:root{
  --ink:#14213D;
  --ink-soft:#3A4660;
  --cream:#FFF8EC;
  --white:#FFFFFF;
  --sun:#FFC845;
  --sun-soft:#FFF1C7;
  --coral:#E8553A;
  --coral-dark:#C2401F;
  --sea:#0B6E78;
  --sea-dark:#07525A;
  --sea-soft:#DDF3F1;
  --line:#EADFCB;
  --radius:22px;
  --shadow:0 10px 30px rgba(20,33,61,.10);
  --max:1200px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%;font-size:clamp(17px, 0.35vw + 16px, 20px)}
body{
  margin:0;background:var(--cream);color:var(--ink);
  font-family:"Atkinson Hyperlegible",Verdana,Arial,sans-serif;
  font-size:1rem;
  line-height:1.65;
}
img{max-width:100%;display:block}
h1,h2,h3,h4{font-family:"Nunito",Arial,sans-serif;line-height:1.15;margin:0 0 .5em;color:var(--ink)}
h1{font-size:clamp(2.3rem, 4vw + 1rem, 3.8rem);font-weight:900;letter-spacing:-.5px}
h2{font-size:clamp(1.9rem, 2.4vw + 1rem, 3rem);font-weight:900}
h3{font-size:clamp(1.35rem, .8vw + 1rem, 1.7rem);font-weight:800}
h4{font-size:clamp(1.15rem, .4vw + 1rem, 1.3rem);font-weight:800}
p{margin:0 0 1em}
a{color:var(--sea-dark)}
a:focus-visible,button:focus-visible,summary:focus-visible{outline:4px solid var(--sun);outline-offset:3px;border-radius:8px}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:0;background:var(--ink);color:#fff;padding:12px 18px;z-index:100}
.skip:focus{left:10px;top:10px}
.eyebrow{display:inline-block;font-family:"Nunito",sans-serif;font-weight:800;font-size:1rem;letter-spacing:.06em;text-transform:uppercase;color:var(--coral-dark);margin-bottom:.6rem}
.lead{font-size:1.18em;color:var(--ink-soft);max-width:60ch}
section{padding:clamp(56px,8vw,104px) 0}
.center{text-align:center}
.center .lead{margin-left:auto;margin-right:auto}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5em;min-height:56px;padding:14px 28px;border-radius:999px;font-family:"Nunito",sans-serif;font-weight:800;font-size:1.1rem;text-decoration:none;border:3px solid transparent;cursor:pointer;transition:transform .15s ease, background .15s ease}
.btn:hover{transform:translateY(-2px)}
.btn-coral{background:var(--coral);color:#fff}
.btn-coral:hover{background:var(--coral-dark)}
.btn-sun{background:var(--sun);color:var(--ink)}
.btn-outline{background:#fff;color:var(--ink);border-color:var(--ink)}
.btn-sea{background:var(--sea);color:#fff}
.btn-sea:hover{background:var(--sea-dark)}

/* Header */
.topbar{background:var(--ink);color:#fff;font-size:1rem}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;gap:12px;flex-wrap:wrap;padding-top:8px;padding-bottom:8px}
.topbar a{color:var(--sun);font-weight:700;text-decoration:none}
header.site{position:sticky;top:0;z-index:50;background:rgba(255,248,236,.97);backdrop-filter:blur(8px);border-bottom:2px solid var(--line)}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:84px}
.logo{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--ink)}
.logo-mark{width:52px;height:52px;border-radius:16px;background:var(--sun);display:grid;place-items:center;flex:none}
.logo-mark svg{width:32px;height:32px}
.logo-text{font-family:"Nunito",sans-serif;font-weight:900;font-size:1.45rem;line-height:1}
.logo-text small{display:block;font-size:1rem;font-weight:700;color:var(--sea-dark);letter-spacing:.05em;text-transform:uppercase;margin-top:4px}
nav.main ul{list-style:none;margin:0;padding:0;display:flex;gap:4px;align-items:center}
nav.main a{display:block;padding:10px 9px;border-radius:12px;text-decoration:none;color:var(--ink);font-weight:700;font-size:1rem;white-space:nowrap}
nav.main a:hover{background:var(--sun-soft)}
nav.main .btn{color:#fff;margin-left:6px;padding:10px 18px;min-height:50px}
.menu-toggle{display:none;background:var(--ink);color:#fff;border:0;border-radius:14px;min-height:52px;padding:0 18px;font:800 1.05rem "Nunito",sans-serif;cursor:pointer}
@media (max-width:1240px){
  .menu-toggle{display:inline-flex;align-items:center;gap:8px}
  nav.main{position:absolute;left:0;right:0;top:100%;background:var(--cream);border-bottom:2px solid var(--line);display:none;box-shadow:var(--shadow)}
  nav.main.open{display:block}
  nav.main ul{flex-direction:column;align-items:stretch;padding:12px 20px 20px;gap:2px}
  nav.main a{padding:14px 12px;font-size:1.15rem;border-bottom:1px solid var(--line);border-radius:0}
  nav.main .btn{margin:12px 0 0;border-radius:999px;border:0}
}

