:root{--navy:#102c47;--navy-2:#173c5c;--blue:#2f7ef7;--blue-deep:#205fca;--teal:#24beb4;--teal-dark:#138f89;--ink:#193854;--muted:#657c91;--muted-2:#8294a7;--line:#e2eaf1;--pale:#f5f8fc;--pale-blue:#edf5ff;--pale-teal:#e8faf6;--white:#fff;--shadow:0 20px 55px rgba(22,55,85,.10);--shadow-card:0 12px 35px rgba(20,54,84,.075);--radius:24px;--radius-lg:32px;--container:1200px}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:100px}body{margin:0;background:#fff;color:var(--ink);font-family:"DM Sans",Inter,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;font-size:16px;line-height:1.65;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}img{max-width:100%;height:auto;display:block}a{color:inherit;text-decoration:none}a:hover{color:var(--blue)}button,input,select,textarea{font:inherit}button,a,input,select,textarea{outline-offset:4px}button:focus-visible,a:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,summary:focus-visible{outline:3px solid #75cfc9;outline-offset:3px}.site-container{width:min(var(--container),calc(100% - 52px));margin-inline:auto}.screen-reader-text{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.skip-link{position:absolute;left:12px;top:-80px;z-index:1000;padding:12px 18px;background:var(--navy);color:#fff;border-radius:12px}.skip-link:focus{top:12px;color:#fff}.button{display:inline-flex;align-items:center;justify-content:center;gap:12px;min-height:48px;padding:13px 20px;border:1px solid transparent;border-radius:13px;font-weight:700;font-size:14px;letter-spacing:-.01em;line-height:1.25;transition:transform .2s ease,box-shadow .2s ease,background .2s ease,border-color .2s ease;cursor:pointer}.button:hover{transform:translateY(-2px)}.button-primary{background:var(--blue);color:#fff;box-shadow:0 10px 23px rgba(47,126,247,.24)}.button-primary:hover{color:#fff;background:#206ce9;box-shadow:0 13px 30px rgba(47,126,247,.32)}.button-white{background:#fff;color:var(--navy);box-shadow:0 8px 22px rgba(8,39,68,.12)}.button-white:hover{background:#f4fbff;color:var(--blue-deep)}.button-outline{border-color:#cbd8e5;background:#fff;color:var(--navy)}.button-outline:hover{border-color:var(--blue);background:#f8fbff;color:var(--blue)}.button-quiet{background:transparent;color:var(--navy);border-color:transparent}.button-quiet:hover{background:#f3f7fc;color:var(--blue)}.button-large{min-height:56px;padding:17px 23px;border-radius:15px;font-size:15px}.button-glass{color:#fff;background:rgba(255,255,255,.10);border-color:rgba(255,255,255,.3);backdrop-filter:blur(12px)}.button-glass:hover{background:rgba(255,255,255,.18);color:#fff}.text-link{display:inline-flex;align-items:center;gap:9px;font-size:14px;font-weight:700;color:var(--blue);transition:gap .2s ease}.text-link:hover{gap:13px;color:var(--blue-deep)}.text-link span{font-size:18px;line-height:1}
/* Topline and header */
.topline{background:var(--navy);color:#d8e7f4;font-size:12px;letter-spacing:.01em}.topline-inner{display:flex;align-items:center;justify-content:space-between;min-height:37px;gap:18px}.topline p{display:flex;align-items:center;gap:8px;margin:0}.status-dot{width:6px;height:6px;border-radius:100%;background:var(--teal);box-shadow:0 0 0 4px rgba(36,190,180,.14)}.topline-links{display:flex;gap:14px;align-items:center}.topline-links a{color:#e7f2fa}.topline-links a:hover{color:#7be7dc}.topline-divider{width:1px;height:13px;background:rgba(255,255,255,.25)}.site-header{position:sticky;top:0;z-index:80;background:rgba(255,255,255,.91);backdrop-filter:blur(18px);border-bottom:1px solid rgba(226,234,241,.76)}.header-inner{display:flex;align-items:center;justify-content:space-between;min-height:88px;gap:30px}.brand{display:inline-flex;align-items:center;gap:12px;flex:0 0 auto}.brand img{width:46px;height:46px}.brand-text{display:flex;flex-direction:column;line-height:1.15}.brand-text strong{font-family:Manrope,"DM Sans",sans-serif;font-size:16px;letter-spacing:-.045em;font-weight:800;color:var(--navy)}.brand-text small{margin-top:5px;font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.095em;color:#7e92a8}.primary-nav{display:flex;align-items:center;gap:30px}.primary-nav .menu{display:flex;align-items:center;gap:24px;margin:0;padding:0;list-style:none}.primary-nav .menu li{position:relative}.primary-nav .menu a{display:inline-flex;align-items:center;padding:10px 0;font-size:13px;font-weight:700;color:#4f657a;white-space:nowrap;transition:color .18s ease}.primary-nav .menu a:hover,.primary-nav .menu .current-menu-item>a{color:var(--blue)}.header-cta{min-height:46px;padding:12px 17px;white-space:nowrap;font-size:13px}.nav-toggle{display:none;width:45px;height:42px;border:1px solid var(--line);background:#fff;border-radius:12px;align-items:center;justify-content:center;flex-direction:column;gap:5px;cursor:pointer}.nav-toggle span{width:19px;height:2px;border-radius:3px;background:var(--navy);transition:transform .2s ease}
/* Hero */
.hero-section{position:relative;overflow:hidden;padding:64px 0 45px;background:radial-gradient(circle at 84% 24%,rgba(195,239,235,.33),transparent 29%),linear-gradient(180deg,#fbfdff 0%,#fff 100%)}.hero-section:before{content:"";position:absolute;top:-180px;left:-160px;width:450px;height:450px;border-radius:50%;border:1px solid rgba(47,126,247,.07);box-shadow:0 0 0 34px rgba(47,126,247,.018),0 0 0 72px rgba(47,126,247,.014);pointer-events:none}.hero-grid{display:grid;grid-template-columns:1.02fr .98fr;align-items:center;gap:36px;position:relative;z-index:1}.hero-copy{padding:14px 0 18px;max-width:600px}.eyebrow{display:flex;align-items:center;gap:9px;margin:0 0 18px;color:#4b6885;font-size:11px;font-weight:800;letter-spacing:.13em;text-transform:uppercase}.eyebrow-dot{display:inline-block;width:8px;height:8px;border-radius:100%;background:var(--teal);box-shadow:0 0 0 5px rgba(36,190,180,.13)}h1,h2,h3,h4{font-family:Manrope,"DM Sans",sans-serif;line-height:1.12;letter-spacing:-.055em;color:var(--navy)}h1{font-size:clamp(42px,5.5vw,72px);font-weight:800;margin:0 0 24px}h1 em,h2 