.home-premium-section,.home-insurer-section{background:#fff;padding:36px 0;color:#142b50}
.home-hero{background:#f2f7fc!important;padding:44px 0!important}
.home-hero .hero-grid{gap:52px;align-items:center}
.home-hero .hero-grid{border:0!important;border-radius:0!important;box-shadow:none!important;background:transparent!important}
.home-hero h1{font-size:40px!important;line-height:1.2!important;max-width:580px;margin:10px 0 18px!important;letter-spacing:0!important}
.home-hero p{font-size:17px!important;line-height:1.7!important;max-width:560px}
.home-hero .hero-actions{align-items:center;gap:18px;flex-wrap:wrap;margin:24px 0}
.home-hero .trust-row{display:flex;gap:16px;flex-wrap:wrap;font-size:13px;color:#425a70;margin:18px 0}
.home-hero .trust-row span:before{content:'\2713';color:#078553;margin-right:6px}
.home-person{display:inline-flex;align-items:center;gap:12px;text-decoration:none;margin-top:10px;color:#203c5c}
.home-person img{width:48px;height:48px;object-fit:cover;object-position:center 35%;border-radius:50%}
.home-person strong,.home-person small{display:block;font-size:13px;font-weight:500;line-height:1.6}
.home-person small{color:#607185;font-size:12px;font-weight:400}
.home-jump{border-block:1px solid #e3eaf2;background:#fff}
.home-jump .container{display:flex;flex-wrap:wrap;gap:6px 28px;padding-top:12px;padding-bottom:12px}
.home-jump a{min-height:36px;display:flex;align-items:center;color:#1d5a9b;text-decoration:none;font-size:13px;font-weight:500}
.home-guide-section{padding:48px 0;background:#fff;color:#223c59}
.home-soft-band,.home-faq{background:#f5f8fb}
.home-editorial-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:56px;align-items:start}
.home-guide-section h2{font-size:26px!important;line-height:1.35!important;margin:0 0 16px!important;font-weight:600!important;letter-spacing:0!important}
.home-guide-section h3{font-size:17px!important;line-height:1.4!important;font-weight:600!important;margin:14px 0 10px!important}
.home-guide-section p{font-size:15px;line-height:1.8;color:#52647a;margin:0 0 16px}
.home-guide-section strong{font-weight:600}
.home-text-link,.home-topic-grid a{font-size:14px;color:#175eaa;font-weight:500;text-decoration:underline;text-underline-offset:4px}
.home-year-table{min-width:0;overflow-x:auto}
.home-year-table table{width:100%;border-collapse:collapse;font-size:13px;background:#fff;line-height:1.6}
.home-year-table caption{text-align:left;font-size:16px;font-weight:600;margin-bottom:14px;color:#173755}
.home-year-table th,.home-year-table td{padding:13px 12px;text-align:left;border-bottom:1px solid #dde6ef;vertical-align:top}
.home-year-table th{font-weight:500}.home-year-table thead{background:#edf4fb}
.home-year-table p{font-size:12px;margin-top:12px}
.home-section-heading{margin-bottom:26px;max-width:720px}
.home-topic-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:28px}
.home-topic-grid article{border-top:2px solid #c6dcef;padding-top:16px}
.home-topic-number{font-size:13px;font-weight:600;color:#2275bf}
.home-topic-grid p{font-size:14px}
.home-alert-band{display:flex;align-items:center;justify-content:space-between;gap:20px;margin-top:28px;padding-top:24px;border-top:1px solid #e0e7ef}
.home-alert-band strong{font-size:16px;font-weight:600}.home-alert-band p{margin:5px 0 0;font-size:13px}.home-alert-band .btn{flex-shrink:0}
.home-dates{list-style:none;padding:0;margin:0;display:grid;gap:0}
.home-dates li{padding:18px 0 18px 20px;border-left:2px solid #bcd8ef;border-bottom:1px solid #e3eaf1;font-size:14px}
.home-dates strong,.home-dates span{display:block}.home-dates strong{margin-bottom:7px;color:#153858}.home-dates span{color:#52647a;line-height:1.6}
.home-guide-links{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:0 28px}
.home-guide-links a{display:flex;align-items:center;min-height:48px;padding:10px 0;border-bottom:1px solid #e3eaf2;color:#1d5a9b;font-size:14px}
.home-faq details{border-bottom:1px solid #dce5ed;padding:0;background:transparent;border-radius:0;box-shadow:none}
.home-faq summary{padding:17px 26px 17px 0;cursor:pointer;font-size:14px;font-weight:500;line-height:1.6;color:#183b5d}
.home-faq details p{font-size:14px;padding-bottom:10px}
.home-guide-section .news-card{border-radius:8px;box-shadow:0 3px 14px #16344b0a}
