/* WealthSecure Insights benefits refresh — isolated from existing styles.css */
:root{--navy:#17384b;--navy-dark:#102b3b;--cream:#f6f5ef;--paper:#fff;--ink:#18364a;--muted:#536672;--green:#2c6747;--gold:#d7bd78;--line:#dce3dd;--radius:15px;--shadow:0 14px 40px rgba(15,44,58,.065)}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:24px}body{margin:0;background:var(--cream);color:var(--ink);font-family:'Segoe UI',Arial,sans-serif;font-size:17px;line-height:1.65}a{color:var(--green);text-underline-offset:4px}button,input,select,textarea{font:inherit}button,a,input,select,textarea,summary{ -webkit-tap-highlight-color:transparent}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,summary:focus-visible{outline:3px solid #c29a30;outline-offset:4px}button{cursor:pointer}p{margin:0 0 1.15rem}h1,h2,h3{margin:0 0 1rem;line-height:1.14;font-weight:500}h1,h2{font-family:Georgia,'Times New Roman',serif;letter-spacing:-.035em}h1{font-size:clamp(3rem,5.25vw,5.05rem)}h2{font-size:clamp(2.1rem,3.4vw,3.1rem)}h3{font-size:1.35rem;font-weight:650;letter-spacing:-.015em}small{font-size:.85rem;line-height:1.5}img{max-width:100%;height:auto}strong{font-weight:650}.container{width:min(1120px,calc(100% - 64px));margin-inline:auto}.skip-link{position:fixed;top:-100px;left:16px;z-index:10;padding:12px 20px;background:white;color:var(--navy)}.skip-link:focus{top:16px}
.hero{color:white;background:var(--navy-dark);padding:38px 0 84px}.hero-grid{display:grid;grid-template-columns:1.55fr 1fr;gap:64px;align-items:center}.hero-copy{padding-top:8px}.brand{font-size:19px;font-weight:650;letter-spacing:-.025em;margin-bottom:48px;color:#edf4ee}.brand .brand-accent{color:var(--gold)}.eyebrow{font-size:.77rem;font-weight:700;text-transform:uppercase;letter-spacing:.16em;margin-bottom:16px;color:var(--green)}.hero .eyebrow,.dark .eyebrow{color:#bdd5bf}.hero h1{max-width:740px;margin-bottom:26px}.accent{display:block;color:var(--gold);font-style:italic}.lead{font-size:1.2rem;line-height:1.65;max-width:690px;color:#e2e9e8}.hero .disclosure{color:#bfcdcf;font-size:.84rem;margin-top:22px;max-width:650px}.actions{display:flex;gap:12px;flex-wrap:wrap;align-items:center;margin:26px 0 0}.button{display:inline-flex;justify-content:center;align-items:center;gap:8px;min-height:48px;padding:12px 22px;text-decoration:none;border:1px solid transparent;border-radius:6px;font-weight:650;font-size:.96rem;line-height:1.4;transition:background .15s,color .15s,transform .15s}.button.primary{background:var(--green);color:white}.button.primary:hover{background:#215237}.hero .button.primary,.dark .button.primary{background:var(--gold);color:var(--navy-dark)}.hero .button.primary:hover,.dark .button.primary:hover{background:#e3ce95}.button.secondary{border-color:var(--line);background:white;color:var(--navy)}.hero .button.secondary,.dark .button.secondary{background:transparent;color:white;border-color:#657d88}.button.secondary:hover{background:#eaf0e8}.hero .button.secondary:hover,.dark .button.secondary:hover{background:#ffffff12}.button.text{padding-inline:0;background:none;color:var(--green);text-decoration:underline}.hero-note{padding:30px;background:#ffffff08;border:1px solid #506775;border-radius:var(--radius);margin-top:70px}.hero-note h2{font-size:1.8rem;color:var(--gold)}.hero-note p{color:#dbe6e5}.hero-note .kicker{color:#bdd5bf;font-size:.75rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase}.hero-note small{display:block;color:#bccbcf}.mini-step{display:grid;grid-template-columns:34px 1fr;gap:13px;padding:19px 0;border-bottom:1px solid #ffffff20}.mini-step:last-child{border:0}.mini-step span{font-size:.85rem;color:var(--gold);font-weight:700}.mini-step h3{font-size:1.05rem;margin:0 0 4px;color:white}.mini-step p{font-size:.92rem;line-height:1.5;margin:0}.rate-tease{border-top:1px solid #ffffff20;margin-top:18px;padding-top:20px}.rate-tease strong{font-size:1.8rem;color:var(--gold)}
