:root{--teal:#1A5966;--teal600:#208381;--teal100:#D9F0EF;--navy:#0A1134;
 --muted:#55607A;--band:#EEF8F8;--line:#E4EDEE;--emerald:#32D0A4;
 --ffd:'Montserrat','Segoe UI',system-ui,sans-serif;
 --ffb:'Inter',-apple-system,'Segoe UI',sans-serif;
 --s4:16px;--s5:24px;--s6:32px;--s7:48px;--s8:64px;--s9:92px}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{margin:0;background:#fff;color:var(--navy);font-family:var(--ffb);
 font-size:16px;line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
.wrap{max-width:1040px;margin:0 auto;padding:0 var(--s5)}
h1,h2,h3{font-family:var(--ffd);color:var(--navy);line-height:1.12;margin:0;
 letter-spacing:-.02em}
h1{font-size:clamp(38px,6vw,62px);font-weight:800}
h2{font-size:clamp(26px,3.4vw,36px);font-weight:700}
h3{font-size:17px;font-weight:700}
p{margin:0 0 var(--s4)}
a{color:var(--teal)}
:focus-visible{outline:3px solid var(--emerald);outline-offset:3px;border-radius:6px}
.eyebrow{font-size:12px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;
 color:var(--teal);margin:0 0 14px}
.subhead{font-size:18px;color:var(--muted);max-width:56ch;margin:var(--s5) auto 0;
 line-height:1.55}
.sec.ctr .subhead{margin-left:auto;margin-right:auto}
.micro{margin-top:var(--s5);font-size:13.5px;color:var(--muted)}

/* BUTTONS — emerald pill, navy text. Identical to the consumer site. */
.btn{display:inline-block;background:var(--emerald);color:var(--navy);
 text-decoration:none;font-weight:700;padding:21px 52px;border-radius:999px;
 font-size:18px;border:0;letter-spacing:.01em;
 box-shadow:0 2px 0 rgba(10,17,52,.06)}
.btn:hover{background:#2ABF95}
.btn2{display:inline-block;background:transparent;color:var(--teal);
 border:2px solid var(--teal);padding:19px 44px;border-radius:999px;
 font-weight:700;font-size:18px;text-decoration:none}
.btn2:hover{background:var(--teal);color:#fff}
.btns{display:flex;gap:18px;flex-wrap:wrap}
.sec.ctr .btns,.hero .btns{justify-content:center}
.hero .btn2{color:#fff;border-color:rgba(255,255,255,.75)}
.hero .btn2:hover{background:#fff;color:var(--teal);border-color:#fff}

/* MASTHEAD — tier 1 logo with air, tier 2 sticky teal bar. */
.hdr{background:#fff}
.hdr .wrap{display:flex;justify-content:center;align-items:center;
 padding:44px var(--s5) 38px}
.hdr img{height:56px;width:auto}
.navbar{background:var(--teal);position:sticky;top:0;z-index:20;
 box-shadow:0 1px 0 rgba(10,17,52,.08)}
.navbar .wrap{display:flex;justify-content:space-between;align-items:center;
 gap:22px;min-height:60px;flex-wrap:wrap}
.navbar a{color:#fff;text-decoration:none;font-weight:700;font-size:15px;
 letter-spacing:.015em;padding:10px 2px}
.navbar a:hover{color:var(--teal100)}

/* HERO — full-bleed photo, centred type, navy scrim. */
.hero{position:relative;min-height:660px;display:flex;align-items:center;
 text-align:center;overflow:hidden}
.hero-bg{position:absolute;inset:0;z-index:0}
.hero-bg img{width:100%;height:100%;object-fit:cover;object-position:50% 40%}
.hero-bg::after{content:'';position:absolute;inset:0;
 background:linear-gradient(180deg,rgba(10,17,52,.66) 0%,rgba(10,17,52,.44) 45%,
 rgba(10,17,52,.74) 100%)}
.hero .wrap{position:relative;z-index:1;padding-top:var(--s9);
 padding-bottom:var(--s8)}
.hero .eyebrow{color:#fff;opacity:.92}
.hero h1{max-width:16ch;margin:0 auto;color:#fff;
 text-shadow:0 2px 26px rgba(10,17,52,.4)}
.hero .sub{font-size:20px;color:rgba(255,255,255,.95);max-width:44ch;
 margin:var(--s5) auto var(--s7);line-height:1.5}
.hero .sub b{color:#fff;font-weight:700}
.hero .micro{color:rgba(255,255,255,.86)}
.proof{display:flex;justify-content:center;gap:var(--s8);flex-wrap:wrap;
 margin-top:var(--s8);padding-top:var(--s6);
 border-top:1px solid rgba(255,255,255,.22)}
.proof div{color:#fff;text-align:center}
.proof b{display:block;font-family:var(--ffd);font-size:23px;font-weight:800;
 line-height:1;margin-bottom:6px}
.proof span{font-size:12px;letter-spacing:.13em;text-transform:uppercase;opacity:.82}

