/* FinalExpense.org — site stylesheet (direction D: insurer style). Shared by every content page.
   Landing pages (quiz/call) carry an inline copy of the tokens + the components they use. Keep tokens in sync. */

:root{
  --blue:#0A4FB5; --blue-d:#083E8F; --navy:#0B2D5B; --wash:#EEF4FC; --wash2:#F6F8FB;
  --ink:#1F2937; --mute:#5B6573; --line:#DCE3EC; --green:#1E8E5A; --error:#B42318; --white:#fff;
  --font:Figtree,system-ui,-apple-system,"Segoe UI",sans-serif;
  --amber:#F2B134;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--font);color:var(--ink);background:var(--white);font-size:18px;line-height:1.55;-webkit-font-smoothing:antialiased}
a{color:var(--blue)} a:hover{color:var(--blue-d)}
img{display:block;max-width:100%}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);border:0}
:focus-visible{outline:3px solid #F2B134;outline-offset:2px}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px}

/* ---------- header (Ethos-style: white sticky bar, logo+tagline, centered nav, phone + pill CTA) ---------- */
.hdr{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.hdr .wrap{display:grid;grid-template-columns:1fr auto 1fr;align-items:center;gap:24px;padding:0 24px;min-height:78px}
.logo{display:block;font-weight:800;font-size:27px;color:var(--navy);text-decoration:none;letter-spacing:-.02em;white-space:nowrap;line-height:1}
.logo span{color:var(--blue)}
.logo small{display:block;font-size:11px;font-weight:600;letter-spacing:.05em;text-transform:uppercase;color:var(--mute);margin-top:4px}
.nav{justify-self:center;display:flex;gap:30px;font-weight:600;font-size:16px}
.nav a{color:var(--ink);text-decoration:none;padding:6px 0;border-bottom:2px solid transparent;white-space:nowrap}
.nav a:hover,.nav a[aria-current="page"]{color:var(--blue);border-bottom-color:var(--blue)}
.hdr-right{justify-self:end;display:flex;align-items:center;gap:22px}
.hdr-phone{display:flex;align-items:center;gap:9px;line-height:1.1;text-decoration:none;color:var(--navy)}
.hdr-phone svg{width:22px;height:22px;color:var(--blue);flex:none}
.hdr-phone b{font-weight:800;font-size:18px;color:var(--navy);display:block;white-space:nowrap}
.hdr-phone small{display:block;color:var(--mute);font-size:12px;margin-top:3px;white-space:nowrap}
.menu-btn{display:none;background:none;border:0;padding:8px;cursor:pointer;color:var(--navy)}
.menu-btn svg{width:26px;height:26px;display:block}
@media (max-width:1200px){.nav{gap:20px;font-size:15px}.hdr-phone small{display:none}}
@media (max-width:980px){
  .hdr .wrap{grid-template-columns:auto 1fr;gap:8px;padding:0 12px;min-height:60px}.logo{font-size:20px}.logo small{display:none}
  .nav{display:none;order:3;grid-column:1/-1;flex-direction:column;gap:0;padding:4px 0 10px;border-top:1px solid var(--line)}
  .nav a{padding:12px 4px;border-bottom:1px solid var(--line);font-size:17px}.nav a:hover,.nav a[aria-current="page"]{border-bottom-color:var(--line)}
  .hdr.open .nav{display:flex}
  .hdr-right{gap:6px}.hdr-phone{width:40px;height:40px;border-radius:50%;background:var(--wash);justify-content:center;gap:0}.hdr-phone span{display:none}.hdr-phone svg{width:20px;height:20px}
  .hdr .btn.pill{padding:9px 13px;font-size:14px}.menu-btn{display:block;padding:6px 2px}.menu-btn svg{width:24px;height:24px}
}
@media (max-width:420px){.logo{font-size:18px}.hdr-phone{width:36px;height:36px}.hdr .btn.pill{padding:8px 11px;font-size:13.5px}.hdr .wrap{padding:0 10px}}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--blue);color:#fff;font-weight:700;font-size:17px;padding:13px 22px;border-radius:6px;text-decoration:none;border:2px solid var(--blue);white-space:nowrap;cursor:pointer;font-family:inherit;line-height:1.2}
.btn:hover{background:var(--blue-d);border-color:var(--blue-d);color:#fff}
.btn.lg{font-size:20px;padding:16px 28px}
.btn.ghost{background:#fff;color:var(--blue)} .btn.ghost:hover{background:var(--wash);color:var(--blue-d)}
.btn.white{background:#fff;color:var(--navy);border-color:#fff} .btn.white:hover{background:var(--wash);border-color:var(--wash);color:var(--navy)}
.btn.outline-w{background:transparent;color:#fff;border-color:#fff} .btn.outline-w:hover{background:rgba(255,255,255,.12);color:#fff}
.btn.wide{width:100%}
.btn.pill{border-radius:999px;padding:12px 24px}
.row{display:flex;gap:12px;flex-wrap:wrap}
.disc{font-size:14px;color:var(--mute);line-height:1.5;margin:14px 0 0;max-width:44em}
.hero .disc{margin:16px 0 0}.pcard .disc{margin:0 0 18px}.scard .disc{font-size:14px}

