:root{--pf-navy:#0b2b43;--pf-ink:#172630;--pf-muted:#5d6b75;--pf-paper:#f5f2eb;--pf-line:#d5dddf;--pf-green:#087f64;--pf-green-dark:#056450;--pf-max:1180px}
.pf-wrap{width:min(calc(100% - 48px),var(--pf-max));margin:auto}.pf-breadcrumbs{padding:158px 0 18px;font-size:13px;color:#6b7881}.pf-breadcrumbs a{text-decoration:none;color:inherit}.pf-breadcrumbs span{margin:0 8px;color:#a1aab0}
.pf-hero{position:relative;overflow:hidden;border-bottom:1px solid var(--pf-line);background:linear-gradient(90deg,#fff 0,#fff 56%,#f0f4f4 56%,#f0f4f4 100%)}.pf-hero:after{content:"";position:absolute;right:-160px;top:-210px;width:560px;height:560px;border:1px solid rgba(18,56,88,.1);border-radius:50%}.pf-hero-grid{display:grid;grid-template-columns:minmax(0,1.12fr) minmax(360px,.88fr);gap:76px;padding:74px 0 86px;position:relative;z-index:1}.pf-hero-grid>*{min-width:0}.pf-eyebrow,.pf-kicker{color:var(--pf-green);font-size:12px;text-transform:uppercase;letter-spacing:.17em;font-weight:800}.pf-eyebrow{display:flex;align-items:center;gap:11px;margin-bottom:23px}.pf-eyebrow:before{content:"";width:34px;height:1px;background:var(--pf-green)}.pf-hero h1{font-family:var(--font-display);font-weight:400;color:var(--pf-navy);font-size:clamp(46px,5.5vw,72px);line-height:1.01;letter-spacing:-.025em;max-width:740px;margin:0 0 28px;text-wrap:balance}.pf-lead{font-size:19px;line-height:1.72;color:#3c4d57;max-width:710px;margin:0 0 31px}.pf-actions{display:flex;align-items:center;gap:22px;flex-wrap:wrap}.pf-btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:0 22px;background:var(--pf-green);color:#fff!important;text-decoration:none;font-size:14px;font-weight:750;border:0;transition:background .18s,transform .18s}.pf-btn:hover{background:var(--pf-green-dark);transform:translateY(-1px)}.pf-btn-link{background:transparent;color:var(--pf-navy)!important;padding:0;min-height:auto;border-bottom:1px solid var(--pf-navy)}.pf-btn-link:hover{background:transparent;color:var(--pf-green)!important;border-color:var(--pf-green);transform:none}
.pf-term-card{align-self:center;background:var(--pf-navy);color:#fff;padding:36px 38px 30px;box-shadow:0 18px 50px rgba(11,38,61,.12);position:relative}.pf-term-card:before{content:"Indicative terms";position:absolute;top:0;right:0;background:#d9e8e4;color:var(--pf-green-dark);font-size:10px;text-transform:uppercase;letter-spacing:.16em;font-weight:800;padding:9px 12px}.pf-term-card h2{font-family:var(--font-display);font-weight:400;font-size:28px;color:#fff;margin:0 0 24px}.pf-term-row{display:grid;grid-template-columns:1fr auto;gap:18px;align-items:baseline;padding:13px 0;border-top:1px solid rgba(255,255,255,.15)}.pf-term-row span{color:#b7c7d0;font-size:12px;text-transform:uppercase;letter-spacing:.08em}.pf-term-row strong{font-family:var(--font-display);font-size:21px;font-weight:400;text-align:right}.pf-term-summary{font-size:13.5px;line-height:1.55;color:#dce8ec;margin:0 0 20px;padding-bottom:18px;border-bottom:1px solid rgba(255,255,255,.15)}.pf-term-note{font-size:11px;line-height:1.5;color:#9db0bb;margin:18px 0 0}.pf-rate-link{display:inline-block;margin-top:10px;color:#cce8df;font-size:12px;text-underline-offset:4px}
