:root{--emerald:#063b2e;--dark:#032b22;--green:#075b40;--gold:#e7bd59;--paper:#f8faf8;--ink:#123b30;--muted:#52655d;--line:#ced8d1;--radius:20px;color-scheme:light}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:100px}body{margin:0;background:var(--paper);color:var(--ink);font:400 16px/1.6 Arial,Helvetica,sans-serif}h1,h2,h3,p,figure{margin:0}h1,h2,h3{line-height:1.05}a{color:inherit;text-underline-offset:4px}img{display:block;max-width:100%;height:auto}button,input,select{font:inherit}button,a,input,select{-webkit-tap-highlight-color:transparent}button,a{touch-action:manipulation}button{cursor:pointer}button:focus-visible,a:focus-visible,input:focus-visible,select:focus-visible{outline:3px solid #a76800;outline-offset:5px}.hero a:focus-visible,.nav a:focus-visible,.nav button:focus-visible{outline-color:var(--gold)}.wrap{width:min(1240px,calc(100% - 80px));margin-inline:auto}.eyebrow{text-transform:uppercase;font-size:.875rem;letter-spacing:.09em;font-weight:700}.skip-link{position:fixed;left:16px;top:-100px;z-index:200;padding:12px 20px;background:white;color:var(--emerald)}.skip-link:focus{top:12px}
.nav{background:var(--emerald);color:white;position:sticky;top:0;z-index:30;border-bottom:1px solid #ffffff25}.nav-inner{min-height:88px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{text-decoration:none;font-size:1.8rem;font-weight:800;letter-spacing:-.075em;line-height:1}.brand span{color:var(--gold)}#site-menu{display:flex;gap:32px;align-items:center}#site-menu a{text-decoration:none;font-size:.9rem;font-weight:600}#site-menu a:hover{text-decoration:underline}.nav-cta{display:flex;gap:36px;align-items:center;background:var(--gold);color:var(--emerald);padding:12px 22px;border-radius:99px}.nav-cta span{font-size:1.4rem}.menu-toggle{display:none;background:var(--gold);color:var(--emerald);border:0;border-radius:30px;padding:10px 18px;font-weight:700}
.hero{background:var(--emerald);color:#fff;padding-top:60px}.hero-grid{display:grid;grid-template-columns:1.4fr 1fr;gap:48px;align-items:center}.hero-copy .eyebrow{color:#dfebdf;margin-bottom:26px}.hero h1{font-size:clamp(4rem,7.5vw,7.6rem);line-height:.94;letter-spacing:-.07em;font-weight:900}.hero h1 span{color:var(--gold)}.hero-bottom{display:flex;gap:28px;align-items:center;justify-content:space-between;margin-top:34px}.hero-bottom p{font-size:1.125rem;line-height:1.6;color:#dce8df}.hero-bottom strong{color:white;font-weight:500}.round-cta{display:flex;flex-direction:column;align-items:center;justify-content:center;width:142px;min-height:142px;border-radius:50%;background:var(--gold);color:var(--dark);text-align:center;text-decoration:none;font-size:.875rem;line-height:1.35;font-weight:700;flex-shrink:0;transform:rotate(-8deg);transition:transform .2s,background .2s}.round-cta>span:last-child{font-size:1.8rem}.round-cta:hover{transform:rotate(0);background:#f2cf7c}.hero-portrait{position:relative;border-radius:160px 160px 20px 20px;overflow:hidden;background:#154b3b;align-self:stretch;min-height:480px;max-height:620px}.hero-portrait img{width:100%;height:100%;object-fit:cover;object-position:center 47%}.hero-portrait figcaption{position:absolute;inset:auto 0 0;padding:100px 28px 28px;background:linear-gradient(transparent,#032b22f5);display:grid;gap:3px;color:white}.hero-portrait figcaption>span{font-size:.875rem}.hero-portrait strong{font-size:1.7rem;letter-spacing:-.03em}.hero-portrait figcaption a{color:var(--gold);margin-top:6px;font-size:.9rem}.hero-foot{display:flex;gap:24px;justify-content:space-between;padding-block:34px;font-size:.875rem;color:#dce8df}.topic-band{display:flex;justify-content:space-around;align-items:center;gap:26px;overflow:hidden;padding:22px 32px;background:var(--gold);color:var(--dark);font-size:clamp(.9rem,1.55vw,1.4rem);font-weight:800;letter-spacing:-.02em;border-bottom:1px solid var(--emerald)}.topic-band span{flex-shrink:0}.topic-band span[aria-hidden]{font-size:1.8rem}
.approach{padding-block:100px}.section-heading{display:grid;grid-template-columns:1fr 1fr;gap:24px 60px;align-items:end}.section-heading>.eyebrow{grid-column:1/-1}.section-heading h2{font-size:clamp(2.4rem,4.1vw,4rem);font-weight:900;letter-spacing:-.055em}.section-heading em{font-style:normal;color:var(--green)}.section-heading p{max-width:390px;justify-self:end;color:var(--muted);font-size:1.05rem}.service-list{margin-top:52px;border-top:1px solid var(--line)}.service-row{display:grid;grid-template-columns:40px 1fr 1fr 56px;gap:24px;align-items:center;border-bottom:1px solid var(--line);padding:32px 0;text-decoration:none;transition:background .2s,padding .2s}.service-row:hover{background:#e9f0e9;padding-inline:18px}.service-number{font-size:.875rem;color:var(--muted)}.service-row h3{font-size:clamp(2rem,3.5vw,3.3rem);letter-spacing:-.05em}.service-row p{font-weight:700}.service-row p span{font-weight:400;color:var(--muted);font-size:.9375rem;display:inline-block;max-width:340px;margin-top:6px}.service-arrow{width:50px;height:50px;border:1px solid var(--green);border-radius:50%;display:grid;place-items:center;font-size:1.5rem}.personal-note{margin-top:80px;display:grid;grid-template-columns:1fr 2fr;gap:60px;align-items:center}.personal-note>img{width:100%;height:300px;object-fit:cover;object-position:center 60%;border-radius:18px}.personal-note p{font-size:clamp(1.5rem,2.6vw,2.5rem);line-height:1.3;letter-spacing:-.04em;font-weight:600;margin-top:20px}.signature{display:block;margin-top:24px;font-family:Georgia,serif;font-size:1.35rem;font-style:italic}
