/* Hollen House Insurance — site styles */
:root{
  --green:#51B368;         /* brand primary */
  --green-dark:#2F7D45;    /* accessible green for text/buttons on white (≈5.2:1) */
  --green-deep:#1F5A30;
  --lime:#C4DB9A;
  --lime-soft:#EEF5E3;
  --ink:#1A1A1A;
  --ink-2:#3D433F;
  --muted:#5B635E;
  --line:#E2E8DF;
  --bg:#FFFFFF;
  --bg-soft:#F7FAF4;
  --radius:14px;
  --shadow:0 6px 24px rgba(26,26,26,.07);
  --max:1160px;
  --font:"Segoe UI",system-ui,-apple-system,Roboto,"Helvetica Neue",Arial,sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--font);color:var(--ink);background:var(--bg);line-height:1.6;font-size:17px}
img{max-width:100%;height:auto;display:block}
a{color:var(--green-dark);text-underline-offset:2px}
a:hover{color:var(--green-deep)}
h1,h2,h3,h4{line-height:1.2;margin:0 0 .6em;color:var(--ink);letter-spacing:-.01em}
h1{font-size:clamp(2rem,4.2vw,3.05rem);font-weight:800}
h2{font-size:clamp(1.55rem,2.8vw,2.15rem);font-weight:800}
h3{font-size:1.2rem;font-weight:700}
p{margin:0 0 1em}
ul{padding-left:1.25em}
li{margin:.3em 0}
:focus-visible{outline:3px solid var(--green-dark);outline-offset:2px;border-radius:4px}
.container{max-width:var(--max);margin:0 auto;padding:0 22px}
.narrow{max-width:820px}
.sr-only{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.skip-link{position:absolute;left:12px;top:-60px;background:var(--ink);color:#fff;padding:10px 16px;border-radius:8px;z-index:100}
.skip-link:focus{top:12px;color:#fff}

/* top bar */
.topbar{background:var(--green);color:var(--ink);font-size:.88rem}
.topbar .container{display:flex;gap:18px;justify-content:space-between;align-items:center;min-height:38px;flex-wrap:wrap}
.topbar a{color:var(--ink);font-weight:700;text-decoration:none}
.topbar a:hover{text-decoration:underline;color:var(--ink)}
.topbar .tb-left{display:flex;gap:18px;flex-wrap:wrap}

/* header */
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.site-header .container{display:flex;align-items:center;justify-content:space-between;min-height:78px;gap:16px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--ink)}
.brand img{width:62px;height:auto}
.brand-text{display:flex;flex-direction:column;line-height:1.05}
.brand-text .bt1{font-weight:800;font-size:1.22rem;letter-spacing:.06em;text-transform:uppercase}
.brand-text .bt2{font-size:.72rem;letter-spacing:.42em;text-transform:uppercase;color:var(--ink-2);margin-top:4px}
.nav{display:flex;align-items:center}
.nav>ul{list-style:none;margin:0;padding:0;display:flex;align-items:center;gap:2px}
.nav>ul>li{position:relative;margin:0}
.nav a.navlink,.nav button.navlink{display:block;padding:10px 12px;border-radius:8px;color:var(--ink);text-decoration:none;font-weight:600;font-size:.98rem;background:none;border:0;font-family:inherit;cursor:pointer}
.nav a.navlink:hover,.nav button.navlink:hover{background:var(--lime-soft);color:var(--green-deep)}
.nav a[aria-current="page"],.nav .is-active>.navlink{color:var(--green-dark);box-shadow:inset 0 -3px 0 var(--green)}
.nav .caret{display:inline-block;margin-left:4px;transition:transform .2s;font-size:.75em}
.nav .btn{margin-left:8px}
.dropdown{position:absolute;left:0;top:100%;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow);padding:14px;min-width:560px;display:none;z-index:60}
.has-dd:hover .dropdown,.has-dd:focus-within .dropdown,.has-dd.open .dropdown{display:block}
.has-dd.open .caret{transform:rotate(180deg)}
.dropdown .dd-head{display:flex;gap:10px;padding:0 6px 10px;border-bottom:1px solid var(--line);margin-bottom:8px;flex-wrap:wrap}
.dropdown .dd-head a{font-weight:700;text-decoration:none;color:var(--green-dark);padding:4px 6px;border-radius:6px}
.dropdown ul{list-style:none;margin:0;padding:0;columns:2;column-gap:10px}
.dropdown li{margin:0;break-inside:avoid}
.dropdown li a{display:block;padding:7px 8px;border-radius:7px;color:var(--ink);text-decoration:none;font-size:.95rem}
.dropdown a:hover{background:var(--lime-soft);color:var(--green-deep)}
.menu-toggle{display:none;background:none;border:2px solid var(--line);border-radius:10px;padding:8px 12px;font:inherit;font-weight:700;cursor:pointer;color:var(--ink)}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:13px 22px;border-radius:999px;font-weight:700;text-decoration:none;border:2px solid transparent;font-size:1rem;line-height:1.2;cursor:pointer;font-family:inherit;transition:background .15s,transform .15s}
.btn:hover{transform:translateY(-1px)}
.btn-primary{background:var(--green-dark);color:#fff}
.btn-primary:hover{background:var(--green-deep);color:#fff}
.btn-brand{background:var(--green);color:var(--ink)}
.btn-brand:hover{background:#45a35c;color:var(--ink)}
.btn-outline{border-color:var(--green-dark);color:var(--green-dark);background:#fff}
.btn-outline:hover{background:var(--lime-soft);color:var(--green-deep)}
.btn-ghost{background:#fff;color:var(--ink);border-color:var(--ink)}
.btn-sm{padding:9px 16px;font-size:.92rem}
.btn-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:22px}