.pf-cred{background:#fff;border-bottom:1px solid var(--pf-line)}.pf-cred-grid{display:grid;grid-template-columns:repeat(4,1fr);padding:24px 0}.pf-cred-item{padding:0 25px;border-right:1px solid var(--pf-line)}.pf-cred-item:first-child{padding-left:0}.pf-cred-item:last-child{border:0}.pf-cred-item strong{display:block;color:var(--pf-navy);font-family:var(--font-display);font-size:21px;font-weight:400}.pf-cred-item span{font-size:12px;color:var(--pf-muted);text-transform:uppercase;letter-spacing:.06em}
.pf-section{padding:98px 0}.pf-paper{background:var(--pf-paper)}.pf-navy{background:var(--pf-navy);color:#fff}.pf-kicker{margin-bottom:15px}.pf-navy .pf-kicker{color:#77c7b4}.pf-section h2{font-family:var(--font-display);font-weight:400;color:var(--pf-navy);font-size:clamp(36px,4vw,52px);line-height:1.08;letter-spacing:-.015em;margin:0 0 24px;text-wrap:balance}.pf-navy h2{color:#fff}.pf-intro{font-size:18px;line-height:1.75;color:var(--pf-muted);max-width:680px;margin:0}.pf-navy .pf-intro{color:#bdcbd2}.pf-split{display:grid;grid-template-columns:.85fr 1.15fr;gap:80px;align-items:start}.pf-fit-list{border-top:1px solid #cfd7d8}.pf-fit-row{display:grid;grid-template-columns:42px 190px 1fr;gap:25px;padding:24px 0;border-bottom:1px solid #cfd7d8;align-items:start}.pf-fit-number{font-family:var(--font-display);font-size:17px;color:var(--pf-green)}.pf-fit-row h3{font-size:16px;color:var(--pf-navy);margin:0}.pf-fit-row p{font-size:14px;color:var(--pf-muted);line-height:1.65;margin:0}.pf-note{margin-top:28px;padding-top:22px;border-top:2px solid var(--pf-navy);font-size:14px;color:#4c5d66}
.pf-table-wrap{overflow:auto;margin-top:44px;border-top:2px solid var(--pf-navy)}.pf-table{border-collapse:collapse;width:100%;min-width:790px}.pf-table th,.pf-table td{text-align:left;padding:21px 18px;border-bottom:1px solid #ccd4d5;vertical-align:top}.pf-table th{font-size:11px;text-transform:uppercase;letter-spacing:.11em;color:#68747a}.pf-table td:first-child{font-family:var(--font-display);font-size:21px;color:var(--pf-navy);width:25%}.pf-table td:first-child a{color:inherit;text-decoration:none;border-bottom:1px solid rgba(11,43,67,.28);text-underline-offset:4px}.pf-table td:first-child a:hover{color:var(--pf-green);border-color:var(--pf-green)}.pf-table td{font-size:14px;color:#47565f}.pf-tag{display:inline-block;color:var(--pf-green-dark);background:#dfeae6;font:800 10px var(--font-body);text-transform:uppercase;letter-spacing:.08em;padding:4px 7px;margin-top:5px}
.pf-process-grid{display:grid;grid-template-columns:.78fr 1.22fr;gap:80px}.pf-process{counter-reset:step;border-top:1px solid rgba(255,255,255,.2)}.pf-process article{counter-increment:step;display:grid;grid-template-columns:48px 1fr;gap:18px;padding:26px 0;border-bottom:1px solid rgba(255,255,255,.2)}.pf-process article:before{content:"0" counter(step);font-family:var(--font-display);color:#75c5b2;font-size:17px}.pf-process h3{font-family:var(--font-display);font-weight:400;color:#fff;font-size:24px;margin:0 0 6px}.pf-process p{color:#b6c6cf;font-size:14px;line-height:1.7;margin:0}.pf-quote{margin-top:35px;padding-left:22px;border-left:2px solid #70bea9;color:#d7e0e5;font-family:var(--font-display);font-size:21px;line-height:1.5}