.calc-wrap{background:#e9f0e9;padding-block:90px}.calc-bento{display:grid;grid-template-columns:.9fr 1.3fr;gap:70px;align-items:start}.calc-intro{position:sticky;top:120px}.calc-intro-card h2{font-size:clamp(2.5rem,4vw,3.9rem);letter-spacing:-.055em;margin-top:24px;white-space:pre-line}.calc-intro-card p{margin-top:24px;color:var(--muted)}.calc-intro-card>p{font-size:.875rem;border-top:1px solid #bacabe;padding-top:24px}.calc-mini-grid{display:grid;grid-template-columns:repeat(3,1fr);margin-top:28px}.calc-mini strong{display:block;font-size:1.5rem;color:var(--green)}.calc-mini span{font-size:.875rem;color:var(--muted)}.calc{background:white;border:1px solid #bacabe;border-radius:20px;overflow:hidden}.calc-head{padding:28px 32px;border-bottom:1px solid var(--line)}.calc-head h3{font-size:1.35rem;letter-spacing:-.025em}.calc-head p{font-size:.9375rem;color:var(--muted);margin-top:10px}.calc-body{padding:28px 32px}.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;align-items:end}.calc-grid label,form label{font-size:.875rem;font-weight:600;display:block;margin-bottom:8px}input:not([type=checkbox]):not([type=hidden]),select{width:100%;padding:13px 14px;color:var(--ink);background:#fcfdfb;border:1px solid #839b8b;border-radius:8px;min-height:50px}input::placeholder{color:#607266;opacity:1}.calc-btn,form button{width:100%;border:0;border-radius:50px;background:var(--emerald);color:white;font-weight:700;padding:16px 20px;margin-top:24px;min-height:54px;transition:background .2s}.calc-btn:hover{background:var(--green)}.legal-box{font-size:.875rem;color:#455d50;line-height:1.7;border-top:1px solid var(--line);padding-top:20px;margin-top:24px}.legal-box strong{color:var(--ink)}.calc-result{display:none;margin-top:24px;background:#eef4ed;padding:24px;border-radius:12px}.calc-result.show{display:block}.calc-result .big{font-size:clamp(1.8rem,4vw,3.2rem);line-height:1.2;letter-spacing:-.05em;font-weight:800;margin-block:10px;overflow-wrap:anywhere}.calc-result .lbl,.calc-result .detail{font-size:.875rem}.calc-result .r-btns{display:flex;flex-wrap:wrap;gap:12px;margin-top:20px}.calc-result a{border-radius:30px;background:var(--emerald);color:white;padding:12px 18px;text-decoration:none;font-weight:700;font-size:.875rem}.calc-result a:last-child{background:var(--gold);color:var(--ink)}.breakdown{margin:24px 0 0;display:grid;gap:10px}.bar-row{display:grid;grid-template-columns:1fr auto;gap:4px 12px;font-size:.875rem}.bar-track{grid-column:1/-1;background:#d7e1d6;height:8px;border-radius:8px;overflow:hidden}.bar-fill{display:block;background:var(--green);height:100%}.bar-row:last-child .bar-fill{background:#9b6a00}.calc-error{color:#942a1c;font-weight:600;margin-top:20px}
.lead{background:var(--emerald);color:white;padding-block:100px}.lead-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:72px;align-items:start}.lead-media{position:sticky;top:120px;overflow:hidden;border-radius:160px 160px 18px 18px;height:650px}.lead-media picture,.lead-media img{height:100%;width:100%;object-fit:cover}.tag-badge{position:absolute;bottom:24px;left:24px;background:var(--gold);color:var(--dark);font-size:.875rem;font-weight:700;padding:8px 18px;border-radius:30px}.lead-copy>.eyebrow{color:var(--gold)}.lead-copy h2{white-space:pre-line;font-size:clamp(2.5rem,4.5vw,4.5rem);letter-spacing:-.06em;margin-top:22px}.lead-copy>p{color:#dce8df;margin-top:20px}form{margin-top:30px}form>label{color:#fff;margin-top:18px}form input,form select{color:var(--ink)}.consent{display:grid;grid-template-columns:20px 1fr;gap:12px;margin-top:20px;align-items:start}.consent input{width:19px;height:19px;margin:3px 0 0;accent-color:var(--gold)}.consent label{font-size:.875rem;line-height:1.6;font-weight:400;color:#e3ebe4}.consent a{color:var(--gold)}form button{background:var(--gold);color:var(--dark)}form button:hover{background:#f2cf7c}.note{font-size:.875rem;color:#dce8df;margin-top:16px}.lead-copy>.legal-box{color:#dce8df;border-color:#779687}.lead-copy>.legal-box strong{color:var(--gold)}
footer{background:var(--dark);color:#dce8df;padding:60px 0 42px;font-size:.875rem}footer .wrap{max-width:1240px}footer a{color:var(--gold);text-decoration:underline}.footer-wordmark{font-weight:900;font-size:clamp(2.6rem,8vw,7.8rem);line-height:1;letter-spacing:-.07em;color:var(--gold);padding-bottom:40px;border-bottom:1px solid #668779;margin-bottom:32px}.copyright{margin-top:12px;color:#dce8df}.footer-disclosure{font-size:.875rem;margin-top:22px;max-width:900px;color:#c7dacd}.cookie-banner{position:fixed;z-index:50;left:20px;right:20px;bottom:20px;max-width:900px;margin:auto;display:none;gap:24px;align-items:center;background:white;color:var(--ink);border:1px solid #93aa9b;border-radius:16px;padding:20px;box-shadow:0 8px 40px #032b2240}.cookie-banner.show{display:flex}.cookie-banner p{font-size:.875rem;flex:1}.cookie-banner a{color:var(--green)}.cookie-actions{display:flex;gap:8px;flex-wrap:wrap}.cookie-actions button{border:1px solid var(--green);border-radius:30px;padding:12px 18px;font-size:.875rem;font-weight:700;min-height:46px}.cookie-accept{background:var(--emerald);color:white}.cookie-reject{background:white;color:var(--emerald)}.mobile-cta-bar{display:none}
