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.btn{background:var(--lime);color:var(--ink);border-color:var(--lime);font-size:14px;flex-shrink:0}.tray-close{background:transparent;border:1px solid #6a8177;color:white;border-radius:8px;min-height:44px;min-width:44px;font-size:20px}.toast{position:fixed;z-index:50;bottom:110px;left:50%;transform:translateX(-50%);width:max-content;max-width:calc(100% - 30px);background:#fff;border:1px solid var(--line);color:var(--ink);border-radius:10px;box-shadow:var(--shadow);padding:14px 22px;font-size:15px;visibility:hidden}.toast.active{visibility:visible}body:has(.compare-tray:not([hidden])){padding-bottom:100px}
@media(min-width:1300px){.hero{padding-block:82px}.hero-grid{gap:85px}}
@media(max-width:1100px){.wrap{width:calc(100% - 48px)}.hero-grid{gap:35px}.main-nav a{padding:12px 8px}.category-grid{grid-template-columns:repeat(3,1fr)}.legend-grid{grid-template-columns:repeat(3,1fr)}.filterbar{grid-template-columns:1.5fr 1fr 1fr}.filterbar>.btn{grid-column:1/-1}.card-bottom{flex-direction:column;align-items:stretch}.card-bottom .text-link{justify-content:space-between}.card-bottom .add-compare{width:100%}.audit-layout{grid-template-columns:1.4fr 1fr;gap:20px}.audit-row{grid-template-columns:1fr;gap:12px}.footer-top{gap:30px}}
@media(max-width:900px){.header-inner{min-height:76px}.menu-btn{display:flex}.main-nav{display:none;position:absolute;left:24px;right:24px;top:76px;background:var(--paper);border:1px solid var(--line);border-radius:13px;padding:10px;box-shadow:var(--shadow);flex-direction:column;align-items:stretch}.main-nav.open{display:flex}.main-nav a{padding:13px 15px}.hero-grid{grid-template-columns:1fr;gap:42px}.hero-copy{max-width:730px}.hero h1{font-size:60px}.finder-panel{transform:none;max-width:620px}.finder-panel>*{transform:none}.metrics-inner{grid-template-columns:repeat(3,1fr)}.metrics .metric-note{grid-column:1/-1;padding:0;border:0}.task-grid,.product-grid,.insurer-grid,.contact-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.task-card:last-child{grid-column:1/-1}.section-heading{gap:25px}.section-heading p{max-width:300px}.detail-grid,.profile-layout,.reading-layout{grid-template-columns:1fr}.question-panel,.guide-aside{position:static}.audit-layout{grid-template-columns:1fr}.audit-result{position:static}.audit-row{grid-template-columns:1.6fr 1fr}.footer-top{grid-template-columns:1fr 1fr}.footer-note{grid-column:1/-1;max-width:500px}.comparison-controls>.field{min-width:100%}.comparison-controls{gap:12px}.compare-selects{gap:9px}.compare-selects select{font-size:14px}.filterbar{grid-template-columns:1fr 1fr}.filterbar>.field:first-child{grid-column:1/-1}.editorial-callout{gap:30px}.legend-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:600px){.wrap{width:calc(100% - 32px)}.header-inner{min-height:72px;gap:10px}.main-nav{top:72px;left:16px;right:16px}.brand-mark{width:40px;height:40px;font-size:24px}.brand{font-size:12px;gap:9px}.brand strong{font-size:15px}.hero{padding:46px 0}.hero h1{font-size:45px}.hero-copy>p{font-size:17px}.hero-proof{gap:10px;font-size:11px}.hero-actions{flex-direction:column;align-items:stretch}.finder-panel{padding:23px}.finder-label{flex-wrap:wrap}.metrics-inner{gap:18px;grid-template-columns:1fr 1fr;padding:22px 0}.metrics-inner>div{gap:12px}.metrics b{font-size:31px}.metrics span{font-size:13px;max-width:130px}.metrics .metric-note{grid-column:auto;font-size:12px}.metrics .metric-note br{display:none}.section{padding:48px 0}.section-heading{display:block}.section-heading p{margin-top:20px;max-width:none}.section-heading .text-link{margin-top:10px}.task-grid,.product-grid,.insurer-grid,.contact-grid,.glossary-grid,.category-grid,.editorial-callout,.two{grid-template-columns:1fr}.task-card:last-child{grid-column:auto}.task-card{padding:25px}.task-card>span{margin-bottom:24px}.category-grid{gap:0}.category-card{min-height:0;padding:22px 0;display:grid;grid-template-columns:44px 1fr;gap:4px 10px}.category-card