.pf-deal-heading{display:flex;justify-content:space-between;align-items:end;gap:30px;margin-bottom:38px}.pf-text-link{font-size:13px;color:var(--pf-navy);text-underline-offset:5px}.pf-deal-grid{display:grid;grid-template-columns:repeat(12,1fr);gap:18px}.pf-deal{position:relative;overflow:hidden;min-height:255px;color:#fff;background:#102f47}.pf-deal:nth-child(1),.pf-deal:nth-child(2){grid-column:span 6;min-height:390px}.pf-deal:nth-child(n+3){grid-column:span 3}.pf-deal img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;filter:saturate(.72);transition:transform .45s}.pf-deal:after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 26%,rgba(4,20,32,.86) 100%)}.pf-deal:hover img{transform:scale(1.035)}.pf-deal-copy{position:absolute;left:0;right:0;bottom:0;z-index:2;padding:23px}.pf-deal-type{font-size:10px;text-transform:uppercase;letter-spacing:.14em;color:#a9d7ca}.pf-deal h3{font-family:var(--font-display);font-size:24px;font-weight:400;color:#fff;margin:5px 0 1px}.pf-deal:nth-child(n+3) h3{font-size:19px}.pf-deal-amount{font-size:14px;font-weight:750}.pf-deal-place{font-size:12px;color:#cfdae0}.pf-deal-desc{font-size:13px;color:#dce4e8;line-height:1.55;max-width:500px;margin:9px 0 0}.pf-deal:nth-child(n+3) .pf-deal-desc{display:none}
.pf-markets,.pf-faq-layout{display:grid;grid-template-columns:.7fr 1.3fr;gap:90px;align-items:start}.pf-market-list{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid #cdd4d4}.pf-market-list a{padding:17px 10px 17px 0;border-bottom:1px solid #cdd4d4;text-decoration:none;font-size:14px;color:#31434d}.pf-market-list a:hover{color:var(--pf-green)}.pf-market-list a.pf-market-extra{display:none}.pf-market-list.expanded a.pf-market-extra{display:block}.pf-feature-chip{display:inline-block;background:#fff;border:1px solid #cdd4d4;border-radius:8px;padding:9px 14px;font-size:13.5px;line-height:1.5;color:#31434d}
.pf-feature-chip::before{content:"✓";color:var(--pf-green,#2e7d5b);font-weight:700;margin-right:8px}
.pf-market-toggle{margin-top:23px;border:0;background:transparent;border-bottom:1px solid var(--pf-navy);padding:7px 0;color:var(--pf-navy);font:700 13px var(--font-body);cursor:pointer}.pf-all-markets{display:inline-block;margin-left:22px;font-size:13px;color:var(--pf-navy)}
.pf-related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:0 34px;border-top:1px solid #cdd4d4;margin-top:26px}.pf-related-link{padding:16px 10px 16px 0;border-bottom:1px solid #cdd4d4;text-decoration:none;font-size:14px;color:#31434d}.pf-related-link:hover{color:var(--pf-green)}
.pf-faq-list{border-top:1px solid #cfd7d8}.pf-faq-item{border-bottom:1px solid #cfd7d8}.pf-faq-q{width:100%;display:flex;justify-content:space-between;gap:22px;align-items:center;border:0;background:transparent;padding:22px 0;text-align:left;color:var(--pf-navy);font:650 16px var(--font-body);cursor:pointer}.pf-faq-q span:last-child{font-size:24px;font-weight:300;transition:transform .2s}.pf-faq-a{display:grid;grid-template-rows:0fr;transition:grid-template-rows .25s}.pf-faq-a[hidden]{display:none}.pf-faq-a>div{overflow:hidden}.pf-faq-a p{padding:0 45px 22px 0;margin:0;color:var(--pf-muted);font-size:14px}.pf-faq-item.open .pf-faq-a{grid-template-rows:1fr}.pf-faq-item.open .pf-faq-q span:last-child{transform:rotate(45deg)}