/* Hero */
.hero{position:relative;padding:0;color:#fff;overflow:hidden}
.hero-bg{position:absolute;inset:0;background-image:url("hero-couple.jpg"),url("https://d8j0ntlcm91z4.cloudfront.net/user_30T2KpuBXnDUm2FvdjGRQkNEwdw/hf_20260916_225333_3f17507a-4e28-48ff-809c-a10f1e9214fd.png");background-size:cover;background-position:68% 15%;background-repeat:no-repeat}
.hero::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(20,33,61,.86) 0%,rgba(20,33,61,.6) 50%,rgba(20,33,61,.15) 100%)}
.hero .wrap{position:relative;z-index:2;padding-top:clamp(70px,11vw,150px);padding-bottom:clamp(70px,11vw,150px)}
.hero h1{color:#fff;max-width:15ch}
.hero h1 span{color:var(--sun)}
.hero p{font-size:1.25em;max-width:40ch;color:#fff}
.hero-actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:28px}
.hero-actions .btn-outline{background:transparent;color:#fff;border-color:#fff}
@media (max-width:700px){
  .hero::after{background:linear-gradient(180deg,rgba(20,33,61,.55) 0%,rgba(20,33,61,.88) 70%)}
  .hero-actions .btn{width:100%}
}

/* Trust strip */
.trust{padding:0;margin-top:-1px;background:var(--sun)}
.trust ul{list-style:none;margin:0 auto;padding:22px 20px;max-width:var(--max);display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.trust li{display:flex;align-items:center;gap:12px;font-weight:700;font-size:1.05rem}
.trust .ic{flex:none;width:46px;height:46px;border-radius:50%;background:var(--ink);color:var(--sun);display:grid;place-items:center}
.trust .ic svg{width:24px;height:24px}
@media (max-width:900px){.trust ul{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.trust ul{grid-template-columns:1fr}}

/* Plans */
.plans-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;margin-top:44px}
@media (max-width:980px){.plans-grid{grid-template-columns:1fr 1fr}}
@media (max-width:640px){.plans-grid{grid-template-columns:1fr}}
.card{background:#fff;border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);display:flex;flex-direction:column;border:2px solid var(--line)}
.card-img{aspect-ratio:16/10;background:var(--sea-soft) center/cover no-repeat;position:relative}
.tag{position:absolute;left:14px;top:14px;background:#fff;color:var(--ink);font:800 1rem "Nunito",sans-serif;padding:6px 12px;border-radius:999px;letter-spacing:.03em}
.card-body{padding:24px 24px 26px;display:flex;flex-direction:column;flex:1}
.card-body ul{margin:0 0 20px;padding:0;list-style:none}
.card-body li{padding-left:34px;position:relative;margin-bottom:8px}
.card-body li::before{content:"";position:absolute;left:0;top:.2em;width:22px;height:22px;border-radius:50%;background:var(--sea-soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230B6E78' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l5 5 9-10'/%3E%3C/svg%3E") center/14px no-repeat}
.card-body .btn{margin-top:auto;width:100%}

/* More plans chips */
.more{background:var(--white)}
.chips{display:flex;flex-wrap:wrap;gap:12px;justify-content:center;margin-top:34px}
.chips a{display:inline-flex;align-items:center;min-height:52px;padding:10px 20px;border-radius:999px;background:var(--cream);border:2px solid var(--line);color:var(--ink);text-decoration:none;font-weight:700}
.chips a:hover{background:var(--sun-soft);border-color:var(--sun)}