h3{margin:0 0 7px}.category-card p,.category-card>span:last-child{grid-column:2}.page-intro{padding-top:20px;padding-bottom:22px}.crumbs{margin-bottom:30px;font-size:12px}.page-intro h1{font-size:36px}.lead{font-size:17px}.filterbar{padding:16px;gap:15px}.filterbar>.field{grid-column:1/-1}.results-heading{flex-direction:column;align-items:flex-start;gap:8px}.card-bottom{flex-direction:row;align-items:center}.card-bottom .add-compare{width:auto}.compare-selects{grid-template-columns:1fr}.compare-selects label{font-size:13px}.comparison-controls>.btn{font-size:14px;padding:11px;flex:1}.comparison-controls .toggle{width:100%}.comparison{min-width:640px}.comparison th,.comparison td{padding:16px 12px}.legend-grid{grid-template-columns:1fr}.legend-grid p{margin-bottom:10px}.audit-toolbar{align-items:stretch;flex-direction:column;gap:15px}.audit-toolbar>.field{min-width:0;width:100%;max-width:none}.audit-row{padding:17px;grid-template-columns:1fr}.audit-result{padding:23px}.audit-important small{font-size:14px}.audit-counts b{font-size:29px}.offer-grid,.scenario-inputs{grid-template-columns:1fr}.scenario-inputs{gap:16px}.cost-result{padding:23px}.cost-totals{grid-template-columns:1fr;gap:14px}.cost-totals>div{padding:19px}.segmented button{padding:9px 12px}.scenarios th,.scenarios td{padding:10px;font-size:13px}.feature-list>div{align-items:flex-start;gap:14px}.feature-list dt{font-size:15px}.feature-list dd{max-width:56%}.profile-facts{grid-template-columns:1fr;gap:5px}.profile-facts dd{margin-bottom:13px}.method-definitions{grid-template-columns:1fr;gap:7px}.method-definitions dd{margin-bottom:13px}.prose{font-size:16px}.question-list>article{gap:15px}.footer-top{grid-template-columns:1fr;gap:30px}.footer-note{grid-column:auto}.footer-top nav{grid-template-columns:1fr 1fr}.footer-bottom{font-size:12px}.compare-tray{gap:10px;padding:12px}.compare-tray>div{flex-basis:100%}.compare-tray small{display:none}.compare-tray b{font-size:13px}.compare-tray .btn{padding:10px;font-size:13px;min-height:44px}.tray-close{min-width:34px}.toast{bottom:100px}.editorial-callout h2{font-size:33px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{transition:none!important;animation:none!important;transform:none!important}.compare-tray,.toast{left:14px!important;width:calc(100% - 28px);max-width:none}}
@media print{.site-header,.site-footer,.compare-tray,.toast,.skip,.audit-toolbar,.audit-row,.btn,.text-button,.actions,.comparison-controls,.compare-selects{display:none!important}body{background:white;color:black;font-size:12pt}.wrap{width:100%;max-width:100%}.section,.page-intro{padding:10px 0}.audit-layout{display:block}.audit-result,.cost-result{position:static;background:white;color:black;border:1px solid #888;padding:15px}.audit-result p,.audit-result li,.audit-counts span,.audit-counts b,.cost-result *{color:black!important}.page-intro h1{font-size:25pt}.crumbs{display:none}.audit-result{break-inside:avoid}.table-scroll{overflow:visible}.comparison{min-width:0;font-size:10pt}#audit-questions{display:block}}
.offer-grid>fieldset{min-width:0;margin:0;background:#fff;border:1px solid var(--line);border-radius:16px;padding:24px}.offer-grid legend{padding:0 8px;font-size:20px;font-weight:700}.offer-grid .scenario-inputs{grid-column:1/-1;margin:0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}.cost-totals>article{background:#29454d;border:1px solid #547078;border-radius:13px;padding:23px}.audit-result .eyebrow,.cost-result .eyebrow{color:#daf48c}.audit-result .small-note{color:#d8e5e1}.audit-result .btn.light{margin:10px 0 18px}.cost-result .table-scroll{margin-top:25px}.scenarios{margin-top:0}.scenarios caption{padding:12px;text-align:left;font-weight:650;background:#edf2e6}.review-date{display:block;margin-top:10px}.audit-result .btn.light:hover{background:#daf48c;color:#172f38}.feature-list>div{min-width:0}.cost-result .cost-head>span{color:#d8e5e1;font-size:14px}@media(max-width:600px){.offer-grid .scenario-inputs{grid-template-columns:1fr;gap:14px}.offer-grid>fieldset{padding:20px}.cost-totals>article{padding:19px}}

