:root{--primary:#0047ab;--primary-dark:#003585;--primary-light:#e8f0fb;--text:#1a1a2e;--text-muted:#6b7280;--border:#e5e7eb;--bg:#f5f7fa;--card-bg:#ffffff;--positive:#16a34a;--negative:#dc2626;--radius:8px;--shadow:0 1px 3px rgba(0,0,0,0.08),0 1px 2px rgba(0,0,0,0.04)}.compare{display:flex;width:100%;min-height:100vh;font-family:var(--font-body,system-ui,"Segoe UI",sans-serif)}.compare__pane{flex:1 1 50%;width:50%;min-width:0;display:flex;flex-direction:column;border-right:1px solid var(--border);background:var(--bg)}.compare__pane:last-child{border-right:none}.compare__header{padding:12px 24px;background:var(--primary);color:#fff;font-size:14px;font-weight:600;letter-spacing:.5px;text-transform:uppercase;position:-webkit-sticky;position:sticky;top:0;z-index:1}.compare__header--draft{background:var(--text-muted)}.compare__body{flex:1 1;overflow:auto}.compare .dashboard{min-height:0}.compare .dashboard-main{max-width:none}@media (max-width:768px){.compare{flex-direction:column;min-height:0}.compare__pane{width:100%;border-right:none;border-bottom:1px solid var(--border)}}.dashboard{font-family:var(--font-body,system-ui,"Segoe UI",sans-serif);background:var(--bg);min-height:100vh;color:var(--text)}.dashboard-header{background:var(--primary);color:#fff;padding:32px 0}.dashboard-header__inner{max-width:1100px;margin:0 auto;padding:0 24px;display:flex;justify-content:space-between;align-items:flex-start}.dashboard-header__welcome{font-size:28px;font-weight:600;margin:0 0 4px}.dashboard-header__member{font-size:14px;opacity:.85;margin:0}.dashboard-header__login{font-size:13px;opacity:.75;margin:0;text-align:right}.dashboard-main{max-width:1100px;margin:0 auto;padding:24px;display:grid;grid-template-columns:1fr 1fr;grid-gap:20px;gap:20px}.card.beneficiaries,.card.insurance-widget,.card.quick-actions,.dashboard-status,.link-card-grid,.page-hero,.promo-banner,.trouble-banner{grid-column:1/-1}.card.insurance-panels{grid-column:1/2;grid-row:span 2}.dashboard-status{padding:40px;text-align:center;background:var(--card-bg);border-radius:var(--radius);box-shadow:var(--shadow);color:var(--text-muted);line-height:1.7}.dashboard-status--error{border-left:4px solid var(--negative);text-align:left}.dashboard-status__detail{font-size:13px;font-family:monospace;color:var(--negative);margin:8px 0}.dashboard-status code{background:#f3f4f6;padding:2px 6px;border-radius:4px;font-size:13px}.card{background:var(--card-bg);border-radius:var(--radius);box-shadow:var(--shadow);padding:24px}.card__heading{font-family:var(--font-heading,inherit);font-size:18px;margin:0 0 4px}.card__heading,.card__subheading{font-weight:600;color:var(--text)}.card__subheading{font-size:14px;margin:16px 0 8px}.card__subtitle{font-size:14px;color:var(--text-muted);margin:0 0 16px}.card__link{font-size:14px;color:var(--primary);text-decoration:none;display:inline-block;margin-top:8px}.card__link:hover{text-decoration:underline}.card__divider{border:none;margin:16px 0}.card__divider,.card__footer{border-top:1px solid var(--border)}.card__footer{margin-top:16px;padding-top:12px}.balance-row{display:flex;justify-content:space-between;align-items:baseline;margin-top:12px}.balance-row__label{font-size:14px;color:var(--text-muted)}.balance-row__value{font-size:28px;font-weight:700;color:var(--text);letter-spacing:-.5px}.table{width:100%;table-layout:fixed;border-collapse:collapse;font-size:14px;margin-top:12px}.table th{text-align:left;font-weight:600;color:var(--text-muted);padding:8px 0;font-size:13px}.table td,.table th{border-bottom:1px solid var(--border)}.table td{padding:10px 0}.table tr:last-child td{border-bottom:none}.table__amount{text-align:left;width:130px}.table__total td{font-weight:600}.positive{color:var(--positive)}.negative{color:var(--negative)}.table__bar-cell{width:170px;padding-left:32px}.table__bar-inner{display:flex;align-items:center;gap:12px}.investment-bar{flex:1 1;background:#e5e7eb;border-radius:4px;height:8px}.investment-bar__fill{height:100%;border-radius:4px;background:var(--primary)}.investment-bar__pct{font-size:13px;color:var(--text-muted);min-width:60px;text-align:right}.progress-bar{background:#e5e7eb;border-radius:4px;height:8px;margin:8px 0 20px}.progress-bar__fill{height:100%;border-radius:4px;background:var(--primary);transition:width .4s ease}.checklist{list-style:none;padding:0;margin:0}.checklist__item{display:flex;align-items:center;gap:10px;padding:8px 