@import"https://fonts.googleapis.com/css2?family=Inter:wght@400;600;700&family=Sora:wght@700&display=swap";:root{--color-primary: #1a2744;--color-primary-light: #243460;--color-primary-dark: #111c34;--color-accent: #FF6B35;--color-accent-hover: #E5541A;--color-accent-light: #FFF0EB;--color-secondary: #00C2A8;--color-white: #FFFFFF;--color-gray-50: #F8F9FB;--color-gray-100: #EEF0F5;--color-gray-200: #E2E5EE;--color-gray-300: #C4C9D8;--color-gray-500: #8E97AD;--color-gray-600: #6B7280;--color-gray-900: #111827;--color-success: #22C55E;--color-warning: #F59E0B;--color-danger: #EF4444;--gradient-hero: linear-gradient(135deg, #1a2744 0%, #243460 60%, #1a3a5c 100%);--gradient-cta: linear-gradient(135deg, #FF6B35 0%, #ff8c42 100%);--font-body: "Inter", system-ui, -apple-system, sans-serif;--font-heading: "Sora", "Inter", sans-serif;--text-xs: .75rem;--text-sm: .875rem;--text-base: 1rem;--text-lg: 1.125rem;--text-xl: 1.25rem;--text-2xl: 1.5rem;--text-3xl: 1.875rem;--text-4xl: 2.25rem;--text-5xl: 3rem;--text-6xl: 3.75rem;--leading-tight: 1.2;--leading-normal: 1.6;--leading-relaxed: 1.8;--space-1: .25rem;--space-2: .5rem;--space-3: .75rem;--space-4: 1rem;--space-6: 1.5rem;--space-8: 2rem;--space-12: 3rem;--space-16: 4rem;--space-20: 5rem;--radius-sm: 6px;--radius-md: 12px;--radius-lg: 16px;--radius-xl: 24px;--radius-full: 9999px;--shadow-sm: 0 2px 8px rgba(26,39,68,.06);--shadow-md: 0 4px 24px rgba(26,39,68,.08);--shadow-lg: 0 12px 40px rgba(26,39,68,.14);--shadow-btn: 0 4px 20px rgba(255,107,53,.35);--transition-fast: .2s ease;--transition-base: .3s ease;--transition-slow: .5s ease}*,*:before,*:after{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}body{font-family:var(--font-body);font-size:var(--text-base);line-height:var(--leading-normal);color:var(--color-gray-900);background:var(--color-white);overflow-x:hidden}img,svg{display:block;max-width:100%}a{color:inherit}button{font-family:inherit;cursor:pointer;border:none;background:none}ul,ol{list-style:none}table{border-collapse:collapse;width:100%}input,select,textarea{font-family:inherit}.skip-link{position:absolute;top:-100%;left:var(--space-4);background:var(--color-primary);color:#fff;padding:var(--space-3) var(--space-6);border-radius:var(--radius-md);font-weight:600;z-index:9999;transition:top var(--transition-fast)}.skip-link:focus{top:var(--space-4)}h1,h2,h3,h4,h5,h6{font-family:var(--font-heading);line-height:var(--leading-tight);color:var(--color-primary)}h1{font-size:var(--text-4xl)}h2{font-size:var(--text-3xl)}h3{font-size:var(--text-xl)}p{line-height:var(--leading-relaxed)}.text-accent{color:var(--color-accent)}a:not(.btn):not(.navbar__logo):not(.footer-logo){color:var(--color-accent);text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:2px;transition:color var(--transition-fast)}a:not(.btn):not(.navbar__logo):not(.footer-logo):hover{color:var(--color-accent-hover)}.container{width:100%;max-width:1200px;margin-inline:auto;padding-inline:var(--space-6)}.container--narrow{max-width:820px}.container--wide{max-width:1400px}.section{padding-block:var(--space-20)}.section--sm{padding-block:var(--space-8)}.section--lg{padding-block:7.5rem}.section--gray{background:var(--color-gray-50)}.btn{display:inline-flex;align-items:center;gap:var(--space-2);padding:.875rem 2rem;border-radius:var(--radius-full);font-family:var(--font-body);font-weight:600;font-size:var(--text-base);text-decoration:none;transition:transform var(--transition-fast),box-shadow var(--transition-fast),background var(--transition-fast);cursor:pointer;border:2px solid transparent;white-space:nowrap}.btn-primary{background:var(--gradient-cta);color:#fff;box-shadow:var(--shadow-btn)}.btn-primary:hover{transform:translateY(-2px);box-shadow:0 8px 30px #ff6b3580;color:#fff;text-decoration:none}.btn-primary:active{transform:translateY(0)}.btn-outline{background:transparent;color:#fff;border-color:#ffffff80}.btn-outline:hover{background:#ffffff1a;border-color:#fff;color:#fff;text-decoration:none}.btn-xl{padding:1.125rem 