/* Multipage extensions */
.coverage-card,.profession-list article{position:relative}
.stretched-link{position:absolute;inset:0;z-index:3;font-size:0;color:transparent}
.profession-list article:has(.stretched-link):hover i,.coverage-card:has(.stretched-link):hover .card-top i{transform:translateX(4px)}
.card-top i,.profession-list i{transition:transform .2s}
.sub-hero{background:linear-gradient(135deg,#0a234d 0%,#123b78 100%);color:#fff;padding:72px clamp(30px,10.4vw,200px) 82px;position:relative;overflow:hidden}
.sub-hero:after{content:"";position:absolute;width:440px;height:440px;border:1px solid #ffffff1f;border-radius:50%;right:-170px;top:-170px;box-shadow:0 0 0 72px #ffffff08,0 0 0 144px #ffffff05}
.breadcrumbs{font-size:12px;color:#c8d3e4;margin-bottom:34px;position:relative;z-index:1}.breadcrumbs a{color:#fff}.breadcrumbs span{margin:0 9px;color:#d69a00}
.sub-hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:80px;align-items:end;position:relative;z-index:1}
.sub-hero .eyebrow{color:#d69a00}.sub-hero h1{font:400 clamp(44px,4.6vw,76px)/1.03 Georgia,serif;letter-spacing:-.04em;margin:0;max-width:920px}.sub-hero h1 em{color:#d69a00;font-style:normal}.sub-hero .sub-lead{color:#d2dceb;font-size:18px;line-height:1.75;max-width:760px;margin:28px 0 0}
.sub-hero-card{border:1px solid #ffffff2a;background:#ffffff0d;padding:30px}.sub-hero-card strong{display:block;color:#d69a00;font:700 16px Georgia,serif;margin-bottom:10px}.sub-hero-card p{color:#d5deeb;margin:0;line-height:1.65;font-size:14px}
.sub-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:32px}.sub-actions .button-secondary{background:transparent;color:#fff;border-color:#ffffff55}
.sub-section{padding:88px clamp(30px,10.4vw,200px)}.sub-section.alt{background:#f4f6f9}.sub-heading{display:grid;grid-template-columns:1fr .78fr;gap:70px;align-items:end;margin-bottom:42px}.sub-heading h2{color:#0a3470;font:400 clamp(36px,3.2vw,56px)/1.08 Georgia,serif;letter-spacing:-.03em;margin:0}.sub-heading p{color:#657287;line-height:1.75;margin:0}
.info-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.info-card{background:#fff;border:1px solid #dfe5ee;padding:30px;min-height:250px}.info-card b{color:#d69a00;font:700 13px Georgia,serif}.info-card h3{color:#0a3470;font:700 23px/1.25 Georgia,serif;margin:36px 0 15px}.info-card p{color:#657287;line-height:1.7;font-size:14px;margin:0}
.scenario-list{border-top:1px solid #dfe5ee}.scenario-list div{display:grid;grid-template-columns:70px 1fr;gap:22px;border-bottom:1px solid #dfe5ee;padding:23px 4px}.scenario-list b{color:#d69a00;font:700 13px Georgia,serif}.scenario-list p{margin:0;color:#31445f;font-size:16px;line-height:1.6}
.check-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}.check-grid div{background:#0a234d;color:#dce4ef;padding:22px 24px;font-size:14px;line-height:1.55}.check-grid div:before{content:"✓";color:#d69a00;margin-right:12px;font-weight:800}
.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.related-card{display:block;background:#fff;border:1px solid #dfe5ee;padding:26px;min-height:145px;transition:transform .2s,border-color .2s}.related-card:hover{transform:translateY(-3px);border-color:#bfcada}.related-card small{color:#d69a00;text-transform:uppercase;letter-spacing:.12em}.related-card strong{display:block;color:#0a3470;font:700 20px Georgia,serif;margin-top:14px}.related-card span{display:block;color:#657287;font-size:12px;margin-top:8px}
.notice{border-left:4px solid #d69a00;background:#fff7df;color:#5a4b20;padding:18px 22px;font-size:13px;line-height:1.65;margin-top:30px}
