:root {
  --ink: #0a2c6d;
  --muted: #536579;
  --line: #c9deef;
  --paper: #f2f8fd;
  --surface: #ffffff;
  --accent: #2f91df;
  --accent-dark: #003080;
  --sun: #ffb828;
  --sun-dark: #e39400;
  --gold: #ffb828;
  --soft: #e8f5fc;
  --shadow: 0 18px 55px rgba(0, 48, 128, 0.12);
  --font-main: Arial, Helvetica, sans-serif;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: var(--font-main);
  line-height: 1.6;
}

a {
  color: inherit;
}

img {
  display: block;
  max-width: 100%;
}

.container {
  width: min(1120px, calc(100% - 32px));
  margin: 0 auto;
}

.narrow {
  width: min(820px, calc(100% - 32px));
}

.skip-link {
  position: absolute;
  left: 16px;
  top: -80px;
  z-index: 20;
  background: var(--ink);
  color: #fff;
  padding: 10px 14px;
}

.skip-link:focus {
  top: 12px;
}

.advertorial-strip {
  background: var(--accent-dark);
  color: #fff;
  font-family: var(--font-main);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0;
  line-height: 1.45;
  padding: 8px 16px;
  text-align: center;
}

.site-header {
  background: rgba(243, 248, 252, 0.96);
  border-bottom: 1px solid var(--line);
  position: sticky;
  top: 0;
  z-index: 10;
}

.header-inner {
  align-items: center;
  display: flex;
  justify-content: space-between;
  min-height: 68px;
  gap: 24px;
}

.brand img {
  background: transparent;
  width: 230px;
  height: auto;
}

.top-nav {
  align-items: center;
  display: flex;
  gap: 22px;
  font-family: var(--font-main);
  font-size: 13px;
  font-weight: 700;
  line-height: 1;
  text-transform: uppercase;
}

.top-nav a {
  align-items: center;
  display: inline-flex;
  min-height: 40px;
  text-decoration: none;
}

.top-nav .nav-cta {
  background: var(--sun);
  color: var(--ink);
  min-height: 40px;
  padding: 0 14px;
}

.top-nav a:hover,
.top-nav a:focus {
  color: var(--accent);
}

.top-nav .nav-cta:hover,
.top-nav .nav-cta:focus {
  background: var(--accent-dark);
  color: #fff;
}

.hero {
  border-bottom: 1px solid var(--line);
  padding: 46px 0 42px;
}

.hero-grid {
  align-items: stretch;
  display: grid;
  grid-template-columns: minmax(0, 1fr) 460px;
  gap: 46px;
}

.hero-copy {
  display: flex;
  flex-direction: column;
}

.kicker,
.form-kicker,
.note-label {
  color: var(--accent-dark);
  font-family: var(--font-main);
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.12em;
  margin: 0 0 12px;
  text-transform: uppercase;
}

h1,
h2,
h3,
p {
  overflow-wrap: anywhere;
}

h1 {
  font-size: clamp(30px, 4.8vw, 52px);
  line-height: 1.04;
  letter-spacing: 0;
  margin: 0;
  max-width: 880px;
}

.standfirst {
  color: #30465b;
  font-size: 18px;
  line-height: 1.5;
  margin: 18px 0 0;
  max-width: 760px;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 22px;
}

.trust-line {
  color: var(--muted);
  font-family: var(--font-main);
  font-size: 14px;
  font-weight: 700;
  margin: 14px 0 0;
}

.button {
  align-items: center;
  border: 1px solid var(--ink);
  cursor: pointer;
  display: inline-flex;
  font-family: var(--font-main);
  font-size: 13px;
  font-weight: 800;
  justify-content: center;
  min-height: 46px;
  padding: 12px 18px;
  text-align: center;
  text-decoration: none;
  text-transform: uppercase;
  transition: background 160ms ease, color 160ms ease, border-color 160ms ease;
}

.button.primary {
  background: var(--sun);
  border-color: var(--sun);
  color: var(--ink);
}

