:root{
  --bg:#fbfaf6;
  --paper:#ffffff;
  --rule:rgba(15,23,42,.14);
  --rule-soft:rgba(15,23,42,.08);
  --ink:#13141a;
  --ink-2:#2a2d36;
  --muted:#5b6170;
  --subtle:#9aa0ad;
  --primary:#1e40af;
  --primary-hover:#1e3a8a;
  --link:#1e40af;
  --accent:#b8893a;
  --red:#a8261d;
  --green:#0f6b3a;
  --radius:6px;
  --radius-lg:10px;
  --shadow-sm:0 1px 2px rgba(15,23,42,.05);
  --shadow:0 6px 24px rgba(15,23,42,.08);
  --ease:cubic-bezier(.32,.72,0,1);
  --serif:'Source Serif 4','Source Serif Pro',Georgia,'Times New Roman',serif;
  --display:'Fraunces','Source Serif 4',Georgia,serif;
  --sans:'Inter',ui-sans-serif,system-ui,-apple-system,sans-serif;
}
*{box-sizing:border-box}
html,body{margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  font:18px/1.65 var(--serif);
  color:var(--ink);
  background:var(--bg);
  -webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;
}
img{max-width:100%;display:block}
a{color:var(--link);text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:3px;transition:color .15s var(--ease)}
a:hover{color:var(--primary-hover)}

/* ──── MASTHEAD ──── */
.masthead{
  border-bottom:1px solid var(--ink);
  background:var(--bg);
}
.masthead-top{
  font-family:var(--sans);font-size:11px;letter-spacing:.18em;text-transform:uppercase;
  color:var(--muted);
  display:flex;justify-content:space-between;align-items:center;
  padding:10px 0;border-bottom:1px solid var(--rule-soft);
}
.masthead-top .date b{color:var(--ink);font-weight:600}
.masthead-main{display:flex;align-items:center;justify-content:space-between;padding:18px 0 22px;gap:24px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:inherit}
.brand img{height:36px;width:auto;border-radius:4px}
.brand-name{
  font-family:var(--display);
  font-weight:700;font-size:30px;letter-spacing:-.02em;color:var(--ink);
}
.brand-name em{font-style:italic;font-weight:500;color:var(--accent)}
.section-label{
  font-family:var(--sans);font-size:11px;letter-spacing:.22em;text-transform:uppercase;
  color:var(--muted);font-weight:600;
}
.wrap{max-width:760px;margin:0 auto;padding:0 24px}
.wrap-wide{max-width:980px;margin:0 auto;padding:0 24px}

/* ──── ARTICLE HEAD ──── */
.article-head{padding:56px 0 32px}
.kicker{
  font-family:var(--sans);font-size:12px;font-weight:700;
  letter-spacing:.2em;text-transform:uppercase;color:var(--red);
  margin:0 0 18px;display:inline-flex;align-items:center;gap:10px;
}
.kicker::after{content:'';flex:1;height:1px;background:var(--rule);min-width:40px}
h1.headline{
  font-family:var(--display);
  font-weight:600;
  font-size:clamp(36px,5.4vw,60px);
  line-height:1.04;letter-spacing:-.028em;
  margin:0 0 22px;color:var(--ink);
}
h1.headline em{font-style:italic;font-weight:500}
.deck{
  font-family:var(--serif);font-style:italic;
  font-size:clamp(19px,2vw,23px);line-height:1.45;color:var(--ink-2);
  margin:0 0 32px;max-width:60ch;font-weight:400;
}
.byline{
  display:flex;flex-wrap:wrap;gap:8px 18px;align-items:center;
  font-family:var(--sans);font-size:13px;color:var(--muted);
  padding:18px 0;border-top:1px solid var(--rule);border-bottom:1px solid var(--rule);
}
.byline b{color:var(--ink);font-weight:600}
.byline .sep{color:var(--subtle)}
.byline a{color:var(--muted);text-decoration:none}
.byline a:hover{color:var(--ink);text-decoration:underline}

/* ──── ARTICLE BODY ──── */
.article{padding:40px 0 64px}
.article p{
  margin:0 0 1.2em;
  font-size:19px;line-height:1.7;color:var(--ink);
}
.article p.lede::first-letter{
  font-family:var(--display);
  float:left;font-size:72px;line-height:.85;
  font-weight:700;
  padding:8px 10px 0 0;color:var(--ink);
}
.article h2{
  font-family:var(--display);
  font-weight:600;
  font-size:clamp(26px,3vw,34px);
  line-height:1.15;letter-spacing:-.02em;
  margin:48px 0 10px;color:var(--ink);
}
.article h2 .num{
  display:block;
  font-family:var(--sans);font-size:12px;font-weight:700;letter-spacing:.22em;
  color:var(--red);text-transform:uppercase;margin-bottom:10px;
}
.article h3{
  font-family:var(--display);font-weight:600;
  font-size:24px;letter-spacing:-.015em;
  margin:40px 0 12px;color:var(--ink);
}
.article .meta-line{
  font-family:var(--sans);font-size:13px;color:var(--muted);
  margin:0 0 22px;
}
.article .meta-line b{color:var(--ink);font-weight:600}
.article strong, .article b{color:var(--ink);font-weight:700}
.article em{font-style:italic}

