/* HOMEPAGE REDESIGN PROTOTYPE v2, Oct 22 2026 (redesign.py, WC_REDESIGN=1 only).
   Linked only from the five redesign pages, so the shared-chrome overrides below (nav button,
   footer) touch nothing else. Values are the ChatGPT design spec Dave pasted Oct 22: Newsreader 600
   + Figtree, navy/cream/restrained brass, 0-2px radius, no shadows except real overlays, the
   24px/14px top-right image notch, one photo grade. All 13 text/background pairs re-measured and
   match the spec (lowest used here 8.29:1). Deviation: the spec's #B6D0ED focus ring is 1.45:1 on
   cream, so light surfaces use a navy ring; the blue ring stays on dark surfaces (11.02:1). */

:root{
  --wc-navy-950:#0E1A2B; --wc-navy-800:#12305A; --wc-ink-900:#2A2A2A; --wc-cream-50:#F8F4F0;
  --wc-white:#FFFFFF; --wc-blue-200:#B6D0ED; --wc-brass-500:#B58B4A; --wc-line:#D6D0C7;
  --wc-field-border:#727C87; --wc-error:#7A1F1F;
}
body{background:var(--wc-cream-50);color:var(--wc-ink-900);}

/* ---------- Grid shell ---------- */
.page-shell{width:min(1200px,calc(100% - 40px));margin-inline:auto;}
@media (min-width:768px){.page-shell{width:min(1200px,calc(100% - 64px));}}

/* ---------- Type ---------- */
.rd-main,.rd-hero,.rd-phero{font-size:18px;line-height:30px;}
.rd-hero h1,.rd-phero h1,.rd-main h2{font-family:"Newsreader",Georgia,serif;font-weight:600;color:var(--wc-navy-950);margin:0;text-wrap:balance;}
.rd-hero h1,.rd-phero h1{font-size:64px;line-height:64px;letter-spacing:-.025em;}
.rd-main h2{font-size:44px;line-height:48px;letter-spacing:-.02em;}
.rd-main h3{font-family:"Figtree",system-ui,sans-serif;font-weight:600;font-size:24px;line-height:30px;letter-spacing:-.01em;color:var(--wc-navy-950);margin:0;}
.rd-lead{font-size:20px;line-height:32px;color:var(--wc-ink-900);margin:20px 0 0;max-width:500px;}
@media (max-width:767px){
  .rd-hero h1,.rd-phero h1{font-size:44px;line-height:46px;letter-spacing:-.02em;}
  .rd-main h2{font-size:34px;line-height:38px;letter-spacing:-.015em;}
  .rd-main h3{font-size:22px;line-height:28px;}
  .rd-lead{font-size:19px;line-height:30px;margin-top:16px;}
}

/* ---------- Focus (navy on light, blue on dark) ---------- */
.rd-hero a:focus-visible,.rd-phero a:focus-visible,.rd-main a:focus-visible,.rd-main button:focus-visible,
.rd-main input:focus-visible,.rd-main select:focus-visible,.rd-main textarea:focus-visible{outline:3px solid var(--wc-navy-800);outline-offset:3px;}
.rd-close a:focus-visible,footer a:focus-visible{outline:3px solid var(--wc-blue-200);outline-offset:3px;}

/* ---------- Buttons: 2px radius, 52px tall ---------- */
.rd-cta{display:flex;flex-wrap:wrap;gap:12px;margin-top:32px;}
.rd-btn{display:inline-flex;align-items:center;justify-content:center;min-height:52px;min-width:156px;padding:0 22px;
  border-radius:2px;font:600 16px/20px "Figtree",system-ui,sans-serif;letter-spacing:.005em;text-decoration:none;}
.rd-btn-p{background:var(--wc-navy-800);color:#FFFFFF;border:0;}
.rd-btn-p:hover{background:var(--wc-navy-950);}
.rd-btn-s{background:transparent;color:var(--wc-navy-800);border:1.5px solid var(--wc-navy-800);}
.rd-btn-s:hover{background:var(--wc-white);}
.rd-close .rd-btn-p{background:var(--wc-cream-50);color:var(--wc-navy-950);}
.rd-close .rd-btn-p:hover{background:#FFFFFF;}
.rd-close .rd-btn-s{color:var(--wc-cream-50);border-color:var(--wc-cream-50);}
.rd-close .rd-btn-s:hover{background:var(--wc-navy-800);}
@media (max-width:767px){.rd-cta{gap:10px;margin-top:28px;}.rd-cta .rd-btn{width:100%;}}
.rd-arrow{display:inline-block;transition:transform 160ms ease;}
a:hover .rd-arrow{transform:translateX(3px);}

/* ---------- Photos: one Wolfcrest grade + the crest notch ---------- */
.wc-photo{position:relative;margin:0;overflow:hidden;background:var(--wc-line);}
.wc-photo img{display:block;width:100%;height:100%;object-fit:cover;object-position:50% 50%;
  filter:saturate(78%) contrast(108%) brightness(97%) sepia(6%);}
.wc-photo::after{content:"";position:absolute;inset:0;background:var(--wc-navy-950);opacity:.08;mix-blend-mode:multiply;pointer-events:none;}
.wc-notch{clip-path:polygon(0 0,calc(100% - 24px) 0,100% 24px,100% 100%,0 100%);}
@media (max-width:767px){.wc-notch{clip-path:polygon(0 0,calc(100% - 14px) 0,100% 14px,100% 100%,0 100%);}}

/* ---------- Homepage hero: copy 5 cols, photo 7 cols ---------- */
.rd-hero{background:var(--wc-cream-50);padding:72px 0 80px;}
.rd-hero-grid{display:grid;grid-template-columns:repeat(12,minmax(0,1fr));column-gap:24px;align-items:center;min-height:560px;}
.rd-hero-copy{grid-column:1/6;}
.rd-hero-copy h1{max-width:520px;}
.rd-hero-img{grid-column:6/13;height:560px;margin-left:24px;}
.rd-hero-img img{object-position:55% 35%;}
@media (max-width:1023px){
  .rd-hero-grid{grid-template-columns:1fr;min-height:0;}
  .rd-hero-copy,.rd-hero-img{grid-column:1;}
  .rd-hero-img{height:auto;aspect-ratio:16/10;margin:40px 0 0;}
}
@media (max-width:767px){
  .rd-hero{padding:40px 0 56px;}
  .rd-hero-img{aspect-ratio:4/3;margin-top:32px;}
}

/* ---------- Sections ---------- */
.rd-sec{padding:96px 0;}
.rd-band{background:var(--wc-white);border-top:1px solid var(--wc-line);border-bottom:1px solid var(--wc-line);}
.rd-sec-head{max-width:720px;margin-bottom:48px;}
@media (max-width:1023px){.rd-sec{padding:80px 0;}}
@media (max-width:767px){.rd-sec{padding:64px 0;}.rd-sec-head{margin-bottom:32px;}}

/* ---------- Six categories: photo, title, 2px navy rule ---------- */
.rd-cats{padding-top:24px;}
.rd-cats h2{margin-bottom:40px;}
.rd-cat-grid{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(6,minmax(0,1fr));gap:20px;}
.rd-cat{display:flex;flex-direction:column;text-decoration:none;color:var(--wc-ink-900);border-bottom:2px solid var(--wc-navy-800);padding-bottom:18px;height:100%;}
.rd-cat-img{aspect-ratio:3/2;}
.rd-cat-t{display:block;margin-top:14px;font:600 18px/24px "Figtree",system-ui,sans-serif;color:var(--wc-navy-950);}
.rd-cat-d{display:block;margin-top:4px;font-size:16px;line-height:25px;color:var(--wc-ink-900);}
.rd-cat-how{display:block;margin-top:auto;padding-top:12px;font-size:15px;line-height:23px;font-weight:600;color:var(--wc-navy-800);}
.rd-cat:hover .rd-cat-t{text-decoration:underline;text-underline-offset:3px;}
@media (max-width:1023px){.rd-cat-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:40px 24px;}}
@media (max-width:767px){.rd-cat-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:32px 16px;}.rd-cats h2{margin-bottom:28px;}}

