/* Reference-led Havenforge layout refresh */
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/* Shared proportions and section order across the site. */
:root{--cream:#f1ebde;--gold:#e8b331}.site-header{background:linear-gradient(115deg,#081e41,#153762)}.header-inner{gap:24px}.main-nav{gap:28px}.brand{font-size:27px}.phone-icon{flex:none}.phone-block{border:0;padding-left:26px}.phone-copy small{letter-spacing:.025em}.phone-copy strong{white-space:nowrap}.home-hero{gap:24px;padding-bottom:40px}.hero-card,.hero-photo{height:auto;min-height:635px}.hero-card{padding:56px;justify-content:center}.hero-card h1{font-size:60px;line-height:1.1;letter-spacing:-.045em}.hero-photo{border:1px solid #dfcfa3;box-shadow:0 18px 26px #09265026}.trust-panel{min-height:100px;margin:0 0 28px}.btn{line-height:20px;gap:12px;white-space:normal;box-sizing:border-box}.btn.gold{background:linear-gradient(#f5c84b,#b8881c);box-shadow:0 10px 24px #b8881c26}.btn.navy{background:linear-gradient(110deg,#071d40,#183e6b)}.hero-actions{gap:12px}.hero-actions .btn:first-child{width:174px}.hero-actions .btn:last-child{width:154px}.benefits-section{padding:0 0 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@media(max-width:900px){.shell,.header-inner{width:calc(100% - 40px)}.header-inner{min-height:72px}.menu-toggle{display:block;order:3;margin-left:10px}.phone-block{margin-left:auto;padding:0}.phone-copy small{font-size:8px}.phone-copy strong{font-size:13px}.phone-icon{width:36px;height:36px}.main-nav{display:none;position:absolute;top:72px;left:0;width:100%;padding:22px;background:#092650;flex-direction:column;align-items:stretch;gap:20px}.main-nav.open{display:flex}.main-nav>a,.nav-group>button{font-size:16px}.nav-menu{top:100%;left:0;transform:none}.nav-group:hover .nav-menu,.nav-group:focus-within .nav-menu{transform:none}.home-hero{grid-template-columns:1fr 1fr;gap:18px;padding-top:24px}.hero-card{padding:28px!important;min-height:580px}.hero-card h1{font-size:42px!important}.hero-photo{min-height:580px}.hero-kicker{font-size:12px}.trust-panel{padding:16px;grid-template-columns:1fr;gap:12px}.hero-actions .btn:first-child,.hero-actions .btn:last-child{width:auto}.benefit-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.coverage-showcase.shell{padding:36px}.coverage-showcase-inner,.li-hero-grid,.li-split,.li-split.compact{grid-template-columns:1fr}.carrier-section{grid-template-columns:1fr;padding-block:64px;gap:28px}.carrier-section h2{text-align:center}.inline-carriers .carrier-logos{grid-template-columns:repeat(4,minmax(0,1fr))}.how-grid{grid-template-columns:repeat(2,1fr)}.home-faq{gap:28px}.home-faq>img{height:500px}.action-strip>.shell{gap:20px}.action-strip article+article{padding-left:20px}.footer-top.shell{grid-template-columns:1.5fr 1fr;gap:35px}.li-hero{padding-top:60px}.li-jump nav{grid-template-columns:repeat(2,1fr)}.li-card-grid.three,.li-card-grid.four{grid-template-columns:repeat(2,1fr)}.li-faq{grid-template-columns:1fr}.li-faq img{max-height:380px}.li-hero h1,.page-hero h1{font-size:48px}}
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.btn{white-space:nowrap;flex-shrink:0}.phone-block .phone-icon{color:#092650}.phone-block .phone-copy{letter-spacing:normal;text-transform:none}.home-hero .hero-card{justify-content:flex-start}.home-hero .hero-kicker{margin-top:0}.home-hero .hero-photo{min-height:635px}.home-hero .hero-card h1{margin-bottom:0}.home-hero .hero-photo>img{position:absolute;inset:0}.benefit-grid .image-tile h2{max-width:100%}.li-section .inline-carriers .carrier-logos{margin-top:8px}.carrier-section{scroll-margin-top:90px}
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.latest-heading{padding-top:64px}.latest-heading h2{font-size:36px}.latest-heading+.blog-grid{padding-top:32px}.li-section p{line-height:1.65}.li-section .check-stack{align-self:center}.li-section .carrier-section{padding-bottom:0}