.section{padding:76px 0}.section.light{background:white}.section.dark{background:var(--navy);color:white}.section-heading{max-width:780px;margin-bottom:34px}.section-heading p{color:var(--muted)}.dark .section-heading p{color:#d1dfdf}.three-grid,.product-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.product-grid{grid-template-columns:repeat(2,1fr)}.card{background:white;border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow)}.card p{color:var(--muted);font-size:1rem}.card .number{display:inline-grid;place-items:center;width:38px;height:38px;border-radius:50%;background:#e7efe6;color:var(--green);font-size:.85rem;font-weight:700;margin-bottom:23px}.card .eyebrow{margin-bottom:12px}.card .button{margin-top:6px}.list{padding-left:20px;color:var(--muted);font-size:.98rem}.list li{margin:9px 0}.disclosure{font-size:.87rem;line-height:1.6;color:var(--muted);margin-top:20px}.callout{background:#e8eee5;border:1px solid #d5dfd0;padding:23px 26px;border-radius:10px;margin-top:28px;color:#2f4f3a}.callout p:last-child{margin:0}.callout strong{color:#244732}.split{display:grid;grid-template-columns:1.1fr 1fr;gap:64px;align-items:start}.split .section-heading{margin:0}.note-panel{background:white;border-left:4px solid var(--gold);padding:30px;border-radius:0 12px 12px 0;box-shadow:var(--shadow)}.note-panel h3{color:var(--green)}.note-panel p:last-child{margin:0}.eligibility{display:flex;gap:22px;flex-wrap:wrap;margin-top:24px}.eligibility span{padding:8px 13px;background:#e9eee6;border-radius:5px;font-size:.85rem;color:#315541}
.rates{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.rate-card{border:1px solid var(--line);background:white;border-radius:12px;padding:23px 20px;display:flex;flex-direction:column;gap:14px}.rate-card h3{font-size:1rem;margin:0;min-height:2.6em}.rate-regular{font-size:1.8rem;font-weight:650;line-height:1.2}.rate-regular span,.rate-offer span{font-size:.8rem;font-weight:400}.rate-offer{padding-top:15px;border-top:1px solid var(--line);color:var(--green)}.rate-offer strong{font-size:1.8rem;font-weight:650;display:block;line-height:1.3}.rate-offer .label{font-size:.74rem;font-weight:650;text-transform:uppercase;letter-spacing:.055em;margin-bottom:6px;display:block}.rate-source{font-size:.85rem;color:var(--muted);margin-top:18px}.offer-banner{padding:24px 30px;background:var(--navy);color:white;border-radius:12px;margin-bottom:25px;display:flex;align-items:center;gap:26px}.offer-banner strong{color:var(--gold);font-size:3rem;line-height:1;font-family:Georgia,serif}.offer-banner p{margin:0;font-size:1rem}.faq-list{max-width:920px}.faq-list details{padding:20px 0;border-bottom:1px solid var(--line)}.faq-list summary{cursor:pointer;font-size:1.07rem;font-weight:650;list-style-position:outside;margin-left:20px;padding-right:15px}.faq-list details p{margin:15px 0 0;color:var(--muted);max-width:850px}.story{border-left:3px solid var(--gold);padding-left:32px;max-width:920px}.story p{font-family:Georgia,serif;font-size:clamp(1.45rem,2.3vw,2rem);line-height:1.55}.story .disclosure{font-family:'Segoe UI',Arial,sans-serif;font-size:.85rem;color:#d1dedf}.story .byline{font-family:'Segoe UI',Arial,sans-serif;font-size:.9rem;color:var(--gold)}
.comparison-controls{padding:18px 22px;margin:0 0 24px;border:1px solid var(--line);border-radius:10px;background:white;display:flex;align-items:center;gap:20px;flex-wrap:wrap}.comparison-controls legend{font-weight:650;padding:0 6px}.comparison-controls label{display:flex;gap:8px;align-items:center;font-size:.95rem;cursor:pointer}.comparison-controls input{accent-color:var(--green);width:17px;height:17px}.comparison-summary{font-size:1.07rem;margin-bottom:22px}.comparison-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.comparison-card{display:flex;flex-direction:column;background:white;padding:24px;border:1px solid var(--line);border-top:4px solid #a56550;border-radius:10px}.comparison-card.medical{border-top-color:#4f6b89}.comparison-card.supplemental{border-top-color:var(--green)}.comparison-card h3{font-size:1.12rem;min-height:2.7em;margin-bottom:22px}.comparison-card dl{margin:0 0 25px;font-size:.92rem}.comparison-card dt{color:var(--muted)}.comparison-card dd{margin:0 0 12px;font-size:1.1rem;font-weight:650}.comparison-card .result{margin-top:auto;padding-top:16px;border-top:1px solid var(--line)}.comparison-card .result span{font-size:.82rem;display:block;line-height:1.4;margin-bottom:8px}.comparison-card .result strong{font-size:2.4rem;line-height:1.2;color:#975a46}.comparison-card.medical .result strong{color:#365d81}.comparison-card.supplemental .result strong{color:var(--green)}.comparison-downloads{display:flex;gap:15px;flex-wrap:wrap;margin-top:18px;font-size:.85rem}.fineprint{font-size:.81rem;line-height:1.6;color:var(--muted);margin-top:24px;max-width:1020px}