/* SECTION RHYTHM — plain, then band, then plain. The transition device. */
.sec{padding:var(--s9) 0}
.sec.band{background:var(--band);border-top:1px solid var(--line);
 border-bottom:1px solid var(--line)}
.sec.ctr{text-align:center}
.sec.ctr h2{max-width:22ch;margin:0 auto}
.midshot{max-width:1040px;margin:var(--s8) auto 0;border-radius:14px;overflow:hidden}
.midshot img{width:100%;height:auto}

/* .bul — the 4-up (or 2-up) outlined teal card. Consumer component. */
.bul{display:grid;grid-template-columns:repeat(4,1fr);gap:var(--s5);
 margin-top:var(--s8)}
.bul.two{grid-template-columns:1fr 1fr;max-width:860px;margin-inline:auto}
.bul.three{grid-template-columns:repeat(3,1fr)}
.bul>div{text-align:center;padding:var(--s6) 14px;background:#fff;
 border:2px solid var(--teal);border-radius:14px}
.bul b{display:block;font-family:var(--ffd);font-size:32px;font-weight:800;
 color:var(--teal);line-height:1;margin-bottom:10px}
.bul span{font-size:14.5px;color:var(--navy);font-weight:500}
.bul span strong{font-weight:700;color:var(--teal)}

/* .vcard — the 1px bordered white card. Consumer component. */
.vgrid{display:grid;grid-template-columns:1fr 1fr;gap:var(--s6);
 margin-top:var(--s8);text-align:left;align-items:stretch}
.vgrid.wide{grid-template-columns:1.35fr 1fr}
.vcard{border:1px solid var(--line);border-radius:14px;padding:var(--s6);
 background:#fff;display:flex;flex-direction:column}
.vcard.no{background:#FBFCFC;border-color:#D7E3E4}
.vcard h3{margin-bottom:14px}
.vcard ul{margin:0;padding-left:20px;color:var(--muted);font-size:15.5px}
.vcard li{margin-bottom:9px}
.vcard p{color:var(--muted);font-size:15.5px}

/* PAY BOXES — agent-only, built in the .vcard idiom. */
.pay{border:2px solid var(--teal);border-radius:14px;padding:var(--s6);
 background:#fff;text-align:left;display:flex;flex-direction:column}
.pay .ph{font-family:var(--ffd);font-size:26px;font-weight:800;color:var(--navy);
 line-height:1.1;margin:0 0 4px}
.pay .ps{font-size:13.5px;color:var(--muted);margin:0 0 var(--s5)}
.pline{display:flex;justify-content:space-between;align-items:baseline;gap:16px;
 padding:11px 0;border-top:1px solid var(--line)}
.pline span{font-size:14.5px;color:var(--muted)}
.pline b{font-family:var(--ffd);font-size:17px;font-weight:800;color:var(--navy);
 text-align:right;font-variant-numeric:tabular-nums}
.ptot{display:flex;justify-content:space-between;align-items:baseline;gap:16px;
 padding:16px 0 4px;border-top:2px solid var(--teal);margin-top:2px}
.ptot span{font-size:14.5px;font-weight:700;color:var(--navy)}
.ptot b{font-family:var(--ffd);font-size:32px;font-weight:800;color:var(--teal);
 line-height:1;font-variant-numeric:tabular-nums}
.plic{margin:var(--s5) 0 0;padding-top:14px;border-top:1px solid var(--line);
 font-size:13.5px;line-height:1.5;color:var(--navy)}

/* FIGURES with a source — agent-only, consumer idiom. */
.figs{display:grid;gap:var(--s5);margin-top:var(--s7);text-align:left;
 max-width:70ch;margin-inline:auto}
.fig{border-left:2px solid var(--teal);padding-left:18px}
.fig b{display:block;font-family:var(--ffd);font-size:30px;font-weight:800;
 color:var(--teal);line-height:1;margin-bottom:7px;font-variant-numeric:tabular-nums}
.fig span{display:block;font-size:15.5px;color:var(--navy);line-height:1.5}
.fig .src{display:block;margin-top:7px;font-size:12px;letter-spacing:.11em;
 text-transform:uppercase;color:var(--muted);font-weight:700}
.say{max-width:70ch;margin:var(--s6) auto 0;background:var(--band);
 border-radius:14px;padding:var(--s5) var(--s6);text-align:left}
.sec.band .say{background:#fff}
.say p{margin:0;font-size:16px;color:var(--navy)}

/* STEPS — consumer component, teal numeral discs. */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--s6);
 margin:var(--s8) 0 0;text-align:left}
.steps.four{grid-template-columns:repeat(4,1fr)}
.steps .n{display:flex;align-items:center;justify-content:center;width:46px;
 height:46px;border-radius:50%;background:var(--teal);color:#fff;
 font-family:var(--ffd);font-size:20px;font-weight:800;margin-bottom:18px}
.steps h3{margin-bottom:6px}
.steps p{margin:6px 0 0;font-size:15px;color:var(--muted)}

