*{box-sizing:border-box}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:#18324d;background:#fff}
a{color:inherit}.container{max-width:1160px;margin:auto;padding:0 22px}
header{border-bottom:1px solid #e4eaf1;background:#fff}.head{height:88px;display:flex;align-items:center;justify-content:space-between;gap:30px}
.brand img{width:185px;max-height:70px;object-fit:contain}.nav{display:flex;gap:26px;font-weight:700;font-size:14px}.nav a{text-decoration:none;color:#153d6c}
.hero{background:linear-gradient(125deg,#edf6ff,#fff 65%);padding:58px 0}.eyebrow{font-size:12px;font-weight:800;letter-spacing:1.2px;color:#e5232e;text-transform:uppercase}
h1{font-size:46px;line-height:1.08;color:#073f7d;margin:10px 0 16px;max-width:850px}.lead{font-size:19px;line-height:1.65;color:#4a5d70;max-width:860px}
.hero-actions{display:flex;gap:12px;margin-top:25px}.btn{display:inline-block;text-decoration:none;border-radius:8px;padding:13px 20px;font-weight:800}.primary{background:#0768c8;color:#fff}.secondary{border:1px solid #b8c7d8;background:#fff;color:#07457f}
section{padding:54px 0}.section-title{font-size:34px;color:#073f7d;margin:5px 0 12px}.intro{color:#56697b;line-height:1.65;max-width:880px}
.quote{background:#f7faff;border:1px solid #dce7f2;border-radius:18px;padding:27px;margin-top:-22px;position:relative;box-shadow:0 10px 28px rgba(18,59,98,.08)}
.formgrid{display:grid;grid-template-columns:1.2fr 1fr 1.2fr auto;gap:14px;align-items:end}.field label{display:block;font-weight:700;margin-bottom:7px}.field select,.field input{width:100%;padding:13px;border:1px solid #c8d5e3;border-radius:8px;background:#fff}
.providers{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:28px}.provider{border:1px solid #dce5ef;border-radius:16px;padding:24px;background:#fff;box-shadow:0 8px 22px rgba(14,51,87,.06)}
.provider img{height:42px;max-width:155px;object-fit:contain;object-position:left center}.price{font-size:31px;font-weight:900;color:#073f7d;margin:18px 0 2px}.small{font-size:13px;color:#667789;line-height:1.55}.tag{display:inline-block;background:#edf5ff;color:#07569d;padding:5px 9px;border-radius:20px;font-size:11px;font-weight:800;margin-top:12px}
.provider .btn{display:block;text-align:center;margin-top:17px}.details{display:block;text-align:center;margin-top:12px;color:#075da9;font-weight:700;text-decoration:none}
.tablewrap{overflow:auto;border:1px solid #dfe7ef;border-radius:14px;margin-top:25px}table{width:100%;border-collapse:collapse;min-width:760px}th{background:#073f7d;color:#fff;padding:15px;text-align:left}td{padding:14px 15px;border-bottom:1px solid #e4eaf0}.yes{color:#138348;font-weight:800}.no{color:#9b3340;font-weight:800}
.info-grid,.guide-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:25px}.info,.guide{border:1px solid #dce5ef;border-top:4px solid #e5232e;border-radius:12px;padding:21px;background:#fff}.info h3,.guide h3{color:#073f7d;margin-top:0}.guide{text-decoration:none;transition:.18s}.guide:hover{transform:translateY(-3px);box-shadow:0 9px 20px rgba(20,55,90,.09)}
.faq details{border-bottom:1px solid #dfe6ed;padding:17px 2px}.faq summary{font-weight:800;color:#123f6d;cursor:pointer}.faq p{color:#56697b;line-height:1.65}
.notice{background:#fff8e8;border-left:4px solid #d99b15;padding:16px 18px;border-radius:8px;margin-top:20px;color:#536170;line-height:1.6}
footer{background:#092f58;color:#dbe8f5;padding:40px 0}.foot{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}.foot img{width:175px;background:#fff;border-radius:6px;padding:5px}.foot a{display:block;text-decoration:none;margin:8px 0;color:#dbe8f5}.disclaimer{font-size:12px;line-height:1.55;color:#b9cce0;margin-top:25px}

.comparison-table{display:grid;grid-template-columns:1.15fr repeat(3,1fr);margin-top:28px;border:1px solid #dbe5ef;border-radius:16px;overflow:hidden;background:#fff;box-shadow:0 8px 24px rgba(14,51,87,.06)}
.compare-head{padding:22px 18px;border-right:1px solid #dfe7ef;border-bottom:1px solid #dfe7ef;background:#f8fbff}
.feature-head{display:flex;align-items:center;color:#073f7d;font-size:17px}
.insurer-head{text-align:center}
.insurer-head img{display:block;width:auto!important;height:42px!important;max-width:150px!important;object-fit:contain;margin:0 auto 10px}
.insurer-head .tag{display:block;width:max-content;margin:4px auto 8px}
.insurer-head .price{margin:8px 0 3px}
.feature-cell,.value-cell{padding:15px 17px;border-right:1px solid #e3e9ef;border-bottom:1px solid #e3e9ef;display:flex;align-items:center}
.feature-cell{font-weight:700;color:#264762;background:#fbfcfe}
.value-cell{justify-content:center;text-align:center;color:#44596d}
.action-label{border-bottom:0}
.action-cell{display:block;border-bottom:0;padding:18px 14px}
.action-cell .btn{display:block;padding:11px 8px;font-size:13px}
.action-cell .details{margin-top:10px}
.comparison-table>*:nth-child(4n){border-right:0}

