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@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{transition:none!important}}
.hub-intro{background:linear-gradient(180deg,#fff,#f4faff);padding:70px 0}.hub-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px}.hub-card{display:block;position:relative;overflow:hidden;border-radius:24px;padding:34px;min-height:285px;color:white;box-shadow:var(--shadow);transition:.2s ease}.hub-card:first-child{background:linear-gradient(145deg,var(--navy),var(--blue))}.hub-card:last-child{background:linear-gradient(145deg,#087a83,var(--teal),var(--cyan))}.hub-card:hover{transform:translateY(-4px)}.hub-card h2{color:white;margin:10px 0 12px;font-size:36px}.hub-card p{color:#edf6ff;max-width:480px}.hub-card .learn{display:inline-block;margin-top:18px;color:var(--gold2);font-weight:900}.category-section{padding:82px 0}.category-section.alt{background:#f5faff}.category-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.category-link{display:block;background:white;border:1px solid var(--line);border-top:5px solid var(--blue);border-radius:16px;padding:24px;min-height:210px;box-shadow:0 9px 26px rgba(12,29,59,.055);transition:.2s ease}.category-link:nth-child(3n+2){border-top-color:var(--teal)}.category-link:nth-child(3n){border-top-color:var(--gold)}.category-link:hover{transform:translateY(-4px);box-shadow:0 18px 38px rgba(12,29,59,.12)}.category-link h3{font:700 22px var(--serif);color:var(--navy);margin:10px 0}.category-link p{color:var(--muted);font-size:14px;margin:0 0 15px}.category-link .learn{color:var(--blue2);font-size:12px;font-weight:900;text-transform:uppercase;letter-spacing:.06em}.detail-hero{background:linear-gradient(135deg,var(--navy),#175d96);color:white;padding:72px 0}.detail-hero.health{background:linear-gradient(135deg,#075d72,#0e978e,#31b8d2)}.detail-hero h1{font:700 clamp(40px,5vw,60px)/1.08 var(--serif);margin:14px 0 17px;max-width:860px}.detail-hero p{max-width:760px;color:#e4f0fb;font-size:18px}.detail-body{padding:76px 0}.detail-grid{display:grid;grid-template-columns:1.35fr .65fr;gap:55px;align-items:start}.detail-body h2{font:700 32px var(--serif);color:var(--navy);margin:34px 0 10px}.detail-body h2:first-child{margin-top:0}.detail-body h3{font:700 21px var(--serif);color:var(--navy)}.detail-body p,.detail-body li{color:var(--muted)}.detail-aside{position:sticky;top:24px;background:var(--sky);border-radius:18px;padding:26px;border-left:6px solid var(--blue)}.detail-aside h2{font-size:25px;margin:0 0 10px}.detail-aside .btn{width:100%;margin-top:10px}.info-callout{background:var(--cream);border:1px solid #f0dba9;border-radius:14px;padding:20px 22px;margin:28px 0}.info-callout strong{color:var(--navy)}.info-callout.caution{background:#fff4ec;border-color:#efc5a4}.related{display:flex;gap:10px;flex-wrap:wrap;margin-top:28px}.related a{background:#edf4ff;color:var(--blue2);padding:9px 13px;border-radius:999px;font-size:12px;font-weight:800}.page-cta{background:linear-gradient(135deg,var(--navy),#183a71);color:white;border-radius:22px;padding:31px;margin-top:42px}.page-cta h2{color:white;margin:0 0 8px}.page-cta p{color:#d3e0f1}.page-cta .hero-actions{margin-top:20px}.email-prominent{word-break:break-word;color:var(--blue2);font-weight:800}@media(max-width:760px){.hub-grid,.category-grid,.detail-grid{grid-template-columns:1fr}.hub-card{min-height:auto}.category-section,.detail-body{padding:58px 0}.detail-aside{position:static}.detail-hero{padding:55px 0}.detail-hero h1{font-size:40px}.page-cta{padding:24px}}@media(max-width:430px){.hub-card{padding:25px}.hub-card h2{font-size:30px}.category-link{min-height:auto}}

.agency-affiliation{padding:72px 0;background:linear-gradient(180deg,#f4f8fc,#fff);border-top:1px solid #e6edf5;border-bottom:1px solid #e6edf5}.agency-grid{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}.agency-copy h2{font:700 clamp(30px,3.8vw,43px)/1.13 var(--serif);letter-spacing:-.025em;margin:13px 0;color:var(--navy)}.agency-copy p{max-width:590px;color:var(--muted);font-size:16px;line-height:1.7}.agency-copy .agency-partnership{font-size:13px;line-height:1.6;margin-top:18px}.agency-partnership a{font-weight:800;color:var(--blue2);text-decoration:underline;text-underline-offset:3px}.agency-link,.agency-bbb-link{color:var(--blue2);font-size:14px;font-weight:800;text-decoration:underline;text-underline-offset:4px}.agency-card{background:linear-gradient(145deg,#0c1d3b,#173765);color:white;padding:29px 31px 24px;border-radius:18px;box-shadow:0 18px 44px rgba(12,29,59,.14);border:1px solid rgba(255,255,255,.08)}.agency-wordmark{display:flex;align-items:center;gap:13px;padding-bottom:21px;border-bottom:1px solid rgba(255,255,255,.18);font:800 14px var(--sans);letter-spacing:.13em}.agency-monogram{font:800 19px var(--sans);letter-spacing:.02em;color:var(--gold2);border:1px solid rgba(255,215,123,.65);border-radius:8px;padding:8px 9px}.agency-facts{display:grid;grid-template-columns:1fr 1fr;padding:21px 0 17px;gap:12px}.agency-facts div+div{border-left:1px solid rgba(255,255,255,.2);padding-left:18px}.agency-facts strong,.agency-facts span{display:block}.agency-facts strong{font:700 17px var(--serif);color:var(--gold2)}.agency-facts span{font-size:13px;color:#d0dced;margin-top:4px}.agency-bbb-link{color:#fff;font-size:13px}.agency-note{color:#b9c9de;font-size:12px;line-height:1.55;margin:15px 0 0}.about-points a{color:var(--blue2);text-decoration:underline;text-underline-offset:3px}
@media(max-width:760px){.agency-affiliation{padding:58px 0}.agency-grid{grid-template-columns:1fr;gap:29px}.agency-card{padding:25px 23px}.agency-facts{gap:8px}.agency-facts div+div{padding-left:12px}}

/* USA Benefits Group affiliation and approved corporate mark */
.agency-affiliation{background:linear-gradient(180deg,#f5faff 0%,#fff 100%);border-bottom:1px solid var(--line);padding:28px 0 32px}.agency-affiliation-inner{display:grid;grid-template-columns:250px 1fr;gap:34px;align-items:center}.agency-affiliation-copy h2{font:700 clamp(23px,2.5vw,31px)/1.16 var(--serif);color:var(--navy);margin:7px 0 8px;letter-spacing:-.02em}.agency-affiliation-copy p{margin:0;color:var(--muted);font-size:15px;line-height:1.6;max-width:760px}.agency-trustfacts{display:flex;flex-wrap:wrap;align-items:center;gap:8px 16px;margin-top:12px}.agency-trustfacts a{font-size:13px;font-weight:800;color:var(--blue2);text-decoration:underline;text-underline-offset:3px}.agency-trustfacts span{font-size:12px;color:#65758a}.about-usabg-logo{max-width:340px;margin:0 0 20px;background:#fff;border:1px solid var(--line);border-radius:8px;padding:9px}.about-points .about-usabg-logo+h3{margin-top:0}
@media(max-width:760px){.agency-affiliation{padding:22px 0 25px}.agency-affiliation-inner{grid-template-columns:1fr;gap:18px}.agency-nameplate{width:min(100%,330px);margin:0 auto}.agency-affiliation-copy{text-align:left}.agency-affiliation-copy h2{font-size:25px}.agency-trustfacts{align-items:flex-start;flex-direction:column;gap:5px}.agency-trustfacts span{line-height:1.5}.about-usabg-logo{max-width:100%;margin:0 0 19px}}

/* Direct, accessible website request form and crisp agency affiliation */
.agency-nameplate{min-height:154px;display:flex;flex-direction:column;justify-content:center;align-items:flex-start;gap:8px;padding:26px;background:#fff;border:1px solid #dce5ef;border-left:6px solid #2168c5;border-radius:14px;box-shadow:0 10px 28px rgba(12,29,59,.08)}.agency-nameplate span{font:700 clamp(23px,2.4vw,30px)/1.15 var(--serif);color:#174c8f}.agency-nameplate small{font:700 13px/1.5 var(--sans);color:#53647b}.agency-nameplate-compact{min-height:0;margin-bottom:24px}.field label{font-size:14px}.contact-help{font-size:14px;line-height:1.5;color:#53647b;margin:-8px 0 0}.privacy-note{font-size:13px}.form-status{font-size:14px;min-height:24px}.hp-field{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.lead-form button[disabled]{opacity:.65;cursor:wait}.lead-form input:focus-visible,.lead-form select:focus-visible,.lead-form textarea:focus-visible,.lead-form button:focus-visible{outline:3px solid #f1b84b;outline-offset:2px}