0;border-bottom:1px solid var(--border);font-size:14px}.checklist__item:last-child{border-bottom:none}.checklist__icon{color:var(--text-muted);font-size:16px;width:20px;text-align:center}.checklist__item.done .checklist__icon{color:var(--positive)}.checklist__label{color:var(--primary);text-decoration:none}.checklist__label:hover{text-decoration:underline}.card.insurance-widget{border-top:4px solid var(--primary)}.insurance-tiles{display:flex;margin-top:16px;border:1px solid var(--border);border-radius:var(--radius);overflow:hidden}.insurance-tile{flex:1 1;display:flex;flex-direction:column;gap:6px;padding:20px 24px;background:var(--primary-light);border-right:1px solid var(--border)}.insurance-tile:last-child{border-right:none}.insurance-tile__name{font-size:13px;color:var(--text-muted);font-weight:500}.insurance-tile__status{display:flex;align-items:center;gap:6px;font-size:13px;font-weight:600;color:var(--positive)}.insurance-tile__dot{width:8px;height:8px;border-radius:50%;background:var(--positive);flex-shrink:0}.insurance-tile__dot--inactive{background:var(--text-muted)}.insurance-tile__status:has(.insurance-tile__dot--inactive){color:var(--text-muted)}.insurance-tile__amount{font-size:22px;font-weight:700;color:var(--primary);letter-spacing:-.5px;margin-top:4px}.insurance-tile__unit{font-size:12px;color:var(--text-muted)}.quick-actions{display:flex;gap:0;padding:0;border-radius:var(--radius)}.action-tile{flex:1 1;display:flex;flex-direction:column;align-items:center;gap:10px;padding:24px 16px;cursor:pointer;border-right:1px solid var(--border);transition:background .15s}.action-tile:last-child{border-right:none}.action-tile:hover{background:var(--primary-light)}.action-tile__icon{width:40px;height:40px;object-fit:contain}.action-tile__label{font-size:13px;color:var(--primary);text-align:center;font-weight:500}.promo-banner{background:var(--primary-light);border-radius:var(--radius);display:flex;align-items:center;overflow:hidden;min-height:180px}.promo-banner--image_right{flex-direction:row}.promo-banner--image_left{flex-direction:row-reverse}.promo-banner__content{flex:1 1;padding:32px}.promo-banner__heading{font-family:var(--font-heading,inherit);font-size:22px;font-weight:700;margin:0 0 12px;color:var(--text)}.promo-banner__body{font-size:15px;color:var(--text-muted);margin:0 0 20px;line-height:1.6}.promo-banner__image{width:240px;height:180px;object-fit:cover;flex-shrink:0}.trouble-banner{background:var(--primary);color:#fff;border-radius:var(--radius);display:flex;align-items:center;overflow:hidden;min-height:180px}.trouble-banner__image{width:240px;height:180px;object-fit:cover;flex-shrink:0}.trouble-banner__content{flex:1 1;padding:32px}.trouble-banner__heading{font-family:var(--font-heading,inherit);font-size:24px;font-weight:700;margin:0 0 12px}.trouble-banner__body{font-size:15px;opacity:.9;margin:0 0 12px;line-height:1.6}.trouble-banner__phone{font-size:15px;margin:0;opacity:.9}.trouble-banner__phone-link{color:#fff;font-weight:700}.insurance-panels{padding:0;overflow:hidden}.insurance-panels .card__heading,.insurance-panels .card__subtitle{padding:0 24px}.insurance-panels .card__heading{padding-top:24px}.cover-panels-list{display:flex;flex-direction:column}.cover-panel{padding:24px;border-top:1px solid var(--border)}.cover-panel:first-child{border-top:none}.cover-panel__header{display:grid;grid-template-columns:1fr auto auto;align-items:center;grid-gap:32px;gap:32px}button.cover-panel__header--expandable{width:100%;background:transparent;border:none;font:inherit;text-align:left;cursor:pointer;padding:0;color:inherit;grid-template-columns:32px minmax(0,1fr) 130px 100px 18px;gap:16px}button.cover-panel__header--expandable .cover-panel__metric{min-width:0}.cover-panel__icon{display:inline-flex;color:var(--primary)}.cover-panel--expandable{padding:0;border-top:none;margin:0 24px 16px}.cover-panel--expandable:first-child{margin-top:24px}button.cover-panel__header--expandable{padding:20px;border:1.5px solid transparent;border-radius:var(--radius);transition:border-color .15s}button.cover-panel__header--expandable:hover{border-color:var(--border)}button.cover-panel__header--expandable.is-open{border-color:var(--primary)}.cover-panel__chevron{color:var(--primary);transition:transform .2s