.pf-final{background:#143f61;color:#fff;padding:72px 0}.pf-final-grid{display:grid;grid-template-columns:1fr auto;gap:45px;align-items:center}.pf-final h2{font-family:var(--font-display);font-weight:400;color:#fff;font-size:42px;line-height:1.1;margin:0 0 11px}.pf-final p{color:#c5d1d8;margin:0}.pf-final .pf-btn{background:#fff;color:var(--pf-navy)!important;min-width:220px}
@media(max-width:980px){.pf-hero{background:#fff}.pf-hero-grid,.pf-split,.pf-process-grid,.pf-markets,.pf-faq-layout{grid-template-columns:1fr;gap:45px}.pf-hero-grid{padding:58px 0 70px}.pf-term-card{max-width:610px}.pf-cred-grid{grid-template-columns:repeat(2,1fr);gap:20px}.pf-cred-item{border:0;padding:0}.pf-deal:nth-child(1),.pf-deal:nth-child(2),.pf-deal:nth-child(n+3){grid-column:span 6}.pf-section{padding:76px 0}}
@media(max-width:650px){#cls-mcb,#cls-chat{display:none!important}.pf-wrap{width:min(calc(100% - 32px),var(--pf-max))}.pf-breadcrumbs{display:none}.pf-hero{margin-top:140px}.pf-hero-grid{padding:40px 0 54px}.pf-hero h1{font-size:40px;overflow-wrap:anywhere;text-wrap:wrap;margin-bottom:20px}.pf-lead{font-size:16.5px;line-height:1.55;margin-bottom:16px}.pf-actions{align-items:stretch;flex-direction:column}.pf-actions .pf-btn{width:100%}.pf-actions .pf-btn-link{align-self:flex-start;width:auto}.pf-term-card{padding:34px 24px 25px;width:100%;max-width:100%}.pf-term-row{grid-template-columns:minmax(0,1fr) minmax(0,1.35fr)}.pf-term-row strong{font-size:18px;overflow-wrap:anywhere}.pf-cred-grid{grid-template-columns:1fr 1fr}.pf-cred-item strong{font-size:18px}.pf-fit-row{grid-template-columns:35px 1fr}.pf-fit-row p{grid-column:2}.pf-section{padding:62px 0}.pf-section h2{font-size:37px}.pf-deal-heading{align-items:start;flex-direction:column}.pf-deal:nth-child(n){grid-column:span 12;min-height:280px}.pf-deal:nth-child(n+3) .pf-deal-desc{display:block}.pf-market-list{grid-template-columns:1fr 1fr}.pf-related-grid{grid-template-columns:1fr;gap:0}.pf-final-grid{grid-template-columns:1fr}.pf-final h2{font-size:35px}}

.pf-lede{font-size:18.5px;line-height:1.6;color:var(--pf-navy,#12263f);max-width:62ch;margin:0 0 8px}
@media(max-width:650px){.pf-lede{font-size:16.5px}}
.pf-term-dl{margin:0}.pf-term-dl dt{margin:0}.pf-term-dl dd{margin:0}


/* ==== Life Company Hub restructure (2026-09-21): proof-first conversion flow ==== */
/* hero: white, no split bg, no circle */
.lc-hero{background:#fff;border-bottom:1px solid var(--gray-200,#d9dde3)}
.lc-hero:after{display:none}
.lc-hero .pf-lede{max-width:none;font-size:19px;line-height:1.55;margin-top:20px}
/* proof band */
.lc-proof{background:#f7f8fa;padding:44px 0 40px}
.lc-cta-band{background:linear-gradient(160deg,#16304f 0%,#12263f 55%,#0d1c30 100%);color:#fff;text-align:center;padding:52px 24px;position:relative;overflow:hidden}
.lc-cta-band:before{content:"";position:absolute;right:-60px;top:-40px;width:320px;height:320px;background:radial-gradient(circle at center,rgba(255,255,255,.05),transparent 65%);pointer-events:none}