em{font-style:normal;color:var(--blue)}.hero-lede{font-size:18px;line-height:1.7;max-width:530px;color:#5b7086;margin:0 0 30px}.hero-actions{display:flex;flex-wrap:wrap;gap:10px;align-items:center}.hero-reassurance{display:flex;align-items:center;gap:10px;flex-wrap:wrap;margin-top:24px;font-size:11px;font-weight:700;color:#6f8397}.hero-reassurance i{display:block;width:3px;height:3px;border-radius:50%;background:#a4b4c4}.check-badge{display:inline-flex;align-items:center;justify-content:center;width:17px;height:17px;background:#ddf8f2;color:#15978e;border-radius:100%;font-size:11px;font-weight:900}.hero-trust-row{display:flex;align-items:center;gap:13px;padding-top:29px;margin-top:27px;border-top:1px solid #e8eef4;max-width:465px}.avatar-stack{display:flex;align-items:center}.avatar-stack span{display:flex;align-items:center;justify-content:center;width:33px;height:33px;border:2px solid #fff;border-radius:50%;margin-left:-8px;background:#e2f7f4;color:#178e89;font-size:12px;font-weight:800}.avatar-stack span:first-child{margin-left:0;background:#e5efff;color:#2f7ef7}.avatar-stack span:last-child{background:#f0edff;color:#747ce9}.hero-trust-row p{margin:0;font-size:12px;line-height:1.6;color:#8292a4}.hero-trust-row strong{font-size:13px;color:var(--navy)}.hero-art-wrap{position:relative;min-height:545px;display:flex;align-items:center;justify-content:center}.hero-art-glow{position:absolute;width:82%;height:75%;border-radius:48%;background:linear-gradient(145deg,rgba(47,126,247,.08),rgba(36,190,180,.12));filter:blur(28px)}.hero-art{width:min(100%,660px);position:relative;z-index:1;filter:drop-shadow(0 22px 30px rgba(30,85,112,.08));animation:floatIn 1s cubic-bezier(.2,.8,.2,1) both}.hero-floating-card{position:absolute;z-index:2;display:flex;align-items:center;gap:11px;padding:12px 14px;background:rgba(255,255,255,.94);border:1px solid rgba(222,232,241,.9);box-shadow:0 13px 35px rgba(24,59,90,.12);border-radius:16px;backdrop-filter:blur(16px)}.float-card-one{top:13%;left:-4%;animation:float 6s ease-in-out infinite}.float-card-two{right:-1%;bottom:16%;animation:float 5s ease-in-out infinite reverse}.floating-icon{display:inline-flex;align-items:center;justify-content:center;width:39px;height:39px;border-radius:13px;font-size:18px;font-weight:900}.blue-icon{color:#2f7ef7;background:#e9f2ff}.teal-icon{color:#138f89;background:#e0f8f3}.hero-floating-card span:not(.floating-icon){display:flex;flex-direction:column;line-height:1.25}.hero-floating-card small{color:#8091a3;font-size:9px;letter-spacing:.08em;font-weight:800}.hero-floating-card strong{margin-top:4px;color:var(--navy);font-size:13px}.floating-arrow{font-size:16px;color:#2f7ef7}.hero-art-caption{position:absolute;bottom:4%;left:14%;display:flex;align-items:center;gap:8px;color:#6c8498;font-size:11px;font-weight:700}.caption-pulse{width:7px;height:7px;border-radius:100%;background:var(--teal);box-shadow:0 0 0 5px rgba(36,190,180,.13)}@keyframes float{0%,100%{transform:translateY(0)}50%{transform:translateY(-9px)}}@keyframes floatIn{from{opacity:0;transform:translateY(18px) scale(.99)}to{opacity:1;transform:translateY(0) scale(1)}}
/* Proof strip */
.proof-strip{border-block:1px solid #edf1f6;background:#fff}.proof-grid{display:grid;grid-template-columns:repeat(4,1fr);padding:25px 0;gap:20px}.proof-item{display:flex;align-items:center;gap:12px;min-width:0;padding:2px 17px;border-right:1px solid #edf1f6}.proof-item:first-child{padding-left:0}.proof-item:last-child{border:0}.proof-icon{display:inline-flex;align-items:center;justify-content:center;width:42px;height:42px;flex:0 0 42px;border-radius:14px;background:#eff6ff;color:#2f7ef7;font-size:20px;font-weight:800}.proof-item:nth-child(2) .proof-icon{background:#e4f9f5;color:#129c93}.proof-item:nth-child(3) .proof-icon{background:#f0edff;color:#767be5}.proof-item:nth-child(4) .proof-icon{background:#fff3e4;color:#c78025}.proof-item div{display:flex;flex-direction:column;line-height:1.4}.proof-item strong{color:var(--navy);font-size:12px;font-weight:800}.proof-item small{margin-top:4px;font-size:11px;color:#8797a8}
/* General section rhythm */
.section{padding:102px 0}.section-heading-row{display:flex;align-items:flex-end;justify-content:space-between;gap:40px;margin-bottom:42px}.section-heading-row h2,.how-intro h2,.faq-home-intro h2{margin:0;font-size:clamp(33px,4.2vw,52px);font-weight:800;line-height:1.12}.section-side-copy{max-width:365px;padding-bottom:4px}.section-side-copy p{margin:0 0 15px;color:#6b7f93;font-size:14px;line-height:1.75}.section-explore{background:linear-gradient(180deg,#f8fbff 0%,#fff 100%)}
/* 2027 feature */
.section-2027{padding:84px 0 90px;background:#fff}.year-feature{display:grid;grid-template-columns:1fr .95fr;align-items:center;gap:24px;position:relative;overflow:hidden;min-height:430px;padding:55px 58px;border-radius:36px;background:linear-gradient(125deg,#102f51 0%,#174b76 52%,#1b6677 100%);box-shadow:0 24px 60px rgba(16,57,89,.13)}.year-feature:before{content:"";position:absolute;width:550px;height:550px;right:-130px;top:-245px;border:1px solid rgba(255,255,255,.12);border-radius:50%;box-shadow:0 0 0 45px rgba(255,255,255,.025),0 0 0 96px rgba(255,255,255,.022)}.year-feature:after{content:"";position:absolute;left:45%;bottom:-190px;width:430px;height:430px;border-radius:50%;background:radial-gradient(circle,rgba(52,198,186,.22),transparent 69%)}.year-feature-copy{position:relative;z-index:3;max-width:560px}.eyebrow-light{color:#bde5e7}.year-kicker{margin:-7px 0 12px;color:#70e0d5;font-size:10px;font-weight:800;letter-spacing:.15em}.year-feature h2{margin:0 0 19px;font-size:clamp(35px,4vw,50px);line-height:1.12;color:#fff;letter-spacing:-.06em}.year-feature h2 em{color:#6ee2d7}.year-feature-copy>p:not(.year-kicker):not(.year-note){max-width:525px;margin:0 0 27px;color:#d2e4ee;font-size:15px;line-height:1.8}.year-actions{display:flex;align-items:center;gap:20px;flex-wrap:wrap}.year-text-link{color:#d7eff1;font-size:13px;font-weight:700}.year-text-link:hover{color:#72e1d8}.year-note{margin:18px 