.contact-layout{display:grid;grid-template-columns:.9fr 1.15fr;gap:64px}.contact-details{display:grid;gap:20px;margin-top:27px}.contact-details p{margin:0}.contact-details strong{display:block;font-size:.8rem;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);margin-bottom:5px}.contact-details a{overflow-wrap:anywhere}.form-shell{background:white;border:1px solid var(--line);border-radius:var(--radius);padding:32px;box-shadow:var(--shadow)}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}.field{display:flex;flex-direction:column;gap:6px}.field.wide{grid-column:1/-1}.field label{font-size:.87rem;font-weight:650}.field input,.field select,.field textarea{width:100%;padding:11px 13px;border:1px solid #c7d2cc;border-radius:6px;background:white;color:var(--ink);font-size:1rem;min-height:47px}.field textarea{resize:vertical;min-height:115px}.field small{color:var(--muted);font-size:.78rem}.form-status{margin-top:16px;font-size:.9rem;color:var(--green)}.draft-output{margin-top:18px}.draft-output textarea{width:100%;min-height:175px;padding:12px;background:#f2f5ee;border:1px solid var(--line);border-radius:6px;font-size:.86rem}.draft-output p{font-size:.87rem;color:var(--muted);margin-bottom:10px}.form-shell .disclosure{font-size:.8rem;margin-top:18px}.form-shell .actions{margin-top:20px}.footer{padding:40px 0;background:var(--navy-dark);color:#ccd9dc}.footer-grid{display:grid;grid-template-columns:1.1fr 1fr;gap:48px}.footer .brand{margin:0 0 12px}.footer p{font-size:.83rem;line-height:1.6}.footer-links{display:flex;flex-wrap:wrap;gap:12px 22px;align-content:start;padding-top:5px}.footer a{color:#d3dfe0;font-size:.88rem}.footer .legal{margin-top:28px;padding-top:20px;border-top:1px solid #ffffff25;font-size:.77rem;color:#b4c6cd}.media-links{display:flex;flex-wrap:wrap;gap:15px;margin-top:20px;font-size:.9rem}.legal-page{padding-top:16px}.compact-hero{padding-bottom:65px}.compact-hero .hero-grid{grid-template-columns:1.5fr 1fr}.compact-hero h1{font-size:clamp(2.8rem,4.6vw,4.4rem)}
@media(max-width:1000px){.hero-grid,.compact-hero .hero-grid{gap:32px;grid-template-columns:1.35fr 1fr}.rates{grid-template-columns:repeat(2,1fr)}.three-grid{grid-template-columns:1fr}.card{padding:25px}.split,.contact-layout{gap:32px}.hero-note{padding:24px}.hero h1{font-size:clamp(3rem,6vw,4.7rem)}}
@media(max-width:760px){.container{width:calc(100% - 40px)}.hero{padding:28px 0 52px}.hero-grid,.compact-hero .hero-grid,.split,.contact-layout,.footer-grid{grid-template-columns:1fr;gap:28px}.brand{margin-bottom:34px}.hero-note{margin-top:5px}.hero h1{font-size:clamp(2.65rem,10vw,4.2rem);letter-spacing:-.04em}.lead{font-size:1.08rem}.section{padding:50px 0}.product-grid,.comparison-grid{grid-template-columns:1fr}.comparison-card h3{min-height:0}.comparison-card dl{display:grid;grid-template-columns:1fr 1fr;gap:5px 15px;margin-bottom:15px}.comparison-card dd{margin-bottom:6px;text-align:right}.comparison-card .result strong{font-size:2.1rem}.comparison-card .result span{max-width:250px}.offer-banner{padding:22px;gap:20px}.comparison-controls{align-items:flex-start;flex-direction:column;gap:12px}.form-shell{padding:24px}.story{padding-left:22px}.contact-details{margin-top:24px}.footer{padding-top:32px}.footer-grid{gap:16px}.compact-hero h1{font-size:clamp(2.55rem,9vw,3.7rem)}}
@media(max-width:440px){.container{width:calc(100% - 32px)}.rates{grid-template-columns:1fr}.rate-card{display:grid;grid-template-columns:1fr 1fr;gap:16px;align-items:center}.rate-card h3{grid-column:1/-1;min-height:0}.rate-offer{padding:0 0 0 14px;border-top:0;border-left:1px solid var(--line)}.rate-offer .label{font-size:.65rem}.rate-regular{font-size:1.55rem}.rate-offer strong{font-size:1.55rem}.form-grid{grid-template-columns:1fr}.field.wide{grid-column:auto}.actions .button{width:100%;text-align:center}.offer-banner{align-items:flex-start}.hero-note{padding:23px}.form-shell{padding:21px}.section-heading h2{font-size:2rem}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{animation:none!important;transition:none!important}}

.dark .card{color:var(--ink)}