/* ============================================
   ANCHOR LIFE INSURANCE — SHARED STYLES v2
   Paste into: Appearance > Customize > Additional CSS
   This replaces all inline CSS across every page.
   ============================================ */

/* RESET & BASE */
*{box-sizing:border-box;margin:0;padding:0}
.hl-site{font-family:'Lato',sans-serif;color:#1a2e4a;background:#fff}

/* TOPBAR */
.hl-phone-bar{background:#EF9F27;text-align:center;padding:10px;font-size:13px;color:#fff;font-weight:700;letter-spacing:.5px}
.hl-phone-bar a{color:#fff;text-decoration:none}

/* NAV */
.hl-nav{background:#fff;border-bottom:.5px solid #c8d8e8;padding:0 2rem;display:flex;align-items:center;justify-content:space-between;height:64px}
.hl-logo{font-family:'Playfair Display',Georgia,serif;font-size:20px;color:#0C2340;font-weight:600;letter-spacing:-.3px;text-decoration:none;display:inline-block}
.hl-logo span{color:#EF9F27}
.hl-nav-links{display:flex;gap:24px;align-items:center}
.hl-nav-links a{font-size:13px;color:#1a2e4a;text-decoration:none;letter-spacing:.3px}
.hl-nav-cta{background:#EF9F27;color:#fff!important;padding:8px 18px;border-radius:6px;font-weight:700;font-size:13px!important}

/* HERO */
.hl-page-hero,.hl-post-hero{background:linear-gradient(135deg,#EBF0F7 0%,#dde8f3 50%,#c8d8e8 100%);padding:64px 2rem;text-align:center}
.hl-hero{background:linear-gradient(135deg,#EBF0F7 0%,#dde8f3 50%,#c8d8e8 100%);padding:72px 2rem 80px;display:flex;align-items:center;justify-content:center;gap:60px;flex-wrap:wrap;min-height:480px}
.hl-hero-text{max-width:520px}
.hl-eyebrow{font-size:11px;letter-spacing:2px;text-transform:uppercase;color:#EF9F27;font-weight:700;margin-bottom:16px}
.hl-h1,.hl-h1-style{font-family:'Playfair Display',Georgia,serif;font-size:42px;line-height:1.18;color:#0C2340;font-weight:600;margin-bottom:20px}
.hl-h1 em,.hl-h1-style em{color:#EF9F27;font-style:normal}
.hl-hero-sub,.hl-sub{font-size:16px;color:#1a2e4a;line-height:1.7;margin-bottom:32px;font-weight:300;max-width:620px;margin-left:auto;margin-right:auto}
.hl-post-meta{font-size:13px;color:#8fa8c4;font-weight:300}
.hl-hero-btns{display:flex;gap:12px;flex-wrap:wrap}

/* BUTTONS */
.hl-btn-primary{background:#EF9F27;color:#fff;padding:13px 24px;border-radius:7px;font-size:14px;font-weight:700;border:none;cursor:pointer;letter-spacing:.3px;text-decoration:none;display:inline-block}
.hl-btn-secondary{background:transparent;color:#0C2340;padding:13px 24px;border-radius:7px;font-size:14px;font-weight:700;border:2px solid #EF9F27;cursor:pointer;text-decoration:none;display:inline-block}

/* TRUST BAR */
.hl-trust-bar{background:#0C2340;padding:16px 2rem;display:flex;justify-content:center;gap:48px;flex-wrap:wrap}
.hl-trust-item{display:flex;align-items:center;gap:8px;color:#c8d8e8;font-size:13px}
.hl-trust-icon{width:18px;height:18px;border-radius:50%;background:#EF9F27;display:flex;align-items:center;justify-content:center;font-size:10px;color:#fff;flex-shrink:0}

/* STAT BAR */
.hl-stat-bar{background:#0C2340;padding:20px 2rem;display:flex;justify-content:center;gap:0;flex-wrap:wrap}
.hl-stat{text-align:center;padding:0 40px;border-right:.5px solid rgba(232,213,187,.3)}
.hl-stat:last-child{border-right:none}
.hl-stat-num{font-family:'Playfair Display',Georgia,serif;font-size:28px;color:#EF9F27;font-weight:600}
.hl-stat-label{font-size:11px;color:#c8d8e8;font-weight:300;margin-top:3px}