/* ---------- Split sections (photo + copy) ---------- */
.rd-split{display:grid;grid-template-columns:repeat(12,minmax(0,1fr));column-gap:24px;align-items:center;}
.rd-guide-img{grid-column:1/6;aspect-ratio:4/5;}
.rd-guide-img img{object-position:50% 20%;}
.rd-split-copy{grid-column:7/13;}
.rd-split-flip .rd-fin-img{grid-column:8/13;grid-row:1;aspect-ratio:4/5;align-self:start;}
.rd-split-flip .rd-split-copy{grid-column:1/7;grid-row:1;}
@media (max-width:1023px){
  .rd-split{grid-template-columns:1fr;row-gap:40px;}
  .rd-guide-img,.rd-split-copy,.rd-split-flip .rd-fin-img,.rd-split-flip .rd-split-copy{grid-column:1;grid-row:auto;}
  .rd-guide-img{max-width:460px;}
  .rd-split-flip .rd-fin-img{aspect-ratio:3/2;}
}
@media (max-width:767px){.rd-split-flip .rd-fin-img{aspect-ratio:4/3;}}
.rd-sig{margin:28px 0 0;display:flex;flex-direction:column;}
.rd-sig b{font-size:18px;color:var(--wc-navy-950);}
.rd-sig span{font-size:16px;line-height:25px;}
.rd-facts{list-style:none;margin:24px 0 0;padding:20px 0 0;border-top:1px solid var(--wc-line);display:grid;gap:8px;font-size:16px;line-height:25px;}

/* ---------- Steps: 2px navy top rule, Newsreader numeral ---------- */
.rd-ways h2{margin-bottom:48px;}
.rd-steps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:40px;}
.rd-steps-2{grid-template-columns:repeat(2,minmax(0,1fr));gap:48px;}
.rd-steps > li{border-top:2px solid var(--wc-navy-800);padding-top:20px;}
.rd-step-n{display:block;font:600 48px/48px "Newsreader",Georgia,serif;color:var(--wc-navy-800);}
.rd-steps h3{margin-top:24px;font-size:22px;line-height:28px;}
.rd-steps p{margin:10px 0 0;font-size:18px;line-height:29px;}
.rd-links{list-style:none;margin:16px 0 0;padding:0;}
.rd-links a{display:inline-flex;align-items:center;gap:8px;min-height:45px;color:var(--wc-navy-800);font-weight:600;text-decoration:underline;text-underline-offset:4px;text-decoration-thickness:1px;}
@media (max-width:767px){.rd-steps,.rd-steps-2{grid-template-columns:1fr;gap:36px;}.rd-ways h2{margin-bottom:32px;}}

/* ---------- Ruled rows ---------- */
.rd-rows{list-style:none;margin:24px 0 0;padding:0;border-top:1px solid var(--wc-line);}
.rd-rows li{border-bottom:1px solid var(--wc-line);}
.rd-rows a{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:76px;padding:18px 0;color:var(--wc-ink-900);text-decoration:none;}
.rd-rows a:hover b{text-decoration:underline;text-underline-offset:3px;}
.rd-rows b{display:block;font:600 18px/26px "Figtree",system-ui,sans-serif;color:var(--wc-navy-950);}
.rd-rows small{display:block;font-size:16px;line-height:25px;margin-top:4px;}
.rd-rows em{display:block;font-style:normal;font-size:15px;line-height:23px;font-weight:600;color:var(--wc-navy-800);margin-top:6px;}
.rd-rows .rd-arrow{color:var(--wc-navy-800);font-size:20px;flex:none;}
.rd-main .rd-rows-h{margin-top:48px;font-size:22px;line-height:28px;}
.rd-rows-lg b{font:600 30px/36px "Newsreader",Georgia,serif;}
@media (max-width:767px){.rd-rows-lg b{font-size:26px;line-height:32px;}}

/* ---------- Product hero: copy cols 1-5, gap col 6, photo 7-12 ---------- */
.rd-phero{background:var(--wc-cream-50);padding:72px 0 80px;border-bottom:1px solid var(--wc-line);}
.rd-phero-grid{display:grid;grid-template-columns:repeat(12,minmax(0,1fr));column-gap:24px;align-items:center;}
.rd-phero-copy{grid-column:1/6;}
.rd-phero-copy h1{max-width:500px;}
.rd-phero-copy .rd-lead{max-width:480px;}
.rd-phero .rd-cta{margin-top:28px;}
.rd-phero-img{grid-column:7/13;aspect-ratio:4/3;}
.rd-phero .crumbs{font-size:16px;color:var(--wc-ink-900);margin:0 0 20px;}
.rd-phero .crumbs a{color:var(--wc-navy-800);min-height:45px;}
.rd-phero .crumbs .sep{color:var(--wc-ink-900);}
.rd-or{margin:16px 0 0;font-size:16px;line-height:25px;}
.rd-or a{color:var(--wc-navy-800);font-weight:600;display:inline-flex;align-items:center;min-height:45px;}
@media (max-width:1023px){.rd-phero-grid{grid-template-columns:1fr;}.rd-phero-copy,.rd-phero-img{grid-column:1;}.rd-phero-img{margin-top:40px;}}
@media (max-width:767px){.rd-phero{padding:40px 0 56px;}.rd-phero-img{margin-top:28px;}}

/* ---------- Coverage list: 2 columns, brass marker, ruled ---------- */
.rd-cover-list{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));column-gap:48px;}
.rd-cover-list li{display:flex;align-items:flex-start;min-height:64px;padding:18px 0;border-bottom:1px solid var(--wc-line);}
.rd-mark{flex:none;width:16px;height:2px;background:var(--wc-brass-500);margin:12px 14px 0 0;}
.rd-cover-list b{display:block;font:600 18px/26px "Figtree",system-ui,sans-serif;color:var(--wc-navy-950);}
.rd-cover-list div > span{display:block;margin-top:4px;font-size:16px;line-height:25px;}
.rd-main .rd-group-h{margin:40px 0 8px;font-size:22px;line-height:28px;}
.rd-main .rd-sec-head + .rd-group-h{margin-top:0;}
.rd-src{margin:24px 0 0;font-size:15px;line-height:23px;}
.rd-src a{color:var(--wc-navy-800);}
@media (max-width:767px){.rd-cover-list{grid-template-columns:1fr;}.rd-cover-list li{min-height:60px;}}

/* ---------- Quote form: square fields, persistent labels ---------- */
main > .rd-quote{background:var(--wc-cream-50);padding:96px 0;}
.rd-quote h2{max-width:420px;}
.rd-quote .svc-start-copy p{font-size:18px;line-height:29px;margin-top:20px;}
.rd-quote .svc-start-copy a{color:var(--wc-navy-800);font-weight:600;display:inline-flex;align-items:center;min-height:45px;}
.rd-quote .form-shell{background:var(--wc-white);border:1px solid var(--wc-line);border-radius:0;box-shadow:none;padding:32px;}
.rd-quote .fields{margin-top:0;gap:20px;}
.rd-quote .field{gap:0;}
.rd-quote .field label{font:600 16px/22px "Figtree",system-ui,sans-serif;letter-spacing:.01em;color:var(--wc-navy-950);margin-bottom:8px;}
.rd-quote .field input,.rd-quote .field select{height:54px;min-height:54px;padding:0 14px;}
.rd-quote .field input,.rd-quote .field select,.rd-quote .field textarea{border:1px solid var(--wc-field-border);border-radius:2px;background:var(--wc-white);
  color:var(--wc-navy-950);font:400 18px/26px "Figtree",system-ui,sans-serif;box-shadow:none;}
.rd-quote .field textarea{min-height:132px;padding:14px;}
.rd-quote .field input:focus,.rd-quote .field select:focus,.rd-quote .field textarea:focus{border:2px solid var(--wc-navy-800);outline:3px solid var(--wc-navy-800);outline-offset:2px;}
.rd-quote .privacy-note{font-size:15px;line-height:23px;color:var(--wc-ink-900);}
.rd-quote .err{color:var(--wc-error);font-size:15px;line-height:23px;margin-top:6px;}
.rd-quote .svc-send{border-radius:2px;background:var(--wc-navy-800);border:0;color:#FFFFFF;min-height:52px;padding:0 22px;font:600 16px/20px "Figtree",system-ui,sans-serif;}
.rd-quote .svc-send:hover{background:var(--wc-navy-950);}
@media (max-width:767px){main > .rd-quote{padding:64px 0;}.rd-quote .form-shell{padding:20px;}.rd-quote .fields{grid-template-columns:1fr;}.rd-quote .svc-send{width:100%;}}