0 0;color:#aac7d7;font-size:11px;line-height:1.6}.year-feature-art{position:relative;z-index:2;min-height:310px;display:flex;align-items:center;justify-content:center}.year-feature-art>img{width:100%;max-width:560px;border-radius:24px;box-shadow:0 25px 55px rgba(5,23,42,.16)}.date-chip{position:absolute;left:-5%;top:14%;display:flex;flex-direction:column;align-items:center;min-width:93px;padding:11px 13px 13px;background:#fff;border:1px solid #e4edf3;border-radius:17px;box-shadow:0 15px 35px rgba(5,23,42,.14);line-height:1.1}.date-chip-month{font-size:10px;font-weight:900;letter-spacing:.15em;color:#2f7ef7}.date-chip strong{margin:7px 0 6px;font-family:Manrope,sans-serif;font-size:30px;letter-spacing:-.07em;color:var(--navy)}.date-chip small{max-width:72px;text-align:center;color:#74879a;font-size:9px;line-height:1.4}.date-chip-two{left:auto;right:-1%;top:auto;bottom:7%;}.date-chip-two .date-chip-month{color:#1aa69d}
/* Masonry cards */
.masonry-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));grid-auto-rows:minmax(155px,auto);gap:19px}.masonry-card{display:flex;flex-direction:column;position:relative;min-width:0;overflow:hidden;border:1px solid #e5edf4;border-radius:24px;background:#fff;box-shadow:0 3px 0 rgba(19,57,88,.01);transition:transform .22s ease,box-shadow .22s ease,border-color .22s ease}.masonry-card:hover{transform:translateY(-5px);box-shadow:var(--shadow-card);border-color:#d4e5f4;color:inherit}.masonry-card-tall{grid-row:span 2;grid-column:span 2}.masonry-card-wide{grid-column:span 2;flex-direction:row;align-items:stretch}.masonry-card-art{position:relative;overflow:hidden;background:#edf5ff;min-height:145px}.masonry-card-tall .masonry-card-art{height:255px}.masonry-card-art img{width:100%;height:100%;object-fit:cover;transition:transform .55s cubic-bezier(.2,.8,.2,1)}.masonry-card:hover .masonry-card-art img{transform:scale(1.035)}.masonry-card-copy{position:relative;display:flex;flex-direction:column;align-items:flex-start;padding:22px 24px 24px;flex:1}.masonry-card-tall .masonry-card-copy{min-height:248px;padding:24px 28px 30px}.masonry-card-wide .masonry-card-art{width:48%;flex:0 0 48%;height:auto;min-height:270px}.masonry-card-wide .masonry-card-copy{justify-content:center;padding:28px}.card-label{display:flex;align-items:center;justify-content:space-between;gap:25px;width:100%;color:#627f98;font-size:9px;font-weight:900;letter-spacing:.14em}.card-label span{color:#a3b4c3;font-size:10px}.masonry-card h3{margin:14px 0 10px;font-size:clamp(20px,2vw,27px);letter-spacing:-.05em;line-height:1.16}.masonry-card-tall h3{font-size:34px}.masonry-card p{margin:0 0 24px;color:#72879b;font-size:13px;line-height:1.7}.circle-link{display:inline-flex;align-items:center;justify-content:center;width:35px;height:35px;margin-top:auto;border:1px solid #e3ebf3;border-radius:50%;color:#2f7ef7;background:#fff;font-size:18px;transition:all .2s ease}.masonry-card:hover .circle-link{background:var(--blue);color:#fff;border-color:var(--blue);transform:rotate(45deg)}.card-aca{background:linear-gradient(160deg,#fff,#f7fbff)}.card-aca .masonry-card-art{background:#e9f4ff}.card-cost .masonry-card-art{background:#ebfaf6}.card-plan .masonry-card-art{background:#f1f1ff}.card-enroll .masonry-card-art{background:#eaf5ff}.card-tax .masonry-card-art{background:#e7faf5}
/* How it works */
.section-how{background:#f6f9fc;overflow:hidden}.how-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:80px;align-items:start}.how-intro{position:sticky;top:125px}.how-intro p,.faq-home-intro>p{max-width:380px;margin:19px 0 22px;color:#718498;font-size:14px;line-height:1.8}.how-illustration{width:100%;max-width:390px;margin:30px 0 0;border-radius:26px;filter:drop-shadow(0 15px 18px rgba(26,73,106,.04))}.how-steps{display:flex;flex-direction:column;border-top:1px solid #dfe8ef}.how-step{display:grid;grid-template-columns:57px 1fr 28px;gap:17px;align-items:start;padding:27px 0 29px;border-bottom:1px solid #dfe8ef}.step-number{display:flex;align-items:center;justify-content:center;width:48px;height:48px;border-radius:16px;background:#fff;border:1px solid #e1e9f1;color:#2f7ef7;font-family:Manrope,sans-serif;font-size:15px;font-weight:800;box-shadow:0 4px 12px rgba(25,60,90,.035)}.step-kicker{font-size:9px;font-weight:900;letter-spacing:.15em;color:#1ca69d}.how-step h3{margin:7px 0 9px;font-size:21px;letter-spacing:-.04em}.how-step p{margin:0 0 12px;color:#73869a;font-size:13px;line-height:1.75}.how-step a{font-size:12px;font-weight:800;color:#2f7ef7}.how-step a span{margin-left:5px}.step-check{display:flex;align-items:center;justify-content:center;width:25px;height:25px;border-radius:50%;background:#ddf8f2;color:#12978f;font-size:12px;font-weight:900;margin-top:5px}
/* Learning center cards */
.section-learning{background:#fff}.article-grid-home,.article-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}.article-card{display:flex;flex-direction:column;min-width:0;overflow:hidden;background:#fff;border:1px solid #e3ebf2;border-radius:23px;transition:transform .23s ease,box-shadow .23s ease,border-color .23s ease}.article-card:hover{transform:translateY(-5px);box-shadow:var(--shadow-card);border-color:#d4e4f3}.article-art{position:relative;display:block;overflow:hidden;aspect-ratio:1.6;background:#eaf4ff}.article-art img{width:100%;height:100%;object-fit:cover;transition:transform .5s ease}.article-card:hover .article-art img{transform:scale(1.04)}.art-arrow{position:absolute;right:15px;top:15px;width:36px;height:36px;display:flex;align-items:center;justify-content:center;border-radius:50%;background:#fff;color:var(--blue);font-size:18px;box-shadow:0 5px 15px rgba(20,54,84,.1)}.article-card-body{padding:23px 24px 26px;display:flex;flex-direction:column;flex:1}.article-meta{display:flex;justify-content:space-between;align-items:center;gap:12px;color:#9aa8b6;font-size:10px}.eyebrow-small{color:#258f9c;font-size:9px;font-weight:900;text-transform:uppercase;letter-spacing:.11em}.article-card h3{margin:12px 0 9px;font-size:22px;line-height:1.22;letter-spacing:-.045em}.article-card h3 a:hover{color:var(--blue)}.article-card p{margin:0 0 20px;color:#74879b;font-size:13px;line-height:1.75}.article-card .text-link{margin-top:auto;font-size:12px}.article-card-featured{grid-column:span 2;display:grid;grid-template-columns:1.05fr .95fr}.article-card-featured .article-art{height:100%;aspect-ratio:auto;min-height:290px}.article-card-featured .article-card-body{justify-content:center;padding:32px}.article-card-featured h3{font-size:28px}
