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0;background:var(--pure-white);border-bottom:1px solid var(--warm-200)}.carriers-inner{text-align:center}.carriers-headline{font-family:var(--font-display);font-size:1.15rem;color:var(--dark-green);margin-bottom:6px;font-weight:600}.carriers-headline span{color:var(--teal)}.carriers-sub{font-size:14px;color:var(--text-tertiary);margin-bottom:24px}.carriers-logos{display:flex;align-items:center;justify-content:center;gap:32px;flex-wrap:wrap;opacity:.4}.carrier-logo{font-size:13px;color:var(--text-tertiary);font-weight:600;white-space:nowrap}.how-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.how-card{padding:36px 32px;border-radius:var(--radius-lg);background:var(--warm-50);border:1px solid var(--warm-200);transition:all .35s;position:relative;overflow:hidden}.how-card:after{content:"";position:absolute;top:0;left:0;right:0;height:3px;background:var(--teal);opacity:0;transition:opacity 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var(--warm-100)}.mini-calc-label{font-size:13px;color:var(--text-tertiary)}.mini-calc-value{font-family:var(--font-mono);font-size:14px;color:var(--dark-green)}.mini-calc-result{margin-top:12px;padding:14px;border-radius:var(--radius-md);text-align:center}.mini-calc-result-label{font-size:11px;text-transform:uppercase;letter-spacing:.06em}.mini-calc-result-value{font-family:var(--font-display);font-size:28px;font-weight:600}.leadership-section{padding:100px 0;background:var(--pure-white)}.leadership-grid{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:start}.leadership-content{max-width:500px}.leadership-content p{font-size:1rem;line-height:1.7;color:var(--text-secondary);margin-bottom:20px}.board-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}.board-card{padding:24px;border-radius:var(--radius-lg);background:var(--warm-50);border:1px solid var(--warm-200);transition:all 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var(--warm-200);text-align:center;transition:all .3s}.expert-stat:hover{border-color:var(--teal-100);box-shadow:var(--shadow-md)}.expert-stat-number{font-family:var(--font-display);font-size:2.2rem;color:var(--dark-green);margin-bottom:4px;font-weight:700}.expert-stat-label{font-size:.8rem;color:var(--text-tertiary)}.trust-badges{display:flex;flex-wrap:wrap;gap:10px;margin-top:24px}.trust-badge{display:flex;gap:6px;padding:8px 16px;border-radius:100px;background:var(--pure-white);border:1px solid var(--warm-200);color:var(--text-secondary)}.bbb-badge,.trust-badge{align-items:center;font-size:13px}.bbb-badge{display:inline-flex;gap:8px;padding:8px 16px 8px 10px;border-radius:var(--radius-sm);background:#f0f7ff;border:1px solid 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.2s;-webkit-appearance:none;-moz-appearance:none;appearance:none;cursor:pointer;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%237a8f97' stroke-width='2'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 12px center}.filter-input:focus,.filter-select:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 3px rgba(13,178,212,.1)}.term-toggle{display:flex;background:var(--warm-100);border-radius:var(--radius-md);padding:4px;gap:4px;margin-bottom:24px}.term-btn{flex:1;padding:12px 20px;border:none;border-radius:var(--radius-sm);font-family:var(--font-body);font-size:.9rem;cursor:pointer;transition:all .25s;background:none;color:var(--text-tertiary);display:flex;flex-direction:column;align-items:center;gap:2px}.term-btn.active{background:var(--pure-white);color:var(--dark-green);box-shadow:var(--shadow-sm)}.term-btn:hover:not(.active){color:var(--text-secondary)}.term-btn-rate{font-family:var(--font-mono);font-size:.8rem;font-weight:500}.term-btn.active .term-btn-rate{color:var(--green-accent)}.results-header{display:flex;align-items:center;justify-content:space-between;margin-bottom:16px;padding:0 4px;flex-wrap:wrap;gap:8px}.results-count{font-size:.85rem;color:var(--text-tertiary)}.results-count strong{color:var(--text-primary)}.sort-control{display:flex;align-items:center;gap:8px}.sort-label{font-size:.78rem;color:var(--text-tertiary)}.sort-select{padding:6px 28px 6px 10px;border:1px solid