.contact-layout{display:grid;grid-template-columns:.82fr 1.18fr;gap:70px}.contact-card{background:#0a234d;color:#fff;padding:38px}.contact-card h2{font:400 40px Georgia,serif;margin:0 0 25px}.contact-card a{color:#d69a00;font-weight:700}.contact-card p{color:#c9d4e5;line-height:1.7}.contact-form{display:grid;grid-template-columns:1fr 1fr;gap:16px}.contact-form label{display:grid;gap:8px;color:#33445e;font-size:13px;font-weight:700}.contact-form label.full{grid-column:1/-1}.contact-form input,.contact-form select,.contact-form textarea{width:100%;box-sizing:border-box;border:1px solid #ced7e3;background:#fff;padding:14px;font:inherit;color:#152a48}.contact-form textarea{min-height:145px;resize:vertical}.contact-form .consent{grid-column:1/-1;display:flex;align-items:flex-start;gap:10px;font-weight:400;line-height:1.5}.contact-form .consent input{width:auto;margin-top:3px}.contact-form button{grid-column:1/-1;border:0;cursor:pointer}.hp-field{position:absolute!important;left:-9999px!important;width:1px!important;height:1px!important;overflow:hidden!important}
.prof-hub-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.prof-hub-card{display:block;border:1px solid #dfe5ee;background:#fff;padding:30px;min-height:210px}.prof-hub-card b{color:#d69a00}.prof-hub-card h3{color:#0a3470;font:700 23px Georgia,serif;margin:34px 0 12px}.prof-hub-card p{color:#657287;line-height:1.65;font-size:14px;margin:0}.prof-hub-card:hover{box-shadow:0 20px 45px #0a234d12;transform:translateY(-3px)}
@media (max-width:900px){.sub-hero-grid,.sub-heading,.contact-layout{grid-template-columns:1fr;gap:34px}.info-grid,.related-grid,.prof-hub-grid{grid-template-columns:1fr}.check-grid,.contact-form{grid-template-columns:1fr}.contact-form label.full,.contact-form .consent,.contact-form button{grid-column:auto}.sub-hero{padding:58px 24px 68px}.sub-section{padding:68px 24px}}

/* v2: full navigation drawer on desktop + page-specific imagery */
.site-header{grid-template-columns:auto 1fr auto auto;column-gap:22px}.menu-toggle{appearance:none;border:0;background:#0a234d;color:#fff;width:66px;height:62px;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:6px;cursor:pointer;border-radius:3px;justify-self:end;box-shadow:0 5px 18px #0a234d20}.menu-toggle-bars{display:flex;flex-direction:column;gap:5px;width:27px}.menu-toggle-bars i{height:2px;background:#d69a00;border-radius:3px;width:100%;display:block}.menu-toggle-label{font-size:9px;font-weight:800;letter-spacing:.12em}.menu-overlay{position:fixed;inset:0;background:#071a35a8;z-index:199;opacity:0;pointer-events:none;transition:opacity .25s}.site-drawer{position:fixed;z-index:200;right:0;top:0;width:min(440px,94vw);height:100dvh;background:#082754;color:#fff;transform:translateX(102%);transition:transform .28s ease;box-shadow:-24px 0 65px #00132f35;display:flex;flex-direction:column;overflow-y:auto}body.drawer-open{overflow:hidden}body.drawer-open .menu-overlay{opacity:1;pointer-events:auto}body.drawer-open .site-drawer{transform:translateX(0)}.drawer-head{display:flex;align-items:center;justify-content:space-between;padding:24px 28px 20px;border-bottom:1px solid #ffffff22;position:sticky;top:0;background:#082754;z-index:2}.drawer-brand img{width:210px;max-width:70vw}.drawer-close{border:0;background:transparent;color:#fff;font-size:42px;line-height:1;cursor:pointer;padding:0 4px}.drawer-nav{padding:12px 28px 8px;display:block!important}.drawer-nav a{display:block;color:#eef4ff;padding:11px 0;font-size:14px;font-weight:600;border-bottom:1px solid #ffffff16}.drawer-nav a:hover{color:#efb21b}.drawer-nav a:after{display:none!important}.drawer-home{font-size:16px!important;color:#efb21b!important}.drawer-group{padding:15px 0 4px;border-bottom:1px solid #ffffff22}.drawer-group h3{color:#efb21b;text-transform:uppercase;letter-spacing:.13em;font-size:11px;margin:0 0 6px}.drawer-group a{padding:9px 0 9px 13px;font-weight:500}.drawer-simple a{padding-left:0;font-weight:700}.drawer-contact{padding:20px 28px 30px;margin-top:auto;background:#061d42}.drawer-contact