/* Insurer panel */
.section-insurer{padding:75px 0 105px;background:linear-gradient(180deg,#fff 0%,#f7fbff 100%)}.insurer-panel{display:grid;grid-template-columns:1fr .95fr;align-items:center;gap:45px;position:relative;overflow:hidden;padding:53px 58px;border-radius:33px;background:linear-gradient(130deg,#1d4b77,#123452 56%,#0c5262);box-shadow:0 26px 58px rgba(17,54,82,.13)}.insurer-panel:before{content:"";position:absolute;width:470px;height:470px;top:-250px;right:-30px;border:1px solid rgba(255,255,255,.12);border-radius:50%;box-shadow:0 0 0 48px rgba(255,255,255,.025),0 0 0 98px rgba(255,255,255,.02)}.insurer-copy{position:relative;z-index:2}.insurer-copy h2{font-size:clamp(34px,4vw,49px);margin:0 0 17px;line-height:1.13;color:#fff}.insurer-copy>p:not(.muted-light){max-width:530px;margin:0 0 25px;color:#d0e1ec;font-size:14px;line-height:1.8}.insurer-actions{display:flex;align-items:center;flex-wrap:wrap;gap:20px}.insurer-secondary{font-size:12px;font-weight:800;color:#d2f1f0}.insurer-secondary:hover{color:#7be2d7}.muted-light{margin:18px 0 0;color:#9cbdcf;font-size:10px;line-height:1.7}.insurer-art{position:relative;z-index:2}.insurer-art>img{width:100%;border-radius:25px;box-shadow:0 18px 40px rgba(4,29,48,.12)}.network-note{position:absolute;display:flex;align-items:center;gap:10px;bottom:-22px;left:-23px;padding:13px 17px;border-radius:17px;background:#fff;box-shadow:0 13px 30px rgba(7,36,60,.17)}.network-check{display:flex;align-items:center;justify-content:center;width:34px;height:34px;border-radius:12px;background:#def8f2;color:#149990;font-weight:900}.network-note span:last-child{display:flex;flex-direction:column;line-height:1.25}.network-note strong{font-size:12px;color:var(--navy)}.network-note small{margin-top:4px;font-size:10px;color:#8192a4}
/* FAQ */
.section-faq{background:#f6f9fc}.faq-home-grid{display:grid;grid-template-columns:.82fr 1.18fr;gap:75px;align-items:start}.faq-home-intro img{width:100%;max-width:355px;margin-top:22px;border-radius:25px}.faq-accordion{border-top:1px solid #dfe8ef}.faq-item{border-bottom:1px solid #dfe8ef}.faq-item summary{position:relative;padding:22px 42px 22px 0;list-style:none;cursor:pointer;color:var(--navy);font-family:Manrope,sans-serif;font-weight:800;font-size:16px;letter-spacing:-.025em}.faq-item summary::-webkit-details-marker{display:none}.faq-item summary:after{content:"+";position:absolute;right:3px;top:18px;display:flex;align-items:center;justify-content:center;width:29px;height:29px;border-radius:50%;background:#fff;border:1px solid #dfe8ef;color:var(--blue);font-size:19px;font-weight:500;transition:transform .2s ease}.faq-item[open] summary:after{content:"−";transform:rotate(180deg);background:#e8f4ff;border-color:#d2e6ff}.faq-answer{padding:0 38px 22px 0;color:#718498;font-size:13px;line-height:1.8}.faq-answer p{margin:0 0 12px}.faq-answer a{font-size:12px;font-weight:800;color:var(--blue)}
/* SMS CTA */
.section-sms{padding:88px 0;background:#fff}.sms-cta{display:grid;grid-template-columns:.85fr 1.15fr;gap:55px;align-items:center;padding:45px 55px;border:1px solid #e3edf4;border-radius:32px;background:linear-gradient(120deg,#f7fbff,#fff 62%,#eefbf8)}.sms-cta-art img{width:100%;max-width:400px;margin:auto;border-radius:25px}.sms-cta-copy h2{margin:0 0 16px;font-size:clamp(32px,3.8vw,45px);line-height:1.13}.sms-cta-copy>p:not(.sms-small){max-width:520px;margin:0 0 23px;color:#6e8296;font-size:14px;line-height:1.8}.sms-cta-actions{display:flex;align-items:center;gap:22px;flex-wrap:wrap}.sms-small{margin:18px 0 0;color:#8799a8;font-size:10px;line-height:1.65}
/* Last CTA */
.section-last-cta{padding:0 0 98px}.last-cta-inner{position:relative;overflow:hidden;display:flex;align-items:center;justify-content:space-between;gap:40px;padding:55px 60px;border-radius:32px;background:linear-gradient(122deg,#153c60,#1d5c79 64%,#166c73);box-shadow:0 24px 55px rgba(20,66,94,.12)}.last-cta-inner>div:first-child{position:relative;z-index:2;max-width:700px}.last-cta-inner h2{margin:0 0 15px;font-size:clamp(30px,3.8vw,45px);line-height:1.14;color:#fff}.last-cta-inner h2 em{color:#75e1d6}.last-cta-inner p{margin:0;color:#ccdee9;font-size:14px;line-height:1.75}.last-cta-buttons{position:relative;z-index:2;display:flex;flex-direction:column;align-items:stretch;gap:11px;min-width:208px}.cta-orb{position:absolute;border:1px solid rgba(255,255,255,.12);border-radius:50%;pointer-events:none}.cta-orb-one{width:450px;height:450px;right:-100px;top:-220px;box-shadow:0 0 0 50px rgba(255,255,255,.023),0 0 0 100px rgba(255,255,255,.02)}.cta-orb-two{width:200px;height:200px;left:53%;bottom:-140px;background:rgba(40,199,185,.09)}
/* Footer */