.price-info{position:relative;display:inline-flex;align-items:center;justify-content:center;width:18px;height:18px;margin-left:4px;border-radius:50%;background:#e4f1ff;color:#07569d;font-size:12px;font-weight:900;vertical-align:middle;cursor:help}
.price-info .tip{visibility:hidden;opacity:0;position:absolute;z-index:30;width:270px;left:50%;bottom:27px;transform:translateX(-50%);background:#173d63;color:#fff;font-size:12px;font-weight:500;line-height:1.45;text-align:left;padding:11px 12px;border-radius:8px;box-shadow:0 8px 20px rgba(0,0,0,.16);transition:.15s}
.price-info:hover .tip,.price-info:focus .tip{visibility:visible;opacity:1}
.visa-row{background:#f0fbf4!important}

@media(max-width:800px){
 .comparison-table{display:block}
 .feature-head,.action-label{display:none}
 .insurer-head{border-right:0}
 .insurer-head img{height:40px!important;max-width:140px!important}
 .feature-cell{background:#eef5fb;border-right:0}
 .value-cell{border-right:0}
 .action-cell{padding-bottom:25px}
}

@media(max-width:800px){.nav{display:none}h1{font-size:36px}.formgrid,.providers,.info-grid,.guide-grid,.foot{grid-template-columns:1fr}.quote{margin-top:0}}


/* V6 polished 870 comparison */
.comparison-table{border-radius:20px!important;box-shadow:0 14px 38px rgba(7,63,125,.10)!important;border-color:#cddfed!important}
.compare-head{padding:26px 20px!important;background:linear-gradient(180deg,#f9fcff,#f2f8fd)!important}
.insurer-head img{height:45px!important;max-width:160px!important;margin-bottom:12px!important}
.insurer-head .price{font-size:27px!important;line-height:1.1!important;color:#073f7d!important;font-weight:900!important}
.insurer-head .small{line-height:1.45!important;color:#536b80!important}
.feature-cell,.value-cell{min-height:52px;padding:13px 18px!important}
.feature-cell{font-size:14px!important;color:#073f7d!important}
.value-cell{font-size:14px!important}
.value-cell.yes{color:#078a43!important;font-weight:800!important}
.value-cell.no{color:#d9292f!important;font-weight:800!important}
.visa-row{background:linear-gradient(90deg,#effbf3,#e8f8ee)!important}
.price-info,.feature-info{position:relative;display:inline-flex;flex:0 0 auto;align-items:center;justify-content:center;width:18px;height:18px;margin-left:7px;border-radius:50%;background:#4c9df6;color:#fff;font-size:11px;font-weight:900;vertical-align:middle;cursor:help}
.price-info{width:19px;height:19px;background:#267be8}
.price-info .tip,.feature-info .tip{visibility:hidden;opacity:0;position:absolute;z-index:100;width:280px;left:50%;bottom:29px;transform:translateX(-50%);background:#fff;color:#29445e;border:1px solid #cfe0ef;font-size:12px;font-weight:500;line-height:1.5;text-align:left;padding:13px 14px;border-radius:12px;box-shadow:0 12px 30px rgba(17,55,91,.18);transition:opacity .15s}
.price-info .tip:after,.feature-info .tip:after{content:"";position:absolute;left:50%;bottom:-6px;width:11px;height:11px;background:#fff;border-right:1px solid #cfe0ef;border-bottom:1px solid #cfe0ef;transform:translateX(-50%) rotate(45deg)}
.price-info:hover .tip,.price-info:focus .tip,.feature-info:hover .tip,.feature-info:focus .tip{visibility:visible;opacity:1}
.action-cell .btn{border-radius:9px!important;font-weight:800!important;box-shadow:0 6px 14px rgba(0,92,184,.12)}
.action-cell .details{display:block!important;text-align:center!important;font-weight:800!important;color:#0666c7!important}
.action-label{font-weight:800!important}
@media(max-width:800px){
 .comparison-table{border-radius:14px!important}
 .price-info .tip,.feature-info .tip{width:220px;left:auto;right:-15px;transform:none}
 .price-info .tip:after,.feature-info .tip:after{left:auto;right:17px;transform:rotate(45deg)}
}

/* V7 richer price tooltips */
.price-info .tip{width:300px!important;line-height:1.6!important}
.price-info .tip strong{display:block;color:#073f7d;font-size:13px;margin-bottom:5px}
.price-info .tip small{display:block;margin-top:6px;color:#667d91;line-height:1.4}

