/* ECOS Insurance Solutions — product pages (supplemental, life, annuity, LTC)
 *
 * Shares the navy-and-gold tokens the homepage declares inline. Kept in a file
 * rather than inlined because these pages are generated in families and a token
 * change has to land on all of them at once.
 *
 * Generated pages: see tools/products/build_supplemental.py. Do not hand-edit
 * anything under /supplemental — edit the generator and rebuild.
 */
:root{
  --navy:#0F2D5A;--navy-deep:#0A1F40;--gold:#C6A15B;--gold-deep:#8A6A2B;--gold-tint:#F6EEDD;
  --ground:#F7F2E8;--surface:#FFFFFF;--tint:#F3E9D6;--ink:#1D2129;--muted:#4A4F57;
  --faint:#6E7480;--line:#E3DCCF;--line2:#EFE9DE;--ok:#2F6B4F;--warn:#8A4B12;
  --display:"Red Hat Display",system-ui,sans-serif;--body:"IBM Plex Sans",system-ui,sans-serif;
}
*{box-sizing:border-box}
/* .share button sets display:inline-flex, which would otherwise beat the UA
   rule for [hidden] and show the JS-only control to visitors without JS. */
[hidden]{display:none!important}
html{scroll-behavior:smooth;color-scheme:light;scroll-padding-top:96px}
body{margin:0;background:var(--ground);color:var(--ink);font-family:var(--body);font-size:18px;line-height:1.55}
h1,h2,h3,h4{font-family:var(--display);color:var(--navy);line-height:1.14;margin:0 0 .45em;text-wrap:balance}
h1{font-size:clamp(2rem,4.4vw,3.2rem);font-weight:800;letter-spacing:-.015em}
h2{font-size:clamp(1.55rem,3vw,2.2rem);font-weight:700;letter-spacing:-.01em}
h3{font-size:1.2rem;font-weight:700}
h4{font-size:1.02rem;font-weight:700}
p{margin:0 0 1em}
a{color:var(--navy)}
img{max-width:100%}
.wrap{max-width:1140px;margin:0 auto;padding:0 20px}
.narrow{max-width:760px}
.eyebrow{font-size:.8rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-deep);font-weight:700;margin-bottom:.6em}
.lead{font-size:1.15rem;color:var(--muted);max-width:66ch}
.note{font-size:.95rem;color:var(--muted)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5em;min-height:56px;padding:12px 24px;border-radius:10px;font-weight:700;text-decoration:none;font-size:1.05rem;border:2px solid transparent;cursor:pointer;font-family:var(--body)}
.btn-gold{background:var(--gold);color:var(--navy-deep);border-color:var(--gold)}
.btn-gold:hover{background:#D3B173}
.btn-navy{background:var(--navy);color:#fff;border-color:var(--navy)}
.btn-navy:hover{background:var(--navy-deep)}
.btn-outline{background:transparent;color:var(--navy);border-color:var(--navy)}
.btn-outline:hover{background:var(--tint)}
.btn-sm{min-height:44px;padding:8px 16px;font-size:.95rem;border-radius:8px}
.ext::after{content:" \2197";font-weight:400}
.skip{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:8px 12px}
.skip:focus{left:8px;top:8px;z-index:50}
/* header */
.topbar{background:var(--navy-deep);color:#fff;font-size:.95rem}
.topbar .wrap{display:flex;justify-content:space-between;gap:16px;padding:8px 20px;flex-wrap:wrap}
.topbar a{color:#fff}
header.site{background:var(--surface);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:18px;padding:12px 20px;flex-wrap:wrap}
.logo{display:block;line-height:0}
.logo img{height:64px;width:auto}
.logo .mobile{display:none}
nav.main{display:flex;align-items:center;gap:22px;flex-wrap:wrap}
nav.main a{text-decoration:none;font-weight:600;color:var(--navy)}
nav.main a.call{background:var(--gold);color:var(--navy-deep);padding:10px 16px;border-radius:8px;white-space:nowrap}
/* breadcrumb */
.crumbs{font-size:.92rem;color:var(--faint);padding:14px 0 0}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:.4em;margin:0;padding:0}
.crumbs li:not(:last-child)::after{content:"\203A";margin-left:.45em;color:var(--line)}
.crumbs a{color:var(--muted)}
/* hero */
.hero{background:linear-gradient(180deg,#FBF8F2,var(--tint));padding:40px 0 52px;border-bottom:1px solid var(--line)}
.hero h1{color:var(--navy)}
.hero .lead{max-width:60ch;font-size:1.2rem}
.hero .actions{display:flex;gap:12px;flex-wrap:wrap;align-items:center;margin-top:20px}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.35fr) minmax(0,1fr);gap:40px;align-items:start}