small{display:block;color:#c4d1e4;margin-bottom:7px}.drawer-contact>a:first-of-type{font:700 25px Georgia,serif;color:#fff}.drawer-cta{display:flex!important;justify-content:center;margin-top:18px;background:#d69a00;color:#082754!important;padding:14px 16px!important;text-transform:uppercase;letter-spacing:.08em;font-size:12px!important;font-weight:800!important;border:0!important}.sub-hero-grid{grid-template-columns:1.05fr .72fr;gap:58px;align-items:center}.sub-hero-side{display:grid;gap:16px;position:relative;z-index:1}.sub-visual{margin:0;aspect-ratio:4/3;height:auto;border:0;overflow:hidden;background:#102f5d;box-shadow:0 18px 48px #001f4b30}.sub-visual img{width:100%;height:100%;object-fit:cover;object-position:center 12%;display:block;filter:saturate(.92) contrast(1.03)}.sub-hero-card{background:#ffffff12}@media (max-width:1180px){.site-header{grid-template-columns:1fr auto auto!important}.site-header>nav{display:none!important}.menu-toggle{width:58px;height:56px}.sub-hero-grid{grid-template-columns:1fr .82fr;gap:36px}}@media (max-width:850px){.site-header{grid-template-columns:1fr auto auto!important}.header-contact{padding-left:8px}.menu-toggle{width:52px;height:50px}.menu-toggle-label{display:none}.sub-hero-grid{grid-template-columns:1fr;gap:28px}.sub-visual{aspect-ratio:5/4;height:auto}.sub-hero-side{order:2}.site-drawer{width:100%;max-width:none}.drawer-head{padding:20px}.drawer-nav{padding:8px 22px}.drawer-contact{padding:18px 22px 26px}}@media (max-width:540px){.header-contact{display:none!important}.site-header{grid-template-columns:1fr auto!important}.brand-logo{width:190px}.sub-visual{aspect-ratio:4/3;height:auto}}


/* v4: insurance family + richer footer */
.insurance-family{padding:64px 0 58px;background:linear-gradient(180deg,#f7f9fc 0%,#fff 100%);border-top:1px solid #dfe5ee;border-bottom:1px solid #dfe5ee}
.family-shell,.footer-shell{width:min(1320px,calc(100% - 64px));margin:0 auto}
.family-head{text-align:center;max-width:1120px;margin:0 auto 30px}.family-eyebrow{margin:0 0 16px;color:#d69a00;font-size:10px;font-weight:900;letter-spacing:.16em}.family-master{display:inline-flex;align-items:center;justify-content:center;margin:0 auto 18px;padding:8px 20px;border-radius:12px}.family-master img{display:block;width:min(560px,78vw);height:auto;max-height:92px;object-fit:contain}.family-head h2{font-family:Georgia,'Times New Roman',serif;color:#12366f;font-size:clamp(30px,3.2vw,44px);font-weight:400;line-height:1.08;letter-spacing:-.03em;margin:0 0 14px}.family-head>p:last-child{max-width:1050px;margin:0 auto;color:#59687d;font-size:20px;line-height:1.55}.family-head>p:last-child strong{color:#12366f}.family-head>p:last-child a{color:#12366f;font-weight:800;border-bottom:1px solid #d69a00}.family-divider{display:flex;align-items:center;gap:16px;margin:34px 0 20px;color:#7f8998;font-size:9px;font-weight:900;letter-spacing:.12em;text-transform:uppercase}.family-divider:before,.family-divider:after{content:"";height:1px;background:#dfe5ee;flex:1}.family-brands{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}.family-brand-card{min-height:126px;background:#fff;border:1px solid #e6eaf0;border-radius:14px;padding:18px 18px 14px;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:11px;box-shadow:0 10px 28px rgba(10,35,77,.035);transition:transform .18s ease,border-color .18s ease,box-shadow .18s ease}.family-brand-card:hover{transform:translateY(-3px);border-color:#d9b85b;box-shadow:0 16px 34px rgba(10,35,77,.075)}.family-brand-card img{display:block;width:auto;height:auto;max-width:90%;max-height:58px;object-fit:contain}.family-brand-card small{color:#6c788b;font-size:9.5px;font-weight:800;letter-spacing:.025em;text-align:center}.family-brand-card:last-child img{max-height:54px}
