;font-weight:800;color:var(--orange-dark);font-size:1.2rem}.cost-row strong,.cost-row small{display:block}.cost-row strong{font-size:.95rem}.cost-row small{font-size:.78rem;color:var(--muted);margin-top:4px}.cost-arrow{margin-left:auto;color:var(--orange-dark);font-size:1.2rem}.about-strip{background:var(--sage)}.about-layout{display:grid;grid-template-columns:.5fr .9fr 1.2fr;gap:45px;align-items:center}.about-mark{font:800 4.8rem/.9 Manrope,sans-serif;letter-spacing:-.12em;color:var(--ink);position:relative}.about-mark span{font-size:2rem;color:var(--orange);position:absolute;top:-15px;right:15px}.about-layout h2{font-size:2.5rem}.about-layout p{margin:0;color:#536257;font-size:.93rem;line-height:1.85}.site-footer{background:var(--ink);color:#fff9f0;padding:38px 0 22px}.footer-top{display:flex;align-items:center;justify-content:space-between;gap:30px;padding-bottom:28px}.brand-footer{color:#fff9f0}.brand-footer small{color:#aab6c2}.footer-top>p{color:#c2cbd4;margin:0;font-size:.85rem}.footer-top nav{display:flex;gap:19px;flex-wrap:wrap;font-size:.78rem;color:#e1e5e9}.footer-top nav a:hover{color:#ffc18f}.footer-bottom{border-top:1px solid rgba(255,255,255,.16);padding-top:18px;display:flex;justify-content:space-between;gap:20px;color:#b8c2cc;font-size:.7rem}
/* Supporting article pages */
.content-page{min-height:65vh}.article-hero{padding:74px 0 45px;background:var(--cream)}.article-hero h1{font-size:clamp(2.5rem,5vw,4.5rem);max-width:900px}.article-hero p{font-size:1.1rem;max-width:760px;margin-top:20px}.article-content{max-width:790px;padding:55px 24px 90px;margin:auto}.article-content h2{font-size:1.8rem;margin:35px 0 14px}.article-content h3{font-size:1.25rem;margin:26px 0 10px}.article-content p,.article-content li{line-height:1.9}.article-content ul,.article-content ol{padding-left:24px;color:var(--muted)}.notice-box{background:var(--cream);padding:22px;border-radius:14px;border-left:4px solid var(--orange);margin:25px 0}.notice-box p:last-child{margin-bottom:0}.page-cta{background:var(--sage);padding:25px;border-radius:16px;margin:30px 0}.page-cta p{margin:8px 0 18px}.placeholder{border:1px dashed #c7b8a6;background:#fffaf4;padding:16px;border-radius:10px;font-size:.85rem;color:#6e5a49}.site-footer a:focus-visible,.main-nav a:focus-visible,.button:focus-visible{outline:3px solid var(--orange);outline-offset:3px}
@media(max-width:950px){.main-nav{gap:15px;font-size:.82rem}.header-cta{display:none}.hero{column-gap:25px}.hero-visual>img{height:430px}.insurance-layout,.ownership-layout{gap:45px}.about-layout{grid-template-columns:.35fr 1fr 1.2fr;gap:25px}.article-grid{gap:14px}.article-body{padding:17px}.article-body h3{font-size:1.12rem}}
@media(max-width:720px){.wrap{width:min(100% - 34px,560px)}.top-note{font-size:.68rem}.top-note span{display:none}.site-header{height:74px;padding:0 17px}.menu-toggle{display:block;margin-left:auto}.main-nav{display:none;position:absolute;top:73px;left:0;right:0;background:var(--paper);padding:20px 24px 24px;box-shadow:var(--shadow);flex-direction:column;align-items:flex-start;gap:17px}.main-nav.open{display:flex}.hero{padding-top:35px;grid-template-columns:1fr;gap:12px}.hero-copy{padding-bottom:15px}.hero h1{font-size:clamp(2.8rem,12vw,4.2rem)}.hero-lede{font-size:1rem}.hero-visual{padding-left:10px}.hero-visual>img{height:360px;border-radius:150px 150px 20px 20px}.image-sticker{left:0;bottom:37px;padding:16px}.image-sticker strong{font-size:1.2rem}.sunburst{right:0;font-size:3rem}.hero-bottom{gap:13px;flex-wrap:wrap;font-size:.68rem}.hero-bottom span:nth-child(3),.hero-bottom span:nth-child(4){display:none}.section-pad{padding:65px 0}.section-heading{align-items:flex-start;flex-direction:column;gap:15px;margin-bottom:26px}.section-heading>p{max-width:100%}.path-grid,.article-grid{grid-template-columns:1fr}.path-card{min-height:250px}.article-image,.article-large .article-image{height:230px}.article-body{padding:21px}.article-body h3{font-size:1.3rem}.insurance-layout,.ownership-layout{grid-template-columns:1fr;gap:25px}.insurance-art{height:265px;order:2}.orbit{width:240px;height:240px}.orbit-two{width:190px;height:190px}.shield{width:110px;height:125px;font-size:3rem}.mini-car{bottom:13px}.insurance-copy{order:1}.ownership-layout{gap:30px}.about-layout{grid-template-columns:70px 1fr;gap:15px 20px}.about-mark{font-size:3.8rem}.about-mark span{right:-4px;font-size:1.4rem}.about-layout h2{font-size:2rem}.about-layout p{grid-column:1/-1;margin-top:10px}.footer-top{align-items:flex-start;flex-direction:column;gap:20px}.footer-top nav{gap:14px}.footer-bottom{flex-direction:column;gap:8px}.article-hero{padding:48px 0 30px}.article-content{padding:35px 22px 60px}.article-content h2{font-size:1.55rem}}