/* ──── INLINE BOOK CARD (small, editorial) ──── */
.book-inline{
  display:grid;
  grid-template-columns:110px 1fr;
  gap:24px;
  align-items:start;
  margin:24px 0 8px;
  padding:20px 0 4px;
  border-top:1px solid var(--rule);
}
.book-inline .mini-cover{
  aspect-ratio:2/3;
  border-radius:3px 5px 5px 3px;
  overflow:hidden;
  box-shadow:
    inset 3px 0 0 rgba(0,0,0,.18),
    inset 5px 0 6px rgba(0,0,0,.12),
    0 8px 20px -8px rgba(15,23,42,.3);
}
.book-inline .mini-cover svg{width:100%;height:100%;display:block}
.book-inline .info{padding-top:2px}
.book-inline .info .title{
  font-family:var(--display);font-weight:600;font-size:22px;line-height:1.15;letter-spacing:-.015em;
  margin:0 0 4px;color:var(--ink);
}
.book-inline .info .author{
  font-family:var(--sans);font-size:13px;color:var(--muted);margin:0 0 14px;
}
.book-inline .info .author b{color:var(--ink);font-weight:600}
.book-inline .buy{
  display:inline-flex;align-items:center;gap:8px;
  font-family:var(--sans);font-size:13px;font-weight:600;
  padding:8px 14px;border:1px solid var(--ink);
  border-radius:999px;
  background:var(--ink);color:#fff;text-decoration:none;
  transition:all .15s var(--ease);
}
.book-inline .buy:hover{background:var(--primary);border-color:var(--primary);color:#fff;transform:translateY(-1px)}
.book-inline .buy svg{flex:0 0 auto}

/* ──── PULL QUOTE (editorial) ──── */
.pullquote{
  margin:40px -20px;padding:32px 24px;
  border-top:2px solid var(--ink);border-bottom:1px solid var(--ink);
  text-align:left;
}
.pullquote q{
  display:block;quotes:none;
  font-family:var(--display);font-style:italic;font-weight:500;
  font-size:clamp(24px,3vw,32px);line-height:1.25;letter-spacing:-.02em;
  color:var(--ink);margin:0 0 14px;
}
.pullquote q::before{content:'\201C'}
.pullquote q::after{content:'\201D'}
.pullquote .attribution{
  font-family:var(--sans);font-size:12px;letter-spacing:.18em;text-transform:uppercase;
  color:var(--muted);font-weight:600;
}

/* ──── SIDEBAR / CALLOUT ──── */
.callout{
  margin:28px 0;padding:22px 24px;
  background:#f5efe1;
  border-left:3px solid var(--accent);
  font-size:16.5px;line-height:1.6;
}
.callout .label{
  font-family:var(--sans);font-size:11px;letter-spacing:.2em;text-transform:uppercase;
  color:var(--accent);font-weight:700;margin:0 0 8px;
}
.callout p{margin:0;font-size:16.5px}
.callout p + p{margin-top:10px}

/* ──── DISCLOSURE ──── */
.editor-note{
  font-family:var(--sans);
  font-size:13px;line-height:1.55;color:var(--muted);
  padding:14px 0;margin:0 0 24px;
  border-top:1px solid var(--rule-soft);border-bottom:1px solid var(--rule-soft);
  font-style:italic;
}
.editor-note b{color:var(--ink);font-weight:600;font-style:normal}

/* ──── SECTION DIVIDER ──── */
.divider{
  text-align:center;margin:48px auto;
  font-family:var(--display);font-size:20px;color:var(--subtle);
  letter-spacing:.5em;
}