.site-footer{background:#071d3e;color:#b9c7da;padding:58px 0 24px}.footer-grid-v4{display:grid;grid-template-columns:1.25fr .85fr .9fr;gap:80px}.footer-about img{width:min(285px,100%);height:auto;background:#fff;border-radius:3px;padding:6px 10px}.footer-about p{font-size:13px;line-height:1.7;margin:22px 0 14px;max-width:430px}.footer-about strong{display:block;color:#fff;font-size:13px;line-height:1.55}.footer-nav-v4,.footer-contact-v4{display:flex;flex-direction:column;gap:13px}.footer-nav-v4>strong,.footer-contact-v4>strong{color:#8496b3;font-size:12px;letter-spacing:.08em;margin-bottom:8px}.footer-nav-v4 a,.footer-contact-v4 a,.footer-contact-v4 span{font-size:14px;line-height:1.45;color:#d4deec}.footer-nav-v4 a:hover,.footer-contact-v4 a:hover{color:#d69a00}.footer-contact-v4 a:first-of-type{font-weight:800;color:#fff}.footer-bottom-v4{border-top:1px solid #ffffff1d;margin-top:42px;padding-top:22px;display:flex;justify-content:space-between;gap:25px;font-size:11px}.footer-bottom-v4 a{color:#d4deec}
@media(max-width:900px){.family-head>p:last-child{font-size:18px;max-width:92%}.family-brands{grid-template-columns:1fr 1fr}.footer-grid-v4{grid-template-columns:1fr 1fr;gap:45px}.footer-about{grid-column:1/-1}.footer-bottom-v4{flex-direction:column}.family-shell,.footer-shell{width:min(100% - 40px,1320px)}}
@media(max-width:560px){.insurance-family{padding:48px 0 44px}.family-master img{width:min(500px,94vw);max-height:78px}.family-head h2{font-size:32px}.family-head>p:last-child{font-size:16.5px}.family-brands{grid-template-columns:1fr 1fr;gap:10px}.family-brand-card{min-height:104px;padding:14px 10px 12px}.family-brand-card img{max-width:96%;max-height:36px}.family-brand-card:last-child img{max-height:38px}.footer-grid-v4{grid-template-columns:1fr;gap:38px}.footer-about{grid-column:auto}.site-footer{padding-top:46px}.family-shell,.footer-shell{width:min(100% - 32px,1320px)}}
/* v4 footer reset against legacy generic footer rules */
.site-footer{display:block!important;grid-template-columns:none!important;align-items:initial!important;gap:0!important;padding:58px 0 24px!important}
.site-footer>.footer-grid-v4{display:grid!important;grid-template-columns:1.25fr .85fr .9fr!important;gap:80px!important;justify-self:auto!important;color:#b9c7da!important}
.site-footer>.footer-bottom-v4{display:flex!important;justify-content:space-between!important;gap:25px!important;justify-self:auto!important;color:#b9c7da!important}
@media(max-width:900px){.site-footer>.footer-grid-v4{grid-template-columns:1fr 1fr!important;gap:45px!important}.site-footer>.footer-bottom-v4{flex-direction:column!important}.footer-about{grid-column:1/-1}}
@media(max-width:560px){.site-footer>.footer-grid-v4{grid-template-columns:1fr!important;gap:38px!important}.footer-about{grid-column:auto}}



/* v6: stronger global phone styling + family umbrella phrase in blue */
a[href^="tel:"]{font-family:Georgia,"Times New Roman",serif !important;font-style:normal !important;font-weight:700 !important;font-variant-numeric:lining-nums tabular-nums !important;letter-spacing:.025em !important;}
.header-contact a[href^="tel:"],.drawer-contact>a[href^="tel:"],.sub-actions a[href^="tel:"],.cta-contact a[href^="tel:"],.footer-contact-v4 a[href^="tel:"]{font-family:Georgia,"Times New Roman",serif !important;font-variant-numeric:lining-nums tabular-nums !important;letter-spacing:.025em !important;}
.insurance-family .family-head h2 .gold-text{color:#12366f !important;}
/* v49: phone numerals only — match reference typography */
.phone-digits{font-family:Georgia,"Times New Roman",serif !important;font-weight:700 !important;font-style:normal !important;font-variant-numeric:normal !important;font-feature-settings:normal !important;letter-spacing:normal !important;font-stretch:normal !important;}