/* restassuredbenefits.com: shared styles */
:root {
  --teal: #1E5A52; --teal-2: #24695F; --teal-dk: #123B36; --ink: #1B2725; --body: #2A3533; --muted: #4A5654;
  --cream: #F5F2EA; --tan: #EDE8DC; --line: #E6E0D2; --mint: #DCEBE6; --open: #1E7A4F;
  --serif: 'Newsreader', Georgia, serif; --sans: 'Public Sans', system-ui, -apple-system, sans-serif;
}
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body { margin: 0; font-family: var(--sans); color: var(--ink); background: #fff; font-size: 17px; line-height: 1.6; }
img { max-width: 100%; height: auto; }
a { color: var(--teal); }
.wrap { max-width: 1120px; margin: 0 auto; padding: 0 20px; }
.narrow { max-width: 760px; }
.center { text-align: center; }
.skip { position: absolute; left: -9999px; } .skip:focus { left: 12px; top: 12px; background: #fff; padding: 8px 12px; z-index: 50; }
.kicker { margin: 0 0 6px; font-size: 13px; font-weight: 800; letter-spacing: .09em; text-transform: uppercase; color: var(--teal); }
.fine { font-size: 13px; color: #5A6563; }
.link { font-weight: 700; text-decoration: none; } .link:hover { text-decoration: underline; }

/* header */
.hdr { position: sticky; top: 0; z-index: 20; background: rgba(255,255,255,.97); border-bottom: 1px solid var(--line); backdrop-filter: saturate(1.2) blur(6px); }
.hdr-in { display: flex; align-items: center; gap: 18px; min-height: 64px; }
.logo img { display: block; height: 26px; width: auto; }
.nav { display: none; gap: 22px; margin-left: 12px; }
.nav a, .mnav a { color: var(--ink); text-decoration: none; font-weight: 600; font-size: 15px; }
.nav a[aria-current="page"] { color: var(--teal); box-shadow: inset 0 -2px 0 var(--teal); }
.hdr-call { margin-left: auto; display: flex; align-items: center; gap: 8px; text-decoration: none; color: var(--ink); }
.hdr-call .dot { width: 34px; height: 34px; border-radius: 999px; background: var(--teal); color: #fff; display: flex; align-items: center; justify-content: center; flex: none; }
.hdr-call small { display: block; font-size: 11px; font-weight: 600; color: var(--muted); line-height: 1.2; }
.hdr-call strong { display: block; font-size: 15px; color: var(--teal); white-space: nowrap; line-height: 1.2; }
.menu-btn { border: 1px solid var(--line); background: #fff; border-radius: 8px; padding: 8px 12px; font: 700 14px var(--sans); color: var(--ink); cursor: pointer; }
.mnav { display: flex; flex-direction: column; padding: 8px 20px 16px; border-top: 1px solid var(--line); }
.mnav a { padding: 10px 0; border-bottom: 1px solid var(--line); }
.mnav[hidden] { display: none; }
@media (max-width: 420px) { .hdr-call small { display: none; } .logo img { height: 22px; } }
@media (min-width: 980px) { .nav { display: flex; } .menu-btn, .mnav { display: none !important; } }

/* buttons */
.btn { position: relative; overflow: hidden; display: inline-flex; align-items: center; gap: 12px; text-decoration: none; color: #fff; border-radius: 14px;
  background: linear-gradient(180deg, var(--teal-2) 0%, var(--teal) 55%, #174A43 100%); border: 3px solid var(--mint); box-shadow: 0 8px 22px rgba(18,59,54,.25); }
.btn-lg { padding: 12px 20px 12px 14px; min-height: 74px; width: 100%; max-width: 480px; }
.btn-sm { padding: 8px 16px 8px 10px; min-height: 58px; }
.btn-ring { width: 42px; height: 42px; border-radius: 999px; border: 2px solid #fff; display: flex; align-items: center; justify-content: center; flex: none; animation: raRing 2.6s ease-in-out 1s infinite; }
.btn-sm .btn-ring { width: 36px; height: 36px; }
.btn-txt { display: flex; flex-direction: column; text-align: left; min-width: 0; }
.btn-main { font-size: clamp(20px, 5.4vw, 27px); font-weight: 800; line-height: 1.1; white-space: nowrap; }
.btn-sm .btn-main { font-size: 19px; }
.btn-sub { font-size: 13px; font-weight: 600; color: var(--mint); }
.btn::after { content: ''; position: absolute; top: 0; bottom: 0; left: -60%; width: 40%; background: linear-gradient(100deg, rgba(255,255,255,0), rgba(255,255,255,.33), rgba(255,255,255,0)); transform: skewX(-18deg); animation: shine 3.4s ease-in-out 1.4s infinite; pointer-events: none; }
@keyframes shine { 0% { left: -60%; } 45%, 100% { left: 130%; } }
.avail { display: flex; align-items: center; gap: 8px; margin: 10px 0 0; font-size: 14px; font-weight: 700; color: var(--open); }
.avail.closed { color: #5A6563; } .avail .live { width: 10px; height: 10px; border-radius: 99px; background: currentColor; animation: raBlink 1.6s ease-in-out infinite; }
@media (max-width: 400px) { .btn-lg { padding: 10px 12px; gap: 10px; } .btn-main { font-size: 20px; } }