.lc-cta-band h2{font-family:Georgia,serif;font-size:31px;margin:0 0 12px;letter-spacing:.01em}
.lc-cta-band p{max-width:640px;margin:0 auto 24px;color:#c9d2de;font-size:16px;line-height:1.6;position:relative}
.lc-cta-btn{display:inline-block;background:#2e7d32;color:#fff;font-weight:700;padding:15px 36px;border-radius:8px;text-decoration:none;transition:background .18s ease,transform .18s ease,box-shadow .18s ease;position:relative}
.lc-cta-btn:hover{background:#056450;transform:translateY(-2px);box-shadow:0 10px 24px rgba(0,0,0,.28)}

.lc-glance{max-width:1180px;margin:0 auto;padding:30px 0}
.lc-compact{font-size:15px}
/* view-more pill */
.lc-more-link{display:inline-flex;align-items:center;gap:8px;font:600 15px/1 var(--font-body,sans-serif);color:var(--pf-navy,#12263f);border:1.5px solid var(--pf-navy,#12263f);border-radius:999px;padding:11px 22px;text-decoration:none;white-space:nowrap;transition:background .18s ease,color .18s ease}
.lc-more-link:hover{background:var(--pf-navy,#12263f);color:#fff}
.lc-more-link .lc-arrow{transition:transform .18s ease}
.lc-more-link:hover .lc-arrow{transform:translateX(4px)}
.lc-arrow{display:inline-block}
/* playbook guide cards */
.lc-guide-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px;max-width:1180px}
@media(max-width:820px){.lc-guide-grid{grid-template-columns:1fr}}
.lc-guide{display:flex;flex-direction:column;background:#fff;border:1px solid var(--gray-200,#d9dde3);border-radius:12px;padding:24px 24px 20px;text-decoration:none;transition:border-color .18s ease,box-shadow .18s ease,transform .18s ease}
.lc-guide:hover{border-color:var(--green,#2e7d32);box-shadow:0 8px 28px rgba(18,38,63,.09);transform:translateY(-2px)}
.lc-guide-head{display:flex;align-items:center;justify-content:space-between;margin-bottom:18px}
.lc-guide-num{font:700 13px/1 var(--font-body,sans-serif);color:var(--gray-400,#98a2ad);letter-spacing:1px}
.lc-guide-tag{font:600 11px/1 var(--font-body,sans-serif);letter-spacing:1.8px;text-transform:uppercase;color:var(--green,#2e7d32);background:rgba(46,125,50,.08);padding:5px 10px;border-radius:20px}
.lc-guide h3{font-family:var(--font-display,Georgia,serif);font-size:21px;line-height:1.3;color:var(--pf-navy,#12263f);margin:0 0 8px}
.lc-guide p{font-size:15px;line-height:1.6;color:#3c4a5c;margin:0 0 14px;flex:1}
.lc-guide-link{font:600 14px/1 var(--font-body,sans-serif);color:var(--green,#2e7d32)}
.lc-guide:hover .lc-arrow{transform:translateX(4px)}
/* spacing tightening: hub-only, other financing pages keep the 98px rhythm */
body.lc-hub main .pf-section{padding:54px 0}
body.lc-hub main .pf-table td{padding:13px 16px}
body.lc-hub main .pf-table th{padding-bottom:9px}
body.lc-hub main .pf-card{padding:24px 26px}
body.lc-hub .pf-deal-heading{margin-bottom:20px}
@media(max-width:820px){body.lc-hub main .pf-section{padding:40px 0}}

/* glance: two-column card + photo (hub restructure) */
.lc-glance-grid{width:min(calc(100% - 48px),1180px);margin:0 auto;display:grid;grid-template-columns:1.15fr 0.85fr;gap:20px;align-items:stretch}
@media(max-width:900px){.lc-glance-grid{grid-template-columns:1fr}}
