.breadcrumb{font-size:11px;color:#5e6b75;padding-top:28px;line-height:1.8}.breadcrumb a:hover{text-decoration:underline}.page-hero{margin-top:24px;border-radius:30px;background:#081b29;display:grid;grid-template-columns:1.15fr 1fr;overflow:hidden;min-height:410px}.page-hero .hero-copy{padding:45px 50px}.page-hero h1{font-size:54px;line-height:1.07;letter-spacing:-2px;max-width:620px}.page-hero .eyebrow{color:#c5a65c}.page-hero .btn{margin-top:25px}.page-photo{min-height:410px}.page-photo img{width:100%;height:100%;object-fit:cover}.page-columns{display:grid;grid-template-columns:1.3fr 1fr;gap:70px;align-items:start}.page-columns article>p:not(.eyebrow),.article-body>p:not(.eyebrow){font-size:14px;color:#5e6b75;margin-top:20px;line-height:1.9}.page-columns h3{font-size:23px;font-weight:500;letter-spacing:-.6px;margin:27px 0 14px}.page-columns ul{padding-left:20px;color:#5e6b75;font-size:14px;line-height:2}.checklist{border:1px solid #d2e0d0;border-radius:24px;background:#eef3e8;padding:30px}.checklist h3{margin-top:10px}.checklist p{font-size:12px;color:#52644d;margin:18px 0}.checklist .btn{font-size:12px;padding:15px 20px;margin-top:10px}.page-callout{background:#edf3f7;border-radius:24px;padding:30px 40px;margin-top:60px}.page-callout h2{font-size:29px}.page-callout p{color:#5e6b75;font-size:13px;margin:15px 0}.related-grid,.resource-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.resource-card{border:1px solid #dfe5e7;border-radius:23px;background:#fff;padding:28px;display:block;transition:transform .2s,border-color .2s}.resource-card:hover{border-color:#8ca6b5;transform:translateY(-3px)}.resource-card h3{font-size:23px;font-weight:500;letter-spacing:-.7px;margin:17px 0 12px}.resource-card p{font-size:13px;line-height:1.8;color:#5e6b75}.resource-card .text-link{font-size:12px;margin-top:23px;overflow-wrap:anywhere;word-break:break-word}.resource-card .tag{text-transform:uppercase}.article-body{max-width:850px;padding-bottom:40px}.article-body ol{margin-top:28px;padding-left:26px}.article-body li{font-size:16px;line-height:1.9;margin-bottom:21px;color:#536676}.article-body .btn{margin-top:26px}.search-label{font-size:13px;font-weight:600;display:block;margin-bottom:12px}.resource-search{width:100%;max-width:620px;border:1px solid #b8cbd5;background:white;border-radius:99px;padding:17px 22px;font-size:14px}.resource-search:focus-visible{outline:3px solid #217caa;outline-offset:3px}#search-count{font-size:12px;color:#5e6b75;margin:16px 0 22px}.service-form{display:flex;flex-direction:column;gap:12px;margin-top:28px}.service-form label{font-size:13px;font-weight:600;margin-top:7px}.service-form input,.service-form select,.service-form textarea{border:1px solid #c5d7e1;background:#fff;border-radius:12px;padding:15px;font:inherit;width:100%;color:#081b29}.service-form select:focus-visible,.service-form textarea:focus-visible{outline:3px solid #217caa;outline-offset:3px}.service-form .btn{align-self:start;margin-top:12px}.request-preview{padding:24px;border:1px solid #c5d7e1;border-radius:20px;background:#edf3f7;margin-top:25px}.request-preview h3{margin-top:0}.request-preview pre{white-space:pre-wrap;overflow-wrap:anywhere;font:13px/1.8 Arial,sans-serif}.request-preview p{font-size:12px;color:#5e6b75;margin-top:16px}main{padding-bottom:60px}.header nav a[aria-current=page]{color:#217caa;text-decoration:underline;text-underline-offset:5px}
@media(max-width:1050px){.page-hero h1{font-size:45px}.page-hero .hero-copy{padding:35px}.page-columns{gap:35px}.related-grid,.resource-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:760px){.page-hero{grid-template-columns:1fr;border-radius:24px}.page-hero .hero-copy{padding:30px 25px}.page-hero h1{font-size:39px;letter-spacing:-1.6px}.page-photo{min-height:230px;height:230px}.page-hero .btn{font-size:12px;max-width:100%;gap:12px}.page-columns{grid-template-columns:1fr;gap:28px}.related-grid,.resource-grid{grid-template-columns:1fr}.page-callout{padding:25px}.resource-card{padding:25px}.checklist{padding:25px}.article-body ol{padding-left:22px}.article-body li{font-size:14px}.service-form .btn,.request-preview .btn{font-size:12px;gap:12px;max-width:100%}.breadcrumb{padding-top:20px}}