/* ---------- Closing band: deep navy, cream type ---------- */
.rd-close{background:var(--wc-navy-950);color:var(--wc-cream-50);padding:96px 0;}
.rd-main .rd-close h2{color:var(--wc-cream-50);max-width:720px;}
.rd-close .rd-lead{color:var(--wc-cream-50);}
@media (max-width:767px){.rd-close{padding:64px 0;}}

/* ---------- Shared chrome on these five pages only ---------- */
nav.sitenav{background:var(--wc-cream-50);border-bottom:1px solid var(--wc-line);}
nav.sitenav .navlinks a.btn-primary{background:var(--wc-navy-800);color:#FFFFFF;border-color:var(--wc-navy-800);border-radius:2px;}
footer{background:var(--wc-navy-950);}
footer h3{font-family:"Figtree",system-ui,sans-serif;font-size:16px;letter-spacing:.01em;text-transform:none;color:var(--wc-cream-50);}
footer a,footer .foot-sub,footer .legal p,footer p{color:var(--wc-cream-50);}
footer a{min-height:45px;}
footer .legal p{font-size:15px;line-height:23px;}

@media (prefers-reduced-motion:reduce){.rd-arrow{transition:none;}a:hover .rd-arrow{transform:none;}}

/* ===================== v3 HOMEPAGE (Wolf's mockups, Oct 22) ===================== */
/* Hero: photo runs to the right edge of the window, quick-start sits under the copy. */
.rd-hero3{padding:64px 0 72px;overflow:hidden;}
.rd-hero3 .rd-hero-grid{min-height:540px;}
.rd-hero3 .rd-hero-copy{grid-column:1/7;}
.rd-hero3 .rd-hero-copy h1{max-width:560px;}
.rd-hero3 .rd-hero-img{grid-column:7/13;height:540px;margin-left:24px;margin-right:calc((min(1200px, 100vw - 64px) - 100vw) / 2);}
.rd-hero3 .rd-hero-img img{object-position:40% 55%;}
.rd-start{display:grid;grid-template-columns:minmax(0,1.4fr) minmax(0,1fr);align-items:end;gap:12px;margin-top:32px;
  background:var(--wc-white);border:1px solid var(--wc-line);padding:16px;max-width:620px;}
.rd-start-f{display:flex;flex-direction:column;}
.rd-start-f label{font:600 16px/22px "Figtree",system-ui,sans-serif;letter-spacing:.01em;color:var(--wc-navy-950);margin-bottom:8px;}
.rd-start-f label span{font-weight:400;color:var(--wc-ink-900);}
.rd-start select,.rd-start input{height:54px;padding:0 14px;border:1px solid var(--wc-field-border);border-radius:2px;background:var(--wc-white);
  color:var(--wc-navy-950);font:400 18px/26px "Figtree",system-ui,sans-serif;width:100%;}
.rd-start select:focus,.rd-start input:focus{border:2px solid var(--wc-navy-800);outline:3px solid var(--wc-navy-800);outline-offset:2px;}
.rd-start .rd-btn{height:54px;grid-column:1/-1;width:100%;}
.rd-start-err{margin:8px 0 0;color:var(--wc-error);font-size:15px;line-height:23px;min-height:0;}
.rd-start-err:empty{display:none;}
.rd-start-note{margin:12px 0 0;font-size:15px;line-height:23px;max-width:620px;}
.rd-start-note a{color:var(--wc-navy-800);font-weight:600;display:inline-flex;align-items:center;min-height:45px;}
@media (max-width:1023px){
  .rd-hero3 .rd-hero-copy,.rd-hero3 .rd-hero-img{grid-column:1;}
  .rd-hero3 .rd-hero-img{height:auto;aspect-ratio:16/10;margin:40px 0 0;}
}
@media (max-width:767px){
  .rd-hero3{padding:40px 0 56px;}
  .rd-start{grid-template-columns:1fr;padding:16px;}
  .rd-start .rd-btn{width:100%;}
  .rd-hero3 .rd-hero-img{aspect-ratio:4/3;margin-top:32px;}
}

/* Products: six columns, 2px navy rule on top, one custom icon each, no cards. */
.rd-prods{padding-top:80px;}
.rd-prods h2{margin-bottom:40px;}
.rd-prod-grid{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(6,minmax(0,1fr));gap:24px;}
.rd-prod{display:flex;flex-direction:column;height:100%;border-top:2px solid var(--wc-navy-800);padding:24px 0 20px;color:var(--wc-ink-900);text-decoration:none;}
a.rd-prod:hover .rd-prod-t{text-decoration:underline;text-underline-offset:3px;}
.rd-ico{display:block;width:96px;height:96px;object-fit:contain;margin-bottom:20px;}
.rd-ico-slot{display:flex;align-items:center;justify-content:center;border:1px dashed var(--wc-field-border);font-size:15px;color:var(--wc-ink-900);}
.rd-prod-t{font:600 22px/28px "Newsreader",Georgia,serif;color:var(--wc-navy-950);letter-spacing:-.01em;}
.rd-prod-d{margin-top:8px;font-size:16px;line-height:25px;}
.rd-prod-go{margin-top:auto;padding-top:16px;font:600 16px/22px "Figtree",system-ui,sans-serif;color:var(--wc-navy-800);}
.rd-prod-multi{margin-top:auto;padding-top:8px;display:flex;flex-direction:column;align-items:flex-start;}
.rd-prod-multi a{display:inline-flex;align-items:center;gap:6px;min-height:45px;font:600 16px/22px "Figtree",system-ui,sans-serif;color:var(--wc-navy-800);text-decoration:none;}
.rd-prod-multi a:hover{text-decoration:underline;text-underline-offset:3px;}
.rd-more3{margin-top:48px;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));column-gap:48px;border-top:0;}
.rd-more3 li{border-top:1px solid var(--wc-line);}
@media (max-width:1179px){.rd-prod-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:40px 24px;}}
@media (max-width:767px){.rd-prod-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:32px 16px;}.rd-ico{width:72px;height:72px;margin-bottom:16px;}
  .rd-prod-t{font-size:20px;line-height:26px;}.rd-more3{grid-template-columns:1fr;margin-top:32px;}}

/* Guides: four across, photo on top. */
.rd-res-grid{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:24px;}
.rd-res{display:flex;flex-direction:column;height:100%;color:var(--wc-ink-900);text-decoration:none;}
.rd-res-img{aspect-ratio:3/2;}
.rd-res-txt{display:flex;flex-direction:column;flex:1;padding-top:16px;}
.rd-res-k{font:600 15px/23px "Figtree",system-ui,sans-serif;color:var(--wc-navy-800);}
.rd-res-t{margin-top:6px;font:600 22px/28px "Newsreader",Georgia,serif;color:var(--wc-navy-950);}
.rd-res-d{margin-top:8px;font-size:16px;line-height:25px;}
.rd-res-go{margin-top:auto;padding-top:14px;font:600 16px/22px "Figtree",system-ui,sans-serif;color:var(--wc-navy-800);}
.rd-res:hover .rd-res-t{text-decoration:underline;text-underline-offset:3px;}
@media (max-width:1023px){.rd-res-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:40px 24px;}}
@media (max-width:767px){.rd-res-grid{grid-template-columns:1fr;gap:32px;}}

/* Medicare band and Why Wolfcrest. */
.rd-med3-copy{grid-column:1/7;}
.rd-med3-img{grid-column:8/13;aspect-ratio:4/3;}
.rd-med3-img img{object-position:50% 35%;}
@media (max-width:1023px){.rd-med3-copy,.rd-med3-img{grid-column:1;}}
.rd-why-list{list-style:none;margin:32px 0 0;padding:0;border-top:1px solid var(--wc-line);}
.rd-why-list li{display:flex;gap:20px;padding:22px 0;border-bottom:1px solid var(--wc-line);}
.rd-why-n{flex:none;width:44px;font:600 28px/30px "Newsreader",Georgia,serif;color:var(--wc-navy-800);}
.rd-why-list h3{font-size:20px;line-height:26px;}
.rd-why-list p{margin:6px 0 0;font-size:16px;line-height:25px;}

/* Disclosures: approved wording, 15px minimum, ruled, never boxed or shrunk. */
.rd-fine{margin:24px 0 0;font-size:15px;line-height:23px;color:var(--wc-ink-900);max-width:640px;}
.rd-fine-rule{padding-top:20px;border-top:1px solid var(--wc-line);max-width:none;}
.rd-close .rd-fine{color:var(--wc-cream-50);}
.rd-legal{padding:48px 0;border-top:1px solid var(--wc-line);}
.rd-main .rd-legal-h{font:600 20px/26px "Figtree",system-ui,sans-serif;letter-spacing:0;}
.rd-legal-list{list-style:none;margin:16px 0 0;padding:0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:8px 48px;font-size:15px;line-height:23px;}
.rd-legal-list li{padding:10px 0;border-bottom:1px solid var(--wc-line);}
@media (max-width:767px){.rd-legal-list{grid-template-columns:1fr;}}