/* V8 price tooltip readability fix */
.comparison-table{overflow:visible!important}
.price-info{z-index:20}
.price-info .tip{
 width:315px!important;
 padding:15px 16px!important;
 white-space:normal!important;
 overflow:visible!important;
 left:50%!important;
 right:auto!important;
 bottom:30px!important;
 transform:translateX(-50%)!important;
 color:#29445e!important;
 background:#fff!important;
}
.price-info .tip strong{display:block!important;font-size:14px!important;color:#073f7d!important;margin:0 0 9px!important}
.tip-grid{display:grid!important;grid-template-columns:1fr auto!important;gap:5px 18px!important;border-top:1px solid #e3edf5!important;border-bottom:1px solid #e3edf5!important;padding:8px 0!important;margin:0 0 8px!important}
.tip-grid span{color:#536b80!important}
.tip-grid b{color:#073f7d!important;text-align:right!important}
.price-info .tip small{font-size:11px!important;color:#6b7f91!important;margin-top:7px!important}
.insurer-head:first-of-type .price-info .tip{left:0!important;transform:translateX(-18%)!important}
@media(max-width:800px){
 .price-info .tip{position:fixed!important;left:50%!important;right:auto!important;bottom:auto!important;top:20%!important;transform:translateX(-50%)!important;width:min(315px,85vw)!important}
}

.consider-section{padding:68px 0;background:linear-gradient(180deg,#f6fbff,#fff)}
.consider-intro{max-width:850px;color:#536b80;line-height:1.7;margin:10px 0 28px}
.consider-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:15px}
.consider-card{background:#fff;border:1px solid #dbe8f2;border-radius:16px;padding:21px;box-shadow:0 8px 24px rgba(7,63,125,.06);transition:.15s}
.consider-card:hover{transform:translateY(-2px);box-shadow:0 12px 28px rgba(7,63,125,.10)}
.consider-card.featured{border-color:#b9dec7;background:linear-gradient(180deg,#f2fbf5,#fff)}
.consider-icon{display:flex;align-items:center;justify-content:center;width:46px;height:42px;border-radius:11px;background:#eaf4ff;color:#07569d;font-size:11px;font-weight:900;margin-bottom:14px}
.consider-card.featured .consider-icon{background:#e2f6e9;color:#087f3f}
.consider-card h3{font-size:16px;color:#073f7d;margin:0 0 8px}
.consider-card p{font-size:13px;line-height:1.6;color:#586f82;margin:0}
.consider-note{margin-top:20px;padding:15px 18px;border-radius:12px;background:#fff8e8;border:1px solid #f1dfae;color:#5d5543;font-size:13px;line-height:1.55}
@media(max-width:1000px){.consider-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:600px){.consider-grid{grid-template-columns:1fr}.consider-section{padding:48px 0}}

/* V10 870 guides hub */
.guide-hub{padding:70px 0;background:#fff}
.guide-intro{max-width:800px;color:#536b80;line-height:1.7;margin:10px 0 28px}
.guide-feature-grid{display:grid;grid-template-columns:1.18fr 1fr 1fr;gap:18px}
.guide-card{position:relative;display:block;text-decoration:none;background:#fff;border:1px solid #dbe8f2;border-radius:18px;padding:26px;box-shadow:0 9px 26px rgba(7,63,125,.07);overflow:hidden;transition:.18s}
.guide-card:hover{transform:translateY(-3px);box-shadow:0 14px 32px rgba(7,63,125,.12);border-color:#a9cce9}
.guide-card.guide-main{background:linear-gradient(145deg,#073f7d,#0968b7);border-color:#073f7d}
.guide-number{position:absolute;right:18px;top:12px;font-size:44px;line-height:1;font-weight:900;color:#e8f2fa}
.guide-main .guide-number{color:rgba(255,255,255,.12)}
.guide-label{display:inline-block;background:#eaf4ff;color:#07569d;border-radius:999px;padding:5px 10px;font-size:10px;font-weight:900;text-transform:uppercase;letter-spacing:.07em;margin-bottom:18px}
.guide-main .guide-label{background:rgba(255,255,255,.15);color:#fff}
.guide-card h3{position:relative;color:#073f7d;font-size:20px;line-height:1.3;margin:0 0 10px}
.guide-card p{position:relative;color:#5a7185;font-size:13px;line-height:1.65;margin:0 0 22px}
.guide-card span{position:relative;color:#0666c7;font-size:13px;font-weight:900}
.guide-main h3,.guide-main p,.guide-main span{color:#fff}
.guide-main p{color:#dbeaf7}
.guide-quick{margin-top:20px;border:1px solid #d8e6f1;background:#f7fbff;border-radius:15px;padding:18px 20px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.guide-quick strong{display:block;color:#073f7d;margin-bottom:3px}
.guide-quick span{font-size:13px;color:#60768a}
.guide-quick .btn{white-space:nowrap}
@media(max-width:850px){.guide-feature-grid{grid-template-columns:1fr}.guide-quick{align-items:flex-start;flex-direction:column}}