/* sections */
section{padding:72px 0}
.section-soft{background:var(--bg-soft)}
.section-lime{background:var(--lime-soft)}
.eyebrow{display:inline-block;font-size:.8rem;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--green-dark);margin-bottom:10px}
.lead{font-size:1.15rem;color:var(--ink-2)}
.section-head{max-width:720px;margin-bottom:36px}
.center{text-align:center;margin-left:auto;margin-right:auto}

/* hero */
.hero{background:linear-gradient(180deg,#fff 0%,var(--lime-soft) 100%);padding:64px 0 72px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-180px;top:-140px;width:520px;height:520px;border-radius:50%;background:radial-gradient(circle,rgba(81,179,104,.22),rgba(196,219,154,.0) 70%);pointer-events:none}
.hero .container{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center;position:relative;z-index:1}
.hero h1 span{color:var(--green-dark)}
.hero-card{background:#fff;border-radius:24px;box-shadow:var(--shadow);padding:28px;border-top:8px solid var(--green)}
.hero-card img{width:100%;max-width:380px;margin:0 auto}
.hero-tag{text-align:center;margin:10px 0 0;font-weight:700;letter-spacing:.08em;color:var(--ink-2);font-size:.9rem}
.trust{display:flex;flex-wrap:wrap;gap:10px 22px;margin-top:26px;padding:0;list-style:none;color:var(--ink-2);font-weight:600;font-size:.95rem}
.trust li{display:flex;align-items:center;gap:8px;margin:0}
.trust svg{flex:none;color:var(--green-dark)}

.page-hero{background:linear-gradient(180deg,var(--lime-soft),#fff);padding:46px 0 40px;border-bottom:1px solid var(--line)}
.page-hero h1{margin-bottom:.35em}
.page-hero .lead{max-width:760px;margin:0}
.breadcrumb{font-size:.9rem;margin-bottom:14px;color:var(--muted)}
.breadcrumb ol{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:6px}
.breadcrumb li{margin:0}
.breadcrumb li+li::before{content:"›";margin-right:6px;color:var(--muted)}

/* cards */
.grid{display:grid;gap:20px}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
.grid-2{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:0 1px 2px rgba(0,0,0,.03);display:flex;flex-direction:column}
.card h3{margin-bottom:.4em}
.card p{color:var(--ink-2);margin-bottom:.8em;font-size:.97rem}
.card .more{margin-top:auto;font-weight:700;text-decoration:none}
.card .more::after{content:" →"}
a.card{text-decoration:none;color:inherit;transition:border-color .15s,transform .15s,box-shadow .15s}
a.card:hover{border-color:var(--green);transform:translateY(-2px);box-shadow:var(--shadow);color:inherit}
.icon{width:48px;height:48px;border-radius:12px;background:var(--lime-soft);color:var(--green-dark);display:flex;align-items:center;justify-content:center;margin-bottom:14px;flex:none}
.icon svg{width:26px;height:26px}

.steps{counter-reset:step}
.step{position:relative;padding-top:56px}
.step::before{counter-increment:step;content:counter(step);position:absolute;top:20px;left:24px;width:40px;height:40px;border-radius:50%;background:var(--green);color:var(--ink);font-weight:800;display:flex;align-items:center;justify-content:center;font-size:1.1rem}
.step{padding-top:76px}

/* about */
.about{display:grid;grid-template-columns:240px 1fr;gap:40px;align-items:start}
.about-photo{border-radius:18px;overflow:hidden;border:6px solid #fff;box-shadow:var(--shadow);background:#fff;max-width:240px}
.about-photo img{width:100%}
.about-sign{font-weight:800;margin-top:1.2em}
.about-sign span{display:block;font-weight:600;color:var(--muted)}

/* carriers */
.carriers{display:grid;grid-template-columns:repeat(7,1fr);gap:14px;list-style:none;padding:0;margin:0}
.carriers li{margin:0;background:#fff;border:1px solid var(--line);border-radius:12px;height:100px;display:flex;align-items:center;justify-content:center;padding:14px 18px}
.carriers img{max-height:46px;max-width:100%;width:auto;object-fit:contain}
.carriers img.square{max-height:60px}
.carriers img.tall{max-height:62px}
.carriers img.sm{max-height:40px}
.carriers .text-tile{flex-direction:column;text-align:center;font-weight:800;color:#0B4F9C;line-height:1.2;font-size:.98rem}
.carriers .text-tile small{display:block;font-weight:600;color:var(--muted);font-size:.74rem;margin-top:4px}
.fineprint{font-size:.86rem;color:var(--muted);margin-top:16px}

/* states */
.states{display:flex;flex-wrap:wrap;gap:10px;list-style:none;padding:0;margin:0}
.states li{margin:0;background:#fff;border:1px solid var(--line);border-radius:999px;padding:7px 14px;font-weight:600;font-size:.95rem}
.states li.res{background:var(--green);border-color:var(--green)}

/* callouts */
.callout{border-radius:var(--radius);padding:22px 24px;margin:24px 0;background:var(--lime-soft);border-left:6px solid var(--green)}
.callout h2,.callout h3{font-size:1.15rem;margin-bottom:.4em}
.callout p:last-child{margin-bottom:0}
.callout.warn{background:#FFF7E6;border-left-color:#C77D00}
.callout.disclaimer{background:#fff;border:2px solid var(--ink);border-left-width:6px}
mark.placeholder{background:#FFE14D;color:var(--ink);font-weight:800;padding:0 4px;border-radius:3px;outline:2px dashed #B38F00}
.draft-banner{background:#FFE14D;color:var(--ink);padding:12px 16px;border-radius:10px;font-weight:700;margin-bottom:22px;border:2px dashed #B38F00}

