:root{
  --teal:#0F4C5C;--teal-2:#16697A;--amber:#F2A541;--amber-soft:#FCEBD0;
  --cream:#FAF7F2;--paper:#FFFFFF;--ink:#1F2A30;--muted:#5B6870;--line:#E6E0D6;
  --dental:#2A9D8F;--home:#E76F51;--money:#6C63A8;
  --radius:16px;--shadow:0 1px 2px rgba(15,76,92,.06),0 8px 24px rgba(15,76,92,.08);
  --serif:"Fraunces",Georgia,"Times New Roman",serif;
  --sans:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--cream);color:var(--ink);font:17px/1.65 var(--sans)}
img,svg{max-width:100%;height:auto}
a{color:var(--teal-2);text-decoration-thickness:1px;text-underline-offset:3px}
a:hover{color:var(--teal)}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:16px;top:12px;background:#fff;padding:8px 12px;border-radius:8px;z-index:10}

/* header */
.site-header{background:var(--paper);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:5}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:72px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink)}
.brand img{width:40px;height:40px}
.brand-name{font:700 21px/1 var(--serif);letter-spacing:-.01em}
.brand-name span{color:var(--amber)}
.nav{display:flex;gap:4px;align-items:center}
.nav a{padding:8px 12px;border-radius:999px;text-decoration:none;color:var(--ink);font-weight:500;font-size:15px}
.nav a:hover,.nav a[aria-current=page]{background:var(--amber-soft);color:var(--teal)}
.menu{display:none}
@media (max-width:760px){
  .nav{display:none}
  .menu{display:block;position:relative}
  .menu summary{list-style:none;cursor:pointer;padding:8px 12px;border:1px solid var(--line);border-radius:10px;font-weight:600}
  .menu summary::-webkit-details-marker{display:none}
  .menu[open] .menu-panel{display:flex}
  .menu-panel{display:none;flex-direction:column;position:absolute;right:0;top:46px;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow);padding:8px;min-width:220px}
  .menu-panel a{padding:10px 12px;text-decoration:none;color:var(--ink);border-radius:8px}
  .menu-panel a:hover{background:var(--amber-soft)}
}

/* hero */
.hero{background:linear-gradient(135deg,var(--teal) 0%,var(--teal-2) 100%);color:#fff;padding:64px 0 72px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-120px;top:-120px;width:420px;height:420px;border-radius:50%;background:rgba(242,165,65,.18)}
.hero h1{font:700 clamp(32px,5vw,52px)/1.1 var(--serif);margin:0 0 16px;max-width:760px;letter-spacing:-.02em}
.hero p{font-size:19px;max-width:640px;margin:0 0 28px;color:#E5F1F3}
.hero .eyebrow{display:inline-block;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.25);padding:6px 12px;border-radius:999px;font-size:13px;font-weight:600;letter-spacing:.04em;text-transform:uppercase;margin-bottom:18px}
.btn{display:inline-block;background:var(--amber);color:var(--ink);font-weight:700;padding:13px 22px;border-radius:12px;text-decoration:none}
.btn:hover{background:#F5B562;color:var(--ink)}
.btn.ghost{background:transparent;color:#fff;border:1px solid rgba(255,255,255,.5);margin-left:10px}
.btn.ghost:hover{background:rgba(255,255,255,.1);color:#fff}
.trust{display:flex;flex-wrap:wrap;gap:10px 24px;margin-top:32px;font-size:14px;color:#D6E8EB}
.trust span::before{content:"\2713";color:var(--amber);font-weight:700;margin-right:6px}

/* sections */
section{padding:56px 0}
.section-title{font:700 30px/1.2 var(--serif);margin:0 0 8px;letter-spacing:-.01em}
.section-lead{color:var(--muted);margin:0 0 28px;max-width:680px}
.grid{display:grid;gap:20px}
.grid-3{grid-template-columns:repeat(3,1fr)}
@media (max-width:900px){.grid-3{grid-template-columns:1fr}}
.card{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow);display:flex;flex-direction:column}
.card h3{font:700 21px/1.25 var(--serif);margin:12px 0 8px}
.card h3 a{color:var(--ink);text-decoration:none}
.card h3 a:hover{color:var(--teal-2)}
.card p{color:var(--muted);margin:0 0 16px;font-size:16px}
.card .more{margin-top:auto;font-weight:600;text-decoration:none}
.icon{width:48px;height:48px;border-radius:12px;display:grid;place-items:center}
.icon svg{width:26px;height:26px}
.tag{display:inline-block;font-size:12px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;padding:4px 10px;border-radius:999px}
.t-dental{background:#E0F3F0;color:#1E7268}.i-dental{background:#E0F3F0;color:var(--dental)}
.t-home{background:#FBE5DE;color:#B4503A}.i-home{background:#FBE5DE;color:var(--home)}
.t-money{background:#E9E7F5;color:#4F4794}.i-money{background:#E9E7F5;color:var(--money)}
.meta{font-size:14px;color:var(--muted)}
.band{background:var(--paper);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.steps{counter-reset:s;display:grid;gap:20px;grid-template-columns:repeat(3,1fr)}
@media (max-width:900px){.steps{grid-template-columns:1fr}}
.steps div{counter-increment:s;padding-left:56px;position:relative}
.steps div::before{content:counter(s);position:absolute;left:0;top:0;width:40px;height:40px;border-radius:50%;background:var(--amber-soft);color:var(--teal);font:700 18px/40px var(--serif);text-align:center}
.steps h3{margin:0 0 6px;font:700 19px/1.3 var(--serif)}
.steps p{margin:0;color:var(--muted);font-size:16px}