@media(min-width:1500px){.hero-grid{gap:90px}.hero h1{font-size:7.6rem}}
@media(max-width:1000px){.wrap{width:calc(100% - 48px)}.hero-grid{gap:26px;grid-template-columns:1.3fr 1fr}.hero h1{font-size:7.4vw}.hero-portrait{min-height:450px}.hero-bottom{gap:15px}.round-cta{width:115px;min-height:115px;font-size:.8rem}.hero-bottom p{font-size:1rem}.calc-bento,.lead-grid{gap:32px}.service-row{grid-template-columns:30px 1fr 1fr 48px;gap:18px}.personal-note{gap:32px}.calc-body,.calc-head{padding:24px}.lead-media{height:570px}.calc-grid{grid-template-columns:1fr}}
@media(max-width:700px){html{scroll-padding-top:84px}.wrap{width:calc(100% - 40px)}.nav-inner{min-height:74px}.brand{font-size:1.5rem}.menu-toggle{display:block}#site-menu{gap:12px}#site-menu a{font-size:.875rem}html.js #site-menu{display:none;position:absolute;top:74px;left:0;right:0;padding:20px;background:var(--dark);flex-direction:column;align-items:stretch}html.js #site-menu.open{display:flex}#site-menu a{padding:10px}.hero{padding-top:38px}.hero-grid{grid-template-columns:1fr;gap:36px}.hero-copy .eyebrow{font-size:.75rem;letter-spacing:.065em}.hero h1{font-size:clamp(3.7rem,12.6vw,5.7rem);letter-spacing:-.065em}.hero-bottom{margin-top:26px;justify-content:space-between}.round-cta{width:118px;min-height:118px}.hero-portrait{min-height:0;height:430px;max-width:430px;width:100%;justify-self:center;border-radius:130px 130px 16px 16px}.hero-portrait img{object-position:center 43%}.hero-foot{font-size:.8rem;flex-direction:column;gap:10px;padding-block:24px}.topic-band{flex-wrap:wrap;gap:12px 18px;padding:16px;font-size:.8rem}.topic-band span[aria-hidden]{font-size:1rem}.approach{padding-block:60px}.section-heading{grid-template-columns:1fr;gap:20px}.section-heading h2{font-size:clamp(2rem,7.3vw,3rem)}.section-heading p{justify-self:start}.service-list{margin-top:30px}.service-row{grid-template-columns:26px 1fr 46px;gap:10px;padding-block:26px}.service-row h3{font-size:2.35rem}.service-row p{grid-column:2;grid-row:2}.service-arrow{grid-column:3;grid-row:1;width:42px;height:42px}.service-row:hover{padding-inline:8px}.personal-note{margin-top:48px;gap:24px;grid-template-columns:1fr}.personal-note>img{height:270px}.personal-note p{font-size:1.7rem}.calc-wrap{padding-block:60px}.calc-bento{grid-template-columns:1fr;gap:30px}.calc-intro{position:static}.calc-intro-card h2{font-size:2.6rem}.calc-body,.calc-head{padding:22px}.calc-mini-grid{gap:16px}.calc-grid{gap:18px}.lead{padding-block:60px}.lead-grid{grid-template-columns:1fr}.lead-media{position:relative;top:auto;height:300px;border-radius:20px;order:2}.lead-media img{object-position:center 55%}.lead-copy h2{font-size:3rem}.lead-copy{min-width:0}.cookie-banner{left:10px;right:10px;bottom:76px;padding:16px;flex-direction:column;align-items:stretch;gap:14px}.cookie-actions{justify-content:flex-end}.mobile-cta-bar{position:fixed;bottom:0;inset-inline:0;z-index:40;display:grid;grid-template-columns:1.3fr 1fr;gap:1px;background:var(--emerald);padding-bottom:env(safe-area-inset-bottom)}.mobile-cta-bar a{padding:16px 10px;text-align:center;background:var(--gold);color:var(--dark);font-weight:700;font-size:.875rem;text-decoration:none}.mobile-cta-bar a:last-child{background:var(--emerald);color:white}footer{padding-bottom:100px}.footer-wordmark{font-size:9.1vw}.calc-result{padding:18px}}
@media(max-width:380px){.wrap{width:calc(100% - 32px)}.hero h1{font-size:12.2vw}.hero-bottom p{font-size:.9rem}.round-cta{width:108px;min-height:108px}.topic-band{gap:9px;font-size:.72rem}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{animation:none!important;transition:none!important}}
input.calc-slider{min-height:28px;height:28px;padding:0;border:0;accent-color:var(--green);background:transparent;margin-top:8px}
html:not(.js) .menu-toggle{display:none}html:not(.js) .nav-inner{flex-wrap:wrap;padding-block:18px}
@media print{.nav,.cookie-banner,.mobile-cta-bar,.round-cta{display:none!important}body,section,.hero,.lead,footer{background:white!important;color:black!important}.hero h1 span,.lead-copy h2,.lead-copy p,footer a{color:black}.hero-portrait,.lead-media{display:none}.hero-grid,.lead-grid,.calc-bento{display:block}.wrap{width:100%}.calc-intro{position:static}}

/* Coverage guide and full-image framing */