/* hero */
.hero { background: linear-gradient(180deg, var(--cream), #fff); }
.hero-in { display: grid; grid-template-columns: minmax(0,1fr); gap: 22px; padding-top: 26px; padding-bottom: 30px; }
.hero h1 { margin: 0; font-family: var(--serif); font-weight: 600; font-size: clamp(34px, 7vw, 56px); line-height: 1.04; letter-spacing: -0.015em; }
.lede { margin: 12px 0 0; font-size: clamp(18px, 2.4vw, 21px); color: var(--body); max-width: 560px; }
.checks { list-style: none; padding: 0; margin: 14px 0 0; display: flex; flex-wrap: wrap; gap: 8px 18px; }
.checks li { display: flex; align-items: center; gap: 8px; font-weight: 700; font-size: 16px; }
.hero-cta { margin-top: 18px; }
.hero-img { min-height: 240px; border-radius: 16px; background: url('/assets/img/fe-porch-swing.jpg') 40% 35% / cover no-repeat; }
@media (min-width: 900px) { .hero-in { grid-template-columns: 1.05fr 1fr; align-items: center; padding-top: 48px; padding-bottom: 56px; } .hero-img { min-height: 460px; } }

.strip { border-block: 1px solid var(--line); background: #fff; }
.strip-in { padding-top: 18px; padding-bottom: 18px; text-align: center; }
.strip p { margin: 0 0 8px; font-size: 14px; font-weight: 700; color: var(--muted); }
.strip img { width: 100%; max-width: 720px; display: block; margin: 0 auto; }

/* sections */
.sec { padding: 48px 0; }
.sec.alt { background: var(--cream); }
.sec-head { max-width: 760px; margin: 0 0 24px; }
.sec h2, .prose h2 { margin: 0; font-family: var(--serif); font-weight: 600; font-size: clamp(27px, 4.4vw, 38px); line-height: 1.12; letter-spacing: -0.01em; }
.stats { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 14px; }
.stat { background: #fff; border: 1px solid var(--line); border-radius: 14px; padding: 20px; display: flex; flex-direction: column; gap: 6px; }
.sec.alt .stat { background: #fff; }
.stat b { font-size: 40px; font-weight: 900; color: var(--teal); line-height: 1; }
.stat span { color: var(--muted); font-size: 15px; }
.steps { list-style: none; padding: 0; margin: 0 0 18px; display: grid; grid-template-columns: 1fr; gap: 14px; counter-reset: s; }
.steps li { counter-increment: s; background: #fff; border: 1px solid var(--line); border-radius: 14px; padding: 20px 20px 20px 74px; position: relative; display: flex; flex-direction: column; gap: 4px; }
.steps li::before { content: counter(s); position: absolute; left: 20px; top: 20px; width: 40px; height: 40px; border-radius: 99px; background: var(--teal); color: #fff; font-weight: 900; font-size: 18px; display: flex; align-items: center; justify-content: center; }
.steps b { font-size: 18px; } .steps span { color: var(--body); }
@media (min-width: 860px) { .steps { grid-template-columns: repeat(3, 1fr); } }
.two { display: grid; grid-template-columns: minmax(0,1fr); gap: 28px; align-items: center; }
@media (min-width: 900px) { .two { grid-template-columns: 1fr 1.1fr; gap: 48px; } }
.quote { margin: 0; background: var(--mint); border-radius: 16px; padding: 28px; }
.quote p { margin: 0; font-family: var(--serif); font-size: clamp(21px, 2.8vw, 26px); line-height: 1.35; font-weight: 500; }
.quote figcaption { margin-top: 14px; font-weight: 700; font-size: 15px; color: var(--teal-dk); }
.who p { color: var(--body); }
.cta-band { background: var(--teal-dk); color: #fff; }
.cta-band h2 { color: #fff; } .cta-band p { color: var(--mint); margin: 10px 0 20px; }
.cta-band .btn { border-color: rgba(255,255,255,.35); }