.hero-facts{background:var(--surface);border:1px solid var(--line);border-top:4px solid var(--gold);border-radius:14px;padding:22px 24px;box-shadow:0 12px 30px rgba(60,40,10,.10)}
.hero-facts h2{font-size:1.05rem;margin-bottom:.7em}
.hero-facts dl{margin:0;display:grid;gap:12px}
.hero-facts dt{font-size:.76rem;letter-spacing:.1em;text-transform:uppercase;color:var(--gold-deep);font-weight:700}
.hero-facts dd{margin:2px 0 0;font-size:.98rem;color:var(--muted)}
/* sections */
section{padding:56px 0}
section.alt{background:var(--surface);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
section.navy{background:var(--navy);color:#D8DEE8}
section.navy h2,section.navy h3{color:#fff}
section.navy .lead{color:#D8DEE8}
section.navy .eyebrow{color:var(--gold)}
.two{display:grid;grid-template-columns:repeat(auto-fit,minmax(320px,1fr));gap:24px;margin-top:28px}
.card{background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:26px;box-shadow:0 1px 2px rgba(0,0,0,.04)}
.card.tinted{background:var(--tint);border-color:#E3D6BC}
.card h3{margin-top:0}
.card ul{padding-left:1.15em;margin:.4em 0 0}
.card li{margin:.4em 0}
/* steps */
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:26px;margin-top:28px;counter-reset:step}
.steps > div{border-left:4px solid var(--gold);padding-left:18px}
.steps h3{display:flex;align-items:baseline;gap:.5em;font-size:1.08rem}
.steps h3::before{counter-increment:step;content:counter(step);font-size:.8rem;color:var(--gold-deep);border:1px solid var(--gold);border-radius:50%;width:1.9em;height:1.9em;display:inline-flex;align-items:center;justify-content:center;flex:none}
/* fit / not fit */
.fit{border-top:4px solid var(--ok)}
.nofit{border-top:4px solid var(--warn)}
.fit h3,.nofit h3{font-size:1.15rem}
/* carriers */
.carrier{background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:26px;margin-top:24px}
.carrier > header{display:flex;flex-wrap:wrap;gap:8px 18px;align-items:baseline;justify-content:space-between;margin-bottom:.6em}
.carrier h3{margin:0}
.carrier .product-name{color:var(--gold-deep);font-weight:700;font-size:.95rem}
.carrier .source{font-size:.86rem;color:var(--faint);margin:0}
.carrier-chips{display:flex;flex-wrap:wrap;gap:10px;margin-top:16px;padding:0;list-style:none}
.carrier-chips li{background:var(--tint);border:1px solid #E3D6BC;border-radius:999px;padding:6px 14px;font-weight:600;font-size:.95rem;color:var(--navy)}
/* benefits */
.benefits{list-style:none;margin:18px 0 0;padding:0;display:grid;gap:2px}
.benefits > li{border-top:1px solid var(--line2);padding:16px 0}
.benefits > li:first-child{border-top:0}
.benefits h4{margin:0 0 .3em;display:flex;flex-wrap:wrap;gap:8px;align-items:center}
.benefits p{margin:0;color:var(--muted);font-size:1rem}
.benefits .extra{margin-top:.35em;font-size:.92rem;color:var(--faint)}
.tag{font-family:var(--body);font-size:.7rem;letter-spacing:.08em;text-transform:uppercase;font-weight:700;border-radius:999px;padding:3px 9px;white-space:nowrap}
.tag-rider{background:var(--gold-tint);color:var(--gold-deep);border:1px solid #E3D6BC}
.tag-base{background:#E9F0EA;color:var(--ok);border:1px solid #CADDCE}
.tag-out{background:#FBEDE2;color:var(--warn);border:1px solid #EFD5BF}
.benefits li[data-state-out="1"]{opacity:.62}
/* state picker */
.picker{background:var(--tint);border:1px solid #E3D6BC;border-radius:14px;padding:22px 24px;margin-top:8px}
.picker label{display:block;font-weight:700;margin-bottom:6px}
.picker select{font:inherit;font-size:1rem;padding:11px 14px;border:1px solid #BFC3C9;border-radius:8px;background:#fff;color:var(--ink);min-width:260px;max-width:100%}
.picker .out{margin:16px 0 0}
.picker .out strong{color:var(--navy)}
details.avail{margin-top:20px;background:var(--surface);border:1px solid var(--line);border-radius:12px;padding:0 20px}
details.avail summary{cursor:pointer;font-weight:700;color:var(--navy);padding:16px 0;min-height:24px}
details.avail[open] summary{border-bottom:1px solid var(--line2)}