/* ---------- hero (home): two columns on the wash, photo in a frame with a navy fact chip ---------- */
.hero{background:var(--wash);border-bottom:1px solid var(--line);position:relative;overflow:hidden}
.hero::before{content:"";position:absolute;right:-12%;top:-30%;width:58%;height:160%;background:#fff;transform:skewX(-12deg);opacity:.55}
.hero .wrap{position:relative;display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);gap:56px;align-items:center;padding:56px 24px 64px}
.hero .copy{max-width:600px}
.hero .kicker{display:inline-flex;align-items:center;gap:8px;font-size:14px;font-weight:700;color:var(--blue);text-transform:uppercase;letter-spacing:.06em;margin:0 0 16px}
.hero .kicker::before{content:"";width:28px;height:3px;background:var(--amber);border-radius:2px}
.hero h1{font-size:46px;line-height:1.1;margin:0 0 16px;color:var(--navy);font-weight:800;letter-spacing:-.02em}
.hero .lead{margin:0 0 28px;font-size:20px;color:var(--ink);line-height:1.5}
.hero .go{display:flex;gap:12px;align-items:stretch}
.hero .go label{flex:1;display:block;position:relative;background:#fff;border:2px solid var(--line);border-radius:6px;padding:8px 16px 7px}
.hero .go label:focus-within{border-color:var(--blue)}
.hero .go label span{display:block;font-size:13px;font-weight:700;color:var(--blue);text-transform:uppercase;letter-spacing:.04em}
.hero .go select{width:100%;border:0;background:transparent;font:inherit;font-size:19px;font-weight:600;color:var(--ink);padding:2px 28px 0 0;appearance:none;-webkit-appearance:none;outline:none}
.hero .go label::after{content:"";position:absolute;right:16px;top:50%;width:9px;height:9px;border-right:2px solid var(--navy);border-bottom:2px solid var(--navy);transform:translateY(-70%) rotate(45deg);pointer-events:none}
.hero .go .btn{font-size:19px;padding:0 28px}
.hero .go .btn svg{width:18px;height:18px}
.hero .links{display:flex;gap:28px;margin:18px 0 0;font-size:16px;flex-wrap:wrap}
.hero .links a{color:var(--mute);text-decoration:none}.hero .links a:hover{text-decoration:underline}.hero .links a b{color:var(--navy)}
.hero .links a::before{content:"›";margin-right:6px;color:var(--amber);font-weight:800}
.hero-photo{position:relative;margin:0 0 36px}
.hero-photo img{width:100%;height:520px;object-fit:cover;object-position:60% 30%;border-radius:12px;box-shadow:0 30px 60px -30px rgba(11,45,91,.5)}
.hero-chip{position:absolute;left:-28px;bottom:-32px;background:var(--navy);color:#fff;border-radius:10px;padding:16px 20px 16px 22px;border-left:6px solid var(--amber);display:grid;grid-template-columns:auto auto;gap:4px 28px;box-shadow:0 20px 40px -20px rgba(11,45,91,.6)}
.hero-chip b{display:block;font-size:24px;line-height:1;letter-spacing:-.01em}.hero-chip span{display:block;font-size:13px;color:#C9D6EA;margin-top:4px}
@media (max-width:1060px){.hero h1{font-size:38px}.hero-photo img{height:440px}.hero .wrap{gap:36px}}
@media (max-width:900px){.hero::before{display:none}.hero .wrap{grid-template-columns:minmax(0,1fr);gap:28px;padding:28px 16px 36px}.hero h1{font-size:31px}.hero .lead{font-size:17px}.hero .go{flex-direction:column}.hero .go .btn{padding:15px}.hero .links{flex-direction:column;gap:8px}.hero-photo{margin:0 0 44px}.hero-photo img{height:auto;aspect-ratio:4/3;max-height:340px}.hero-chip{left:12px;right:12px;bottom:-30px;padding:14px 16px;gap:2px 16px}.hero-chip b{font-size:20px}}