/* ===================== v4 (Wolf, Oct 22 1:44-1:46am PT) ===================== */
/* Wolf's call overrides the GPT 0-2px rule: "yea just make the squares rounded acutally". */
.wc-photo{border-radius:16px;}
.wc-notch{clip-path:none;}
@media (max-width:767px){.wc-notch{clip-path:none;}}
.rd-btn{border-radius:8px;gap:8px;}
.rd-quote .field input,.rd-quote .field select,.rd-quote .field textarea{border-radius:8px;}
.rd-quote .form-shell{border-radius:14px;}
.rd-quote .svc-send{border-radius:8px;}
nav.sitenav .navlinks a.btn-primary{border-radius:8px;}

/* Hero: the photo fills the full width; a cream fade keeps the copy and quote bar readable. */
.rd-hero4{position:relative;background:var(--wc-cream-50);overflow:hidden;isolation:isolate;--edge:calc(max(32px, (100vw - 1200px) / 2) + 760px);}
.rd-hero4-media{position:absolute;inset:0;z-index:-1;}
.rd-hero4-media img{display:block;width:100%;height:100%;object-fit:cover;object-position:60% 78%;
  filter:saturate(78%) contrast(108%) brightness(97%) sepia(6%);}
.rd-hero4-media::after{content:"";position:absolute;inset:0;
  background:linear-gradient(90deg,rgba(248,244,240,.96) 0,rgba(248,244,240,.94) var(--edge),rgba(248,244,240,0) calc(var(--edge) + 360px));}
.rd-hero4-in{padding:56px 0 48px;}
.rd-hero4-copy{max-width:760px;}
.rd-hero4 h1{font-family:"Newsreader",Georgia,serif;font-weight:600;color:var(--wc-navy-950);margin:0;font-size:60px;line-height:62px;letter-spacing:-.025em;max-width:760px;text-wrap:balance;}
.rd-hero4 .rd-lead{max-width:560px;}
.rd-bar{display:grid;grid-template-columns:150px minmax(0,1fr) auto;align-items:end;gap:12px;margin-top:28px;max-width:760px;
  background:var(--wc-white);border:1px solid var(--wc-line);border-radius:14px;padding:14px;}
.rd-bar-f{display:flex;flex-direction:column;}
.rd-bar-f label{font:600 16px/22px "Figtree",system-ui,sans-serif;letter-spacing:.01em;color:var(--wc-navy-950);margin-bottom:8px;}
.rd-bar-f label span{font-weight:400;color:var(--wc-ink-900);}
.rd-bar select,.rd-bar input{height:54px;padding:0 14px;border:1px solid var(--wc-field-border);border-radius:8px;background:var(--wc-white);
  color:var(--wc-navy-950);font:400 18px/26px "Figtree",system-ui,sans-serif;width:100%;}
.rd-bar select:focus,.rd-bar input:focus{border:2px solid var(--wc-navy-800);outline:3px solid var(--wc-navy-800);outline-offset:2px;}
.rd-bar-go{height:54px;min-width:270px;white-space:nowrap;}
.rd-hero4 .rd-start-note{max-width:640px;}
@media (max-width:1179px){
  .rd-hero4{display:flex;flex-direction:column;}
  .rd-hero4-media{position:relative;order:2;height:auto;aspect-ratio:16/7;}
  .rd-hero4-media::after{display:none;}
  .rd-hero4-in{padding:56px 0 40px;}
  .rd-bar{grid-template-columns:150px minmax(0,1fr);}
  .rd-bar-go{grid-column:1/-1;width:100%;min-width:0;}
}
@media (max-width:767px){
  .rd-hero4 h1{font-size:44px;line-height:46px;letter-spacing:-.02em;}
  .rd-hero4-in{padding:40px 0 32px;}
  .rd-bar{grid-template-columns:1fr;padding:14px;}
  .rd-hero4-media{aspect-ratio:4/3;}
}

/* Credibility strip right under the hero: verified facts only. */
.rd-trust{background:var(--wc-white);border-top:1px solid var(--wc-line);border-bottom:1px solid var(--wc-line);}
.rd-trust-list{list-style:none;margin-inline:auto;padding:20px 0;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px 32px;}
.rd-trust-list li{display:flex;flex-direction:column;padding-left:16px;border-left:2px solid var(--wc-brass-500);}
.rd-trust-list b{font:600 16px/22px "Figtree",system-ui,sans-serif;color:var(--wc-navy-950);}
.rd-trust-list span{font-size:15px;line-height:23px;color:var(--wc-ink-900);}
.rd-trust-list a{color:var(--wc-navy-800);font-weight:600;display:inline-flex;align-items:center;min-height:45px;margin:-11px 0;}
@media (max-width:1023px){.rd-trust-list{grid-template-columns:repeat(2,minmax(0,1fr));}}
@media (max-width:479px){.rd-trust-list{grid-template-columns:1fr;}}

/* Service cards: rounded, bordered, the whole card is the link, arrow on every card. */
.rd-cards-sec{padding-top:44px;}
.rd-cards-sec h2{margin-bottom:28px;}
.rd-card-grid{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(6,minmax(0,1fr));gap:16px;}
.rd-card{display:flex;flex-direction:column;height:100%;background:var(--wc-white);border:1px solid var(--wc-line);border-radius:14px;
  padding:22px 20px 20px;color:var(--wc-ink-900);text-decoration:none;transition:border-color 160ms ease;}
.rd-card:hover{border-color:var(--wc-navy-800);}
.rd-card .rd-ico{width:72px;height:72px;margin-bottom:16px;}
.rd-card-t{font:600 20px/26px "Newsreader",Georgia,serif;color:var(--wc-navy-950);letter-spacing:-.01em;}
.rd-card-d{margin-top:8px;font-size:16px;line-height:25px;}
.rd-card-go{margin-top:auto;padding-top:16px;font:600 16px/22px "Figtree",system-ui,sans-serif;color:var(--wc-navy-800);display:flex;justify-content:space-between;align-items:center;}
.rd-card-go .rd-arrow{font-size:20px;}
.rd-card:hover .rd-card-go .rd-arrow{transform:translateX(3px);}
@media (max-width:1179px){.rd-card-grid{grid-template-columns:repeat(3,minmax(0,1fr));}}
@media (max-width:767px){.rd-card-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;}.rd-card{padding:18px 16px;}.rd-card .rd-ico{width:60px;height:60px;}
  .rd-card-t{font-size:19px;line-height:25px;}}
.rd-more3{margin-top:32px;}
.rd-res-img{border-radius:12px;}
@media (prefers-reduced-motion:reduce){.rd-card{transition:none;}}

/* ===================== VERTICAL PAGES (Oct 23 2026) ===================== */
/* Wolf: a page and a conversion for each vertical, "not an exact copy", no AI images. Icons are the
   hand-drawn SVG set (rd_icons.py); cards follow the v4 homepage cards. */
.rd-phero-img{border-radius:16px;}
.rd-opt-grid{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;}
.rd-opt{display:flex;flex-direction:column;height:100%;background:var(--wc-white);border:1px solid var(--wc-line);border-radius:14px;
  padding:22px 22px 20px;color:var(--wc-ink-900);text-decoration:none;transition:border-color 160ms ease;}
a.rd-opt:hover{border-color:var(--wc-navy-800);}
.rd-opt .rd-ico{width:56px;height:56px;margin-bottom:14px;flex:none;}
.rd-opt-t{font:600 21px/27px "Newsreader",Georgia,serif;color:var(--wc-navy-950);letter-spacing:-.01em;}
.rd-opt-d{margin-top:8px;font-size:16px;line-height:25px;}
.rd-opt-go{margin-top:auto;padding-top:16px;font:600 16px/22px "Figtree",system-ui,sans-serif;color:var(--wc-navy-800);display:flex;justify-content:space-between;align-items:center;}
a.rd-opt:hover .rd-opt-go .rd-arrow{transform:translateX(3px);}
.rd-band .rd-opt{background:var(--wc-cream-50);}
@media (max-width:1023px){.rd-opt-grid{grid-template-columns:repeat(2,minmax(0,1fr));}}
@media (max-width:767px){.rd-opt-grid{grid-template-columns:1fr;gap:12px;}.rd-opt{flex-direction:row;flex-wrap:wrap;align-items:center;column-gap:16px;padding:18px;}
  .rd-opt .rd-ico{width:48px;height:48px;margin:0;}.rd-opt-t{flex:1;min-width:0;font-size:20px;line-height:26px;}
  .rd-opt-d,.rd-opt-go{flex-basis:100%;}.rd-opt-go{padding-top:12px;}}