/* content pages */
.content{display:grid;grid-template-columns:1fr 320px;gap:48px;align-items:start}
.prose h2{margin-top:1.6em}
.prose h2:first-child{margin-top:0}
.prose ul li::marker{color:var(--green-dark)}
.checklist{list-style:none;padding:0}
.checklist li{padding-left:30px;position:relative}
.checklist li::before{content:"";position:absolute;left:0;top:.38em;width:18px;height:18px;border-radius:50%;background:var(--green) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%231A1A1A' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5'/%3E%3C/svg%3E") center/12px no-repeat}
.sidebar{position:sticky;top:100px;display:flex;flex-direction:column;gap:18px}
.side-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow)}
.side-card.cta{border-top:6px solid var(--green)}
.side-card h2{font-size:1.15rem}
.side-card ul{list-style:none;padding:0;margin:0}
.side-card li{margin:0;border-bottom:1px solid var(--line)}
.side-card li:last-child{border-bottom:0}
.side-card li a{display:block;padding:8px 2px;text-decoration:none;color:var(--ink);font-size:.95rem}
.side-card li a:hover,.side-card li a[aria-current="page"]{color:var(--green-dark);font-weight:700}
.side-card .btn{width:100%;margin-top:10px}

/* faq */
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:10px;padding:0 18px}
.faq summary{cursor:pointer;font-weight:700;padding:16px 28px 16px 0;list-style:none;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:0;top:12px;font-size:1.4rem;color:var(--green-dark);font-weight:800}
.faq details[open] summary::after{content:"−"}
.faq details p{color:var(--ink-2)}

/* CTA band */
.cta-band{background:var(--green);color:var(--ink);padding:56px 0}
.cta-band .container{display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap}
.cta-band h2{margin:0 0 .25em}
.cta-band p{margin:0;font-size:1.08rem}
.cta-band .btn-row{margin-top:0}
.cta-band .btn-primary{background:var(--ink);color:#fff}
.cta-band .btn-primary:hover{background:#000}

/* forms */
.form-wrap{display:grid;grid-template-columns:1fr 340px;gap:44px;align-items:start}
form.hhi-form{background:#fff;border:1px solid var(--line);border-radius:18px;padding:30px;box-shadow:var(--shadow)}
fieldset{border:0;padding:0;margin:0 0 22px}
legend{font-weight:800;font-size:1.08rem;margin-bottom:12px;padding:0}
.fields{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.field{display:flex;flex-direction:column;gap:6px}
.field.full{grid-column:1/-1}
label{font-weight:600;font-size:.95rem}
.req{color:#B3261E;font-weight:800}
input[type=text],input[type=email],input[type=tel],input[type=number],select,textarea{font:inherit;font-size:1rem;padding:11px 13px;border:1.5px solid #B9C4BC;border-radius:10px;background:#fff;color:var(--ink);width:100%}
input:focus,select:focus,textarea:focus{border-color:var(--green-dark);outline:3px solid rgba(81,179,104,.35);outline-offset:0}
textarea{min-height:110px;resize:vertical}
.hint{font-size:.85rem;color:var(--muted);font-weight:400}
.checks{display:grid;grid-template-columns:repeat(2,1fr);gap:8px 16px}
.check{display:flex;align-items:flex-start;gap:10px;font-weight:500}
.check input{width:20px;height:20px;margin-top:3px;accent-color:var(--green-dark);flex:none}
.consent{background:var(--bg-soft);border:1px solid var(--line);border-radius:12px;padding:16px 18px;font-size:.9rem;color:var(--ink-2)}
.consent .check{font-weight:500}
.medicare-note{display:block;background:var(--lime-soft);border-left:5px solid var(--green);padding:12px 16px;border-radius:8px;font-size:.92rem;margin-top:14px}
.hp{position:absolute!important;left:-9999px!important;width:1px;height:1px;overflow:hidden}
.form-actions{display:flex;align-items:center;gap:16px;flex-wrap:wrap;margin-top:6px}

/* calendly */
.calendly-box{background:#fff;border:1px solid var(--line);border-radius:18px;overflow:hidden;box-shadow:var(--shadow)}
.calendly-inline-widget{min-width:300px;height:760px}

/* footer */
.site-footer{background:#141714;color:#D6DDD7;font-size:.95rem;border-top:8px solid var(--green)}
.site-footer a{color:#fff}
.site-footer a:hover{color:var(--lime)}
.footer-top{display:grid;grid-template-columns:1.25fr 1fr 1fr 1.2fr;gap:36px;padding:54px 0 34px}
.footer-logo{background:#fff;border-radius:14px;padding:14px;display:inline-block;margin-bottom:14px}
.footer-logo img{width:150px}
.site-footer h2{font-size:.9rem;letter-spacing:.12em;text-transform:uppercase;color:var(--lime);margin-bottom:12px}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin:0 0 7px}
.site-footer .tagline{color:var(--lime);font-weight:700;letter-spacing:.04em}
.footer-legal{border-top:1px solid #2C332D;padding:26px 0 34px;font-size:.86rem;color:#B9C2BB}
.footer-legal p{margin-bottom:.8em}
.footer-legal .tpmo{background:#1E231F;border:1px solid #39423A;border-radius:10px;padding:14px 16px;color:#E8EDE9}
.footer-legal mark.placeholder{outline-color:#FFE14D}
.footer-bottom{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap;margin-top:14px}
.footer-bottom ul{display:flex;gap:16px}