/* COMPARISON TABLE — consumer component. */
table.cmp{width:100%;border-collapse:collapse;margin-top:var(--s8);
 font-size:15.5px;text-align:left}
table.cmp th,table.cmp td{padding:16px 14px;border-bottom:1px solid var(--line);
 vertical-align:top}
table.cmp thead th{font-family:var(--ffd);font-size:14px;font-weight:700;
 color:var(--navy);border-bottom:2px solid var(--teal)}
table.cmp thead th:first-child{border-bottom:1px solid var(--line);
 color:var(--muted);font-weight:500}
table.cmp td.us{color:var(--teal);font-weight:600;font-variant-numeric:tabular-nums}
table.cmp td.them{color:var(--muted);font-variant-numeric:tabular-nums}
.tw{overflow-x:auto}

/* SCANNER — consumer component, verbatim. */
.scan{max-width:230px;margin:var(--s8) auto var(--s7);
 filter:drop-shadow(0 16px 40px rgba(10,17,52,.16))}
.cry{font-family:var(--ffd);font-weight:800;font-size:clamp(23px,3vw,30px);
 color:var(--teal);margin:0}
.scanfacts{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--s5);
 max-width:640px;margin:var(--s7) auto 0;padding-top:var(--s6);
 border-top:1px solid var(--line)}
.scanfacts b{display:block;font-family:var(--ffd);font-size:26px;font-weight:800;
 color:var(--teal);line-height:1;margin-bottom:6px}
.scanfacts span{font-size:13.5px;color:var(--muted)}

/* FOOTER — consumer component. */
.ftr{border-top:1px solid var(--line);padding:var(--s8) 0 var(--s7);
 font-size:13.5px;color:var(--muted)}
.ftr-top{display:flex;justify-content:space-between;gap:var(--s7);flex-wrap:wrap;
 padding-bottom:var(--s6);border-bottom:1px solid var(--line)}
.ftr-nav{display:flex;gap:20px;flex-wrap:wrap}
.ftr a{color:var(--teal);text-decoration:none}
.disc{margin-top:var(--s6);max-width:90ch}
.disc p{margin:0 0 10px;font-size:12.5px;line-height:1.7}
.skip{position:absolute;left:-9999px}
.skip:focus{position:fixed;left:16px;top:16px;z-index:60;background:var(--emerald);
 color:var(--navy);padding:14px 22px;border-radius:999px;font-weight:700}
@media(max-width:880px){
 .bul,.bul.three{grid-template-columns:1fr 1fr}
 .steps,.steps.four,.vgrid,.vgrid.wide{grid-template-columns:1fr}
 .navbar .wrap{justify-content:center;gap:16px 22px;padding-top:12px;padding-bottom:12px}
 .hdr .wrap{padding:32px var(--s5) 28px}.sec{padding:var(--s8) 0}
 .btn,.btn2{padding:18px 34px;font-size:16px}}
@media(max-width:520px){.bul,.bul.two,.scanfacts{grid-template-columns:1fr}}

/* ===================================================================
   CONSUMER-ONLY RULES, merged 2026-09-01 by _ops/site/build_rhs_system.py
   These come from the consumer home and were absent from site-v11.css.
   site-v11.css itself is untouched above this line. Add new components
   HERE in the same idiom - never start a second stylesheet.
   =================================================================== */
.rhs{background:#fff;color:var(--navy);font-family:var(--ffb);font-size:16px;line-height:1.6}
.rhs img{max-width:100%;display:block}
.rhs h1{font-size:clamp(38px,6vw,62px);font-weight:800}
.rhs h2{font-size:clamp(26px,3.4vw,36px);font-weight:700}
.rhs h3{font-size:17px;font-weight:700}
.rhs p{margin:0 0 var(--s4)}
.btn-wide{min-width:340px}
.bleed{width:100%;overflow:hidden;line-height:0}
.bleed img{width:100%;height:auto;display:block}
.bul div{text-align:center;padding:var(--s6) 14px;background:#fff;border:2px solid var(--teal);border-radius:14px}
.dvd{display:flex;justify-content:center;margin:0 0 var(--s6);line-height:0}
.startbox{display:grid;grid-template-columns:1fr 1fr;gap:var(--s6);max-width:820px;margin:var(--s8) auto 0;text-align:left}
.sb{border:1px solid var(--line);border-radius:14px;padding:var(--s6);background:#fff}
.sb .when{font-family:var(--ffd);font-size:13px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--teal);margin-bottom:10px}
.sb strong{display:block;font-family:var(--ffd);font-size:20px;font-weight:700;color:var(--navy);margin-bottom:8px;line-height:1.25}
.sb p{margin:0;font-size:15px;color:var(--muted)}
.faq{max-width:70ch;margin:var(--s8) auto 0;text-align:left}
.faq details{border-bottom:1px solid var(--line);padding:18px 0}
.faq summary{font-family:var(--ffd);font-weight:700;font-size:16.5px;cursor:pointer;color:var(--navy);list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:'+';float:right;color:var(--teal);font-weight:700}
.faq details[open] summary::after{content:'\2212'}
.faq p{margin:12px 0 0;font-size:15.5px;color:var(--muted)}