:root{--bg:#f4f1ea;--surface:#fff;--surface2:#faf7f1;--offset:#efe9dd;--text:#201d16;--muted:#5b574c;--faint:#8b8578;--inverse:#f7f4ee;--primary:#0b5b60;--primary-dk:#084247;--primary-hi:#dcebe8;--primary-hi2:#cbe2dd;--gold:#c0892e;--accent-hi:#f4e8cd;--success:#3e7a2e;--success-bg:#e7efd9;--warn:#9a6410;--warn-bg:#f7ecd6;--warn-bd:#e3c07f;--line:rgba(32,29,22,.11);--line-2:rgba(32,29,22,.16);--r-sm:10px;--r-lg:16px;--r-xl:22px;--r-2xl:30px;--sh-sm:0 1px 2px rgba(31,28,22,.06),0 1px 3px rgba(31,28,22,.04);--sh:0 6px 16px -4px rgba(31,28,22,.1),0 2px 6px -2px rgba(31,28,22,.06);--sh-lg:0 28px 56px -16px rgba(11,60,58,.2),0 8px 20px -8px rgba(31,28,22,.1);--maxw:1120px;--font-sans:"Inter",-apple-system,BlinkMacSystemFont,"SF Pro Text","Segoe UI",Roboto,system-ui,sans-serif;--font-display:"Fraunces",Georgia,"Times New Roman",serif}*{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}body{background:radial-gradient(1200px 600px at 80% 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0}strong{font-weight:700}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-family:var(--font-sans);font-weight:650;font-size:1.02rem;letter-spacing:-.01em;border-radius:999px;padding:13px 26px;min-height:52px;cursor:pointer;border:1px solid transparent;transition:transform .12s ease,box-shadow .18s ease,background .18s ease,border-color .18s ease}.btn:hover{text-decoration:none}.btn-primary{background:linear-gradient(180deg,#0d6a6f,var(--primary));color:#fff;box-shadow:0 6px 16px -6px rgba(11,91,96,.55),inset 0 1px 0 hsla(0,0%,100%,.12)}.btn-primary:hover{background:linear-gradient(180deg,#0b5f64,var(--primary-dk));transform:translateY(-1px);box-shadow:0 10px 22px -6px rgba(11,91,96,.55)}.btn-secondary{background:var(--surface);color:var(--text);border-color:var(--line-2);box-shadow:var(--sh-sm)}.btn-secondary:hover{border-color:var(--primary);color:var(--primary-dk);transform:translateY(-1px)}.btn-sm{padding:9px 18px;min-height:42px;font-size:.94rem}.hdr{position:-webkit-sticky;position:sticky;top:0;z-index:50;background:color-mix(in srgb,#fff 80%,transparent);-webkit-backdrop-filter:saturate(1.6) blur(14px);backdrop-filter:saturate(1.6) blur(14px);border-bottom:1px solid var(--line);box-shadow:0 2px 14px -8px rgba(31,28,22,.16)}.hdr-in{display:flex;gap:24px;height:72px}.brand,.hdr-in{align-items:center}.brand{font-family:var(--font-display);font-weight:600;font-size:1.42rem;color:var(--text);letter-spacing:-.02em;display:inline-flex;gap:8px}.brand:hover{text-decoration:none}.nav-links{display:flex;gap:22px;margin-left:auto;align-items:center;flex-wrap:wrap}.nav-links a{color:var(--muted);font-weight:550;font-size:.98rem;letter-spacing:-.01em;transition:color .15s}.nav-links a:hover{color:var(--text);text-decoration:none}.nav-links a.btn-primary,.nav-links a.btn-sm{color:#fff}@media (max-width:760px){.nav-links{gap:14px}.nav-links .hide-sm{display:none}.hdr-in{height:64px}}.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-xl);padding:26px;box-shadow:var(--sh-sm)}a.card{display:block;transition:transform .14s ease,box-shadow .2s ease,border-color .2s ease}a.card:hover{transform:translateY(-3px);box-shadow:var(--sh);border-color:var(--line-2);text-decoration:none}.grid2{grid-template-columns:1fr 1fr;grid-gap:20px}.grid2,.grid3{display:grid;gap:20px}.grid3{grid-template-columns:repeat(3,1fr);grid-gap:20px}@media (max-width:780px){.grid2,.grid3{grid-template-columns:1fr}}.eyebrow{display:inline-flex;align-items:center;gap:7px;font-size:.76rem;font-weight:700;text-transform:uppercase;letter-spacing:.09em;color:var(--primary-dk);background:var(--primary-hi);padding:7px 