.site-footer{background:#0c263e;color:#dce8f2}.footer-top{padding:65px 0 52px}.footer-grid{display:grid;grid-template-columns:1.35fr .8fr .8fr .9fr;gap:50px}.brand-footer .brand-text strong{color:#fff}.brand-footer .brand-text small{color:#91adbf}.footer-intro{max-width:315px;margin:20px 0 18px;color:#a7bfd0;font-size:12px;line-height:1.85}.footer-contact{display:flex;flex-direction:column;gap:8px;font-size:12px;font-weight:700}.footer-contact a{color:#d8e9f2}.footer-contact a:hover{color:#7ce1d7}.footer-col{display:flex;flex-direction:column;align-items:flex-start;gap:12px}.footer-col h3{margin:3px 0 9px;color:#fff;font-size:13px;letter-spacing:-.01em}.footer-col a{color:#a9bfd0;font-size:12px;line-height:1.5;transition:color .2s ease}.footer-col a:hover{color:#74dfd6}.footer-disclosure{border-top:1px solid rgba(255,255,255,.1);border-bottom:1px solid rgba(255,255,255,.1);background:rgba(255,255,255,.025)}.disclosure-inner{display:flex;align-items:flex-start;gap:13px;padding:21px 0}.disclosure-icon{display:inline-flex;align-items:center;justify-content:center;flex:0 0 22px;width:22px;height:22px;border:1px solid #547189;border-radius:50%;color:#b5d4e4;font-family:Georgia,serif;font-size:13px;font-weight:700}.disclosure-inner p{margin:0;max-width:1090px;color:#9eb8ca;font-size:10px;line-height:1.8}.disclosure-inner strong{color:#d9e7ef}.footer-bottom{padding:19px 0;background:#092139}.footer-bottom-inner{display:flex;align-items:center;justify-content:space-between;gap:20px;color:#819cb0;font-size:10px}.footer-bottom-inner div{display:flex;align-items:center;gap:20px;flex-wrap:wrap}.footer-bottom a:hover{color:#7ce1d7}.mobile-quick-cta{display:none}
/* Internal pages */
.page-hero{position:relative;overflow:hidden;padding:76px 0 69px;background:radial-gradient(circle at 87% 22%,rgba(36,190,180,.12),transparent 27%),linear-gradient(180deg,#f6faff,#fff)}.page-hero-inner{display:grid;grid-template-columns:1fr .6fr;align-items:center;gap:30px}.page-hero-copy{position:relative;z-index:2;max-width:770px}.page-hero .eyebrow{margin-bottom:15px}.page-hero h1{font-size:clamp(38px,5vw,61px);margin:0 0 17px}.page-hero p{max-width:690px;margin:0;color:#637b90;font-size:17px;line-height:1.75}.page-hero-art{position:relative;min-width:0}.page-hero-art img{width:100%;max-width:420px;margin-inline:auto}.breadcrumb{display:flex;align-items:center;gap:8px;margin:0 0 22px;color:#8a9dad;font-size:11px}.breadcrumb a{color:#587895;font-weight:700}.breadcrumb span{color:#b2bec9}.page-content-wrap{padding:62px 0 100px}.page-content{max-width:900px;margin-inline:auto}.page-content>h2,.entry-content h2{margin:42px 0 16px;font-size:clamp(25px,3vw,35px);letter-spacing:-.045em}.page-content>h3,.entry-content h3{margin:29px 0 11px;font-size:23px}.page-content p,.entry-content p{color:#5e748a;line-height:1.85;font-size:15px;margin:0 0 19px}.page-content li,.entry-content li{color:#5e748a;line-height:1.8;margin-bottom:8px}.page-content ul,.entry-content ul,.page-content ol,.entry-content ol{padding-left:23px;margin:15px 0 25px}.page-content a:not(.button),.entry-content a:not(.button){color:#2f7ef7;text-decoration:underline;text-decoration-color:rgba(47,126,247,.28);text-underline-offset:3px}.page-content a:not(.button):hover,.entry-content a:not(.button):hover{text-decoration-color:var(--blue)}.page-content blockquote,.entry-content blockquote{margin:28px 0;padding:23px 26px;border-left:4px solid var(--teal);border-radius:0 14px 14px 0;background:#f1fbf9;color:#315a6d}.page-content hr,.entry-content hr{border:0;border-top:1px solid #e4edf4;margin:37px 0}.page-content table,.entry-content table{width:100%;border-collapse:collapse;margin:24px 0 34px;font-size:13px}.page-content th,.entry-content th{background:#edf5ff;text-align:left;color:var(--navy);font-weight:800}.page-content th,.page-content td,.entry-content th,.entry-content td{padding:14px;border:1px solid #dce7f0;vertical-align:top}.page-content td,.entry-content td{color:#5c7287}.page-content .wp-block-image img,.entry-content .wp-block-image img{border-radius:20px}.entry-title-row{max-width:920px;margin:0 auto 35px}.entry-title-row h1{font-size:clamp(37px,5vw,57px);margin:0 0 14px}.entry-title-row p{color:#657b91;font-size:17px;line-height:1.8;margin:0}.entry-meta{display:flex;gap:14px;flex-wrap:wrap;align-items:center;margin:0 0 18px;color:#8a9cac;font-size:11px;font-weight:700}.entry-category{display:inline-flex;padding:6px 10px;border-radius:100px;background:#e4f8f4;color:#138f89;font-size:9px;font-weight:900;text-transform:uppercase;letter-spacing:.1em}.entry-hero-art{width:min(100%,920px);max-height:560px;object-fit:cover;border-radius:30px;margin:0 auto 38px;box-shadow:0 20px 50px rgba(23,59,89,.09)}.entry-content{max-width:800px;margin:0 auto}.entry-content .content-takeaways{padding:23px 26px;background:#f2f8ff;border:1px solid #deebf8;border-radius:20px;margin:0 0 32px}.content-takeaways h2{margin:0 0 10px;font-size:18px}.content-takeaways ul{margin:0;padding-left:20px}.entry-footer{max-width:800px;margin:37px auto 0;padding-top:22px;border-top:1px solid #e5edf3}.source-list{font-size:12px;color:#71869a}.source-list li{margin-bottom:10px}.related-articles{margin-top:65px}.related-articles h2{font-size:31px;margin-bottom:24px}.content-cta{margin:50px 0;padding:30px;border-radius:24px;background:linear-gradient(120deg,#e8f4ff,#e9faf6);border:1px solid #dfeef5}.content-cta h3{margin:0 0 9px}.content-cta p{margin-bottom:18px}.archive-header{padding:70px 0 38px;background:#f6faff}.archive-header h1{font-size:clamp(38px,5vw,60px);margin:0 0 16px}.archive-header p{max-width:700px;color:#637b90;font-size:16px;line-height:1.8}.archive-content{padding:50px 0 100px}.archive-intro{display:flex;justify-content:space-between;gap:25px;align-items:center;margin-bottom:28px}.archive-intro p{color:#6f8398;font-size:13px;margin:0}.archive-search{display:flex;gap:9px;max-width:400px;width:100%}.archive-search input{flex:1;min-width:0}.field,.form-control,.archive-search input,.page-content input[type=text],.page-content input[type=email],.page-content input[type=tel],.page-content input[type=number],.page-content select,.page-content textarea{width:100%;padding:13px 14px;border:1px solid #d6e2ec;background:#fff;border-radius:12px;color:#1b3c59;font-size:14px;transition:border .2s,box-shadow .2s}.field:focus,.form-control:focus,.archive-search input:focus,.page-content input:focus,.page-content select:focus,.page-content textarea:focus{border-color:#7caff9;box-shadow:0 0 0 4px rgba(47,126,247,.09);outline:0}.page-content label,.uscp-form label{display:block;color:#294a66;font-size:12px;font-weight:800;margin-bottom:7px}.page-content .button{margin-top:8px}.search-result{margin-bottom:18px;padding:24px;border:1px solid #e1eaf2;border-radius:20px}.search-result h2{margin:0 0 9px;font-size:24px}.search-result p{margin-bottom:10px}.not-found{text-align:center;padding:90px 0}.not-found h1{font-size:clamp(45px,7vw,80px)}.not-found p{max-width:580px;margin:0 auto 24px;color:#71859a}