/* Clear, local agency header inspired by the mentor-site benchmark */
.site-header{display:block;min-height:0;background:#fff;color:var(--navy);border-bottom:0;box-shadow:0 8px 22px rgba(12,29,59,.09)}
.utility-row{background:#fff}
.utility-inner{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand-place{color:#66758b}
.utility-proof a{display:inline-flex;align-items:center;gap:9px;color:var(--navy);font-size:12px;font-weight:700}
.utility-proof strong{border:1px solid #dce5ef;border-radius:999px;background:#f5f8fc;padding:7px 10px;color:#174c8f;font-size:11px;letter-spacing:.02em}
.head-actions{gap:13px}
.license-mini{color:#58667a;font-size:12px}
.nav-band{background:var(--navy);color:#fff}
.nav-band-inner{min-height:52px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.nav-band .nav{align-self:stretch;gap:30px;color:#e4edf8;font-size:14px}
.nav-band .nav a{display:flex;align-items:center;min-height:52px;border-bottom:3px solid transparent;padding-top:3px}
.nav-band .nav a:hover,.nav-band .nav a:focus-visible{color:var(--gold2);border-bottom-color:var(--gold)}
.header-request{display:inline-flex;align-items:center;justify-content:center;min-height:38px;border-radius:999px;padding:8px 17px;background:var(--gold);color:var(--navy);font-size:12px;font-weight:900;white-space:nowrap}
.header-request:hover{background:var(--gold2)}
.hero h1{font-family:var(--sans);font-weight:850;letter-spacing:-.055em;line-height:1.08}
.hero:before{background:radial-gradient(circle,rgba(241,184,75,.16),rgba(241,184,75,0) 68%)}
.utility-proof a:focus-visible,.header-request:focus-visible,.head-cta:focus-visible{outline:3px solid var(--blue);outline-offset:3px}
@media(max-width:970px){.utility-inner{gap:15px}.utility-proof a{font-size:11px}.nav-band .nav{gap:18px}}
@media(max-width:760px){.utility-inner{min-height:70px}.utility-proof,.head-actions{display:none}.nav-toggle{display:block;background:#fff;border:1px solid #cbd7e5;color:var(--navy);font-weight:800}.nav-band{height:0;background:transparent;position:relative;z-index:11}.nav-band-inner{height:0;min-height:0;position:static}.nav-band .nav{display:none;position:absolute;top:0;left:17px;right:17px;align-items:stretch;flex-direction:column;gap:0;padding:8px 18px 14px;background:var(--navy2);border-radius:0 0 14px 14px;box-shadow:0 18px 30px rgba(0,0,0,.2);z-index:12}.nav-band .nav.open{display:flex}.nav-band .nav a{min-height:46px;padding:10px 0;border-bottom:1px solid rgba(255,255,255,.13)}.nav-band .nav a:last-child{border-bottom:0}.header-request{display:none}.hero h1{font-size:43px}}
/* Keep the request section within the navy-and-gold brand */
.quote-section{background:linear-gradient(135deg,#0c1d3b 0%,#17305d 58%,#244c77 100%)}
.quote-section:before{background:rgba(241,184,75,.09)}
.quote-section .btn-blue{background:var(--gold);color:var(--navy);box-shadow:0 10px 24px rgba(241,184,75,.2)}
.quote-section .btn-blue:hover{background:var(--gold2)}

/* Accessible, continuously moving partner and coverage strip */
.partner-band{padding:56px 0 50px;background:#f4f8fc;border-top:1px solid #e5edf6;border-bottom:1px solid #e5edf6;overflow:hidden}
.partner-band-head{display:grid;grid-template-columns:1fr 1fr;align-items:end;gap:40px;margin-bottom:25px}
.partner-band-head h2{font:700 clamp(27px,3vw,36px)/1.15 var(--serif);letter-spacing:-.02em;color:var(--navy);margin:8px 0 0}
.partner-band-head p{max-width:600px;color:var(--muted);font-size:14px;line-height:1.65;margin:0 0 2px}
.partner-track-viewport{position:relative;overflow:hidden;mask-image:linear-gradient(90deg,transparent,#000 5%,#000 95%,transparent)}
.partner-track{display:flex;width:max-content;animation:partner-drift 32s linear infinite}
.partner-track-viewport:hover .partner-track,.partner-track-viewport:focus-within .partner-track{animation-play-state:paused}
.partner-set{display:flex;align-items:center;gap:15px;padding-right:15px}
.partner-wordmark{display:flex;align-items:center;justify-content:center;white-space:nowrap;min-height:66px;min-width:165px;padding:13px 23px;border:1px solid #dfe7f0;border-radius:12px;background:white;color:#3f5068;font:800 13px/1.25 var(--sans);letter-spacing:.035em;text-align:center;box-shadow:0 6px 18px rgba(12,29,59,.045)}
.partner-wordmark.partner-agency{min-width:220px;color:#174c8f;border-color:#c7d8ed;font:800 17px/1.2 var(--serif);letter-spacing:0}
@keyframes partner-drift{to{transform:translateX(-50%)}}
@media(prefers-reduced-motion:reduce){.partner-track{animation:none}.partner-track-viewport{mask-image:none}}
@media(max-width:760px){.partner-band{padding:48px 0}.partner-band-head{grid-template-columns:1fr;gap:13px;margin-bottom:19px}.partner-band-head h2{font-size:28px}.partner-wordmark{min-width:145px;min-height:58px;padding:11px 18px}.partner-wordmark.partner-agency{min-width:190px}}