/* Split feature */
.split{display:grid;grid-template-columns:1.05fr 1fr;gap:clamp(30px,5vw,70px);align-items:center}
.split.rev .split-img{order:2}
@media (max-width:860px){.split{grid-template-columns:1fr}.split.rev .split-img{order:0}}
.split-img{position:relative}
.split-img img{border-radius:var(--radius);box-shadow:var(--shadow);width:100%;aspect-ratio:4/3;object-fit:cover}
.split-img .badge{position:absolute;right:-10px;bottom:-18px;background:var(--coral);color:#fff;border-radius:20px;padding:16px 22px;font-family:"Nunito",sans-serif;font-weight:900;font-size:1.25rem;line-height:1.2;box-shadow:var(--shadow);max-width:230px}
@media (max-width:860px){.split-img .badge{right:12px}}
.seniors{background:var(--sea-soft)}
.checklist{list-style:none;padding:0;margin:22px 0 30px}
.checklist li{display:flex;gap:14px;align-items:flex-start;margin-bottom:14px;font-size:1.08em}
.checklist li b{flex:none;width:34px;height:34px;border-radius:50%;background:var(--sea);color:#fff;display:grid;place-items:center;font-family:"Nunito",sans-serif;font-size:1rem}

/* Gallery */
.gallery{padding:0;overflow:hidden;background:var(--cream)}
.strip{display:grid;grid-template-columns:repeat(6,1fr);gap:10px;padding:0 10px}
.strip figure{margin:0;position:relative;border-radius:18px;overflow:hidden;aspect-ratio:3/4}
.strip img{width:100%;height:100%;object-fit:cover;transition:transform .5s ease}
.strip figure:hover img{transform:scale(1.06)}
.strip figcaption{position:absolute;left:10px;bottom:10px;background:rgba(255,255,255,.95);color:var(--ink);font:800 1rem "Nunito",sans-serif;padding:5px 12px;border-radius:999px}
@media (max-width:900px){.strip{grid-template-columns:repeat(3,1fr)}}
@media (max-width:520px){.strip{grid-template-columns:repeat(2,1fr)}}

/* Who we help */
.who-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:18px;margin-top:40px}
@media (max-width:1080px){.who-grid{grid-template-columns:repeat(3,1fr)}}
@media (max-width:700px){.who-grid{grid-template-columns:1fr 1fr}}
@media (max-width:460px){.who-grid{grid-template-columns:1fr}}
.who{background:#fff;border-radius:var(--radius);overflow:hidden;border:2px solid var(--line);text-decoration:none;color:var(--ink);display:flex;flex-direction:column}
.who img{aspect-ratio:4/3;object-fit:cover;width:100%}
.who div{padding:18px 18px 22px}
.who h3{font-size:1.3rem;margin-bottom:.35em}
.who p{margin:0;color:var(--ink-soft)}

/* Steps */
.steps{background:var(--ink);color:#fff}
.steps h2,.steps h3{color:#fff}
.steps .lead{color:#D6DDEB}
.steps .eyebrow{color:var(--sun)}
.step-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:44px;counter-reset:s}
@media (max-width:860px){.step-grid{grid-template-columns:1fr}}
.step{background:rgba(255,255,255,.07);border:2px solid rgba(255,255,255,.14);border-radius:var(--radius);padding:30px 26px}
.step::before{counter-increment:s;content:counter(s);display:grid;place-items:center;width:58px;height:58px;border-radius:50%;background:var(--sun);color:var(--ink);font:900 1.6rem "Nunito",sans-serif;margin-bottom:18px}
.step p{color:#E4E9F2;margin:0}

/* FAQ */
.faq-list{max-width:900px;margin:40px auto 0}
details{background:#fff;border:2px solid var(--line);border-radius:18px;margin-bottom:14px;overflow:hidden}
summary{list-style:none;cursor:pointer;padding:22px 64px 22px 24px;position:relative;font-family:"Nunito",sans-serif;font-weight:800;font-size:clamp(1.15rem,.5vw + 1rem,1.35rem);line-height:1.3}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";position:absolute;right:20px;top:50%;transform:translateY(-50%);width:36px;height:36px;border-radius:50%;background:var(--sun);display:grid;place-items:center;font-size:1.5rem;line-height:1}
details[open] summary::after{content:"\2212"}
details[open] summary{background:var(--sun-soft)}
details .ans{padding:6px 24px 22px}
details .ans p:last-child{margin:0}