details.avail table{width:100%;border-collapse:collapse;font-size:.96rem;margin:12px 0 20px}
details.avail th,details.avail td{text-align:left;vertical-align:top;padding:9px 12px 9px 0;border-bottom:1px solid var(--line2)}
details.avail th{font-family:var(--display);color:var(--navy);white-space:nowrap;width:1%}
details.avail thead th{white-space:normal;width:auto}
details.avail thead th:first-child{width:1%}
details.avail td{color:var(--muted)}
/* facts table */
.facts{display:grid;gap:0;margin-top:24px;background:var(--surface);border:1px solid var(--line);border-radius:12px;padding:4px 22px}
.facts > div{display:grid;grid-template-columns:minmax(150px,220px) 1fr;gap:18px;padding:16px 0;border-top:1px solid var(--line2)}
.facts > div:first-child{border-top:0}
.facts dt{font-weight:700;color:var(--navy);font-family:var(--display)}
.facts dd{margin:0;color:var(--muted)}
@media (max-width:640px){.facts > div{grid-template-columns:1fr;gap:4px}}
/* disclosures */
.disclosures{background:var(--surface);border:1px solid var(--line);border-left:4px solid var(--gold-deep);border-radius:0 12px 12px 0;padding:22px 24px;margin-top:26px}
.disclosures h3,.disclosures h2{font-size:1rem;margin-bottom:.6em}
.disclosures p{font-size:.92rem;color:var(--muted);margin:0 0 .9em}
.disclosures p:last-child{margin-bottom:0}
.disclosures .caps{text-transform:none;font-weight:600;color:var(--ink)}
/* faq */
.faq{margin-top:26px;border-top:1px solid var(--line)}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{cursor:pointer;font-family:var(--display);font-weight:700;color:var(--navy);font-size:1.1rem;padding:20px 0;list-style:none;display:flex;gap:16px;align-items:flex-start;justify-content:space-between;min-height:24px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.5rem;line-height:1;color:var(--gold-deep);flex:none}
.faq details[open] summary::after{content:"\2013"}
.faq .answer{padding:0 0 20px;color:var(--muted);max-width:70ch}
.faq .answer p{margin:0 0 .8em}
.faq .answer p:last-child{margin:0}
/* product cards (hub + related) */
.pcards{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:22px;margin-top:30px}
.pcard{background:var(--surface);border:1px solid var(--line);border-top:4px solid var(--gold);border-radius:14px;padding:26px;display:flex;flex-direction:column;gap:2px;box-shadow:0 1px 2px rgba(0,0,0,.04)}
.pcard h3{margin-bottom:.3em}
.pcard h3 a{text-decoration:none}
.pcard h3 a::after{content:" \2192"}
.pcard p{color:var(--muted);font-size:1rem}
.pcard .who{margin-top:auto;font-size:.92rem;color:var(--faint);border-top:1px solid var(--line2);padding-top:14px}
/* share */
.share{display:flex;align-items:center;gap:10px;flex-wrap:wrap;margin-top:22px}
.share .label{font-size:.9rem;color:var(--faint);font-weight:600}
.share button,.share a.share-link{font:inherit;font-size:.92rem;font-weight:600;min-height:44px;padding:8px 14px;border:1px solid var(--line);background:var(--surface);color:var(--navy);border-radius:8px;cursor:pointer;display:inline-flex;align-items:center;gap:.45em;text-decoration:none}
.share button:hover,.share a.share-link:hover{background:var(--tint);border-color:#E3D6BC}
.share .said{font-size:.9rem;color:var(--ok);font-weight:600}
/* form */
.review-form{background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:28px;max-width:760px}
.review-form .row{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:14px}
.review-form label{display:block;font-weight:600;font-size:.95rem;margin:12px 0 4px}
.review-form input,.review-form select,.review-form textarea{width:100%;font:inherit;font-size:1rem;padding:12px 14px;border:1px solid #BFC3C9;border-radius:8px;background:#fff;color:var(--ink)}
.review-form textarea{min-height:110px}
.consent{display:flex;gap:10px;align-items:flex-start;margin:16px 0;font-size:.92rem;color:var(--muted)}
.consent input{width:auto;margin-top:5px}
.gov{font-size:.9rem;color:var(--muted);border-left:3px solid var(--gold);padding-left:12px;margin-top:16px}
/* footer */
footer{background:var(--navy-deep);color:#D8DEE8;padding:44px 0 28px;font-size:.95rem}