/* SECTIONS */
.hl-section{padding:64px 2rem;max-width:900px;margin:0 auto}
.hl-section-label{font-size:11px;letter-spacing:2px;text-transform:uppercase;color:#EF9F27;font-weight:700;margin-bottom:10px;text-align:center}
.hl-section-title,.hl-section-h2{font-family:'Playfair Display',Georgia,serif;font-size:32px;color:#0C2340;text-align:center;margin-bottom:10px;font-weight:600}
.hl-section-sub{font-size:15px;color:#1a2e4a;text-align:center;margin-bottom:48px;font-weight:300;max-width:560px;margin-left:auto;margin-right:auto}
.hl-divider{width:48px;height:2px;background:#EF9F27;margin:0 auto 40px;border-radius:2px}
.hl-article{padding:56px 2rem;max-width:900px;margin:0 auto}
.hl-article h2{font-family:'Playfair Display',Georgia,serif;font-size:26px;color:#0A1C33;font-weight:600;margin:44px 0 14px}
.hl-article h2:first-child{margin-top:0}
.hl-article h3{font-family:'Playfair Display',Georgia,serif;font-size:20px;color:#0A1C33;font-weight:600;margin:28px 0 10px}
.hl-article p{font-size:16px;color:#1a2e4a;line-height:1.85;font-weight:300;margin-bottom:16px}
.hl-article ul{padding-left:22px;margin-bottom:16px}
.hl-article ul li{font-size:16px;color:#1a2e4a;line-height:1.8;font-weight:300;margin-bottom:8px}
.hl-article strong,.hl-body strong{font-weight:700;color:#0A1C33}
.hl-post-body{padding:64px 2rem;max-width:780px;margin:0 auto}
.hl-post-body h2{font-family:'Playfair Display',Georgia,serif;font-size:24px;color:#0A1C33;font-weight:600;margin:40px 0 14px}
.hl-post-body p{font-size:16px;color:#1a2e4a;line-height:1.85;font-weight:300;margin-bottom:18px}
.hl-post-body ul{padding-left:22px;margin-bottom:18px}
.hl-post-body ul li{font-size:16px;color:#1a2e4a;line-height:1.8;font-weight:300;margin-bottom:8px}
.hl-body-text{font-size:15px;color:#1a2e4a;line-height:1.8;font-weight:300;margin-bottom:16px}

/* LAYOUT */
.hl-two-col{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}
.hl-body{padding:64px 2rem;max-width:860px;margin:0 auto}
.hl-body h2{font-family:'Playfair Display',Georgia,serif;font-size:26px;color:#0A1C33;font-weight:600;margin:48px 0 16px}
.hl-body h2:first-child{margin-top:0}
.hl-body p{font-size:16px;color:#1a2e4a;line-height:1.85;font-weight:300;margin-bottom:18px}