14px;border-radius:999px;border:1px solid var(--primary-hi2)}.lead{font-size:1.2rem;color:var(--muted);max-width:62ch;line-height:1.6}.tldr{background:linear-gradient(180deg,var(--primary-hi),var(--surface2));border:1px solid var(--primary-hi2);border-left:4px solid var(--primary);border-radius:var(--r-lg);padding:18px 20px;margin:20px 0}.limtable,.tldr{box-shadow:var(--sh-sm)}.limtable{width:100%;border-collapse:separate;border-spacing:0;margin:16px 0;font-size:1rem;background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden}.limtable td,.limtable th{text-align:left;padding:13px 16px;border-bottom:1px solid var(--line)}.limtable tr:last-child td{border-bottom:none}.limtable th{font-size:.76rem;text-transform:uppercase;letter-spacing:.05em;color:var(--muted);background:var(--surface2);font-weight:700}.limtable td:first-child{font-weight:650}.flag{font-size:.72rem;font-weight:700;color:var(--success);background:var(--success-bg);padding:3px 9px;border-radius:999px}.state-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(210px,1fr));grid-gap:12px;gap:12px;margin:22px 0}.state-chip{display:flex;align-items:center;justify-content:space-between;gap:8px;background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);padding:14px 16px;font-weight:600;box-shadow:var(--sh-sm);transition:transform .12s,border-color .15s,box-shadow .2s}.state-chip:hover{border-color:var(--primary);transform:translateY(-2px);box-shadow:var(--sh);text-decoration:none}.hero{padding:4.5rem 0 2rem}.hero .lead{font-size:1.3rem;margin:1.2rem 0 1.8rem;color:var(--muted)}.hero h1{max-width:16ch}.cta-row{display:flex;gap:14px;flex-wrap:wrap}.faq{margin-top:1rem}.faq details{border:1px solid var(--line);border-radius:var(--r-lg);padding:16px 20px;margin-bottom:10px;background:var(--surface);box-shadow:var(--sh-sm);transition:border-color .15s}.faq details[open]{border-color:var(--primary-hi2)}.faq summary{font-weight:700;cursor:pointer;list-style:none;font-size:1.05rem;letter-spacing:-.01em}.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:"＋";float:right;color:var(--primary);font-weight:400}.faq details[open] summary:after{content:"－"}.faq p{color:var(--muted);margin-bottom:0}.tiers{display:grid;grid-template-columns:repeat(3,1fr);grid-gap:20px;gap:20px;margin-top:26px}@media (max-width:880px){.tiers{grid-template-columns:1fr}}.tier{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-2xl);padding:30px;display:flex;flex-direction:column;box-shadow:var(--sh-sm)}.tier.feature{border-color:var(--primary);box-shadow:var(--sh-lg);position:relative}.tier.feature:before{content:"Most popular";position:absolute;top:-12px;left:30px;background:var(--primary);color:#fff;font-size:.68rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em;padding:5px 12px;border-radius:999px}.tier .price{font-family:var(--font-display);font-size:2.4rem;font-weight:500;margin:8px 0;letter-spacing:-.02em}.tier ul{list-style:none;margin:16px 0;display:grid;grid-gap:10px;gap:10px}.tier li{font-size:.98rem;padding-left:26px;position:relative;color:var(--muted)}.tier li:before{content:"✓";position:absolute;left:0;top:1px;color:#fff;background:var(--primary);width:17px;height:17px;border-radius:50%;font-size:.66rem;display:grid;place-items:center}.screener{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-2xl);padding:32px;max-width:660px;box-shadow:var(--sh-lg)}.field{margin:16px 0}.field label{display:block;font-weight:650;margin-bottom:8px;letter-spacing:-.01em}.field input,.field select{width:100%;font-size:1.06rem;font-family:var(--font-sans);padding:14px 16px;border:1.5px solid