/* Clear, editorial homepage flow inspired by the mentor-site benchmark */
.compare-section{padding:78px 0 84px;background:linear-gradient(135deg,#0b1b38 0%,#123765 100%);color:#fff;position:relative;overflow:hidden}
.compare-section:before{content:"";position:absolute;width:560px;height:560px;right:-190px;top:-320px;border-radius:50%;border:1px solid rgba(255,255,255,.12);box-shadow:0 0 0 45px rgba(255,255,255,.025),0 0 0 90px rgba(255,255,255,.02)}
.compare-section .wrap{position:relative;z-index:1}
.compare-heading{max-width:730px;margin:0 auto 32px;text-align:center}
.compare-heading .section-kicker{color:var(--gold2)}
.compare-heading h2{font:800 clamp(34px,4.5vw,50px)/1.08 var(--sans);letter-spacing:-.045em;color:#fff;margin:10px 0 13px}
.compare-heading p{margin:0 auto;color:#d6e1f0;font-size:17px;max-width:650px}
.compare-grid{display:grid;grid-template-columns:1fr 58px 1fr;gap:17px;align-items:center;max-width:990px;margin:auto}
.compare-card{min-height:275px;border:1px solid rgba(255,255,255,.18);border-radius:18px;padding:28px 30px;background:rgba(255,255,255,.055)}
.compare-card-highlight{background:#fff;color:var(--navy);border-color:#fff;box-shadow:0 18px 42px rgba(0,0,0,.13)}
.compare-number{display:block;color:var(--gold2);font-size:13px;font-weight:900;letter-spacing:.13em}
.compare-card-highlight .compare-number{color:var(--blue2)}
.compare-card h3{margin:8px 0 15px;font:700 24px/1.2 var(--serif);color:inherit}
.compare-card ul{list-style:none;padding:0;margin:0;display:grid;gap:10px}
.compare-card li{position:relative;padding-left:23px;color:#e2ebf7;font-size:15px;line-height:1.45}
.compare-card-highlight li{color:#53647b}
.compare-card li:before{content:"✓";position:absolute;left:0;top:0;color:var(--gold2);font-weight:900}
.compare-card-highlight li:before{color:#118980}
.compare-bridge{display:grid;place-items:center;width:46px;height:46px;border:1px solid rgba(255,255,255,.26);border-radius:50%;color:var(--gold2);font-size:23px;font-weight:700;background:#10294c}
.coverage-overview{padding:82px 0 76px;background:#fff}
.coverage-overview .section-head{max-width:760px;margin:0 auto 32px;text-align:center}
.coverage-overview .section-head h2{font:800 clamp(33px,4vw,44px)/1.12 var(--sans);letter-spacing:-.04em;margin:10px 0 13px;color:var(--navy)}
.coverage-overview .section-head .intro{max-width:660px;margin:0 auto}
.coverage-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px}
.coverage-card{position:relative;display:flex;flex-direction:column;min-height:300px;padding:24px 22px;border:1px solid var(--line);border-top:4px solid var(--blue);border-radius:14px;background:white;box-shadow:0 11px 30px rgba(12,29,59,.055);transition:transform .18s ease,box-shadow .18s ease,border-color .18s ease}
.coverage-card:hover{transform:translateY(-4px);box-shadow:0 20px 38px rgba(12,29,59,.13)}
.coverage-card-health{border-top-color:#118980}.coverage-card-dental{border-top-color:#d39b2d}.coverage-card-supplemental{border-top-color:#6d7ac5}
.coverage-symbol{display:grid;place-items:center;width:42px;height:42px;border-radius:12px;background:#edf4ff;color:#174c8f;font-size:12px;font-weight:900;letter-spacing:.04em}
.coverage-card-health .coverage-symbol{background:#e9f7f5;color:#08756e}.coverage-card-dental .coverage-symbol{background:#fff7e8;color:#8f6209}.coverage-card-supplemental .coverage-symbol{background:#f1f1ff;color:#515fa8}
.coverage-type{margin-top:18px;color:#607086;font-size:12px;font-weight:900;text-transform:uppercase;letter-spacing:.09em}
.coverage-card h3{margin:4px 0 9px;color:var(--navy);font:700 22px/1.2 var(--serif)}
.coverage-card p{margin:0;color:var(--muted);font-size:14px;line-height:1.55}
.coverage-link{display:flex;justify-content:space-between;align-items:center;gap:8px;margin-top:auto;padding-top:17px;color:var(--blue2);font-size:12px;font-weight:900;text-transform:uppercase;letter-spacing:.035em}
.coverage-link b{font-size:19px;line-height:1}
.steps-section{padding:78px 0 82px;background:#f3f7fc}
.steps-section .section-head{max-width:760px;margin:0 auto 31px;text-align:center}
.steps-section .section-head h2{font:800 clamp(32px,4vw,42px)/1.1 var(--sans);letter-spacing:-.04em;margin:10px 0;color:var(--navy)}
.steps-section .steps{max-width:1040px;margin:0 auto}
.story-section{padding:80px 0;background:linear-gradient(180deg,#fff 0%,#f5f9fe 100%)}
.story-grid{display:grid;grid-template-columns:minmax(280px,.85fr) minmax(0,1.15fr);gap:68px;align-items:center}
.story-photo-frame{position:relative;max-width:470px;margin:0 auto;width:100%}
.story-photo{display:block;width:100%;aspect-ratio:4/4.6;object-fit:cover;object-position:center 30%;border-radius:22px;border:7px solid #fff;box-shadow:0 24px 55px rgba(12,29,59,.18)}
.story-photo-caption{position:absolute;left:18px;right:18px;bottom:18px;padding:14px 18px;background:#fff;border-left:5px solid var(--gold);border-radius:0 12px 12px 0;box-shadow:0 9px 24px rgba(12,29,59,.13)}
.story-photo-caption strong,.story-photo-caption span{display:block}.story-photo-caption strong{font:700 19px/1.2 var(--serif);color:var(--navy)}.story-photo-caption span{margin-top:3px;color:#627188;font-size:12px;letter-spacing:.035em}
.story-copy h2{font:800 clamp(34px,4vw,46px)/1.08 var(--sans);letter-spacing:-.045em;color:var(--navy);margin:9px 0 16px}
.story-copy p{color:var(--muted);font-size:16px;line-height:1.7;margin:0 0 13px}
.story-values{display:flex;flex-wrap:wrap;gap:8px;margin:21px 0}
.story-values span{border:1px solid #dce6f1;border-radius:999px;padding:7px 11px;background:#fff;color:#38506e;font-size:12px;font-weight:800}
.btn-outline-dark{display:inline-flex;align-items:center;justify-content:center;min-height:46px;padding:12px 18px;border:1px solid #b8c7d9;border-radius:8px;color:var(--navy);font-size:14px;font-weight:900;transition:.2s ease}
.btn-outline-dark:hover{background:#eaf2fb;border-color:#94abc8}
.story-affiliation{display:flex;flex-direction:column;gap:4px;margin-top:26px;padding:17px 19px;border:1px solid #dfe7f0;border-left:4px solid #2168c5;border-radius:10px;background:#fff}
.story-affiliation strong{font-size:14px;color:#174c8f}.story-affiliation span{font-size:12px;line-height:1.5;color:#65758a}.story-affiliation a{align-self:flex-start;margin-top:3px;color:var(--blue2);font-size:12px;font-weight:800;text-decoration:underline;text-underline-offset:3px}
@media(max-width:980px){.coverage-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.story-grid{gap:42px}.compare-grid{grid-template-columns:1fr 42px 1fr}}
@media(max-width:760px){.compare-section{padding:60px 0}.compare-heading{text-align:left;margin-bottom:24px}.compare-heading h2{font-size:36px}.compare-heading p{font-size:16px}.compare-grid{grid-template-columns:1fr;gap:12px}.compare-card{min-height:0;padding:23px}.compare-bridge{transform:rotate(90deg);margin:-2px auto;width:38px;height:38px}.coverage-overview{padding:60px 0}.coverage-overview .section-head{text-align:left;margin-bottom:24px}.coverage-overview .section-head h2{font-size:34px}.coverage-grid{grid-template-columns:1fr 1fr;gap:12px}.coverage-card{min-height:285px;padding:19px 17px}.steps-section{padding:60px 0}.steps-section .section-head{text-align:left}.steps-section .section-head h2{font-size:34px}.story-section{padding:60px 0}.story-grid{grid-template-columns:1fr;gap:34px}.story-photo-frame{max-width:390px}.story-copy h2{font-size:36px}}
@media(max-width:480px){.coverage-grid{grid-template-columns:1fr}.coverage-card{min-height:230px}.coverage-card p{font-size:15px}.coverage-link{font-size:13px}.story-values{display:grid;grid-template-columns:1fr}.story-values span{text-align:center}}

/* Closer mentor-site composition: comparison, coverage ribbon, logo carousel, quote process */
.compare-section{padding:86px 0 0}
.compare-heading{max-width:820px;margin-bottom:38px}
.compare-heading h2{max-width:800px;margin-left:auto;margin-right:auto}
.compare-grid{max-width:1040px}
.compare-card{min-height:330px;padding:34px 36px}
.compare-card h3{font:800 30px/1.15 var(--sans);letter-spacing:-.03em;margin:7px 0 20px}
.compare-card li{font-size:16px;padding:9px 0 9px 26px;border-bottom:1px solid rgba(255,255,255,.12)}
.compare-card-highlight li{border-bottom-color:#e2e8f0}
.compare-label{color:var(--gold2);font-size:12px;font-weight:900;letter-spacing:.13em}
.compare-card-highlight .compare-label{color:var(--blue2)}
.compare-bridge{font-size:12px;font-weight:900}
.we-cover{display:flex;align-items:center;justify-content:center;gap:12px;flex-wrap:wrap;margin-top:45px;padding:28px 0 31px;border-top:1px solid rgba(255,255,255,.12)}
.we-cover strong{margin-right:6px;color:#fff;font-size:14px}
.we-cover a{padding:9px 15px;border:1px solid rgba(255,255,255,.25);border-radius:999px;color:#fff;font-size:13px;font-weight:800;background:rgba(255,255,255,.05)}
.we-cover a:hover,.we-cover a:focus-visible{border-color:var(--gold);color:var(--gold2)}
.partner-band{padding:61px 0 42px;background:#fff}
.partner-intro{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:end;margin-bottom:34px}
.partner-intro h2{font:800 clamp(30px,3.7vw,43px)/1.1 var(--sans);letter-spacing:-.04em;color:var(--navy);margin:8px 0 0}
.partner-intro p{margin:0;color:var(--muted);font-size:14px;line-height:1.65}
.partner-track-viewport{width:100%;padding:8px 0 12px;mask-image:linear-gradient(90deg,transparent,#000 4%,#000 96%,transparent)}
.partner-track{animation-duration:56s}
.partner-set{gap:14px;padding-right:14px}
.carrier-logo{display:grid;place-items:center;width:176px;height:96px;flex:0 0 176px;padding:15px 19px;background:#fff;border:1px solid #e1e7ef;border-radius:10px;box-shadow:0 7px 22px rgba(12,29,59,.06)}
.carrier-logo img{display:block;width:100%;height:100%;object-fit:contain;filter:saturate(.9)}
.steps-section{padding:81px 0 86px;background:linear-gradient(135deg,#0c1d3b,#173765);color:#fff}
.steps-heading{display:grid;grid-template-columns:1.15fr .85fr;gap:40px;align-items:end;margin-bottom:35px}
.steps-heading .section-kicker{color:var(--gold2)}
.steps-heading h2{font:800 clamp(34px,4.2vw,48px)/1.08 var(--sans);letter-spacing:-.045em;color:#fff;margin:9px 0 12px}
.steps-heading p{max-width:650px;color:#cbd8e9;font-size:16px;margin:0}
.steps-heading .hero-actions{justify-content:flex-end;margin:0}
.steps-section .step{background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.14);box-shadow:none}
.steps-section .step h3{color:#fff;font:800 20px/1.2 var(--sans);letter-spacing:-.02em}
.steps-section .step p{color:#cbd8e9;font-size:15px}
@media(max-width:760px){.compare-section{padding-top:61px}.compare-card{min-height:0;padding:25px 23px}.compare-card h3{font-size:26px}.compare-card li{font-size:15px}.we-cover{justify-content:flex-start;margin-top:31px}.partner-intro{grid-template-columns:1fr;gap:12px;margin-bottom:24px}.partner-band{padding:52px 0 38px}.carrier-logo{width:150px;height:82px;flex-basis:150px;padding:12px 15px}.steps-heading{grid-template-columns:1fr;gap:22px}.steps-heading .hero-actions{justify-content:flex-start}.steps-section .steps{grid-template-columns:1fr}.steps-section .step{padding:23px}}

