:root{--bg:#faf9f7;--bg-alt:#f2f0ed;--surface:#ffffff;--surface2:#f0ebe4;--border:rgba(0, 194, 184,.12);--border2:rgba(0, 194, 184,.2);--text:#242220;--muted:#7a6e68;--dim:#8a7165;--sky:#00C2B8;--sky-dark:#0a8a82;--grad:linear-gradient(135deg,#00C2B8 0%,#4a9087 100%);--font:"Inter",-apple-system,system-ui,sans-serif;--mono:"JetBrains Mono","SF Mono",Consolas,monospace;--max:980px}*,*:before,*:after{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth;overflow-x:clip}body{background:var(--bg);color:var(--text);font-family:var(--font);font-size:17px;line-height:1.7;-webkit-font-smoothing:antialiased;overflow-x:hidden}a{color:var(--sky-dark);text-decoration:none}a:hover{text-decoration:underline}.container{max-width:var(--max);margin:0 auto;padding:0 32px}main{padding:120px 0 80px}.eyebrow{font-family:var(--mono);font-size:.72rem;font-weight:600;text-transform:uppercase;letter-spacing:.12em;color:var(--sky-dark);margin-bottom:14px}h1{font-size:clamp(2rem,4.5vw,3rem);font-weight:800;line-height:1.05;letter-spacing:-.035em;margin-bottom:18px;color:var(--text)}.lead{font-size:1.12rem;color:var(--text);line-height:1.6;max-width:64ch;margin-bottom:18px}.proof-line{font-size:1rem;color:var(--muted);font-style:italic;max-width:62ch;margin-bottom:26px;line-height:1.6}h2{font-size:clamp(1.5rem,2.5vw,2rem);font-weight:800;letter-spacing:-.025em;margin-bottom:14px;color:var(--text);line-height:1.2}.section{margin-top:72px;padding-top:32px;border-top:1px solid var(--border)}.section-eyebrow{font-family:var(--mono);font-size:.72rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin-bottom:10px}.section-sub{font-size:1.02rem;color:var(--muted);line-height:1.6;max-width:64ch;margin-bottom:24px}p{margin-bottom:14px;color:var(--text)}ul{padding-left:24px;margin-bottom:18px}ul li{margin-bottom:10px;color:var(--text);line-height:1.55}strong{font-weight:700;color:var(--text)}.cta-row{display:flex;gap:14px;flex-wrap:wrap;margin:28px 0 12px}.btn-primary{display:inline-flex;align-items:center;gap:8px;background:var(--text);color:var(--bg);padding:13px 24px;border-radius:8px;font-size:.95rem;font-weight:700;text-decoration:none;transition:transform .12s,filter .15s}.btn-primary:hover{transform:translateY(-1px);filter:brightness(1.15);text-decoration:none}.btn-secondary{display:inline-flex;align-items:center;gap:8px;background:transparent;color:var(--text);padding:12px 23px;border-radius:8px;border:1px solid var(--border2);font-size:.95rem;font-weight:600;text-decoration:none;transition:border-color .15s,background .15s}.btn-secondary:hover{border-color:var(--sky);background:var(--surface);text-decoration:none}.card-grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;margin-top:20px}.card-grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:20px}@media(max-width:760px){.card-grid-2,.card-grid-3{grid-template-columns:1fr}}.ec-card{background:var(--surface);border:1px solid var(--border2);border-radius:10px;padding:22px 24px}.ec-card-eyebrow{font-family:var(--mono);font-size:.7rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--sky-dark);margin-bottom:8px}.ec-card-h{font-size:1.06rem;font-weight:700;color:var(--text);margin-bottom:6px;letter-spacing:-.015em}.ec-card-body{font-size:.94rem;color:var(--muted);line-height:1.6}.flow-grid{display:grid;grid-template-columns:1fr auto 1fr auto 1fr auto 1fr;gap:0;align-items:stretch;background:linear-gradient(180deg,#00c2b80a,#00c2b805);border:1px solid rgba(0,194,184,.22);border-radius:14px;padding:24px 18px;margin-top:18px}@media(max-width:920px){.flow-grid{grid-template-columns:1fr;gap:10px}.flow-grid .ef-arrow{transform:rotate(90deg);padding:2px 0}}.flow-col{text-align:center;padding:10px 8px}.flow-col.is-accent{background:#00c2b80d;border-radius:10px;border:1px solid rgba(0,194,184,.18)}.flow-eyebrow{font-family:var(--mono);font-size:.68rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--sky-dark);margin-bottom:6px}.flow-h{font-size:1rem;font-weight:800;color:var(--text);margin-bottom:6px;letter-spacing:-.015em}.flow-body{font-size:.84rem;color:var(--muted);line-height:1.5}.ef-arrow{display:flex;align-items:center;justify-content:center;color:var(--sky-dark);font-size:1.2rem;font-weight:700;padding:0 8px}.outcome-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:12px;max-width:960px;margin-top:24px}.outcome-card{padding:18px 20px;background:var(--bg-alt);border:1px solid var(--border);border-left:3px solid #b94a3a;border-radius:10px}.outcome-card.is-accept{border-left-color:#22c55e}.outcome-card.is-hold{border-left-color:#c6a673}.outcome-eyebrow{font-family:var(--mono);font-size:.7rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:#b94a3a;margin-bottom:6px}.outcome-card.is-accept .outcome-eyebrow{color:#16a34a}.outcome-card.is-hold .outcome-eyebrow{color:#9a7a3e}.outcome-verdict{font-size:1rem;color:var(--text);font-weight:700}.keeps-table{width:100%;border-collapse:collapse;margin-top:18px;background:var(--surface);border:1px solid var(--border);border-radius:12px;overflow:hidden;font-size:.94rem}.keeps-table th,.keeps-table td{text-align:left;padding:12px 18px;border-bottom:1px solid var(--border)}.keeps-table th{font-family:var(--mono);font-size:.72rem;font-weight:700;color:var(--muted);text-transform:uppercase;letter-spacing:.06em;background:var(--surface2)}.keeps-table tbody tr:last-child td{border-bottom:none}.boundary-box{margin-top:22px;padding:18px 22px;background:var(--surface);border:1px solid var(--border);border-left:3px solid var(--sky);border-radius:10px;font-size:.96rem;color:var(--text);line-height:1.6}.mode-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:20px}@media(max-width:880px){.mode-grid{grid-template-columns:1fr}}.mode-card{background:var(--surface);border:1px solid var(--border2);border-radius:10px;padding:22px 24px}.mode-letter{display:inline-block;font-family:var(--mono);font-size:.7rem;font-weight:700;letter-spacing:.1em;color:var(--sky-dark);background:#00c2b814;padding:3px 10px;border-radius:4px;margin-bottom:10px}.mode-h{font-size:1.06rem;font-weight:700;color:var(--text);margin-bottom:6px;letter-spacing:-.015em}.mode-body{font-size:.94rem;color:var(--muted);line-height:1.6}.mode-footer{margin-top:18px;padding:14px 20px;background:var(--bg-alt);border-left:3px solid var(--sky);border-radius:6px;font-size:.96rem;color:var(--text);font-weight:600;line-height:1.5}.no-claim-list{list-style:none;padding:0;margin-top:18px;display:grid;gap:10px;max-width:780px;font-size:1.02rem;line-height:1.55;color:var(--text)}.no-claim-list li{padding:14px 20px;background:var(--surface);border:1px solid var(--border);border-radius:8px}.last-updated{margin-top:60px;padding-top:24px;border-top:1px solid var(--border);font-size:.82rem;color:var(--dim);font-family:var(--mono)}