/* CARDS */
.hl-benefits-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.hl-benefit-card{background:#fff;border-radius:12px;border:.5px solid #c8d8e8;padding:20px 18px}
.hl-benefit-title{font-family:'Playfair Display',Georgia,serif;font-size:15px;color:#0A1C33;font-weight:600;margin-bottom:6px}
.hl-benefit-text{font-size:13px;color:#1a2e4a;line-height:1.6;font-weight:300}
.hl-products-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px;max-width:1100px;margin:0 auto}
.hl-product-card{background:#fff;border-radius:12px;border:.5px solid #c8d8e8;padding:24px 20px;text-decoration:none;display:block}
.hl-product-card:hover{border-color:#EF9F27}
.hl-prod-icon{width:44px;height:44px;border-radius:10px;background:#EBF0F7;display:flex;align-items:center;justify-content:center;margin-bottom:14px}
.hl-prod-name{font-family:'Playfair Display',Georgia,serif;font-size:17px;color:#0C2340;margin-bottom:8px;font-weight:600}
.hl-prod-desc{font-size:13px;color:#1a2e4a;line-height:1.6;margin-bottom:14px;font-weight:300}
.hl-prod-link{font-size:12px;color:#EF9F27;font-weight:700;letter-spacing:.3px}
.hl-carrier-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:20px 0}
.hl-carrier-card{background:#fff;border-radius:12px;border:.5px solid #c8d8e8;padding:22px 20px}
.hl-carrier-name{font-family:'Playfair Display',Georgia,serif;font-size:17px;color:#0A1C33;font-weight:600;margin-bottom:6px}
.hl-carrier-badge{display:inline-block;background:#EBF0F7;color:#EF9F27;font-size:10px;font-weight:700;letter-spacing:1px;padding:3px 10px;border-radius:20px;margin-bottom:10px;text-transform:uppercase}
.hl-carrier-desc{font-size:13px;color:#1a2e4a;line-height:1.6;font-weight:300}
.hl-rate-card-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin:20px 0}
.hl-rate-card{background:#fff;border-radius:12px;border:.5px solid #c8d8e8;padding:20px;text-align:center}
.hl-rate-age{font-size:12px;font-weight:700;color:#EF9F27;letter-spacing:1px;text-transform:uppercase;margin-bottom:6px}
.hl-rate-price{font-family:'Playfair Display',Georgia,serif;font-size:28px;color:#0A1C33;font-weight:600;margin-bottom:4px}
.hl-rate-note{font-size:11px;color:#8fa8c4;font-weight:300}
.hl-scenario-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:20px 0}
.hl-scenario{background:#fff;border-radius:12px;border:.5px solid #c8d8e8;padding:22px 20px}
.hl-scenario-title{font-family:'Playfair Display',Georgia,serif;font-size:16px;color:#0A1C33;font-weight:600;margin-bottom:8px}
.hl-scenario-badge{display:inline-block;font-size:10px;font-weight:700;letter-spacing:1px;padding:3px 10px;border-radius:20px;margin-bottom:10px;text-transform:uppercase}
.hl-badge-green{background:#e8f5e8;color:#2a5a2a}
.hl-badge-yellow{background:#fff8e0;color:#7a6000}
.hl-badge-red{background:#fff0ec;color:#6b3020}
.hl-scenario-desc{font-size:13px;color:#1a2e4a;line-height:1.6;font-weight:300}
.hl-state-grid,.hl-state-links{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin:20px 0}
.hl-state-link{background:#EBF0F7;border-radius:8px;padding:12px 14px;text-decoration:none;display:block;text-align:center}
.hl-state-link span{display:block;font-size:13px;font-weight:700;color:#0C2340;margin-bottom:2px}
.hl-state-link small{font-size:11px;color:#8fa8c4}
.hl-rec-grid,.hl-diff-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:20px 0}
.hl-rec-card{background:#fff;border-radius:12px;border:.5px solid #c8d8e8;padding:22px}
.hl-rec-name{font-family:'Playfair Display',Georgia,serif;font-size:17px;color:#0A1C33;font-weight:600;margin-bottom:6px}
.hl-rec-badge{display:inline-block;background:#e8f5e8;color:#2a5a2a;font-size:10px;font-weight:700;letter-spacing:1px;padding:3px 10px;border-radius:20px;margin-bottom:10px;text-transform:uppercase}
.hl-rec-desc{font-size:13px;color:#1a2e4a;line-height:1.6;font-weight:300}
.hl-diff-item{background:#fff;border-radius:12px;border:.5px solid #c8d8e8;padding:20px}
.hl-diff-title{font-family:'Playfair Display',Georgia,serif;font-size:15px;color:#0A1C33;font-weight:600;margin-bottom:8px}
.hl-diff-text{font-size:13px;color:#1a2e4a;line-height:1.6;font-weight:300}
.hl-pro-con{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin:20px 0}
.hl-pros{background:#f0faf0;border-radius:12px;border:.5px solid #c0ddc0;padding:24px}
.hl-cons{background:#fff5f0;border-radius:12px;border:.5px solid #e0c0b0;padding:24px}
.hl-pros h4{font-family:'Playfair Display',Georgia,serif;font-size:16px;color:#2a5a2a;margin-bottom:14px;font-weight:600}
.hl-cons h4{font-family:'Playfair Display',Georgia,serif;font-size:16px;color:#6b3020;margin-bottom:14px;font-weight:600}
.hl-pros ul,.hl-cons ul{padding-left:18px;margin:0}
.hl-pros ul li{font-size:14px;color:#3a6a3a;line-height:1.7;margin-bottom:7px;font-weight:300}
.hl-cons ul li{font-size:14px;color:#6b3020;line-height:1.7;margin-bottom:7px;font-weight:300}
.hl-values-grid{display:grid;grid-template-columns:1fr 1fr 1fr;gap:20px;margin:28px 0}
.hl-value-card{background:#fff;border-radius:12px;border:.5px solid #c8d8e8;padding:24px 20px;text-align:center}
.hl-value-icon{font-size:28px;margin-bottom:12px}
.hl-value-title{font-family:'Playfair Display',Georgia,serif;font-size:16px;color:#0A1C33;font-weight:600;margin-bottom:8px}
.hl-value-text{font-size:13px;color:#1a2e4a;line-height:1.6;font-weight:300}