var(--line-2);border-radius:var(--r-lg);background:var(--surface2);color:var(--text);min-height:52px;transition:border-color .15s,box-shadow .15s,background .15s}.field input:focus,.field select:focus{outline:none;border-color:var(--primary);background:var(--surface);box-shadow:0 0 0 4px var(--primary-hi)}.chips{display:flex;gap:10px;flex-wrap:wrap}.chip{padding:12px 20px;border:1.5px solid var(--line-2);border-radius:999px;background:var(--surface);cursor:pointer;font-weight:600;font-size:1rem;transition:all .14s}.chip.sel,.chip:hover{border-color:var(--primary)}.chip.sel{background:var(--primary);color:#fff;box-shadow:0 4px 12px -4px rgba(11,91,96,.5)}.rcard{border:1px solid var(--line);border-radius:var(--r-lg);padding:20px;margin:12px 0;background:var(--surface);box-shadow:var(--sh-sm)}.rcard.rc-q{border-left:4px solid var(--success);background:linear-gradient(180deg,var(--success-bg),var(--surface) 60%)}.rcard.rc-m{border-left:4px solid var(--warn);background:linear-gradient(180deg,var(--warn-bg),var(--surface) 60%)}.rcard.rc-i{border-left:4px solid var(--line-2)}.rcard .v{font-weight:800;color:var(--primary-dk);margin:6px 0;font-size:1.05rem}.rtag{font-size:.72rem;font-weight:800;text-transform:uppercase;letter-spacing:.05em}.rtag.q{color:var(--success)}.rtag.m{color:var(--warn)}.rtag.i{color:var(--muted)}.bignum{font-family:var(--font-display);font-size:2.6rem;font-weight:500;color:var(--primary-dk);letter-spacing:-.02em}.disc{font-size:.88rem;color:var(--faint);line-height:1.55}.crumb{font-size:.9rem;margin-bottom:10px}.crumb,.crumb a{color:var(--muted)}footer{margin-top:3.5rem;padding:3.5rem 0 2.75rem;background:linear-gradient(180deg,#0c4c50,#08393d);color:var(--inverse)}footer .brand{color:#fff}footer .disc{color:hsla(40,36%,95%,.72)}footer a{color:hsla(40,36%,95%,.9)}footer a:hover{color:#fff}.fgrid{display:grid;grid-template-columns:2fr 1fr 1fr;grid-gap:28px;gap:28px}@media (max-width:780px){.fgrid{grid-template-columns:1fr;gap:20px}}.fcol h4{font-size:.76rem;text-transform:uppercase;letter-spacing:.06em;color:hsla(40,36%,95%,.55);margin-bottom:10px;font-weight:700}.fcol a{display:block;font-size:.95rem;padding:4px 0}.badge-row{display:flex;gap:8px;flex-wrap:wrap;margin-top:12px}.mini{font-size:.74rem;font-weight:650;color:hsla(40,36%,95%,.9);background:hsla(0,0%,100%,.08);border:1px solid hsla(0,0%,100%,.16);padding:5px 11px;border-radius:999px}.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;grid-gap:52px;gap:52px;align-items:center}@media (max-width:920px){.hero-grid{grid-template-columns:1fr;gap:30px}}.hero-copy h1{max-width:15ch}.hero-points{list-style:none;margin:1.5rem 0 0;display:grid;grid-gap:11px;gap:11px}.hero-points li{position:relative;padding-left:30px;color:var(--muted);font-size:1.04rem}.hero-points li:before{content:"✓";position:absolute;left:0;top:2px;color:#fff;background:var(--primary);width:20px;height:20px;border-radius:50%;font-size:.68rem;display:grid;place-items:center}.hero-form .screener{width:100%;max-width:100%}.prog{height:7px;background:var(--offset);overflow:hidden}.prog,.prog span{border-radius:999px}.prog span{display:block;height:100%;background:linear-gradient(90deg,var(--primary),#0e7a80);transition:width .35s ease}.prog-label{font-size:.74rem;font-weight:700;text-transform:uppercase;letter-spacing:.07em;color:var(--faint);margin:10px 0 20px}.sc-q{font-family:var(--font-display);font-size:1.55rem;font-weight:500;margin:2px 0 16px;letter-spacing:-.01em;line-height:1.2}.sc-hint{font-size:.9rem;color:var(--faint);margin-top:10px}.dash-shell{background:var(--surface2);min-height:100vh}.plan-pill{font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em;color:var(--primary-dk);background:var(--primary-hi);padding:5px 