:root{--ink:#0f172a;--mute:#5b6476;--line:#e5e7eb;--bg:#f7f8fb;--card:#fff;--brand:#1d4ed8;--brand2:#1e40af;--warn:#b45309;--hot:#dc2626;--ok:#15803d;--r:14px}*{box-sizing:border-box}body,html{margin:0;padding:0}body{font-family:ui-sans-serif,system-ui,-apple-system,Segoe UI,Roboto,Inter,sans-serif;color:var(--ink);background:var(--bg);line-height:1.5;-webkit-font-smoothing:antialiased}a{color:var(--brand)}.wrap{max-width:760px;margin:0 auto;padding:0 18px}header.top{background:#fff;border-bottom:1px solid var(--line)}header.top .wrap{display:flex;align-items:center;justify-content:space-between;height:58px}.logo{font-weight:800;font-size:20px;letter-spacing:-.02em;text-decoration:none;color:var(--ink)}.logo span{color:var(--brand)}nav a{margin-left:16px;text-decoration:none;color:var(--mute);font-size:15px}.hero{background:linear-gradient(160deg,#0b1f4d,#1d4ed8);color:#fff;padding:38px 0 46px}.hero h1{font-size:32px;line-height:1.15;margin:0 0 10px;letter-spacing:-.02em}.hero p{margin:0 0 20px;color:#dbe4ff;font-size:17px}.search{display:flex;flex-direction:column;gap:10px}input,select,textarea{font:inherit;font-size:16px;padding:13px 14px;border:1px solid #cbd5e1;border-radius:10px;width:100%;background:#fff;color:var(--ink)}input:focus,select:focus{outline:3px solid #93c5fd;border-color:var(--brand)}.btn,button{font:inherit;font-weight:700;font-size:16px;border:0;border-radius:10px;padding:14px 18px;cursor:pointer;background:var(--brand);color:#fff;text-decoration:none;display:inline-block;text-align:center}.btn:hover,button:hover{background:var(--brand2)}button[disabled]{opacity:.6;cursor:wait}.hero button{background:#facc15;color:#111}.hero button:hover{background:#eab308}.card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:20px;margin:18px 0;box-shadow:0 1px 2px rgba(0,0,0,.04)}.card h2{margin:0 0 6px;font-size:21px}.card h3{margin:0 0 6px;font-size:17px}.mute{color:var(--mute)}.small{font-size:13px}.big{font-size:44px;font-weight:800;letter-spacing:-.03em;line-height:1}.pill{display:inline-block;white-space:nowrap;font-size:12px;font-weight:700;padding:3px 9px;border-radius:99px;background:#eef2ff;color:var(--brand2)}.pill.hot{background:#fee2e2;color:var(--hot)}.pill.warn{background:#fef3c7;color:var(--warn)}.pill.ok{background:#dcfce7;color:var(--ok)}table{width:100%;border-collapse:collapse;font-size:15px}td,th{text-align:left;padding:9px 6px;border-bottom:1px solid var(--line)}th{font-size:12px;text-transform:uppercase;letter-spacing:.04em;color:var(--mute)}.stats{display:grid;grid-template-columns:1fr 1fr;grid-gap:12px;gap:12px;margin-top:12px}.stat{background:var(--bg);border-radius:10px;padding:12px}.stat b{display:block;font-size:22px}.cta{background:#fffbeb;border-color:#fde68a}.grid2{display:grid;grid-gap:10px;gap:10px}label{font-size:14px;font-weight:600;display:block;margin-bottom:4px}.consent{display:flex;gap:10px;align-items:flex-start;font-size:12.5px;color:#374151;background:#f8fafc;border:1px solid var(--line);border-radius:10px;padding:10px}.consent input{width:20px;height:20px;flex:0 0 20px;margin-top:2px}.err{font-size:13px;margin-top:3px}.err,.review{color:var(--hot)}.review{font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.05em}.bars{display:flex;align-items:flex-end;gap:3px;height:70px;margin:14px 0 4px}.bars div{flex:1 1;background:#93c5fd;border-radius:3px 3px 0 0;min-height:2px}.bars div.hit{background:var(--hot)}footer{padding:30px 0 50px;color:var(--mute);font-size:13px}.disclaimer{font-size:12.5px;color:var(--mute)}.list a{display:flex;align-items:center;gap:10px;justify-content:space-between;padding:12px 0;border-bottom:1px solid var(--line);text-decoration:none;color:var(--ink)}@media(min-width:640px){.search{flex-direction:row}.search input{flex:1 1}.hero h1{font-size:42px}.grid2{grid-template-columns:1fr 1fr}.stats{grid-template-columns:repeat(3,1fr)}}.evidence{background:#fff7ed;border:1px solid #fed7aa;border-radius:10px;padding:10px 12px;margin:12px 0 0;font-size:15px}.notinsurer{font-size:14px;background:#f8fafc}.sources{font-size:12px;color:var(--mute);padding-left:18px}.sources li{margin-bottom:4px}.prose h2{font-size:21px;margin:26px 0 6px}.prose li,.prose p{font-size:16.5px}.prose ul{padding-left:20px}