/* Conversion blocks: big icon, kicker, heading, approved paragraphs, buttons. */
.rd-block-in{display:grid;grid-template-columns:120px minmax(0,760px);column-gap:40px;align-items:start;}
.rd-block-ico .rd-ico{width:96px;height:96px;}
.rd-kicker{margin:0 0 10px;font:600 16px/22px "Figtree",system-ui,sans-serif;color:var(--wc-navy-800);letter-spacing:.01em;}
.rd-block-t{margin:20px 0 0;font-size:19px;line-height:31px;}
.rd-block .rd-fine{max-width:none;}
.rd-block .rd-cta{margin-top:28px;}
@media (max-width:767px){.rd-block-in{grid-template-columns:1fr;row-gap:16px;}.rd-block-ico .rd-ico{width:72px;height:72px;}}

/* "Not sure which ... is right for you?" band. */
.rd-help{padding:0 0 96px;}
.rd-help-in{background:var(--wc-white);border:1px solid var(--wc-line);border-radius:16px;padding:48px 32px;text-align:center;}
.rd-main .rd-help h2{font-size:34px;line-height:40px;}
.rd-help p{margin:14px auto 0;max-width:620px;font-size:18px;line-height:29px;}
.rd-help .rd-btn{margin-top:24px;}
@media (max-width:767px){.rd-help{padding-bottom:64px;}.rd-help-in{padding:32px 20px;}.rd-main .rd-help h2{font-size:28px;line-height:34px;}.rd-help .rd-btn{width:100%;}}
.rd-opts + .rd-help{padding-top:0;}

/* Group health / group life sections. */
.rd-grp-head{display:grid;grid-template-columns:80px minmax(0,760px);column-gap:28px;align-items:start;}
.rd-grp-head .rd-ico{width:80px;height:80px;}
.rd-grp-cols{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:48px;margin-top:48px;}
.rd-grp-cols h3{font-size:22px;line-height:28px;}
.rd-ticks,.rd-nums{margin:16px 0 0;padding:0;list-style:none;border-top:1px solid var(--wc-line);}
.rd-ticks li,.rd-nums li{padding:14px 0;border-bottom:1px solid var(--wc-line);font-size:17px;line-height:27px;}
.rd-ticks li{padding-left:30px;position:relative;}
.rd-ticks li::before{content:"";position:absolute;left:4px;top:22px;width:12px;height:2px;background:var(--wc-brass-500);}
.rd-nums{counter-reset:n;}
.rd-nums li{counter-increment:n;padding-left:40px;position:relative;}
.rd-nums li::before{content:counter(n,decimal-leading-zero);position:absolute;left:0;top:14px;font:600 17px/27px "Newsreader",Georgia,serif;color:var(--wc-navy-800);}
.rd-chips{list-style:none;margin:20px 0 0;padding:0;display:flex;flex-wrap:wrap;gap:10px;}
.rd-chips li{padding:8px 16px;border:1px solid var(--wc-line);border-radius:999px;background:var(--wc-white);font:600 16px/22px "Figtree",system-ui,sans-serif;color:var(--wc-navy-950);}
.rd-band .rd-chips li{background:var(--wc-cream-50);}
@media (max-width:767px){.rd-grp-head{grid-template-columns:1fr;row-gap:16px;}.rd-grp-head .rd-ico{width:64px;height:64px;}.rd-grp-cols{grid-template-columns:1fr;gap:32px;margin-top:32px;}}

/* Life FAQ inside the redesign shell. */
.rd-faq{padding-top:0;}
.rd-faq h2{font-family:"Newsreader",Georgia,serif;font-weight:600;color:var(--wc-navy-950);}
.rd-legal-list li{font-size:15px;}
@media (prefers-reduced-motion:reduce){.rd-opt{transition:none;}}
.rd-main .lq-faq .label{font-size:15px;line-height:23px;}

/* Second pass (Oct 23): richer hand-drawn illustrations on the homepage cards and the help bands. */
.rd-illo{display:block;flex:none;}
.rd-card .rd-illo{width:88px;height:88px;margin:-6px 0 10px -6px;}
.rd-help-art{display:flex;justify-content:center;margin:-8px 0 8px;}
.rd-help-art .rd-illo{width:112px;height:112px;}
.rd-opts .rd-sec-head .rd-kicker + h2{margin-top:0;}
.rd-opts + .rd-opts{padding-top:0;}
@media (max-width:767px){.rd-card .rd-illo{width:72px;height:72px;}.rd-help-art .rd-illo{width:92px;height:92px;}}

/* ===================== CONSOLIDATION (Oct 23 2026) ===================== */
/* Wolf's mockup: three paths (Personal, Business, Medicare) sitting on the hero edge, then Popular solutions.
   The single ZIP + dropdown bar is replaced by a dedicated button per customer type. */
.rd-sr{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0;}
.rd-hero5 .rd-hero4-in{padding:72px 0 136px;}
.rd-hero5 h1{font-size:58px;line-height:62px;max-width:700px;}
.rd-paths-sec{position:relative;z-index:2;margin-top:-96px;}
.rd-path-grid{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;}
.rd-path{display:flex;flex-direction:column;align-items:center;text-align:center;height:100%;background:var(--wc-white);
  border:1px solid var(--wc-line);border-radius:16px;padding:28px 26px 26px;color:var(--wc-ink-900);text-decoration:none;
  box-shadow:0 10px 30px rgba(14,26,43,.08);transition:border-color 160ms ease;}
.rd-path:hover{border-color:var(--wc-navy-800);}
.rd-path .rd-illo{width:96px;height:96px;margin-bottom:12px;}
.rd-path-t{font:600 26px/32px "Newsreader",Georgia,serif;color:var(--wc-navy-950);letter-spacing:-.01em;}
.rd-path-d{margin-top:8px;font-size:17px;line-height:27px;max-width:320px;}
.rd-path-go{margin-top:auto;}
.rd-path .rd-path-go{margin-top:22px;width:100%;}
.rd-path:hover .rd-path-go{background:var(--wc-navy-950);}
.rd-paths-sec + .rd-trust{margin-top:48px;}
.rd-pop-sec{padding-top:72px;}
.rd-pop-sec h2{margin-bottom:28px;}
.rd-pop-grid{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px;}
.rd-pop{display:flex;align-items:flex-start;gap:14px;height:100%;background:var(--wc-white);border:1px solid var(--wc-line);border-radius:14px;
  padding:18px;color:var(--wc-ink-900);text-decoration:none;}
.rd-pop:hover{border-color:var(--wc-navy-800);}
.rd-pop .rd-ico{width:48px;height:48px;flex:none;}
.rd-pop b{display:block;font:600 18px/24px "Figtree",system-ui,sans-serif;color:var(--wc-navy-950);}
.rd-pop small{display:block;margin-top:4px;font-size:16px;line-height:24px;}
.rd-pop > .rd-arrow{margin-left:auto;color:var(--wc-navy-800);font-size:20px;align-self:center;}
.rd-more-links{display:flex;flex-wrap:wrap;gap:8px 32px;margin:24px 0 0;}
.rd-more-links a{display:inline-flex;align-items:center;gap:8px;min-height:45px;font:600 17px/24px "Figtree",system-ui,sans-serif;color:var(--wc-navy-800);text-decoration:underline;text-underline-offset:4px;}
@media (max-width:1179px){.rd-hero5 .rd-hero4-in{padding:56px 0 48px;}.rd-paths-sec{margin-top:32px;}.rd-pop-grid{grid-template-columns:repeat(2,minmax(0,1fr));}}
@media (max-width:1023px){.rd-path-grid{grid-template-columns:1fr;}.rd-path{flex-direction:row;flex-wrap:wrap;text-align:left;align-items:center;column-gap:18px;}
  .rd-path .rd-illo{width:72px;height:72px;margin:0;}.rd-path-t{flex:1;min-width:0;}.rd-path-d{flex-basis:100%;max-width:none;margin-top:10px;}}
@media (max-width:767px){.rd-hero5 h1{font-size:42px;line-height:46px;}.rd-pop-grid{grid-template-columns:1fr;}.rd-path-t{font-size:23px;line-height:28px;}}
@media (prefers-reduced-motion:reduce){.rd-path{transition:none;}}
.rd-main > .rd-trust,.rd-main > .rd-paths-sec{padding:0;}