var(--warm-200);border-radius:var(--radius-sm);font-family:var(--font-body);font-size:.8rem;color:var(--text-secondary);background:var(--pure-white);-webkit-appearance:none;-moz-appearance:none;appearance:none;cursor:pointer;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='10' height='10' viewBox='0 0 24 24' fill='none' stroke='%237a8f97' stroke-width='2'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 8px center}.rates-page .rate-table{background:var(--pure-white);border:1px solid var(--warm-200);border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow-sm)}.rates-page .rate-table-head{display:grid;grid-template-columns:1.6fr 1.5fr .6fr .7fr .9fr .8fr 1fr;padding:14px 28px;background:var(--warm-100);border-bottom:1px solid var(--warm-200)}.rates-page .rate-table-head span{font-size:.7rem;color:var(--text-tertiary);text-transform:uppercase;letter-spacing:.06em;display:flex;align-items:center;gap:4px;cursor:pointer;-webkit-user-select:none;-moz-user-select:none;user-select:none}.rates-page .rate-table-head span:hover{color:var(--text-secondary)}.sort-arrow{font-size:.6rem;opacity:.4}.sort-arrow.active{opacity:1;color:var(--teal-dark)}.rates-page .rate-row{display:grid;grid-template-columns:1.6fr 1.5fr .6fr .7fr .9fr .8fr 1fr;padding:18px 28px;align-items:center;border-bottom:1px solid var(--warm-100);transition:all .15s;cursor:pointer}.carrier-cell{display:flex;align-items:center;gap:14px}.carrier-cell .carrier-logo{width:44px;height:44px;border-radius:var(--radius-md);display:flex;align-items:center;justify-content:center;font-size:.7rem;color:white;flex-shrink:0;font-weight:600;letter-spacing:.02em}.carrier-name{font-size:.95rem;color:var(--text-primary);line-height:1.3}.carrier-rating{font-size:.75rem;color:var(--text-tertiary);display:flex;align-items:center;gap:4px}.rating-badge{display:inline-flex;padding:1px 6px;border-radius:3px;font-size:.65rem;font-weight:600;line-height:1.4}.rating-excellent{background:var(--green-50);color:var(--green-accent)}.rating-good{background:#e8f0fe;color:#3367d6}.rating-fair{background:#fef3e2;color:#b87a1a}.product-cell{font-size:.85rem;color:var(--text-secondary);line-height:1.4}.rating-cell{display:flex;align-items:center;gap:6px}.rating-text{font-size:.75rem;color:var(--text-tertiary)}.firstyr-cell{font-size:.95rem;color:var(--text-secondary)}.apy-cell,.firstyr-cell{font-family:var(--font-mono)}.apy-cell{font-size:1.25rem;font-weight:600;color:var(--green-accent)}.apy-cell.top-rate{position:relative}.top-badge{position:absolute;top:-8px;right:-8px;font-size:.55rem;background:var(--orange);color:white;padding:1px 5px;border-radius:3px;font-family:var(--font-body);text-transform:uppercase;letter-spacing:.04em;font-weight:400}.min-cell,.term-cell{font-size:.9rem;color:var(--text-secondary)}.type-cell{font-size:.8rem;color:var(--text-tertiary)}.row-cta{display:inline-flex;align-items:center;gap:6px;padding:10px 20px;border-radius:var(--radius-md);background:var(--teal);color:white;font-size:.8rem;text-decoration:none;transition:all .25s;border:none;cursor:pointer;font-family:var(--font-body);box-shadow:0 2px 8px rgba(13,178,212,.2)}.row-cta:hover{background:var(--teal-dark);transform:translateY(-1px);box-shadow:0 4px 12px rgba(13,178,212,.3);text-decoration:none}.rate-row-detail{display:none;padding:0 28px 24px;background:var(--teal-50);border-bottom:1px solid var(--teal-100)}.rate-row-detail.open{display:block}.detail-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;padding-top:20px}.detail-label{font-size:.7rem;color:var(--text-tertiary);text-transform:uppercase;letter-spacing:.06em;margin-bottom:2px}.detail-value{font-size:.9rem;color:var(--text-primary)}.detail-cta{padding-top:20px;border-top:1px solid var(--teal-100);margin-top:20px;text-align:center}.detail-buy-btn{display:inline-flex;align-items:center;gap:8px;padding:12px 32px;background:var(--teal);color:white;border:none;border-radius:var(--radius-md);font-family:var(--font-body);font-size:.95rem;font-weight:500;cursor:pointer;transition:all .2s}.detail-buy-btn:hover{background:var(--teal-dark);box-shadow:0 4px 12px