/* misc */
.pill{display:inline-block;background:var(--lime);color:var(--ink);font-weight:700;font-size:.8rem;padding:3px 10px;border-radius:999px}
.split{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center}
.contact-list{list-style:none;padding:0;margin:0}
.contact-list li{display:flex;gap:12px;align-items:flex-start;margin-bottom:14px}
.contact-list .icon{width:40px;height:40px;margin:0}
.contact-list .icon svg{width:20px;height:20px}
.table-wrap{overflow-x:auto}
table.compare{width:100%;border-collapse:collapse;background:#fff;border-radius:12px;overflow:hidden;font-size:.95rem}
table.compare th,table.compare td{padding:12px 14px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
table.compare thead th{background:var(--lime-soft)}

@media (max-width:1060px){
  .nav>ul{gap:0}
  .nav a.navlink,.nav button.navlink{padding:10px 8px;font-size:.93rem}
  .footer-top{grid-template-columns:1fr 1fr}
}
@media (max-width:960px){
  .menu-toggle{display:inline-flex}
  .nav{position:fixed;inset:0 0 0 auto;width:min(380px,92vw);background:#fff;box-shadow:-10px 0 40px rgba(0,0,0,.15);transform:translateX(105%);transition:transform .25s;flex-direction:column;align-items:stretch;padding:84px 20px 30px;overflow-y:auto;z-index:70;visibility:hidden}
  .nav.open{transform:none;visibility:visible}
  .nav>ul{flex-direction:column;align-items:stretch}
  .nav a.navlink,.nav button.navlink{width:100%;text-align:left;padding:13px 10px;font-size:1.05rem}
  .nav .btn{margin:14px 0 0}
  .dropdown{position:static;display:none;min-width:0;box-shadow:none;border:0;padding:0 0 8px 12px}
  .has-dd:hover .dropdown,.has-dd:focus-within .dropdown{display:none}
  .has-dd.open .dropdown{display:block}
  .dropdown ul{columns:1}
  .nav-close{position:absolute;top:20px;right:20px}
  .hero .container,.split,.content,.form-wrap{grid-template-columns:1fr}
  .hero-card{max-width:420px}
  .sidebar{position:static}
  .grid-3,.grid-4{grid-template-columns:repeat(2,1fr)}
  .carriers{grid-template-columns:repeat(3,1fr)}
}
@media (min-width:961px){.nav-close{display:none}}
@media (max-width:640px){
  body{font-size:16px}
  section{padding:52px 0}
  .grid-3,.grid-4,.grid-2,.fields,.checks{grid-template-columns:1fr}
  .about{grid-template-columns:1fr}
  .about-photo{max-width:200px}
  .footer-top{grid-template-columns:1fr}
  .topbar .tb-right,.topbar .tb-email{display:none}
  .brand img{width:50px}
  .brand-text .bt1{font-size:1.02rem}
  .brand-text .bt2{font-size:.62rem;letter-spacing:.32em}
  form.hhi-form{padding:20px}
  .btn-row .btn{width:100%}
  .calendly-inline-widget{height:1000px}
  .carriers{grid-template-columns:repeat(2,1fr)}
}
body.nav-open{overflow:hidden}
.scrim{display:none}
body.nav-open .scrim{display:block;position:fixed;inset:0;background:rgba(0,0,0,.35);z-index:60}
@media print{.topbar,.site-header,.cta-band,.sidebar{display:none}}
body.nav-open .site-header{z-index:80}
[hidden]{display:none!important}
.form-wrap>*,.content>*,.split>*,.hero .container>*{min-width:0}
.term-whole{margin:8px 0 24px}.tw-cards{margin:16px 0 24px}.tw-cards .card p{font-size:.95rem}
.table-wrap{overflow-x:auto;margin:12px 0}.compare{width:100%;border-collapse:collapse;font-size:.95rem}
.compare th,.compare td{border:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top}
.compare thead th{background:#eef6ee}.compare tbody th{background:#fafafa;font-weight:700}
.dd-sub{list-style:none;margin:2px 0 4px;padding-left:14px;border-left:2px solid var(--line)}.dd-sub a{font-size:.9em}
@media (max-width:900px){.tw-cards.grid-3{grid-template-columns:1fr}}
.dropdown ul.dd-sub{display:block;columns:auto;grid-template-columns:none}.dropdown .dd-sub li a{padding:3px 8px}
.trust a{color:inherit;text-decoration:underline;text-underline-offset:3px}.tb-right a{color:inherit}
#licensed-states{scroll-margin-top:90px}
.advocacy{max-width:780px;margin:0 auto;text-align:center;border-left:0;padding:8px 0}.advocacy h2{color:var(--green-dark)}
.about-exp{background:#eef6ee;border-left:4px solid var(--green-dark);padding:12px 16px;border-radius:8px}
@media (max-width:600px){.trust{flex-direction:column;gap:10px}}