.lc-glance-card{padding:26px 28px}
.lc-glance-card h2{margin:0 0 16px;font-size:21px}
.lc-term-cols{display:grid;grid-template-columns:1fr 1fr;gap:0;border-top:1px solid var(--pf-line,#d5dddf);border-left:1px solid var(--pf-line,#d5dddf)}
@media(max-width:560px){.lc-term-cols{grid-template-columns:1fr}}
.lc-term-cols .pf-term-row{display:block;padding:12px 16px 13px;border-bottom:1px solid var(--pf-line,#d5dddf);border-right:1px solid var(--pf-line,#d5dddf);margin:0}
.lc-term-cols .pf-term-row dt{font-size:11px;text-transform:uppercase;letter-spacing:.09em;color:#6b7686;font-weight:600;line-height:1.2;margin-bottom:4px;display:block}
.lc-term-cols .pf-term-row dd{margin:0}
.lc-term-cols .pf-term-row strong{font-family:var(--font-display);font-size:19px;font-weight:400;color:var(--pf-navy,#12263f);line-height:1.3;display:block;text-align:left}
.lc-glance-card{padding:24px 26px 20px;border-radius:12px;border:1px solid var(--pf-line,#d5dddf);background:#fff}
.lc-glance-card .pf-term-dl{border-bottom:1px solid var(--pf-line,#d5dddf);margin-bottom:12px}
.lc-glance-photo{position:relative;margin:0;border-radius:12px;overflow:hidden;min-height:340px;background:var(--pf-navy,#12263f)}
.lc-glance-photo img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;display:block}
.lc-glance-photo figcaption{position:absolute;left:0;right:0;bottom:0;background:linear-gradient(transparent,rgba(11,29,48,.88) 55%);color:#fff;padding:44px 20px 18px;font-size:14px;line-height:1.5}
.lc-glance-photo figcaption strong{font-size:16px}
.lc-glance-photo figcaption a{color:#9fe3c8;text-decoration:none}
.lc-glance-photo figcaption a:hover{text-decoration:underline}

/* lender logos: uniform, borderless, clean */
.lc-lender-logo{flex:0 0 auto;width:88px;height:28px;object-fit:contain;object-position:left center;display:block}
.lc-lender-mono{flex:0 0 auto;width:28px;height:28px;border-radius:7px;color:#fff;display:inline-flex;align-items:center;justify-content:center;font:700 12px var(--font-body,sans-serif);letter-spacing:.03em}
/* playbook cards: equal-height action rows */
.lc-guide{height:100%;box-sizing:border-box}
.lc-guide .lc-guide-link{margin-top:auto;display:inline-flex;align-items:center;gap:6px}
.lc-glance-note{font-size:13.5px;line-height:1.6;color:#3c4a5c;margin:12px 0 0}
.lc-glance-note strong{color:var(--pf-navy,#12263f)}
.lc-term-cols .pf-term-row:last-child{grid-column:1 / -1;border-bottom:none}

/* ==== Life company guide pages (body.lc-guide-page), added 2026-10-09 ====
   Every rule is scoped to body.lc-guide-page so the hub and other pages cannot change. */
body.lc-guide-page main .pf-section{padding:54px 0}
body.lc-guide-page main .pf-table td{padding:13px 16px;line-height:1.6}
body.lc-guide-page main .pf-table th{padding-bottom:9px}
@media(max-width:820px){body.lc-guide-page main .pf-section{padding:40px 0}}
body.lc-guide-page .lc-glance{max-width:none;padding:30px 0}
body.lc-guide-page .pf-final p{text-wrap:balance}
body.lc-guide-page .breadcrumbs{margin-top:140px;padding:14px 24px 6px}
@media(max-width:650px){body.lc-guide-page .breadcrumbs{display:none}}