/* Health-first lead funnel */
.lead-page{background:#f4f8fc}.lead-page-hero{padding:68px 0 58px;background:linear-gradient(135deg,#0b1b38 0%,#123765 64%,#15545f 100%);color:#fff}.lead-page-grid{display:grid;grid-template-columns:minmax(0,.88fr) minmax(460px,1.12fr);gap:58px;align-items:center}.lead-page-copy h1{max-width:620px;margin:13px 0 18px;color:#fff;font:850 clamp(42px,5.2vw,66px)/1.02 var(--sans);letter-spacing:-.055em}.lead-page-copy>p{max-width:610px;margin:0;color:#d7e4f1;font-size:18px;line-height:1.65}.lead-assurance{display:grid;gap:10px;margin:27px 0}.lead-assurance span{position:relative;padding-left:27px;color:#fff;font-weight:800}.lead-assurance span:before{content:"✓";position:absolute;left:0;color:var(--gold2)}.direct-contact{display:flex;align-items:center;flex-wrap:wrap;gap:10px 18px;margin-top:29px;padding-top:21px;border-top:1px solid rgba(255,255,255,.16)}.direct-contact strong{width:100%;color:#cbd8e9;font-size:13px;text-transform:uppercase;letter-spacing:.08em}.direct-contact a{color:var(--gold2);font-weight:900;text-decoration:underline;text-underline-offset:4px}.lead-form-featured{padding:34px;border-radius:18px;border-top:6px solid var(--gold);box-shadow:0 28px 65px rgba(0,0,0,.26)}.lead-form-featured h2{margin:4px 0 8px;color:var(--navy);font:850 33px/1.1 var(--sans);letter-spacing:-.035em}.form-priority{color:#174c8f;font-size:12px;font-weight:900;letter-spacing:.12em}.lead-form-featured .form-note{margin-bottom:23px}.lead-submit{width:100%;margin-top:4px;min-height:54px;font-size:16px}.lead-carriers{padding:58px 0 45px;background:#fff;overflow:hidden}.lead-carrier-intro{max-width:820px;margin:0 auto 27px;text-align:center}.lead-carrier-intro h2{margin:8px 0 12px;color:var(--navy);font:850 clamp(31px,4vw,44px)/1.08 var(--sans);letter-spacing:-.045em}.lead-carrier-intro p{margin:0;color:var(--muted);font-size:14px;line-height:1.65}.lead-carriers .partner-track-viewport{padding:9px 0 14px}.lead-next{padding:66px 0 78px;background:#f4f8fc}.lead-next>.wrap>.section-kicker{text-align:center}.lead-next-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:17px;margin-top:25px}.lead-next-grid article{padding:27px 25px;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:0 10px 28px rgba(12,29,59,.055)}.lead-next-grid strong{display:grid;place-items:center;width:38px;height:38px;border-radius:50%;background:var(--navy);color:var(--gold2)}.lead-next-grid h3{margin:15px 0 7px;color:var(--navy);font:800 20px/1.2 var(--sans)}.lead-next-grid p{margin:0;color:var(--muted);font-size:14px;line-height:1.55}
@media(max-width:900px){.lead-page-grid{grid-template-columns:1fr;gap:37px}.lead-page-copy{max-width:720px}.lead-form-featured{max-width:720px;width:100%;margin:auto}}
@media(max-width:620px){.lead-page-hero{padding:45px 0}.lead-page-copy h1{font-size:42px}.lead-page-copy>p{font-size:16px}.lead-form-featured{padding:25px 20px}.lead-form-featured h2{font-size:29px}.lead-next-grid{grid-template-columns:1fr}.lead-carrier-intro{text-align:left}.lead-carriers{padding-top:47px}}
.lead-cta-card{align-self:center;padding:32px;border-radius:16px;background:#fff;color:var(--navy);box-shadow:0 22px 50px rgba(0,0,0,.2)}.lead-cta-card>span{color:#174c8f;font-size:12px;font-weight:900;letter-spacing:.12em}.lead-cta-card h3{margin:8px 0 10px;font:850 31px/1.1 var(--sans);letter-spacing:-.035em}.lead-cta-card p{margin:0 0 20px;color:var(--muted);line-height:1.6}.lead-cta-card .btn{width:100%}.lead-cta-card small{display:block;margin-top:12px;color:#66758b;line-height:1.45}

