/* Ver.5: shared presentation; approved related cards remain unchanged. */
.home-hero-art{position:relative;isolation:isolate}
.home-hero-art .shield-watermark{display:block;position:absolute;inset:3% 27% 4% 0;z-index:0;opacity:.09;pointer-events:none}
.home-hero-art .shield-watermark .icon{width:100%;height:100%;color:#1677bc}
.home-hero-art .hero-person{filter:drop-shadow(2px 5px 7px rgb(30 65 95 / 12%));z-index:1}
.hero-signature{position:relative;z-index:1}
.insurance-extended{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:2rem}
.insurance-extended-column{min-width:0;display:flex;flex-direction:column}.insurance-extended-column:only-child{grid-column:1/-1}
.insurance-extended-column>div{flex:1;grid-template-columns:1fr}.insurance-extended-column .category-card{height:100%}
.product-prose .related-links a{text-decoration:none}.product-prose .related-links a:hover{text-decoration:underline;color:var(--action-hover)}.product-prose .related-links a:focus-visible{text-decoration:underline;outline:3px solid #008763;outline-offset:4px;border-radius:3px}
@media(max-width:800px){.insurance-extended{grid-template-columns:1fr}.home-hero-art .shield-watermark{inset:0 3% 30%}}
:root{--cta-surface:#1263b4;--toc-top:110px}
.home-hero-art{grid-template-columns:minmax(0,1fr) 160px;grid-template-rows:1fr;gap:1rem}
.hero-person{grid-row:1;grid-column:1;width:100%;height:auto;max-height:none;mask-image:none;filter:none;border-radius:0}
.hero-signature{grid-column:2;grid-row:1;align-self:center;border-left:2px solid #70b3e4;padding-left:1rem;color:#123764}
.home-hero-art .hero-signature blockquote{padding:0;margin:0 0 1.2rem;background:none;border:0;border-radius:0;text-align:left;font-size:1rem;line-height:1.65}
.hero-signature .person-label{padding:0;margin:0;background:none;border:0;border-radius:0;text-align:left;display:block}
.hero-signature .person-label span{font-size:.85rem}.hero-signature .person-label strong{font-size:1.4rem;margin:.3rem 0 0}
.cta-section,.consult-band{background:#1263b4;color:#fff;border-color:#1263b4}
.cta-section h2,.cta-section p,.consult-band h2,.consult-band p,.consult-band .icon{color:#fff}
.cta-section .button,.consult-band .button{background:#fff;color:#08447e;border-color:#fff}
.cta-section .button.secondary{background:transparent;color:#fff;border-color:#fff}
.cta-section .button:hover,.consult-band .button:hover{background:#eaf5ff;color:#08447e}
.cta-section .button:focus-visible,.consult-band .button:focus-visible{outline-color:#fff;outline-offset:4px}
.consult-band .lead-form{background:transparent;padding:0}.consult-band .field label,.consult-band .form-note{color:#fff}
.consult-band .demo-note{background:#edf5fc;color:#123764}.consult-band .consent a{color:#fff;text-decoration:underline}.consult-band .field-error{color:#fff4bf}.consult-band .consult-strip .icon{color:#fff}
.site-footer .brand{background:transparent;padding:0;border-radius:0}.site-footer .brand img{width:260px;max-width:100%;height:auto;background:transparent;padding:0;border-radius:0;filter:none}
.article-layout{display:grid;grid-template-columns:minmax(0,1fr) 280px;gap:2.5rem;align-items:stretch}
.article-prose{grid-column:1;grid-row:1}.article-aside{grid-column:2;grid-row:1;align-self:stretch;position:static;display:flex;flex-direction:column;background:transparent;padding:0;border:0}
.toc-track{flex:1;min-height:0}.article-toc{position:sticky;top:var(--toc-top);margin:0 0 2rem;max-height:calc(100vh - var(--toc-top) - 24px);overflow:auto;background:#f1f7fd;border:1px solid #d7e5ef;border-radius:12px;padding:1rem}
.article-toc a{display:block;padding:.6rem .5rem;line-height:1.5;border-left:3px solid transparent;font-size:.95rem}.article-toc a[aria-current=location]{background:#e0edff;border-left-color:#075bff;color:#003c99;font-weight:700}
.article-toc summary{min-height:44px;cursor:pointer;font-weight:700;color:#123764}.article-body h2,.article-body h3{scroll-margin-top:var(--toc-top)}
.aside-card{position:static;background:#f1f7fd;padding:1.25rem;border:1px solid #d7e5ef;border-radius:12px;margin:0 0 2rem}.aside-card h2{font-size:1.25rem}.aside-card .eyebrow{font-size:.8rem}.aside-card .chip{margin-bottom:.4rem}
.article-share{display:flex;align-items:center;flex-wrap:wrap;gap:.5rem .75rem;background:transparent;border:0;border-top:1px solid var(--line);border-radius:0;padding:1rem 0;margin:1rem 0}
.article-share .actions{display:flex;flex-wrap:wrap;gap:.4rem;margin:0}.article-share .button{font-size:.875rem;padding:.4rem .65rem;min-height:44px;flex:none;border-color:#c1d5eb}
.article-share .share-note,.article-share .share-status{flex-basis:100%;font-size:.85rem;line-height:1.5;margin:0}.share-status:empty{display:none}.share-fallback{width:100%;margin:0}
.article-groups{margin:1.5rem 0 0}.article-groups h2{font-size:1.4rem;margin-top:0}.group-suggestions{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1rem}
.group-suggestion{display:flex;flex-direction:column;gap:.5rem;padding:1.1rem;border:1px solid #c4d9eb;border-radius:12px;background:#f5faff;color:#123764;line-height:1.6}.group-suggestion span{font-size:.95rem}.group-suggestion:hover{border-color:#075bff;background:#eaf4ff}
@media(min-width:701px) and (max-width:1100px){.home-hero-art{grid-template-columns:1fr;grid-template-rows:auto auto}.hero-person{grid-column:1;grid-row:1}.hero-signature{grid-column:1;grid-row:2;width:100%}.home-hero-art .hero-signature blockquote{font-size:.95rem}}
@media(max-width:800px){.article-layout{display:block}.article-aside{display:block;margin-top:1.5rem}.toc-track{display:none}.article-toc{position:static;max-height:none;margin:1.5rem 0}.article-toc nav{max-height:50vh;overflow:auto}.aside-card{margin-bottom:0}}
@media(max-width:700px){.home-hero-art{grid-template-columns:1fr;grid-template-rows:auto auto;gap:1rem}.hero-person{grid-column:1;grid-row:1;width:100%;max-height:none}.hero-signature{grid-column:1;grid-row:2;width:100%;padding:.5rem 1rem;margin-bottom:.5rem}.hero-signature .person-label span,.hero-signature .person-label strong{display:block;margin-left:0}.group-suggestions{grid-template-columns:1fr}.site-footer .brand img{width:260px}.article-share .button{flex:none}}