body.lc-guide-page .lc-card-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin-top:28px}
@media(max-width:820px){body.lc-guide-page .lc-card-grid{grid-template-columns:1fr}}
body.lc-guide-page .lc-card-grid .lc-glance-card h3{font-family:var(--font-display);font-size:18px;color:var(--pf-navy);margin:0 0 8px;font-weight:400}
body.lc-guide-page .lc-card-grid .lc-glance-card p{font-size:14.5px;line-height:1.7;color:#3c4a5c;margin:0}
body.lc-guide-page .lc-term-cols.lc-four .pf-term-row:last-child{grid-column:auto;border-bottom:1px solid var(--pf-line,#d5dddf)}
body.lc-guide-page .pf-table td:first-child{font-size:17px;line-height:1.35;width:34%}
body.lc-guide-page .pf-table td.lc-rate{font-weight:700;color:var(--pf-green);font-size:17px;white-space:nowrap}
body.lc-guide-page .pf-table td.lc-rate-plain{font-weight:700;color:var(--pf-navy);font-size:15px;white-space:nowrap}
body.lc-guide-page .lc-faq{border-top:1px solid #cfd7d8;margin-top:24px;max-width:900px}
body.lc-guide-page .lc-faq details{border-bottom:1px solid #cfd7d8}
body.lc-guide-page .lc-faq summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;gap:22px;align-items:center;padding:20px 0;color:var(--pf-navy);font:650 16px var(--font-body)}
body.lc-guide-page .lc-faq summary::-webkit-details-marker{display:none}
body.lc-guide-page .lc-faq summary h3{font:inherit;margin:0;color:inherit}
body.lc-guide-page .lc-faq summary:after{content:"+";font-size:24px;font-weight:300;transition:transform .2s;flex:0 0 auto}
body.lc-guide-page .lc-faq details[open] summary:after{transform:rotate(45deg)}
body.lc-guide-page .lc-faq details p{padding:0 45px 22px 0;margin:0;color:var(--pf-muted);font-size:14.5px;line-height:1.7}
body.lc-guide-page .lc-cluster{display:flex;flex-wrap:wrap;gap:10px;align-items:center;margin:18px 0 0}
body.lc-guide-page .lc-cluster-label{font:600 12px/1 var(--font-body,sans-serif);letter-spacing:2px;text-transform:uppercase;color:#6b7686;margin-right:4px}
body.lc-guide-page .lc-cluster .lc-more-link{font-size:13.5px;padding:9px 16px}
body.lc-guide-page .lc-rate-display{font-family:var(--font-display);font-size:clamp(40px,5.6vw,64px);line-height:1.05;color:var(--pf-green);letter-spacing:-.02em;margin:6px 0 4px}
body.lc-guide-page .lc-rate-label{font:600 13px/1.2 var(--font-body,sans-serif);letter-spacing:2px;text-transform:uppercase;color:#6b7686;margin-top:26px}
body.lc-guide-page .lc-hero .pf-actions{margin-top:22px}

/* ==== Life company guides: process + approval components (body.lc-guide-page), added 2026-10-09 ==== */
body.lc-guide-page .lc-prose p{font-size:16.5px;line-height:1.75;color:#2b3a4d;max-width:78ch;margin:0 0 14px}
body.lc-guide-page .lc-prose a,body.lc-guide-page .lc-steps a,body.lc-guide-page .lc-prose-links a{color:var(--pf-green);font-weight:600}
body.lc-guide-page .lc-steps{list-style:none;margin:26px 0 0;padding:0;display:grid;grid-template-columns:minmax(0,1fr);gap:18px;max-width:none}
body.lc-guide-page .lc-step{display:grid;grid-template-columns:52px minmax(0,1fr);gap:22px;align-items:start}
body.lc-guide-page .lc-step-num{width:48px;height:48px;border-radius:50%;background:var(--pf-navy,#12263f);color:#fff;display:flex;align-items:center;justify-content:center;font:400 21px/1 var(--font-display)}