rgba(13,178,212,.3)}button.row-cta{border:none;cursor:pointer;font-family:var(--font-body)}.buy-modal-overlay{position:fixed;inset:0;z-index:9999;background:rgba(0,40,48,.6);backdrop-filter:blur(4px);display:flex;align-items:center;justify-content:center;padding:24px}.buy-modal-overlay[hidden]{display:none}.buy-modal{background:var(--pure-white,#fff);border-radius:var(--radius-lg,12px);box-shadow:0 24px 64px rgba(0,40,48,.25);max-width:520px;width:100%;position:relative;max-height:90vh;overflow-y:auto;padding:2rem}.buy-modal-close{position:absolute;top:12px;right:12px;background:none;border:none;font-size:1.5rem;color:var(--text-tertiary,#7a8f97);cursor:pointer;width:36px;height:36px;display:flex;align-items:center;justify-content:center;border-radius:50%;transition:all .15s}.buy-modal-close:hover{background:var(--warm-100,#f5f3f1);color:var(--text-primary,#1a2a30)}.buy-context-badge{background:linear-gradient(135deg,var(--teal-50,#e8f7f9),var(--green-50,#ecf5ec));padding:16px 20px;border-radius:var(--radius-md,8px);font-size:.95rem;color:var(--dark-green,#005060);text-align:center;line-height:1.5;margin-bottom:1.5rem}.buy-context-product{font-size:.82rem;color:var(--text-tertiary,#7a8f97);margin-top:4px}.buy-modal-form-wrap .lcf-card{box-shadow:none;padding:0}.no-results{padding:60px 28px;text-align:center;color:var(--text-tertiary)}.no-results-icon{font-size:2rem;margin-bottom:12px;opacity:.3}.no-results h3{font-family:var(--font-display);font-size:1.2rem;color:var(--text-secondary);margin-bottom:8px}.no-results p{font-size:.9rem}.pagination{display:flex;align-items:center;justify-content:center;gap:8px;padding:24px 0}.page-btn{padding:8px 16px;border:1px solid var(--warm-200);border-radius:var(--radius-sm);background:var(--pure-white);font-family:var(--font-body);font-size:.85rem;color:var(--text-secondary);cursor:pointer;transition:all .2s}.page-btn:hover{border-color:var(--teal-100);color:var(--dark-green)}.page-btn.active{background:var(--teal);color:white;border-color:var(--teal)}.page-btn:disabled{opacity:.4;cursor:default}.edu-section{padding:80px 0;border-top:1px solid var(--warm-200)}.edu-content{max-width:800px}.edu-content h2{font-size:1.6rem;color:var(--dark-green-950);margin-bottom:16px}.edu-content h2,.edu-content h3{font-family:var(--font-display);font-weight:600}.edu-content h3{font-size:1.15rem;color:var(--dark-green);margin:32px 0 10px}.edu-content p{font-size:1rem;line-height:1.8;color:var(--text-secondary);margin-bottom:16px}.edu-content strong{color:var(--text-primary)}.edu-content a{color:var(--teal-dark)}.editorial-note{font-size:.85rem;color:var(--text-tertiary);margin-top:32px;padding-top:20px;border-top:1px solid var(--warm-200)}.rates-unavailable-hero{margin-top:24px;padding:20px 28px;background:rgba(255,255,255,.1);border-radius:var(--radius-md);border:1px solid rgba(255,255,255,.15)}.rates-unavailable-hero p{font-size:.9rem;color:rgba(255,255,255,.7);line-height:1.6;margin:0}.rates-unavailable{text-align:center;padding:64px 32px;background:var(--pure-white);border-radius:var(--radius-lg);border:1px solid var(--warm-200);margin-bottom:32px}.rates-unavailable-icon{color:var(--text-tertiary);margin-bottom:16px;opacity:.4}.rates-unavailable h3{font-family:var(--font-display);font-size:1.3rem;color:var(--dark-green);margin-bottom:12px;font-weight:600}.rates-unavailable p{font-size:.92rem;color:var(--text-secondary);max-width:520px;margin:0 auto 8px;line-height:1.65}.rates-unavailable a{color:var(--teal-dark)}.rates-unavailable a:hover{color:var(--dark-green)}.rates-page .disclaimer{padding:24px 28px;background:var(--warm-100);border-radius:var(--radius-lg);margin:40px 0;border:1px solid var(--warm-200)}.rates-page .disclaimer p{font-size:.8rem;line-height:1.65;color:var(--text-tertiary);margin:0}.rates-page .disclaimer strong{color:var(--text-secondary)}.disclaimer{padding:20px 36px 24px;background:var(--warm-100);border-top:1px solid var(--warm-200)}.disclaimer,.disclaimer p{font-size:.78rem;line-height:1.6;color:var(--text-tertiary)}.disclaimer p{margin:0}.disclaimer strong{color:var(--text-secondary)}.rates-page .faq-section{margin:40px 0}.rates-page .faq-item{border:1px solid var(--border-light,#e5e2e0);border-radius:8px;margin-bottom:.5rem;overflow:hidden}.rates-page .faq-question{display:flex;align-items:center;justify-content:space-between;padding:.9rem 