2.75rem;font-size:var(--text-lg)}.btn-full{width:100%;justify-content:center}.section-header{text-align:center;max-width:700px;margin-inline:auto;margin-bottom:var(--space-12)}.section-header h2{margin-top:var(--space-3)}.section-lead{margin-top:var(--space-4);color:var(--color-gray-600);font-size:var(--text-lg)}.section-eyebrow{display:inline-block;font-size:var(--text-sm);font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--color-accent)}.card{background:var(--color-white);border-radius:var(--radius-lg);padding:var(--space-8);box-shadow:var(--shadow-md);border:1px solid var(--color-gray-100);transition:transform var(--transition-base),box-shadow var(--transition-base)}.card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg)}.checkmark-list{display:flex;flex-direction:column;gap:var(--space-2);margin-top:var(--space-4)}.checkmark-list li{display:flex;align-items:flex-start;gap:var(--space-2);font-size:var(--text-sm);color:var(--color-gray-600)}.checkmark-list li:before{content:"";flex-shrink:0;width:18px;height:18px;background:var(--color-secondary);border-radius:50%;background-image:url("data:image/svg+xml,%3Csvg width='10' height='8' viewBox='0 0 10 8' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M1 4 L4 7 L9 1' stroke='white' stroke-width='1.8' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:center;margin-top:2px}.info-callout{display:flex;align-items:flex-start;gap:var(--space-3);background:#00c2a814;border:1px solid rgba(0,194,168,.3);border-radius:var(--radius-md);padding:var(--space-4) var(--space-6);margin-top:var(--space-8);color:var(--color-primary);font-size:var(--text-sm)}.info-callout p{margin:0}.highlight-box{display:flex;gap:var(--space-3);background:#00c2a814;border-left:3px solid var(--color-secondary);border-radius:0 var(--radius-md) var(--radius-md) 0;padding:var(--space-4) var(--space-6);margin:var(--space-4) 0}.highlight-box p{margin:0;font-size:var(--text-sm);line-height:var(--leading-normal)}.warning-callout{display:flex;gap:var(--space-4);background:#fef2f2;border:1px solid #FCA5A5;border-radius:var(--radius-md);padding:var(--space-6);margin-top:var(--space-8)}.warning-callout h3{font-size:var(--text-base);margin-bottom:var(--space-2);color:var(--color-danger)}.warning-callout p{font-size:var(--text-sm);color:var(--color-gray-600);margin:0}.warning-callout svg{flex-shrink:0;margin-top:3px}.recommendation-box{display:flex;gap:var(--space-3);align-items:flex-start;background:var(--color-accent-light);border:1px solid rgba(255,107,53,.3);border-radius:var(--radius-md);padding:var(--space-5) var(--space-6);margin-top:var(--space-8);font-size:var(--text-sm)}.recommendation-box p{margin:0}.recommendation-box svg{flex-shrink:0;margin-top:2px}#site-header{position:sticky;top:0;z-index:100;background:#fff;box-shadow:var(--shadow-sm);transition:box-shadow var(--transition-base)}#site-header.is-scrolled{box-shadow:var(--shadow-md)}.navbar__inner{display:flex;align-items:center;gap:var(--space-6);height:72px}.navbar__logo{display:flex;align-items:center;gap:var(--space-3);text-decoration:none;color:var(--color-primary);font-size:var(--text-sm);font-weight:400;flex-shrink:0}.navbar__logo strong{font-weight:700}.navbar__logo svg{flex-shrink:0}.navbar__links{display:flex;gap:var(--space-1);margin-left:auto}.navbar__links a{padding:var(--space-2) var(--space-3);border-radius:var(--radius-sm);font-size:var(--text-sm);font-weight:600;color:var(--color-gray-600);text-decoration:none;transition:color var(--transition-fast),background var(--transition-fast);white-space:nowrap}.navbar__links a:hover,.navbar__links a[aria-current=true]{color:var(--color-primary);background:var(--color-gray-100)}.navbar__cta{margin-left:var(--space-4);flex-shrink:0}.navbar__burger{display:none;flex-direction:column;gap:5px;padding:var(--space-2);margin-left:auto}.navbar__burger span{display:block;width:24px;height:2px;background:var(--color-primary);border-radius:var(--radius-full);transition:transform var(--transition-fast),opacity var(--transition-fast)}.navbar__burger.is-active span:nth-child(1){transform:translateY(7px) rotate(45deg)}.navbar__burger.is-active