/* ---------- brand typeface ----------
   Inter, SELF-HOSTED. Not loaded from Google Fonts: this site collects
   health-adjacent information, and a runtime font request would disclose the
   visitor's IP and the page they are on to a third party for no benefit.

   This is the VARIABLE font (one file, weight axis 100-900), which is why a
   single 48 KB request covers both the 400 body weight and the 600 used for
   headings and the nav. Do not "optimise" it into two static files - that is
   two requests and two preloads for more bytes.

   font-display:swap - text paints immediately in the fallback and reflows when
   Inter lands. The alternative (block) shows nothing at all for up to 3s.

   Licence: SIL Open Font License 1.1, see assets/inter-LICENSE.txt.
   Brand guide v1.1 is explicit that fonts must not be substituted; before this
   was added, every Windows visitor was reading the site in Arial. */
@font-face{
  font-family:"Inter";
  font-style:normal;
  font-weight:100 900;
  font-display:swap;
  src:url("/assets/inter-latin-var.woff2") format("woff2");
  unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD;
}

/* MAXIVITA INSURANCE — brand system
   Core palette locked to brand-guidelines.md: #121212 / #C9A24D / #FFFFFF
   Gold is muted champagne. Never brighten it. */

:root{
  --ink:#121212;
  --gold:#C9A24D;
  --gold-deep:#8F6F2C;   /* 4.5:1 on white — see audit round two */
  --gold-wash:#F6F0E2;
  --white:#FFFFFF;
  --panel:#1A1A1A;
  --panel-2:#232323;
  --paper:#FBFAF8;
  --rule:#E4E0D8;
  --rule-dark:#2E2E2E;
  --body:#3A3A3A;
  --muted:#6B6B6B;
  --muted-dark:#9A9A9A;
  --serif:"Georgia","Iowan Old Style","Times New Roman",serif;
  --sans:"Inter","Helvetica Neue",Helvetica,Arial,sans-serif;
  --maxw:1180px;
  --pad:clamp(20px,5vw,48px);
}

*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{
  margin:0;background:var(--paper);color:var(--body);
  font-family:var(--sans);font-size:17px;line-height:1.65;
  -webkit-font-smoothing:antialiased;
}
img,svg{max-width:100%}
a{color:var(--ink);text-decoration-color:var(--gold);text-underline-offset:3px}
a:hover{color:var(--gold-deep)}

h1,h2,h3,h4{font-family:var(--serif);color:var(--ink);line-height:1.15;margin:0 0 .5em;font-weight:600;letter-spacing:-.01em}
h1{font-size:clamp(34px,5.4vw,58px)}
h2{font-size:clamp(26px,3.4vw,38px)}
h3{font-size:clamp(20px,2.2vw,24px)}
h4{font-size:18px;font-family:var(--sans);font-weight:700;letter-spacing:.01em}
p{margin:0 0 1.1em}
.lede{font-size:clamp(18px,2vw,21px);line-height:1.6;color:#4A4A4A}
/* Hero subhead: carries the searchable product + place terms directly under the
   h1 without competing with it typographically. */
.subhead{font-size:clamp(16px,1.7vw,18.5px);line-height:1.55;color:#BFBFBF;max-width:54ch;margin:0 0 6px}

.wrap{max-width:var(--maxw);margin:0 auto;padding-inline:var(--pad)}
.narrow{max-width:760px}
section{padding:clamp(56px,7vw,96px) 0}
.eyebrow{
  font-family:var(--sans);font-size:12px;font-weight:700;letter-spacing:.16em;
  text-transform:uppercase;color:var(--gold-deep);margin:0 0 14px;display:block;
}
.dark .eyebrow{color:var(--gold)}

/* ---------- header ---------- */
.masthead{background:var(--ink);position:sticky;top:0;z-index:60;border-bottom:1px solid var(--rule-dark)}
.masthead .wrap{display:flex;align-items:center;gap:24px;min-height:74px}
.brand{display:flex;align-items:center;gap:13px;text-decoration:none;flex:0 0 auto}
.brand .mark{color:var(--gold);width:26px;display:block}
.brand .wm{color:var(--white);width:132px;display:block}
.brand .sub{
  display:block;font-size:9px;letter-spacing:.22em;text-transform:uppercase;
  color:var(--gold);margin-top:5px;font-weight:600;
}
.navtoggle{
  margin-left:auto;background:none;border:1px solid var(--rule-dark);color:var(--white);
  width:44px;height:40px;border-radius:4px;display:grid;place-items:center;cursor:pointer;
}
.navtoggle svg{width:20px;height:20px}
nav.mainnav{margin-left:auto;display:flex;align-items:center;gap:22px;flex-wrap:nowrap}
nav.mainnav a{
  color:#D8D8D8;text-decoration:none;font-size:14.5px;font-weight:500;letter-spacing:.01em;
  padding:6px 0;border-bottom:2px solid transparent;
}
nav.mainnav a:hover{color:var(--white);border-bottom-color:var(--gold)}
nav.mainnav a[aria-current="page"]{color:var(--white);border-bottom-color:var(--gold)}
nav.mainnav .btn{border-bottom:none;flex:0 0 auto;white-space:nowrap;padding:11px 20px;font-size:14px}
nav.mainnav a{flex:0 0 auto;white-space:nowrap}
@media(max-width:940px){
  nav.mainnav{
    position:fixed;inset:74px 0 auto 0;background:var(--ink);flex-direction:column;
    align-items:stretch;gap:0;padding:10px var(--pad) 26px;border-bottom:1px solid var(--rule-dark);
    display:none;max-height:calc(100vh - 74px);overflow:auto;
  }
  nav.mainnav.open{display:flex}
  nav.mainnav a{padding:14px 0;border-bottom:1px solid var(--rule-dark);font-size:16px}
  nav.mainnav .btn{margin-top:18px;text-align:center}
}
@media(min-width:941px){.navtoggle{display:none}}