/* CTA */
.cta{background:linear-gradient(rgba(11,110,120,.88),rgba(7,82,90,.92)),url("https://images.unsplash.com/photo-1507525428034-b723cf961d3e?w=1800&q=70&auto=format&fit=crop") center/cover;color:#fff;text-align:center}
.cta h2{color:#fff}
.cta p{font-size:1.2em;max-width:44ch;margin:0 auto 30px}
.phone-big{display:inline-block;font:900 clamp(2.2rem,5vw,3.6rem) "Nunito",sans-serif;color:var(--sun);text-decoration:none;margin:4px 0 26px}
.cta .row{display:flex;justify-content:center;gap:14px;flex-wrap:wrap}
@media (max-width:520px){.cta .row .btn{width:100%}}

/* Resources */
.res-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin-top:34px}
@media (max-width:700px){.res-grid{grid-template-columns:1fr}}
.res{background:#fff;border:2px solid var(--line);border-radius:var(--radius);padding:26px;display:flex;gap:18px;align-items:flex-start;text-decoration:none;color:var(--ink)}
.res .ic{flex:none;width:58px;height:58px;border-radius:16px;background:var(--sea-soft);display:grid;place-items:center;color:var(--sea)}
.res .ic svg{width:30px;height:30px}
.res h3{margin-bottom:.2em;color:var(--sea-dark);text-decoration:underline;text-underline-offset:4px}
.res p{margin:0;color:var(--ink-soft)}

/* Footer */
footer{background:var(--ink);color:#D6DDEB;padding:70px 0 30px;font-size:1rem}
footer h4{color:#fff;font-size:1.2rem}
footer a{color:#fff;text-decoration:none}
footer a:hover{color:var(--sun);text-decoration:underline}
.foot-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:34px}
@media (max-width:980px){.foot-grid{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.foot-grid{grid-template-columns:1fr}}
.foot-grid ul{list-style:none;margin:0;padding:0}
.foot-grid li{margin-bottom:10px}
.foot-contact a{color:var(--sun);font-weight:700;font-size:1.15rem}
.legal{border-top:1px solid rgba(255,255,255,.15);margin-top:50px;padding-top:24px;font-size:1rem;color:#B9C3D6}
.legal p{margin:0 0 .6em}

@media (max-width:700px){.topbar .tagline{display:none}.topbar .wrap{justify-content:center}}
/* Mobile call bar */
.callbar{display:none}
@media (max-width:700px){
  .callbar{display:grid;grid-template-columns:1fr 1fr;position:fixed;left:0;right:0;bottom:0;z-index:60;box-shadow:0 -6px 20px rgba(0,0,0,.15)}
  .callbar a{min-height:62px;display:flex;align-items:center;justify-content:center;gap:8px;font:800 1.1rem "Nunito",sans-serif;text-decoration:none}
  .callbar .c1{background:var(--sun);color:var(--ink)}
  .callbar .c2{background:var(--coral);color:#fff}
  body{padding-bottom:62px}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}