.coverage-section{padding-top:90px}.coverage-jump{display:flex;flex-wrap:wrap;gap:10px;margin:30px 0}.coverage-jump a{border:1px solid var(--green);border-radius:30px;padding:10px 18px;min-height:46px;text-decoration:none;font-weight:700;font-size:.875rem}.coverage-jump a:hover{background:var(--emerald);color:white}.coverage-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px;align-items:start}.coverage-card{border:1px solid var(--line);border-radius:20px;padding:34px;background:#fff;min-width:0;scroll-margin-top:110px}.coverage-card:nth-child(2),.coverage-card:nth-child(3){background:#edf3ed}.coverage-card h3{font-size:clamp(2.3rem,4vw,3.8rem);letter-spacing:-.045em;margin:22px 0}.coverage-card em{font-style:normal;color:var(--green)}.coverage-card>.eyebrow{display:block;line-height:1.6}.coverage-card>p{margin-top:16px}.coverage-hook{font-size:1.2rem;font-weight:700;line-height:1.4}.coverage-scenario{margin:24px 0;padding:20px;border-left:3px solid #9b6a00;background:#f9f5e9}.coverage-scenario strong{display:block;font-size:.875rem;text-transform:uppercase;letter-spacing:.05em;margin-bottom:8px}.coverage-card details{border-block:1px solid var(--line);padding:8px 0;margin-bottom:22px}.coverage-card summary,.coverage-sources summary{cursor:pointer;font-weight:700;padding:14px 0;min-height:48px}.coverage-card details p,.coverage-card li{margin-bottom:12px}.coverage-card ul{padding-left:22px}.coverage-cta{display:inline-flex;align-items:center;min-height:48px;padding:12px 20px;border-radius:30px;background:var(--emerald);color:white;font-size:.9375rem;font-weight:700;text-decoration:none}.coverage-takeaway{margin-top:30px;padding:30px;background:var(--emerald);border-radius:18px;color:white}.coverage-takeaway h3{font-size:1.6rem;line-height:1.3}.coverage-takeaway p{margin:14px 0}.coverage-takeaway a{color:var(--gold);display:inline-block;padding-block:8px;font-weight:700}.coverage-sources{margin-top:22px;font-size:.875rem;color:var(--muted)}.coverage-sources p{margin-bottom:16px}.coverage-sources a{color:var(--green)}
.hero-portrait{align-self:start;border-radius:20px;min-height:0;max-height:none;height:auto;overflow:hidden}.hero-portrait img{width:100%;height:auto;object-fit:contain}.hero-portrait figcaption{position:static;padding:20px 24px;background:var(--dark)}.personal-note{grid-template-columns:minmax(0,320px) 1fr}.personal-note>img{width:100%;height:auto;object-fit:contain}.lead-media{height:auto;min-height:0;border-radius:20px;position:static}.lead-media picture{display:block;height:auto}.lead-media img{height:auto;width:100%;object-fit:contain}.lead-media .tag-badge{position:static;display:block;border-radius:0;margin:0;padding:16px 20px}
@media(max-width:700px){.coverage-section{padding-top:56px}.coverage-grid{grid-template-columns:minmax(0,1fr);gap:20px}.coverage-card{padding:24px 20px;scroll-margin-top:90px}.coverage-card h3{font-size:2.8rem}.coverage-card p,.coverage-card li{font-size:1rem}.coverage-jump{gap:8px}.coverage-jump a{padding:10px 14px}.coverage-takeaway{padding:24px 20px}.hero-portrait{height:auto;min-height:0;max-height:none;max-width:360px;border-radius:18px}.personal-note{grid-template-columns:1fr}.personal-note>img{height:auto;width:min(100%,340px);justify-self:center}.lead-media{height:auto;width:min(100%,360px);justify-self:center}.lead-media img{height:auto}.coverage-cta{width:100%;justify-content:center;text-align:center}.hero-grid,.lead-grid,.calc-bento,.section-heading{min-width:0}}

/* Scroll storytelling edition */
:root{--emerald:#063b2e;--gold:#e7bd59;--radius:4px}
.hero{padding-top:48px;overflow:clip}.hero-grid{grid-template-columns:minmax(0,1.45fr) minmax(0,.8fr);gap:64px;align-items:center}.hero h1{font-size:clamp(3.5rem,7.7vw,7rem);line-height:1;letter-spacing:-.065em}.hero-portrait{border-radius:0;max-width:370px;justify-self:end;border:1px solid #b9c8bc50}.hero-portrait figcaption{padding:16px 20px}.hero-foot{border-top:1px solid #ffffff38;margin-top:40px}.round-cta{transform:none;border-radius:0;width:154px;min-height:110px}.topic-band{background:var(--emerald);color:var(--gold);border-top:1px solid #ffffff38;border-bottom:1px solid #ffffff38;padding-block:18px}
.income-story{background:var(--gold);color:var(--dark);padding:100px 0}.story-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:64px}.story-heading{position:sticky;top:120px;align-self:start}.story-heading h2{font-size:clamp(2.6rem,4.5vw,4.4rem);letter-spacing:-.055em;margin:28px 0;line-height:1.04}.story-heading em{font-style:normal}.story-heading>p:not(.eyebrow){max-width:380px}.story-heading>a{display:inline-block;margin-top:24px;font-weight:700}.story-items{border-left:1px solid #063b2e66;padding-left:48px}.story-items article{min-height:340px;border-top:1px solid #063b2e66;padding:32px 0 60px;display:flex;flex-direction:column;justify-content:center}.story-items article>span{font-size:.875rem;text-transform:uppercase;letter-spacing:.07em}.story-items h3{font-size:clamp(2.4rem,4.3vw,4.1rem);letter-spacing:-.055em;margin:24px 0}.story-items p{max-width:340px}