/* Benchmark rebuild: Kushner-style composition, adapted for Coverage With Shane */
.benchmark-page,.quiz-page{--bench-navy:#0c2d63;--bench-deep:#071f46;--bench-blue:#62a9e9;--bench-red:#e11b2e;--bench-ink:#112b52;--bench-text:#53627b;--bench-pale:#f1f5fb;font-family:Montserrat,-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--bench-text);background:#fff}.benchmark-page *,.quiz-page *{box-sizing:border-box}.benchmark-wrap{width:min(1130px,calc(100% - 40px));margin-inline:auto}.benchmark-header{background:#fff}.benchmark-top{background:#fff}.benchmark-top-inner{min-height:104px;display:flex;align-items:center;justify-content:space-between;gap:28px}.benchmark-brand{display:flex;align-items:center;gap:16px;color:var(--bench-ink)}.benchmark-mark{display:grid;place-items:center;width:72px;height:60px;border-right:1px solid #d4dbe6;color:var(--bench-navy);font-size:28px;font-weight:950;letter-spacing:-.06em}.benchmark-brand-copy{display:grid;gap:4px}.benchmark-brand-copy strong{font-size:17px;font-weight:900}.benchmark-brand-copy small{color:#6c7890;font-size:10px;font-weight:800;letter-spacing:.13em}.benchmark-top-actions{display:flex;align-items:center;gap:18px}.benchmark-phone{color:var(--bench-navy);font-size:14px;font-weight:900}.benchmark-proof{display:flex;align-items:center;gap:7px;padding:6px 9px;border:1px solid #d5dde8;border-radius:4px;color:var(--bench-navy);font-size:9px;line-height:1.05}.benchmark-proof span{display:grid;place-items:center;width:29px;height:29px;border-radius:3px;background:#eef4fa;font-weight:900}.benchmark-proof strong{max-width:60px}.benchmark-license{font-size:11px;font-weight:800;color:#657289}.benchmark-quote{display:inline-flex;align-items:center;justify-content:center;min-height:54px;padding:13px 28px;border-radius:999px;background:var(--bench-red);color:#fff;font-size:14px;font-weight:900;box-shadow:0 12px 22px rgba(225,27,46,.23)}.benchmark-menu{display:none}.benchmark-nav{background:var(--bench-navy)}.benchmark-nav-inner{min-height:60px;display:flex;align-items:stretch;justify-content:space-between}.benchmark-nav .nav{display:flex;gap:34px;align-items:stretch}.benchmark-nav .nav a{position:relative;display:flex;align-items:center;color:#dce6f5;font-size:15px;font-weight:650}.benchmark-nav .nav a:after{content:"";position:absolute;left:0;right:0;bottom:10px;height:3px;background:transparent}.benchmark-nav .nav a:hover,.benchmark-nav .nav a.active{color:#fff}.benchmark-nav .nav a:hover:after,.benchmark-nav .nav a.active:after{background:var(--bench-red)}.benchmark-social{display:flex;align-items:center;gap:8px}.benchmark-social a{display:grid;place-items:center;min-width:42px;height:42px;padding:0 9px;border-radius:50%;background:rgba(255,255,255,.08);color:#dce6f5;font-size:11px;font-weight:850}
.benchmark-hero{padding:66px 0 30px;background:radial-gradient(circle at 43% 10%,#134781 0,transparent 37%),linear-gradient(135deg,var(--bench-navy),var(--bench-deep));color:#fff}.benchmark-hero-grid{display:grid;grid-template-columns:1.12fr .88fr;gap:76px;align-items:center}.benchmark-hero-copy h1{margin:0;color:#fff;font-size:clamp(45px,5vw,64px);font-weight:950;line-height:1.04;letter-spacing:-.055em}.benchmark-hero-copy h1 em{color:var(--bench-blue);font-style:normal}.benchmark-hero-copy h1 span{position:relative;display:inline-block}.benchmark-hero-copy h1 span:after{content:"";position:absolute;left:-4px;right:-4px;bottom:-3px;height:11px;background:var(--bench-red);z-index:0}.benchmark-hero-copy h1 span{z-index:1}.benchmark-hero-copy h1 span::first-line{position:relative;z-index:2}.benchmark-hero-copy>p{max-width:620px;margin:27px 0 0;color:#c8d7ea;font-size:18px;line-height:1.6}.benchmark-actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:31px}.benchmark-btn{display:inline-flex;align-items:center;justify-content:center;min-height:61px;padding:15px 30px;border-radius:999px;font-size:15px;font-weight:900}.benchmark-btn.primary{background:var(--bench-red);color:#fff;box-shadow:0 12px 25px rgba(225,27,46,.24)}.benchmark-btn.secondary{border:2px solid rgba(255,255,255,.48);color:#fff}.benchmark-photo-card{position:relative;overflow:hidden;border:5px solid #fff;border-radius:26px;box-shadow:0 24px 55px rgba(0,0,0,.28)}.benchmark-photo-card img{display:block;width:100%;aspect-ratio:1/1.12;object-fit:cover;object-position:center 23%}.benchmark-photo-card:after{content:"";position:absolute;inset:52% 0 0;background:linear-gradient(transparent,rgba(3,20,45,.9))}.benchmark-photo-caption{position:absolute;z-index:2;left:23px;right:23px;bottom:20px;display:grid;gap:4px;color:#fff}.benchmark-photo-caption strong{font-size:20px}.benchmark-photo-caption span{font-size:13px;color:#d9e5f3}.benchmark-facts{grid-column:1/-1;display:grid;grid-template-columns:repeat(4,1fr);gap:6px;margin-top:-4px;padding:22px 26px;border-radius:25px;background:#fff;color:var(--bench-ink);box-shadow:0 14px 35px rgba(0,0,0,.18)}.benchmark-facts span{font-size:13px;font-weight:850;text-align:center}
.benchmark-compare{padding:88px 0 0;background:linear-gradient(180deg,#f5f8fd,#fff)}.benchmark-center-heading{max-width:790px;margin:0 auto 39px;text-align:center}.benchmark-kicker{color:#23669e;font-size:12px;font-weight:900;letter-spacing:.12em}.benchmark-center-heading h2,.benchmark-process h2,.benchmark-about h2,.benchmark-contact h2{margin:12px 0 15px;color:var(--bench-ink);font-size:clamp(35px,4.5vw,50px);font-weight:950;line-height:1.08;letter-spacing:-.045em}.benchmark-center-heading h2 em{color:var(--bench-red);font-style:normal}.benchmark-center-heading>p{margin:0;color:var(--bench-text);font-size:17px;line-height:1.65}.benchmark-compare-grid{display:grid;grid-template-columns:1fr 54px 1fr;gap:0;align-items:center;max-width:1020px;margin:auto}.benchmark-compare-grid article{min-height:355px;padding:38px 38px;border:1px solid #dfe6f0;border-radius:18px;background:#fff;box-shadow:0 15px 40px rgba(15,43,83,.08)}.benchmark-compare-grid article.featured{background:var(--bench-navy);color:#fff;border-color:var(--bench-navy)}.benchmark-compare-grid article>span{color:#5d6e87;font-size:11px;font-weight:900;letter-spacing:.13em}.benchmark-compare-grid article.featured>span{color:var(--bench-blue)}.benchmark-compare-grid h3{margin:9px 0 21px;color:var(--bench-ink);font-size:28px;font-weight:900;letter-spacing:-.03em}.benchmark-compare-grid .featured h3{color:#fff}.benchmark-compare-grid ul{display:grid;gap:0;margin:0;padding:0;list-style:none}.benchmark-compare-grid li{position:relative;padding:12px 0 12px 29px;border-bottom:1px solid #e7ebf2;color:#526179;font-size:15px;line-height:1.45}.benchmark-compare-grid li:before{content:"✓";position:absolute;left:0;color:#23669e;font-weight:950}.benchmark-compare-grid .featured li{border-color:rgba(255,255,255,.13);color:#dce6f4}.benchmark-compare-grid .featured li:before{color:var(--bench-blue)}.benchmark-vs{position:relative;z-index:3;display:grid;place-items:center;width:46px;height:46px;margin:auto;border:4px solid #fff;border-radius:50%;background:var(--bench-red);color:#fff;font-size:11px;font-weight:950}.benchmark-cover-links{display:flex;justify-content:center;align-items:center;flex-wrap:wrap;gap:13px;margin-top:42px;padding:26px 0 31px;border-top:1px solid #e2e8f0}.benchmark-cover-links strong{color:var(--bench-ink)}.benchmark-cover-links a{padding:9px 15px;border-radius:999px;background:#edf3fa;color:#245783;font-size:13px;font-weight:850}.benchmark-carriers{padding:42px 0 35px;background:#fff;overflow:hidden}.benchmark-carriers>.benchmark-wrap>p{max-width:760px;margin:0 auto 23px;text-align:center;color:var(--bench-ink);font-size:15px;font-weight:750}.benchmark-carrier-note{margin:16px 20px 0;text-align:center;color:#7a8799;font-size:11px}.benchmark-page .carrier-logo,.quiz-page .carrier-logo{width:168px;height:86px;flex:0 0 168px;padding:13px 18px;border:1px solid #e1e7ef;border-radius:9px;background:#fff;box-shadow:0 7px 20px rgba(12,45,99,.07)}.benchmark-page .partner-track,.quiz-page .partner-track{animation-duration:50s}
.benchmark-process{padding:85px 0;background:linear-gradient(135deg,var(--bench-navy),var(--bench-deep));color:#fff}.benchmark-process-grid{display:grid;grid-template-columns:1fr .9fr;gap:80px;align-items:center}.benchmark-process .benchmark-kicker{color:var(--bench-blue)}.benchmark-process h2{color:#fff}.benchmark-process p{color:#cbd9ea;font-size:16px;line-height:1.65}.benchmark-steps{display:grid;gap:19px;margin:0;padding:0;list-style:none}.benchmark-steps li{display:grid;grid-template-columns:52px 1fr;gap:17px;align-items:start}.benchmark-steps li>strong{display:grid;place-items:center;width:50px;height:50px;border-radius:50%;background:var(--bench-red);color:#fff;font-size:20px}.benchmark-steps h3{margin:2px 0 4px;color:#fff;font-size:20px}.benchmark-steps p{margin:0;font-size:14px}.benchmark-about{padding:90px 0;background:#fff}.benchmark-about-grid{display:grid;grid-template-columns:.88fr 1.12fr;gap:75px;align-items:center}.benchmark-about-photo{position:relative}.benchmark-about-photo img{display:block;width:100%;aspect-ratio:1/1.04;object-fit:cover;object-position:center 23%;border-radius:20px;box-shadow:0 24px 55px rgba(12,45,99,.18)}.benchmark-about-photo span{position:absolute;left:20px;bottom:18px;padding:10px 15px;border-radius:999px;background:#fff;color:var(--bench-ink);font-weight:900}.benchmark-about>p,.benchmark-about-grid>div>p{font-size:17px;line-height:1.7}.benchmark-trust-card{margin:24px 0;padding:21px 23px;border-left:5px solid var(--bench-red);border-radius:8px;background:var(--bench-pale)}.benchmark-trust-card strong{color:var(--bench-ink)}.benchmark-trust-card ul{display:grid;grid-template-columns:1fr 1fr;gap:9px 25px;margin:13px 0 0;padding:0;list-style:none}.benchmark-trust-card li{position:relative;padding-left:20px;font-size:14px}.benchmark-trust-card li:before{content:"✓";position:absolute;left:0;color:#23669e;font-weight:900}.benchmark-text-link{color:#145f9d;font-weight:900;text-decoration:underline;text-underline-offset:4px}.benchmark-contact{padding:90px 0;background:var(--bench-pale)}.benchmark-contact-grid{display:grid;grid-template-columns:.86fr 1.14fr;gap:70px;align-items:start}.benchmark-contact>p,.benchmark-contact-grid>div>p{font-size:17px;line-height:1.65}.benchmark-contact-list{display:grid;gap:12px;margin-top:27px}.benchmark-contact-list>a,.benchmark-contact-list>span{display:flex;align-items:center;gap:14px;color:var(--bench-ink)}.benchmark-contact-list