ease}.cover-panel__chevron.is-open{transform:rotate(180deg)}.cover-panel__title{font-family:var(--font-heading,inherit);font-size:22px;font-weight:600;color:var(--primary);margin:0;line-height:1.2}.cover-panel__metrics{display:contents}.cover-panel__metric{display:flex;flex-direction:column;align-items:flex-end;min-width:110px}.cover-panel__metric-label{font-size:13px;color:var(--text);margin-bottom:4px}.cover-panel__metric-value{font-size:18px;font-weight:600;color:var(--primary)}.cover-panel__body{margin-top:16px}.cover-panel__what-link{display:inline-block;color:var(--primary);font-weight:600;text-decoration:none;margin-bottom:6px}.cover-panel__what-link:hover{text-decoration:underline}.cover-panel__description{margin:0;color:var(--text);font-size:14px;line-height:1.5}.cover-panel__detail{background:var(--bg);padding:24px 28px 28px;margin-top:12px;border-radius:var(--radius)}.cover-panel__detail-subtitle{font-size:15px;color:var(--text);margin-bottom:16px}.cover-panel__detail-list{display:grid;grid-template-columns:180px 1fr;grid-row-gap:12px;row-gap:12px;margin:0}.cover-panel__detail-list dd,.cover-panel__detail-list dt{font-size:14px;color:var(--text);margin:0}.insurance-panels__total{display:flex;justify-content:space-between;align-items:baseline;padding:20px 24px;border-top:1px solid var(--border);font-size:14px;color:var(--text)}.insurance-panels__total-value{font-weight:600;color:var(--text);font-size:16px}.insurance-panels__cta{padding:0 24px 24px;display:flex;justify-content:flex-start}.insurance-panels__empty{text-align:center;padding:40px 24px;color:var(--text-muted);font-size:14px}@media (max-width:640px){.cover-panel__header{grid-template-columns:1fr 1fr}.cover-panel__title{grid-column:1/-1;margin-bottom:8px}.cover-panel__metric{align-items:flex-start}}.beneficiaries{display:flex;align-items:center;justify-content:space-between;gap:16px}.beneficiaries__text{flex:1 1;min-width:0}.beneficiaries .card__heading{margin-bottom:4px}.beneficiaries .card__subtitle{margin:0}.page-hero{background:var(--primary);color:#fff;margin:-24px -24px 0;padding:48px 0 56px}.page-hero__inner{max-width:1100px;margin:0 auto;padding:0 32px}.page-hero__heading{font-family:var(--font-heading,inherit);font-size:38px;font-weight:600;margin:0 0 16px;line-height:1.1}.page-hero__body{font-size:17px;line-height:1.5;margin:0 0 16px;max-width:900px}.page-hero__footnote{font-size:15px;margin:0;max-width:900px;opacity:.95}.info-card{display:flex;flex-direction:column;gap:16px}.info-card__header{display:flex;align-items:flex-start;justify-content:space-between;gap:16px}.info-card__heading{font-family:var(--font-heading,inherit);font-size:22px;font-weight:600;margin:0;color:var(--primary);line-height:1.2}.info-card__body{display:flex;flex-direction:column;gap:14px}.info-card__body p{margin:0;font-size:14px;line-height:1.55;color:var(--text)}.info-card__list{list-style:disc;padding-left:20px;margin:0;display:flex;flex-direction:column;gap:6px}.info-card__list li{font-size:14px;line-height:1.5;color:var(--text)}.info-card__inline-link{color:var(--primary);text-decoration:underline}.info-card__primary-cta{align-self:stretch;text-align:center;margin-top:4px}.link-card-grid{display:grid;grid-template-columns:repeat(3,1fr);grid-gap:20px;gap:20px}.link-tile{display:flex;flex-direction:column;gap:12px}.link-tile__heading{font-family:var(--font-heading,inherit);font-size:18px;font-weight:600;margin:0;color:var(--text)}.link-tile__body{margin:0;font-size:14px;line-height:1.5;color:var(--text);flex:1 1}.link-tile__link{margin-top:auto}.btn{display:inline-block;background:var(--primary);color:#fff;padding:10px 20px;border-radius:4px;font-size:14px;font-weight:600;text-decoration:none;transition:background .15s}.btn:hover{background:var(--primary-dark)}.btn--outline{background:transparent;color:var(--primary);border:1.5px solid var(--primary);padding:8.5px 18px}.btn--outline:hover{background:var(--primary-light)}@media (max-width:768px){.dashboard-main{grid-template-columns:1fr}.card.insurance-panels{grid-column:1/-1;grid-row:auto}.link-card-grid{grid-template-columns:1fr}.page-hero{padding:36px 0}.page-hero__heading{font-size:28px}.dashboard-header__inner{flex-direction:column;gap:12px}.dashboard-header__login{text-align:left}.promo-banner,.trouble-banner{flex-direction:column}.promo-banner__image,.trouble-banner__image{width:100%;height:160px}.quick-actions{flex-wrap:wrap}.action-tile{flex-basis:50%;border-bottom:1px solid var(--border)}}