/* =========================================================
   LoyaInsurance.org external page CSS
========================================================= */
/* Get a Quote Page */

body:has(.loya-quote-page) .wp-block-post-title,
body:has(.loya-quote-page) h1.wp-block-post-title{
  display:none!important;
}

body:has(.loya-quote-page) .wp-site-blocks{
  overflow-x:hidden!important;
}

.loya-quote-page,
.loya-quote-page *{
  box-sizing:border-box;
}

.loya-quote-page{
  width:100%;
  max-width:100%;
  margin:0 auto;
  padding:0;
  font-family:inherit;
  color:#172033;
  line-height:1.72;
  overflow-x:hidden;
}

.loya-quote-page a{
  color:#0b63ce;
  font-weight:800;
  text-decoration:underline;
  text-underline-offset:3px;
}

.loya-quote-page p{
  margin:0 0 18px;
}

.loya-quote-hero{
  width:100%!important;
  max-width:680px!important;
  min-height:0!important;
  margin:26px auto 34px!important;
  padding:18px!important;
  border-radius:26px!important;
  display:block!important;
  position:relative;
  overflow:hidden;
  color:#fff;
  background:
    radial-gradient(circle at 82% 22%, rgba(255,255,255,.16) 0, rgba(255,255,255,0) 28%),
    radial-gradient(circle at 72% 78%, rgba(220,38,38,.22) 0, rgba(220,38,38,0) 34%),
    linear-gradient(135deg,#0f172a 0%,#1e3a8a 48%,#020617 100%);
}

.loya-quote-hero::before{
  content:"";
  position:absolute;
  inset:0;
  background:
    linear-gradient(90deg, rgba(2,6,23,.70) 0%, rgba(2,6,23,.38) 48%, rgba(2,6,23,.20) 100%),
    repeating-linear-gradient(135deg, rgba(255,255,255,.045) 0 1px, transparent 1px 18px);
  pointer-events:none;
  z-index:1;
}

.loya-quote-card{
  width:100%!important;
  max-width:100%!important;
  margin:0!important;
  padding:24px 26px!important;
  border-radius:22px!important;
  background:rgba(255,255,255,0.14);
  backdrop-filter:blur(16px);
  -webkit-backdrop-filter:blur(16px);
  border:1px solid rgba(255,255,255,.30);
  box-shadow:0 18px 46px rgba(0,0,0,.26);
  position:relative;
  z-index:2;
}

.loya-quote-badge{
  display:inline-flex;
  align-items:center;
  gap:8px;
  padding:8px 12px;
  border-radius:999px;
  background:rgba(255,255,255,.16);
  border:1px solid rgba(255,255,255,.24);
  color:#fff;
  font-size:13px;
  font-weight:900;
  margin-bottom:16px;
  letter-spacing:.02em;
  text-transform:uppercase;
}

.loya-quote-card h1{
  font-size:34px!important;
  line-height:1.08!important;
  margin:0 0 12px!important;
  font-weight:950;
  letter-spacing:-1.2px;
  color:#fff!important;
  -webkit-text-fill-color:#fff!important;
  text-shadow:0 3px 18px rgba(0,0,0,.28);
}

.loya-quote-card p{
  font-size:15px!important;
  line-height:1.55!important;
  color:#fff;
  opacity:.97;
  margin:0 0 16px!important;
  font-weight:600;
  text-shadow:0 2px 12px rgba(0,0,0,.22);
}

.loya-quote-zip{
  width:100%;
  min-width:0;
  padding:13px 14px!important;
  border-radius:12px!important;
  border:none;
  font-size:15px!important;
  font-weight:800;
  outline:none;
  background:rgba(255,255,255,.96);
  color:#111827;
}

.loya-quote-zip::placeholder{
  color:#6b7280;
}

.loya-quote-btn{
  width:100%;
  margin-top:10px!important;
  padding:13px!important;
  background:#dc2626;
  color:#fff!important;
  border:none;
  border-radius:12px!important;
  font-size:15px!important;
  font-weight:950;
  cursor:pointer;
  box-shadow:0 14px 28px rgba(220,38,38,.28);
  transition:transform .18s ease, background .18s ease, box-shadow .18s ease;
}

.loya-quote-btn:hover{
  background:#b91c1c;
  transform:translateY(-1px);
  box-shadow:0 16px 32px rgba(220,38,38,.36);
}