@media(prefers-reduced-motion:reduce){.resource-card{transition:none}.resource-card:hover{transform:none}}

.finder-intro{color:#5e6b75;font-size:14px;margin:20px 0 28px;max-width:680px}.finder-options{display:grid;grid-template-columns:repeat(5,1fr);gap:12px}.finder-option{border:1px solid #b9cbb7;border-radius:18px;padding:24px 20px;background:#fff;color:#081b29;font-family:inherit;font-size:14px;font-weight:600;line-height:1.5;text-align:left;cursor:pointer;display:flex;justify-content:space-between;gap:10px;transition:background .2s,transform .2s}.finder-option[aria-pressed=true]{background:#284b2b;color:white;border-color:#284b2b}.finder-option:hover{transform:translateY(-3px)}.finder-option:focus-visible{outline:3px solid #217caa;outline-offset:4px}.finder-result{background:#eef3e8;border:1px solid #d2e0d0;padding:35px;border-radius:24px;margin-top:25px;min-height:235px}.finder-result h3{font-size:31px;font-weight:500;margin:12px 0}.finder-result>p:not(.eyebrow){font-size:14px;line-height:1.8;color:#52644d}.finder-actions{display:flex;align-items:center;gap:28px;flex-wrap:wrap;margin-top:24px}.finder-result h4{margin-top:30px;font-size:14px}.finder-specific{display:flex;gap:12px;flex-wrap:wrap;margin-top:15px}.finder-specific a{padding:12px 16px;background:white;border:1px solid #cbd9c7;border-radius:99px;font-size:12px}.coverage-faq details{border-bottom:1px solid #d2e0d0;padding:22px 0}.coverage-faq summary{font-size:16px;cursor:pointer;font-weight:600;line-height:1.6}.coverage-faq details p{margin-top:16px;color:#5e6b75;font-size:14px;line-height:1.9}.intake-frame[hidden],[data-quote][hidden]{display:none!important}
@media(max-width:1050px){.finder-options{grid-template-columns:repeat(3,1fr)}}@media(max-width:760px){.finder-options{grid-template-columns:1fr 1fr}.finder-option{padding:18px 15px;font-size:13px}.finder-result{padding:25px}.finder-result h3{font-size:27px}.finder-actions{gap:18px}.finder-actions .btn{font-size:12px}.finder-actions .text-link{font-size:12px}}@media(prefers-reduced-motion:reduce){.finder-option{transition:none}.finder-option:hover{transform:none}}

/* Coverage discussions and browser-local quote preparation. */
.discussion-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin:26px 0}.discussion-card{padding:30px;border:1px solid #d5dfd0;border-radius:24px;background:#eef3e8}.discussion-card h3{font-size:23px;font-weight:500;line-height:1.45;letter-spacing:-.6px;margin-top:18px;max-width:540px}.preparation-layout{display:grid;grid-template-columns:1.5fr 1fr;gap:40px;align-items:start;scroll-margin-top:110px}.preparation-main{padding:35px;background:#fff;border:1px solid #d6e1e7;border-radius:26px}.preparation-main h2{font-size:34px;margin:15px 0 28px}.prepare-select{font:inherit;color:#081b29;border:1px solid #aebfc8;border-radius:12px;background:#fff;padding:15px;width:100%;min-height:48px}.prepare-select:focus-visible{outline:3px solid #217caa;outline-offset:3px}.prepare-note{font-size:13px;line-height:1.8;color:#536676;margin:18px 0}.preparation-main h3{font-size:23px;font-weight:500;line-height:1.4;margin:30px 0 16px}.prepare-checks{border:0;padding:0;margin:22px 0}.prepare-checks legend{font-size:13px;font-weight:600;margin-bottom:12px}.prepare-item{display:flex;align-items:center;gap:15px;padding:16px;margin:10px 0;border:1px solid #d7e1e5;border-radius:14px;background:#f8fafb;font-size:14px;line-height:1.6;cursor:pointer;min-height:60px}.prepare-item input{width:20px;height:20px;accent-color:#284b2b;flex-shrink:0}.prepare-item:has(input:focus-visible){outline:3px solid #217caa;outline-offset:3px}.prepare-item.ready{background:#eef3e8;border-color:#9cb991}.prepare-item.ready span{color:#284b2b}.prepare-tools{display:flex;flex-wrap:wrap;gap:28px;padding-top:20px;border-top:1px solid #d7e1e5}.prepare-tools button{background:none;font:inherit;font-size:13px;padding:10px 