:root{--bg:#ffffff;--fg:#14171c;--ac:#f59e0b;--acfg:#14171c;--mu:#5b6270;--card:#f6f7f9;--line:rgba(127,127,127,.25)}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}body{margin:0;background:var(--bg);color:var(--fg);font:17px/1.6 -apple-system,'Segoe UI',Roboto,Helvetica,Arial,sans-serif}
h1,h2,h3{font-family:-apple-system,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;line-height:1.15;margin:0 0 .5em}h1{font-size:clamp(2rem,5vw,3.4rem)}h2{font-size:clamp(1.5rem,3vw,2.1rem)}
a{color:inherit}.wrap{max-width:1100px;margin:0 auto;padding:0 20px}.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;color:#000;padding:8px}
.hdr{border-bottom:1px solid var(--line);position:sticky;top:0;background:var(--bg);z-index:5}.hdr-in{display:flex;align-items:center;gap:20px;min-height:64px}
.logo{text-decoration:none;font-family:-apple-system,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;font-size:1.25rem;font-weight:700;margin-right:auto}.hdr nav{display:flex;gap:18px}.hdr nav a{text-decoration:none;color:var(--mu);font-size:.95rem}
@media(max-width:760px){.hdr nav{display:none}}
.btn{display:inline-block;background:var(--ac);color:var(--acfg);border:0;border-radius:6px;padding:12px 22px;font:600 1rem -apple-system,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;text-decoration:none;cursor:pointer}
.btn-sm{padding:8px 14px;font-size:.9rem}.btn-lg{width:100%;padding:16px;font-size:1.1rem;margin-top:8px}.btn-ghost{background:transparent;color:var(--fg);border:1px solid var(--fg)}
.hero{padding:64px 0 48px}.hero p.lede{font-size:1.2rem;color:var(--mu);max-width:640px}.kicker{text-transform:uppercase;letter-spacing:.14em;font-size:.8rem;color:var(--ac);font-weight:700}
.sec{padding:56px 0;border-top:1px solid var(--line)}.cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:24px}
.card{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:24px}.split{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:start}
@media(max-width:860px){.split{grid-template-columns:1fr}}
label{display:block;font-size:.9rem;font-weight:600;margin:0 0 12px}input,select,textarea{display:block;width:100%;margin-top:4px;padding:12px;font:16px -apple-system,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;border:1px solid var(--line);border-radius:6px;background:var(--bg);color:var(--fg)}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:12px}@media(max-width:520px){.grid2{grid-template-columns:1fr}}
.hp{position:absolute;left:-9999px}.fine{font-size:.8rem;color:var(--mu)}.form-status{padding:12px;border-radius:6px;background:var(--card)}.is-error{border:1px solid #c0392b}
.prose{max-width:760px;padding:48px 20px}.center{text-align:center}ol.steps li,ul.ticks li{margin-bottom:10px}
.ftr{border-top:1px solid var(--line);padding:32px 0;color:var(--mu);font-size:.9rem;margin-top:40px}.ftr p{margin:.3em 0}
details{border-bottom:1px solid var(--line);padding:14px 0}summary{font-weight:700;cursor:pointer}
.ac{color:#d97706}.hero{background:#14171c;color:#fff;padding-top:40px}.hero p.lede{color:#c9ced6}.hero .answer{color:#eef1f5;background:rgba(255,255,255,.06)}.hero .card{color:#14171c}.hero .ticks{padding-left:1.2em}.logo{font-family:inherit}.answer{font-size:1.12rem;line-height:1.6;border-left:4px solid var(--ac);padding:12px 18px;margin:0 0 20px;background:rgba(127,127,127,.08);border-radius:0 8px 8px 0;max-width:760px}.answer-wrap{padding-top:32px}.faq-q{display:inline;font-size:1.05rem;margin:0;font-family:inherit}.faq-wrap{max-width:860px}
/* Consent to Contact toggle (matches nymbleinsurance.com) */
.consent{padding:16px 18px;border:1.5px solid var(--line);border-radius:12px;margin:14px 0;background:var(--card);text-align:left}
.consent-title{font-size:.85rem;font-weight:700;margin:0 0 6px;color:var(--fg)}
.consent-text{font-size:.82rem;line-height:1.6;margin:0 0 12px;color:var(--mu)}
.consent-toggle{display:flex;align-items:center;gap:12px;cursor:pointer;user-select:none;margin:0;font-weight:600;font-size:.85rem;color:var(--fg)}
.consent-toggle input{position:absolute;opacity:0;width:48px;height:26px;margin:0;cursor:pointer}
.consent-track{position:relative;display:inline-block;width:48px;height:26px;flex-shrink:0;border-radius:13px;background:#c9ced6;transition:background .2s}
.consent-knob{position:absolute;top:3px;left:3px;width:20px;height:20px;border-radius:50%;background:#fff;box-shadow:0 1px 3px rgba(0,0,0,.25);transition:transform .2s}
.consent-toggle input:checked+.consent-track{background:var(--ac)}
.consent-toggle input:checked+.consent-track .consent-knob{transform:translateX(22px)}
.consent-toggle input:focus-visible+.consent-track{outline:3px solid var(--ac);outline-offset:2px}
.consent-req{color:#dc2626}.consent-sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
.consent.is-missing{border-color:#dc2626}
.field-error{display:block;color:#b91c1c;font-size:.8rem;margin-top:4px;font-weight:600}
input.is-invalid,select.is-invalid,textarea.is-invalid{border-color:#dc2626;outline-color:#dc2626}