/* HOW-IT-WORKS */
.hl-how-bg{background:#EBF0F7;padding:64px 2rem}
.hl-how-steps{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:32px;max-width:900px;margin:0 auto}
.hl-step{text-align:center}
.hl-step-num{width:48px;height:48px;border-radius:50%;background:#EF9F27;color:#fff;font-family:'Playfair Display',Georgia,serif;font-size:20px;display:flex;align-items:center;justify-content:center;margin:0 auto 16px;font-weight:600}
.hl-step-title{font-family:'Playfair Display',Georgia,serif;font-size:17px;color:#0C2340;margin-bottom:8px;font-weight:600}
.hl-step-text{font-size:13px;color:#1a2e4a;line-height:1.65;font-weight:300}

/* TESTIMONIALS */
.hl-testimonials{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;max-width:1000px;margin:0 auto}
.hl-testi-card{background:#fff;border-radius:12px;border:.5px solid #c8d8e8;padding:24px 20px}
.hl-stars{color:#EF9F27;font-size:13px;margin-bottom:10px;letter-spacing:2px}
.hl-testi-text{font-size:13px;color:#1a2e4a;line-height:1.7;margin-bottom:14px;font-weight:300;font-style:italic}
.hl-testi-name{font-size:12px;font-weight:700;color:#0C2340}
.hl-testi-loc{font-size:11px;color:#8fa8c4}

/* FORM */
.hl-form-card{background:#fff;border-radius:14px;padding:28px 24px;width:320px;flex-shrink:0;box-shadow:0 4px 32px rgba(12,35,64,.12);border:.5px solid #c8d8e8}
.hl-form-title{font-family:'Playfair Display',Georgia,serif;font-size:19px;color:#0C2340;margin-bottom:6px;font-weight:600}
.hl-form-sub{font-size:12px;color:#8fa8c4;margin-bottom:20px}
.hl-form-group{margin-bottom:13px}
.hl-form-label{display:block;font-size:11px;font-weight:700;color:#1a2e4a;letter-spacing:.5px;text-transform:uppercase;margin-bottom:5px}
.hl-form-input{width:100%;padding:10px 12px;border-radius:6px;border:.5px solid #c8d8e8;font-size:13px;background:#EBF0F7;color:#0C2340;font-family:'Lato',sans-serif}
.hl-form-row{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.hl-form-btn{width:100%;background:#EF9F27;color:#fff;padding:12px;border-radius:7px;font-size:14px;font-weight:700;border:none;cursor:pointer;margin-top:4px;font-family:'Lato',sans-serif}
.hl-disclaimer{font-size:10px;color:#8fa8c4;text-align:center;margin-top:10px;line-height:1.5}
select.hl-form-input{appearance:none}