.button.primary:hover,
.button.primary:focus {
  background: var(--sun-dark);
  border-color: var(--sun-dark);
  color: var(--ink);
}

.button.secondary {
  background: transparent;
  color: var(--ink);
}

.button.secondary:hover,
.button.secondary:focus {
  background: var(--ink);
  color: #fff;
}

.button.full {
  width: 100%;
}

.hero-snapshot {
  border: 1px solid var(--line);
  display: grid;
  gap: 0;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  margin-top: 22px;
}

.hero-snapshot div {
  background: rgba(255, 255, 255, 0.64);
  padding: 14px;
}

.hero-snapshot div + div {
  border-left: 1px solid var(--line);
}

.hero-snapshot span {
  color: var(--muted);
  display: block;
  font-family: var(--font-main);
  font-size: 11px;
  font-weight: 800;
  margin-bottom: 5px;
  text-transform: uppercase;
}

.hero-snapshot strong {
  display: block;
  font-size: 14px;
  line-height: 1.3;
}

.hero-image {
  aspect-ratio: 16 / 8.6;
  border: 1px solid var(--line);
  box-shadow: var(--shadow);
  flex: 1 1 auto;
  margin: 28px 0 0;
  min-height: 320px;
  overflow: hidden;
  position: relative;
}

.hero-image img {
  height: 100%;
  object-fit: cover;
  width: 100%;
}

.hero-image figcaption {
  background: rgba(0, 48, 128, 0.86);
  bottom: 0;
  color: #fff;
  font-size: 13px;
  left: 0;
  line-height: 1.4;
  margin: 0;
  padding: 10px 14px;
  position: absolute;
  width: 100%;
}

.editor-note,
.eligibility-form,
.sidebar-card,
.pre-form-cta,
.modal-panel {
  background: var(--surface);
  border: 1px solid var(--line);
  box-shadow: var(--shadow);
}

.editor-note {
  padding: 28px;
}

.editor-note p {
  font-size: 18px;
  margin: 0 0 22px;
}

.editor-note dl {
  border-top: 1px solid var(--line);
  margin: 0;
}

.editor-note dl div {
  border-bottom: 1px solid var(--line);
  display: grid;
  gap: 10px;
  grid-template-columns: 112px 1fr;
  padding: 13px 0;
}

.editor-note dt {
  color: var(--muted);
  font-family: var(--font-main);
  font-size: 12px;
  font-weight: 800;
  text-transform: uppercase;
}

.editor-note dd {
  margin: 0;
  font-weight: 700;
}

.article-band {
  background: var(--surface);
  padding: 52px 0;
}

.article-band-alt {
  background: var(--paper);
}

.story-layout {
  align-items: stretch;
  display: grid;
  gap: 56px;
  grid-template-columns: minmax(0, 0.95fr) minmax(320px, 0.75fr);
}

.article-layout {
  align-items: stretch;
  display: grid;
  grid-template-columns: minmax(0, 710px) 340px;
  gap: 54px;
}

.article-body {
  border-top: 3px solid var(--sun);
  padding-top: 20px;
}

.section-heading {
  max-width: none;
}

.section-heading h2 {
  font-size: clamp(26px, 3.4vw, 38px);
  line-height: 1.1;
  margin: 0;
}

.byline {
  color: var(--muted);
  font-family: var(--font-main);
  font-size: 13px;
  margin: 0 0 24px;
  text-transform: uppercase;
}

.article-body .lead {
  font-size: 22px;
  line-height: 1.45;
  margin-top: 0;
}

.article-body p {
  font-size: 17px;
  margin: 0 0 22px;
}

.article-body h2,
.faq-section h2 {
  font-size: clamp(24px, 3.4vw, 34px);
  line-height: 1.12;
  margin: 34px 0 14px;
}