footer a{color:#fff}
footer .cols{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:28px;margin-bottom:28px}
footer h3{color:#fff;font-size:1rem;margin-bottom:.5em}
footer ul{list-style:none;margin:0;padding:0}
footer li{margin:4px 0}
footer .flogo{width:220px;height:auto;margin-bottom:14px;display:block}
.disclaimer{border-top:1px solid rgba(255,255,255,.2);padding-top:18px;font-size:.88rem;line-height:1.5;color:#B9C4D6}
.disclaimer p{margin:0 0 .8em}
@media (max-width:900px){.hero-grid{grid-template-columns:1fr;gap:28px}footer .cols{grid-template-columns:1fr 1fr}}
@media (max-width:640px){
  .logo img{height:44px}.logo .compact{display:none}.logo .mobile{display:block}
  nav.main{gap:14px;font-size:.95rem}nav.main a:not(.call){display:none}
  footer .cols{grid-template-columns:1fr}
  section{padding:44px 0}
}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}

/* ---------------------------------------------------------------------------
   Needs-analysis calculator. Shared by every calculator page, driven by
   assets/calculator.js. The result panel is revealed by script; the worksheet
   fallback is in the HTML for visitors without JavaScript.
   --------------------------------------------------------------------------- */
.calc{background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:26px;box-shadow:0 1px 2px rgba(0,0,0,.04)}
.calc fieldset{border:0;margin:0 0 22px;padding:0}
.calc legend{font-family:var(--display);font-weight:700;color:var(--navy);font-size:1.1rem;padding:0;margin-bottom:.2em}
.calc .hint{font-size:.92rem;color:var(--faint);margin:0 0 14px}
.calc-row{display:grid;grid-template-columns:1fr minmax(150px,200px);gap:14px;align-items:center;padding:10px 0;border-top:1px solid var(--line2)}
.calc-row:first-of-type{border-top:0}
.calc-row label{font-weight:600;font-size:1rem}
.calc-row .sub{display:block;font-weight:400;font-size:.88rem;color:var(--faint);margin-top:2px}
.calc-row input{width:100%;font:inherit;font-size:1rem;padding:11px 13px;border:1px solid #BFC3C9;border-radius:8px;background:#fff;color:var(--ink);text-align:right}
.calc-row input:focus-visible{outline:2px solid var(--navy);outline-offset:1px}
.calc-pair{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.calc-pair input{text-align:right}
@media (max-width:640px){.calc-row{grid-template-columns:1fr;gap:6px}.calc-row input{text-align:left}}
/* result */
.calc-panel{background:var(--tint);border:1px solid #E3D6BC;border-radius:12px;padding:22px 24px;margin-top:8px}
.calc-panel h3{font-size:1.05rem;margin-bottom:.5em}
.calc-lines{display:grid;gap:2px;margin-bottom:16px}
.calc-line{display:flex;justify-content:space-between;gap:16px;padding:7px 0;border-top:1px solid rgba(138,106,43,.18);font-size:.97rem;color:var(--muted)}
.calc-line:first-child{border-top:0}
.calc-line strong{color:var(--ink);white-space:nowrap}
.calc-total{display:flex;justify-content:space-between;gap:16px;align-items:baseline;border-top:2px solid var(--gold-deep);padding-top:14px}
.calc-total .calc-total-label{font-family:var(--display);font-weight:700;color:var(--navy);font-size:1.05rem}
.calc-result{font-family:var(--display);font-weight:800;color:var(--navy);font-size:clamp(1.5rem,4vw,2.4rem);line-height:1.1;text-align:right}
.calc-result:not([data-has-result]){font-family:var(--body);font-size:.95rem;font-weight:400;color:var(--muted);text-align:left;max-width:42ch}
.calc-caveat{font-size:.9rem;color:var(--muted);margin:18px 0 0;border-left:3px solid var(--gold);padding-left:12px}
.calc-actions{margin-top:20px;display:flex;gap:12px;flex-wrap:wrap;align-items:center}
.calc-worksheet{background:var(--surface);border:1px solid var(--line);border-radius:12px;padding:22px 24px;margin-top:20px}
.calc-worksheet ol{margin:.4em 0 0;padding-left:1.2em}
.calc-worksheet li{margin:.4em 0}

/* ---------------------------------------------------------------------------
   VA combined disability rating calculator. Rows of rating + bilateral flag,
   then the step-by-step explanation and three result figures.