/* ---------- feature card (photo bleeds in from the right; our type, cards and buttons) ---------- */
.feat{padding:0 0 80px}
.feat .card{position:relative;border-radius:12px;overflow:hidden;background:var(--navy);display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);min-height:580px;border-bottom:8px solid var(--amber)}
.feat .card>img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:78% center}
.feat .card::before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(11,45,91,.96) 0%,rgba(11,45,91,.93) 44%,rgba(11,45,91,.45) 62%,rgba(11,45,91,.08) 85%);z-index:1}
.feat .in{position:relative;z-index:2;padding:56px 40px 56px 56px}
.feat .eyebrow{color:var(--amber);font-weight:700;letter-spacing:.07em;text-transform:uppercase;font-size:14px;margin:0 0 14px}
.feat h2{font-size:46px;line-height:1.1;color:#fff;margin:0 0 30px;letter-spacing:-.02em;max-width:13em}
.feat h2 em{font-style:normal;color:var(--amber)}
.feat .facts{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:0 0 30px;max-width:640px}
.feat .fact{background:#fff;border-radius:12px;padding:22px 22px 20px;border-top:5px solid var(--blue)}
.feat .fact b{display:block;font-size:22px;color:var(--navy);margin-bottom:6px;letter-spacing:-.01em;line-height:1.2}
.feat .fact p{margin:0;font-size:15.5px;color:var(--mute);line-height:1.5}
.feat .fine{position:relative;color:#C9D6EA;font-size:15px;margin:18px 0 0}
@media (max-width:900px){.feat{padding:0 0 48px}.feat .wrap{padding:0 12px}.feat .card{display:block;min-height:0}.feat .card>img{position:static;height:260px}.feat .card::before{display:none}.feat .in{padding:28px 20px 30px}.feat h2{font-size:32px;margin-bottom:22px}.feat .facts{grid-template-columns:1fr;gap:12px}.feat .fact{padding:18px 18px 16px}.feat .fact b{font-size:20px}.feat .row .btn{width:100%}}

/* ---------- page header (inner pages) ---------- */
.phead{background:var(--navy);color:#fff;position:relative;overflow:hidden}
.phead img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center 30%;opacity:.28}
.phead .wrap{position:relative;padding:56px 24px 52px;max-width:1180px}
.phead h1{font-size:44px;line-height:1.1;margin:0 0 12px;font-weight:800;letter-spacing:-.02em;max-width:18em}
.phead p{font-size:20px;margin:0;max-width:38em;color:#D6E4FA}
.phead .crumb{font-size:14px;color:#B9C7DE;margin:0 0 14px}.phead .crumb a{color:#fff;text-decoration:none}
@media (max-width:900px){.phead .wrap{padding:36px 16px 32px}.phead h1{font-size:30px}.phead p{font-size:17px}}

/* ---------- trust strip ---------- */
.strip{background:var(--wash);border-bottom:1px solid var(--line)}
.strip .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;padding:18px 24px}
.strip div{display:flex;align-items:center;gap:12px;font-weight:600;font-size:16px;color:var(--navy)}
.strip svg{flex:none;width:28px;height:28px;color:var(--blue)}
@media (max-width:900px){.strip .wrap{grid-template-columns:1fr 1fr;gap:10px;padding:14px 16px}.strip div{font-size:14px}.strip svg{width:22px;height:22px}}
@media (max-width:480px){.strip .wrap{grid-template-columns:1fr}}