/* V11 premium guides design */
.guide-hub{padding:74px 0;background:linear-gradient(180deg,#fff 0%,#fbfdff 100%)}
.guide-hub .section-title{font-size:31px;line-height:1.18;margin-bottom:0}
.guide-intro{max-width:830px;color:#536b80;line-height:1.7;margin:12px 0 30px}
.guide-feature-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.guide-card{display:flex!important;flex-direction:column;min-height:465px;text-decoration:none!important;border:1px solid #d5e5f1!important;border-radius:20px!important;padding:24px!important;box-shadow:0 10px 28px rgba(7,63,125,.07)!important;transition:.18s!important}
.guide-card:hover{transform:translateY(-4px)!important;box-shadow:0 16px 35px rgba(7,63,125,.12)!important}
.guide-blue{background:linear-gradient(145deg,#eef7ff,#fff 58%)!important}
.guide-gold{background:linear-gradient(145deg,#fff8e8,#fff 58%)!important}
.guide-green{background:linear-gradient(145deg,#eefbf3,#fff 58%)!important}
.guide-top{display:flex;align-items:center;gap:9px;min-height:72px;position:relative}
.guide-number{position:static!important;display:inline-flex;align-items:center;justify-content:center;width:45px;height:38px;border-radius:999px;font-size:20px!important;font-weight:900!important;background:#e0f0ff;color:#0870c9!important}
.guide-gold .guide-number{background:#fff0bd;color:#d89400!important}.guide-green .guide-number{background:#dff5e7;color:#07904a!important}
.guide-label{margin:0!important;padding:6px 11px!important}.guide-gold .guide-label{background:#fff0c9!important;color:#bd7d00!important}.guide-green .guide-label{background:#dcf5e5!important;color:#087f43!important}
.guide-art{margin-left:auto;display:flex;align-items:center;justify-content:center;position:relative;width:66px;height:66px;border-radius:50%;background:#dcefff;color:#1479ce;font-size:32px;font-weight:900}
.guide-art b{position:absolute;right:4px;bottom:4px;display:flex;align-items:center;justify-content:center;width:27px;height:27px;border-radius:50%;background:#0872c9;color:#fff;font-size:16px}
.guide-gold .guide-art{background:#fff0c9;color:#e39a00}.guide-gold .guide-art b{background:#1390e5}
.guide-green .guide-art{background:#dcf5e5;color:#14945a}.guide-green .guide-art b{background:#0872c9}
.guide-card h3{font-size:23px!important;line-height:1.25!important;margin:13px 0 12px!important;color:#073f7d!important}
.guide-card p{font-size:13px!important;line-height:1.62!important;color:#52697c!important;margin:0 0 15px!important}
.guide-card ul{list-style:none;margin:0 0 20px;padding:0}
.guide-card li{position:relative;padding:5px 0 5px 27px;color:#40596e;font-size:13px;line-height:1.45}
.guide-card li:before{content:"✓";position:absolute;left:0;top:5px;width:18px;height:18px;display:flex;align-items:center;justify-content:center;border-radius:50%;background:#6bb9f6;color:#073f7d;font-size:11px;font-weight:900}
.guide-gold li:before{background:#ffc72c}.guide-green li:before{background:#65d59a;color:#075c34}
.guide-button{display:block!important;margin-top:auto!important;padding:13px 14px!important;border-radius:10px!important;background:#086bc5!important;color:#fff!important;text-align:center!important;font-size:14px!important;font-weight:900!important}
.guide-gold .guide-button{background:#ffbf16!important;color:#073f7d!important}.guide-green .guide-button{background:#10a95b!important}
.guide-quick{margin-top:20px!important;padding:18px 20px!important;border-radius:16px!important;background:linear-gradient(90deg,#f0f8ff,#f9fcff)!important}
.quick-icon{width:50px;height:50px;flex:0 0 50px;border-radius:50%;display:flex;align-items:center;justify-content:center;background:#dff0ff;color:#0870c9;font-size:24px}
.quick-copy{flex:1}.quick-copy strong{display:block;color:#073f7d;font-size:16px;margin-bottom:3px}.quick-copy span{font-size:13px;color:#60768a}
@media(max-width:900px){.guide-feature-grid{grid-template-columns:1fr}.guide-card{min-height:0}.guide-quick{flex-wrap:wrap}}

/* V12 FAQs */
.faq-section{padding:72px 0;background:linear-gradient(180deg,#f7fbff,#fff)}
.faq-intro{max-width:780px;color:#536b80;line-height:1.7;margin:10px 0 28px}
.faq-layout{display:grid;grid-template-columns:minmax(0,1fr) 285px;gap:24px;align-items:start}
.faq-list{display:grid;gap:10px}
.faq-list details{background:#fff;border:1px solid #d9e6f0;border-radius:13px;overflow:hidden;box-shadow:0 5px 15px rgba(7,63,125,.035)}
.faq-list summary{list-style:none;cursor:pointer;padding:16px 18px;color:#073f7d;font-size:14px;font-weight:800;display:flex;align-items:center;justify-content:space-between;gap:16px}
.faq-list summary::-webkit-details-marker{display:none}
.faq-list summary span{width:26px;height:26px;flex:0 0 26px;border-radius:50%;display:flex;align-items:center;justify-content:center;background:#eaf4ff;color:#0870c9;font-size:18px;transition:.18s}
.faq-list details[open] summary{background:#f7fbff}.faq-list details[open] summary span{transform:rotate(45deg);background:#0870c9;color:#fff}
.faq-answer{padding:0 18px 17px;color:#586f82;font-size:13px;line-height:1.65}
.faq-side{position:sticky;top:20px;background:linear-gradient(145deg,#073f7d,#086ab9);color:#fff;border-radius:18px;padding:25px;box-shadow:0 12px 30px rgba(7,63,125,.16)}
.faq-side-icon{width:48px;height:48px;border-radius:50%;display:flex;align-items:center;justify-content:center;background:rgba(255,255,255,.15);font-size:26px;font-weight:900;margin-bottom:15px}
.faq-side h3{font-size:21px;margin:0 0 8px;color:#fff}.faq-side p{font-size:13px;line-height:1.6;color:#dbeaf7;margin:0 0 18px}
.faq-side .btn{display:block;text-align:center;background:#fff!important;color:#07569d!important}
.faq-guide-link{display:block;margin-top:14px;color:#fff;text-decoration:none;font-size:12px;font-weight:800;text-align:center}
@media(max-width:850px){.faq-layout{grid-template-columns:1fr}.faq-side{position:static}}