/* ---------- buttons ---------- */
.btn{
  display:inline-block;background:var(--gold);color:var(--ink);text-decoration:none;
  font-family:var(--sans);font-weight:700;font-size:15px;letter-spacing:.02em;
  padding:14px 26px;border:1px solid var(--gold);border-radius:3px;cursor:pointer;
  transition:background .15s ease,color .15s ease;
}
.btn:hover{background:var(--gold-deep);border-color:var(--gold-deep);color:var(--ink)}
.btn-ghost{background:transparent;color:var(--ink);border-color:var(--ink)}
.btn-ghost:hover{background:var(--ink);color:var(--white);border-color:var(--ink)}
/* .hero and .band are dark surfaces too, but are not tagged .dark — without
   them listed here the ghost button renders black-on-black and disappears. */
.dark .btn-ghost,.hero .btn-ghost,.band .btn-ghost{color:var(--white);border-color:#5E5E5E}
.dark .btn-ghost:hover,.hero .btn-ghost:hover,.band .btn-ghost:hover{
  background:var(--white);color:var(--ink);border-color:var(--white)}
.btn-lg{padding:17px 34px;font-size:16px}
.btnrow{display:flex;flex-wrap:wrap;gap:14px;align-items:center;margin-top:28px}

/* ---------- hero ---------- */
.hero{background:var(--ink);color:#D5D5D5;padding:clamp(64px,9vw,120px) 0 clamp(56px,7vw,96px);position:relative;overflow:hidden}
.hero::after{
  content:"";position:absolute;right:-14%;top:-30%;width:60%;aspect-ratio:1;
  background:radial-gradient(circle,rgba(201,162,77,.13),transparent 62%);pointer-events:none;
}
.hero h1{color:var(--white);max-width:16ch}
.hero .lede{color:#BFBFBF;max-width:56ch}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:clamp(32px,5vw,64px);align-items:center;position:relative;z-index:1}
@media(max-width:900px){.hero-grid{grid-template-columns:1fr}}
.rule-gold{width:64px;height:3px;background:var(--gold);border:0;margin:0 0 28px}

/* ---------- breadcrumbs ----------
   The VISIBLE trail that the BreadcrumbList JSON-LD describes. Emitting the
   markup without this would be a schema/page mismatch. Sits on the ink hero
   background, so the colours are the dark-surface pair. */
.crumbs{background:var(--ink);padding:14px 0 0;font-size:13px;color:#8A8A8A}
.crumbs a{color:#BFBFBF;text-decoration:none}
.crumbs a:hover{color:var(--gold);text-decoration:underline}
.crumbs .sep{margin:0 9px;color:#5A5A5A}
.crumbs [aria-current="page"]{color:var(--gold)}

/* ---------- coverage cross-links ---------- */
.compare{list-style:none;padding:0;margin:0}
.compare li{padding:14px 0;border-bottom:1px solid var(--rule)}
.compare li:last-child{border-bottom:0}
/* Keep the house link treatment: ink text with a GOLD underline (see the base
   `a` rule). Setting text-decoration:none here made the product names read as
   plain bold text rather than links. */
.compare a:hover{color:var(--gold-deep)}

/* ---------- surfaces ---------- */
.dark{background:var(--ink);color:#CFCFCF}
.dark h1,.dark h2,.dark h3{color:var(--white)}
.dark .lede{color:#BFBFBF}
.dark a{color:var(--white);text-decoration-color:var(--gold)}
.wash{background:var(--gold-wash)}
.paper{background:var(--white)}

/* ---------- grids & cards ---------- */
.grid{display:grid;gap:clamp(18px,2.4vw,28px)}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
@media(max-width:900px){.g3,.g4{grid-template-columns:repeat(2,1fr)}}
@media(max-width:620px){.g2,.g3,.g4{grid-template-columns:1fr}}