.article-body h3 {
  font-size: 20px;
  line-height: 1.2;
  margin: 0 0 8px;
}

.image-frame {
  aspect-ratio: 16 / 9;
  background: #eef7fd;
  border: 1px solid var(--line);
  margin: 30px 0;
  overflow: hidden;
  position: relative;
}

.image-frame img {
  height: 100%;
  object-fit: cover;
  width: 100%;
}

.image-frame figcaption {
  background: rgba(6, 54, 111, 0.88);
  bottom: 0;
  color: #fff;
  font-size: 13px;
  left: 0;
  line-height: 1.4;
  margin: 0;
  padding: 10px 14px;
  position: absolute;
  width: 100%;
}

.secondary-image {
  margin-top: 8px;
}

.story-card,
.lifestyle-card {
  background: #fff;
  border: 1px solid var(--line);
  box-shadow: var(--shadow);
  display: flex;
  flex-direction: column;
  height: 100%;
}

.story-card img,
.lifestyle-card img {
  aspect-ratio: 4 / 3;
  flex: 1 1 auto;
  height: 100%;
  min-height: 0;
  object-fit: cover;
  width: 100%;
}

.story-card div,
.lifestyle-copy {
  padding: 24px;
}

.story-card h2 {
  font-size: 28px;
  line-height: 1.12;
  margin: 0 0 12px;
}

.story-card p,
.lifestyle-card p {
  color: var(--muted);
  font-family: var(--font-main);
  font-size: 15px;
  line-height: 1.55;
  margin: 0;
}

.lifestyle-copy {
  flex: 0 0 auto;
}

.lifestyle-copy h3 {
  font-size: 24px;
  line-height: 1.14;
  margin: 0 0 12px;
}

.lifestyle-copy ul {
  color: var(--muted);
  font-family: var(--font-main);
  font-size: 15px;
  line-height: 1.45;
  margin: 14px 0 0;
  padding-left: 19px;
}

.lifestyle-copy li + li {
  margin-top: 7px;
}

.lifestyle-card img {
  aspect-ratio: auto;
}

.article-band-alt .lifestyle-card {
  align-self: stretch;
  height: 100%;
}

.pull-quote {
  border-left: 4px solid var(--gold);
  margin: 30px 0;
  padding: 4px 0 4px 22px;
}

.pull-quote p {
  font-size: 24px;
  line-height: 1.3;
  margin: 0;
}

.info-grid,
.comparison {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
  margin: 28px 0 36px;
}

.info-grid > div,
.comparison > div {
  border: 1px solid var(--line);
  padding: 22px;
}

.number {
  color: var(--gold);
  display: block;
  font-family: var(--font-main);
  font-size: 12px;
  font-weight: 900;
  margin-bottom: 10px;
}

.info-grid p,
.comparison li {
  color: var(--muted);
  font-family: var(--font-main);
  font-size: 15px;
  line-height: 1.55;
}

.comparison ul,
.sidebar-card ul {
  margin: 0;
  padding-left: 19px;
}

.comparison li + li,
.sidebar-card li + li {
  margin-top: 10px;
}

.sidebar {
  display: grid;
  gap: 22px;
  position: sticky;
  top: 104px;
}

.check-section {
  background: #fff;
  border-top: 1px solid var(--line);
  padding: 52px 0 58px;
}

.eligibility-form,
.pre-form-cta,
.sidebar-card {
  padding: 24px;
}

.eligibility-form h2,
.pre-form-cta h2,
.sidebar-card h2 {
  font-size: 26px;
  line-height: 1.12;
  margin: 0 0 18px;
}

.eligibility-form {
  background: linear-gradient(180deg, #fff 0%, #fff8e8 100%);
  border-top: 4px solid var(--sun);
}

.hero-form {
  position: sticky;
  top: 104px;
}

.form-grid {
  display: grid;
  gap: 12px;
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.field.wide {
  grid-column: 1 / -1;
}

.pre-form-cta p,
.form-intro {
  color: var(--muted);
  font-family: var(--font-main);
  font-size: 15px;
  line-height: 1.55;
  margin: 0 0 18px;
}