b{display:grid;place-items:center;width:42px;height:42px;border-radius:50%;background:var(--bench-navy);color:#fff}.benchmark-contact-list span span{display:grid;font-weight:850}.benchmark-contact-list small{color:#7b889a;font-size:9px;letter-spacing:.11em}.benchmark-contact-form{padding:32px;border-radius:18px;background:#fff;box-shadow:0 22px 55px rgba(12,45,99,.12)}.benchmark-page .field label,.quiz-page .field label{display:block;margin-bottom:7px;color:#30445f;font-size:11px;font-weight:900;text-transform:uppercase;letter-spacing:.08em}.benchmark-page .field input,.benchmark-page .field select,.benchmark-page .field textarea,.quiz-page .field input,.quiz-page .field select{width:100%;min-height:50px;border:1px solid #ced7e4;border-radius:8px;background:#fff;padding:11px 13px;color:#1e3658;font:500 16px/1.35 inherit}.benchmark-page .field textarea{min-height:88px}.benchmark-consent{display:flex;align-items:flex-start;gap:10px;color:#56657a;font-size:12px;line-height:1.5}.benchmark-consent input{margin-top:3px;width:17px;height:17px}.benchmark-submit{display:inline-flex;align-items:center;justify-content:center;width:100%;min-height:55px;margin-top:17px;border:0;border-radius:999px;background:var(--bench-red);color:#fff;font:900 15px/1 inherit;cursor:pointer}.benchmark-submit[disabled]{opacity:.65}.benchmark-footer{padding:64px 0 31px;background:#071d40;color:#c4d1e1}.benchmark-footer-grid{display:grid;grid-template-columns:1.8fr repeat(3,1fr);gap:42px}.benchmark-footer h3{margin:0 0 15px;color:#fff;font-size:11px;letter-spacing:.12em;text-transform:uppercase}.benchmark-footer-grid>div{display:flex;flex-direction:column;gap:9px}.benchmark-footer a,.benchmark-footer span{color:#c4d1e1;font-size:13px}.footer-brand{margin-bottom:8px}.footer-brand .benchmark-mark{border-color:rgba(255,255,255,.16);color:#fff}.footer-brand .benchmark-brand-copy strong{color:#fff}.benchmark-footer p{max-width:400px;margin:0;font-size:13px;line-height:1.6}.benchmark-disclosure{max-width:none!important;margin-top:36px!important;padding-top:25px;border-top:1px solid rgba(255,255,255,.12);font-size:10px!important;color:#8fa0b7}.benchmark-copy{margin-top:13px!important;color:#8fa0b7}
/* Quote quiz */
.quiz-page{min-height:100vh;background:var(--bench-pale)}.quiz-wrap{width:min(680px,calc(100% - 34px));margin-inline:auto}.quiz-brand{display:flex;justify-content:center;align-items:center;min-height:78px;background:var(--bench-navy)}.quiz-brand a{display:flex;align-items:center;gap:13px;color:#fff}.quiz-brand span,.quiz-footer-brand span{display:grid;place-items:center;width:47px;height:42px;border-right:1px solid rgba(255,255,255,.35);font-size:20px;font-weight:950}.quiz-brand strong{font-size:16px}.quiz-hero{padding:11px 0 64px;background:var(--bench-navy);color:#fff;text-align:center}.quiz-hero h1{max-width:660px;margin:0 auto;color:#fff;font-size:clamp(34px,4.2vw,48px);font-weight:950;line-height:1.12;letter-spacing:-.04em}.quiz-hero p{max-width:560px;margin:17px auto 0;color:#c8d7ea;font-size:17px;line-height:1.55}.quiz-surface{min-height:610px;padding:0 0 62px}.quiz-card{position:relative;margin-top:-33px;padding:28px 28px 32px;border-radius:18px;background:#fff;box-shadow:0 18px 48px rgba(13,45,97,.14)}.quiz-proof{display:flex;justify-content:center;flex-wrap:wrap;gap:15px 29px;padding-bottom:20px;color:var(--bench-ink);font-size:12px;font-weight:850}.quiz-proof span:where(:first-child,:nth-child(2),:nth-child(3)){white-space:nowrap}.quiz-progress{height:6px;overflow:hidden;border-radius:999px;background:#dce5f0}.quiz-progress i{display:block;width:20%;height:100%;border-radius:999px;background:#2171ad;transition:width .25s ease}.quiz-stage{padding-top:20px}.quiz-step-label{display:block;margin:0 0 25px;color:#7e8b9f;font-size:12px}.quiz-kicker{margin-bottom:12px;color:#1a679f;font-size:12px;font-weight:900;letter-spacing:.12em;text-transform:uppercase}.quiz-stage h2,.quiz-lead-form h2,.quiz-person h2{margin:0 0 8px;color:var(--bench-ink);font-size:29px;font-weight:950;line-height:1.16;letter-spacing:-.03em}.quiz-stage>p,.quiz-lead-form>p{margin:0 0 22px;color:#748095;font-size:15px;line-height:1.55}.quiz-options{display:grid;gap:11px}.quiz-option{position:relative;width:100%;padding:17px 18px 17px 53px;border:1px solid #d9e0ea;border-radius:12px;background:#fff;color:var(--bench-ink);text-align:left;cursor:pointer}.quiz-option:before{content:"";position:absolute;left:18px;top:50%;width:20px;height:20px;border:2px solid #c4d1df;border-radius:50%;transform:translateY(-50%)}.quiz-option:hover,.quiz-option:focus-visible{border-color:#73a9d5;background:#f8fbff}.quiz-option strong,.quiz-option span{display:block}.quiz-option strong{font-size:15px}.quiz-option span{margin-top:4px;color:#7b8799;font-size:13px}.quiz-nav{display:flex;justify-content:space-between;align-items:center;gap:15px;margin-top:18px}.quiz-back{border:0;background:transparent;color:#5f718a;font:800 13px/1 inherit;cursor:pointer}.quiz-zip{display:grid;grid-template-columns:1fr auto;gap:11px}.quiz-zip input{min-height:54px;border:1px solid #ccd6e3;border-radius:9px;padding:12px 14px;font:600 17px/1 inherit}.quiz-continue{min-height:54px;padding:12px 24px;border:0;border-radius:999px;background:var(--bench-red);color:#fff;font-weight:900;cursor:pointer}.quiz-result{padding:10px 2px 0;text-align:center}.quiz-result-badge{display:inline-block;margin-bottom:15px;padding:7px 12px;border-radius:999px;background:#e9f4ff;color:#19669e;font-size:11px;font-weight:900;letter-spacing:.1em}.quiz-result h2{font-size:34px}.quiz-summary{display:grid;grid-template-columns:repeat(2,1fr);gap:9px;margin:23px 0;text-align:left}.quiz-summary span{padding:12px;border-radius:9px;background:#f3f6fa;color:#41536d;font-size:12px}.quiz-result .benchmark-submit{max-width:360px}.quiz-lead-form{margin-top:-33px}.quiz-lead-form[hidden]{display:none}.quiz-lead-form>.quiz-progress{margin-bottom:20px}.quiz-form-actions{display:grid;grid-template-columns:auto 1fr;gap:15px;align-items:center}.quiz-lead-form .benchmark-submit{margin-top:0}.quiz-privacy{margin-top:14px!important;font-size:11px!important}.quiz-carriers{padding:42px 0 35px;background:#fff;overflow:hidden;text-align:center}.quiz-carriers>.quiz-wrap>p{margin:0 0 21px;color:#27608d;font-size:11px;font-weight:900;letter-spacing:.12em}.quiz-carriers small{display:block;margin:15px 20px 0;color:#7b8799}.quiz-person{padding:65px 0;background:#f7f9fc}.quiz-person-grid{display:grid;grid-template-columns:180px 1fr;gap:32px;align-items:center}.quiz-person img{display:block;width:180px;height:180px;object-fit:cover;object-position:center 22%;border-radius:18px}.quiz-person p{margin:0 0 12px;line-height:1.6}.quiz-person a{color:#12639f;font-weight:900}.quiz-footer{padding:35px 0;background:#071d40;color:#aebed2;text-align:center}.quiz-footer-brand{display:inline-flex;align-items:center;gap:9px;color:#fff;font-weight:900}.quiz-footer p{font-size:12px}.quiz-footer a{color:#dce6f4}.quiz-footer small{display:block;font-size:9px;line-height:1.6}
@media(max-width:980px){.benchmark-top-actions{gap:10px}.benchmark-proof,.benchmark-license{display:none}.benchmark-hero-grid{gap:40px}.benchmark-process-grid,.benchmark-about-grid,.benchmark-contact-grid{gap:45px}.benchmark-footer-grid{grid-template-columns:1.4fr 1fr 1fr}.benchmark-footer-grid>div:last-child{grid-column:2/-1}}
@media(max-width:760px){.benchmark-wrap{width:min(100% - 34px,1130px)}.benchmark-top-inner{min-height:76px}.benchmark-mark{width:53px;height:47px}.benchmark-brand-copy strong{font-size:15px}.benchmark-brand-copy small{font-size:8px}.benchmark-top-actions{display:none}.benchmark-menu{display:block;border:1px solid #c7d1df;border-radius:8px;background:#fff;padding:9px 13px;color:var(--bench-navy);font-weight:900}.benchmark-nav{height:0;position:relative;z-index:20}.benchmark-nav-inner{min-height:0}.benchmark-nav .nav{display:none;position:absolute;left:17px;right:17px;top:0;flex-direction:column;gap:0;padding:10px 20px;background:var(--bench-navy);box-shadow:0 18px 35px rgba(0,0,0,.25)}.benchmark-nav .nav.open{display:flex}.benchmark-nav .nav a{min-height:48px;border-bottom:1px solid rgba(255,255,255,.12)}.benchmark-nav .nav a:after{display:none}.benchmark-social{display:none}.benchmark-hero{padding:46px 0 29px}.benchmark-hero-grid{grid-template-columns:1fr;gap:35px}.benchmark-hero-copy h1{font-size:46px}.benchmark-hero-copy>p{font-size:16px}.benchmark-photo-card{max-width:520px}.benchmark-facts{grid-template-columns:1fr 1fr;margin-top:0;border-radius:18px;padding:18px}.benchmark-facts span{text-align:left;font-size:12px}.benchmark-compare{padding-top:65px}.benchmark-center-heading{text-align:left}.benchmark-center-heading h2{font-size:37px}.benchmark-compare-grid{grid-template-columns:1fr;gap:10px}.benchmark-compare-grid article{min-height:0;padding:28px 24px}.benchmark-vs{margin:-2px auto}.benchmark-cover-links{justify-content:flex-start}.benchmark-process{padding:65px 0}.benchmark-process-grid,.benchmark-about-grid,.benchmark-contact-grid{grid-template-columns:1fr}.benchmark-process h2,.benchmark-about h2,.benchmark-contact h2{font-size:37px}.benchmark-about{padding:65px 0}.benchmark-about-photo{max-width:500px}.benchmark-trust-card ul{grid-template-columns:1fr}.benchmark-contact{padding:65px 0}.benchmark-contact-form{padding:24px 20px}.benchmark-footer-grid{grid-template-columns:1fr 1fr}.benchmark-footer-grid>div:first-child{grid-column:1/-1}.benchmark-footer-grid>div:last-child{grid-column:auto}.quiz-hero{padding-bottom:57px}.quiz-card{padding:23px 20px 27px}.quiz-proof{gap:9px 15px}.quiz-stage h2,.quiz-lead-form h2{font-size:26px}.quiz-person-grid{grid-template-columns:110px 1fr;gap:21px}.quiz-person img{width:110px;height:130px}}
@media(max-width:480px){.benchmark-hero-copy h1{font-size:40px}.benchmark-btn{width:100%;min-height:55px}.benchmark-facts{grid-template-columns:1fr}.benchmark-photo-caption strong{font-size:17px}.benchmark-compare-grid h3{font-size:24px}.benchmark-footer-grid{grid-template-columns:1fr}.benchmark-footer-grid>div:first-child{grid-column:auto}.quiz-proof{display:grid;grid-template-columns:1fr}.quiz-proof span{text-align:left}.quiz-zip{grid-template-columns:1fr}.quiz-summary{grid-template-columns:1fr}.quiz-person-grid{grid-template-columns:1fr}.quiz-person img{width:140px;height:150px}.quiz-form-actions{grid-template-columns:1fr}.quiz-back{order:2;min-height:40px}}

