html{scroll-behavior:smooth}body,html{margin:0;padding:0;font-family:'Roboto',sans-serif;background-color:#f4f4f4;color:#333;font-weight:300}strong,b{font-weight:500}
/* ### UPDATED HERO IMAGE ### */
.hero-section{height:40vh;min-height:300px;
/* ### MODIFICATION: Removed background-image properties ### */
/* background-image:image-set(url(../../img/insurance.webp) type("image/webp"),url(../../img/insurance.jpg) type("image/jpeg")); */
/* background-image:url(../../img/insurance.jpg); */
/* background-size:cover; */
/* background-position:center; */
/* background-repeat:no-repeat; */
display:flex;flex-direction:column;justify-content:space-evenly;align-items:center;box-sizing:border-box;padding:20px 0;position:relative;overflow:hidden}

/* ### MODIFICATION: Added styles for the new HTML background ### */
.hero-background{position:absolute;top:0;left:0;width:100%;height:100%;z-index:1}
.hero-background img{width:100%;height:100%;object-fit:cover;object-position:center}
/* End of modification */

.hero-nav{width:100%;text-align:center;display:flex;justify-content:center;gap:40px;z-index:10}.hero-nav a{color:#cacaca;text-decoration:none;font-size:1rem;font-weight:300;transition:color .3s ease}.hero-nav a:hover{color:#fff}.hero-content-wrapper{display:flex;flex-direction:column;align-items:center;text-align:center;color:#fff;position:relative;z-index:2}.hero-content-wrapper img{width:130px;height:130px;aspect-ratio:1/1;margin-top:40px;margin-bottom:20px}.hero-section h1{color:#fff;font-size:4rem;font-weight:100;text-align:center;text-shadow:2px 2px 8px rgba(0,0,0,.7);margin:0;min-height:71px;width:100%;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}.mobile-support-link{display:none;color:#555;text-decoration:none;font-size:.9rem;font-weight:400;transition:color .3s ease;flex-shrink:0}.mobile-support-link:hover{color:#000}.mobile-header-placeholder{display:none}.hero-tagline{height:auto;position:relative;z-index:2}.hero-tagline p{margin:0;color:#e0e0e0;font-size:1.1rem;font-weight:100;text-shadow:1px 1px 4px rgba(0,0,0,.7);text-align:center;opacity:0;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;transform:translateZ(0)}.mobile-nav{display:none;position:absolute;top:40px;left:50%;transform:translateX(-50%);z-index:10;gap:40px}.mobile-nav-link{color:#cacaca;text-decoration:none;font-size:1rem;font-weight:300;transition:color .3s ease}.mobile-nav-link:hover{color:#fff}.content-section{padding:80px 20px 50px;box-sizing:border-box}.calculator-wrapper{max-width:1400px;margin:0 auto;display:grid;grid-template-columns:1.2fr 1fr;gap:60px;align-items:baseline;position:relative}.breadcrumb{position:absolute;top:-30px;left:-4px;color:#777;font-size:.9rem;font-weight:300}.breadcrumb a{color:inherit;text-decoration:none;transition:color .2s ease}.breadcrumb a:hover{color:#000}.breadcrumb span{color:#333;font-weight:400}.intro-section{grid-column:1 / -1;margin-bottom:0;margin-top:20px}.intro-section h2{font-size:4rem;font-weight:100;color:#333;margin-top:0;margin-bottom:20px;margin-left:-4px;line-height:1.1;min-height:71px}.intro-section p{font-size:1.1rem;line-height:1.7;color:#555;max-width:900px}.mobile-intro{display:none}.desktop-intro{display:block}.calculator-container h2,.results-container h2{font-size:4rem;font-weight:100;color:#333;margin-top:0;margin-bottom:40px;line-height:1.1;margin-left:-4px;min-height:71px}.input-section-header{margin-top:40px;margin-bottom:30px}.input-section-header:first-of-type{margin-top:0}.input-section-header h3{font-size:1.8rem;font-weight:300;margin:0}.input-grid{display:grid;grid-template-columns:1fr 1fr;gap:40px 80px}.input-group{position:relative;margin-bottom:20px}.input-group label{display:block;color:#666;font-size:.95rem;margin-bottom:5px;pointer-events:none}.input-group input[type=text],.input-group input[type=number]{width:100%;padding:8px 0;border:none;border-bottom:1px solid #ccc;font-size:1.1rem;color:#333;background-color:transparent;outline:none;font-weight:300;transition:border-bottom-color .3s ease;appearance:none}.input-group