/* ===== Inner pages ===== */
.page-hero{position:relative;color:#fff;padding:0;overflow:hidden;background:var(--ink)}
.page-hero .bg{position:absolute;inset:0;background-size:cover;background-position:center}
.page-hero::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(20,33,61,.9) 0%,rgba(20,33,61,.7) 55%,rgba(20,33,61,.3) 100%)}
.page-hero .wrap{position:relative;z-index:2;padding-top:clamp(48px,7vw,96px);padding-bottom:clamp(48px,7vw,96px)}
.page-hero h1{color:#fff;font-size:clamp(2.1rem,3.2vw + 1rem,3.4rem);max-width:20ch}
.page-hero p{color:#fff;font-size:1.18em;max-width:52ch}
.page-hero .eyebrow{color:var(--sun)}
@media (max-width:700px){.page-hero::after{background:rgba(20,33,61,.8)}.page-hero .hero-actions .btn{width:100%}}
.crumbs{font-size:1rem;margin-bottom:18px}
.crumbs a{color:#fff}
.crumbs span{color:var(--sun)}
.intro{padding-bottom:0}
.prose{max-width:820px}
.prose p{font-size:1.06em}
.prose h2{margin-top:.2em}
.prose h3{margin-top:1.4em}
.note{background:var(--sun-soft);border-left:6px solid var(--sun);border-radius:14px;padding:18px 22px;margin:24px 0}
.plan-list{display:grid;grid-template-columns:repeat(2,1fr);gap:26px;margin-top:36px}
@media (max-width:860px){.plan-list{grid-template-columns:1fr}}
.plan{background:#fff;border:2px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:28px 26px;display:flex;flex-direction:column}
.plan .tag{position:static;display:inline-block;align-self:flex-start;background:var(--sea-soft);color:var(--sea-dark);margin-bottom:12px}
.plan p{color:var(--ink-soft)}
.plan ul{margin:0 0 22px;padding:0;list-style:none}
.plan li{padding-left:34px;position:relative;margin-bottom:8px}
.plan li::before{content:"";position:absolute;left:0;top:.2em;width:22px;height:22px;border-radius:50%;background:var(--sea-soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230B6E78' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l5 5 9-10'/%3E%3C/svg%3E") center/14px no-repeat}
.plan .actions{margin-top:auto;display:flex;flex-wrap:wrap;gap:12px}
.plan .actions .btn{flex:1 1 200px}
.alt{background:#fff}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:26px;margin-top:28px}
@media (max-width:760px){.two-col{grid-template-columns:1fr}}
.box{background:var(--cream);border:2px solid var(--line);border-radius:var(--radius);padding:26px}
.alt .box{background:var(--cream)}
.box ul{margin:0;padding-left:1.2em}
.box li{margin-bottom:6px}
.terms{max-width:900px;margin:30px auto 0}
.terms dt{font-family:"Nunito",sans-serif;font-weight:800;font-size:1.3rem;margin-top:26px;color:var(--sea-dark)}
.terms dd{margin:6px 0 0}
.contact-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:34px}
@media (max-width:860px){.contact-grid{grid-template-columns:1fr}}
.contact-card{background:#fff;border:2px solid var(--line);border-radius:var(--radius);padding:28px;text-align:center}
.contact-card .big{display:block;font:900 1.5rem "Nunito",sans-serif;color:var(--sea-dark);text-decoration:none;margin-top:6px;word-break:break-word}
.lib-list{columns:3 260px;column-gap:30px;margin-top:30px;padding:0;list-style:none}
.lib-list li{break-inside:avoid;margin-bottom:12px}
.quote-groups{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:36px}
@media (max-width:980px){.quote-groups{grid-template-columns:1fr 1fr}}
@media (max-width:620px){.quote-groups{grid-template-columns:1fr}}
.quote-groups .box h3{margin-bottom:.6em}
.quote-groups .box a.btn{width:100%;margin-top:10px}

/* Back to top */
.to-top{position:fixed;right:22px;bottom:24px;z-index:70;width:62px;height:62px;border-radius:50%;border:0;cursor:pointer;background:#E0201B;color:#fff;display:grid;place-items:center;box-shadow:0 0 0 6px rgba(224,32,27,.22),0 8px 22px rgba(20,33,61,.3);opacity:0;visibility:hidden;transform:translateY(12px);transition:opacity .25s ease,transform .25s ease,visibility .25s,background .15s}
.to-top.show{opacity:1;visibility:visible;transform:none}
.to-top:hover{background:#B8120E}
.to-top:focus-visible{outline:4px solid var(--sun);outline-offset:4px}
.to-top svg{width:28px;height:28px}
@media (max-width:700px){.to-top{right:16px;bottom:80px;width:58px;height:58px}}