.benefit-note{margin:18px 0 0;color:#667184;font-size:12px;line-height:1.6;max-width:1050px}.product-list article{display:grid;grid-template-columns:1fr 1.12fr;column-gap:24px;row-gap:12px;align-items:start}.product-list article>div{display:contents}.product-list h3{grid-column:1;grid-row:1;font-size:19px;line-height:1.25;margin:0}.product-list p{grid-column:2;grid-row:1/3;line-height:1.6}.product-list a{grid-column:1;grid-row:2;justify-self:start;align-self:start;margin:0;padding:6px 12px;background:#08172d;color:#fff;border-radius:9px;font-size:12px}.image-tile h2{font-size:26px}
@media(max-width:600px){.header-inner{min-height:76px;gap:12px}.site-header .brand{font-size:21px!important;gap:8px}.site-header .brand-logo{width:30px;height:38px}.phone-block{display:flex;margin-left:auto}.phone-block .phone-copy{display:none!important}.phone-block .phone-icon{display:grid!important;width:40px;height:40px;color:#092650}.phone-icon svg{width:20px;height:20px}.menu-toggle{width:40px;height:40px;margin-left:0;flex:none;border-radius:10px}.main-nav{top:76px}.hero-card{padding:36px 24px!important}.hero-card h1{font-size:40px!important;line-height:1.12}.hero-kicker{line-height:1.5;font-size:13px}.hero-rule{margin:24px 0}.lede{font-size:16px;line-height:1.7;margin-bottom:24px}.trust-panel{grid-template-columns:1fr;gap:20px;padding:24px;margin-bottom:26px}.trust-panel b{font-size:12px;margin-bottom:7px}.trust-panel span{font-size:13px;line-height:1.6}.hero-actions{flex-direction:column;align-items:stretch;gap:12px}.hero-actions .btn:first-child,.hero-actions .btn:last-child{width:100%;min-height:50px;font-size:15px}.hero-photo,.home-hero .hero-photo{height:340px;min-height:340px}.home-hero{gap:20px}.benefit-grid{gap:18px;padding-top:0}.benefit-grid article{padding:30px 26px}.benefit-grid article h3{font-size:22px;line-height:1.35;margin:25px 0 14px}.benefit-grid article p{line-height:1.7;font-size:16px}.image-tile h2{font-size:29px;line-height:1.28}.benefit-grid .image-tile{min-height:260px}.benefit-note{font-size:12px;line-height:1.7;margin-top:22px}.coverage-showcase.shell{padding:34px 24px}.coverage-intro h2{font-size:36px;line-height:1.15}.spotlight{padding:26px 22px}.spotlight h3{font-size:23px}.spotlight p{font-size:16px;line-height:1.7}.spotlight .btn{width:100%;white-space:normal;min-height:50px;line-height:1.4}.product-list article{display:block;padding:28px 24px}.product-list h3{font-size:22px;margin:0 0 14px}.product-list p{font-size:16px;line-height:1.7;margin:0 0 18px}.product-list a{display:inline-flex;padding:10px 16px;font-size:14px}.li-section h2,.home-faq h2,.center-heading h2{font-size:30px;line-height:1.2}.li-hero p:not(.eyebrow),.li-section p,.page-hero p{font-size:16px;line-height:1.75}.li-card-grid article,.li-two-cards article{padding:28px 24px}.li-jump nav{grid-template-columns:1fr}.li-jump a{min-height:0;padding:22px}.li-jump a b{font-size:16px;margin:12px 0}.li-jump a small{font-size:10px}.li-hero h1,.page-hero h1{font-size:38px;line-height:1.12}.resource-categories a{padding:24px;font-size:16px}.footer-top.shell{grid-template-columns:1fr;gap:32px}.footer-top>div:first-child{grid-column:auto}.footer-top a{font-size:15px;margin-bottom:11px}.footer-top h4{font-size:13px}.action-strip>.shell{padding-block:36px}.how-grid article{padding:30px 26px}.home-faq .accordion summary{font-size:16px;line-height:1.5}}
@media(max-width:360px){.site-header .brand{font-size:18px!important}.header-inner{gap:8px}.phone-block .phone-icon,.menu-toggle{width:36px;height:36px}.hero-card h1{font-size:36px!important}}
/* Contrast, complete coverage comparisons, and paired mobile cards. */