.card{
  background:var(--white);border:1px solid var(--rule);border-radius:5px;
  padding:clamp(22px,2.6vw,30px);
}
.card h3{margin-bottom:.4em}
.card p:last-child{margin-bottom:0}
.card .num{
  font-family:var(--serif);font-size:15px;color:var(--gold-deep);font-weight:700;
  display:block;margin-bottom:10px;letter-spacing:.06em;
}
.dark .card{background:var(--panel);border-color:var(--rule-dark)}
.card-link{display:block;text-decoration:none;transition:border-color .15s ease,transform .15s ease}
.card-link:hover{border-color:var(--gold);transform:translateY(-2px)}
.card-link .more{
  display:inline-block;margin-top:14px;color:var(--gold-deep);font-weight:700;
  font-size:14px;letter-spacing:.02em;
}

.pillar{border-top:3px solid var(--gold);padding-top:20px}
.pillar h3{font-family:var(--sans);font-size:17px;font-weight:700}

/* ---------- steps ---------- */
ol.steps{list-style:none;counter-reset:s;margin:0;padding:0;display:grid;gap:26px}
ol.steps li{counter-increment:s;display:grid;grid-template-columns:52px 1fr;gap:20px;align-items:start}
ol.steps li::before{
  content:counter(s,decimal-leading-zero);font-family:var(--serif);font-size:20px;
  color:var(--gold-deep);border:1px solid var(--gold);border-radius:50%;
  width:46px;height:46px;display:grid;place-items:center;font-weight:600;
}
.dark ol.steps li::before{color:var(--gold)}
ol.steps h3{font-family:var(--sans);font-size:18px;font-weight:700;margin-bottom:.25em}
ol.steps p{margin-bottom:0;font-size:16px}

/* ---------- forms ---------- */
.formcard{
  background:var(--white);border:1px solid var(--rule);border-top:4px solid var(--gold);
  border-radius:5px;padding:clamp(24px,3vw,36px);
}
.field{margin-bottom:18px}
.field label{display:block;font-size:14px;font-weight:600;color:var(--ink);margin-bottom:7px}
.field .hint{font-size:13px;color:var(--muted);font-weight:400;margin-top:5px;display:block}
.field input,.field select,.field textarea{
  width:100%;font:inherit;font-size:16px;color:var(--ink);background:var(--white);
  border:1px solid #C9C4B9;border-radius:3px;padding:12px 13px;
}
.field input:focus,.field select:focus,.field textarea:focus{
  outline:2px solid var(--gold);outline-offset:0;border-color:var(--gold);
}
.field input[aria-invalid="true"],.field select[aria-invalid="true"]{border-color:#B3261E}
.err{color:#B3261E;font-size:13px;margin-top:6px;display:none}
.err.show{display:block}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media(max-width:560px){.row2{grid-template-columns:1fr}}

.consent{
  background:#FAF8F3;border:1px solid var(--rule);border-radius:4px;
  padding:16px 18px;margin:22px 0 18px;
}
.consent label{display:grid;grid-template-columns:22px 1fr;gap:12px;align-items:start;cursor:pointer}
.consent input[type=checkbox]{width:20px;height:20px;margin:2px 0 0;accent-color:var(--gold-deep)}
.consent .txt{font-size:13px;line-height:1.55;color:#4A4A4A;font-weight:400}
.consent .txt strong{color:var(--ink)}
.consent:has(input[aria-invalid="true"]){border-color:#B3261E;background:#FDF3F2}
.formnote{font-size:12.5px;line-height:1.55;color:var(--muted);margin:14px 0 0}

.formstatus{display:none;border-radius:4px;padding:14px 16px;margin-bottom:18px;font-size:15px}
.formstatus.show{display:block}
.formstatus.ok{background:#EAF3EA;border:1px solid #B7D6B7;color:#1E4620}
.formstatus.bad{background:#FBEAE8;border:1px solid #E6BDB8;color:#8C1D18}

/* ---------- disclosure blocks ---------- */
.disclosure{
  border-left:3px solid var(--gold);background:#FAF8F3;padding:16px 20px;
  font-size:13.5px;line-height:1.6;color:#4A4A4A;margin:26px 0;border-radius:0 4px 4px 0;
}
.disclosure p:last-child{margin-bottom:0}
.disclosure strong{color:var(--ink)}
.dark .disclosure{background:var(--panel);color:#B0B0B0}
.callout{border:1px solid var(--gold);background:var(--gold-wash);padding:20px 24px;border-radius:4px;margin:26px 0}
.callout p:last-child{margin-bottom:0}
.todo{border-left:3px solid #B3261E;background:#FBEAE8;padding:14px 18px;font-size:14px;margin:22px 0;border-radius:0 4px 4px 0}