/* ============ 2026 REDESIGN (conversion-focused) ============ */
:root{--forest:#123821;--forest-2:#1F5A30;--radius:16px;--font:"Inter","Segoe UI",system-ui,-apple-system,Roboto,Arial,sans-serif}
body{font-size:17px;background:#fff}
h1,h2,h3{letter-spacing:-.025em}
section{padding:80px 0}
.topbar{background:var(--forest);color:#e8f3e1}
.topbar a,.topbar .tb-right a{color:#fff}
.topbar a:hover{color:var(--lime)}
.site-header{background:rgba(255,255,255,.94);backdrop-filter:saturate(1.4) blur(10px);box-shadow:0 1px 0 var(--line)}
.site-header .container{min-height:72px}
.navphone{font-weight:800;color:var(--ink);text-decoration:none;padding:10px 8px;white-space:nowrap}
.navphone:hover{color:var(--green-dark)}
.btn{border-radius:10px;font-weight:800}
.btn-cta{background:var(--green);color:var(--ink);box-shadow:0 4px 0 #3a8f50,0 8px 20px rgba(81,179,104,.35)}
.btn-cta:hover{background:#62c479;color:var(--ink);transform:translateY(-2px)}
.btn-light{background:#fff;color:var(--forest);border-color:#fff}
.btn-light:hover{background:var(--lime-soft);color:var(--forest)}
.btn-lg{padding:16px 28px;font-size:1.08rem}
.btn-block{width:100%}
.btn-back{background:none;border:2px solid var(--line);color:var(--ink)}
.center-row{display:flex;flex-wrap:wrap;gap:12px;justify-content:center;margin-top:34px}
.section-head.center{text-align:center;margin-left:auto;margin-right:auto}
.eyebrow{color:var(--green-dark);background:var(--lime-soft);padding:5px 12px;border-radius:999px;font-size:.74rem}
.eyebrow-light{background:rgba(196,219,154,.18);color:var(--lime)}
.section-soft{background:#F4F8F0}

/* hero */
.hx{background:radial-gradient(1200px 500px at 85% -10%,rgba(81,179,104,.45),transparent 60%),linear-gradient(160deg,var(--forest) 0%,var(--forest-2) 100%);color:#fff;padding:64px 0 34px}
.hx-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:48px;align-items:center}
.hx h1{color:#fff;font-size:clamp(2.2rem,4.6vw,3.5rem);line-height:1.08;margin-bottom:.45em}
.hx h1 span{color:var(--lime)}
.hx-kicker{display:inline-block;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);padding:6px 14px;border-radius:999px;font-weight:700;font-size:.88rem;color:#e8f3e1;margin-bottom:18px}
.hx-lead{font-size:1.2rem;color:#e3eedd;max-width:600px}
.hx-ctas{margin-top:26px}
.hx-call{display:inline-flex;gap:12px;align-items:center;margin-top:24px;color:#fff;text-decoration:none}
.hx-call-ic{display:grid;place-items:center;width:46px;height:46px;border-radius:50%;background:var(--green);color:var(--ink)}
.hx-call span{display:flex;flex-direction:column;line-height:1.25;font-size:.9rem;color:#d6e6cf}
.hx-call strong{font-size:1.45rem;color:#fff}
.hx-call small{font-size:.8rem}
.hx-call:hover strong{color:var(--lime)}
.qq{background:#fff;color:var(--ink);border-radius:20px;padding:28px;box-shadow:0 30px 60px rgba(0,0,0,.3);border-top:6px solid var(--green)}
.qq h2{font-size:1.5rem;margin-bottom:.2em}
.qq-sub{color:var(--muted);margin-bottom:16px}
.qq label{display:block;font-weight:700;font-size:.92rem;margin:12px 0 6px}
.qq input,.qq select{width:100%;padding:14px;border:2px solid var(--line);border-radius:10px;font:inherit;background:#fff}
.qq input:focus,.qq select:focus{border-color:var(--green-dark);outline:none}
.qq .btn{margin-top:18px}
.qq-fine{font-size:.82rem;color:var(--muted);text-align:center;margin:12px 0 0}
.hx-trust{list-style:none;padding:20px 0 0;margin:40px 0 0;border-top:1px solid rgba(255,255,255,.15);display:flex;flex-wrap:wrap;gap:12px 32px;color:#e8f3e1;font-weight:700;font-size:.95rem}
.hx-trust li{display:flex;gap:8px;align-items:center;margin:0}
.hx-trust svg{color:var(--lime)}
.hx-trust a{color:#fff;text-decoration:underline;text-underline-offset:3px}

/* carrier strip */
.logo-strip{padding:26px 0;border-bottom:1px solid var(--line)}
.ls-h{font-size:.8rem;text-transform:uppercase;letter-spacing:.14em;color:var(--muted);text-align:center;margin-bottom:14px;font-weight:800}
.cstrip{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;justify-content:center;align-items:center;gap:14px 30px}
.cstrip li{margin:0}
.cstrip img{height:28px;width:auto;filter:grayscale(1);opacity:.75}
.cstrip li.t{font-weight:800;color:var(--muted)}

/* product cards */
.pcards .card{border:1px solid var(--line);box-shadow:0 2px 10px rgba(18,56,33,.05);transition:transform .15s,box-shadow .15s,border-color .15s}
a.card:hover{transform:translateY(-4px);box-shadow:0 14px 30px rgba(18,56,33,.12);border-color:var(--green)}
.card .more{color:var(--green-dark)}

/* steps */
.steps3{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(3,1fr);gap:22px;counter-reset:none}
.steps3 li{background:#fff;border-radius:var(--radius);padding:28px;margin:0;box-shadow:0 2px 10px rgba(18,56,33,.06);position:relative}
.steps3 .n{display:grid;place-items:center;width:44px;height:44px;border-radius:12px;background:var(--forest);color:var(--lime);font-weight:900;font-size:1.2rem;margin-bottom:14px}

/* advocacy band */
.adv-band{background:var(--forest);color:#e3eedd}
.adv-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:center}
.adv-band h2{color:#fff;font-size:clamp(1.7rem,3.2vw,2.5rem)}
.adv-band p{font-size:1.12rem}
.adv-list{list-style:none;padding:0;margin:0;display:grid;gap:12px}
.adv-list li{display:flex;gap:10px;align-items:flex-start;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);padding:14px 16px;border-radius:12px;margin:0}
.adv-list svg{color:var(--lime);flex:none;margin-top:3px}
.adv-list strong{color:#fff}.adv-list a{color:#fff}