.spotlight{color:#092650}.spotlight h3{color:#092650;opacity:1}.spotlight p{color:#37465a;opacity:1}.coverage-intro .spotlight a{color:#092650}.coverage-amount,.rates-layout{margin-top:44px;align-items:start}.coverage-amount h3,.rates-layout h3{margin:0 0 20px;color:#092650;font-size:20px}.table-wrap{min-width:0;border:1px solid #d6deea;border-radius:18px;overflow:hidden;background:#fff}.coverage-table{border-collapse:collapse;width:100%;font-size:15px;line-height:1.5;text-align:left;color:#17233a}.coverage-table th,.coverage-table td{padding:20px 24px;vertical-align:top}.coverage-table thead{background:linear-gradient(110deg,#081e41,#193f6c);color:#fff}.coverage-table thead th{font-weight:800}.coverage-table tbody th{color:#102b50;font-weight:700}.coverage-table tbody tr:nth-child(odd){background:#f1ebde}.table-note{font-size:12px!important;line-height:1.6!important;padding:18px 24px;margin:0;color:#4e5c70;background:#fff}.detailed-products article{padding:28px;min-width:0}.detailed-products h3{font-size:22px;margin-bottom:18px}.detailed-products p{font-size:15px}.detailed-products h4{font-size:12px;text-transform:uppercase;letter-spacing:.06em;color:#a87305;margin:10px 0 14px}.detailed-products .check-list{margin:0 0 20px}.detailed-products .check-list li{font-size:15px;line-height:1.6;margin:9px 0}.best-for{background:#f1ebde;color:#344359;border-radius:12px;padding:18px;font-size:14px;line-height:1.6;margin:auto 0 24px}.best-for b{color:#092650}.detailed-products .btn{margin-top:0}.product-guide{font-size:12px;font-weight:700;text-decoration:none;color:#092650;margin-top:16px}.related-coverage{margin:28px 0 0;color:#37465a;font-size:15px}.related-coverage a{font-weight:700;color:#092650}.li-section.navy h2,.li-section.navy h3{color:#fff;opacity:1}.li-section.navy p,.li-section.navy .section-lede,.li-section.navy .li-card-grid p{color:#edf2fa;opacity:1}.li-section.navy .steps article{background:#ffffff08;border-color:#ffffff30}.spotlight .btn{opacity:1}
@media(max-width:600px){.benefit-grid,.how-grid,.li-card-grid.four,.li-card-grid.three,.li-card-grid.two,.li-two-cards,.li-jump nav,.resource-categories,.career-grid,.blog-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}.benefit-grid article,.how-grid article,.li-card-grid article,.li-two-cards article{min-width:0;padding:20px 16px}.benefit-grid article{min-height:238px}.benefit-grid .image-tile{min-height:238px;padding:20px 16px}.image-tile h2{font-size:21px;line-height:1.3}.benefit-grid article h3,.how-grid h3,.li-card-grid h3,.li-two-cards h3{font-size:17px;line-height:1.3;margin:22px 0 12px;overflow-wrap:break-word}.benefit-grid article p,.how-grid p,.li-card-grid p,.li-two-cards p{font-size:14px;line-height:1.65;color:#37465a}.benefit-grid svg{width:26px;height:26px}.li-section.navy .li-card-grid p{color:#edf2fa}.li-section.navy .li-card-grid h3{color:#fff}.li-card-grid .btn{width:100%;padding:11px 12px;min-height:46px;font-size:13px;white-space:normal;line-height:1.4}.li-jump a{padding:18px 14px;min-height:142px}.li-jump a b{font-size:14px;line-height:1.4}.li-jump a small{font-size:9px;letter-spacing:.08em}.li-two-cards ul{font-size:14px;padding-left:18px}.carrier-logos,.inline-carriers .carrier-logos{grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}.detailed-products article:last-child:nth-child(odd){grid-column:1/-1}.detailed-products article h3{font-size:18px;margin-top:0}.detailed-products article p,.detailed-products .check-list li,.best-for{font-size:14px}.detailed-products h4{font-size:11px}.detailed-products .check-list{padding:0}.best-for{padding:14px;margin-bottom:20px}.product-guide{line-height:1.5}.coverage-amount,.rates-layout{margin-top:30px;gap:28px}.coverage-table{font-size:13px;line-height:1.55}.coverage-table th,.coverage-table td{padding:16px 12px;overflow-wrap:break-word}.table-note{padding:16px;font-size:11px!important}.rate-table th,.rate-table td{text-align:left;white-space:normal;padding:15px 11px}.table-wrap{width:100%}.spotlight h3{font-size:23px}.spotlight p{font-size:16px;color:#37465a}.resource-categories a{padding:18px 14px;font-size:14px}.blog-grid h2{font-size:20px}.li-two-cards h2{font-size:23px}.footer-top.shell{grid-template-columns:repeat(2,minmax(0,1fr));gap:30px 22px}.footer-top>div:first-child{grid-column:1/-1}.footer-top a{font-size:14px}.li-card-grid.one{grid-template-columns:1fr}}