/* ===== Ask Benny chat ===== */
.benny{position:fixed;right:22px;bottom:24px;z-index:80;font-family:"Atkinson Hyperlegible",Verdana,Arial,sans-serif}
.has-benny .to-top{bottom:106px}
.benny-launch{display:flex;align-items:center;gap:12px;padding:7px 24px 7px 7px;min-height:66px;border-radius:999px;background:var(--ink);color:#fff;border:3px solid #E0201B;box-shadow:0 10px 26px rgba(20,33,61,.35);cursor:pointer;font:900 1.15rem "Nunito",sans-serif;letter-spacing:.06em;text-transform:uppercase}
.benny-launch:hover{background:#1E2F55}
.benny-launch:focus-visible,.benny button:focus-visible,.benny a:focus-visible,.benny input:focus-visible{outline:4px solid var(--sun);outline-offset:3px}
.benny-av{position:relative;display:block;width:48px;height:48px;border-radius:50%;flex:none;background:#fff}
.benny-av svg{width:100%;height:100%;display:block;border-radius:50%}
.benny-av.sm{width:36px;height:36px}
.benny-dot{position:absolute;right:-1px;bottom:-1px;width:15px;height:15px;border-radius:50%;background:#22C55E;border:3px solid var(--ink)}
.benny.open .benny-launch{display:none}
.benny-tip{position:absolute;right:0;bottom:84px;width:max-content;max-width:320px;background:var(--ink);color:#fff;border:3px solid #E0201B;border-radius:16px;padding:12px 44px 12px 16px;font-weight:700;font-size:1rem;line-height:1.35;box-shadow:0 10px 24px rgba(20,33,61,.3);opacity:0;visibility:hidden;transform:translateY(8px);transition:.25s}
.benny-tip::after{content:"";position:absolute;right:46px;bottom:-11px;width:18px;height:18px;background:var(--ink);border-right:3px solid #E0201B;border-bottom:3px solid #E0201B;transform:rotate(45deg)}
.benny-tip.show{opacity:1;visibility:visible;transform:none}
.benny-tip-x{position:absolute;right:6px;top:6px;width:32px;height:32px;border:0;border-radius:50%;background:transparent;color:#fff;font-size:1.5rem;line-height:1;cursor:pointer}
.benny-panel{position:absolute;right:0;bottom:0;width:400px;height:min(640px,calc(100vh - 48px));background:#fff;border-radius:22px;box-shadow:0 20px 50px rgba(20,33,61,.35);display:flex;flex-direction:column;overflow:hidden;border:2px solid var(--line)}
.benny-panel[hidden]{display:none}
.benny-head{display:flex;align-items:center;gap:12px;background:var(--ink);color:#fff;padding:14px 14px 14px 16px}
.benny-name{font:900 1.3rem "Nunito",sans-serif;line-height:1.1}
.benny-sub{font-size:1rem;color:#D6DDEB}
.benny-x{margin-left:auto;width:48px;height:48px;border-radius:50%;border:0;background:rgba(255,255,255,.12);color:#fff;font-size:2rem;line-height:1;cursor:pointer}
.benny-note{background:var(--sun-soft);color:var(--ink);font-size:1rem;line-height:1.4;padding:10px 16px;border-bottom:1px solid var(--line)}
.benny-log{flex:1;overflow-y:auto;padding:16px;background:var(--cream);display:flex;flex-direction:column;gap:12px}
.benny-msg{display:flex;gap:8px;align-items:flex-end;max-width:100%}
.benny-msg.me{justify-content:flex-end}
.benny-bubble{border-radius:18px;padding:12px 15px;font-size:1rem;line-height:1.5;max-width:86%}
.benny-msg.bot .benny-bubble{background:#fff;border:2px solid var(--line);border-bottom-left-radius:6px;color:var(--ink)}
.benny-msg.me .benny-bubble{background:var(--sea);color:#fff;border-bottom-right-radius:6px}
.benny-bubble p{margin:0 0 .5em}
.benny-bubble p:last-child{margin:0}
.benny-bubble ul{margin:.3em 0 .6em;padding-left:1.2em}
.benny-bubble li{margin-bottom:4px}
.benny-links{display:flex;flex-direction:column;gap:8px;margin-top:10px}
.benny-links a{display:block;text-align:center;background:var(--coral);color:#fff;text-decoration:none;font:800 1rem "Nunito",sans-serif;padding:11px 14px;border-radius:999px}
.benny-links a+a{background:#fff;color:var(--ink);border:2px solid var(--ink)}
.benny-chips{display:flex;flex-wrap:wrap;gap:8px;margin-top:10px}
.benny-chips button{background:var(--sea-soft);color:var(--sea-dark);border:2px solid #B7E3DF;border-radius:999px;padding:8px 13px;font:700 1rem "Atkinson Hyperlegible",sans-serif;cursor:pointer}
.benny-chips button:hover{background:#C8ECE8}
.typing .benny-bubble{display:flex;gap:5px;padding:16px}
.typing i{width:8px;height:8px;border-radius:50%;background:#9AA5B8;animation:bennyb 1s infinite}
.typing i:nth-child(2){animation-delay:.15s}.typing i:nth-child(3){animation-delay:.3s}
@keyframes bennyb{0%,80%,100%{opacity:.3;transform:none}40%{opacity:1;transform:translateY(-3px)}}
.benny-form{display:flex;gap:8px;padding:12px;border-top:2px solid var(--line);background:#fff}
.benny-form input{flex:1;min-width:0;min-height:54px;border:2px solid #C9BFAE;border-radius:999px;padding:0 18px;font:400 1rem "Atkinson Hyperlegible",sans-serif;color:var(--ink)}
.benny-form input:focus{border-color:var(--sea)}
.benny-form button{width:54px;height:54px;border-radius:50%;border:0;background:var(--coral);color:#fff;cursor:pointer;display:grid;place-items:center;flex:none}
.benny-form button svg{width:24px;height:24px}
.benny-sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
@media (max-width:700px){
  .benny{right:14px;bottom:76px}
  .has-benny .to-top{bottom:154px;right:18px}
  .benny-launch{min-height:58px;font-size:1.05rem;padding:5px 18px 5px 5px}
  .benny-av{width:44px;height:44px}
  .benny-tip{bottom:74px}
  .benny.open{inset:0;right:0;bottom:0}
  .benny-panel{position:fixed;inset:0;width:100%;height:100%;border-radius:0;border:0}
}
@media (prefers-reduced-motion:reduce){.typing i{animation:none}}