/* page hero (inner pages) */
.page-hero{background:linear-gradient(160deg,var(--forest),var(--forest-2));color:#e3eedd;border:0;padding:44px 0 46px}
.page-hero h1{color:#fff}
.page-hero .lead{color:#e3eedd}
.page-hero .breadcrumb,.page-hero .breadcrumb li{color:#c8dcc0}
.page-hero .breadcrumb a{color:#fff}
.page-hero .btn-primary{background:var(--green);color:var(--ink)}
.page-hero .btn-outline{background:transparent;color:#fff;border-color:#fff}

/* in-page CTAs */
.mid-cta{display:flex;flex-wrap:wrap;gap:16px;align-items:center;justify-content:space-between;background:var(--lime-soft);border:1px solid var(--lime);border-left:6px solid var(--green);border-radius:14px;padding:18px 20px;margin:28px 0}
.mid-cta strong{display:block;font-size:1.1rem}
.mid-cta span{color:var(--ink-2);font-size:.95rem}
.mid-cta .btn-row{margin:0}
.end-cta{background:linear-gradient(160deg,var(--forest),var(--forest-2));color:#e3eedd;border-radius:18px;padding:30px;margin:34px 0 20px}
.end-cta h2{color:#fff;margin-top:0}
.prose .end-cta h2{margin-top:0}
.cta-band{background:var(--green)!important;color:var(--ink)}
.cta-band h2,.cta-band p{color:var(--ink)}
.cta-band .btn-primary{background:var(--forest);color:#fff}

/* quote form steps */
.qsteps{display:none;list-style:none;padding:0;margin:0 0 20px;gap:8px}
.stepped .qsteps{display:flex}
.qsteps li{flex:1;text-align:center;padding:10px;border-radius:10px;background:#F1F4EF;font-weight:800;color:var(--muted);margin:0}
.qsteps li.on{background:var(--forest);color:#fff}
.js-only{display:none}.stepped .js-only{display:inline-flex}
.stepped .form-actions.js-only{display:flex}
details.optional{border:1px dashed var(--line);border-radius:12px;padding:12px 16px;margin:12px 0}
details.optional summary{cursor:pointer;font-weight:700;color:var(--green-dark)}

/* sticky mobile CTA bar */
.mbar{display:none}
@media (max-width:900px){
  .hx-grid,.adv-grid{grid-template-columns:1fr}
  .steps3{grid-template-columns:1fr}
  .hx{padding:36px 0 28px}
  .navphone{display:none}
  .mbar{display:grid;grid-template-columns:1fr 1.3fr 1fr;position:fixed;left:0;right:0;bottom:0;z-index:80;background:#fff;box-shadow:0 -4px 20px rgba(0,0,0,.15);padding:8px 8px calc(8px + env(safe-area-inset-bottom));gap:8px}
  .mbar a{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:2px;padding:8px 4px;border-radius:10px;text-decoration:none;color:var(--forest);font-weight:800;font-size:.85rem;border:2px solid var(--line)}
  .mbar a.mbar-main{background:var(--green);color:var(--ink);border-color:var(--green)}
  body{padding-bottom:78px}
  .hx-trust{flex-direction:column;gap:10px}
}
/* state pages */
.states li a{color:inherit;text-decoration:none;display:block}
.states li:hover{border-color:var(--green);background:var(--lime-soft)}
.states li.res:hover{background:var(--green)}
.states li a:focus-visible{outline:3px solid var(--green-dark)}
.states-links li a{padding:2px 4px}
.state-lic{display:flex;flex-direction:column;gap:2px;background:var(--lime-soft);border-left:6px solid var(--green);border-radius:12px;padding:14px 18px;margin-bottom:24px}
.state-lic strong{font-size:1.15rem}
.state-carriers{margin:10px 0 18px}
/* life story */
.story{padding:48px 0 24px}
.story-card{display:grid;grid-template-columns:280px 1fr;gap:40px;align-items:center;background:linear-gradient(160deg,var(--forest),var(--forest-2));color:#e3eedd;border-radius:24px;padding:40px;box-shadow:0 24px 50px rgba(18,56,33,.25);border-left:8px solid var(--green)}
.story-photo{margin:0;text-align:center}
.story-photo img{border-radius:18px;border:4px solid var(--lime);width:100%;height:auto}
.story-photo figcaption{margin-top:12px;font-weight:800;color:#fff;display:flex;flex-direction:column}
.story-photo figcaption span{font-weight:600;font-size:.85rem;color:#c8dcc0}
.story h2{color:#fff;font-size:clamp(1.7rem,3vw,2.4rem)}
.story-text p{font-size:1.1rem;line-height:1.7}
.story-close{font-size:1.35rem!important;font-weight:800;color:var(--lime);margin-top:6px}
.story-fine{margin-top:12px}
.story-teaser{background:var(--lime-soft);border-left:5px solid var(--green);padding:12px 16px;border-radius:10px;font-weight:600}
#my-story{scroll-margin-top:90px}
@media (max-width:900px){.story-card{grid-template-columns:1fr;padding:26px}.story-photo img{max-width:160px;margin:0 auto}}
/* svg phone in top bar (replaces emoji) */
.tb-phone{display:inline-flex;align-items:center;gap:6px}
.tb-phone svg{color:var(--lime)}
.menu-toggle svg,.nav-close svg{vertical-align:-3px;margin-right:2px}
.navphone::before{content:none}
.hx-call-ic svg,.mbar svg{color:currentColor}
.cq{background:#eef8f1;border:2px solid #51B368;border-radius:14px;padding:24px;margin:28px 0}
.cq h2{margin-top:0}.cq-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:16px;margin:16px 0}
.cq-card{background:#fff;border-radius:10px;padding:16px;box-shadow:0 1px 4px rgba(0,0,0,.08);display:flex;flex-direction:column}
.cq-card h3{margin:0 0 6px;font-size:1.05rem}.cq-card p{flex:1;font-size:.95rem}.cq-card .btn{text-align:center;justify-content:center}
.cq-note{font-size:.9rem;margin:0}.cq-wrap{padding-top:0}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}