.eligibility-form label {
  display: block;
  font-family: var(--font-main);
  font-size: 12px;
  font-weight: 800;
  margin: 0 0 6px;
  text-transform: uppercase;
}

.eligibility-form input,
.eligibility-form select,
.eligibility-form textarea {
  background: #fff;
  border: 1px solid #b8c1cb;
  color: var(--ink);
  font-family: var(--font-main);
  font-size: 16px;
  min-height: 42px;
  padding: 9px 10px;
  width: 100%;
}

.eligibility-form textarea {
  line-height: 1.35;
  resize: vertical;
}

.eligibility-form input::placeholder,
.eligibility-form textarea::placeholder {
  color: #8b99a8;
}

.eligibility-form input:focus,
.eligibility-form select:focus,
.eligibility-form textarea:focus {
  border-color: var(--accent);
  outline: 3px solid rgba(47, 145, 223, 0.18);
}

.optional-label {
  color: var(--muted);
  font-weight: 700;
  text-transform: none;
}

.eligibility-form .consent-field {
  align-items: flex-start;
  display: flex;
  gap: 10px;
  line-height: 1.45;
  margin-top: 14px;
  text-transform: none;
}

.eligibility-form .consent-field input {
  flex: 0 0 auto;
  height: 18px;
  margin-top: 1px;
  min-height: 18px;
  padding: 0;
  width: 18px;
}

.eligibility-form .consent-field span {
  color: #30465b;
  font-size: 13px;
  font-weight: 700;
}

.eligibility-form button {
  margin-top: 14px;
}

.form-note {
  color: var(--muted);
  font-family: var(--font-main);
  font-size: 13px;
  line-height: 1.45;
  margin: 12px 0 0;
}

.sidebar-card {
  background: var(--soft);
  box-shadow: none;
}

.sidebar-card li {
  font-family: var(--font-main);
  font-size: 15px;
}

.faq-section {
  border-top: 1px solid var(--line);
  padding: 52px 0 64px;
}

.faq-section h2 {
  margin-top: 0;
}

.faq-list {
  border-top: 1px solid var(--line);
}

.faq-question {
  background: transparent;
  border: 0;
  border-bottom: 1px solid var(--line);
  color: var(--ink);
  cursor: pointer;
  font-family: var(--font-main);
  font-size: 20px;
  font-weight: 700;
  padding: 20px 34px 20px 0;
  position: relative;
  text-align: left;
  width: 100%;
}

.faq-question::after {
  content: "+";
  font-family: var(--font-main);
  position: absolute;
  right: 4px;
  top: 20px;
}

.faq-question[aria-expanded="true"]::after {
  content: "-";
}

.faq-answer {
  display: none;
  padding: 0 0 20px;
}

.faq-answer.is-open {
  display: block;
}

.faq-answer p {
  color: var(--muted);
  font-family: var(--font-main);
  font-size: 16px;
  margin: 14px 0 0;
}

.modal {
  align-items: center;
  background: rgba(0, 48, 128, 0.62);
  display: none;
  inset: 0;
  justify-content: center;
  padding: 20px;
  position: fixed;
  z-index: 30;
}

.modal.is-open {
  display: flex;
}

.modal-panel {
  max-width: 520px;
  padding: 30px;
  position: relative;
  width: 100%;
}

.modal-panel h2 {
  font-size: 28px;
  line-height: 1.12;
  margin: 0 0 12px;
}

.modal-panel p {
  margin: 0 0 20px;
}

.modal-close {
  background: transparent;
  border: 0;
  color: var(--ink);
  cursor: pointer;
  font-size: 32px;
  line-height: 1;
  position: absolute;
  right: 16px;
  top: 12px;
}

.site-footer {
  background: var(--ink);
  color: #fff;
  font-family: var(--font-main);
  padding: 26px 0;
}

.footer-inner {
  align-items: flex-start;
  display: flex;
  justify-content: space-between;
  gap: 18px;
}