1.2rem;gap:16px;cursor:pointer;font-family:var(--font-display);font-size:.92rem;color:var(--dark-green);font-weight:600;transition:background .2s;-webkit-user-select:none;-moz-user-select:none;user-select:none;background:var(--bg-light,#f8f6f5);border:none;width:100%;text-align:left}.rates-page .faq-question:hover{background:var(--bg-highlight,#f0edeb)}.rates-page .faq-question .faq-arrow{font-size:1.1rem;flex-shrink:0}.rates-page .faq-answer-inner{padding:0 0 20px;font-size:.95rem;line-height:1.75;color:var(--text-secondary);border-top:none}.calc-container{max-width:760px;margin:-30px auto 0;padding:0 24px 80px;position:relative;z-index:2}.calc-card{background:var(--pure-white);border-radius:var(--radius-xl);box-shadow:var(--shadow-xl);overflow:hidden;border:1px solid rgba(0,80,96,.04)}.progress-wrap{padding:28px 36px 0}.progress-bar{height:6px;background:var(--warm-200);border-radius:3px;overflow:hidden;margin-bottom:12px}.progress-fill{height:100%;background:linear-gradient(90deg,var(--teal),var(--teal-light));transition:width .5s ease;border-radius:3px}.progress-labels{display:flex;justify-content:space-between;gap:4px}.progress-label{font-size:.65rem;color:var(--text-tertiary);text-align:center;flex:1;transition:color .3s}.progress-label.active{color:var(--teal-dark);font-weight:500}.progress-label.done{color:var(--green-accent)}.longevity-calc .progress-bar{height:4px}.longevity-calc .progress-fill{background:linear-gradient(90deg,var(--teal),var(--orange));border-radius:0 2px 2px 0}.step-header{padding:28px 36px 0;gap:14px}.step-header,.step-icon{display:flex;align-items:center}.step-icon{width:40px;height:40px;border-radius:12px;justify-content:center;flex-shrink:0}.step-title{font-family:var(--font-display);font-size:1.3rem;color:var(--dark-green);font-weight:600}.step-subtitle{font-size:.8rem;color:var(--text-tertiary)}.step{display:none;padding:32px 36px 36px;min-height:320px}.step.active{display:flex;flex-direction:column;animation:fadeIn .35s ease}.longevity-calc .step.active{display:block;animation:fadeIn .4s ease}.step-question{font-family:var(--font-display);font-size:1.3rem;color:var(--dark-green);text-align:center;margin-bottom:28px;font-weight:600;line-height:1.35}.option-list{display:flex;flex-direction:column;gap:12px;flex:1}.option-btn{display:flex;align-items:center;gap:14px;padding:18px 22px;border:1.5px solid var(--warm-200);border-radius:var(--radius-md);background:var(--pure-white);cursor:pointer;transition:all .2s;font-family:var(--font-body);font-size:.95rem;color:var(--text-primary);text-align:left;width:100%;line-height:1.4}.option-btn:hover{border-color:var(--teal-100);background:var(--teal-50)}.option-btn.selected{border-color:var(--teal);background:var(--teal-50);color:var(--dark-green)}.option-radio{width:22px;height:22px;border-radius:50%;border:2px solid var(--warm-200);flex-shrink:0;display:flex;align-items:center;justify-content:center;transition:all .2s}.option-btn.selected .option-radio{border-color:var(--teal);background:var(--teal)}.option-btn.selected .option-radio:after{content:"";width:8px;height:8px;border-radius:50%;background:white}.input-wrap{margin-bottom:24px}.input-label{font-size:.85rem;color:var(--text-secondary);margin-bottom:8px}.dollar-input-wrap{position:relative}.dollar-sign{position:absolute;left:18px;top:50%;transform:translateY(-50%);font-size:1.1rem;color:var(--text-tertiary)}.dollar-input{width:100%;padding:16px 18px 16px 36px;border:1.5px solid var(--warm-200);border-radius:var(--radius-md);font-family:var(--font-body);font-size:1.15rem;color:var(--text-primary);transition:border-color .2s}.dollar-input:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 3px rgba(13,178,212,.1)}.age-input{width:100%;padding:16px 18px;border:1.5px solid var(--warm-200);border-radius:var(--radius-md);font-family:var(--font-body);font-size:1.15rem;color:var(--text-primary);transition:border-color .2s;text-align:center}.age-input:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 3px rgba(13,178,212,.1)}.field{margin-bottom:28px}.field-label{display:flex;align-items:center;gap:6px;font-size:.9rem;color:var(--dark-green);font-weight:400;margin-bottom:10px}.field-label .info-icon{width:18px;height:18px;border-radius:50%;background:var(--teal-50);color:var(--teal-dark);display:flex;align-items:center;justify-content:center;font-size:.6rem;cursor:help;flex-shrink:0}.field-hint{font-size:.78rem;color:var(--text-tertiary);margin-top:6px}.toggle-group{display:flex;gap:8px;flex-wrap:wrap}.toggle-btn{flex:1;min-width:0;padding:14px 12px;border:1.5px solid var(--warm-200);border-radius:var(--radius-md);background:var(--pure-white);font-family:var(--font-body);font-size:.9rem;color:var(--text-secondary);cursor:pointer;transition:all .2s;text-align:center;line-height:1.3}.toggle-btn:hover{border-color:var(--teal-100);color:var(--dark-green)}.toggle-btn.selected{background:var(--teal);color:white;border-color:var(--teal)}.toggle-btn-wide{min-width:100%;text-align:left;padding:14px 18px}.num-input{width:100%;padding:14px 18px;border:1.5px solid var(--warm-200);border-radius:var(--radius-md);font-family:var(--font-body);font-size:1rem;color:var(--text-primary);transition:border-color .2s}.num-input:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 3px rgba(13,178,212,.1)}.num-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}.select-input{width:100%;padding:14px 18px;border:1.5px solid var(--warm-200);border-radius:var(--radius-md);font-family:var(--font-body);font-size:.95rem;color:var(--text-primary);background:var(--pure-white);-webkit-appearance:none;-moz-appearance:none;appearance:none;cursor:pointer;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%237a8f97' stroke-width='2'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 14px center}.select-input:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 3px rgba(13,178,212,.1)}.ai-checkbox{display:flex;align-items:flex-start;gap:12px;padding:18px 20px;border-radius:var(--radius-md);background:linear-gradient(135deg,var(--teal-50),var(--green-50));border:1.5px solid var(--teal-100);cursor:pointer;transition:all .2s;margin-top:8px}.ai-checkbox:hover{border-color:var(--teal);box-shadow:var(--shadow-sm)}.ai-checkbox input{width:20px;height:20px;accent-color:var(--teal);margin-top:2px;flex-shrink:0;cursor:pointer}.ai-checkbox-text{font-size:.95rem;color:var(--dark-green);line-height:1.5}.ai-checkbox-text span{display:block;font-size:.8rem;color:var(--text-tertiary);margin-top:2px}.step-nav{display:flex;justify-content:space-between;align-items:center;padding:0 36px 28px;gap:16px}.btn-back{font-size:.85rem;color:var(--text-tertiary);cursor:pointer;background:none;border:none;font-family:var(--font-body);padding:8px 0;transition:color .2s}.btn-back:hover{color:var(--dark-green)}.btn-prev{display:flex;align-items:center;gap:6px;padding:14px 24px;border:1.5px solid var(--warm-200);border-radius:var(--radius-md);background:var(--pure-white);font-family:var(--font-body);font-size:.9rem;color:var(--text-secondary);cursor:pointer;transition:all .2s}.btn-prev:hover{border-color:var(--teal-100);color:var(--dark-green)}.btn-next{display:flex;align-items:center;gap:6px;padding:14px 32px;border:none;border-radius:var(--radius-md);background:var(--teal);font-family:var(--font-body);font-size:.95rem;color:white;cursor:pointer;transition:all .25s;margin-left:auto;box-shadow:0 2px 12px 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.75rem;font-family:var(--font-body);font-size:.95rem;color:var(--text-primary);background:transparent;border-radius:6px;cursor:pointer;outline:none;transition:background .1s ease,color .1s ease;-webkit-user-select:none;-moz-user-select:none;user-select:none}[data-radix-popper-content-wrapper] [role=option]:hover,[data-radix-popper-content-wrapper] [role=option][data-highlighted]{background:var(--teal-50);color:var(--dark-green)}[data-radix-popper-content-wrapper] [role=option][data-state=checked]{background:var(--teal);color:var(--pure-white);font-weight:500}[data-radix-popper-content-wrapper] [role=option][data-state=checked][data-highlighted]{background:var(--teal-dark);color:var(--pure-white)}[data-radix-popper-content-wrapper] [role=option] svg{display:none}.ac-contact-form div:has(>button[role=checkbox]){display:flex;align-items:flex-start;gap:.6rem}.ac-contact-form 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