:root{--navy: #0b2e59;--navy-light: #1a4480;--gold: #b88a2c;--gold-light: #d4a73f;--teal: #0e6b6b;--teal-light: #167e7e;--crimson: #a61b29;--forest: #2d5a3d;--bg: #ffffff;--bg-soft: #f8f9fb;--bg-card: #ffffff;--border: #e6e9ef;--border-strong: #d1d5db;--ink: #1a1d24;--ink-soft: #4a5061;--ink-faint: #6b7280;--max-width: 1200px;--content-width: 760px;--sidebar-width: 280px;--radius: 8px;--radius-lg: 12px;--shadow-sm: 0 1px 2px rgba(0,0,0,.05);--shadow: 0 2px 8px rgba(0,0,0,.06);--shadow-lg: 0 8px 24px rgba(0,0,0,.1);--font-sans: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;--font-display: "Georgia", "Times New Roman", serif}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:var(--font-sans);font-size:16px;line-height:1.6;color:var(--ink);background:var(--bg);-webkit-font-smoothing:antialiased}a{color:var(--navy);text-decoration:underline;text-underline-offset:2px;text-decoration-thickness:1px}a:hover{color:var(--navy-light)}h1,h2,h3,h4{font-family:var(--font-display);font-weight:700;color:var(--navy);line-height:1.2;margin:1.5em 0 .5em}h1{font-size:2.25rem;margin-top:0}h2{font-size:1.5rem}h3{font-size:1.2rem;color:var(--gold)}h4{font-size:1rem;color:var(--ink-soft)}p{margin:0 0 1em}ul,ol{padding-left:1.25em;margin:0 0 1em}li{margin:.25em 0}code{font-family:ui-monospace,SFMono-Regular,Menlo,monospace;font-size:.9em;background:var(--bg-soft);padding:.1em .3em;border-radius:4px}pre{background:var(--bg-soft);border:1px solid var(--border);padding:1em;border-radius:var(--radius);overflow-x:auto}table{width:100%;border-collapse:collapse;margin:1em 0 1.5em;font-size:.95rem;display:block;overflow-x:auto;-webkit-overflow-scrolling:touch}table thead,table tbody,table tr{display:table;width:100%;table-layout:auto}@media(min-width:700px){table{display:table;overflow-x:visible}}th,td{text-align:left;padding:.6em .8em;border:1px solid var(--border)}th{background:var(--navy);color:#fff;font-weight:600}tr:nth-child(2n) td{background:var(--bg-soft)}.site-header{background:var(--navy);color:#fff;border-bottom:3px solid var(--gold);position:sticky;top:0;z-index:50}.site-header__inner{max-width:var(--max-width);margin:0 auto;padding:.75em 1.5em;display:flex;align-items:center;gap:1.5em}.site-header__brand{font-family:var(--font-display);font-weight:700;font-size:1.25rem;color:#fff;text-decoration:none;white-space:nowrap}.site-header__brand-mark{color:var(--gold-light)}.site-header__nav{display:flex;gap:1.5em;flex:1;align-items:center;flex-wrap:wrap}.site-header__nav>a,.site-header__nav>.nav-dropdown{display:inline-flex;align-items:center}.site-header__nav>a{color:#ffffffd9;text-decoration:none;font-size:.95rem;padding:.4em 0;border-bottom:2px solid transparent;transition:color .15s,border-color .15s}.site-header__nav>a:hover,.site-header__nav>a.is-active{color:#fff;border-bottom-color:var(--gold)}.site-header__menu-toggle{display:none;background:transparent;border:1px solid rgba(255,255,255,.3);color:#fff;padding:.4em .8em;border-radius:var(--radius);cursor:pointer;font-size:.9rem}@media(max-width:800px){.site-header__nav{display:none;width:100%;flex-direction:column;gap:0;background:var(--navy);border-top:1px solid rgba(255,255,255,.1);padding:.5em 0;align-items:stretch}.site-header__nav.is-open{display:flex}.site-header__nav>a{padding:.75em 1.5em;border-bottom:1px