.sq{padding-top:40px}.sq-tabs{display:flex;flex-wrap:wrap;gap:8px;margin:12px 0 18px}
.sq-tab{display:inline-block;padding:10px 14px;border:2px solid #51B368;border-radius:999px;font-weight:600;text-decoration:none;color:inherit;background:#fff}
.sq-tab.on,.sq-tab:hover{background:#51B368;color:#fff}
.sq-panels{display:grid;gap:16px}.sq-panel{background:#eef8f1;border:2px solid #51B368;border-radius:14px;padding:20px}
.sq-panel h3{margin-top:0}.sq-panel .btn-row{flex-wrap:wrap;gap:10px}
.sq-panel[hidden]{display:none}
.cq-grid.cq-4{grid-template-columns:repeat(4,minmax(0,1fr))}
@media (max-width:1100px){.cq-grid.cq-4{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:600px){.cq-grid.cq-4,.cq-grid.cq-3{grid-template-columns:1fr}}
.cq-card .btn{white-space:normal;line-height:1.25;padding:12px 14px}
.hh-welcome{display:flex;flex-wrap:wrap;align-items:center;gap:10px;background:#eef8f1;border:1px solid #51B368;border-radius:10px;padding:10px 14px;margin:0 0 14px;font-size:.95rem}
/* Home hero: lighter split background + Hollen's headshot (Nov 2026) */
.hx{background:radial-gradient(900px 420px at 80% 0%,rgba(81,179,104,.22),transparent 65%),linear-gradient(180deg,#F5FAF3 0%,#E9F4E6 100%);color:var(--ink);border-bottom:6px solid var(--green)}
.hx h1{color:var(--forest)}.hx h1 span{color:var(--green-dark)}
.hx-kicker{background:#fff;border:1px solid var(--lime);color:var(--green-deep)}
.hx-lead{color:var(--ink-2)}.hx-quote{color:var(--forest);font-weight:700}
.hx-call{color:var(--ink)}.hx-call span{color:var(--muted)}.hx-call strong{color:var(--forest)}.hx-call:hover strong{color:var(--green-dark)}
.hx-trust{border-top:1px solid var(--line);color:var(--ink-2)}.hx-trust svg{color:var(--green-dark)}.hx-trust a{color:var(--green-deep)}
.hx .qq{box-shadow:0 20px 45px rgba(18,56,33,.16)}
.hx-grid{grid-template-columns:1.15fr .62fr .85fr;gap:36px}
.hx-photo{margin:0;position:relative;align-self:center}
.hx-photo img{display:block;width:100%;height:auto;aspect-ratio:4/5;object-fit:cover;border-radius:22px;border:6px solid #fff;box-shadow:0 18px 40px rgba(18,56,33,.18)}
.hx-photo figcaption{position:absolute;left:50%;bottom:-16px;transform:translateX(-50%);white-space:nowrap;background:#fff;border:1px solid var(--lime);border-radius:999px;padding:6px 14px;font-size:.8rem;box-shadow:0 6px 16px rgba(0,0,0,.1);text-align:center;line-height:1.25}
.hx-photo figcaption strong{display:block;color:var(--forest);font-size:.88rem}.hx-photo figcaption span{color:var(--green-dark);font-weight:700}
@media (max-width:1100px) and (min-width:901px){.hx-grid{grid-template-columns:1.2fr .8fr}.hx-photo{grid-row:1;grid-column:2}.hx .qq{grid-column:1/-1}}
@media (max-width:900px){
  .hx-grid{grid-template-columns:1fr;gap:22px}.hx-photo{order:-1;display:flex;align-items:center;gap:14px}
  .hx-photo picture{flex:0 0 96px}.hx-photo img{width:96px;height:96px;aspect-ratio:1;object-position:50% 15%;border-radius:50%;border-width:4px}
  .hx-photo figcaption{position:static;transform:none;white-space:normal;text-align:left;box-shadow:none;border-radius:14px}
}
/* Hero v2: large arch portrait (Nov 2026) */
.hx2{padding:56px 0 30px;overflow:hidden}
.hx2 .hx-grid{grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
.hx2 h1{font-size:clamp(2.3rem,4.4vw,3.6rem)}
.hx-visual{position:relative;justify-self:center;width:100%;max-width:500px;padding:10px 0 20px}
.hx-blob{position:absolute;inset:6% -8% 0 4%;background:linear-gradient(160deg,#BFE3C8 0%,#51B368 100%);border-radius:48% 52% 44% 56%/40% 38% 62% 60%;opacity:.55;z-index:0}
.hx-dot{position:absolute;width:110px;height:110px;border-radius:50%;background:var(--lime);top:-6px;right:-10px;opacity:.7;z-index:0}
.hx-photo2{position:relative;z-index:1;margin:0 auto;width:86%}
.hx-photo2 img{display:block;width:100%;height:auto;aspect-ratio:4/5;object-fit:cover;object-position:50% 20%;border-radius:999px 999px 40px 40px;box-shadow:0 30px 60px rgba(18,56,33,.22)}
.hx-chip{position:absolute;z-index:2;margin:0;background:#fff;border-radius:14px;box-shadow:0 12px 28px rgba(18,56,33,.18);padding:10px 16px;font-size:.85rem;line-height:1.3}