/* Industry pages (Oct 23 2026): hand-drawn hero illustration instead of a stock photo. */
.rd-phero-art{grid-column:7/13;display:flex;align-items:center;justify-content:center;background:var(--wc-white);border:1px solid var(--wc-line);border-radius:16px;aspect-ratio:4/3;}
.rd-phero-art .rd-illo{width:min(300px,70%);height:auto;}
.rd-main .rd-h3{font-family:"Figtree",system-ui,sans-serif;font-weight:600;font-size:22px;line-height:28px;letter-spacing:-.01em;}
@media (max-width:1023px){.rd-phero-art{grid-column:1;margin-top:40px;}}
@media (max-width:767px){.rd-phero-art{margin-top:28px;aspect-ratio:16/10;}}

/* Life type pages (Oct 24 2026): the type's own hand-drawn icon, large, in the hero panel. */
.rd-phero-art-ico .rd-ico{width:min(200px,50%);height:auto;}
.rd-grp-cols h2{font-size:34px;line-height:40px;margin-bottom:16px;}
.rd-grp-cols > div > p:not(.rd-kicker){margin:12px 0 0;font-size:18px;line-height:29px;}
@media (max-width:767px){.rd-grp-cols h2{font-size:28px;line-height:34px;}}

/* Industry landing pages (Oct 25 2026): full-width real photo hero with a dark fade, copy on the left. */
.rd-lhero{position:relative;isolation:isolate;overflow:hidden;background:var(--wc-navy-950);color:#FFFFFF;min-height:clamp(520px,44vw,640px);display:grid;align-content:center;}
.rd-lhero-media{position:absolute;inset:0;z-index:-1;}
.rd-lhero-media img{display:block;width:100%;height:100%;object-fit:cover;}
.rd-lhero-media::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(10,22,40,.94) 0,rgba(10,22,40,.9) 46%,rgba(10,22,40,.5) 70%,rgba(10,22,40,0) 88%);}
.rd-lhero-in{padding:72px 0;}
.rd-lhero-copy{max-width:640px;}
.rd-lhero h1{font-family:"Newsreader",Georgia,serif;font-weight:600;color:#FFFFFF;margin:0;font-size:60px;line-height:62px;letter-spacing:-.025em;text-wrap:balance;}
.rd-lhero .rd-lead{color:#EEF1F5;max-width:560px;}
.rd-lhero .crumbs{font-size:16px;color:#E3E7EC;margin:0 0 20px;}
.rd-lhero .crumbs a{color:#FFFFFF;min-height:45px;display:inline-flex;align-items:center;}
.rd-lhero .crumbs .sep{color:#E3E7EC;}
.rd-lhero .rd-btn-p{background:var(--wc-cream-50);color:var(--wc-navy-950);}
.rd-lhero .rd-btn-s{color:#FFFFFF;border-color:#FFFFFF;}
.rd-lhero .rd-or{color:#E3E7EC;max-width:480px;}
.rd-lhero .rd-or a{color:#FFFFFF;font-weight:600;}
.rd-opt-illo{width:72px;height:72px;flex:none;margin-bottom:12px;}
.rd-guide-src{font-size:16px;line-height:26px;margin-top:0;padding-bottom:32px;}
@media (max-width:1023px){
  .rd-lhero{align-content:start;min-height:0;}
  .rd-lhero-media{position:relative;z-index:0;aspect-ratio:16/9;}
  .rd-lhero-media::after{background:linear-gradient(180deg,rgba(10,22,40,0) 55%,rgba(10,22,40,1) 100%);}
  .rd-lhero-in{padding:28px 0 48px;}
}
@media (max-width:767px){
  .rd-lhero h1{font-size:44px;line-height:46px;letter-spacing:-.02em;}
  .rd-lhero-media{aspect-ratio:4/3;}
}

/* Vertical landing heroes (Oct 26 2026): inset variant, the photo starts where the copy column ends. */
.rd-lhero--inset .rd-lhero-media{left:calc(max(32px, (100vw - 1200px) / 2) + 600px);}
.rd-lhero--inset .rd-lhero-media::after{background:linear-gradient(90deg,rgba(10,22,40,1) 0,rgba(10,22,40,.55) 64px,rgba(10,22,40,0) 180px);}
.rd-lhero--inset .rd-lhero-copy{max-width:560px;}
@media (max-width:1023px){
  .rd-lhero--inset .rd-lhero-media{left:auto;}
  .rd-lhero--inset .rd-lhero-media::after{background:linear-gradient(180deg,rgba(10,22,40,0) 55%,rgba(10,22,40,1) 100%);}
  .rd-lhero--inset .rd-lhero-copy{max-width:640px;}
}

/* Oct 26 2026 (Wolf 1:43-1:45pm PT): one photo, no hard edge, and the fade colour taken from the photo (--tint, "R G B"). */
.rd-lhero{background:rgb(var(--tint, 10 22 40));}
.rd-lhero-media::after{background:linear-gradient(90deg,rgb(var(--tint, 10 22 40) / .96) 0,rgb(var(--tint, 10 22 40) / 0.93) 50%,rgb(var(--tint, 10 22 40) / 0.89) 55%,rgb(var(--tint, 10 22 40) / 0.785) 60%,rgb(var(--tint, 10 22 40) / 0.636) 65%,rgb(var(--tint, 10 22 40) / 0.465) 70%,rgb(var(--tint, 10 22 40) / 0.294) 75%,rgb(var(--tint, 10 22 40) / 0.145) 80%,rgb(var(--tint, 10 22 40) / 0.04) 85%,rgb(var(--tint, 10 22 40) / 0) 90%);}
.rd-lhero--inset .rd-lhero-media{left:calc(max(32px, (100vw - 1200px) / 2) + 340px);}
.rd-lhero--inset .rd-lhero-media img{-webkit-mask-image:linear-gradient(90deg,transparent 0,#000 46%);mask-image:linear-gradient(90deg,transparent 0,#000 46%);}
.rd-lhero--inset .rd-lhero-media::after{background:linear-gradient(90deg,rgb(var(--tint, 10 22 40) / .9) 0,rgb(var(--tint, 10 22 40) / .55) 26%,rgb(var(--tint, 10 22 40) / 0) 52%);}
@media (max-width:1023px){
  .rd-lhero-media::after,.rd-lhero--inset .rd-lhero-media::after{background:linear-gradient(180deg,rgb(var(--tint, 10 22 40) / 0) 55%,rgb(var(--tint, 10 22 40) / 1) 100%);}
  .rd-lhero--inset .rd-lhero-media{left:auto;}
  .rd-lhero--inset .rd-lhero-media img{-webkit-mask-image:none;mask-image:none;}
}

/* Oct 27 2026 (Dave 8:15am PHT): the fade tail is eased (smoothstep .93 -> 0 over 640px desktop / 50%-90% below
   1024px) instead of three straight segments, so there is no visible edge where the tint starts to clear. */
/* Oct 27 2026 (Wolf 12:25am PT): every landing hero is one full-width photo ("you can still see the whole image") under
   the colour-matched fade. Desktop stops are anchored to where the copy column ends, not to a percentage, so the
   text keeps its contrast at 1024px as well as at 1440px and the photo opens up right after the text. */
@media (min-width:1024px){
  .rd-lhero-media::after{background:linear-gradient(90deg,rgb(var(--tint, 10 22 40) / .96) 0,rgb(var(--tint, 10 22 40) / 0.93) calc(max(32px, (100vw - 1200px) / 2) + 620px),rgb(var(--tint, 10 22 40) / 0.89) calc(max(32px, (100vw - 1200px) / 2) + 700px),rgb(var(--tint, 10 22 40) / 0.785) calc(max(32px, (100vw - 1200px) / 2) + 780px),rgb(var(--tint, 10 22 40) / 0.636) calc(max(32px, (100vw - 1200px) / 2) + 860px),rgb(var(--tint, 10 22 40) / 0.465) calc(max(32px, (100vw - 1200px) / 2) + 940px),rgb(var(--tint, 10 22 40) / 0.294) calc(max(32px, (100vw - 1200px) / 2) + 1020px),rgb(var(--tint, 10 22 40) / 0.145) calc(max(32px, (100vw - 1200px) / 2) + 1100px),rgb(var(--tint, 10 22 40) / 0.04) calc(max(32px, (100vw - 1200px) / 2) + 1180px),rgb(var(--tint, 10 22 40) / 0) calc(max(32px, (100vw - 1200px) / 2) + 1260px));}
}