/* TABLE */
.hl-table{width:100%;border-collapse:collapse;margin:20px 0}
.hl-table th{background:#0C2340;color:#c8d8e8;font-size:13px;font-weight:700;padding:12px 16px;text-align:left;letter-spacing:.5px}
.hl-table td{font-size:14px;color:#1a2e4a;padding:12px 16px;border-bottom:.5px solid #c8d8e8;font-weight:300}
.hl-table tr:nth-child(even) td{background:#EBF0F7}
.hl-compare-table{width:100%;border-collapse:collapse;margin:28px 0}
.hl-compare-table th{background:#0C2340;color:#c8d8e8;font-size:13px;font-weight:700;padding:12px 16px;text-align:left;letter-spacing:.5px}
.hl-compare-table td{font-size:14px;color:#1a2e4a;padding:12px 16px;border-bottom:.5px solid #c8d8e8;font-weight:300;vertical-align:top}
.hl-compare-table tr:nth-child(even) td{background:#EBF0F7}
.hl-rate-table{width:100%;border-collapse:collapse;margin:28px 0}
.hl-rate-table th{background:#0C2340;color:#c8d8e8;font-size:13px;font-weight:700;padding:12px 16px;text-align:left;letter-spacing:.5px}
.hl-rate-table td{font-size:14px;color:#1a2e4a;padding:12px 16px;border-bottom:.5px solid #c8d8e8;font-weight:300}
.hl-rate-table tr:nth-child(even) td{background:#EBF0F7}

/* CALLOUTS */
.hl-callout{background:#EBF0F7;border-left:3px solid #EF9F27;border-radius:0 10px 10px 0;padding:20px 24px;margin:24px 0}
.hl-callout p{margin:0;font-size:15px;color:#1a2e4a;font-weight:300}
.hl-warn{background:#fff5f0;border-left:3px solid #d85a30;border-radius:0 10px 10px 0;padding:20px 24px;margin:24px 0}
.hl-warn p{margin:0;font-size:15px;color:#6b3020}
.hl-warn-box{background:#fff5f0;border:2px solid #d85a30;border-radius:12px;padding:24px;margin:24px 0}
.hl-warn-box h3{font-family:'Playfair Display',Georgia,serif;font-size:18px;color:#6b3020;margin-bottom:10px;font-weight:600}
.hl-warn-box p{font-size:15px;color:#6b3020;margin:0;line-height:1.7}
.hl-answer-bar{background:#0C2340;padding:18px 2rem;text-align:center}
.hl-answer-bar p{font-size:15px;color:#c8d8e8;font-weight:300}
.hl-answer-bar strong{color:#EF9F27}

/* FAQ */
.hl-faq-section{padding:64px 2rem;max-width:780px;margin:0 auto}
.hl-faq-section h2{font-family:'Playfair Display',Georgia,serif;font-size:28px;color:#0C2340;font-weight:600;margin-bottom:8px;text-align:center}
.hl-faq-divider{width:48px;height:2px;background:#EF9F27;margin:0 auto 36px;border-radius:2px}
.hl-faq-item{border-bottom:.5px solid #c8d8e8;padding:20px 0}
.hl-faq-q{font-family:'Playfair Display',Georgia,serif;font-size:17px;color:#0A1C33;font-weight:600;margin-bottom:8px}
.hl-faq-a{font-size:15px;color:#1a2e4a;line-height:1.7;font-weight:300}

/* INLINE CTA */
.hl-inline-cta{background:#0C2340;border-radius:12px;padding:32px;text-align:center;margin:40px 0}
.hl-inline-cta h3{font-family:'Playfair Display',Georgia,serif;font-size:22px;color:#fff;margin-bottom:10px;font-weight:600}
.hl-inline-cta p{color:#8fa8c4;font-size:14px;margin-bottom:20px;font-weight:300}
.hl-inline-cta a{background:#EF9F27;color:#fff;padding:12px 24px;border-radius:7px;font-size:14px;font-weight:700;text-decoration:none;display:inline-block}