/* Portrait scale correction: keep Shane present without letting either photo dominate. */
.benchmark-photo-card{justify-self:end;width:min(100%,460px)}
.benchmark-photo-card img{height:530px;aspect-ratio:auto}
.benchmark-about-grid{grid-template-columns:.72fr 1.28fr}
.benchmark-about-photo{justify-self:center;width:min(100%,370px)}
.benchmark-about-photo img{height:440px;aspect-ratio:auto}
@media(max-width:760px){
  .benchmark-photo-card{justify-self:center;width:min(100%,390px)}
  .benchmark-photo-card img{height:440px}
  .benchmark-about-photo{width:min(100%,310px)}
  .benchmark-about-photo img{height:350px}
}
@media(max-width:480px){
  .benchmark-photo-card{width:min(100%,340px)}
  .benchmark-photo-card img{height:390px}
  .benchmark-about-photo{width:min(100%,280px)}
  .benchmark-about-photo img{height:315px}
}

/* Quote, hours and social refinements requested for the mentor-style layout. */
.benchmark-phone-block{display:grid;gap:2px;line-height:1.1}
.benchmark-phone-block small{color:#6f7b8f;font-size:9px;font-weight:800;text-align:center;letter-spacing:.03em}
.benchmark-facebook{font-family:Arial,sans-serif;font-size:18px!important;font-weight:900!important}
.benchmark-compare-grid article:not(.featured) li:before{content:"×";display:grid;place-items:center;width:22px;height:22px;top:11px;border-radius:50%;background:#e8edf4;color:#9aabba}
.quiz-brand{position:relative}
.quiz-facebook{position:absolute;right:22px;padding:8px 14px;border-radius:999px;background:rgba(255,255,255,.1);color:#fff;font-size:12px;font-weight:900}
.quiz-hours{display:block;margin-top:5px;color:#6b7a90;font-size:12px;font-weight:800}
.quiz-estimate{display:flex;align-items:baseline;justify-content:center;gap:8px;margin:18px 0 12px;color:var(--bench-navy);font-size:clamp(38px,8vw,56px);font-weight:950;letter-spacing:-.045em}
.quiz-estimate small{font-size:13px;font-weight:850;letter-spacing:0;color:#6f7d91}
.quiz-estimate-note{margin:16px 0!important;padding:13px 15px;border-radius:9px;background:#f1f5fa;color:#69788c!important;font-size:11px!important;line-height:1.55!important;text-align:left}
@media(max-width:760px){
  .benchmark-nav{height:64px}
  .benchmark-nav-inner{min-height:64px;align-items:center}
  .benchmark-nav .nav{top:64px}
  .benchmark-social{display:flex}
  .benchmark-social a{min-width:38px;height:38px;padding:0 8px}
}
@media(max-width:480px){
  .quiz-facebook{right:12px;padding:7px 10px;font-size:10px}
  .quiz-estimate{display:grid;gap:0}
}

/* One Coverage With Shane design system across the home, guide, and estimate pages. */
:root{
  --navy:#0c2d63;
  --navy2:#173f75;
  --blue:#246fc3;
  --blue2:#145fb5;
  --sky:#eaf3fc;
  --cyan:#4b9ed0;
  --teal:#267987;
  --gold:#edb94d;
  --gold2:#ffdc86;
  --ink:#172b49;
  --muted:#58677a;
  --serif:var(--sans);
}
.benchmark-page,.quiz-page{
  --bench-navy:#0c2d63;
  --bench-deep:#071d40;
  --bench-blue:#68a9df;
  --bench-red:#edb94d;
  --bench-ink:#172b49;
  --bench-text:#536273;
  --bench-pale:#f2f6fb;
  font-family:var(--sans);
  color:var(--bench-text);
}
.benchmark-page h1,.benchmark-page h2,.benchmark-page h3,.quiz-page h1,.quiz-page h2,.quiz-page h3{
  font-family:var(--sans);
}
.detail-hero.health{background:linear-gradient(135deg,#0c2d63,#173f75)}
.benchmark-quote,.benchmark-btn.primary,.benchmark-submit,.quiz-continue,.btn-blue{
  background:#edb94d!important;
  color:#0c2d63!important;
  box-shadow:0 10px 24px rgba(195,139,33,.2);
}
.benchmark-nav .nav a:hover:after,.benchmark-nav .nav a.active:after,
.benchmark-page .benchmark-vs,.benchmark-page .benchmark-steps li>strong{
  background:#edb94d;
}
.benchmark-page .benchmark-hero-copy h1 span{
  isolation:isolate;
}
.benchmark-page .benchmark-hero-copy h1 span:after{
  left:-.08em;
  right:-.08em;
  bottom:.02em;
  height:.24em;
  background:#df2638;
  z-index:-1;
  border-radius:.04em;
  transform:rotate(-.7deg);
}
.benchmark-page .benchmark-vs,.benchmark-page .benchmark-steps li>strong{color:#0c2d63}
.benchmark-center-heading h2 em{color:#9b6800}
.benchmark-trust-card{border-left-color:#edb94d}
.quiz-progress i{background:#438bc5}
.benchmark-referral-note{
  max-width:790px;
  margin:22px auto 25px;
  padding:15px 19px;
  border-left:4px solid #edb94d;
  border-radius:8px;
  background:#f0f5fb;
  color:#334862;
  font-size:15px;
  line-height:1.55;
}
.hero-kicker{
  margin:0 0 14px;
  color:#ffdc86;
  font-size:12px;
  font-weight:900;
  letter-spacing:.14em;
  text-transform:uppercase;
}
.benchmark-page .benchmark-footer a:hover,.footer a:hover{color:#ffdc86}