solid rgba(255,255,255,.05);border-bottom-color:#ffffff0d}.site-header__menu-toggle{display:block}.site-header__inner{flex-wrap:wrap}}.site-footer{background:var(--bg-soft);border-top:1px solid var(--border);padding:2.5em 0;margin-top:4em;color:var(--ink-soft);font-size:.9rem}.site-footer__inner{max-width:var(--max-width);margin:0 auto;padding:0 1.5em;display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:2em}.site-footer__brand{font-family:var(--font-display);font-weight:700;font-size:1.1rem;color:var(--navy)}.site-footer h4{font-family:var(--font-sans);font-size:.85rem;text-transform:uppercase;letter-spacing:.08em;color:var(--ink-soft);margin:0 0 .75em}.site-footer ul{list-style:none;padding:0;margin:0}.site-footer li{margin:.4em 0}.site-footer a{color:var(--ink-soft);text-decoration:none}.site-footer a:hover{color:var(--navy);text-decoration:underline}.site-footer__disclaimer{max-width:var(--max-width);margin:2em auto 0;padding:1.5em;background:#fff;border-top:3px solid var(--gold);font-size:.85rem;line-height:1.5}@media(max-width:700px){.site-footer__inner{grid-template-columns:1fr 1fr}}.page{max-width:var(--max-width);margin:0 auto;padding:2em 1.5em}.page--narrow{max-width:var(--content-width)}.page--with-sidebar{display:grid;grid-template-columns:var(--sidebar-width) 1fr;gap:2.5em;align-items:start}@media(max-width:900px){.page--with-sidebar{grid-template-columns:1fr}}.sidebar{position:sticky;top:5em;font-size:.92rem;border-right:1px solid var(--border);padding-right:1.5em;max-height:calc(100vh - 6em);overflow-y:auto}.sidebar h4{font-family:var(--font-sans);font-size:.78rem;text-transform:uppercase;letter-spacing:.08em;color:var(--ink-faint);margin:1.25em 0 .5em}.sidebar ul{list-style:none;padding:0;margin:0}.sidebar a{display:block;padding:.3em .5em;color:var(--ink-soft);text-decoration:none;border-left:2px solid transparent;border-radius:0 4px 4px 0}.sidebar a:hover{color:var(--navy);background:var(--bg-soft)}.sidebar a.is-active{color:var(--navy);font-weight:600;border-left-color:var(--gold);background:var(--bg-soft)}@media(max-width:900px){.sidebar{display:none}}.callout{border-left:4px solid;border-radius:4px;padding:1em 1.25em;margin:1.25em 0;font-size:.95rem}.callout__label{font-family:var(--font-sans);font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.1em;display:block;margin-bottom:.4em}.callout--protip{background:#fff8e1;border-left-color:var(--gold)}.callout--protip .callout__label{color:var(--gold)}.callout--key{background:#e6f4f4;border-left-color:var(--teal)}.callout--key .callout__label{color:var(--teal)}.callout--strategy{background:#e8f2ec;border-left-color:var(--forest)}.callout--strategy .callout__label{color:var(--forest)}.callout--deadline{background:#fbe9ec;border-left-color:var(--crimson)}.callout--deadline .callout__label{color:var(--crimson)}.card-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:1.5em;margin:1.5em 0}.card{background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius-lg);padding:1.5em;transition:transform .15s,box-shadow .15s,border-color .15s;text-decoration:none;color:inherit;display:block}.card:hover{transform:translateY(-2px);box-shadow:var(--shadow-lg);border-color:var(--gold)}.card__icon{font-size:1.5rem;margin-bottom:.5em;display:block}.card__title{font-family:var(--font-display);font-weight:700;font-size:1.1rem;color:var(--navy);margin:0 