:root {
  --forest: #2E6E52;
  --forest-2: #3D7F61;
  --paper: #F4F7F2;
  --ink: #17201C;
  --muted: #4E5B55;
  --cedar: #7A3E2A;
  --hivis: #D9AB3A;
  --line: #CFDCD3;
  --white: #FFFFFF;
  --wrap: 1120px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }

body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: "Archivo", system-ui, sans-serif;
  font-size: 1.0625rem;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

a { color: inherit; }
a:focus-visible, button:focus-visible, input:focus-visible, select:focus-visible, textarea:focus-visible {
  outline: 3px solid var(--hivis);
  outline-offset: 3px;
}

.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 24px; }
@media (max-width: 600px) { .wrap { padding: 0 16px; } }

.skip { position: absolute; left: -999px; top: 8px; background: var(--hivis); color: var(--ink); padding: 8px 12px; z-index: 10; }
.skip:focus { left: 8px; }

/* Header */
.site-header { background: var(--forest); color: var(--paper); }
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; gap: 16px; min-height: 72px; }
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; font-weight: 700; font-stretch: 85%; font-size: 1.25rem; letter-spacing: 0.01em; }
.brand svg { width: 30px; height: 30px; flex: none; }
.header-call { text-decoration: none; font-weight: 600; font-size: 0.95rem; border: 1px solid rgba(238,241,236,.4); padding: 8px 14px; border-radius: 4px; white-space: nowrap; }
.header-call:hover { border-color: var(--hivis); }

/* Hero */
.hero { background: var(--forest); color: var(--paper); padding: 56px 0 0; overflow: hidden; }
.hero .wrap { display: grid; grid-template-columns: 1.25fr 1fr; gap: 40px; align-items: end; }
.hero h1 {
  margin: 0 0 24px;
  font-weight: 800;
  font-stretch: 70%;
  font-size: clamp(2.75rem, 7vw, 5.25rem);
  line-height: 0.95;
  letter-spacing: -0.01em;
}
.hero p.lede { max-width: 34rem; font-size: 1.1875rem; color: #E6EEE9; margin: 0 0 32px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; padding-bottom: 64px; }
.btn {
  display: inline-block; text-decoration: none; font: inherit; font-weight: 700;
  padding: 14px 22px; border-radius: 4px; border: 2px solid transparent; cursor: pointer;
}
.btn-primary { background: var(--hivis); color: var(--ink); }
.btn-primary:hover { background: #E6BC52; }
.btn-ghost { border-color: rgba(238,241,236,.5); color: var(--paper); }
.btn-ghost:hover { border-color: var(--paper); }
.rings { width: 100%; max-width: 440px; justify-self: end; display: block; margin-bottom: -2px; }
@media (max-width: 820px) {
  .hero .wrap { grid-template-columns: 1fr; }
  .rings { max-width: 260px; justify-self: start; }
  .hero-actions { padding-bottom: 8px; }
}

/* Sections */
section { padding: 88px 0; }
@media (max-width: 600px) { section { padding: 64px 0; } }
h2 {
  font-weight: 800; font-stretch: 75%;
  font-size: clamp(2rem, 4.2vw, 3rem); line-height: 1.02;
  margin: 0 0 20px; max-width: 18ch;
}
h3 { font-weight: 700; font-size: 1.3125rem; line-height: 1.25; margin: 0 0 8px; }
.intro { max-width: 40rem; color: var(--muted); margin: 0 0 48px; }

/* Who */
.who-list { list-style: none; margin: 0; padding: 0; border-top: 2px solid var(--ink); }
.who-list li { display: grid; grid-template-columns: minmax(180px, 1fr) 2fr; gap: 24px; padding: 28px 0; border-bottom: 1px solid var(--line); }
.who-list h3 { font-stretch: 85%; font-size: 1.5rem; }
.who-list p { margin: 0; max-width: 40rem; }
@media (max-width: 700px) { .who-list li { grid-template-columns: 1fr; gap: 6px; } }

/* Coverage */
.coverage { background: var(--white); }
.cov-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0; border: 2px solid var(--ink); }
.cov { padding: 36px; }
.cov + .cov { border-left: 2px solid var(--ink); }
.cov h3 { font-size: 1.75rem; font-stretch: 80%; font-weight: 800; color: var(--forest); }
.cov ul { margin: 16px 0 0; padding-left: 1.1em; }
.cov li { margin-bottom: 6px; }
@media (max-width: 760px) { .cov-grid { grid-template-columns: 1fr; } .cov + .cov { border-left: 0; border-top: 2px solid var(--ink); } .cov { padding: 28px 22px; } }