/* V13 provider pages */
.pd-subhead{background:#fff;border-bottom:1px solid #e2ebf2}.provider-nav{min-height:78px;display:flex;align-items:center;justify-content:space-between}.provider-nav img,.provider-footer img{height:54px;width:auto}.provider-nav a{text-decoration:none;color:#07569d;font-weight:800;font-size:13px}
.provider-hero{padding:62px 0;background:linear-gradient(135deg,#eef7ff,#fff)}.provider-hero-grid{display:grid;grid-template-columns:1.45fr .8fr;gap:36px;align-items:center}.provider-hero h1{font-size:40px;line-height:1.12;color:#073f7d;margin:8px 0 14px}.provider-hero p{color:#526b80;line-height:1.7;max-width:720px}.provider-pills{display:flex;gap:8px;flex-wrap:wrap;margin-top:20px}.provider-pills span{background:#fff;border:1px solid #d5e5f1;border-radius:999px;padding:7px 10px;font-size:11px;font-weight:800;color:#376078}
.provider-price-card{background:#fff;border:1px solid #d6e5f0;border-radius:20px;padding:26px;text-align:center;box-shadow:0 14px 34px rgba(7,63,125,.11)}.provider-price-card img{height:48px;max-width:170px;object-fit:contain;margin-bottom:12px}.provider-type{display:block;color:#0870c9;font-size:11px;font-weight:900;text-transform:uppercase;letter-spacing:.06em}.provider-price-card>strong{display:block;color:#073f7d;font-size:32px;margin:8px 0 2px}.provider-price-card small,.provider-price-card em{display:block;color:#61788c;font-size:12px}.provider-price-card .btn{display:block;margin-top:18px}.provider-price-card em{font-style:normal;margin-top:10px;line-height:1.4}.provider-alert{margin-top:10px;padding:9px;border-radius:9px;background:#fff7df;color:#735d24;font-size:12px}
.provider-section{padding:62px 0}.provider-section.soft{background:#f6fbff}.provider-section h2,.provider-8501 h2,.provider-cta h2{color:#073f7d;margin:6px 0 22px}.glance-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}.glance-grid>div{display:flex;gap:12px;align-items:center;border:1px solid #dbe7f0;border-radius:13px;padding:16px;background:#fff}.glance-grid b{width:34px;height:34px;flex:0 0 34px;border-radius:50%;display:flex;align-items:center;justify-content:center;background:#e8f6ed;color:#078647}.glance-grid span{font-size:11px;color:#6a7e8e}.glance-grid strong{display:block;color:#073f7d;font-size:13px;margin-top:3px}.provider-fine{font-size:11px;color:#748797;margin-top:12px}
.provider-points{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}.provider-points article{background:#fff;border:1px solid #dce8f1;border-radius:15px;padding:20px}.provider-points article>span{font-size:24px;font-weight:900;color:#dcebf7}.provider-points h3{font-size:15px;color:#073f7d;margin:8px 0}.provider-points p{font-size:12px;color:#5a7185;line-height:1.6;margin:0}
.provider-8501{padding:38px 0;background:#eef9f2}.provider-8501 .container{display:flex;gap:22px;align-items:center}.badge8501{width:72px;height:72px;flex:0 0 72px;border-radius:18px;background:#0aa35b;color:#fff;display:flex;align-items:center;justify-content:center;font-size:22px;font-weight:900}.provider-8501 h2{margin-bottom:5px}.provider-8501 p{margin:0;color:#526b80;line-height:1.6}
.provider-cta{padding:50px 0}.provider-cta .container{display:flex;align-items:center;justify-content:space-between;gap:25px}.provider-cta h2{margin-bottom:5px}.provider-cta p{margin:0;color:#5d7386}.provider-footer{padding:30px 0;background:#073f7d;color:#dceaf6}.provider-footer .container{display:grid;grid-template-columns:auto 1fr auto;gap:25px;align-items:center}.provider-footer img{background:#fff;border-radius:8px;padding:4px}.provider-footer p{font-size:11px;line-height:1.5}.provider-footer a{color:#fff;font-weight:800;font-size:12px}
@media(max-width:850px){.provider-hero-grid{grid-template-columns:1fr}.glance-grid{grid-template-columns:1fr 1fr}.provider-points{grid-template-columns:1fr 1fr}.provider-footer .container{grid-template-columns:1fr}.provider-cta .container{align-items:flex-start;flex-direction:column}}
@media(max-width:550px){.provider-hero h1{font-size:31px}.glance-grid,.provider-points{grid-template-columns:1fr}}