.task-card{text-decoration:none}.large-quote{font-family:Georgia,serif;font-size:120px;line-height:.85;color:#a4b974}.audit-result .btn.light{color:#172f38;background:#fff}.audit-result .btn.light:hover{background:#daf48c;color:#172f38}


/* product-20260925-v3: simpler entry flow + denser practical content */
.simple-hero .hero-copy>p{max-width:690px}
.choice-panel{padding:26px}
.goal-list{display:grid;gap:10px;margin-top:14px}
.goal-list>a{display:grid;grid-template-columns:auto minmax(0,1fr) auto;gap:14px;align-items:center;padding:16px;border:1px solid #d5dfd8;border-radius:12px;background:#fff;text-decoration:none;transition:transform .15s ease,border-color .15s ease,box-shadow .15s ease}
.goal-list>a:hover{transform:translateY(-2px);border-color:#a9b9ad;box-shadow:0 10px 26px rgba(23,47,56,.08)}
.goal-list b{display:block;font-size:16px}
.goal-list div span{display:block;color:var(--muted);font-size:13px;margin-top:2px}
.goal-icon{display:grid;place-items:center;width:34px;height:34px;border-radius:9px;background:var(--sage);font-weight:800}
.plain-cards{grid-template-columns:repeat(4,minmax(0,1fr))}
.plain-cards .task-card{min-height:220px}
.quick-summary{padding-top:28px;padding-bottom:10px}
.quick-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}
.quick-grid>article{background:#fff;border:1px solid var(--line);border-radius:14px;padding:20px}
.quick-grid>article>span{display:block;font-size:11px;letter-spacing:.1em;font-weight:800;color:#60745d;text-transform:uppercase;margin-bottom:9px}
.quick-grid b{display:block;font-size:17px;line-height:1.45}
.quick-grid p{font-size:14px;color:var(--muted);margin:9px 0 0}
.start-shell{max-width:980px}
.start-step{display:grid;grid-template-columns:42px minmax(0,1fr);gap:18px;align-items:start;padding:26px 0;border-bottom:1px solid var(--line)}
.start-step h2{margin:0 0 16px;font-size:28px}
.goal-buttons,.start-categories{display:flex;flex-wrap:wrap;gap:9px}
.goal-buttons a,.start-categories a{min-height:46px;border:1px solid var(--line);border-radius:10px;background:#fff;padding:10px 14px;font:inherit;font-weight:650;color:var(--ink);cursor:pointer}
.goal-buttons a:hover,.start-categories a:hover{border-color:#9bac9d}
.goal-buttons a[aria-pressed=true],.start-categories a[aria-pressed=true]{background:var(--navy);border-color:var(--navy);color:#fff}
.start-categories a span{font-size:11px;opacity:.7;margin-right:6px}
.start-result{margin-top:28px}
.start-result-copy{background:var(--sage);border:1px solid #d6dfcf;border-radius:18px;padding:28px}
.start-result-copy h2{font-size:31px;margin:8px 0 10px}
.start-result-copy>p{max-width:720px}
.start-result-copy ol{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;list-style:none;padding:0;margin:24px 0}
.start-result-copy li{background:#fff;border:1px solid #d5ded1;border-radius:12px;padding:16px}
.start-result-copy li b{display:block;margin-bottom:7px}
.start-result-copy li span{display:block;color:var(--muted);font-size:14px;line-height:1.55}
.start-result-copy .small-note{font-size:13px;color:#57675a;margin:16px 0 0}
@media(max-width:900px){.plain-cards{grid-template-columns:repeat(2,minmax(0,1fr))}.quick-grid{grid-template-columns:1fr}.start-result-copy ol{grid-template-columns:1fr}}
@media(max-width:600px){.goal-list>a{padding:14px 13px}.goal-list b{font-size:15px}.plain-cards{grid-template-columns:1fr}.plain-cards .task-card{min-height:0}.start-step{grid-template-columns:1fr;gap:8px;padding:22px 0}.start-step>.step-number{padding-top:0}.start-step h2{font-size:24px}.goal-buttons,.start-categories{display:grid;grid-template-columns:1fr}.goal-buttons a,.start-categories a{text-align:left;width:100%}.start-result-copy{padding:20px}.start-result-copy h2{font-size:26px}.quick-grid>article{padding:17px}}

.goal-buttons a,.start-categories a{text-decoration:none;display:inline-flex;align-items:center}