span:nth-child(2){opacity:0}.navbar__burger.is-active span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}.mobile-menu{position:fixed;top:0;right:0;bottom:0;left:25%;background:#fff;z-index:200;padding:var(--space-6);display:flex;flex-direction:column;gap:var(--space-6);box-shadow:-8px 0 40px #00000026;transform:translate(100%);transition:transform .35s cubic-bezier(.4,0,.2,1)}.mobile-menu:not([hidden]){transform:translate(0)}.mobile-menu__overlay{position:fixed;top:0;right:0;bottom:0;left:0;background:#0006;z-index:199;opacity:0;pointer-events:none;transition:opacity var(--transition-base)}.mobile-menu__overlay.is-active{opacity:1;pointer-events:auto}.mobile-menu__header{display:flex;justify-content:space-between;align-items:center}.mobile-menu__close{color:var(--color-gray-600);padding:var(--space-2)}.mobile-menu__links{display:flex;flex-direction:column;gap:var(--space-2);flex:1}.mobile-menu__links a{display:block;padding:var(--space-3) var(--space-4);border-radius:var(--radius-md);font-weight:600;color:var(--color-primary);text-decoration:none;transition:background var(--transition-fast)}.mobile-menu__links a:hover{background:var(--color-gray-100)}.section--hero{background:var(--gradient-hero);color:#fff;padding-top:6rem;padding-bottom:0;position:relative;overflow:hidden}.section--hero:before{content:"";position:absolute;top:0;right:0;bottom:0;left:0;background:radial-gradient(ellipse at 70% 50%,rgba(0,194,168,.12) 0%,transparent 60%)}.hero__grid{display:grid;grid-template-columns:1fr;gap:var(--space-12);align-items:center;position:relative;padding-bottom:5rem}.hero__content{max-width:620px}.hero__eyebrow{display:inline-block;background:#ffffff1a;color:#ffffffd9;font-size:var(--text-sm);font-weight:600;letter-spacing:.05em;padding:var(--space-2) var(--space-4);border-radius:var(--radius-full);margin-bottom:var(--space-4);border:1px solid rgba(255,255,255,.15)}.hero__headline{font-family:var(--font-heading);font-size:clamp(var(--text-4xl),6vw,var(--text-6xl));line-height:1.1;color:#fff;margin-bottom:var(--space-6)}.hero__subheadline{font-size:var(--text-lg);color:#fffc;line-height:var(--leading-relaxed);margin-bottom:var(--space-8);max-width:540px}.hero__actions{display:flex;flex-wrap:wrap;gap:var(--space-4);margin-bottom:var(--space-6)}.hero__disclaimer{display:flex;align-items:center;gap:var(--space-2);font-size:var(--text-sm);color:#fff9;flex-wrap:wrap}.hero__visual{display:none;max-width:420px;margin:auto}.hero__visual svg{width:100%;height:auto}.section-wave{margin-top:auto;line-height:0}.section-wave svg{width:100%;display:block}.section--trust{border-bottom:1px solid var(--color-gray-100)}.trust-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:var(--space-6)}.trust-badge{display:flex;align-items:flex-start;gap:var(--space-3);padding:var(--space-4)}.trust-badge svg{flex-shrink:0;margin-top:2px}.trust-badge strong{display:block;font-size:var(--text-sm);color:var(--color-primary);margin-bottom:var(--space-1)}.trust-badge span{font-size:var(--text-xs);color:var(--color-gray-600)}.reason-grid{display:grid;grid-template-columns:1fr;gap:var(--space-6)}.reason-card{text-align:center}.reason-card__icon{width:64px;height:64px;background:var(--color-accent-light);border-radius:var(--radius-lg);display:flex;align-items:center;justify-content:center;margin:0 auto var(--space-4)}.reason-card h3{margin-bottom:var(--space-3)}.reason-card p{font-size:var(--text-sm);color:var(--color-gray-600)}.insurance-cards{display:grid;grid-template-columns:1fr;gap:var(--space-6)}.insurance-card{position:relative;padding-top:3rem}.insurance-card__badge{position:absolute;top:-1px;left:var(--space-8);font-size:var(--text-xs);font-weight:700;letter-spacing:.06em;text-transform:uppercase;padding:var(--space-1) var(--space-3);border-radius:0 0 