0 .5em}.card__desc{color:var(--ink-soft);font-size:.95rem;margin:0}.btn{display:inline-block;padding:.7em 1.4em;background:var(--navy);color:#fff;text-decoration:none;border-radius:var(--radius);font-weight:600;font-size:1rem;border:2px solid var(--navy);cursor:pointer;transition:background .15s,transform .15s}.btn:hover{background:var(--navy-light);color:#fff;transform:translateY(-1px)}.btn--gold{background:var(--gold);border-color:var(--gold)}.btn--gold:hover{background:var(--gold-light);border-color:var(--gold-light);color:#fff}.btn--ghost{background:transparent;color:var(--navy)}.btn--ghost:hover{background:var(--navy);color:#fff}.btn--sm{padding:.4em .9em;font-size:.9rem}.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-light) 100%);color:#fff;padding:4em 1.5em 5em;border-bottom:4px solid var(--gold)}.hero__inner{max-width:var(--max-width);margin:0 auto;text-align:center}.hero__eyebrow{font-family:var(--font-sans);font-size:.85rem;letter-spacing:.15em;text-transform:uppercase;color:var(--gold-light);margin:0 0 1em;font-weight:600}.hero__title{font-family:var(--font-display);font-size:3rem;font-weight:700;color:#fff;margin:0 0 .5em;line-height:1.1}.hero__subtitle{font-size:1.2rem;color:#ffffffd9;max-width:38em;margin:0 auto 2em;line-height:1.5}.hero__cta-row{display:flex;gap:1em;justify-content:center;flex-wrap:wrap}.hero__cta-row .btn{padding:1em 2em;font-size:1.05rem}@media(max-width:700px){.hero{padding:2.5em 1.5em 3em}.hero__title{font-size:2rem}.hero__subtitle{font-size:1.05rem}}.section{padding:3em 1.5em}.section__inner{max-width:var(--max-width);margin:0 auto}.section__title{font-family:var(--font-display);font-size:1.75rem;text-align:center;margin:0 0 .5em;color:var(--navy)}.section__lede{text-align:center;max-width:40em;margin:0 auto 2em;color:var(--ink-soft);font-size:1.05rem}.section--soft{background:var(--bg-soft)}.disclaimer-modal{position:fixed;inset:0;background:#0b2e59d9;display:none;align-items:center;justify-content:center;z-index:100;padding:1.5em}.disclaimer-modal.is-open{display:flex}.disclaimer-modal__inner{background:#fff;border-radius:var(--radius-lg);max-width:540px;width:100%;padding:2em;border-top:6px solid var(--gold);max-height:90vh;overflow-y:auto}.disclaimer-modal h2{margin-top:0;color:var(--navy)}.disclaimer-modal p{font-size:.95rem}.field{display:flex;flex-direction:column;gap:.3em;margin:.75em 0}.field label{font-weight:600;font-size:.9rem;color:var(--ink-soft)}.field input[type=text],.field input[type=number],.field input[type=date],.field select,.field textarea{font-family:var(--font-sans);font-size:1rem;padding:.6em .8em;border:1px solid var(--border-strong);border-radius:var(--radius);background:#fff;color:var(--ink)}.field input:focus,.field select:focus,.field textarea:focus{outline:2px solid var(--gold);outline-offset:-1px;border-color:var(--gold)}.field textarea{min-height:120px;resize:vertical}.calc-row{display:flex;flex-direction:column;gap:.5em;margin-bottom:.75em;padding:.75em;background:var(--bg-soft);border-radius:var(--radius);border:1px solid var(--border)}.calc-row__header{display:flex;justify-content:space-between;align-items:flex-start;gap:.75em}.calc-row__title{flex:1;min-width:0}.calc-row__name{font-weight:600;color:var(--navy);word-wrap:break-word;hyphens:auto}.calc-row__remove{background:transparent;border:1px