input[type=text]:focus,.input-group input[type=number]:focus{border-bottom-color:#666}input::-webkit-outer-spin-button,input::-webkit-inner-spin-button{-webkit-appearance:none;margin:0}input[type=number]{-moz-appearance:textfield}.checkbox-group{display:flex;align-items:center;margin-top:10px}.checkbox-group label{pointer-events:all;cursor:pointer;font-size:1rem;color:#555;margin-left:10px;margin-bottom:0}.checkbox-group input[type=checkbox]{appearance:none;-webkit-appearance:none;background-color:transparent;margin:0;font:inherit;color:currentColor;width:1.15em;height:1.15em;border:1px solid #ccc;border-radius:.15em;transform:translateY(-.075em);display:grid;place-content:center;cursor:pointer;transition:background-color .1s ease-in-out,border-color .1s ease-in-out}.checkbox-group input[type=checkbox]::before{content:"";width:.65em;height:.65em;transform:scale(0);transition:120ms transform ease-in-out;box-shadow:inset 1em 1em #fff;background-color:CanvasText;clip-path:polygon(14% 44%,0 65%,50% 100%,100% 16%,80% 0,43% 62%);transform-origin:center center}.checkbox-group input[type=checkbox]:checked{background-color:#8c5a3c;border-color:#8c5a3c}.checkbox-group input[type=checkbox]:checked::before{transform:scale(1)}.checkbox-group input[type=checkbox]:focus-visible{outline:2px solid #8c5a3c;outline-offset:2px}.results-summary-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(130px,1fr));gap:20px;margin-bottom:0;text-align:left}.summary-item span{display:block}.summary-item .label{font-size:.9rem;color:#666;margin-bottom:5px}.summary-item .value{font-size:1.5rem;font-weight:300;color:#333;overflow-wrap:break-word;word-break:break-word}.summary-text{margin-top:60px}.summary-text h3{font-size:1.8rem;font-weight:300;border-bottom:1px solid #ddd;padding-bottom:10px;margin-bottom:20px;margin-top:0}.summary-text p{font-size:1rem;line-height:1.6;color:#555;margin-bottom:0}.summary-highlight{font-weight:300}.summary-header-flex{display:block}.mobile-support-button{display:none}.breakdown-container{display:grid;grid-template-columns:1fr 1fr;gap:60px;margin-top:60px}.breakdown-section h3{font-size:1.8rem;font-weight:300;border-bottom:1px solid #ddd;padding-bottom:10px;margin-bottom:20px;margin-top:0}.result-item{display:flex;justify-content:space-between;align-items:center;font-size:1rem;padding:12px 0;gap:20px}.result-item .label{color:#666;text-align:left}.result-item .value{font-weight:300;text-align:right;white-space:nowrap}.savings-item .value{font-weight:400}
/* --- CHART STYLES REMOVED --- */
.seo-content-section{max-width:1400px;margin:100px auto 50px;padding:0;text-align:left}.seo-content-section h2{font-size:2.5rem;font-weight:100;color:#333;margin-top:60px;margin-bottom:20px;min-height:48px}.seo-content-section p,.seo-content-section li,.seo-content-section ul{font-size:1.1rem;line-height:1.7;color:#555;padding-left:0;list-style-position:inside}.seo-content-section ol{list-style:none;padding-left:0;counter-reset:guide-counter}.seo-content-section ol li{counter-increment:guide-counter;margin-bottom:25px;position:relative;padding-left:40px}.seo-content-section ol li::before{content:counter(guide-counter);position:absolute;left:0;top:0;width:28px;height:28px;border-radius:50%;background-color:#e9e9e9;border:1px solid #ddd;box-sizing:border-box;color:#555;font-weight:300;text-align:center;line-height:26px;font-size:.9rem}.faq-section details{border-bottom:1px solid #e0e0e0;padding:20px 0}.faq-section summary{font-size:1.2rem;font-weight:300;color:#333;cursor:pointer;list-style:none;position:relative;padding-right:30px}.faq-section summary::-webkit-details-marker{display:none}.faq-section summary::after{content:'+';position:absolute;right:5px;top:50%;transform:translateY(-50%);font-size:1.5rem;font-weight:300;color:#888;transition:transform .2s ease}.faq-section details[open] summary::after{transform:translateY(-50%) rotate(45deg)}.faq-section .faq-answer{padding:15px 5px 0;color:#555;line-height:1.7;font-size:1.1rem}footer{padding:100px 20px 40px;background:linear-gradient(to top,#eae5df 