/* ===== Owner feedback additions ===== */
.carrier{padding:28px 0;background:#fff;border-bottom:2px solid var(--line)}
.carrier .wrap{display:flex;align-items:center;justify-content:center;gap:28px;flex-wrap:wrap;text-align:center}
.carrier-logo{max-height:90px;width:auto;max-width:100%}
.carrier p{margin:0;font-size:1.1em;max-width:52ch}
.who-grid.two{grid-template-columns:1fr 1fr;max-width:980px;margin-left:auto;margin-right:auto}
@media (max-width:700px){.who-grid.two{grid-template-columns:1fr}}
.who-grid.two h3{font-size:1.45rem}
.brokers-band{padding:30px 0;background:var(--sun-soft);border-top:2px solid var(--line);border-bottom:2px solid var(--line)}
.brokers-band .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap}
.brokers-band p{margin:0;font-size:1.1em}
@media (max-width:600px){.brokers-band .btn{width:100%}}
.about-grid{display:grid;grid-template-columns:1.3fr 1fr;gap:clamp(28px,5vw,60px);align-items:center}
@media (max-width:860px){.about-grid{grid-template-columns:1fr}}
.res-stack{display:grid;gap:18px}

.logo{flex:none}
.logo-text{white-space:nowrap}
@media (min-width:1180px){.plans-grid{grid-template-columns:repeat(4,1fr);gap:22px}.plans-grid .card-body{padding:22px 20px 24px}}
.brokers-band p{flex:1 1 420px}

@media (max-width:700px){
  .benny-launch{padding:5px;min-height:0;border-width:3px}
  .benny-label{display:none}
  .benny-av{width:52px;height:52px}
  .benny-tip{bottom:70px}
  .benny-tip::after{right:18px}
  .has-benny .to-top{bottom:150px}
}

/* ===== One-page travel insurance layout ===== */
nav.main .btn:hover,nav.main .btn:focus-visible{background:var(--coral-dark);color:#fff}
.btn-coral:hover,.btn-coral:focus-visible{background:var(--coral-dark);color:#fff}
.btn-sea:hover{background:var(--sea-dark);color:#fff}
.btn-sun:hover{background:#F2B72E;color:var(--ink)}
.btn-outline:hover{background:var(--ink);color:#fff}
.hero-actions .btn-outline:hover{background:#fff;color:var(--ink)}
.main-plans{display:grid;grid-template-columns:1fr 1fr;gap:28px;margin-top:44px}
.side-plans{display:grid;grid-template-columns:1fr 1fr;gap:28px;margin-top:28px}
@media (max-width:860px){.main-plans,.side-plans{grid-template-columns:1fr}}
.card.big{border-color:var(--sun);border-width:3px}
.card.big h3{font-size:clamp(1.6rem,1vw + 1.2rem,2rem)}
.card-body .btn{margin-top:auto;width:100%}
.card.big .card-body ul{margin-bottom:24px}
.sub-link{margin:18px 0 0;padding:14px 16px;background:var(--sea-soft);border-radius:14px;color:var(--ink)}
.sub-link a{font-weight:700}
#plans .card{scroll-margin-top:110px}
.compare-wrap{max-width:980px;margin:36px auto 0;overflow-x:auto;border-radius:var(--radius);border:2px solid var(--line);background:#fff}
.compare{width:100%;border-collapse:collapse;min-width:560px}
.compare th,.compare td{padding:16px 18px;text-align:left;vertical-align:top;border-bottom:1px solid var(--line)}
.compare thead th{background:var(--ink);color:#fff;font-family:"Nunito",sans-serif;font-weight:900;font-size:1.25rem}
.compare tbody th{font-weight:700;color:var(--sea-dark);width:24%}
.compare .cta-row td,.compare .cta-row th{border-bottom:0}
.compare .cta-row .btn{width:100%}
.quote-picks{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:34px;text-align:left}
@media (max-width:980px){.quote-picks{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.quote-picks{grid-template-columns:1fr}}
.qp{display:flex;flex-direction:column;gap:4px;padding:24px 22px;border-radius:var(--radius);background:var(--coral);color:#fff;text-decoration:none;box-shadow:var(--shadow);transition:transform .15s,background .15s}
.qp strong{font:900 1.35rem "Nunito",sans-serif}
.qp span{font-size:1rem;opacity:.95}
.qp::after{content:"Get a Quote \2192";margin-top:10px;font:800 1rem "Nunito",sans-serif;color:var(--sun-soft)}
.qp:hover{background:var(--coral-dark);transform:translateY(-2px)}
.addr{font-size:1rem !important;opacity:.9;margin-top:-10px !important}
@media (max-width:700px){.callbar{grid-template-columns:1fr}}