/* ──── EDITORIAL INSURANCE WIDGET ──── */
.ad-label{
  font-family:var(--sans);font-size:10px;font-weight:700;letter-spacing:.24em;text-transform:uppercase;
  color:var(--subtle);text-align:left;
  margin:48px 0 8px;
  display:flex;align-items:center;gap:10px;
}
.ad-label::after{content:'';flex:1;height:1px;background:var(--rule-soft)}
.insurance-widget{
  margin:0 0 48px;
  padding:32px 0 28px;
  border-top:2px solid var(--ink);
  border-bottom:1px solid var(--rule);
  background:transparent;
  position:relative;
}
.iw-proof{
  display:inline-flex;align-items:center;gap:8px;
  font-family:var(--sans);font-size:12px;font-weight:700;
  letter-spacing:.06em;text-transform:uppercase;
  color:var(--green);
  background:#ecfdf5;border:1px solid #a7f3d0;
  padding:6px 12px;border-radius:999px;
  margin:0 0 16px;
}
.iw-proof svg{flex:0 0 auto}
.iw-headline{
  font-family:var(--display);font-weight:600;
  font-size:clamp(24px,2.6vw,30px);line-height:1.15;letter-spacing:-.02em;
  margin:0 0 12px;color:var(--ink);
}
.iw-headline .savings{
  color:var(--green);
  background:linear-gradient(to bottom, transparent 62%, rgba(15,107,58,.18) 62%);
  padding:0 2px;
}
.iw-sub{
  font-family:var(--serif);font-size:17px;color:var(--ink-2);line-height:1.55;
  margin:0 0 24px;max-width:58ch;
}
.iw-prompt{
  font-family:var(--sans);font-size:13px;font-weight:700;
  letter-spacing:.12em;text-transform:uppercase;color:var(--ink);
  margin:0 0 12px;
  display:flex;align-items:center;gap:10px;
}
.iw-prompt .step{
  display:inline-flex;align-items:center;justify-content:center;
  width:22px;height:22px;border-radius:50%;
  background:var(--ink);color:#fff;font-size:12px;font-weight:700;letter-spacing:0;
}
.iw-ages{
  display:grid;
  grid-template-columns:repeat(6,1fr);
  gap:10px;
  margin:0 0 4px;
}
.iw-age{
  font-family:var(--sans);font-size:17px;font-weight:600;letter-spacing:-.005em;
  height:60px;padding:0;
  border:1.5px solid var(--rule);border-radius:10px;
  background:#fff;color:var(--ink);cursor:pointer;text-decoration:none;
  transition:all .15s var(--ease);
  display:flex;align-items:center;justify-content:center;
  box-shadow:var(--shadow-sm);
}
.iw-age:hover{
  border-color:var(--ink);
  background:#fafaf7;
  color:var(--ink);
  transform:translateY(-1px);
  box-shadow:0 4px 12px -2px rgba(15,23,42,.12);
}
.iw-age:active{transform:translateY(0);box-shadow:var(--shadow-sm)}
.iw-age:focus-visible{outline:none;border-color:var(--primary);box-shadow:0 0 0 3px rgba(30,64,175,.22)}
.iw-ages{position:relative}

.iw-fast{
  font-family:var(--sans);font-size:13.5px;color:var(--muted);
  margin:18px 0 4px;line-height:1.5;
}
.iw-fast b{color:var(--ink);font-weight:700}

.iw-trust{
  display:flex;flex-wrap:wrap;gap:8px 20px;
  margin:14px 0 0;
  font-family:var(--sans);font-size:12.5px;color:var(--muted);
}
.iw-trust span{display:inline-flex;align-items:center;gap:6px}
.iw-trust svg{color:var(--green);flex:0 0 auto}

.iw-fine{
  font-family:var(--sans);font-size:11.5px;color:var(--subtle);
  margin:14px 0 0;line-height:1.5;
}

@media (max-width:640px){
  .iw-ages{grid-template-columns:repeat(2,1fr);gap:10px}
  .iw-age{height:64px;font-size:17px}
  .iw-age .iw-age-go{font-size:14px}
}

/* ──── FOOTER ──── */
footer{
  border-top:1px solid var(--ink);
  padding:40px 0 56px;background:var(--bg);margin-top:48px;
}
.foot{
  display:flex;flex-direction:column;gap:18px;
  font-family:var(--sans);font-size:13px;color:var(--muted);
}
.foot-top{
  display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:14px;
  padding-bottom:18px;border-bottom:1px solid var(--rule-soft);
}
.foot-brand{display:flex;align-items:center;gap:10px;font-family:var(--display);font-size:18px;font-weight:700;color:var(--ink);letter-spacing:-.015em}
.foot-brand em{font-style:italic;font-weight:500;color:var(--accent)}
.foot-brand img{height:24px;width:auto;border-radius:3px}
.foot-links{display:flex;flex-wrap:wrap;gap:6px 22px}
.foot-links a{color:var(--muted);text-decoration:none}
.foot-links a:hover{color:var(--ink);text-decoration:underline}
.foot-bottom{
  display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:10px;
  font-size:12px;color:var(--subtle);
}

/* ──── RESPONSIVE ──── */
@media (max-width:640px){
  body{font-size:17px}
  .article p{font-size:17.5px}
  .article p.lede::first-letter{font-size:60px}
  .book-inline{grid-template-columns:80px 1fr;gap:16px;margin:20px 0 4px;padding:16px 0 0}
  .book-inline .info .title{font-size:19px}
  .iw-inner{grid-template-columns:1fr;gap:24px}
  .insurance-widget{padding:28px 22px}
  .iw-card{padding:20px}
  .pullquote{margin:32px 0;padding:24px 4px}
  .masthead-top{font-size:10px}
  .brand img{height:30px}
  .brand-name{font-size:24px}
  .signup-section{padding:28px 20px}
  .signup .row{flex-direction:column}
  .signup input,.signup button{width:100%}
}
@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{transition:none!important;animation:none!important}
}