body.lc-guide-page .lc-step-body h2{font-family:var(--font-display);font-weight:400;font-size:24px;line-height:1.25;color:var(--pf-navy);margin:8px 0 12px;text-wrap:balance}
body.lc-guide-page .lc-step-body p{font-size:15.5px;line-height:1.7;color:#3c4a5c;margin:0 0 12px;max-width:none}
body.lc-guide-page .lc-step-body p:last-child{margin-bottom:0}
body.lc-guide-page .lc-step-body .pf-table-wrap{margin:16px 0 4px}
body.lc-guide-page .lc-step-body .lc-step-title{font-family:var(--font-display);font-size:21px;line-height:1.3;color:var(--pf-navy);margin:9px 0 8px}
body.lc-guide-page .lc-label{display:block;font:700 11px/1.2 var(--font-body,sans-serif);letter-spacing:.12em;text-transform:uppercase;color:#6b7686;margin-bottom:5px}
@media(max-width:560px){body.lc-guide-page .lc-step{grid-template-columns:minmax(0,1fr);gap:12px}}
body.lc-guide-page .lc-checklist{list-style:none;padding:0;margin:22px 0 20px;display:grid;gap:14px;max-width:80ch}
body.lc-guide-page .lc-checklist li{position:relative;padding-left:34px;font-size:16px;line-height:1.65;color:#3c4a5c}
body.lc-guide-page .lc-checklist li:before{content:"\2713";position:absolute;left:0;top:2px;width:22px;height:22px;border-radius:50%;background:var(--pf-green);color:#fff;font:700 12px/22px var(--font-body,sans-serif);text-align:center}
body.lc-guide-page .lc-checklist strong{color:var(--pf-navy)}
body.lc-guide-page .lc-callout{border:1px solid #ead9bd;border-left:4px solid #b7791f;background:#fffaf1;border-radius:10px;padding:22px 26px;max-width:85ch;margin-top:18px}
body.lc-guide-page .lc-callout p{margin:0}
body.lc-guide-page .lc-statement p{font-family:var(--font-display);font-size:19px;line-height:1.6;color:var(--pf-navy);max-width:64ch}
@media(max-width:650px){body.lc-guide-page .lc-statement p{font-size:17.5px}}
body.lc-guide-page .lc-faq summary{font-size:16px}

/* ==== Life company guides: qualify page components (body.lc-guide-page), added 2026-10-09 ==== */
body.lc-guide-page .lc-quick{background:#f0faf6;border:1px solid #b9e2d3;border-left:4px solid var(--pf-green);border-radius:10px;padding:18px 22px;margin:0 0 30px;font-size:16px;line-height:1.7;color:#2b3a4d;max-width:85ch}
body.lc-guide-page .lc-quick strong{display:block;font:700 11px/1.2 var(--font-body,sans-serif);letter-spacing:.12em;text-transform:uppercase;color:var(--pf-green);margin-bottom:8px}
body.lc-guide-page .pf-table.lc-req td:first-child{width:13%;font-size:14px;white-space:nowrap}
body.lc-guide-page .pf-table.lc-req td:nth-child(2){width:26%;font-weight:600;color:var(--pf-navy)}
body.lc-guide-page .lc-checklist.lc-two{grid-template-columns:1fr 1fr;column-gap:36px;max-width:none}
@media(max-width:760px){body.lc-guide-page .lc-checklist.lc-two{grid-template-columns:1fr}}
body.lc-guide-page .lc-card-grid .lc-pos{border-left:4px solid var(--pf-green)}
body.lc-guide-page .lc-card-grid .lc-neg{border-left:4px solid #b42318}
body.lc-guide-page .lc-cta-band h3{font-family:Georgia,serif;font-size:31px;font-weight:400;color:#fff;margin:0 0 12px;letter-spacing:.01em}
body.lc-guide-page .lc-glance-card .pf-kicker{display:block}