/* Steps (a real sequence) */
.steps { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; counter-reset: s; }
.steps li { counter-increment: s; border-top: 6px solid var(--forest); padding-top: 20px; }
.steps li::before { content: counter(s); display: block; font-weight: 800; font-stretch: 70%; font-size: 3rem; line-height: 1; color: var(--cedar); margin-bottom: 12px; }
.steps p { margin: 0; color: var(--muted); }
@media (max-width: 760px) { .steps { grid-template-columns: 1fr; } }

/* Quote */
.quote { background: var(--forest); color: var(--paper); }
.quote .wrap { display: grid; grid-template-columns: 1fr 1.3fr; gap: 56px; }
.quote .intro { color: #E6EEE9; }
.quote-side a { color: var(--hivis); font-weight: 700; text-decoration: none; font-size: 1.5rem; font-stretch: 85%; }
.quote-side p { margin: 0 0 6px; }
form { background: var(--paper); color: var(--ink); padding: 32px; border-radius: 6px; }
.field { margin-bottom: 18px; }
.row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
label { display: block; font-weight: 600; font-size: 0.95rem; margin-bottom: 6px; }
.optional { font-weight: 400; color: var(--muted); }
input, select, textarea {
  width: 100%; font: inherit; font-size: 1rem; color: var(--ink);
  background: var(--white); border: 1px solid #9AA8A1; border-radius: 4px; padding: 11px 12px;
}
textarea { min-height: 96px; resize: vertical; }
fieldset { border: 0; padding: 0; margin: 0 0 18px; }
legend { font-weight: 600; font-size: 0.95rem; margin-bottom: 8px; padding: 0; }
.checks { display: flex; flex-wrap: wrap; gap: 8px 20px; }
.checks label, .consent label { display: flex; gap: 8px; align-items: flex-start; font-weight: 400; margin: 0; }
.checks input, .consent input { width: 18px; height: 18px; margin-top: 3px; flex: none; accent-color: var(--forest); }
.consent { font-size: 0.875rem; color: var(--muted); line-height: 1.5; margin-bottom: 20px; }
form .btn-primary { width: 100%; font-size: 1.0625rem; }
.hp { position: absolute; left: -9999px; }
@media (max-width: 860px) { .quote .wrap { grid-template-columns: 1fr; gap: 32px; } }
@media (max-width: 520px) { .row { grid-template-columns: 1fr; gap: 0; } form { padding: 22px 18px; } }

/* Footer */
.site-footer { background: #1F4A37; color: #D2DED7; padding: 48px 0; font-size: 0.875rem; line-height: 1.6; }
.site-footer .top { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 16px; margin-bottom: 24px; color: var(--paper); }
.site-footer a { color: var(--paper); }
.site-footer p { max-width: 62rem; margin: 0 0 12px; }

/* Tabs nav */
.site-nav { background: var(--forest); border-top: 1px solid rgba(238,241,236,.15); }
.site-nav ul { list-style: none; margin: 0 auto; padding: 0 24px; max-width: var(--wrap); display: flex; gap: 4px; overflow-x: auto; scrollbar-width: none; }
.site-nav ul::-webkit-scrollbar { display: none; }
.site-nav a { display: block; padding: 14px 14px 12px; color: #E6EEE9; text-decoration: none; font-weight: 600; font-size: 0.975rem; white-space: nowrap; border-bottom: 4px solid transparent; }
.site-nav a:hover { color: var(--paper); border-bottom-color: rgba(217,171,58,.45); }
.site-nav a[aria-current="page"] { color: var(--paper); border-bottom-color: var(--hivis); }
.site-nav li:first-child a { padding-left: 0; }
@media (max-width: 600px) { .site-nav ul { padding: 0 16px; flex-wrap: wrap; gap: 0 4px; } .site-nav a { padding: 10px 0 8px; margin-right: 16px; font-size: 0.925rem; } .site-nav li:first-child a { padding-left: 0; } }
@media (max-width: 520px) { .header-call { font-size: 0.85rem; padding: 7px 10px; } .brand { font-size: 1.1rem; } }

/* Page hero */
.page-hero { background: var(--forest); color: var(--paper); padding: 56px 0 64px; }
.page-hero h1 { font-weight: 800; font-stretch: 70%; font-size: clamp(2.5rem, 6vw, 4.25rem); line-height: 0.98; margin: 0 0 18px; max-width: 16ch; }
.page-hero p { max-width: 38rem; color: #E6EEE9; font-size: 1.1875rem; margin: 0; }

/* Prose sections */
.prose { max-width: 44rem; }
.prose p { margin: 0 0 16px; }
.prose ul { padding-left: 1.1em; margin: 0 0 16px; }
.prose li { margin-bottom: 6px; }
.alt { background: var(--white); }
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 40px 56px; }
@media (max-width: 760px) { .two-col { grid-template-columns: 1fr; } }