/* ---------- FAQ ---------- */
details.faq{border-bottom:1px solid var(--rule);padding:4px 0}
details.faq summary{
  cursor:pointer;list-style:none;padding:20px 40px 20px 0;position:relative;
  font-family:var(--serif);font-size:19px;color:var(--ink);font-weight:600;
}
details.faq summary::-webkit-details-marker{display:none}
details.faq summary::after{
  content:"+";position:absolute;right:6px;top:50%;transform:translateY(-50%);
  color:var(--gold-deep);font-size:24px;font-family:var(--sans);line-height:1;
}
details.faq[open] summary::after{content:"–"}
details.faq .ans{padding:0 0 22px;font-size:16px}
details.faq .ans p:last-child{margin-bottom:0}

/* ---------- legal pages ---------- */
.legal{font-size:16px}
.legal h2{font-size:24px;margin-top:2em}
.legal h3{font-size:19px;font-family:var(--sans);font-weight:700;margin-top:1.6em}
.legal ul,.legal ol{padding-left:22px}
.legal li{margin-bottom:.5em}
.legal table{width:100%;border-collapse:collapse;margin:1.2em 0;font-size:15px}
.legal th,.legal td{border:1px solid var(--rule);padding:10px 12px;text-align:left;vertical-align:top}
.legal th{background:var(--gold-wash);font-family:var(--sans);font-size:13px;letter-spacing:.03em;text-transform:uppercase}
.updated{font-size:13px;color:var(--muted);border-bottom:1px solid var(--rule);padding-bottom:16px;margin-bottom:28px}

/* ---------- CTA band ---------- */
.band{background:var(--ink);color:#CFCFCF;text-align:center}
.band h2{color:var(--white);max-width:20ch;margin-inline:auto}
.band .lede{max-width:52ch;margin-inline:auto}
.band .btnrow{justify-content:center}

/* ---------- footer ---------- */
footer.site{background:var(--ink);color:#9A9A9A;font-size:14px;padding-top:clamp(48px,6vw,72px)}
footer.site a{color:#D0D0D0;text-decoration:none}
footer.site a:hover{color:var(--gold)}
.foot-top{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:36px;padding-bottom:40px}
@media(max-width:900px){.foot-top{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.foot-top{grid-template-columns:1fr}}
.foot-top h4{color:var(--white);font-size:12px;letter-spacing:.14em;text-transform:uppercase;margin-bottom:14px}
.foot-top ul{list-style:none;margin:0;padding:0}
.foot-top li{margin-bottom:9px}
.foot-brand .wm{color:var(--white);width:150px;display:block;margin-bottom:8px}
.foot-brand .tag{font-size:9px;letter-spacing:.22em;text-transform:uppercase;color:var(--gold);font-weight:600}
.foot-brand address{font-style:normal;margin-top:18px;line-height:1.7}
.legalzone{border-top:1px solid var(--rule-dark);padding:28px 0 40px;font-size:12.5px;line-height:1.65;color:#8A8A8A}
.legalzone p{margin:0 0 12px;max-width:none}
.legalzone strong{color:#C4C4C4}
.legalzone .fine{color:#767676;font-size:12px}
.foot-bottom{border-top:1px solid var(--rule-dark);padding:18px 0 34px;display:flex;flex-wrap:wrap;gap:8px 22px;font-size:12.5px;color:#767676}
.foot-bottom .sep{margin-left:auto}

.skip{position:absolute;left:-9999px}
.skip:focus{left:12px;top:12px;position:fixed;background:var(--gold);color:var(--ink);padding:10px 16px;z-index:99;border-radius:3px}

@media print{.masthead,footer.site .foot-top,.band{display:none}}


/* ---- two-step quote form (audit round two) ---- */
.stepmeta{
  font-size:13px;color:var(--muted);margin:-6px 0 20px;
  letter-spacing:.01em;
}
.stepmeta [data-step-label]{color:var(--ink);font-weight:600}
.btn-back{
  display:block;width:100%;margin-top:12px;padding:10px;
  background:none;border:0;color:var(--muted);font:inherit;font-size:14px;
  cursor:pointer;text-align:center;
}
.btn-back:hover{color:var(--ink);text-decoration:underline}
.btn-back:focus-visible{outline:2px solid var(--gold-deep);outline-offset:2px}

/* ---- entity page spec table (audit round two) ---- */
table.spec{width:100%;border-collapse:collapse;margin:1.2em 0;font-size:15px}
table.spec th,table.spec td{
  text-align:left;padding:10px 0;border-bottom:1px solid var(--rule);vertical-align:top;
}
table.spec th{width:42%;font-weight:600;color:var(--ink)}
table.spec tr:last-child th,table.spec tr:last-child td{border-bottom:0}
@media(max-width:480px){
  table.spec th{width:50%}
}