/* REVIEW VERDICT */
.hl-verdict{background:#fff;border-radius:14px;border:.5px solid #c8d8e8;padding:28px 32px;margin:0 auto 48px;max-width:860px;display:grid;grid-template-columns:1fr 1fr 1fr 1fr;gap:20px;text-align:center}
.hl-verdict-warn{background:#fff5f0;border:2px solid #d85a30;border-radius:14px;padding:24px 32px;margin:0 auto 40px;max-width:860px;display:grid;grid-template-columns:1fr 1fr 1fr 1fr;gap:20px;text-align:center}
.hl-verdict-item strong{display:block;font-family:'Playfair Display',Georgia,serif;font-size:22px;font-weight:600}
.hl-verdict .hl-verdict-item strong{color:#EF9F27}
.hl-verdict-warn .hl-verdict-item strong{color:#d85a30}
.hl-verdict-item span{font-size:12px;color:#1a2e4a;font-weight:300}
.hl-rating-row{display:flex;align-items:center;gap:16px;padding:12px 0;border-bottom:.5px solid #c8d8e8}
.hl-rating-label{font-size:14px;color:#1a2e4a;font-weight:300;flex:1}
.hl-rating-bar{height:6px;background:#c8d8e8;border-radius:3px;flex:2}
.hl-rating-fill{height:6px;background:#EF9F27;border-radius:3px}
.hl-rating-score{font-size:13px;font-weight:700;color:#EF9F27;min-width:30px;text-align:right}

/* AVOID CARDS */
.hl-avoid-card{background:#fff;border-radius:14px;border:2px solid #c8d8e8;padding:28px;margin:20px 0;position:relative}
.hl-avoid-card.flagged{border-color:#d85a30}
.hl-avoid-badge{display:inline-block;font-size:11px;font-weight:700;letter-spacing:1px;padding:4px 12px;border-radius:20px;margin-bottom:14px;text-transform:uppercase}
.hl-badge-avoid{background:#fff0ec;color:#d85a30}
.hl-badge-caution{background:#fff8e0;color:#7a6000}
.hl-avoid-name{font-family:'Playfair Display',Georgia,serif;font-size:22px;color:#0A1C33;font-weight:600;margin-bottom:6px}
.hl-avoid-sub{font-size:13px;color:#8fa8c4;margin-bottom:16px;font-weight:300}
.hl-avoid-issues{list-style:none;padding:0;margin:0 0 16px}
.hl-avoid-issues li{display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-bottom:.5px solid #EBF0F7;font-size:14px;color:#1a2e4a;font-weight:300;line-height:1.6}
.hl-avoid-issues li:last-child{border-bottom:none}
.hl-avoid-issues li::before{content:"\26A0";flex-shrink:0;margin-top:1px}
.hl-verdict-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:14px}
.hl-verdict-chip{font-size:11px;font-weight:700;padding:4px 12px;border-radius:20px;letter-spacing:.5px}
.hl-chip-red{background:#fff0ec;color:#d85a30}
.hl-chip-amber{background:#fff8e0;color:#7a6000}

/* TOC */
.hl-toc{background:#EBF0F7;border-radius:12px;padding:24px 28px;margin-bottom:40px}
.hl-toc h4{font-family:'Playfair Display',Georgia,serif;font-size:16px;color:#0A1C33;font-weight:600;margin-bottom:12px}
.hl-toc ol{padding-left:20px;margin:0}
.hl-toc ol li{font-size:14px;color:#1a2e4a;line-height:1.9;font-weight:300}
.hl-toc ol li a{color:#EF9F27;text-decoration:none}

/* ADVISOR CARD */
.hl-advisor-card{background:#EBF0F7;border-radius:14px;padding:32px;display:flex;gap:28px;align-items:flex-start;margin:28px 0}
.hl-advisor-avatar{width:80px;height:80px;border-radius:50%;background:#0C2340;display:flex;align-items:center;justify-content:center;flex-shrink:0;font-size:32px}
.hl-advisor-name{font-family:'Playfair Display',Georgia,serif;font-size:20px;color:#0A1C33;font-weight:600;margin-bottom:4px}
.hl-advisor-title{font-size:13px;color:#EF9F27;font-weight:700;letter-spacing:.5px;margin-bottom:12px}
.hl-advisor-bio{font-size:14px;color:#1a2e4a;line-height:1.7;font-weight:300}
.hl-credential-row{display:flex;gap:8px;flex-wrap:wrap;margin-top:12px}
.hl-credential{background:#0C2340;color:#c8d8e8;font-size:11px;font-weight:700;padding:4px 10px;border-radius:20px;letter-spacing:.5px}
.hl-stats-row{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin:32px 0;background:#0C2340;border-radius:14px;padding:28px}
.hl-stats-row .hl-stat{text-align:center}