/* Plugin blocks and interactive tools */
.uscp-block{margin:34px 0;padding:28px;border:1px solid #dfebf3;border-radius:24px;background:#fff;box-shadow:0 7px 24px rgba(23,58,88,.035)}.uscp-block h2,.uscp-block h3{margin-top:0}.uscp-note{padding:15px 17px;margin:18px 0;border-radius:14px;background:#eef7ff;border:1px solid #dceaf7;color:#41647f;font-size:12px;line-height:1.75}.uscp-note.success{background:#eafaf5;border-color:#c7f0e4;color:#1a766c}.uscp-note.warning{background:#fff8e9;border-color:#f3e1b1;color:#795b1e}.uscp-cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;margin:28px 0}.uscp-info-card{display:flex;flex-direction:column;padding:23px;border:1px solid #e1eaf2;border-radius:21px;background:#fff}.uscp-info-card .card-symbol{display:flex;align-items:center;justify-content:center;width:43px;height:43px;border-radius:14px;background:#eaf3ff;color:#2f7ef7;font-size:19px;font-weight:800;margin-bottom:17px}.uscp-info-card:nth-child(3n+2) .card-symbol{background:#def8f2;color:#159990}.uscp-info-card:nth-child(3n+3) .card-symbol{background:#f0edff;color:#7379dd}.uscp-info-card h3{font-size:18px;margin:0 0 9px}.uscp-info-card p{font-size:13px;margin:0 0 14px}.uscp-info-card a{margin-top:auto;font-size:12px;font-weight:800;color:var(--blue)}.uscp-form{padding:30px;border:1px solid #dfebf3;border-radius:24px;background:linear-gradient(145deg,#fbfdff,#f5fafc)}.uscp-form .form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}.uscp-form .form-field{margin-bottom:17px}.uscp-form .form-field.full{grid-column:1/-1}.uscp-form label{margin-bottom:8px}.uscp-form .consent-option{display:flex;align-items:flex-start;gap:11px;margin:16px 0;padding:16px;border:1px solid #dce8f0;border-radius:16px;background:#fff;font-size:12px;line-height:1.75;color:#587187;font-weight:500}.uscp-form .consent-option input{flex:0 0 auto;margin:4px 0 0;accent-color:#2f7ef7;width:17px;height:17px}.uscp-form .consent-option strong{color:#264964}.uscp-form .consent-option a{font-weight:800}.uscp-form .form-actions{display:flex;align-items:center;gap:15px;flex-wrap:wrap;margin-top:17px}.uscp-form .form-help{font-size:11px;color:#8496a7;line-height:1.7}.uscp-form .honeypot{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}.uscp-faq-list{border-top:1px solid #e2ebf2;margin-top:24px}.uscp-faq-list .faq-item{border-color:#e2ebf2}.uscp-faq-category{margin:35px 0 15px;font-family:Manrope,sans-serif;color:#1e4d73;font-weight:800;font-size:19px}.uscp-glossary-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}.uscp-glossary-term{padding:18px 20px;border:1px solid #e2eaf1;border-radius:16px;background:#fbfdff}.uscp-glossary-term strong{display:block;margin-bottom:5px;color:var(--navy);font-family:Manrope,sans-serif;font-size:15px}.uscp-glossary-term p{margin:0;font-size:12px;line-height:1.7}.uscp-checklist{padding:26px;border-radius:24px;background:#f6faff;border:1px solid #dfebf5}.uscp-checklist .checklist-progress{height:8px;border-radius:50px;background:#dfeaf4;overflow:hidden;margin:11px 0 20px}.uscp-checklist .checklist-progress span{display:block;width:0;height:100%;background:linear-gradient(90deg,#2f7ef7,#27c6b9);transition:width .25s}.uscp-checklist label{display:flex;align-items:flex-start;gap:12px;padding:14px 0;border-bottom:1px solid #e3edf4;font-weight:600;color:#4d687f;font-size:13px}.uscp-checklist label:last-of-type{border-bottom:0}.uscp-checklist input{accent-color:#24beb4;width:17px;height:17px;flex:0 0 auto;margin-top:3px}.uscp-compare-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}.uscp-compare-plan{padding:22px;border:1px solid #dce7f0;border-radius:18px;background:#fbfdff}.uscp-compare-plan h3{font-size:19px;margin:0 0 17px}.uscp-compare-plan .form-field{margin-bottom:13px}.uscp-compare-result{overflow:auto;margin-top:22px}.uscp-compare-result table{min-width:560px}.uscp-pill{display:inline-flex;padding:6px 10px;border-radius:50px;background:#e5f8f3;color:#178f86;font-size:10px;font-weight:900;letter-spacing:.05em}.uscp-provider-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin:24px 0}.uscp-provider-card{display:flex;flex-direction:column;min-height:180px;padding:22px;border:1px solid #e1eaf1;border-radius:19px;background:#fff;transition:transform .2s,box-shadow .2s}.uscp-provider-card:hover{transform:translateY(-3px);box-shadow:var(--shadow-card)}.uscp-provider-mark{display:flex;align-items:center;justify-content:center;width:42px;height:42px;border-radius:14px;background:#edf5ff;color:#2f7ef7;font-family:Manrope,sans-serif;font-size:18px;font-weight:800;margin-bottom:14px}.uscp-provider-card h3{font-size:17px;margin:0 0 8px}.uscp-provider-card p{font-size:12px;margin:0 0 15px;line-height:1.7}.uscp-provider-card a{margin-top:auto;font-size:11px;font-weight:800;color:var(--blue)}.uscp-calendar{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin:24px 0}.uscp-date-card{padding:20px;border-radius:18px;background:#f5f9ff;border:1px solid #dfebf6}.uscp-date-card .date{font-family:Manrope,sans-serif;font-size:24px;font-weight:800;letter-spacing:-.05em;color:var(--blue)}.uscp-date-card h3{font-size:14px;margin:7px 0}.uscp-date-card p{font-size:11px;line-height:1.7;margin:0}.uscp-learning-toolbar{display:flex;gap:12px;align-items:center;justify-content:space-between;flex-wrap:wrap;margin:0 0 28px}.uscp-learning-toolbar input{max-width:360px}.uscp-topic-filter{display:flex;gap:8px;flex-wrap:wrap}.uscp-topic-filter button{border:1px solid #dce7f0;border-radius:50px;padding:8px 12px;background:#fff;color:#5d758b;font-size:11px;font-weight:800;cursor:pointer}.uscp-topic-filter button[aria-pressed=true]{border-color:#2f7ef7;background:#eef5ff;color:#2368cb}.uscp-no-results{display:none;padding:30px;text-align:center;background:#f7faff;border-radius:16px;color:#6d8498}.uscp-flash{padding:15px 18px;margin:17px 0;border:1px solid #d7eee7;border-radius:14px;background:#edfbf7;color:#196f67;font-size:13px}.uscp-inline-card{display:flex;align-items:center;justify-content:space-between;gap:20px;margin:27px 0;padding:24px 28px;border-radius:22px;background:linear-gradient(105deg,#eaf4ff,#e8faf5);border:1px solid #dfeef4}.uscp-inline-card h3{margin:0 0 5px;font-size:19px}.uscp-inline-card p{margin:0;font-size:12px}