solid transparent;color:var(--crimson);cursor:pointer;font-size:1.1rem;width:2.2em;height:2.2em;min-width:44px;min-height:44px;border-radius:4px;display:flex;align-items:center;justify-content:center;flex-shrink:0}.calc-row__remove:hover{background:#fbe9ec;border-color:var(--crimson)}.calc-row__controls{display:flex;gap:1em;align-items:center;flex-wrap:wrap}.calc-row__rating{display:flex;flex-direction:column;gap:.2em;flex:1;min-width:120px}.calc-row__rating select{width:100%}.calc-row__label{font-size:.75rem;font-weight:600;text-transform:uppercase;letter-spacing:.05em;color:var(--ink-faint)}.calc-row__bilateral{display:flex;align-items:center;gap:.4em;white-space:nowrap;font-size:.92rem;cursor:pointer;padding:.5em .6em;border-radius:4px;min-height:44px}.calc-row__bilateral input{width:1.2em;height:1.2em;cursor:pointer}.tool{display:grid;grid-template-columns:1fr 1fr;gap:2em;margin:2em 0}.tool__input,.tool__output{background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius-lg);padding:1.5em}.tool__output{background:var(--bg-soft)}@media(max-width:800px){.tool{grid-template-columns:1fr}}.badge{display:inline-block;padding:.15em .6em;border-radius:999px;font-size:.75rem;font-weight:600;letter-spacing:.03em;background:var(--bg-soft);color:var(--ink-soft);border:1px solid var(--border-strong)}.badge--gold{background:var(--gold);color:#fff;border-color:var(--gold)}.badge--teal{background:var(--teal);color:#fff;border-color:var(--teal)}.badge--crimson{background:var(--crimson);color:#fff;border-color:var(--crimson)}.badge--forest{background:var(--forest);color:#fff;border-color:var(--forest)}@media print{.site-header,.site-footer,.disclaimer-modal,.cart-widget,.share-btn{display:none!important}body{background:#fff;color:#000;font-size:11pt}.page{max-width:none;padding:0}.page--with-sidebar{grid-template-columns:1fr}.sidebar{display:none}a{color:#000;text-decoration:none}a[href^=http]:after{content:" (" attr(href) ")";font-size:.85em;color:#555}a[href^="/"]:after{content:" (claims-hub.pages.dev" attr(href) ")";font-size:.85em;color:#555}.callout{page-break-inside:avoid}h1,h2,h3{page-break-after:avoid}table{page-break-inside:avoid}.btn{display:none}details{open:true}details>summary::-webkit-details-marker{display:none}details{display:block!important}details>div{display:block!important}}.skip-link{position:absolute;top:-100px;left:.5em;background:var(--navy);color:#fff;padding:.8em 1.4em;border-radius:var(--radius);text-decoration:none;font-weight:600;z-index:200;transition:top .2s}.skip-link:focus{top:.5em;color:#fff;outline:3px solid var(--gold);outline-offset:2px}main:focus{outline:none}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:2px solid var(--gold);outline-offset:2px}.back-to-top{position:fixed;bottom:5.5em;right:1.5em;width:2.75em;height:2.75em;border-radius:50%;background:var(--navy);color:#fff;border:0;cursor:pointer;font-size:1.2rem;font-weight:700;box-shadow:0 4px 12px #0003;opacity:0;pointer-events:none;transition:opacity .2s,transform .2s;z-index:55}.back-to-top.is-visible{opacity:1;pointer-events:auto}.back-to-top:hover{background:var(--navy-light);transform:translateY(-2px)}@media(max-width:600px){.back-to-top{right:1em;bottom:5em;width:2.5em;height:2.5em}}@media