/* page header (hubs, static pages) */
.page-head{background:var(--paper);border-bottom:1px solid var(--line);padding:40px 0 32px}
.page-head h1{font:700 clamp(30px,4.5vw,44px)/1.15 var(--serif);margin:10px 0 12px;letter-spacing:-.02em}
.page-head p{color:var(--muted);max-width:720px;margin:0;font-size:18px}
.crumbs{font-size:14px;color:var(--muted)}
.crumbs a{color:var(--muted)}

/* article */
.layout{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:40px;padding-top:40px;padding-bottom:64px}
@media (max-width:960px){.layout{grid-template-columns:1fr}}
.prose{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:36px 40px}
@media (max-width:600px){.prose{padding:24px 18px}}
.prose h2{font:700 27px/1.25 var(--serif);margin:36px 0 12px;letter-spacing:-.01em}
.prose h3{font:700 20px/1.3 var(--serif);margin:24px 0 8px}
.prose p,.prose li{max-width:70ch}
.prose ul,.prose ol{padding-left:22px}
.prose li{margin:4px 0}
.answer{background:#EAF4F2;border-left:4px solid var(--dental);padding:18px 20px;border-radius:0 12px 12px 0;font-size:18px;margin:0 0 24px}
.table-wrap{overflow-x:auto;margin:16px 0;border:1px solid var(--line);border-radius:12px}
table{border-collapse:collapse;width:100%;font-size:15px;min-width:520px}
th{background:var(--teal);color:#fff;text-align:left;padding:12px 14px;font-weight:600}
td{padding:12px 14px;border-top:1px solid var(--line);vertical-align:top}
tr:nth-child(even) td{background:#FBF9F5}
.src{font-size:14px;color:var(--muted)}
.note{font-size:14px;color:var(--muted);border-top:1px solid var(--line);margin-top:32px;padding-top:16px}
.aside .box{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:22px;margin-bottom:20px;position:sticky;top:96px}
.aside h2{font:700 18px/1.3 var(--serif);margin:0 0 10px}
.aside ul{list-style:none;padding:0;margin:0}
.aside li{margin:6px 0}
.aside a{text-decoration:none}
.toc a{color:var(--ink);font-size:15px}
.toc a:hover{color:var(--teal-2)}
.callout{background:var(--amber-soft);border-radius:12px;padding:18px 20px;margin:20px 0}

/* footer */
.site-footer{background:#0B3A46;color:#C9DCE0;padding:48px 0 28px;font-size:15px}
.site-footer a{color:#fff;text-decoration:none}
.site-footer a:hover{text-decoration:underline}
.foot-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:28px}
@media (max-width:760px){.foot-grid{grid-template-columns:1fr 1fr}}
.foot-grid h2{font:700 16px/1.3 var(--sans);color:#fff;margin:0 0 10px}
.foot-grid ul{list-style:none;padding:0;margin:0}
.foot-grid li{margin:6px 0}
.foot-brand{display:flex;align-items:center;gap:10px;margin-bottom:12px}
.foot-brand img{width:36px;height:36px}
.foot-brand .brand-name{color:#fff}
.legal{border-top:1px solid rgba(255,255,255,.12);margin-top:32px;padding-top:18px;font-size:13px;color:#9FBAC0}
.card .tag,.page-head .tag{align-self:flex-start}
.card .icon{flex:none}
@media (max-width:480px){.btn.ghost{margin:10px 0 0}}
.chips{display:flex;flex-wrap:wrap;gap:10px}
.chip{display:inline-block;padding:9px 16px;border-radius:999px;font-weight:600;font-size:15px;text-decoration:none;border:1px solid transparent}
.c-dental{background:#E0F3F0;color:#1E7268}.c-dental:hover{border-color:#1E7268;color:#1E7268}
.c-home{background:#FBE5DE;color:#B4503A}.c-home:hover{border-color:#B4503A;color:#B4503A}
.c-money{background:#E9E7F5;color:#4F4794}.c-money:hover{border-color:#4F4794;color:#4F4794}
h2[id]{scroll-margin-top:96px}
.layout>*{min-width:0}
@media (max-width:960px){.layout{grid-template-columns:minmax(0,1fr)}}
@media (max-width:600px){table{min-width:0;font-size:14px}th,td{padding:10px}}