/* V14 expanded provider content */
.provider-deep{padding:66px 0;background:#fff}.provider-two-col{display:grid;grid-template-columns:1.25fr .8fr;gap:28px;align-items:start}.provider-deep h2,.provider-detail-band h2,.provider-how h2,.provider-faq h2{color:#073f7d;margin:6px 0 14px}.provider-deep p{color:#566f83;line-height:1.7;font-size:13px}.provider-deep h3{color:#073f7d;font-size:16px;margin:22px 0 9px}
.provider-checks{list-style:none;padding:0;margin:0}.provider-checks li{position:relative;padding:7px 0 7px 27px;color:#405c72;font-size:13px}.provider-checks li:before{content:"✓";position:absolute;left:0;color:#07904a;font-weight:900}
.provider-pricing{border:1px solid #d7e6f1;border-radius:17px;padding:22px;background:#f8fbfe;box-shadow:0 8px 22px rgba(7,63,125,.05)}.provider-pricing h3{margin:5px 0 13px}.provider-pricing>div:not(.eyebrow){display:flex;justify-content:space-between;gap:15px;padding:8px 0;border-bottom:1px solid #e1ebf2;color:#536c80;font-size:12px}.provider-pricing strong{color:#073f7d}.provider-pricing strong small{font-size:9px;font-weight:600;margin-left:2px}.provider-pricing p{font-size:10px;margin:11px 0 0;color:#718696}
.provider-detail-band{padding:64px 0;background:#f6fbff}.detail-band-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}.detail-band-grid article{background:#fff;border:1px solid #dbe7f0;border-radius:15px;padding:19px}.detail-icon{width:39px;height:39px;border-radius:10px;background:#e8f4ff;color:#0870c9;display:flex;align-items:center;justify-content:center;font-size:11px;font-weight:900}.detail-band-grid h3{font-size:15px;color:#073f7d;margin:12px 0 7px}.detail-band-grid p{font-size:12px;line-height:1.6;color:#5c7386;margin:0}
.provider-how{padding:60px 0}.provider-how-box{display:grid;grid-template-columns:1fr 1fr;gap:35px;border:1px solid #d8e6f0;border-radius:18px;padding:27px;background:linear-gradient(135deg,#f8fcff,#fff)}.provider-how-box p{font-size:13px;color:#587084;line-height:1.65}.provider-how ol{list-style:none;padding:0;margin:0;display:grid;gap:9px}.provider-how li{display:flex;align-items:center;gap:12px;background:#fff;border:1px solid #e0e9f0;border-radius:11px;padding:11px}.provider-how li b{width:29px;height:29px;border-radius:50%;background:#0870c9;color:#fff;display:flex;align-items:center;justify-content:center;font-size:11px}.provider-how li span{font-size:12px;color:#496278}
.provider-faq{padding:64px 0;background:#f7fbff}.provider-faq-list{display:grid;grid-template-columns:1fr 1fr;gap:10px}.provider-faq details{background:#fff;border:1px solid #d9e6f0;border-radius:12px;overflow:hidden}.provider-faq summary{list-style:none;cursor:pointer;padding:14px 16px;color:#073f7d;font-size:13px;font-weight:800;display:flex;justify-content:space-between;gap:12px}.provider-faq summary::-webkit-details-marker{display:none}.provider-faq summary span{color:#0870c9;font-size:17px}.provider-faq details>div{padding:0 16px 15px;color:#5b7285;font-size:12px;line-height:1.65}
@media(max-width:850px){.provider-two-col,.provider-how-box{grid-template-columns:1fr}.detail-band-grid{grid-template-columns:1fr 1fr}.provider-faq-list{grid-template-columns:1fr}}
@media(max-width:550px){.detail-band-grid{grid-template-columns:1fr}}

