*{box-sizing:border-box}body{margin:0;font:17px/1.6 system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:#1d2433;background:#fbfaf7}
.wrap{max-width:1040px;margin:0 auto;padding:0 20px}a{color:#0b6e4f}
.notfmap{background:#3b1d00;color:#fff;padding:12px 20px;font-size:15px;text-align:center;line-height:1.45}.notfmap a{color:#ffd27a;font-weight:700}
.hdr{background:#fff;border-bottom:1px solid #e5e2da}.hdr .wrap{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:10px;padding-top:14px;padding-bottom:14px}
.logo{font-weight:800;font-size:22px;color:#1d2433;text-decoration:none}.logo span{color:#0b6e4f}.logo small{font-weight:500;font-size:13px;color:#6b6b6b;margin-left:4px}
nav{display:flex;flex-wrap:wrap;gap:16px;align-items:center}nav a{text-decoration:none;color:#1d2433;font-size:15px}
.btn,button{background:#0b6e4f;color:#fff!important;border:0;border-radius:6px;padding:10px 18px;font-weight:700;text-decoration:none;font-size:16px;cursor:pointer;display:inline-block}
.hero{padding:44px 0 20px}.hero h1{font-size:clamp(28px,4.5vw,44px);line-height:1.15;margin:0 0 14px}
.cmp{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin:26px 0}.cmp div{background:#fff;border:1px solid #e5e2da;border-radius:10px;padding:18px}
@media(max-width:700px){.cmp{grid-template-columns:1fr}nav{gap:10px}}
.note{background:#fff7e6;border-left:4px solid #c88a00;padding:12px 16px;margin:20px 0}
form{background:#fff;border:1px solid #e5e2da;border-radius:10px;padding:20px;max-width:640px}label{display:block;font-weight:600;margin-top:12px}
input,select,textarea{width:100%;padding:10px;border:1px solid #c9c5bb;border-radius:6px;font:inherit}.hp{position:absolute;left:-9999px}
#form-status{margin-top:12px}#form-status.is-error{color:#a00}.ftr{margin-top:50px;background:#1d2433;color:#cfd3dc;font-size:14px;padding:26px 0}.ftr a{color:#9fe0c4}

.vs{margin:40px 0}.vs-title{text-align:center;margin:0}.vs-sub{text-align:center;color:#6b6b6b;margin:4px 0 22px}
.vs-grid{display:grid;grid-template-columns:1fr 1fr;column-gap:22px}.vs-row{display:contents}
.vs-c{display:flex;gap:12px;align-items:flex-start;padding:16px 20px;border-bottom:1px solid #eee9df}
.vs-c strong{display:block;line-height:1.35}.vs-c p{margin:4px 0 0;font-size:15px;color:#5b6170;line-height:1.5}
.ic{flex:0 0 26px;width:26px;height:26px;margin-top:1px}
.vs-c.org{background:#f4f3f0;border-left:1px solid #e5e2da;border-right:1px solid #e5e2da;color:#4a4f5c}
.vs-c.ins{background:#fff;border-left:2px solid #0b6e4f;border-right:2px solid #0b6e4f;box-shadow:0 10px 30px -18px rgba(11,110,79,.55)}
.vs-head .vs-c{flex-direction:column;gap:2px;align-items:center;text-align:center;padding:22px 16px;border-bottom:0;border-radius:12px 12px 0 0;position:relative}
.vs-head .org{background:linear-gradient(#f7e9e7,#efe3e1);border-top:1px solid #e5d3cf}.vs-head .ins{background:linear-gradient(#0e7f5c,#0b6e4f);color:#fff;border-top:2px solid #0b6e4f}
.vs-name{font-size:24px;font-weight:800}.vs-head .org .vs-name{color:#8c2f25}.vs-tag{font-size:14px;opacity:.85}
.vs-rib{position:absolute;top:-12px;background:#ffd27a;color:#3b1d00;font-size:12px;font-weight:800;letter-spacing:.04em;text-transform:uppercase;padding:3px 12px;border-radius:99px}