.approach{padding-block:90px}.service-row:hover{padding-inline:0}.service-arrow{border-radius:0}.coverage-section{padding-top:110px}.coverage-scroll{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:70px;align-items:start}.coverage-sidebar{position:sticky;top:120px}.coverage-sidebar .section-heading{display:block}.coverage-sidebar h2{font-size:clamp(2.1rem,3.5vw,3.3rem);margin:24px 0}.coverage-sidebar .section-heading p{max-width:370px;font-size:1rem}.coverage-jump{gap:8px}.coverage-jump a{border-radius:0;padding:9px 13px}.coverage-jump a[aria-current="true"]{background:var(--emerald);color:white}.coverage-grid{display:block;border-left:1px solid var(--line);padding-left:36px}.coverage-card,.coverage-card:nth-child(2),.coverage-card:nth-child(3){border:0;border-top:1px solid var(--green);border-radius:0;background:transparent;padding:36px 0 60px;margin-bottom:45px}.coverage-card h3{font-size:clamp(3rem,5vw,4.6rem)}.coverage-card em{color:var(--green)}.coverage-scenario{background:#edf2e9}.coverage-cta{border-radius:0}.coverage-takeaway{border-radius:0}.personal-note>img,.lead-media,.calc{border-radius:0}.calc-wrap{border-block:1px solid #bacabe}.calc-btn,form button{border-radius:4px}.lead-media{max-width:370px}.lead-grid{align-items:center}.lead-copy h2{line-height:1.08}
.scroll-reveal{opacity:1;transform:none}
@media(prefers-reduced-motion:no-preference){.motion-ready .scroll-reveal{opacity:.35;transform:translateY(28px);transition:opacity .65s ease,transform .65s ease}.motion-ready .scroll-reveal.is-visible{opacity:1;transform:none}}
@media(min-width:701px) and (max-width:1050px){.hero-grid{gap:30px}.coverage-scroll{gap:30px}.coverage-grid{padding-left:24px}.story-grid{gap:30px}.story-items{padding-left:25px}}
@media(max-width:700px){.hero{padding-top:32px}.hero-grid{grid-template-columns:1fr;gap:30px}.hero h1{font-size:clamp(2.9rem,12.3vw,5.4rem)}.hero-portrait{justify-self:center;width:min(100%,340px)}.hero-bottom{align-items:center}.round-cta{width:130px;min-height:100px}.hero-foot{margin-top:26px}.topic-band{font-size:.875rem;justify-content:center}.topic-band span:last-child{flex-basis:100%;text-align:center}.topic-band span:nth-child(4){display:none}.income-story{padding:60px 0}.story-grid{grid-template-columns:1fr;gap:36px}.story-heading{position:static}.story-heading h2{font-size:clamp(2.3rem,9.5vw,4rem)}.story-heading h2 br:nth-of-type(3){display:none}.story-items{padding-left:20px}.story-items article{min-height:240px;padding:26px 0 36px}.story-items h3{font-size:2.65rem}.coverage-section{padding-top:65px}.coverage-scroll{grid-template-columns:1fr;gap:20px}.coverage-sidebar{position:static}.coverage-sidebar h2{font-size:2.45rem}.coverage-grid{border-left:0;padding-left:0}.coverage-card{padding:28px 0 36px;margin-bottom:20px}.coverage-card h3{font-size:3.2rem}.coverage-jump a{flex-grow:1;text-align:center}.coverage-scenario{padding:18px}.coverage-cta{width:100%}.approach{padding-block:60px}.lead-copy h2{font-size:2.6rem}.calc-intro-card h2{font-size:2.5rem}.wrap{width:calc(100% - 40px)}.hero-copy .eyebrow{font-size:.875rem;letter-spacing:0}.footer-wordmark{font-size:9vw}}
@media(prefers-reduced-motion:reduce){.scroll-reveal{opacity:1!important;transform:none!important}}

.field-hint{font-size:.875rem;line-height:1.5;color:var(--muted);margin-top:8px}.quadrants{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:var(--line);border:1px solid var(--line);margin:24px 0}.quadrant{padding:20px;background:white;min-width:0}.quadrant:nth-child(2),.quadrant:nth-child(3){background:#e6efe6}.quadrant h4{font-size:1rem;margin:0 0 12px}.quadrant strong{display:block;font-size:1.7rem;overflow-wrap:anywhere;line-height:1.2}.quadrant p{font-size:.875rem;margin-top:10px}.health-notes{padding-left:20px}.health-notes li{margin:12px 0}.calc-result h4{line-height:1.3}.calc-result:focus{outline:2px solid var(--green);outline-offset:4px}.calc-grid{align-items:start}.calc-body details summary{cursor:pointer;font-weight:700}.calc-body details p{margin-top:14px}@media(max-width:420px){.quadrant{padding:14px 10px}.quadrant strong{font-size:1.35rem}.quadrant h4{font-size:.9rem}.calc-body{padding:18px}.calc-head h3{font-size:1.35rem}}
/* Full benefit names: preserve readable wrapping */
#tpd h3{font-size:clamp(2rem,3.7vw,3.3rem);line-height:1.12;letter-spacing:-.045em}.coverage-jump a{white-space:normal;max-width:100%}.coverage-cta{white-space:normal}.topic-band{flex-wrap:wrap}.topic-band span{white-space:normal;text-align:center}@media(max-width:700px){#tpd h3{font-size:clamp(2rem,8.5vw,3rem)}.coverage-jump a[href="#tpd"]{flex-basis:100%}.topic-band{font-size:.875rem}}
/* Display preferences and bilingual layouts */
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.nav-inner{display:grid;grid-template-columns:1fr auto auto;gap:20px}.site-preferences{display:flex;gap:8px;align-items:center;justify-content:flex-end}.site-preferences label{margin:0}.site-preferences select{width:auto;min-height:44px;padding:8px 26px 8px 12px;border-radius:6px;font-size:.875rem;font-weight:600}.nav #site-menu{gap:20px}.nav .nav-cta{gap:12px}.eyebrow{text-transform:capitalize;letter-spacing:.025em}h1,h2,h3,h4,summary,.coverage-jump a,.service-row h3,.nav a,.calc-btn,.coverage-cta,form>label,form>button,.footer-wordmark{text-transform:capitalize}h1,h2,h3{overflow-wrap:normal}.hero h1{letter-spacing:-.055em;line-height:1.03}.topic-band span{text-transform:capitalize}.hero-foot span{max-width:650px}.story-heading h2{font-size:clamp(2.5rem,4.5vw,4.2rem)}.hero-copy .eyebrow{line-height:1.5}.coverage-card h3{line-height:1.12}.coverage-jump{align-items:stretch}.coverage-jump a{display:flex;align-items:center;justify-content:center;line-height:1.4}.coverage-cta{line-height:1.5}.calc-intro-card h2{font-size:clamp(2.4rem,4vw,3.4rem)}