/* Definition list of terms */
.terms { margin: 0; border-top: 2px solid var(--ink); }
.terms div { display: grid; grid-template-columns: minmax(160px, 1fr) 2.4fr; gap: 24px; padding: 20px 0; border-bottom: 1px solid var(--line); }
.terms dt { font-weight: 700; font-stretch: 85%; font-size: 1.1875rem; }
.terms dd { margin: 0; max-width: 40rem; }
@media (max-width: 700px) { .terms div { grid-template-columns: 1fr; gap: 4px; } }

/* Metal tiers: a real scale from low premium to low out-of-pocket */
.tiers { display: grid; grid-template-columns: repeat(4, 1fr); border: 2px solid var(--ink); }
.tier { padding: 24px 20px; }
.tier + .tier { border-left: 2px solid var(--ink); }
.tier h3 { display: flex; align-items: center; gap: 10px; font-size: 1.375rem; font-stretch: 80%; font-weight: 800; }
.tier h3::before { content: ""; width: 14px; height: 14px; border-radius: 50%; background: var(--swatch); flex: none; }
.tier p { margin: 0; font-size: 0.975rem; }
.tier-scale { display: flex; justify-content: space-between; font-size: 0.875rem; color: var(--muted); margin-top: 10px; }
@media (max-width: 820px) { .tiers { grid-template-columns: 1fr 1fr; } .tier:nth-child(3) { border-left: 0; } .tier:nth-child(n+3) { border-top: 2px solid var(--ink); } }
@media (max-width: 480px) { .tiers { grid-template-columns: 1fr; } .tier + .tier { border-left: 0; border-top: 2px solid var(--ink); } }

/* Callout for dates */
.callout { border-left: 6px solid var(--hivis); background: var(--white); padding: 20px 24px; max-width: 44rem; margin: 24px 0 0; }
.callout p { margin: 0 0 8px; }
.callout p:last-child { margin: 0; }

/* FAQ */
.faq-group { margin-bottom: 56px; }
.faq-group h2 { font-size: clamp(1.625rem, 3vw, 2.125rem); margin-bottom: 16px; }
.faq { border-top: 2px solid var(--ink); max-width: 52rem; }
.faq details { border-bottom: 1px solid var(--line); }
.faq summary { cursor: pointer; list-style: none; display: flex; justify-content: space-between; gap: 16px; padding: 20px 0; font-weight: 700; font-size: 1.125rem; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; font-size: 1.5rem; line-height: 1; color: var(--cedar); font-weight: 400; flex: none; }
.faq details[open] summary::after { content: "\2212"; }
.faq .answer { padding: 0 0 22px; max-width: 44rem; }
.faq .answer p { margin: 0 0 12px; }
.faq .answer p:last-child { margin: 0; }
.faq-jump { display: flex; flex-wrap: wrap; gap: 8px 24px; margin: 0 0 48px; padding: 0; list-style: none; }
.faq-jump a { font-weight: 600; color: var(--forest); }

/* CTA band */
.cta-band { background: var(--hivis); color: var(--ink); padding: 56px 0; }
.cta-band .wrap { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 20px; }
.cta-band h2 { margin: 0; font-size: clamp(1.75rem, 3.5vw, 2.5rem); max-width: 20ch; }
.cta-band .btn { background: var(--forest); color: var(--paper); }
.cta-band .btn:hover { background: var(--ink); }
.cta-band .btn-line { background: transparent; color: var(--ink); border-color: var(--ink); }
.cta-band .btn-line:hover { background: rgba(23,32,28,.08); }
.cta-actions { display: flex; flex-wrap: wrap; gap: 12px; }
.more-link { display: inline-block; margin-top: 20px; font-weight: 700; color: var(--forest); }
.cov .more-link { margin-top: 12px; }

/* Simple pages */
.page { padding: 64px 0 88px; }
.page .wrap { max-width: 760px; }
.page h1 { font-weight: 800; font-stretch: 75%; font-size: clamp(2.25rem, 5vw, 3.25rem); line-height: 1.02; margin: 0 0 24px; }
.page h2 { font-size: 1.5rem; font-stretch: 85%; margin-top: 40px; max-width: none; }

/* ---- Photo layout additions ---- */
.top-strip { background: #245A42; color: #E6EEE9; font-size: 0.875rem; }
.top-strip .wrap { display: flex; justify-content: space-between; gap: 12px; min-height: 36px; align-items: center; }
.top-strip a { color: var(--hivis); font-weight: 600; text-decoration: none; }
@media (max-width: 600px) { .top-strip .tag { display: none; } .top-strip .wrap { justify-content: flex-end; } }