20%,transparent);display:flex;justify-content:center;align-items:center;gap:40px;flex-wrap:wrap}footer a{color:#777;text-decoration:none;font-size:.9rem;font-weight:300;transition:color .3s ease}footer a:hover{color:#000}.more-tools-section{max-width:1400px;margin:100px auto 50px}.more-tools-section h2{font-size:2.5rem;font-weight:100;color:#333;margin-bottom:30px;min-height:48px}.tools-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:40px}.tools-grid h3{font-size:1.2rem;font-weight:400;color:#333;margin-top:0;margin-bottom:20px}.links-container a,.links-container span{display:block;text-decoration:none;color:#555;font-size:1rem;font-weight:300;margin-bottom:12px;transition:color .2s ease}.links-container a:hover{color:#000}.links-container .disabled-tool-link{color:#999;cursor:default}@media (max-width: 992px){.hero-section{height:auto;min-height:250px;padding:40px 0;justify-content:space-evenly}.hero-nav{position:absolute;top:20px;left:50%;transform:translateX(-50%);width:auto;margin-bottom:0}.hero-content-wrapper img{width:100px;height:100px;margin-top:30px;margin-bottom:15px}.hero-section h1{font-size:3rem;min-height:53px;width:100%;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}.hero-tagline p{font-size:1rem}.hero-tagline{margin-top:25px}.calculator-wrapper{grid-template-columns:1fr;gap:60px;align-items:flex-start}.intro-section{margin-bottom:0;margin-top:0}
/* --- CHART STYLES REMOVED --- */
.tools-grid{grid-template-columns:1fr 1fr}}@media (max-width: 768px){.hero-nav{display:none}.mobile-nav{display:none}.hero-section{height:auto;min-height:auto;padding:0 15px;flex-direction:row;justify-content:space-between;
/* ### MODIFICATION: Removed background-image: none; ### */
/* The existing .hero-background { display: none; } rule (line 178) handles this */
background-color:#f4f4f4;border-bottom:1px solid #e5e5e5;position:fixed;top:0;left:0;width:100%;z-index:100;padding-bottom:0}.hero-background,.hero-tagline{display:none}.hero-content-wrapper{flex-direction:row;justify-content:space-between;align-items:center;width:100%;margin-bottom:0;color:#333}.hero-content-wrapper img{width:24px;height:24px;aspect-ratio:1/1;margin-bottom:0;transform:translateY(-13px)}.hero-section h1{font-size:1.3rem;font-weight:300;color:#333;text-shadow:none;flex-grow:1;text-align:center;margin:0 10px;min-height:auto;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}.mobile-support-link{display:none}.mobile-header-placeholder{display:block;width:24px;height:24px;flex-shrink:0}.content-section{padding:50px 15px 50px}.breadcrumb{position:static;margin-top:15px;margin-bottom:-6px;left:auto;margin-left:0}.intro-section h2,.calculator-container h2,.results-container h2,.seo-content-section h2,.more-tools-section h2{font-size:2.5rem;margin-bottom:30px;line-height:1.2;margin-left:0;margin-top:-10px;min-height:48px}
/* --- CHART STYLES REMOVED --- */
.intro-section{margin-top:0}.mobile-intro{display:block}.desktop-intro{display:none}.intro-section p,.seo-content-section p,.seo-content-section li,.faq-section .faq-answer,.seo-content-section ul{font-size:1rem}.input-grid{grid-template-columns:1fr;gap:0}.input-group{margin-bottom:30px}.summary-text,.breakdown-container{margin-top:40px}.summary-text h3{border-bottom:none;padding-bottom:0;margin-bottom:0}.summary-header-flex{display:flex;justify-content:space-between;align-items:center;border-bottom:1px solid #ddd;padding-bottom:10px;margin-bottom:20px}.mobile-support-button{display:inline-block;text-decoration:none;color:#333;background-color:#fff;padding:6px 16px;border-radius:999px;font-size:.9rem;font-weight:400;box-shadow:0 2px 5px rgba(0,0,0,.15);border:none;flex-shrink:0}.breakdown-container{grid-template-columns:1fr;gap:40px}
/* --- CHART STYLES REMOVED --- */
.seo-content-section,.more-tools-section{margin-top:60px;padding:0}.tools-grid{grid-template-columns:1fr}.faq-section summary{font-size:1.1rem}}@keyframes fadeInOut{0%{opacity:0}15%{opacity:1}85%{opacity:1}100%{opacity:0}}.hero-tagline p.fade-in-out{animation:fadeInOut 5.5s forwards}