0;min-height:44px}.preparation-next{background:#edf3f7;padding:32px;border-radius:26px;border:1px solid #cfdde5;position:sticky;top:110px}.preparation-next h3{font-size:28px;font-weight:500;line-height:1.3;margin:18px 0}.preparation-next p{font-size:14px;color:#536676;line-height:1.8;margin-bottom:22px}.preparation-next a{display:flex;margin-top:18px;min-height:44px;align-items:center;font-size:13px}.preparation-next .btn{gap:12px;justify-content:space-between}.preparation-next .prepare-note{font-size:12px;margin:24px 0 0}#prepare-count{font-size:13px;color:#536676;margin-bottom:12px}#prepare-progress{width:100%;height:10px;border:0;border-radius:99px;overflow:hidden;accent-color:#284b2b;background:#e3ebe0}#prepare-progress::-webkit-progress-bar{background:#e3ebe0}#prepare-progress::-webkit-progress-value{background:#284b2b}#prepare-progress::-moz-progress-bar{background:#284b2b}#prepare-questions{padding-left:20px;font-size:14px;line-height:1.8;color:#536676}#prepare-questions li{margin:14px 0}.print-contact{display:none}
@media(prefers-reduced-motion:no-preference){.prepare-item{transition:background .2s,border-color .2s}.discussion-card{transition:transform .25s}.discussion-card:hover{transform:translateY(-4px)}}
@media(max-width:900px){.preparation-layout{grid-template-columns:1fr}.preparation-next{position:static}.discussion-card h3{font-size:21px}}
@media(max-width:760px){.preparation-main,.preparation-next{padding:24px}.preparation-main h2{font-size:29px}.discussion-grid{grid-template-columns:1fr}.discussion-card{padding:24px}.prepare-item{font-size:13px;padding:14px}.preparation-layout{gap:24px}.preparation-next h3{font-size:26px}}
@media print{body:has(#prepare-sheet){background:#fff;color:#000}body:has(#prepare-sheet) .topline,body:has(#prepare-sheet) .header,body:has(#prepare-sheet) .skip,body:has(#prepare-sheet) footer,body:has(#prepare-sheet) .page-hero,body:has(#prepare-sheet) .preparation-next,body:has(#prepare-sheet) .prepare-tools,body:has(#prepare-sheet) .reading-progress,body:has(#prepare-sheet) .preparation-main>p,body:has(#prepare-sheet) .preparation-main>h2,body:has(#prepare-sheet) .search-label,body:has(#prepare-sheet) .prepare-select{display:none!important}.preparation-layout{display:block;margin:0;padding:0}.preparation-main{padding:0;border:0}.prepare-item{break-inside:avoid}.print-contact{display:block;font-size:12px;margin-top:30px}#prepare-sheet h3{font-size:22px}.prepare-item input{appearance:auto}}

/* Help tools: content remains readable without animation or JavaScript. */
.help-layout{display:grid;grid-template-columns:1.7fr 1fr;gap:45px;align-items:start}.help-search{display:grid;grid-template-columns:1.5fr 1fr;gap:18px}.help-search .resource-search{border-radius:12px;max-width:none;min-height:50px}.help-search .prepare-select{min-height:50px}.help-answers details{padding:0 0 20px;scroll-margin-top:110px}.help-answers summary{font-size:16px;line-height:1.6}.help-answers p{font-size:14px;line-height:1.9;max-width:760px}.help-answers .text-link{font-size:13px;min-height:44px;align-items:center}.help-contact{padding:30px;background:#edf3f7;border:1px solid #cfdde5;border-radius:24px;position:sticky;top:110px}.help-contact h2{font-size:30px;margin-top:17px}.help-contact>p:not(.eyebrow){font-size:14px;line-height:1.8;color:#536676;margin:20px 0}.help-contact a{display:flex;margin-top:18px;min-height:44px;font-size:13px;align-items:center;gap:14px}#faq-count{font-size:13px;color:#536676;margin:20px 0}.help-empty{padding:25px;border:1px solid #cfdde5;border-radius:18px;background:#edf3f7}.help-empty p{margin:14px 0}.help-empty button{background:none;font:inherit;font-size:13px;min-height:44px;padding:10px 0}.service-guidance{border:1px solid #cfdde5;background:#edf3f7;border-radius:18px;padding:22px;margin:8px 0}.service-guidance h3{font-size:21px;margin:0 0 12px}.service-guidance ul{font-size:13px;line-height:1.8;padding-left:18px}.service-guidance li{margin-bottom:8px}.service-guidance