.hero-photo { background: var(--forest); color: var(--paper); padding: 56px 0 72px; }
.hero-photo .wrap { display: grid; grid-template-columns: 1.1fr 1fr; gap: 48px; align-items: center; }
.hero-photo h1 { margin: 0 0 22px; font-weight: 800; font-stretch: 70%; font-size: clamp(2.75rem, 6.4vw, 4.75rem); line-height: 0.96; letter-spacing: -0.01em; }
.hero-photo .lede { max-width: 34rem; font-size: 1.1875rem; color: #E6EEE9; margin: 0 0 28px; }
.hero-photo .hero-actions { padding-bottom: 0; }
.trust { list-style: none; padding: 0; margin: 32px 0 0; display: flex; flex-wrap: wrap; gap: 10px 28px; }
.trust li { display: flex; align-items: center; gap: 8px; font-weight: 600; color: var(--paper); }
.trust li::before { content: ""; width: 10px; height: 10px; border-radius: 50%; background: var(--hivis); flex: none; }
.photo { position: relative; margin: 0; }
.photo img { display: block; width: 100%; height: 100%; object-fit: cover; border-radius: 6px; }
.hero-photo .photo { aspect-ratio: 4 / 5; max-height: 560px; justify-self: end; width: 100%; }
.hero-photo .photo::after { content: ""; position: absolute; left: -14px; bottom: -14px; width: 42%; height: 38%; border-left: 6px solid var(--hivis); border-bottom: 6px solid var(--hivis); border-radius: 0 0 0 8px; pointer-events: none; }
@media (max-width: 860px) { .hero-photo .wrap { grid-template-columns: 1fr; } .hero-photo .photo { aspect-ratio: 4 / 3; justify-self: stretch; } }

.statement { background: var(--hivis); color: var(--ink); padding: 28px 0; }
.statement p { margin: 0; font-weight: 800; font-stretch: 75%; font-size: clamp(1.5rem, 3vw, 2.125rem); line-height: 1.1; }

.split { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.split .photo { aspect-ratio: 4 / 3; }
.split.flip .photo { order: 2; }
@media (max-width: 860px) { .split { grid-template-columns: 1fr; gap: 32px; } .split.flip .photo { order: 0; } }
.who-grid { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: 1fr 1fr; gap: 0; border-top: 2px solid var(--ink); }
.who-grid li { padding: 20px 20px 20px 0; border-bottom: 1px solid var(--line); }
.who-grid li:nth-child(odd) { border-right: 1px solid var(--line); }
.who-grid li:nth-child(even) { padding-left: 20px; }
.who-grid h3 { font-stretch: 85%; font-size: 1.25rem; margin-bottom: 4px; }
.who-grid p { margin: 0; font-size: 0.975rem; color: var(--muted); }
@media (max-width: 560px) { .who-grid { grid-template-columns: 1fr; } .who-grid li:nth-child(odd) { border-right: 0; } .who-grid li:nth-child(even) { padding-left: 0; } }

.feature-list { list-style: none; padding: 0; margin: 0 0 20px; }
.feature-list li { padding: 12px 0; border-bottom: 1px solid var(--line); }
.feature-list li:first-child { border-top: 2px solid var(--ink); }
.feature-list strong { color: var(--forest); }
.fine { font-size: 0.875rem; color: var(--muted); max-width: 40rem; }
.life-types { margin: 0 0 20px; }
.life-types div { padding: 14px 0; border-bottom: 1px solid var(--line); }
.life-types div:first-child { border-top: 2px solid var(--ink); }
.life-types dt { font-weight: 800; font-stretch: 80%; font-size: 1.25rem; color: var(--forest); }
.life-types dd { margin: 2px 0 0; }

.why { display: grid; grid-template-columns: repeat(4, 1fr); gap: 32px; }
.why div { border-top: 6px solid var(--hivis); padding-top: 18px; }
.why h3 { font-stretch: 85%; }
.why p { margin: 0; color: #E6EEE9; }
@media (max-width: 900px) { .why { grid-template-columns: 1fr 1fr; } }
@media (max-width: 520px) { .why { grid-template-columns: 1fr; } }
.dark { background: var(--forest); color: var(--paper); }
.dark .intro { color: #E6EEE9; }

/* Quote form extras */
.form-section { border-top: 1px solid var(--line); padding-top: 18px; margin-top: 4px; }
.form-section > legend, .form-h { font-weight: 800; font-stretch: 85%; font-size: 1.125rem; margin-bottom: 12px; }
.row3 { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 16px; }
@media (max-width: 520px) { .row3 { grid-template-columns: 1fr 1fr; gap: 0 12px; } }
details.addon { margin-bottom: 18px; }
details.addon summary { cursor: pointer; font-weight: 700; color: var(--forest); padding: 6px 0; }
details.addon[open] summary { margin-bottom: 12px; }
input:not([type="checkbox"]), select { height: 48px; }
.hero-photo .photo img { object-position: 50% 25%; }