.hx-chip strong{display:block;color:var(--forest);font-size:.95rem}.hx-chip span{color:var(--green-dark);font-weight:700}
.hx-chip-a{left:-4%;bottom:12%}
.hx-chip-b{right:-2%;bottom:12%;display:flex;align-items:center;gap:8px;font-weight:800;color:var(--forest)}
.hx-chk{display:grid;place-items:center;width:24px;height:24px;border-radius:50%;background:var(--green-dark)}
.hx2 .hx-call-ic{background:var(--green-dark);color:#fff}
.hx2 .hx-call-ic svg{display:block}
.qq-bar{margin-top:22px;padding:18px 20px;border-radius:16px;border-top:0;border-left:5px solid var(--green);box-shadow:0 14px 34px rgba(18,56,33,.12);max-width:640px}
.qq-bar h2{font-size:1.05rem;margin:0 0 8px}.qq-bar h2 span{font-weight:500;color:var(--muted);font-size:.88rem;margin-left:6px}
.qq-row{display:grid;grid-template-columns:.8fr 1.2fr auto;gap:10px;align-items:end}
.qq-bar label{margin:0 0 4px;font-size:.82rem}.qq-bar input,.qq-bar select{padding:11px 12px}
.qq-bar .btn{margin:0;white-space:nowrap;padding:12px 18px}
.qq-bar .hh-welcome{margin-bottom:10px}
@media (max-width:1100px) and (min-width:901px){.hx2 .hx-grid{grid-template-columns:1.15fr .85fr;gap:28px}.qq-row{grid-template-columns:1fr 1fr}.qq-bar .btn{grid-column:1/-1}}
@media (max-width:900px){
  .hx2{padding:24px 0 24px}
  .hx2 .hx-grid{grid-template-columns:1fr;gap:8px}
  .hx-visual{order:-1;max-width:300px;padding:0 0 8px}
  .hx-photo2{width:78%}
  .hx-photo2 img{aspect-ratio:1/1;object-position:50% 18%;border-radius:999px 999px 28px 28px}
  .hx-dot{width:70px;height:70px}
  .hx-chip{padding:7px 12px;font-size:.78rem}.hx-chip strong{font-size:.85rem}
  .hx-chip-a{left:-6%;bottom:6%}.hx-chip-b{right:auto;left:-6%;bottom:calc(6% + 62px)}
  .qq-row{grid-template-columns:1fr}
  .qq-bar h2 span{display:block;margin:2px 0 0}
}
.hx2 .hx-call span.hx-call-ic{display:grid;place-items:center;flex:0 0 46px}
@media (max-width:900px){.hx-chip-b{top:auto;right:auto;left:-6%;bottom:calc(4% + 56px)}.hx2 .hx-kicker{display:none}.hx-chip-a{bottom:4%}}
@media (max-width:1180px) and (min-width:901px){.hx-chip-b{right:auto;left:-4%;bottom:calc(12% + 66px)}}
/* OEP sticky banner (Nov 2026) */
:root{--oep-h:44px}
.oep-banner{position:sticky;top:0;z-index:70;display:flex;align-items:center;justify-content:center;flex-wrap:wrap;gap:4px 14px;min-height:var(--oep-h);padding:6px 16px;background:#D6006F;color:#fff;text-decoration:none;font-size:.95rem;line-height:1.25;text-align:center;box-shadow:0 2px 8px rgba(214,0,111,.3);transition:background .15s}
.oep-banner strong{text-transform:uppercase;letter-spacing:.04em;font-weight:900}
.oep-banner .oep-dates{font-weight:600;opacity:.95}
.oep-cta{font-weight:800;background:rgba(255,255,255,.18);border-radius:999px;padding:3px 12px}
.oep-short{display:none}
.oep-banner:hover,.oep-banner:focus-visible{background:#B0005B;color:#fff}.oep-banner:hover .oep-cta{background:rgba(255,255,255,.3)}
.oep-banner:focus-visible{outline:3px solid #fff;outline-offset:-5px}
.site-header{top:var(--oep-h)}
html{scroll-padding-top:calc(var(--oep-h) + 90px)}
[id]{scroll-margin-top:calc(var(--oep-h) + 90px)}
@media (max-width:700px){:root{--oep-h:40px}.oep-banner{font-size:.82rem;gap:2px 8px;padding:5px 10px}.oep-dates,.oep-long{display:none}.oep-short{display:inline}.oep-cta{padding:2px 10px}}
@media print{.oep-banner{display:none}}
.oep-banner{height:var(--oep-h);min-height:0;box-sizing:border-box;overflow:hidden}
@media (max-width:700px){:root{--oep-h:50px}}
@media (max-width:1100px){.oep-dates{display:none}}
@media (max-width:900px){:root{--oep-h:50px}.oep-banner{font-size:.82rem;gap:2px 8px;padding:5px 10px}.oep-long{display:none}.oep-short{display:inline}.oep-cta{padding:2px 10px}}
/* OEP date phases (set on <html> by inline head script) */
.oep-x,.oep-d2{display:none}
html.oep-ext .oep-x{display:inline}
html.oep-ext .oep-d1{display:none}
html.oep-ext .oep-d2{display:inline}
@media (max-width:1100px){html.oep-ext .oep-d2{display:none}}
@media (max-width:900px){html.oep-ext .oep-hn{display:none}}
html.oep-off .oep-banner{display:none}
html.oep-off{--oep-h:0px}