a{font-size:12px;min-height:44px;align-items:center}#service-error{font-size:13px;color:#8a291f;background:#fff1ec;padding:14px;border-radius:12px}.changes-layout{display:grid;grid-template-columns:1fr 1.05fr;gap:38px;align-items:start;scroll-margin-top:110px}.situation-options{display:grid;grid-template-columns:1fr 1fr;gap:14px}.situation-option{background:#fff;border:1px solid #c5d7e1;border-radius:18px;padding:22px;text-align:left;font:inherit;font-size:14px;line-height:1.5;color:#081b29;min-height:95px;display:flex;align-items:center;justify-content:space-between;gap:15px;cursor:pointer}.situation-option[aria-pressed=true]{background:#284b2b;color:#fff;border-color:#284b2b}.situation-option:focus-visible{outline:3px solid #217caa;outline-offset:4px}.situation-result{padding:32px;border-radius:24px;border:1px solid #d2e0d0;background:#eef3e8;min-height:320px}.situation-result h3{font-size:30px;line-height:1.3;font-weight:500;margin:17px 0}.situation-result p:not(.eyebrow){font-size:14px;line-height:1.8;color:#52644d}.situation-result ul{padding-left:20px;font-size:14px;line-height:1.8;color:#52644d;margin:22px 0}.situation-result li{margin:10px 0}.situation-result a{display:flex;min-height:44px;align-items:center;font-size:13px;margin-top:15px;gap:12px}.situation-result .prepare-note{font-size:12px;margin-top:24px}
@media(prefers-reduced-motion:no-preference){.situation-option{transition:background .2s,border-color .2s,transform .25s}.situation-option:hover{transform:translateY(-3px)}}
@media(max-width:1000px){.help-layout{grid-template-columns:1.5fr 1fr;gap:25px}.help-search{grid-template-columns:1fr}.changes-layout{gap:25px}.situation-options{grid-template-columns:1fr}.situation-option{min-height:70px}}
@media(max-width:760px){.help-layout,.changes-layout{grid-template-columns:1fr;gap:28px}.help-contact{position:static;padding:25px}.situation-options{grid-template-columns:1fr 1fr;gap:10px}.situation-option{padding:17px;font-size:13px;min-height:95px}.situation-result{padding:25px}.situation-result h3{font-size:26px}.help-answers summary{font-size:14px}.help-answers p{font-size:13px}.help-contact .btn{font-size:12px}.service-guidance{padding:18px}.service-guidance h3{font-size:20px}}

.finder-preparation{margin-top:26px}.finder-preparation h4{font-size:23px;margin:22px 0 14px}.finder-preparation ul{padding-left:24px;color:#43535f;font-size:18px;line-height:1.8}.finder-preparation li{margin:10px 0}.finder-preparation details{margin-top:22px}.finder-result #finder-policy-wrap{margin-top:24px}.finder-result .finder-actions{gap:16px;align-items:stretch}.finder-result .finder-actions a{min-height:56px}.finder-disclaimer{margin-top:24px}.finder-help{margin-top:30px;padding:30px;background:#edf3f7;border:1px solid #aab7bf;border-radius:24px}.finder-help h3{font-size:27px}.finder-help p{margin:18px 0}.finder-help a{margin:10px 16px 0 0}.finder-result h3:focus{outline:0}@media(max-width:760px){.finder-result .finder-actions{flex-direction:column}.finder-result .finder-actions a{width:100%;justify-content:center}.finder-help{padding:24px}.finder-help a{display:flex;justify-content:center;width:100%}}

/* Accessible, progressively enhanced coverage and guide libraries. */
.library-controls{display:grid;grid-template-columns:1.5fr 1fr auto;gap:20px;align-items:end;margin-top:28px}.library-controls[hidden],.resource-card[hidden],.library-empty[hidden]{display:none!important}.library-controls .resource-search{max-width:none;border-radius:12px}.library-controls select,.library-reset{width:100%;min-height:56px;border:1px solid #738895;border-radius:12px;padding:14px;font:inherit;color:#081b29;background:#fff}.library-reset{cursor:pointer;font-weight:600}.library-reset:hover{background:#edf3f7}.library-count{margin:22px 0}.library-empty{padding:24px;border:1px solid #738895;border-radius:16px;background:#edf3f7}.library-empty a{display:flex;align-items:center}.library-controls>div{min-width:0}@media(max-width:900px){.library-controls{grid-template-columns:1fr;gap:18px}.library-reset{text-align:left}}