html[data-theme="light"]{--paper:#f8faf8;--ink:#123b30;--muted:#52655d;--line:#ced8d1;--green:#075b40;color-scheme:light}
html[data-theme="light"] .nav,html[data-theme="light"] .hero{background:#f8faf8;color:#123b30}
html[data-theme="light"] .nav{border-color:#ced8d1}html[data-theme="light"] .brand span{color:#075b40}
html[data-theme="light"] .hero h1 span{color:#075b40}html[data-theme="light"] .hero-copy .eyebrow,html[data-theme="light"] .hero-bottom p,html[data-theme="light"] .hero-bottom strong,html[data-theme="light"] .hero-foot{color:#123b30}
html[data-theme="light"] .hero-foot{border-color:#ced8d1}html[data-theme="light"] .hero a:focus-visible,html[data-theme="light"] .nav a:focus-visible{outline-color:#075b40}
html[data-theme="light"] .income-story{background:#eaf1eb;color:#123b30}
html[data-theme="light"] .lead{background:#f8faf8;color:#123b30;border-top:1px solid #ced8d1}
html[data-theme="light"] .lead-copy>.eyebrow,html[data-theme="light"] .lead-copy>p,html[data-theme="light"] form>label,html[data-theme="light"] .consent label,html[data-theme="light"] .note,html[data-theme="light"] .lead-copy>.legal-box{color:#123b30}
html[data-theme="light"] .consent a,html[data-theme="light"] .lead-copy>.legal-box strong{color:#075b40}
html[data-theme="light"] .lead form button{background:#063b2e;color:#fff}
html[data-theme="dark"]{--paper:#081d17;--ink:#f1f6f2;--muted:#baccc1;--line:#3e594b;--green:#a5d9b7;color-scheme:dark}
html[data-theme="dark"] body{background:#081d17;color:#f1f6f2}html[data-theme="dark"] .nav,html[data-theme="dark"] .hero,html[data-theme="dark"] .lead{background:#0b2b21;color:#f1f6f2}
html[data-theme="dark"] .income-story{background:#123b2d;color:#f1f6f2}html[data-theme="dark"] .story-heading em{color:#e7bd59}html[data-theme="dark"] .story-items,html[data-theme="dark"] .story-items article{border-color:#688577}
html[data-theme="dark"] .service-row:hover{background:#173b2d}html[data-theme="dark"] .coverage-card,html[data-theme="dark"] .coverage-card:nth-child(2),html[data-theme="dark"] .coverage-card:nth-child(3){background:transparent}
html[data-theme="dark"] .coverage-scenario{background:#17392c;border-color:#e7bd59}html[data-theme="dark"] .coverage-takeaway{background:#17392c}
html[data-theme="dark"] .calc-wrap{background:#0d261d}html[data-theme="dark"] .calc{background:#142f25;border-color:#536e5d}
html[data-theme="dark"] input:not([type=checkbox]):not([type=hidden]),html[data-theme="dark"] select{background:#0b2119;color:#f1f6f2;border-color:#819c8b}html[data-theme="dark"] input::placeholder{color:#adc2b4}
html[data-theme="dark"] .calc-result{background:#0b2119}html[data-theme="dark"] .quadrant{background:#17392c}html[data-theme="dark"] .quadrant:nth-child(2),html[data-theme="dark"] .quadrant:nth-child(3){background:#204532}
html[data-theme="dark"] .legal-box,html[data-theme="dark"] .legal-box strong{color:#d4e1d8}html[data-theme="dark"] .calc-btn,html[data-theme="dark"] .coverage-cta,html[data-theme="dark"] .calc-result a{background:#e7bd59;color:#08291d}
html[data-theme="dark"] .cookie-banner{background:#142f25;color:#f1f6f2}html[data-theme="dark"] .cookie-reject{background:#142f25;color:#f1f6f2}html[data-theme="dark"] .cookie-accept{background:#e7bd59;color:#08291d}
html[data-theme="dark"] .calc-error{color:#ffb5a8}html[data-theme="dark"] .coverage-jump a[aria-current="true"],html[data-theme="dark"] .coverage-jump a:hover{background:#e7bd59;color:#08291d}
html[data-theme="dark"] :focus-visible{outline-color:#e7bd59!important}
#budget-prompt{position:fixed;width:min(560px,calc(100% - 32px));max-height:calc(100dvh - 40px);overflow:auto;border:1px solid var(--line);border-radius:12px;padding:42px;background:var(--paper);color:var(--ink);box-shadow:0 24px 100px #0006}
#budget-prompt::backdrop{background:#02160ec9}#budget-prompt h2{font-size:clamp(2rem,5vw,3.1rem);line-height:1.12;letter-spacing:-.045em;margin:20px 0}#prompt-copy{font-size:1.05rem;line-height:1.6}#prompt-close{position:absolute;right:10px;top:8px;min-width:44px;min-height:44px;background:transparent;border:0;color:inherit;font-size:1.8rem}#budget-prompt .eyebrow{padding-right:20px}#prompt-later{display:block;margin:18px auto 0;padding:10px 20px;min-height:44px;border:0;background:transparent;color:inherit;text-decoration:underline;font:inherit}.prompt-note{font-size:.875rem;margin-top:16px;color:var(--muted)}html.modal-open{overflow:hidden}#page-end{height:1px}[hidden]{display:none!important}
@media(max-width:1050px) and (min-width:701px){.nav-inner{grid-template-columns:1fr auto;gap:8px;padding-block:10px}.site-preferences{grid-row:1;grid-column:2}#site-menu{grid-row:2;grid-column:1/-1;justify-content:flex-end}.coverage-scroll{gap:32px}}