print{.back-to-top,.skip-link{display:none!important}}.muted{color:var(--ink-faint)}.small{font-size:.88rem}.center{text-align:center}.mt-0{margin-top:0}.mt-2{margin-top:2em}.mb-0{margin-bottom:0}.picker-overlay{position:fixed;inset:0;background:#00000080;z-index:80;display:none;align-items:flex-start;justify-content:center;padding:5vh 1em}.picker-overlay.is-open{display:flex}.search-wrap{position:relative}.search-wrap input{width:100%;padding:.8em 2.5em .8em 1em;font-size:1rem;border:1px solid var(--border-strong);border-radius:var(--radius);font-family:var(--font-sans);background:#fff}.search-wrap input:focus{outline:2px solid var(--gold);outline-offset:-1px;border-color:var(--gold)}.search-wrap__clear{position:absolute;right:.5em;top:50%;transform:translateY(-50%);background:var(--ink-faint);color:#fff;border:0;border-radius:50%;width:1.5em;height:1.5em;cursor:pointer;font-size:.9rem;line-height:1;display:none;align-items:center;justify-content:center;padding:0}.search-wrap input:not(:placeholder-shown)~.search-wrap__clear{display:flex}.search-wrap__clear:hover{background:var(--crimson)}.nav-dropdown[data-astro-cid-3ef6ksr2]{position:relative;display:inline-flex}.nav-dropdown__trigger[data-astro-cid-3ef6ksr2]{background:transparent;border:0;color:#ffffffd9;font:inherit;font-size:.95rem;cursor:pointer;padding:.4em 0;border-bottom:2px solid transparent;transition:color .15s,border-color .15s;display:inline-flex;align-items:center;gap:.25em}.nav-dropdown__trigger[data-astro-cid-3ef6ksr2]:hover,.nav-dropdown__trigger[data-astro-cid-3ef6ksr2]:focus,.nav-dropdown__trigger[data-astro-cid-3ef6ksr2].is-active{color:#fff;border-bottom-color:var(--gold)}.nav-dropdown__chev[data-astro-cid-3ef6ksr2]{font-size:.7em;transition:transform .15s}.nav-dropdown[data-astro-cid-3ef6ksr2].is-open .nav-dropdown__chev[data-astro-cid-3ef6ksr2]{transform:rotate(180deg)}.nav-dropdown__panel[data-astro-cid-3ef6ksr2]{position:absolute;top:calc(100% + .5em);left:0;min-width:240px;background:#fff;border:1px solid var(--border);border-top:3px solid var(--gold);border-radius:0 0 var(--radius) var(--radius);box-shadow:0 8px 24px #00000026;padding:.4em 0;display:none;z-index:60}.nav-dropdown[data-astro-cid-3ef6ksr2].is-open .nav-dropdown__panel[data-astro-cid-3ef6ksr2]{display:block}.nav-dropdown__item[data-astro-cid-3ef6ksr2]{display:block;padding:.6em 1.2em;color:var(--ink);text-decoration:none;font-size:.95rem;border-left:3px solid transparent}.nav-dropdown__item[data-astro-cid-3ef6ksr2]:hover,.nav-dropdown__item[data-astro-cid-3ef6ksr2]:focus{background:var(--bg-soft);color:var(--navy);border-left-color:var(--gold)}.nav-dropdown__item[data-astro-cid-3ef6ksr2].is-active{background:var(--bg-soft);color:var(--navy);font-weight:600;border-left-color:var(--gold)}@media(max-width:800px){.nav-dropdown[data-astro-cid-3ef6ksr2],.nav-dropdown__trigger[data-astro-cid-3ef6ksr2]{display:flex;width:100%}.nav-dropdown__trigger[data-astro-cid-3ef6ksr2]{padding:.75em 1.5em;border-bottom:1px solid rgba(255,255,255,.05);justify-content:space-between}.nav-dropdown__panel[data-astro-cid-3ef6ksr2]{position:static;background:#0003;border:0;border-radius:0;box-shadow:none;padding:0}.nav-dropdown__item[data-astro-cid-3ef6ksr2]{padding:.6em 