/* V15 long-form 870 guides */
.guide-page-hero{padding:70px 0 58px;background:linear-gradient(135deg,#edf7ff,#fff)}.guide-page-hero .container{max-width:930px}.guide-page-hero h1{font-size:42px;line-height:1.12;color:#073f7d;margin:8px 0 15px}.guide-page-hero p{max-width:790px;color:#536c80;line-height:1.7;font-size:15px}.guide-hero-actions{display:flex;gap:14px;align-items:center;margin-top:23px}.guide-secondary{color:#075fae;text-decoration:none;font-size:13px;font-weight:900}
.guide-nav{border-top:1px solid #e0eaf2;border-bottom:1px solid #e0eaf2;background:#fff}.guide-nav .container{display:flex;gap:18px;align-items:center;min-height:54px;overflow:auto;white-space:nowrap}.guide-nav strong{color:#073f7d;font-size:12px}.guide-nav span{font-size:11px;color:#657b8d}
.long-guide{padding:68px 0}.long-guide>.container{display:grid;grid-template-columns:minmax(0,1fr) 275px;gap:36px;align-items:start}.long-guide-main{display:grid;gap:0}.long-guide-section{display:grid;grid-template-columns:58px 1fr;gap:18px;padding:0 0 34px;margin-bottom:32px;border-bottom:1px solid #e1eaf1}.guide-step{width:48px;height:48px;border-radius:14px;background:#eaf4ff;color:#0870c9;display:flex;align-items:center;justify-content:center;font-weight:900}.long-guide-section h2{font-size:23px;color:#073f7d;margin:2px 0 9px}.long-guide-section p{color:#526b80;line-height:1.75;font-size:13px;margin:0}
.guide-aside{position:sticky;top:18px;display:grid;gap:13px}.aside-box{border-radius:16px;padding:20px;background:#073f7d;color:#fff}.aside-icon{width:50px;height:50px;border-radius:13px;background:#0aa35b;display:flex;align-items:center;justify-content:center;font-weight:900;margin-bottom:12px}.aside-box h3{margin:0 0 8px}.aside-box p{font-size:12px;line-height:1.6;color:#dbe9f5;margin:0}.aside-box.soft{background:#f6fbff;border:1px solid #d9e7f1;color:#073f7d}.aside-box.soft a{display:block;color:#0868bd;text-decoration:none;font-size:12px;font-weight:800;padding:7px 0;border-bottom:1px solid #e0eaf2}
.guide-faq{padding:65px 0;background:#f7fbff}.guide-faq h2{color:#073f7d;margin:6px 0 22px}.guide-faq-list{display:grid;grid-template-columns:1fr 1fr;gap:10px}.guide-faq details{background:#fff;border:1px solid #d9e6f0;border-radius:12px;overflow:hidden}.guide-faq summary{list-style:none;cursor:pointer;padding:15px 16px;color:#073f7d;font-size:13px;font-weight:800;display:flex;justify-content:space-between;gap:12px}.guide-faq summary::-webkit-details-marker{display:none}.guide-faq summary span{color:#0870c9;font-size:18px}.guide-faq details>div{padding:0 16px 16px;color:#586f82;font-size:12px;line-height:1.65}
.guide-end-cta{padding:50px 0}.guide-end-cta .container{display:flex;align-items:center;justify-content:space-between;gap:25px}.guide-end-cta h2{color:#073f7d;margin:5px 0}.guide-end-cta p{margin:0;color:#5d7487}
@media(max-width:850px){.long-guide>.container{grid-template-columns:1fr}.guide-aside{position:static}.guide-faq-list{grid-template-columns:1fr}.guide-end-cta .container{flex-direction:column;align-items:flex-start}.guide-page-hero h1{font-size:34px}}

/* V16 premium long-form guide redesign */
.v16-hero{padding:72px 0 64px;background:radial-gradient(circle at 82% 30%,#dcefff 0,#eef8ff 22%,transparent 45%),linear-gradient(135deg,#f8fcff,#fff)}.v16-hero>.container{display:grid;grid-template-columns:1.5fr .62fr;gap:48px;align-items:center}.v16-hero h1{font-size:46px;line-height:1.08;letter-spacing:-1.3px;color:#073f7d;margin:9px 0 18px;max-width:820px}.v16-hero-copy>p{font-size:15px;line-height:1.8;color:#526c80;max-width:780px}.v16-hero-card{background:#073f7d;border-radius:22px;padding:30px;color:#fff;box-shadow:0 20px 45px rgba(7,63,125,.18)}.shield-mark{width:58px;height:58px;border-radius:17px;background:#0aa35b;display:flex;align-items:center;justify-content:center;font-size:27px;font-weight:900}.v16-hero-card h3{font-size:19px;margin:18px 0 8px}.v16-hero-card p{font-size:12px;line-height:1.6;color:#d9e9f6}.mini-rule{height:1px;background:rgba(255,255,255,.18);margin:20px 0}.v16-hero-card span{font-size:10px;letter-spacing:.5px;color:#bcd5e9}
.v16-stats{background:#fff;border-top:1px solid #e0ebf3;border-bottom:1px solid #e0ebf3}.v16-stats .container{display:grid;grid-template-columns:repeat(3,1fr)}.v16-stats .container>div{padding:22px 28px;border-right:1px solid #e4edf4}.v16-stats .container>div:last-child{border-right:0}.v16-stats strong{display:block;color:#073f7d;font-size:22px}.v16-stats span{display:block;color:#718596;font-size:10px;margin-top:3px}
.v16-body{padding:72px 0}.v16-body>.container{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:44px;align-items:start}.v16-content{background:#fff}.v16-section{display:grid;grid-template-columns:60px 1fr;gap:19px;padding:0 0 38px;margin:0 0 38px;border-bottom:1px solid #e0eaf1}.v16-num{width:50px;height:50px;border-radius:14px;background:linear-gradient(135deg,#e7f4ff,#f4faff);border:1px solid #d7e9f6;color:#0870c9;font-size:13px;font-weight:900;display:flex;align-items:center;justify-content:center}.v16-section h2{font-size:24px;line-height:1.25;color:#073f7d;margin:1px 0 11px}.v16-section p{font-size:13px;line-height:1.8;color:#506a7e;margin:0}.v16-note{margin-top:14px;padding:13px 15px;border-left:3px solid #0aa35b;background:#f5fbf8;border-radius:0 9px 9px 0;color:#49677a;font-size:12px;line-height:1.65}
.v16-side{position:sticky;top:18px;display:grid;gap:16px}.v16-check{background:linear-gradient(160deg,#073f7d,#075a9e);padding:24px;border-radius:19px;color:#fff;box-shadow:0 15px 32px rgba(7,63,125,.13)}.v16-check .eyebrow{color:#75d9a6}.v16-check h3{font-size:18px;margin:7px 0 14px}.v16-check ul{list-style:none;padding:0;margin:0 0 20px}.v16-check li{position:relative;padding:7px 0 7px 23px;border-bottom:1px solid rgba(255,255,255,.1);font-size:11px;color:#e3eef7}.v16-check li:before{content:"✓";position:absolute;left:0;color:#68e3a0;font-weight:900}.v16-check .btn{display:block;text-align:center;background:#fff;color:#075a9e}.v16-side-links{border:1px solid #dbe7ef;border-radius:17px;padding:20px;background:#f9fcff}.v16-side-links h3{color:#073f7d;margin:0 0 10px}.v16-side-links a{display:block;text-decoration:none;color:#0868bd;font-size:11px;font-weight:800;padding:9px 0;border-bottom:1px solid #e3edf4}
.v16-highlight{padding:58px 0;background:#edf7ff}.v16-highlight>.container{display:grid;grid-template-columns:70px 1fr;gap:22px;align-items:start;max-width:950px}.v16-highlight-icon{width:60px;height:60px;border-radius:18px;background:#e32035;color:#fff;font-size:28px;font-family:Georgia,serif;font-style:italic;font-weight:700;display:flex;align-items:center;justify-content:center}.v16-highlight h2{color:#073f7d;font-size:25px;margin:5px 0 9px}.v16-highlight p{color:#536e82;line-height:1.7;font-size:13px;margin:0}
@media(max-width:900px){.v16-hero>.container,.v16-body>.container{grid-template-columns:1fr}.v16-hero-card{max-width:450px}.v16-side{position:static}.v16-hero h1{font-size:37px}}
@media(max-width:600px){.v16-stats .container{grid-template-columns:1fr}.v16-stats .container>div{border-right:0;border-bottom:1px solid #e4edf4}.v16-section{grid-template-columns:1fr}.v16-hero h1{font-size:32px}.v16-highlight>.container{grid-template-columns:1fr}}