/* Oct 27 2026 (Dave: "the site it's kinda laggy"). 1) Hero photos are served as AVIF (about a quarter of the JPEG
   weight) with the JPEG as fallback; <picture> must not become a box of its own inside the hero media.
   2) The sticky header's backdrop blur repainted the header on every scroll frame over the full-width photos; its
   background was already 97% opaque, so it is now the same colour, solid, with no blur. */
.rd-lhero-media picture,.rd-hero4-media picture{display:contents;}
nav.fx-nav{background:rgb(252,251,250);-webkit-backdrop-filter:none;backdrop-filter:none;}


/* Oct 27 2026: Get Started step 1 = one 3-column category grid (Wolf's reference): homepage illustration left,
   name and line in the middle, the tick (business tiles) or an arrow (link tiles) top right. Selection still runs
   through .pick-box + .pick.on (script.js). */
.gs-shell{max-width:1080px;}
.gs-shell .fstep > *{max-width:760px;}
.gs-shell .fstep > .picker-form{max-width:none;}
.gs-grid .pcell{display:flex;}
.gs-tile{display:grid;grid-template-columns:64px minmax(0,1fr) auto;align-items:start;gap:16px;
  padding:20px 18px 20px 20px;min-height:132px;flex:1;text-decoration:none;color:inherit;}
.gs-tile .gs-art{width:64px;height:64px;display:block;}
.gs-tile .pick-t{gap:5px;}
.gs-tile .pick-box{margin:2px 0 0;}
.gs-how{margin-top:6px;font-size:15px;font-weight:600;color:var(--ink-2);}
.gs-arrow{font-size:20px;line-height:22px;color:var(--ink-2);margin-top:1px;}
.gs-go:hover .gs-how,.gs-go:hover .gs-arrow,.gs-go:focus-visible .gs-how,.gs-go:focus-visible .gs-arrow{color:var(--ink);}
@media (max-width:820px){.gs-tile{min-height:0;grid-template-columns:52px minmax(0,1fr) auto;gap:14px;}.gs-tile .gs-art{width:52px;height:52px;}}

/* Oct 27 2026 (Wolf 2:07pm: "not so you scroll down so much kind of like the reference"): Get Started is compact.
   Short hero with the trust points inside it, the form card pulled up over the photo, slimmer tiles. On desktop the
   whole category grid and Continue sit in the first screen at 1440x900. */
.gs-hero{min-height:0;}
.gs-hero .rd-lhero-in{padding:16px 0 118px;}
.gs-hero .crumbs{margin:0 0 6px;}
.gs-hero h1{font-size:52px;line-height:56px;}
.gs-hero .rd-lead{margin-top:6px;}
.gs-trust{list-style:none;margin:14px 0 0;padding:0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:8px 28px;max-width:600px;}
.gs-trust li{display:flex;flex-direction:column;padding-left:12px;border-left:2px solid var(--wc-brass-500);}
.gs-trust b{font:600 15px/21px "Figtree",system-ui,sans-serif;color:#FFFFFF;}
.gs-trust span{font-size:15px;line-height:21px;color:#E3E7EC;}
.gs-trust a{color:#FFFFFF;font-weight:600;}
.gs-shell{padding-top:24px;padding-bottom:28px;margin-top:-140px;position:relative;z-index:2;box-shadow:0 24px 60px -30px rgba(10,22,40,.45);}
.gs-shell .progress{margin-bottom:10px;}
.gs-shell .fstep h2{font-size:32px;line-height:38px;margin:0;}
.gs-shell .fstep.active > .fnav{margin-top:18px;}
.gs-shell .fhint{margin:6px 0 0;}
.gs-grid{gap:10px;margin-top:12px;}
.gs-tile{grid-template-columns:48px minmax(0,1fr) auto;gap:14px;padding:12px 16px;min-height:0;}
.gs-tile .gs-art{width:48px;height:48px;}
.gs-tile .pick-t{gap:3px;}
@media (max-width:1023px){
  .gs-hero .rd-lhero-media{aspect-ratio:21/9;}
  .gs-hero .rd-lhero-in{padding:20px 0 28px;}
  .gs-hero h1{font-size:40px;line-height:44px;}
  .gs-trust{grid-template-columns:repeat(2,minmax(0,1fr));}
  .gs-shell{margin-top:0;}
}
@media (max-width:820px){.gs-tile{grid-template-columns:44px minmax(0,1fr) auto;}.gs-tile .gs-art{width:44px;height:44px;}}

/* Oct 27 2026: Get Started in two labelled groups (business 4 across, family 3 across). */
.gs-gh{font:600 20px/26px "Figtree",system-ui,sans-serif;color:var(--wc-navy-950);margin:22px 0 0;}
.gs-shell .fstep.active > .gs-gh:first-of-type{margin-top:14px;}
.gs-shell .fstep > .gs-gh + .fhint{margin-top:2px;}
.gs-grid.gs-4{grid-template-columns:repeat(4,minmax(0,1fr));}
.gs-grid.gs-3{grid-template-columns:repeat(3,minmax(0,1fr));}
.gs-shell .fstep.active > .privacy-note{margin-top:10px;}
@media (max-width:1100px){.gs-grid.gs-4{grid-template-columns:repeat(2,minmax(0,1fr));}}
@media (max-width:820px){.gs-grid.gs-4,.gs-grid.gs-3{grid-template-columns:1fr;}}