var(--radius-sm) var(--radius-sm)}.badge--required{background:var(--color-primary);color:#fff}.badge--popular{background:var(--color-secondary);color:#fff}.badge--premium{background:var(--color-primary-light);color:#fff}.insurance-card--featured{border-color:var(--color-secondary);border-width:2px}.insurance-card__icon{width:72px;height:72px;background:var(--color-gray-50);border-radius:var(--radius-lg);display:flex;align-items:center;justify-content:center;margin-bottom:var(--space-4)}.insurance-card h3{margin-bottom:var(--space-2)}.insurance-card__tagline{font-size:var(--text-sm);color:var(--color-gray-600);margin-bottom:var(--space-4)}.insurance-card__note{font-size:var(--text-xs);color:var(--color-secondary);font-weight:600;margin-top:var(--space-3)}.insurance-card__not-covered{display:flex;align-items:center;gap:var(--space-2);font-size:var(--text-xs);color:var(--color-danger);background:#fef2f2;padding:var(--space-2) var(--space-3);border-radius:var(--radius-sm);margin-top:var(--space-4)}.insurance-card__warning{display:flex;align-items:flex-start;gap:var(--space-2);font-size:var(--text-xs);color:var(--color-warning);background:#fffbeb;padding:var(--space-2) var(--space-3);border-radius:var(--radius-sm);margin-top:var(--space-4)}.insurance-card__cost{margin-top:var(--space-4);padding-top:var(--space-4);border-top:1px solid var(--color-gray-100)}.cost-label{display:block;font-size:var(--text-xs);color:var(--color-gray-500);margin-bottom:var(--space-1)}.cost-value{display:block;font-family:var(--font-heading);font-size:var(--text-xl);color:var(--color-primary)}.tips-grid{display:grid;grid-template-columns:1fr;gap:var(--space-6)}.tip-card{position:relative;padding-top:var(--space-12)}.tip-card__number{position:absolute;top:var(--space-6);right:var(--space-6);font-family:var(--font-heading);font-size:3rem;color:var(--color-gray-100);line-height:1;-webkit-user-select:none;user-select:none}.tip-card h3{margin-bottom:var(--space-3);font-size:var(--text-lg)}.tip-card p{font-size:var(--text-sm);color:var(--color-gray-600)}.tip-card__link{display:inline-block;margin-top:var(--space-3);font-size:var(--text-sm);font-weight:600;color:var(--color-accent);text-decoration:none}.tip-card__link:hover{color:var(--color-accent-hover);text-decoration:underline}.price-table-wrapper{overflow-x:auto;-webkit-overflow-scrolling:touch;border-radius:var(--radius-lg);box-shadow:var(--shadow-md)}.price-table{min-width:600px;border-radius:var(--radius-lg);overflow:hidden}.price-table thead{background:var(--color-primary);color:#fff}.price-table thead th{padding:var(--space-4) var(--space-6);text-align:left;font-size:var(--text-sm);font-weight:600;white-space:nowrap}.price-table tbody tr{background:#fff;border-bottom:1px solid var(--color-gray-100)}.price-table tbody tr:last-child{border-bottom:none}.price-table tbody tr:hover{background:var(--color-gray-50)}.price-table tbody td{padding:var(--space-4) var(--space-6);font-size:var(--text-sm);color:var(--color-gray-600)}.tr--highlight{background:#00c2a80a!important}.price-cell{font-weight:600;color:var(--color-primary)!important;white-space:nowrap}.price-cell--good{color:var(--color-success)!important}.table-disclaimer{margin-top:var(--space-3);font-size:var(--text-xs);color:var(--color-gray-500)}.price-calculator{margin-top:var(--space-8)}.price-calculator h3{display:flex;align-items:center;gap:var(--space-3);margin-bottom:var(--space-2);font-size:var(--text-xl)}.calc-note{font-size:var(--text-sm);color:var(--color-gray-600);margin-bottom:var(--space-6)}.form-row{display:grid;grid-template-columns:1fr;gap:var(--space-4);margin-bottom:var(--space-4)}.form-group{display:flex;flex-direction:column;gap:var(--space-2)}.form-group label{font-size:var(--text-sm);font-weight:600;color:var(--color-primary)}.form-group select{padding:var(--space-3) var(--space-4);border:2px solid var(--color-gray-200);border-radius:var(--radius-md);background:#fff;color:var(--color-gray-900);font-size:var(--text-base);transition:border-color var(--transition-fast);-webkit-appearance:none;-moz-appearance:none;appearance:none;background-image:url("data:image/svg+xml,%3Csvg width='16' height='16' viewBox='0 0 24 24' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpolyline points='6 9 12 15 18 