@media(max-width:700px){.nav-inner{grid-template-columns:1fr auto;min-height:118px;gap:6px;padding-block:10px}.brand{font-size:1.4rem}.site-preferences{grid-column:2;grid-row:1;gap:5px}.site-preferences select{padding:8px;min-height:44px;font-size:.875rem;max-width:92px}.menu-toggle{grid-row:2;grid-column:2;justify-self:end;padding:6px 16px;min-height:40px}html.js #site-menu{top:118px}html[data-theme="light"] #site-menu{background:#f8faf8;color:#123b30}html[data-theme="dark"] #site-menu{background:#0b2b21}html{scroll-padding-top:140px}.coverage-card{scroll-margin-top:140px}.hero{padding-top:30px}.hero h1{font-size:clamp(2.8rem,12vw,5rem)}.hero-bottom p{font-size:1rem}.hero-grid{gap:28px}.story-heading h2{font-size:clamp(2.25rem,9vw,3.8rem)}.coverage-sidebar h2{font-size:2.4rem}.coverage-card h3,#tpd h3{font-size:clamp(2rem,8vw,3rem)}.calc-intro-card h2{font-size:2.5rem}#budget-prompt{padding:32px 22px 24px}.mobile-cta-bar a{font-size:.875rem}.section-heading h2{font-size:clamp(2rem,7.5vw,3rem)}}
@media(prefers-reduced-motion:reduce){#budget-prompt{scroll-behavior:auto}}

/* Takaful needs trial */
.brand{text-transform:none!important;font-size:clamp(17px,2vw,25px);letter-spacing:-.8px;white-space:nowrap}
#kalkulator select{display:block;width:100%;max-width:100%;padding:14px 10px;border:1px solid #70877e;border-radius:8px;background:#fff;color:#123c30;font:inherit;margin:8px 0 20px}
#kalkulator [hidden]{display:none!important}.tna-step{font-weight:750;margin:26px 0 18px;border-top:1px solid #81998f;padding-top:22px}.tna-unknown{display:flex!important;gap:10px;align-items:flex-start;margin:16px 0;font-weight:500!important}.tna-unknown input{width:20px!important;height:20px!important;flex:0 0 20px}.tna-breakdown{display:grid;gap:10px;margin:20px 0}.tna-breakdown div{display:flex;justify-content:space-between;gap:14px;border-bottom:1px solid #81998f;padding-bottom:8px}.tna-breakdown dd{margin:0;font-weight:700;white-space:nowrap}.calc-result .big{font-size:clamp(28px,5vw,48px);overflow-wrap:anywhere}
[data-theme="dark"] #kalkulator select{background:#082d24;color:#f8faf8;border-color:#719589}.calc-grid>*{min-width:0}#kalkulator input:disabled{opacity:.55}.tna-step,.calc-result h4{line-height:1.5}
@media(max-width:600px){.calc-grid{grid-template-columns:1fr!important}.tna-breakdown div{flex-wrap:wrap}.brand{font-size:18px}.nav-inner{column-gap:8px}#kalkulator select{font-size:14px}.calc-intro h2{font-size:clamp(40px,11vw,60px)}}
/* Income protection redesign */
.hero .hero-grid{grid-template-columns:1.35fr .65fr;align-items:center;min-height:0;padding-top:55px;padding-bottom:35px}.hero #hero-title{font-size:clamp(52px,7.6vw,110px);line-height:1;letter-spacing:-.055em}.hero .hero-bottom p{max-width:370px;font-size:clamp(18px,2vw,24px)}.hero-portrait{max-width:350px;justify-self:end}.hero-portrait img{max-height:440px;object-fit:contain;object-position:bottom}.hero .round-cta{flex-shrink:0}.risk-overview{padding-top:65px;padding-bottom:60px}.risk-overview>h2,.checkup-section h2{font-size:clamp(32px,4vw,54px);line-height:1.15;max-width:800px}.risk-overview>p{max-width:800px;line-height:1.7;margin:20px 0}.risk-four{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px;margin:32px 0}.risk-box{background:var(--paper);color:var(--ink);border:1px solid var(--line);border-radius:22px;padding:30px;display:flex;flex-direction:column}.risk-box h3{font-size:clamp(26px,3vw,38px);line-height:1.2;margin:15px 0}.risk-box p,.risk-box li{font-size:16px;line-height:1.7}.risk-box h4{margin:22px 0 8px;font-size:16px}.risk-box ul{padding-left:20px;margin-bottom:25px}.risk-box li{margin:8px 0}.risk-box .coverage-cta{margin-top:auto;color:var(--ink);text-decoration:underline}.checkup-section{padding-top:40px;padding-bottom:65px;scroll-margin-top:120px}.checkup-layout{display:grid;grid-template-columns:minmax(0,1fr) 290px;gap:24px;align-items:start}.cost-sidebar{position:sticky;top:110px;border:1px solid var(--line);border-radius:20px;padding:24px;background:var(--paper);color:var(--ink)}.cost-sidebar h3{font-size:26px;line-height:1.2;margin:15px 0}.cost-sidebar p{font-size:12px;line-height:1.6;margin:15px 0}.cost-sidebar>a{color:var(--ink)}.cost-item{display:flex;flex-direction:column;padding:16px 0;border-bottom:1px solid var(--line);text-decoration:none}.cost-item span{font-size:14px}.cost-item strong{font-size:20px}.cost-item small{font-size:11px}.budget-four{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:22px 0}.budget-four>div{padding:16px;border:1px solid currentColor;border-radius:12px;display:flex;flex-direction:column}.budget-four strong{font-size:28px}.budget-four small{font-size:13px}#coverage-gap{scroll-margin-top:110px}#coverage-gap select{width:100%;padding:14px 10px;margin:8px 0 20px;font:inherit;border:1px solid #70877e;border-radius:8px;background:var(--paper);color:var(--ink)}#coverage-gap [hidden]{display:none!important}#kalkulator .calc-body>p{font-size:13px;line-height:1.7;margin:18px 0}.checkup-layout>*{min-width:0}
@media(max-width:900px){.checkup-layout{grid-template-columns:1fr}.cost-sidebar{position:static}.hero .hero-grid{grid-template-columns:1fr 1fr}.hero #hero-title{font-size:clamp(44px,7.5vw,70px)}.hero .hero-bottom{flex-wrap:wrap}}