   --------------------------------------------------------------------------- */
.va-calc .va-row{display:grid;grid-template-columns:minmax(150px,200px) 1fr auto;gap:14px;align-items:center;padding:12px 0;border-top:1px solid var(--line2)}
.va-calc .va-row:first-child{border-top:0}
.va-row-rating{font-weight:600;display:flex;align-items:center;gap:10px}
.va-row-rating select{font:inherit;font-size:1rem;padding:10px 12px;border:1px solid #BFC3C9;border-radius:8px;background:#fff;color:var(--ink);flex:1}
.va-row-bi{display:flex;align-items:center;gap:8px;font-size:.94rem;color:var(--muted);min-height:24px}
.va-row-bi input{width:auto}
.va-remove{font:inherit;font-size:.88rem;color:var(--muted);background:transparent;border:1px solid var(--line);border-radius:8px;padding:8px 12px;min-height:44px;cursor:pointer}
.va-remove:hover{background:var(--tint);border-color:#E3D6BC;color:var(--navy)}
@media (max-width:640px){.va-calc .va-row{grid-template-columns:1fr;gap:8px}}
.va-calc [data-va-add]{margin-top:16px}
.va-empty{color:var(--muted);margin:0}
.va-note{background:var(--gold-tint);border:1px solid #E3D6BC;border-radius:8px;padding:12px 14px;font-size:.95rem;color:var(--ink);margin:0 0 16px}
.va-steps{margin:0 0 20px;padding-left:1.3em;display:grid;gap:10px}
.va-steps li{color:var(--muted);line-height:1.5}
.va-totals{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:14px;border-top:2px solid var(--gold-deep);padding-top:18px}
.va-figure{background:var(--surface);border:1px solid var(--line);border-radius:10px;padding:16px 18px;display:flex;flex-direction:column;gap:2px}
.va-figure-label{font-size:.74rem;letter-spacing:.1em;text-transform:uppercase;color:var(--gold-deep);font-weight:700}
.va-figure-value{font-family:var(--display);font-size:1.7rem;font-weight:800;color:var(--navy);line-height:1.1}
.va-figure-sub{font-size:.86rem;color:var(--faint)}
.va-figure--official{background:var(--navy);border-color:var(--navy)}
.va-figure--official .va-figure-label{color:var(--gold)}
.va-figure--official .va-figure-value{color:#fff}
.va-figure--official .va-figure-sub{color:#B9C4D6}
.va-figure--gap{background:var(--gold-tint);border-color:#E3D6BC}
.va-figure--gap .va-figure-value{font-size:1.25rem}

/* Link cards. Defined in the homepage's inline stylesheet too; the veterans
   section uses them for the official VA resources and needs them here. */
.links{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:14px;margin-top:20px}
.links a{display:block;background:var(--surface);border:1px solid var(--line);border-radius:10px;padding:16px 18px;text-decoration:none;color:var(--navy);font-weight:600;line-height:1.35}
.links a:hover{border-color:#E3D6BC;background:var(--tint)}
.links a span{display:block;font-weight:400;color:var(--muted);font-size:.95rem;margin-top:.35em}

/* Qualifier — yes/no questions returning a verdict rather than a figure. */
.quiz-q{padding:16px 0;border-top:1px solid var(--line2)}
.quiz-q:first-of-type{border-top:0}
.quiz-q > p{margin:0 0 10px;font-weight:600;color:var(--ink)}
.quiz-q .sub{display:block;font-weight:400;font-size:.9rem;color:var(--faint);margin-top:4px}
.quiz-opts{display:flex;gap:18px;flex-wrap:wrap}
.quiz-opts label{display:inline-flex;align-items:center;gap:7px;font-size:.98rem;min-height:44px;cursor:pointer}
.quiz-opts input{width:auto}
.quiz-verdict{font-family:var(--display);font-weight:700;font-size:1.2rem;margin:0 0 .6em;color:var(--navy)}
.quiz-verdict[data-verdict="no"]{color:var(--warn)}
.quiz-verdict[data-verdict="yes"]{color:var(--ok)}
.quiz-reasons{margin:0;padding-left:1.2em;display:grid;gap:8px}
.quiz-reasons li{color:var(--muted);font-size:.98rem}