.spec-head{margin-top:clamp(56px,7vw,90px)}
.spec-plans{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;margin-top:30px}
@media (max-width:980px){.spec-plans{grid-template-columns:1fr 1fr}}
@media (max-width:640px){.spec-plans{grid-template-columns:1fr}}
.quote-picks{grid-template-columns:repeat(3,1fr)}
@media (max-width:860px){.quote-picks{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.quote-picks{grid-template-columns:1fr}}

.plan-copy{color:var(--ink-soft);margin-bottom:22px}
.spec-plans{grid-template-columns:repeat(auto-fit,minmax(250px,1fr))}
@media (min-width:981px) and (max-width:1200px){.spec-plans{grid-template-columns:1fr 1fr}}
.app{background:var(--ink);color:#fff}
.app h2,.app .lead{color:#fff}
.app .lead{color:#E4E9F2}
.app .eyebrow{color:var(--sun)}
.app-grid{display:grid;grid-template-columns:1.25fr 1fr;gap:clamp(30px,5vw,64px);align-items:center}
@media (max-width:900px){.app-grid{grid-template-columns:1fr}}
.app-list{list-style:none;margin:24px 0;padding:0;columns:2 220px;column-gap:28px}
.app-list li{break-inside:avoid;position:relative;padding-left:32px;margin-bottom:10px;color:#fff}
.app-list li::before{content:"";position:absolute;left:0;top:.2em;width:22px;height:22px;border-radius:50%;background:var(--sun) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2314213D' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l5 5 9-10'/%3E%3C/svg%3E") center/14px no-repeat}
.app p{color:#E4E9F2}
.store-row{display:flex;gap:14px;flex-wrap:wrap;margin-top:26px}
.store{display:flex;align-items:center;gap:12px;min-height:62px;padding:10px 22px;border-radius:14px;background:#fff;color:var(--ink);text-decoration:none;font-family:"Nunito",sans-serif;font-weight:900;font-size:1.25rem;line-height:1.1}
.store svg{width:30px;height:30px;flex:none}
.store span{display:flex;flex-direction:column}
.store small{font-size:1rem;font-weight:700;letter-spacing:.02em;text-transform:uppercase;color:var(--ink-soft)}
.store:hover{background:var(--sun)}
.app-shot{display:flex;justify-content:center}
.phone{width:260px;aspect-ratio:9/17;border-radius:34px;background:linear-gradient(160deg,#1E2F55,#0B6E78);border:6px solid #fff;box-shadow:var(--shadow);display:flex;flex-direction:column;align-items:center;justify-content:center;gap:12px;text-align:center;padding:24px;color:#fff}
.phone-logo{width:72px;height:72px;border-radius:22px;background:var(--sun);display:grid;place-items:center}
.phone-logo svg{width:44px;height:44px}
.phone strong{font:900 1.3rem "Nunito",sans-serif}
.phone em{font-style:normal;color:#CFE6E4}
@media (max-width:900px){.phone{width:210px}}

.protect{background:var(--sun-soft)}
.protect .split-img .badge{background:var(--sea);max-width:250px}
.fineprint{font-size:1rem;color:var(--ink-soft);margin-top:18px;max-width:60ch}
.qp.alt-qp{background:var(--sea)}
.qp.alt-qp:hover{background:var(--sea-dark)}
.qp.alt-qp::after{color:var(--sun)}