/* ---------- sections + type ---------- */
section{padding:72px 0}
section.tight{padding-top:0}
h2{font-size:36px;line-height:1.15;margin:0 0 10px;color:var(--navy);font-weight:800;letter-spacing:-.02em}
h3{font-size:22px;line-height:1.25;margin:28px 0 8px;color:var(--navy);font-weight:700}
article h2{font-size:28px;margin:36px 0 10px}article h2:first-child{margin-top:0}
.sub{font-size:19px;color:var(--mute);margin:0 0 36px;max-width:40em}
.center{text-align:center}.center .sub{margin-left:auto;margin-right:auto}
p{margin:0 0 16px;max-width:44em}
ul,ol{margin:0 0 16px;padding-left:24px;max-width:44em} li{margin:0 0 6px}
.note{background:var(--wash);border-left:5px solid var(--blue);border-radius:0 8px 8px 0;padding:16px 20px;margin:20px 0;max-width:44em}
.small{font-size:15px;color:var(--mute)}
.meta{font-size:15px;color:var(--mute);margin:0 0 24px}
@media (max-width:900px){section{padding:44px 0}h2{font-size:28px}.sub{font-size:17px;margin-bottom:24px}}

/* ---------- two-column article layout ---------- */
.page{max-width:1180px;margin:0 auto;padding:48px 24px 64px;display:grid;gap:48px;grid-template-columns:minmax(0,1fr)}
@media (min-width:960px){.page{grid-template-columns:minmax(0,760px) minmax(280px,1fr);gap:64px;align-items:start}}
@media (max-width:900px){.page{padding:32px 16px 48px}}
.page.narrow{grid-template-columns:minmax(0,820px);justify-content:center}
.toc{font-size:16px;margin:0 0 32px;padding:18px 22px;background:var(--wash2);border:1px solid var(--line);border-radius:10px;max-width:44em}
.toc b{display:block;margin-bottom:6px;color:var(--navy)}
.toc ol{margin:0;padding-left:20px;columns:2;column-gap:24px}.toc li{margin:0 0 4px;break-inside:avoid}.toc a{text-decoration:none}.toc a:hover{text-decoration:underline}
@media (max-width:600px){.toc ol{columns:1}}

/* ---------- sidebar ---------- */
.side{display:grid;gap:24px}
.scard{background:#fff;border:1px solid var(--line);border-radius:12px;padding:26px 26px 24px;border-top:6px solid var(--blue);box-shadow:0 10px 30px -22px rgba(11,45,91,.35)}
.scard h3{margin:0 0 8px;font-size:21px}
.scard p{font-size:16px;margin:0 0 14px;color:var(--mute)}
.scard .ph{display:block;font-weight:800;font-size:24px;color:var(--navy);text-decoration:none;margin:4px 0 2px}
.scard .hrs{font-size:15px;color:var(--mute);margin:0 0 14px}
.scard.navy{background:var(--navy);color:#fff;border-top-color:#F2B134}.scard.navy h3,.scard.navy .ph{color:#fff}.scard.navy p,.scard.navy .hrs{color:#C9D6EA}
.checks{list-style:none;padding:0;margin:0}
.checks li{padding:8px 0 8px 30px;position:relative;border-top:1px solid var(--line);margin:0;font-size:16px}.checks li:first-child{border-top:0}
.checks li::before{content:"";position:absolute;left:4px;top:14px;width:7px;height:13px;border-right:3px solid var(--green);border-bottom:3px solid var(--green);transform:rotate(45deg)}
.scard.navy .checks li{border-top-color:rgba(255,255,255,.15)}.scard.navy .checks li::before{border-color:#F2B134}
.steps-sm{list-style:none;padding:0;margin:0;counter-reset:s}
.steps-sm li{counter-increment:s;position:relative;padding:0 0 12px 42px;font-size:16px}
.steps-sm li::before{content:counter(s);position:absolute;left:0;top:0;width:30px;height:30px;border-radius:50%;background:var(--blue);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center;font-size:15px}
.steps-sm b{color:var(--navy)}