12px;border-radius:999px;border:1px solid var(--primary-hi2)}.alert-hero{display:flex;gap:18px;align-items:center;background:linear-gradient(120deg,var(--warn-bg),var(--surface) 80%);border:1px solid var(--warn-bd);border-left:5px solid var(--warn);border-radius:var(--r-xl);padding:22px 26px;box-shadow:var(--sh)}.alert-hero .amt{font-family:var(--font-display);font-size:2rem;font-weight:500;color:var(--warn);letter-spacing:-.02em;line-height:1}.psn-row{display:flex;gap:10px;flex-wrap:wrap}.psn{display:inline-flex;align-items:center;gap:8px;padding:9px 16px;border-radius:999px;border:1.5px solid var(--line-2);background:var(--surface);font-weight:600;cursor:pointer;box-shadow:var(--sh-sm)}.psn.on{background:var(--primary);color:#fff;border-color:var(--primary)}.psn .dot{width:22px;height:22px;border-radius:50%;background:var(--primary-hi);color:var(--primary-dk);display:grid;place-items:center;font-size:.72rem;font-weight:800}.psn.on .dot{background:hsla(0,0%,100%,.22);color:#fff}.ben{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:15px 18px;background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);box-shadow:var(--sh-sm)}.ben .ic{font-size:1.5rem}.ben-name{font-weight:700}.ben-sub{font-size:.85rem;color:var(--faint)}.pill-warn{color:var(--warn);background:var(--warn-bg)}.pill-ok,.pill-warn{font-size:.72rem;font-weight:700;padding:5px 11px;border-radius:999px;white-space:nowrap}.pill-ok{color:var(--success);background:var(--success-bg)}.dline{display:flex;justify-content:space-between;align-items:center;gap:12px;padding:13px 0;border-bottom:1px solid var(--line)}.dline:last-child{border-bottom:none}@media (max-width:620px){.alert-hero{flex-direction:column;align-items:flex-start;text-align:left;padding:20px}.alert-hero .btn{width:100%;text-align:center}.ben{flex-direction:column;gap:10px}.ben,.ben .ben-right{align-items:flex-start}.ben .ben-right{text-align:left}}.ben{position:relative;border-left:5px solid var(--cat,var(--line-2))}.ben.t-dental{--cat:#0b5b60;--catbg:#dcebe8}.ben.t-otc{--cat:#b07d1a;--catbg:#f7ecd0}.ben.t-vision{--cat:#5346a6;--catbg:#e8e3f6}.ben.t-hearing{--cat:#1f6591;--catbg:#dcecf6}.ben.t-fitness{--cat:#3e7a2e;--catbg:#e7efd9}.ben.t-transport{--cat:#b0562a;--catbg:#f7e2d5}.ic-tile{width:50px;height:50px;flex:none;border-radius:14px;display:grid;place-items:center;font-size:1.5rem;background:var(--catbg,var(--surface2));box-shadow:inset 0 0 0 1px rgba(0,0,0,.04)}.ben-left{display:flex;gap:14px;align-items:center}.ben-txt{display:flex;flex-direction:column;gap:1px}.ben-money{font-size:.86rem;font-weight:700;color:var(--cat,var(--muted))}.ben-right{display:flex;flex-direction:column;align-items:flex-end;gap:4px}.count{font-size:.82rem;font-weight:800;letter-spacing:-.01em;padding:6px 13px;border-radius:999px;white-space:nowrap}.count.danger{color:#b3261e;background:#f8ddd9}.count.warn{color:#9a6410;background:#f7ecd6}.count.ok{color:#3e7a2e;background:#e7efd9}.count-date{font-size:.75rem;color:var(--faint)}.info-card{position:relative;overflow:hidden}.info-card:before{content:"";position:absolute;inset:0 0 auto 0;height:5px;background:var(--accentc,var(--primary))}.info-card h3{color:var(--accentc,var(--primary-dk))}.info-ico{width:46px;height:46px;border-radius:13px;display:grid;place-items:center;font-size:1.4rem;background:var(--accentbg,var(--primary-hi));margin-bottom:14px;box-shadow:inset 0 0 0 1px rgba(0,0,0,.04)}.info-card.c-teal{--accentc:#0b5b60;--accentbg:#dcebe8}.info-card.c-gold{--accentc:#a9750f;--accentbg:#f7ecd0}.info-card.c-indigo{--accentc:#5346a6;--accentbg:#e8e3f6}