.site-footer p {
  font-size: 13px;
  margin: 0;
  max-width: 760px;
}

.site-footer nav {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
}

.site-footer a {
  font-size: 13px;
  text-decoration: none;
}

.site-footer a:hover,
.site-footer a:focus {
  text-decoration: underline;
}

.legal-page {
  background: #fff;
}

.legal-main {
  padding: 48px 0 64px;
}

.legal-main article {
  border-top: 3px solid var(--ink);
  max-width: 900px;
  padding-top: 24px;
}

.legal-main h1 {
  font-size: clamp(32px, 5vw, 52px);
  margin-bottom: 18px;
}

.legal-main h2 {
  font-size: 24px;
  line-height: 1.2;
  margin: 34px 0 12px;
}

.legal-main p,
.legal-main li {
  color: #30465b;
  font-size: 17px;
}

.legal-main table {
  border-collapse: collapse;
  margin: 22px 0;
  width: 100%;
}

.legal-main th,
.legal-main td {
  border: 1px solid var(--line);
  padding: 12px;
  text-align: left;
  vertical-align: top;
}

.legal-main th {
  background: var(--soft);
  font-family: var(--font-main);
  font-size: 13px;
  text-transform: uppercase;
  width: 220px;
}

@media (max-width: 940px) {
  .hero-grid,
  .story-layout,
  .article-layout {
    grid-template-columns: 1fr;
  }

  .editor-note {
    max-width: 620px;
  }

  .sidebar,
  .hero-form {
    position: static;
  }

  .story-card,
  .lifestyle-card {
    height: auto;
    max-width: 640px;
  }

  .article-band-alt .lifestyle-card {
    align-self: start;
    height: auto;
  }

  .article-band-alt .lifestyle-card img {
    aspect-ratio: 4 / 3;
    flex: none;
    height: auto;
  }
}

@media (max-width: 700px) {
  .header-inner {
    align-items: flex-start;
    flex-direction: column;
    gap: 12px;
    min-height: 0;
    padding: 12px 0;
  }

  .footer-inner {
    align-items: flex-start;
    flex-direction: column;
  }

  .brand img {
    width: 172px;
  }

  .top-nav {
    display: grid;
    gap: 8px;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    overflow: visible;
    padding-bottom: 0;
    width: 100%;
  }

  .top-nav::-webkit-scrollbar {
    display: none;
  }

  .top-nav a {
    border: 1px solid var(--line);
    font-size: 11px;
    justify-content: center;
    line-height: 1.1;
    min-height: 34px;
    padding: 0 10px;
    text-align: center;
    white-space: normal;
  }

  .top-nav .nav-cta {
    justify-content: center;
    min-height: 34px;
    padding: 0 14px;
    text-align: center;
    width: 100%;
  }

  .hero {
    padding: 28px 0 30px;
  }

  .hero-grid {
    gap: 28px;
  }

  .hero-actions {
    display: grid;
    grid-template-columns: 1fr;
  }

  .hero-actions .button {
    width: 100%;
  }

  .standfirst {
    font-size: 17px;
  }

  .hero-image {
    aspect-ratio: 4 / 3;
    flex: none;
    min-height: 0;
  }

  .hero-snapshot {
    grid-template-columns: 1fr;
  }

  .hero-snapshot div + div {
    border-left: 0;
    border-top: 1px solid var(--line);
  }

  .form-grid {
    grid-template-columns: 1fr;
  }

  .editor-note dl div,
  .info-grid,
  .comparison {
    grid-template-columns: 1fr;
  }

  .story-layout,
  .article-layout {
    gap: 30px;
  }

  .story-card div,
  .lifestyle-copy {
    padding: 20px;
  }

  .article-body .lead {
    font-size: 19px;
  }

  .pull-quote p {
    font-size: 21px;
  }

  .legal-main table,
  .legal-main tbody,
  .legal-main tr,
  .legal-main th,
  .legal-main td {
    display: block;
    width: 100%;
  }
}