/* ---------- cards / grids ---------- */
.cards{display:grid;grid-template-columns:1fr 1fr;gap:28px}
.pcard{background:#fff;border:1px solid var(--line);border-radius:12px;padding:32px 32px 28px;border-top:6px solid var(--blue);box-shadow:0 10px 30px -22px rgba(11,45,91,.35);text-align:left}
.pcard.alt{border-top-color:var(--green)}
.pcard h3{margin:0 0 6px;font-size:24px}.pcard .tag{font-size:14px;font-weight:700;color:var(--blue);margin:0 0 14px}.pcard.alt .tag{color:var(--green)}
.pcard ul{list-style:none;padding:0;margin:0 0 20px}.pcard li{padding:8px 0 8px 30px;position:relative;border-top:1px solid var(--line);margin:0}.pcard li:first-child{border-top:0}
.pcard li::before{content:"";position:absolute;left:4px;top:14px;width:7px;height:13px;border-right:3px solid var(--green);border-bottom:3px solid var(--green);transform:rotate(45deg)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.split img{border-radius:12px;height:420px;width:100%;object-fit:cover}
.icons{list-style:none;padding:0;margin:0;display:grid;gap:18px;max-width:none}
.icons li{display:grid;grid-template-columns:48px 1fr;gap:14px;align-items:start;margin:0}
.icons .ic{width:48px;height:48px;border-radius:10px;background:var(--wash);display:flex;align-items:center;justify-content:center;color:var(--blue)}
.icons b{display:block;font-size:18px;color:var(--navy)}.icons span{color:var(--mute);font-size:16px}
.band{background:var(--navy);color:#fff}
.band .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;padding:48px 24px}
.band b{display:block;font-size:44px;font-weight:800;letter-spacing:-.02em;line-height:1}.band span{display:block;margin-top:8px;color:#C9D6EA;font-size:16px}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.step{background:#fff;border:1px solid var(--line);border-radius:12px;overflow:hidden}
.step img{height:200px;width:100%;object-fit:cover}
.step .b{padding:22px 24px 26px}.step .n{display:inline-flex;width:34px;height:34px;border-radius:50%;background:var(--blue);color:#fff;font-weight:800;align-items:center;justify-content:center;margin-bottom:10px}
.step h3{margin:0 0 6px;font-size:21px}.step p{margin:0;color:var(--mute);font-size:16px}
.why{background:var(--wash2)}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.it{background:#fff;border:1px solid var(--line);border-radius:12px;padding:28px}
.it svg{width:36px;height:36px;color:var(--blue);margin-bottom:12px}
.it h3{margin:0 0 6px;font-size:20px}.it p{margin:0;color:var(--mute);font-size:16px}
.art{border:1px solid var(--line);border-radius:12px;overflow:hidden;background:#fff;display:flex;flex-direction:column}
.art img{height:190px;width:100%;object-fit:cover}.art .b{padding:20px 22px 24px}
.art h3{margin:0 0 8px;font-size:20px}.art p{margin:0 0 12px;color:var(--mute);font-size:16px}.art a{font-weight:700;text-decoration:none}
.cta{background:var(--blue);color:#fff}
.cta .wrap{display:flex;align-items:center;justify-content:space-between;gap:24px;padding:48px 24px}
.cta h2{color:#fff;margin:0 0 6px}.cta p{margin:0;color:#D6E4FA;font-size:18px}
@media (max-width:900px){.cards,.split,.band .wrap,.steps,.grid3{grid-template-columns:minmax(0,1fr)}.pcard .btn{white-space:normal;text-align:center}.split img{height:260px}.band b{font-size:36px}.cta .wrap{flex-direction:column;align-items:flex-start}}

/* ---------- FAQ ---------- */
.faq details{border:1px solid var(--line);border-radius:10px;background:#fff;margin:0 0 12px;max-width:52em}
.faq summary{cursor:pointer;font-weight:700;font-size:18px;padding:16px 48px 16px 20px;position:relative;list-style:none;color:var(--navy)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:18px;top:12px;font-size:26px;color:var(--blue);font-weight:400}
.faq details[open] summary::after{content:"–"}
.faq details p{margin:0;padding:0 20px 18px;color:var(--ink)}

/* ---------- table ---------- */
table{border-collapse:collapse;width:100%;font-size:16px;margin:0 0 20px;background:#fff;border:1px solid var(--line);border-radius:10px;overflow:hidden}
th,td{text-align:left;padding:12px 14px;border-bottom:1px solid var(--line);vertical-align:top}
th{background:var(--navy);color:#fff;font-weight:700}
tr:last-child td{border-bottom:0}
.table-wrap{overflow-x:auto;margin:0 0 20px}

/* ---------- footer ---------- */
.foot{background:var(--navy);color:#B9C7DE;font-size:16px;line-height:1.55}
.foot .wrap{padding:40px 24px}
.foot p{max-width:80em;margin:0 0 10px}.foot strong{color:#fff}
.foot .notice{background:rgba(255,255,255,.07);border-left:4px solid var(--amber);border-radius:0 8px 8px 0;padding:14px 18px;margin:0 0 20px}.foot .notice p{margin:0 0 6px}.foot .notice p:last-child{margin:0}
.foot .links{display:flex;flex-wrap:wrap;gap:8px 18px;margin-top:16px}.foot .links a{color:#fff}