@media(max-width:600px){.hero .hero-grid{grid-template-columns:1fr;padding-top:35px}.hero #hero-title{font-size:clamp(45px,12vw,70px)}.hero-portrait{max-width:260px;justify-self:center}.hero-portrait img{max-height:310px}.hero .round-cta{width:115px;height:115px}.hero .hero-bottom p{font-size:18px}.risk-four{grid-template-columns:1fr}.risk-box{padding:24px}.risk-overview{padding-top:45px}.checkup-section{padding-bottom:35px}.cost-sidebar{padding:22px}.budget-four>div{padding:10px}}
/* Navy / ivory by day; midnight / champagne gold by night. */
:root,html[data-theme="light"]{--emerald:#17324d;--dark:#17324d;--green:#17324d;--gold:#e6c678;--paper:#f8f7f3;--ink:#17324d;--muted:#526174;--line:#d4d9df;--surface:#fff;--soft:#eeede8;--action:#17324d;--on-action:#fff;--hero:#17324d;--hero-muted:#dbe3ed}
html[data-theme="dark"]{--emerald:#8cabc9;--dark:#101827;--green:#e6c678;--gold:#e6c678;--paper:#101827;--ink:#f3f4f6;--muted:#bcc7d5;--line:#66758a;--surface:#1c293b;--soft:#223247;--action:#e6c678;--on-action:#101827;--hero:#101827;--hero-muted:#dbe3ed}
html[data-theme] body{background:var(--paper);color:var(--ink)}
html[data-theme] .nav,html[data-theme] #site-menu{background:var(--paper);color:var(--ink);border-color:var(--line)}
html[data-theme] .brand,html[data-theme] .brand span{color:var(--ink)}
html[data-theme] .site-preferences select{background:var(--surface);color:var(--ink);border-color:var(--line)}
html[data-theme] .hero,html[data-theme] .lead{background:var(--hero);color:#fff}
html[data-theme="dark"] .hero{background:linear-gradient(135deg,#101827,#1c293b)}
html[data-theme] .hero-copy .eyebrow,html[data-theme] .hero-bottom p,html[data-theme] .hero-foot,html[data-theme] .lead-copy>p,html[data-theme] .consent label,html[data-theme] .note{color:var(--hero-muted)}
html[data-theme] .hero-portrait,html[data-theme] .hero-portrait figcaption{background:var(--hero);color:#fff}
html[data-theme] .round-cta,html[data-theme] .nav-cta,html[data-theme] .menu-toggle,html[data-theme] .topic-band,html[data-theme] .tag-badge,html[data-theme] form button{background:var(--gold);color:#17324d}
html[data-theme] .risk-box,html[data-theme] .calc,html[data-theme] .cost-sidebar,html[data-theme] .cookie-banner{background:var(--surface);color:var(--ink);border-color:var(--line)}
html[data-theme] .risk-box{border-top:5px solid var(--emerald)}
html[data-theme] .risk-box:nth-child(2){border-top-color:var(--action)}
html[data-theme] .risk-box:nth-child(3){border-top-color:var(--gold)}
html[data-theme] .risk-box .coverage-cta{background:transparent;color:var(--ink)}
html[data-theme] .calc-wrap,html[data-theme] .calc-result{background:var(--soft);color:var(--ink)}
html[data-theme] .calc-head p,html[data-theme] .calc-intro-card p,html[data-theme] .field-hint,html[data-theme] .section-heading p,html[data-theme] .legal-box,html[data-theme] .legal-box strong{color:var(--muted)}
html[data-theme] input:not([type=checkbox]):not([type=hidden]),html[data-theme] select{background:var(--surface);color:var(--ink);border-color:var(--muted)}
html[data-theme] input::placeholder{color:var(--muted)}
html[data-theme] .calc-btn,html[data-theme] .calc-result a,html[data-theme] .cookie-accept{background:var(--action);color:var(--on-action)}
html[data-theme] .calc-result a:last-child{background:var(--gold);color:#17324d}
html[data-theme] .cookie-reject{background:var(--surface);color:var(--ink);border-color:var(--muted)}
html[data-theme] .cookie-banner a,html[data-theme] .cost-sidebar>a{color:var(--ink)}
html[data-theme] .lead-copy>.legal-box,html[data-theme] .lead-copy>.legal-box strong{color:var(--hero-muted)}
html[data-theme] footer{background:var(--dark);color:#dbe3ed}
html[data-theme] .copyright,html[data-theme] .footer-disclosure{color:#dbe3ed}
html[data-theme] .mobile-cta-bar a{background:var(--gold);color:#17324d}
html[data-theme] .mobile-cta-bar a:last-child{background:var(--hero);color:#fff}
html[data-theme="light"] :focus-visible{outline-color:#17324d!important}
html[data-theme="dark"] :focus-visible{outline-color:#e6c678!important}
html[data-theme] .hero :focus-visible,html[data-theme] .lead :focus-visible{outline-color:var(--gold)!important}
#coverage-gap .calc-grid{align-items:start}#coverage-gap .field-hint{margin-top:8px;line-height:1.5}

html[data-theme] .check{background:var(--action);color:var(--on-action)}html[data-theme] a.btn{background:var(--gold);color:#17324d}

html[data-theme="light"] .nav-cta,html[data-theme="light"] .menu-toggle{background:#17324d;color:#fff}
html[data-theme] .risk-box,html[data-theme] .risk-box:nth-child(2),html[data-theme] .risk-box:nth-child(3){border-top:3px solid #a78032}
html[data-theme="dark"] .risk-box{border-top-color:#e6c678}
html[data-theme] .topic-band{background:var(--surface);color:var(--ink);border-block:1px solid var(--line)}
html[data-theme] .topic-band span[aria-hidden]{color:#a78032}
html[data-theme] .tna-breakdown div,html[data-theme] .calc-intro-card>p,html[data-theme] .footer-wordmark{border-color:var(--line)}
#budget-prompt::backdrop{background:#101827c9}
html[data-theme] .cookie-banner{box-shadow:0 8px 40px #10182730}
html[data-theme="light"] .coverage-cta{color:#17324d}
html[data-theme="dark"] .coverage-cta{background:#e6c678;color:#17324d}
html[data-theme="dark"] .risk-box .coverage-cta{background:transparent;color:var(--ink)}