/* cards */
.cards { display: grid; grid-template-columns: repeat(auto-fill, minmax(280px, 1fr)); gap: 18px; margin-bottom: 20px; }
.card { display: flex; flex-direction: column; background: #fff; border: 1px solid var(--line); border-radius: 14px; overflow: hidden; text-decoration: none; color: inherit; transition: transform .2s ease, box-shadow .2s ease; }
.card:hover { transform: translateY(-3px); box-shadow: 0 12px 28px rgba(18,59,54,.12); }
.card-img { aspect-ratio: 16 / 9; background-size: cover; background-position: center; }
.card-body { padding: 16px 18px 18px; display: flex; flex-direction: column; gap: 6px; flex: 1; }
.card h3 { margin: 0; font-size: 19px; line-height: 1.25; }
.card p { margin: 0; color: var(--muted); font-size: 15px; }
.card .more { margin-top: auto; padding-top: 6px; font-weight: 800; color: var(--teal); font-size: 15px; }

/* faq */
.faq { display: flex; flex-direction: column; gap: 10px; }
.faq details, .prose details { background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 0 18px; }
.faq summary { cursor: pointer; list-style: none; padding: 16px 30px 16px 0; font-weight: 700; position: relative; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: '+'; position: absolute; right: 0; top: 11px; font-size: 24px; color: var(--teal); }
.faq details[open] summary::after { content: '\2212'; }
.faq details p { margin: 0 0 16px; color: var(--body); }

/* article / prose */
.art { padding: 28px 0 0; }
.crumbs { font-size: 14px; color: var(--muted); margin-bottom: 14px; } .crumbs a { color: var(--muted); }
.art-h1 { margin: 0; font-family: var(--serif); font-weight: 600; font-size: clamp(32px, 5.6vw, 48px); line-height: 1.08; letter-spacing: -0.015em; }
.art-dek { margin: 12px 0 0; font-size: clamp(18px, 2.4vw, 21px); color: var(--body); }
.byline { display: flex; gap: 12px; align-items: center; margin: 20px 0 0; padding: 14px 0; border-block: 1px solid var(--line); }
.byline img { width: 48px; height: 48px; border-radius: 99px; object-fit: cover; }
.byline p { margin: 0; font-size: 14px; line-height: 1.4; }
.by-name { font-weight: 800; } .by-name a { color: var(--ink); }
.by-role, .by-date { color: var(--muted); }
.art-hero { margin-top: 24px; } .art-img { aspect-ratio: 21 / 9; border-radius: 16px; background-size: cover; background-position: center; max-width: 1080px; margin: 0 auto; }
@media (max-width: 640px) { .art-img { aspect-ratio: 16 / 10; } }
.prose { padding-top: 26px; padding-bottom: 20px; }
.prose p, .prose li { color: var(--body); font-size: 18px; line-height: 1.7; }
.prose h2 { margin: 38px 0 12px; font-size: clamp(25px, 3.6vw, 32px); }
.prose h3 { margin: 26px 0 8px; font-size: 20px; }
.prose ul, .prose ol { padding-left: 24px; } .prose li { margin: 6px 0; }
.prose strong { color: var(--ink); }
.prose > p:first-of-type strong:first-child { color: var(--teal); }
.tbl { overflow-x: auto; margin: 18px 0; border: 1px solid var(--line); border-radius: 12px; }
.tbl table { border-collapse: collapse; width: 100%; min-width: 560px; font-size: 15px; }
.tbl th, .tbl td { text-align: left; vertical-align: top; padding: 12px 14px; border-bottom: 1px solid var(--line); line-height: 1.45; }
.tbl th { background: var(--cream); font-weight: 800; }
.tbl tr:last-child td { border-bottom: 0; }
.callbox { margin: 30px 0; padding: 22px; border-radius: 16px; background: var(--mint); display: flex; flex-direction: column; align-items: flex-start; gap: 8px; }
.callbox p { margin: 0; font-size: 16px; }
.callbox .cb-h { font-family: var(--serif); font-size: 24px; font-weight: 600; color: var(--ink); }
.callbox.big { background: var(--teal-dk); color: #fff; align-items: center; text-align: center; }
.callbox.big p { color: var(--mint); } .callbox.big .cb-h { color: #fff; font-size: 28px; }
.callbox.big .btn { border-color: rgba(255,255,255,.35); }
.callbox.big .avail { color: #9FD8BE; }
.sources { margin-top: 36px; padding-top: 18px; border-top: 1px solid var(--line); }
.sources h2 { font-size: 22px !important; margin-top: 0 !important; }
.sources li, .sources .note { font-size: 15px !important; }
.related { background: var(--cream); padding: 40px 0 30px; margin-top: 30px; }
.related h2 { font-family: var(--serif); font-weight: 600; font-size: 30px; margin: 0 0 18px; }
.person { display: flex; gap: 18px; align-items: flex-start; margin: 14px 0; }
.person img { width: 96px; height: 96px; border-radius: 99px; object-fit: cover; flex: none; }
.person p { margin: 0 0 8px; }
.legal h1 { font-family: var(--serif); font-weight: 600; font-size: clamp(30px, 5vw, 44px); line-height: 1.1; }