9' stroke='%236B7280' stroke-width='2' stroke-linecap='round'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right var(--space-4) center;padding-right:2.5rem;cursor:pointer}.form-group select:focus{outline:none;border-color:var(--color-accent)}.calculator-result{margin-top:var(--space-6);padding-top:var(--space-6);border-top:1px solid var(--color-gray-100);text-align:center}.result-label{font-size:var(--text-sm);color:var(--color-gray-600);margin-bottom:var(--space-2)}.result-value{font-family:var(--font-heading);font-size:var(--text-4xl);color:var(--color-primary);margin-bottom:var(--space-4)}.result-note{font-size:var(--text-sm);color:var(--color-gray-600);margin-bottom:var(--space-4)}.calc-reset{display:block;margin:var(--space-4) auto 0;font-size:var(--text-sm);color:var(--color-gray-500);text-decoration:underline;cursor:pointer;background:none;border:none}.calc-reset:hover{color:var(--color-primary)}.bf17-layout{display:grid;grid-template-columns:1fr;gap:var(--space-12);align-items:center}.bf17-content h2{margin-top:var(--space-3);margin-bottom:var(--space-4)}.bf17-content h3{font-size:var(--text-lg);margin:var(--space-6) 0 var(--space-3)}.bf17-content p{color:var(--color-gray-600)}.bf17-visual{max-width:340px;margin:auto}.bf17-visual svg{width:100%;height:auto}.sf-progression{margin-bottom:var(--space-8)}.sf-bar-track{position:relative;height:20px;background:var(--color-gray-200);border-radius:var(--radius-full);margin-bottom:2.5rem;overflow:visible}.sf-bar-fill{height:100%;background:linear-gradient(90deg,#ef4444,#f59e0b 35%,#22c55e);border-radius:var(--radius-full);width:0%;transition:width 0s}.sf-bar-marker{position:absolute;bottom:-2rem;display:flex;flex-direction:column;align-items:center;transform:translate(-50%)}.sf-bar-marker:before{content:"";position:absolute;top:-2.3rem;width:2px;height:1.5rem;background:var(--color-gray-300)}.sf-bar-marker span{font-size:var(--text-xs);font-weight:700;color:var(--color-primary);white-space:nowrap}.sf-bar-marker small{font-size:.65rem;color:var(--color-gray-500);white-space:nowrap}.sf-bar-marker--start{left:0}.sf-bar-marker--mid{left:50%}.sf-bar-marker--end{left:100%}.sf-table .saving{color:var(--color-success);font-weight:600}.badge-cost{display:inline-block;padding:var(--space-1) var(--space-3);border-radius:var(--radius-full);font-size:var(--text-xs);font-weight:700}.badge-cost--high{background:#fee2e2;color:var(--color-danger)}.badge-cost--mid{background:#fef3c7;color:#b45309}.badge-cost--low{background:#d1fae5;color:#065f46}.sf-row--highlight{background:#ef44440d}.mistakes-list{display:flex;flex-direction:column;gap:var(--space-4)}.mistake-item{display:flex;gap:var(--space-5);align-items:flex-start;padding:var(--space-6);background:#fff;border-radius:var(--radius-lg);box-shadow:var(--shadow-sm);border:1px solid var(--color-gray-100)}.mistake-icon{flex-shrink:0;width:44px;height:44px;background:var(--color-danger);border-radius:var(--radius-md);display:flex;align-items:center;justify-content:center}.mistake-content h3{font-size:var(--text-base);margin-bottom:var(--space-2)}.mistake-content 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p{padding-bottom:var(--space-5);font-size:var(--text-sm);color:var(--color-gray-600);line-height:var(--leading-relaxed);margin:0}.section--cta{background:var(--gradient-hero);color:#fff;text-align:center;position:relative;overflow:hidden}.section--cta:before{content:"";position:absolute;top:0;right:0;bottom:0;left:0;background:radial-gradient(ellipse at 50% 100%,rgba(255,107,53,.2) 0%,transparent 60%)}.cta-content{position:relative;max-width:640px;margin:auto}.cta-eyebrow{color:#ffffffb3}.cta-content h2{color:#fff;font-size:var(--text-4xl);margin:var(--space-3) 0 var(--space-4)}.cta-content p{color:#fffc;margin-bottom:var(--space-8);font-size:var(--text-lg)}.cta-actions{margin-bottom:var(--space-8)}.cta-trust{display:flex;justify-content:center;flex-wrap:wrap;gap:var(--space-4) var(--space-6);font-size:var(--text-sm);color:#ffffffb3}.cta-trust 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