/* Responsive and reduced motion */
@media(max-width:1100px){.primary-nav{gap:19px}.primary-nav .menu{gap:16px}.primary-nav .menu a{font-size:12px}.header-inner{gap:18px}.brand-text strong{font-size:15px}.hero-grid{gap:15px}.hero-art-wrap{min-height:480px}.masonry-card h3{font-size:22px}.masonry-card-tall h3{font-size:31px}.how-grid{gap:48px}.faq-home-grid{gap:47px}.footer-grid{gap:30px}.insurer-panel{gap:25px;padding:45px}.year-feature{padding:48px}.year-feature-art{min-height:260px}}
@media(max-width:900px){.site-container{width:min(100% - 40px,var(--container))}.topline-inner{min-height:35px}.topline p{font-size:11px}.topline-links{gap:9px}.header-inner{min-height:76px}.nav-toggle{display:flex;flex:0 0 auto}.primary-nav{display:none;position:absolute;top:100%;left:0;right:0;padding:17px 20px 24px;background:#fff;border-bottom:1px solid var(--line);box-shadow:0 18px 30px rgba(15,48,76,.09);align-items:stretch;flex-direction:column;gap:15px}.primary-nav.is-open{display:flex}.primary-nav .menu{align-items:stretch;flex-direction:column;gap:0}.primary-nav .menu li{border-bottom:1px solid #eff3f7}.primary-nav .menu a{display:flex;padding:13px 3px;font-size:14px}.primary-nav .header-cta{width:100%}.hero-section{padding:49px 0 32px}.hero-grid{grid-template-columns:1fr 1fr;gap:8px}.hero-copy{padding:12px 0}.hero-lede{font-size:16px}.hero-art-wrap{min-height:400px}.hero-floating-card{padding:10px}.hero-floating-card strong{font-size:11px}.floating-icon{width:32px;height:32px}.hero-reassurance{font-size:10px}.hero-trust-row{padding-top:21px;margin-top:20px}.proof-grid{grid-template-columns:repeat(2,1fr);gap:0}.proof-item{padding:14px;border-bottom:1px solid #edf1f6}.proof-item:nth-child(2){border-right:0}.proof-item:nth-child(3),.proof-item:nth-child(4){border-bottom:0}.proof-item:first-child{padding-left:14px}.section{padding:78px 0}.section-2027{padding:68px 0}.year-feature{grid-template-columns:1fr .8fr;gap:10px;padding:38px}.year-feature-art{min-height:220px}.date-chip{left:-8%;top:9%}.date-chip-two{right:-5%;bottom:4%}.masonry-grid{grid-template-columns:repeat(2,minmax(0,1fr));grid-auto-rows:minmax(120px,auto)}.masonry-card-tall{grid-row:span 1;grid-column:span 1}.masonry-card-tall .masonry-card-art{height:auto;min-height:170px}.masonry-card-tall .masonry-card-copy{min-height:initial;padding:21px}.masonry-card-tall h3{font-size:24px}.masonry-card-wide{grid-column:span 2}.masonry-card-wide .masonry-card-art{min-height:260px}.how-grid{grid-template-columns:.75fr 1.25fr;gap:35px}.how-illustration{margin-top:22px}.how-step{grid-template-columns:46px 1fr 24px;gap:12px}.step-number{width:41px;height:41px;border-radius:13px}.insurer-panel{grid-template-columns:1fr .9fr;padding:36px}.insurer-copy h2{font-size:37px}.insurer-actions{gap:13px}.faq-home-grid{grid-template-columns:.8fr 1.2fr;gap:35px}.sms-cta{gap:28px;padding:35px}.last-cta-inner{padding:42px;gap:25px}.last-cta-buttons{min-width:185px}.footer-grid{grid-template-columns:1.2fr .8fr .8fr;gap:33px}.footer-brand-col{grid-column:span 3}.footer-intro{max-width:500px}.page-hero-inner{grid-template-columns:1fr .42fr}.page-hero-art img{max-width:320px}.uscp-cards,.uscp-provider-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:650px){html{scroll-padding-top:80px}.site-container{width:calc(100% - 34px)}.topline-inner{justify-content:center;min-height:34px}.topline p{font-size:10px;text-align:center}.topline-links{display:none}.header-inner{min-height:72px}.brand{gap:9px}.brand img{width:41px;height:41px}.brand-text strong{font-size:14px}.brand-text small{font-size:9px}.hero-section{padding:37px 0 28px}.hero-grid{grid-template-columns:1fr;gap:8px}.hero-copy{max-width:none}.eyebrow{font-size:9px;letter-spacing:.12em;margin-bottom:13px}.hero-copy h1{font-size:clamp(40px,11.5vw,59px);line-height:1.04;margin-bottom:19px}.hero-lede{font-size:15px;line-height:1.7;margin-bottom:23px}.hero-actions{align-items:stretch;flex-direction:column}.hero-actions .button{width:100%}.button-large{min-height:51px;font-size:14px}.hero-reassurance{gap:7px;margin-top:17px;font-size:9px}.hero-trust-row{margin-top:18px;padding-top:16px}.hero-art-wrap{min-height:330px;margin:1px -4px 0}.hero-art{max-width:480px}.hero-floating-card{border-radius:13px;padding:8px 10px;gap:8px}.float-card-one{left:1%;top:12%}.float-card-two{right:1%;bottom:14%}.hero-floating-card small{font-size:7px}.hero-floating-card strong{font-size:10px}.floating-icon{width:29px;height:29px;border-radius:10px;font-size:15px}.floating-arrow{font-size:13px}.hero-art-caption{left:12%;bottom:0;font-size:9px}.proof-grid{width:100%;padding:10px 17px;gap:0}.proof-item{padding:12px 3px;gap:9px}.proof-item:first-child{padding-left:3px}.proof-icon{width:34px;height:34px;flex-basis:34px;border-radius:11px;font-size:16px}.proof-item strong{font-size:10px}.proof-item small{font-size:9px;margin-top:3px}.section{padding:62px 0}.section-heading-row{display:block;margin-bottom:29px}.section-heading-row h2,.how-intro h2,.faq-home-intro h2{font-size:clamp(31px,8.2vw,43px)}.section-side-copy{margin-top:17px;max-width:100%}.section-side-copy p{font-size:13px}.section-2027{padding:44px 0}.year-feature{grid-template-columns:1fr;gap:6px;padding:29px 23px;border-radius:26px}.year-feature h2{font-size:34px}.year-feature-copy>p:not(.year-kicker):not(.year-note){font-size:13px}.year-actions{align-items:stretch;flex-direction:column;gap:15px}.year-actions .button{width:100%}.year-text-link{text-align:center}.year-note{font-size:10px}.year-feature-art{min-height:235px;margin-top:4px}.year-feature-art>img{width:100%;border-radius:17px}.date-chip{left:-1%;top:1%;min-width:70px;padding:8px 