.vs-foot .vs-c{border-radius:0 0 12px 12px;border-bottom:1px solid #e5e2da;justify-content:center;min-height:20px}.vs-foot .ins{border-bottom:2px solid #0b6e4f}
.vs-m{display:none}.vs-note{font-size:13px;color:#6b6b6b;text-align:center;margin-top:14px}
@media(max-width:700px){.vs-grid{display:block}.vs-head,.vs-foot .org{display:none}.vs-row{display:block;margin-bottom:14px;border-radius:12px;overflow:hidden;border:1px solid #e5e2da}
.vs-c,.vs-c.org,.vs-c.ins{border:0;box-shadow:none;flex-wrap:wrap}.vs-c.ins{border-left:4px solid #0b6e4f}.vs-c.org{border-left:4px solid #c0392b}
.vs-c>div{flex:1}.vs-m{display:block;width:100%;font-size:12px;font-weight:800;text-transform:uppercase;letter-spacing:.05em;color:#8c2f25}.ins .vs-m{color:#0b6e4f}
.vs-foot{border:0}.vs-foot .vs-c.ins{border:0;background:none}}

/* v4 */
body{font-size:17px}main.wrap>section,main.wrap>article>section{margin:44px 0}h2{line-height:1.25;margin-top:1.6em}
.crumbs{font-size:14px;color:#6b6b6b;margin:18px 0 0}.crumbs a{color:#6b6b6b}
.answer{font-size:19px;line-height:1.55;background:#eef7f2;border-left:4px solid #0b6e4f;padding:14px 18px;border-radius:0 8px 8px 0}
.hero2{position:relative;margin:0 -20px;min-height:560px;border-radius:0 0 18px 18px;overflow:hidden;color:#fff}
.hero2 img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.hero2:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(10,30,24,.88),rgba(10,30,24,.55) 60%,rgba(10,30,24,.25))}
.hero-in{position:relative;z-index:1;display:grid;grid-template-columns:1.2fr 1fr;gap:32px;padding:48px 28px;align-items:start}
.hero2 h1{font-size:clamp(28px,4.2vw,44px);line-height:1.12;margin:6px 0 14px}.kicker{display:inline-block;background:#ffd27a;color:#3b1d00;font-weight:800;font-size:13px;text-transform:uppercase;letter-spacing:.05em;padding:4px 12px;border-radius:99px;margin:0}
.promise{font-size:20px;font-weight:700;color:#bff0da}.hero2 .answer{background:rgba(255,255,255,.1);color:#fff;border-color:#ffd27a;font-size:16px}
.hero-form{background:#fff;color:#1d2433;border-radius:14px;padding:22px;box-shadow:0 20px 50px -20px rgba(0,0,0,.6)}.formh{margin:0 0 4px;font-size:22px}
.hero-form form{border:0;padding:0}.steplbl{font-size:13px;color:#6b6b6b;margin:0}.row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.qform button{margin-top:16px}.ghost{background:#fff;color:#0b6e4f!important;border:2px solid #0b6e4f}.fine{font-size:13px;color:#5b6170}
.trust{list-style:none;padding:0;margin:26px 0;display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.trust li{background:#fff;border:1px solid #e5e2da;border-radius:12px;padding:14px;font-size:14px;color:#5b6170}.trust b{display:block;color:#1d2433;font-size:15px}
table.ex{width:100%;border-collapse:collapse;background:#fff;border-radius:12px;overflow:hidden;box-shadow:0 6px 24px -16px rgba(0,0,0,.4)}.ex th,.ex td{padding:12px 14px;border-bottom:1px solid #eee;text-align:left;font-size:15px}.ex th{background:#1d2433;color:#fff}.ex td.bad{color:#a12a1e;font-weight:600}
.exlabel{display:inline-block;background:#fff7e6;border:1px solid #e8c77a;padding:4px 10px;border-radius:6px;font-size:13px;font-weight:700}
.timeline ol{list-style:none;padding:0;display:grid;grid-template-columns:repeat(5,1fr);gap:12px}.timeline li{background:#fff;border-top:4px solid #0b6e4f;border-radius:10px;padding:14px;font-size:15px}.timeline b{display:block}