/* FAQ question sections */
.google-questions{padding:70px 0;background:#fff}.gq-head{display:flex;align-items:flex-end;justify-content:space-between;gap:30px;margin-bottom:25px}.gq-head h2{font-size:28px;color:#073f7d;margin:6px 0 8px}.gq-head p{font-size:12px;color:#62798b;margin:0;max-width:650px}.gq-badge{min-width:95px;height:80px;border-radius:18px;background:linear-gradient(145deg,#073f7d,#0870c9);color:#fff;display:flex;flex-direction:column;align-items:center;justify-content:center;font-size:25px;font-weight:900;box-shadow:0 10px 24px rgba(7,63,125,.15)}.gq-badge small{font-size:7px;letter-spacing:.8px;margin-top:2px}.gq-grid{display:grid;grid-template-columns:1fr 1fr;gap:11px}.gq-grid details{border:1px solid #d9e7f1;border-radius:13px;background:#fafeff;overflow:hidden;transition:.2s}.gq-grid details[open]{background:#fff;box-shadow:0 8px 22px rgba(7,63,125,.07);border-color:#bcd8eb}.gq-grid summary{list-style:none;cursor:pointer;padding:16px 17px;color:#073f7d;font-size:13px;font-weight:850;display:flex;justify-content:space-between;gap:14px}.gq-grid summary::-webkit-details-marker{display:none}.gq-grid summary span{width:25px;height:25px;min-width:25px;border-radius:50%;background:#e9f4fd;color:#0870c9;display:flex;align-items:center;justify-content:center;font-size:17px}.gq-grid details>div{padding:0 17px 17px;color:#536e82;font-size:12px;line-height:1.7}
@media(max-width:700px){.gq-grid{grid-template-columns:1fr}.gq-badge{display:none}.gq-head{align-items:flex-start}.gq-head h2{font-size:24px}}

/* V18 consolidated questions + full age pricing */
.v18-pricing{padding:58px 0;background:#fff;border-top:1px solid #e1ebf2;border-bottom:1px solid #e1ebf2}.v18-price-head{margin-bottom:22px}.v18-price-head h2{color:#073f7d;font-size:28px;margin:5px 0 7px}.v18-price-head p{color:#60788b;font-size:12px;margin:0}.v18-price-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;align-items:start}.v18-price-grid article{border:1px solid #d9e7f1;border-radius:17px;background:#fbfdff;overflow:hidden;box-shadow:0 7px 20px rgba(7,63,125,.05)}.v18-brand{padding:16px 18px 8px;color:#073f7d;font-weight:900;font-size:16px}.v18-start{padding:0 18px 14px;color:#647b8d;font-size:10px}.v18-start strong{font-size:23px;color:#075ca8}.v18-start small{font-size:9px;margin-left:3px}.v18-rows{border-top:1px solid #e0eaf2}.v18-rows div{display:flex;justify-content:space-between;gap:14px;padding:10px 18px;border-bottom:1px solid #e7eef4;font-size:11px}.v18-rows span{color:#5d7487}.v18-rows b{color:#073f7d}.v18-fixed{padding:17px 18px;color:#60788b;font-size:10px;line-height:1.55}.v18-price-note{font-size:10px;color:#758a9a;margin:13px 2px 0}
@media(max-width:800px){.v18-price-grid{grid-template-columns:1fr}}