.life-final-category .category-grid{grid-template-columns:minmax(0,1fr);max-width:620px}

/* Larger polished 3D brand marks in the shared site header */
.benchmark-header .benchmark-brand{
  position:relative;
  flex:0 0 auto;
  width:480px;
  height:100px;
  gap:0;
  background:url('/assets/coverage-with-shane-logo-3d.png') left center/296px auto no-repeat;
}
.benchmark-header .benchmark-brand>.benchmark-mark,
.benchmark-header .benchmark-brand>.benchmark-brand-copy{display:none}
.benchmark-header .benchmark-brand::after{
  content:"";
  position:absolute;
  left:310px;
  top:50%;
  width:150px;
  height:66px;
  transform:translateY(-50%);
  border-left:1px solid #d7dee8;
  background:url('/assets/usabg-partner-mark-3d.png') center/contain no-repeat;
}

@media(max-width:980px) and (min-width:761px){
  .benchmark-header .benchmark-brand{width:395px;background-size:244px auto}
  .benchmark-header .benchmark-brand::after{left:257px;width:126px;height:62px}
}

@media(max-width:760px){
  .benchmark-header{position:relative}
  .benchmark-top-inner{min-height:84px;gap:6px}
  .benchmark-header .benchmark-brand{
    width:250px;
    height:72px;
    background-size:158px auto;
  }
  .benchmark-header .benchmark-brand::after{
    left:166px;
    width:80px;
    height:48px;
  }
  .benchmark-top-actions{display:flex;gap:0}
  .benchmark-top-actions>*:not(.benchmark-quote){display:none}
  .benchmark-quote{
    min-height:46px;
    min-width:90px;
    padding:11px 11px;
    background:#0c2d63;
    box-shadow:0 9px 18px rgba(12,45,99,.2);
    font-size:0;
  }
  .benchmark-quote::after{content:"Free Quote";font-size:13px;color:#fff}
  .benchmark-menu{
    position:absolute;
    z-index:24;
    right:17px;
    top:95px;
    width:43px;
    height:36px;
    padding:0;
    border:0;
    border-radius:5px;
    background:transparent;
    font-size:0;
  }
  .benchmark-menu::before{
    content:"";
    display:block;
    width:29px;
    height:20px;
    margin:auto;
    background:linear-gradient(#fff 0 0) top/100% 3px no-repeat,
      linear-gradient(#fff 0 0) center/100% 3px no-repeat,
      linear-gradient(#fff 0 0) bottom/100% 3px no-repeat;
  }
  .benchmark-nav{height:58px}
  .benchmark-nav-inner{min-height:58px;align-items:center}
  .benchmark-nav .nav{top:58px}
  .benchmark-social{display:flex}
  .benchmark-social a:not(.benchmark-facebook){display:none}
}

@media(max-width:390px){
  .benchmark-header .benchmark-brand{width:228px;background-size:144px auto}
  .benchmark-header .benchmark-brand::after{left:151px;width:73px;height:46px}
  .benchmark-quote{min-width:86px;padding-inline:9px}
}

@media(max-width:340px){
  .benchmark-top-inner{gap:4px}
  .benchmark-header .benchmark-brand{width:190px;background-size:119px auto}
  .benchmark-header .benchmark-brand::after{left:125px;width:61px;height:42px}
  .benchmark-quote{min-width:82px;padding-inline:7px}
}
.booking-panel h3{margin:8px 0 12px;color:var(--bench-navy);font-size:26px;line-height:1.2}.booking-panel p{color:#43536a;line-height:1.65}.booking-panel .booking-note{margin:18px 0 0;font-size:13px}.booking-note a{color:#145f9d;font-weight:800;text-decoration:underline;text-underline-offset:3px}.booking-link{text-decoration:none;text-align:center}.booking-link:focus-visible{outline:3px solid #1a73e8;outline-offset:3px}.booking-icon{display:grid;place-items:center;width:48px;height:48px;margin-bottom:18px;border-radius:50%;background:#e8f0fb;color:var(--bench-navy);font-size:25px;font-weight:800}
/* Conversion pages: self-employed and small-business lead capture */
.lead-capture-section{padding:68px 0;background:#f2f6fb}.lead-capture-grid{display:grid;grid-template-columns:minmax(0,.85fr) minmax(320px,1fr);gap:42px;align-items:start}.lead-capture-grid h2{font-size:clamp(1.8rem,3.4vw,2.55rem);line-height:1.1;color:#0c2d63}.lead-capture-grid>div>p{color:#52637b;line-height:1.65}.lead-request-form{display:grid;gap:14px;padding:24px;background:#fff;border:1px solid #dbe3ee;border-radius:18px;box-shadow:0 12px 34px #0c2d6310}.lead-request-form label{display:grid;gap:6px;font-weight:650;color:#233652}.lead-request-form input:not([type=checkbox]),.lead-request-form select{width:100%;min-height:46px;padding:10px 12px;border:1px solid #c7d1df;border-radius:9px;background:#fff;font:inherit;color:#182c49}.lead-request-form input:focus,.lead-request-form select:focus{outline:3px solid #b8d5ff;border-color:#2768bd}.lead-form-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}.lead-consent{display:flex!important;align-items:flex-start;gap:10px!important;font-size:.88rem;font-weight:450!important;line-height:1.5;color:#46566d!important}.lead-consent input{margin-top:4px;accent-color:#0c2d63}.lead-request-form .benchmark-submit{min-height:48px;border:0;border-radius:999px;background:#0c2d63;color:#fff;font:inherit;font-weight:750;cursor:pointer}.lead-request-form .benchmark-submit:disabled{opacity:.65;cursor:wait}.lead-form-status{min-height:1.4em;margin:0;color:#0c2d63;font-weight:650}.lead-request-form>small{color:#627189;line-height:1.5}.lead-honeypot{position:absolute!important;left:-10000px!important;width:1px!important;height:1px!important;overflow:hidden!important}.coverage-table-wrap{overflow-x:auto;margin:20px 0 26px}.coverage-table{width:100%;border-collapse:collapse;background:#fff;border:1px solid #dbe3ee;border-radius:14px;overflow:hidden}.coverage-table th,.coverage-table td{padding:15px;text-align:left;vertical-align:top;border-bottom:1px solid #e5eaf1;line-height:1.55}.coverage-table thead th{background:#0c2d63;color:white}.coverage-table tbody th{min-width:180px;color:#0c2d63;background:#f6f8fb}.coverage-table td{color:#47566b}.comparison-guide h2{margin-top:30px}.comparison-guide li{margin:.55rem 0;line-height:1.55}.lead-request-form button:focus,.coverage-table a:focus{outline:3px solid #8ab8f2;outline-offset:2px}@media(max-width:760px){.lead-capture-grid{grid-template-columns:1fr;gap:22px}.lead-form-row{grid-template-columns:1fr}.lead-request-form{padding:18px}.coverage-table{min-width:760px}}
.benchmark-paths{padding:74px 0;background:#f7f9fc}.path-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:28px}.path-cards>a{display:block;padding:23px 22px;background:#fff;border:1px solid #dce4ef;border-radius:16px;color:#24344b;text-decoration:none;box-shadow:0 10px 30px #0c2d630a;transition:transform .18s ease,box-shadow .18s ease}.path-cards>a:hover{transform:translateY(-3px);box-shadow:0 16px 36px #0c2d6318}.path-cards span{font-size:.72rem;font-weight:800;letter-spacing:.1em;color:#59708f}.path-cards h3{margin:12px 0 8px;color:#0c2d63;font-size:1.28rem}.path-cards p{color:#5b6b80;line-height:1.55;min-height:3.1em}.path-cards strong{color:#1759a8}@media(max-width:760px){.path-cards{grid-template-columns:1fr}.path-cards p{min-height:0}}