.faq details{background:#fff;border:1px solid #e5e2da;border-radius:10px;padding:12px 16px;margin:10px 0}.faq summary{font-weight:700;cursor:pointer}
.tiles{list-style:none;padding:0;display:grid;grid-template-columns:repeat(auto-fill,minmax(210px,1fr));gap:10px}.tiles li{background:#fff;border:1px solid #e5e2da;border-radius:10px;padding:10px 14px}.tiles a{font-weight:700;text-decoration:none}.tiles span{display:block;font-size:13px;color:#6b6b6b}
.facts{display:flex;flex-wrap:wrap;gap:10px}.facts span{background:#fff;border:1px solid #e5e2da;border-radius:99px;padding:6px 14px;font-size:14px}.facts b{color:#0b6e4f;margin-right:4px}
.cta{background:#1d2433;color:#fff;border-radius:14px;padding:22px;margin:34px 0}.cta p{margin-top:0}.cta .ghost{margin-left:8px}
.posts{list-style:none;padding:0}.posts li{background:#fff;border:1px solid #e5e2da;border-radius:12px;padding:16px 18px;margin:12px 0}.posts a{font-size:20px;font-weight:800;text-decoration:none}.posts time{display:block;font-size:13px;color:#6b6b6b}.posts p{margin:6px 0 0}
.post{max-width:760px}.meta{color:#6b6b6b;font-size:14px}blockquote{border-left:4px solid #c9c5bb;margin:0;padding:6px 16px;color:#4a4f5c;font-style:italic}
.fnav a{color:#fff}.callbar{display:none}
@media(max-width:860px){.hero-in{grid-template-columns:1fr;padding:30px 20px}.trust{grid-template-columns:1fr 1fr}.timeline ol{grid-template-columns:1fr}}
@media(max-width:700px){.callbar{display:block;position:fixed;left:12px;right:12px;bottom:12px;z-index:50;background:#0b6e4f;color:#fff;text-align:center;font-weight:800;padding:14px;border-radius:12px;text-decoration:none;box-shadow:0 10px 30px -8px rgba(0,0,0,.5)}body{padding-bottom:76px}.row2{grid-template-columns:1fr}.hero2{min-height:0}nav a:not(.btn){font-size:14px}}

/* Consent to Contact toggle (matches nymbleinsurance.com) */
.consent{padding:16px 18px;border:1.5px solid #e5e2da;border-radius:12px;margin:14px 0;background:#fff;text-align:left}
.consent-title{font-size:.85rem;font-weight:700;margin:0 0 6px;color:#1d2433}
.consent-text{font-size:.82rem;line-height:1.6;margin:0 0 12px;color:#5b6270}
.consent-toggle{display:flex;align-items:center;gap:12px;cursor:pointer;user-select:none;margin:0;font-weight:600;font-size:.85rem;color:#1d2433}
.consent-toggle input{position:absolute;opacity:0;width:48px;height:26px;margin:0;cursor:pointer}
.consent-track{position:relative;display:inline-block;width:48px;height:26px;flex-shrink:0;border-radius:13px;background:#c9ced6;transition:background .2s}
.consent-knob{position:absolute;top:3px;left:3px;width:20px;height:20px;border-radius:50%;background:#fff;box-shadow:0 1px 3px rgba(0,0,0,.25);transition:transform .2s}
.consent-toggle input:checked+.consent-track{background:#0b6e4f}
.consent-toggle input:checked+.consent-track .consent-knob{transform:translateX(22px)}
.consent-toggle input:focus-visible+.consent-track{outline:3px solid #0b6e4f;outline-offset:2px}
.consent-req{color:#dc2626}.consent-sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
.consent.is-missing{border-color:#dc2626}

.field-error{display:block;color:#b91c1c;font-size:.8rem;margin-top:4px;font-weight:600}
input.is-invalid,select.is-invalid,textarea.is-invalid{border-color:#dc2626;outline-color:#dc2626}