/* Oct 28 2026: thank-you page (Wolf 1:18am reference). Navy band, brass check, three next steps, cross-links.
   Contrast: white on #0E1A2B 17.48:1, #D5DCE5 on #0E1A2B 12.65:1, navy on #C9A469 7.49:1. */
.ty-hero{background:#0E1A2B;color:#fff;text-align:center;padding:64px 0 96px;}
.ty-hero-in{display:flex;flex-direction:column;align-items:center;}
.ty-check svg{width:64px;height:64px;fill:none;stroke:#C9A469;stroke-width:2.4;stroke-linecap:round;stroke-linejoin:round;}
.ty-hero h1{margin:16px 0 8px;font-family:"Newsreader",Georgia,serif;font-weight:600;font-size:clamp(40px,6vw,60px);line-height:1.05;color:#fff;}
.ty-lead{margin:0 0 8px;font-size:20px;font-weight:600;color:#fff;}
.ty-sub{margin:0 auto 26px;max-width:560px;font-size:17px;line-height:1.55;color:#D5DCE5;}
.ty-ctas{display:flex;flex-wrap:wrap;gap:12px;justify-content:center;}
.ty-ctas a{display:inline-flex;align-items:center;min-height:48px;padding:0 22px;border-radius:2px;font-weight:600;font-size:16px;text-decoration:none;}
.ty-call{background:#C9A469;color:#0E1A2B;}
.ty-call:hover,.ty-call:focus-visible{background:#B58B4A;}
.ty-home{border:1px solid #fff;color:#fff;}
.ty-home:hover,.ty-home:focus-visible{background:#fff;color:#0E1A2B;}
.ty-main .ty-next{position:relative;margin-top:-56px;background:#fff;border:1px solid #D6D0C7;border-radius:2px;padding:32px clamp(16px,4vw,40px);text-align:center;}
.ty-next h2{margin:0 0 24px;font-family:"Newsreader",Georgia,serif;font-weight:600;font-size:32px;color:#0E1A2B;}
.ty-steps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));}
.ty-steps li{display:flex;flex-direction:column;align-items:center;gap:6px;padding:4px 20px;border-left:1px solid #D6D0C7;}
.ty-steps li:first-child{border-left:0;}
.ty-steps b{font-size:17px;color:#0E1A2B;}
.ty-steps span:last-child{font-size:16px;line-height:1.5;color:#3F4A57;max-width:260px;}
@media(max-width:720px){.ty-steps{grid-template-columns:1fr;gap:18px;}.ty-steps li{border-left:0;border-top:1px solid #D6D0C7;padding-top:16px;}.ty-steps li:first-child{border-top:0;padding-top:0;}}
/* Oct 28 2026: thank-you "Want to speed things up?" rows (only the ones matching the visitor's picks are shown). */
.ty-main .ty-intake{position:relative;margin-top:-56px;margin-bottom:28px;background:#fff;border:1px solid #D6D0C7;border-top:4px solid #C9A469;border-radius:2px;padding:28px clamp(16px,4vw,40px);}
.ty-main .ty-intake + .ty-next{margin-top:0;}
.ty-intake h2{margin:0 0 6px;font-family:"Newsreader",Georgia,serif;font-weight:600;font-size:30px;color:#0E1A2B;}
.ty-intake-lead{margin:0 0 18px;font-size:16px;line-height:1.5;color:#3F4A57;}
.ty-intake-list{list-style:none;margin:0;padding:0;display:grid;gap:10px;}
.ty-intake-list a{display:flex;align-items:center;gap:16px;min-height:72px;padding:12px 16px;border:1px solid #D6D0C7;border-radius:2px;color:#2A2A2A;text-decoration:none;}
.ty-intake-list a:hover,.ty-intake-list a:focus-visible{border-color:#12305A;background:#F8F4F0;}
.ty-in-t{display:flex;flex-direction:column;gap:2px;flex:1;}
.ty-in-t b{font-size:17px;color:#0E1A2B;}
.ty-in-t span{font-size:16px;color:#3F4A57;}
.ty-go{font-size:20px;color:#12305A;}
/* Oct 28 2026: "How would you like to proceed?" under the Get Started tiles (Wolf 2:51am reference). */
.gs-proceed{margin:22px 0 4px;padding:18px 0 0;border:0;border-top:1px solid var(--wc-line,#D6D0C7);}
.gs-proceed legend{padding:0;margin-bottom:10px;font:600 20px/26px "Figtree",system-ui,sans-serif;color:#0E1A2B;}
.gs-radio{display:flex;align-items:flex-start;gap:12px;min-height:48px;padding:8px 0;cursor:pointer;}
.gs-radio[hidden]{display:none;}
.gs-radio input{width:20px;height:20px;margin:3px 0 0;accent-color:#12305A;flex:none;}
.gs-radio span{display:flex;flex-direction:column;gap:2px;}
.gs-radio b{font-size:17px;font-weight:600;color:#0E1A2B;}
.gs-radio small{font-size:16px;color:#3F4A57;}
.gs-online{margin:14px 0 6px;padding:18px;border:1px solid #D6D0C7;border-left:4px solid #C9A469;border-radius:2px;background:#F8F4F0;}
.gs-online-h{margin:0 0 10px;font:600 18px/24px "Figtree",system-ui,sans-serif;color:#0E1A2B;}
.gs-online ul{list-style:none;margin:0 0 8px;padding:0;display:grid;gap:8px;}
.gs-online a{display:flex;flex-direction:column;gap:2px;min-height:56px;padding:10px 14px;background:#fff;border:1px solid #D6D0C7;border-radius:2px;color:#2A2A2A;text-decoration:none;}
.gs-online a:hover,.gs-online a:focus-visible{border-color:#12305A;}
.gs-online a b{font-size:17px;color:#0E1A2B;}
.gs-online a span{font-size:16px;color:#3F4A57;}

/* ── Partner With Us (Oct 28 2026): partners, agents, referral partners, the four-step application ── */
.rd-steps-4{grid-template-columns:repeat(4,minmax(0,1fr));gap:32px;}
@media (max-width:1023px){.rd-steps-4{grid-template-columns:repeat(2,minmax(0,1fr));}}
@media (max-width:767px){.rd-steps-4{grid-template-columns:1fr;}}
.pa-note-sec{padding-top:0;}
.pa-note{background:var(--wc-white);border:1px solid var(--wc-line);border-left:4px solid var(--wc-navy-800);padding:24px 28px;max-width:860px;}
.pa-note p{margin:10px 0 0;font-size:18px;line-height:29px;}
.pa-aside{margin:16px 0 0;font-size:17px;line-height:27px;}
.pa-hero{background:var(--wc-cream-50);padding:40px 0 8px;}
.pa-hero .crumbs{font-size:16px;color:var(--wc-ink-900);margin:0 0 16px;}
.pa-hero .crumbs a{color:var(--wc-navy-800);min-height:45px;display:inline-flex;align-items:center;}
.pa-hero h1{font-family:"Newsreader",Georgia,serif;font-weight:600;color:var(--wc-navy-950);font-size:clamp(36px,5vw,52px);line-height:1.08;margin:0;}
.pa-sec{padding-top:24px;}
.pa-form{background:var(--wc-white);border:1px solid var(--wc-line);border-radius:4px;padding:clamp(20px,3vw,40px);max-width:860px;}
.pa-progress-t{margin:0;font-size:16px;font-weight:600;color:var(--wc-navy-950);}
.pa-progress{display:grid;grid-template-columns:repeat(4,1fr);gap:6px;margin:12px 0 0;}
.pa-progress span{height:6px;border-radius:3px;background:var(--wc-line);}
.pa-progress span.on{background:var(--wc-navy-800);}
.pa-req-note{margin:16px 0 0;font-size:16px;color:#3F4A57;}
.pa-star{color:var(--wc-error);font-weight:700;}
.pa-step,.pa-group{border:0;margin:0;padding:0;min-width:0;}
.pa-legend{display:block;padding:0;margin:28px 0 0;font-family:"Newsreader",Georgia,serif;font-weight:600;font-size:30px;line-height:36px;color:var(--wc-navy-950);}
.pa-legend:focus{outline:none;}
.pa-label,.pa-form .field label{font-size:16px;font-weight:600;color:var(--wc-navy-950);padding:0;}
.pa-form .field input,.pa-form .field select,.pa-form .field textarea{border-color:var(--wc-field-border);}
.pa-type{margin-top:24px;}
.pa-choice{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin-top:10px;}
.pa-opt{display:flex;align-items:flex-start;gap:12px;min-height:64px;padding:14px 16px;border:1.5px solid var(--wc-field-border);border-radius:4px;cursor:pointer;background:var(--wc-white);}
.pa-opt input{width:20px;height:20px;margin:3px 0 0;flex:0 0 auto;accent-color:var(--wc-navy-800);}
.pa-opt b{display:block;font-size:17px;color:var(--wc-navy-950);}
.pa-opt small{display:block;font-size:16px;line-height:24px;color:#3F4A57;}
.pa-opt:has(input:checked){border-color:var(--wc-navy-800);box-shadow:inset 0 0 0 1px var(--wc-navy-800);background:#F3F6FA;}
@media (max-width:640px){.pa-choice{grid-template-columns:1fr;}}
.pa-msg{margin:6px 0 0;font-size:16px;line-height:24px;font-weight:600;color:var(--wc-error);}
.pa-bad{outline:2px solid var(--wc-error);outline-offset:6px;border-radius:2px;}
.pa-err{margin:24px 0 0;padding:12px 16px;font-size:16px;font-weight:600;color:var(--wc-error);background:#FBF1F1;border:1px solid var(--wc-error);border-radius:2px;}
.pa-err:focus{outline:3px solid var(--wc-navy-800);outline-offset:2px;}
.pa-nav{margin-top:32px;}
.pa-back{min-height:48px;padding:0 16px;background:none;border:0;font:inherit;font-size:16px;font-weight:600;color:var(--wc-navy-800);text-decoration:underline;text-underline-offset:4px;cursor:pointer;}
.pa-review{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.4fr);margin:20px 0 0;border-top:1px solid var(--wc-line);}
.pa-review dt,.pa-review dd{margin:0;padding:12px 0;border-bottom:1px solid var(--wc-line);font-size:16px;line-height:24px;overflow-wrap:anywhere;}
.pa-review dt{font-weight:600;color:var(--wc-navy-950);padding-right:16px;}
@media (max-width:640px){.pa-review{grid-template-columns:1fr;}.pa-review dt{border-bottom:0;padding-bottom:0;}}
.pa-privacy{margin-top:24px;padding:20px;background:var(--wc-cream-50);border:1px solid var(--wc-line);}
.pa-privacy p{margin:0;font-size:16px;line-height:26px;}
.pa-ack{margin-top:14px;align-items:flex-start;}
.pa-ack input{margin-top:3px;}
.pa-hp{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden;}
.pa-noscript{font-size:17px;}
.pa-sub{margin:16px 0 0;font-size:16px;font-weight:600;color:#3F4A57;}
.pa-group .pa-sub:first-of-type{margin-top:8px;}