/* CTA BAND */
.hl-cta-band{background:#0C2340;padding:56px 2rem;text-align:center}
.hl-cta-band h2{font-family:'Playfair Display',Georgia,serif;font-size:30px;color:#fff;margin-bottom:12px;font-weight:600}
.hl-cta-band p{font-size:15px;color:#8fa8c4;margin-bottom:28px;font-weight:300}
.hl-cta-actions{display:flex;justify-content:center;align-items:center;gap:16px;flex-wrap:wrap}
.hl-cta-phone{background:#EF9F27;color:#fff;padding:14px 28px;border-radius:8px;font-size:15px;font-weight:700;text-decoration:none;display:inline-block}
.hl-cta-quote{color:#c8d8e8;padding:14px 28px;border-radius:8px;font-size:15px;font-weight:700;border:2px solid #EF9F27;text-decoration:none;display:inline-block}

/* FOOTER */
.hl-footer{background:#0A1C33;padding:40px 2rem 24px}
.hl-footer-top{display:flex;justify-content:space-between;align-items:flex-start;flex-wrap:wrap;gap:32px;max-width:1100px;margin:0 auto 32px}
.hl-footer-brand p{font-size:12px;color:#8fa8c4;margin-top:8px;max-width:240px;line-height:1.6;font-weight:300}
.hl-footer-links h4{font-size:11px;letter-spacing:1.5px;text-transform:uppercase;color:#EF9F27;margin-bottom:12px;font-weight:700}
.hl-footer-links a{display:block;font-size:12px;color:#8fa8c4;text-decoration:none;margin-bottom:7px}
.hl-footer-bottom{border-top:.5px solid #1a3a5c;padding-top:20px;text-align:center;font-size:11px;color:#8fa8c4;max-width:1100px;margin:0 auto}

/* MISC */
.hl-breadcrumb{font-size:12px;color:#8fa8c4;padding:12px 2rem;max-width:1100px;margin:0 auto}
.hl-breadcrumb a{color:#EF9F27;text-decoration:none}
.hl-who-list{list-style:none;padding:0}
.hl-who-list li{padding:10px 0;border-bottom:.5px solid #c8d8e8;font-size:15px;color:#1a2e4a;font-weight:300;padding-left:20px;position:relative}
.hl-who-list li:before{content:"\2713";color:#EF9F27;font-weight:700;position:absolute;left:0}

/* RESPONSIVE */
@media(max-width:768px){
  .hl-products-grid{grid-template-columns:1fr 1fr}
  .hl-how-steps{grid-template-columns:1fr}
  .hl-testimonials{grid-template-columns:1fr}
  .hl-hero{flex-direction:column}
  .hl-form-card{width:100%}
  .hl-h1,.hl-h1-style{font-size:32px}
  .hl-two-col{grid-template-columns:1fr}
  .hl-benefits-grid{grid-template-columns:1fr}
  .hl-rate-card-grid{grid-template-columns:1fr 1fr}
  .hl-carrier-grid{grid-template-columns:1fr}
  .hl-stat{padding:12px 20px}
  .hl-state-grid,.hl-state-links{grid-template-columns:1fr 1fr}
  .hl-verdict,.hl-verdict-warn{grid-template-columns:1fr 1fr}
  .hl-pro-con{grid-template-columns:1fr}
  .hl-rec-grid,.hl-diff-grid{grid-template-columns:1fr}
  .hl-values-grid{grid-template-columns:1fr}
  .hl-advisor-card{flex-direction:column}
  .hl-stats-row{grid-template-columns:1fr 1fr}
  .hl-post-hero .hl-h1{font-size:28px}
}