9px 9px;border-radius:13px}.date-chip strong{font-size:24px}.date-chip-month{font-size:8px}.date-chip small{font-size:8px}.date-chip-two{right:-1%;bottom:0}.masonry-grid{grid-template-columns:1fr;grid-auto-rows:auto;gap:15px}.masonry-card,.masonry-card-tall,.masonry-card-wide{grid-column:auto;grid-row:auto;flex-direction:column}.masonry-card-art,.masonry-card-tall .masonry-card-art,.masonry-card-wide .masonry-card-art{width:100%;height:auto;min-height:0;aspect-ratio:1.65;flex-basis:auto}.masonry-card-copy,.masonry-card-tall .masonry-card-copy,.masonry-card-wide .masonry-card-copy{padding:19px 20px 22px;min-height:initial}.masonry-card h3,.masonry-card-tall h3{font-size:24px;margin:11px 0 8px}.masonry-card p{margin-bottom:16px;font-size:12px}.masonry-card .circle-link{position:absolute;right:19px;bottom:19px}.masonry-card-wide .circle-link{right:19px;bottom:19px}.section-how{padding-top:58px}.how-grid{grid-template-columns:1fr;gap:28px}.how-intro{position:relative;top:auto}.how-intro p{font-size:13px}.how-intro .button{width:100%}.how-illustration{max-width:100%;max-height:240px;object-fit:cover;margin-top:20px}.how-step{grid-template-columns:42px 1fr;gap:12px;padding:21px 0}.step-number{width:38px;height:38px}.how-step h3{font-size:18px}.how-step p{font-size:12px}.step-check{display:none}.article-grid-home,.article-grid{grid-template-columns:1fr;gap:16px}.article-card-featured{grid-column:auto;display:flex}.article-card-featured .article-art{min-height:0;aspect-ratio:1.6}.article-card-featured .article-card-body{padding:22px}.article-card-featured h3{font-size:24px}.article-card-body{padding:19px 20px 22px}.article-card h3{font-size:21px}.article-card p{font-size:12px}.insurer-panel{grid-template-columns:1fr;gap:24px;padding:29px 22px;border-radius:26px}.insurer-copy h2{font-size:35px}.insurer-copy>p:not(.muted-light){font-size:13px}.insurer-actions{align-items:stretch;flex-direction:column;gap:15px}.insurer-actions .button{text-align:center;width:100%}.insurer-secondary{text-align:center}.insurer-art{padding:0 4px 12px}.network-note{left:-3px;bottom:-4px;padding:9px 11px}.network-note strong{font-size:10px}.network-note small{font-size:8px}.network-check{width:28px;height:28px}.faq-home-grid{grid-template-columns:1fr;gap:26px}.faq-home-intro img{max-width:100%;max-height:210px;object-fit:cover}.faq-home-intro .button{width:100%}.faq-item summary{font-size:14px;padding:18px 38px 18px 0}.faq-item summary:after{top:15px}.faq-answer{padding-right:0;font-size:12px}.sms-cta{grid-template-columns:1fr;gap:20px;padding:23px 20px;border-radius:25px}.sms-cta-art img{max-height:220px;object-fit:cover}.sms-cta-copy h2{font-size:34px}.sms-cta-copy>p:not(.sms-small){font-size:13px}.sms-cta-actions{align-items:stretch;flex-direction:column;gap:14px}.sms-cta-actions .button{text-align:center;width:100%}.sms-cta-actions .text-link{justify-content:center}.sms-small{font-size:9px}.section-last-cta{padding-bottom:63px}.last-cta-inner{display:block;padding:32px 23px;border-radius:26px}.last-cta-inner h2{font-size:33px}.last-cta-inner p{font-size:12px}.last-cta-buttons{margin-top:23px;min-width:0}.last-cta-buttons .button{width:100%}.footer-top{padding:43px 0 33px}.footer-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:28px 21px}.footer-brand-col{grid-column:span 2}.footer-intro{font-size:11px}.footer-col{gap:10px}.footer-col h3{font-size:12px}.footer-col a{font-size:10px}.disclosure-inner{padding:17px 0;gap:10px}.disclosure-inner p{font-size:9px}.footer-bottom-inner{display:block;font-size:9px}.footer-bottom-inner div{margin-top:11px;gap:14px}.mobile-quick-cta{position:fixed;display:block;z-index:75;left:13px;right:13px;bottom:10px;padding-bottom:env(safe-area-inset-bottom);pointer-events:none}.mobile-quick-cta a{display:flex;align-items:center;justify-content:center;gap:10px;min-height:48px;border-radius:15px;background:var(--blue);color:#fff;font-size:13px;font-weight:800;box-shadow:0 9px 28px rgba(25,78,139,.3);pointer-events:auto}.site-footer{padding-bottom:65px}.page-hero{padding:44px 0 36px}.page-hero-inner{grid-template-columns:1fr;gap:5px}.page-hero h1{font-size:clamp(37px,10vw,50px)}.page-hero p{font-size:14px}.page-hero-art{display:none}.breadcrumb{margin-bottom:15px}.page-content-wrap{padding:38px 0 72px}.page-content>h2,.entry-content h2{font-size:26px;margin-top:34px}.page-content>h3,.entry-content h3{font-size:20px}.page-content p,.entry-content p{font-size:13px}.entry-title-row h1{font-size:38px}.entry-title-row p{font-size:14px}.entry-hero-art{border-radius:22px;margin-bottom:28px}.archive-header{padding:43px 0 27px}.archive-header h1{font-size:39px}.archive-content{padding:28px 0 70px}.archive-intro{align-items:stretch;flex-direction:column}.archive-search{max-width:none}.uscp-block{padding:19px;border-radius:20px}.uscp-cards,.uscp-provider-grid,.uscp-calendar{grid-template-columns:1fr;gap:12px}.uscp-form{padding:19px}.uscp-form .form-grid{grid-template-columns:1fr;gap:0}.uscp-form .form-field.full{grid-column:auto}.uscp-form .form-actions{align-items:stretch;flex-direction:column}.uscp-form .form-actions .button{width:100%}.uscp-form .consent-option{padding:13px;font-size:11px}.uscp-glossary-list,.uscp-compare-grid{grid-template-columns:1fr}.uscp-learning-toolbar{align-items:stretch;flex-direction:column}.uscp-learning-toolbar input{max-width:none}.uscp-topic-filter{gap:6px}.uscp-topic-filter button{font-size:10px;padding:7px 10px}.uscp-inline-card{align-items:flex-start;flex-direction:column;padding:20px}.uscp-inline-card .button{width:100%}.uscp-provider-card{min-height:initial}.uscp-date-card{padding:17px}.uscp-date-card .date{font-size:22px}.page-content table,.entry-content table{display:block;overflow-x:auto;white-space:normal}.uscp-checklist{padding:18px}.uscp-checklist label{font-size:12px}.uscp-compare-plan{padding:17px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important;scroll-behavior:auto!important}}