2.5em;color:#ffffffd9;border-left:0}.nav-dropdown__item[data-astro-cid-3ef6ksr2].is-active,.nav-dropdown__item[data-astro-cid-3ef6ksr2]:hover{background:#0000004d;color:#fff;font-weight:600}}.site-header__nav[data-astro-cid-3ef6ksr2]>a[data-astro-cid-3ef6ksr2][href="/start"]{background:#b88a2c26;padding:.4em .9em;border-radius:4px;border:1px solid rgba(184,138,44,.4);color:#fff}.site-header__nav[data-astro-cid-3ef6ksr2]>a[data-astro-cid-3ef6ksr2][href="/start"].is-active{background:var(--gold);border-color:var(--gold);color:#fff}@media(max-width:800px){.site-header__nav[data-astro-cid-3ef6ksr2]>a[data-astro-cid-3ef6ksr2][href="/start"]{border-radius:0;border:0;background:#b88a2c26}}.cart-widget[data-astro-cid-oobm5v56]{position:fixed;bottom:1.5em;right:1.5em;z-index:60}.cart-widget__toggle[data-astro-cid-oobm5v56]{background:var(--gold);color:#fff;border:0;border-radius:999px;padding:.75em 1.25em;font-size:1rem;font-weight:600;cursor:pointer;box-shadow:0 4px 12px #0003;display:flex;align-items:center;gap:.4em}.cart-widget__toggle[data-astro-cid-oobm5v56]:hover{background:var(--gold-light)}.cart-widget__toggle[data-astro-cid-oobm5v56].just-added{animation:cart-pulse .6s ease-out}@keyframes cart-pulse{0%{transform:scale(1);box-shadow:0 4px 12px #0003}30%{transform:scale(1.15);box-shadow:0 6px 20px #b88a2c8c}to{transform:scale(1);box-shadow:0 4px 12px #0003}}.cart-widget__count[data-astro-cid-oobm5v56]{background:#fff;color:var(--gold);border-radius:999px;padding:.1em .5em;font-size:.85rem;font-weight:700;min-width:1.5em;text-align:center}.cart-widget__panel[data-astro-cid-oobm5v56]{position:absolute;bottom:4em;right:0;width:360px;max-width:calc(100vw - 3em);background:#fff;border-radius:var(--radius-lg);border:1px solid var(--border);box-shadow:0 8px 32px #0000002e;display:none;flex-direction:column;max-height:70vh}.cart-widget__panel[data-astro-cid-oobm5v56].is-open{display:flex}.cart-widget__header[data-astro-cid-oobm5v56]{padding:1em 1.25em;border-bottom:1px solid var(--border);display:flex;align-items:center;justify-content:space-between}.cart-widget__header[data-astro-cid-oobm5v56] h4[data-astro-cid-oobm5v56]{margin:0;color:var(--navy);font-family:var(--font-display)}.cart-widget__close[data-astro-cid-oobm5v56]{background:transparent;border:0;cursor:pointer;font-size:1.1rem;color:var(--ink-faint)}.cart-widget__body[data-astro-cid-oobm5v56]{padding:1em 1.25em;overflow-y:auto;flex:1}.cart-widget__footer[data-astro-cid-oobm5v56]{padding:.75em 1em;border-top:1px solid var(--border);display:flex;gap:.5em;justify-content:flex-end;flex-wrap:wrap}.cart-widget__item[data-astro-cid-oobm5v56]{padding:.6em 0;border-bottom:1px solid var(--border)}.cart-widget__item[data-astro-cid-oobm5v56]:last-child{border-bottom:0}.cart-widget__item-name[data-astro-cid-oobm5v56]{font-weight:600;color:var(--navy);font-size:.95rem}.cart-widget__item-meta[data-astro-cid-oobm5v56]{font-size:.85rem;color:var(--ink-soft);margin-top:.2em}.cart-widget__item-remove[data-astro-cid-oobm5v56]{background:transparent;border:0;color:var(--crimson);cursor:pointer;font-size:.85rem;padding:0;margin-left:.5em}@media(max-width:600px){.cart-widget[data-astro-cid-oobm5v56]{bottom:1em;right:1em}.cart-widget__panel[data-astro-cid-oobm5v56]{width:calc(100vw - 2em);right:0}}@media print{.cart-widget[data-astro-cid-oobm5v56]{display:none}}