.home-guide-section a:focus-visible,.home-jump a:focus-visible,.home-person:focus-visible{outline:2px solid #176bd1;outline-offset:4px}
@media(max-width:1000px){.home-topic-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.home-editorial-grid{gap:30px}.home-hero .hero-grid{gap:28px}}
@media(max-width:700px){.home-hero{padding:26px 0!important}.home-hero h1{font-size:30px!important}.home-hero p{font-size:15px!important}.home-hero .hero-actions{margin:18px 0}.home-jump .container{gap:0 18px}.home-jump a{font-size:12px}.home-guide-section{padding:30px 0}.home-guide-section h2{font-size:22px!important}.home-editorial-grid{grid-template-columns:1fr;gap:24px}.home-topic-grid{gap:20px}.home-alert-band{align-items:flex-start;flex-direction:column}.home-guide-links{grid-template-columns:repeat(2,minmax(0,1fr))}.home-year-table th,.home-year-table td{padding:11px 8px}.home-person{margin-bottom:8px}}
@media(max-width:380px){.home-topic-grid{grid-template-columns:1fr}.home-hero h1{font-size:28px!important}}
@media(max-width:700px){
 .home-hero .container.hero-grid{padding:0!important;gap:22px!important}
 .home-hero .hero-grid>div:first-child{display:block!important}
 .home-hero .trust-row{display:none!important}
 .home-hero .hero-visual:before{display:none!important}
 .home-hero .home-compare-card{box-sizing:border-box;background:#fff!important;border:1px solid #d8e5f1!important;border-radius:8px!important;padding:20px!important;box-shadow:0 4px 18px #1936540a!important}
 .home-hero .home-person{margin-top:0}
 .home-hero .hero-grid>div:first-child>.eyebrow{padding:0!important;background:transparent!important}
}
.home-premium-section{border-block:1px solid #e5ebf2}
.home-premium-layout{display:grid;grid-template-columns:1.2fr 1fr;gap:48px;align-items:start}
.home-premium-section h2,.home-insurer-section h2{font-size:24px!important;line-height:1.35!important;margin:0 0 12px!important;font-weight:600;letter-spacing:0}
.home-premium-section p{font-size:15px;line-height:1.65;margin:0 0 12px;max-width:560px;color:#52647a}
.home-method-link{font-size:13px;text-decoration:underline;text-underline-offset:3px}
.home-premium-links{display:grid;gap:0}
.home-premium-links a{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:48px;padding:10px 0;border-bottom:1px solid #e5ebf2;font-size:14px;font-weight:500;text-decoration:none;color:#185ca8}
.home-premium-links svg,.home-insurer-heading svg{width:18px;height:18px;flex-shrink:0}
.home-insurer-heading{display:flex;justify-content:space-between;align-items:center;gap:24px;margin-bottom:24px}
.home-insurer-heading h2{margin-bottom:0!important}
.home-insurer-heading>a{display:flex;align-items:center;gap:10px;color:#185ca8;font-size:14px;font-weight:500;text-decoration:none}
.home-insurer-grid{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:16px 24px;list-style:none;margin:0;padding:0}
.home-insurer-grid li{margin:0;padding:0;min-width:0}
.home-insurer-grid a{display:flex;align-items:center;gap:12px;min-height:44px;color:#263e5e;text-decoration:none;font-size:14px;line-height:1.4}
.home-insurer-mark{display:flex;align-items:center;justify-content:center;width:64px;height:44px;flex:0 0 64px;background:#fff;border:1px solid #dfe7f1;border-radius:6px;overflow:hidden}
.home-insurer-mark img{width:54px;height:32px;object-fit:contain}
.home-insurer-initial{font-size:20px;font-weight:500;color:#59728f}
.home-premium-links a:hover,.home-insurer-heading>a:hover,.home-insurer-grid a:hover{color:#0868d1;text-decoration:underline;text-underline-offset:3px}
.home-insurer-grid a:hover .home-insurer-mark{border-color:#8db7e7}
.home-premium-section a:focus-visible,.home-insurer-section a:focus-visible{outline:2px solid #176bd1;outline-offset:4px;border-radius:4px}
@media(max-width:1100px){.home-insurer-grid{grid-template-columns:repeat(3,minmax(0,1fr))}}
@media(max-width:640px){.home-premium-section,.home-insurer-section{padding:26px 0}.home-premium-layout{grid-template-columns:1fr;gap:16px}.home-premium-section h2,.home-insurer-section h2{font-size:21px!important}.home-insurer-heading{align-items:flex-start;flex-direction:column;gap:12px;margin-bottom:20px}.home-insurer-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:14px 16px}.home-insurer-grid a{font-size:12px;gap:8px}.home-insurer-mark{width:52px;flex-basis:52px;height:40px}.home-insurer-mark img{width:44px;height:30px}}