/* footer */
.ftr { background: var(--teal-dk); color: #CFE3DD; margin-top: 0; padding: 44px 0 110px; font-size: 15px; }
.ftr a { color: #fff; }
.ftr-in { display: grid; grid-template-columns: minmax(0,1fr); gap: 28px; }
.ftr-brand img { filter: brightness(0) invert(1); height: 24px; width: auto; }
.ftr-brand p { margin: 10px 0 0; }
.ftr-call a { font-size: 20px; font-weight: 800; text-decoration: none; }
.ftr-cols { display: grid; grid-template-columns: repeat(auto-fit, minmax(170px, 1fr)); gap: 22px; }
.ftr-cols h2 { margin: 0 0 8px; font-size: 13px; letter-spacing: .09em; text-transform: uppercase; color: #9FD8BE; }
.ftr-cols a { display: block; padding: 4px 0; text-decoration: none; }
.ftr-cols a:hover { text-decoration: underline; }
.ftr-legal { margin-top: 30px; padding-top: 18px; border-top: 1px solid rgba(255,255,255,.15); font-size: 12.5px; line-height: 1.6; color: #A9C7BF; }
.ftr-legal p { margin: 0 0 8px; }
@media (min-width: 900px) { .ftr-in { grid-template-columns: 1fr 2fr; } }

/* sticky call bar (phones) */
.sticky { position: fixed; left: 0; right: 0; bottom: 0; z-index: 30; padding: 10px 12px calc(10px + env(safe-area-inset-bottom)); background: rgba(245,242,234,.97); box-shadow: 0 -6px 18px rgba(18,59,54,.14); display: flex; justify-content: center; transform: translateY(110%); transition: transform .25s ease; }
.sticky.show { transform: none; }
.sticky .btn { width: 100%; max-width: 520px; justify-content: center; }
@media (min-width: 980px) { .sticky { display: none; } .ftr { padding-bottom: 44px; } }

/* motion */
@keyframes raRing { 0%, 80%, 100% { transform: rotate(0); } 84% { transform: rotate(-16deg); } 88% { transform: rotate(14deg); } 92% { transform: rotate(-10deg); } 96% { transform: rotate(6deg); } }
@keyframes raBlink { 0%, 100% { opacity: 1; transform: scale(1); } 50% { opacity: .35; transform: scale(.7); } }
@keyframes raPulse { 0% { box-shadow: 0 0 0 0 rgba(30,90,82,.5); } 70% { box-shadow: 0 0 0 16px rgba(30,90,82,0); } 100% { box-shadow: 0 0 0 0 rgba(30,90,82,0); } }
@keyframes raIn { from { opacity: 0; transform: translateY(14px); } to { opacity: 1; transform: none; } }
.ra-pulse { animation: raPulse 1.9s ease-out infinite; }
.anim-in { opacity: 0; animation: raIn .55s ease-out forwards; }
.d1 { animation-delay: .08s; } .d2 { animation-delay: .18s; } .d3 { animation-delay: .28s; } .d4 { animation-delay: .4s; }
.js-motion .reveal, .js-motion .prose > h2, .js-motion .card, .js-motion .callbox { opacity: 0; transform: translateY(20px); transition: opacity .6s ease, transform .6s ease; }
.js-motion .in { opacity: 1 !important; transform: none !important; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .ra-pulse, .btn-ring, .btn::after, .avail .live { animation: none; }
  .anim-in { animation: none; opacity: 1; }
  .js-motion .reveal, .js-motion .prose > h2, .js-motion .card, .js-motion .callbox { opacity: 1; transform: none; transition: none; }
}