.loya-quote-note{
  display:flex;
  gap:10px;
  align-items:flex-start;
  margin-top:12px!important;
  font-size:12.5px!important;
  line-height:1.45;
  color:rgba(255,255,255,.90);
}

.loya-quote-note span{
  display:inline-flex;
  width:22px;
  height:22px;
  min-width:22px;
  align-items:center;
  justify-content:center;
  border-radius:999px;
  background:rgba(255,255,255,.16);
  font-weight:900;
}

.loya-mini-stats{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:8px!important;
  margin-top:14px!important;
}

.loya-mini-stat{
  padding:9px 8px!important;
  border-radius:13px!important;
  background:rgba(255,255,255,.11);
  border:1px solid rgba(255,255,255,.18);
  text-align:center;
}

.loya-mini-stat strong{
  display:block;
  font-size:15px!important;
  line-height:1.1;
  color:#fff;
}

.loya-mini-stat small{
  display:block;
  margin-top:4px;
  color:rgba(255,255,255,.82);
  font-size:11px!important;
  line-height:1.25;
  font-weight:700;
}

.loya-quote-main{
  max-width:1120px;
  margin:0 auto;
  padding:10px 22px 64px!important;
}

.loya-editorial-strip{
  margin:0 auto 30px;
  padding:18px 20px;
  border-radius:20px;
  background:#f8fafc;
  border:1px solid #e2e8f0;
  color:#475569;
  font-size:15px;
  line-height:1.65;
}

.loya-editorial-strip strong{
  color:#0f172a;
}

.loya-section{
  margin:44px 0;
}

.loya-section.narrow{
  max-width:940px;
  margin-left:auto;
  margin-right:auto;
}

.loya-section h2{
  font-size:clamp(30px,4vw,40px);
  line-height:1.14;
  margin:0 0 14px;
  color:#082044;
  letter-spacing:-.03em;
  font-weight:950;
}

.loya-section h3{
  margin:0 0 10px;
  color:#111827;
  font-size:22px;
  line-height:1.25;
  font-weight:900;
}

.loya-section p{
  font-size:17px;
  line-height:1.72;
  color:#374151;
}

.loya-info-grid,
.loya-step-grid,
.loya-link-grid{
  display:grid;
  grid-template-columns:repeat(3,minmax(0,1fr));
  gap:20px;
  margin-top:26px;
}

.loya-info-card,
.loya-step-card,
.loya-link-card{
  background:#fff;
  border:1px solid #e5e7eb;
  border-radius:22px;
  padding:25px;
  box-shadow:0 14px 35px rgba(15,23,42,.08);
}

.loya-info-card.blue,
.loya-step-card.blue,
.loya-link-card.blue{
  background:linear-gradient(135deg,#eff6ff,#fff);
  border-color:#bfdbfe;
}

.loya-info-card.orange,
.loya-step-card.orange,
.loya-link-card.orange{
  background:linear-gradient(135deg,#fff7ed,#fff);
  border-color:#fed7aa;
}

.loya-info-card.green,
.loya-step-card.green,
.loya-link-card.green{
  background:linear-gradient(135deg,#ecfdf5,#fff);
  border-color:#bbf7d0;
}

.loya-info-card.purple,
.loya-step-card.purple,
.loya-link-card.purple{
  background:linear-gradient(135deg,#f5f3ff,#fff);
  border-color:#ddd6fe;
}

.loya-info-card p,
.loya-step-card p,
.loya-link-card p{
  margin:0;
  color:#4b5563;
  font-size:15.5px;
  line-height:1.62;
}

.loya-step-number{
  width:42px;
  height:42px;
  border-radius:14px;
  display:flex;
  align-items:center;
  justify-content:center;
  margin:0 0 14px;
  background:#1e3a8a;
  color:#fff;
  font-weight:950;
  font-size:18px;
}

.loya-checklist{
  margin:20px 0 0;
  padding:0;
  list-style:none;
  display:grid;
  grid-template-columns:repeat(2,minmax(0,1fr));
  gap:14px;
}

.loya-checklist li{
  padding:16px 18px;
  border-radius:18px;
  background:#fff;
  border:1px solid #e5e7eb;
  color:#374151;
  font-size:15.5px;
  line-height:1.55;
  box-shadow:0 10px 26px rgba(15,23,42,.04);
}

.loya-disclosure{
  margin:44px 0;
  padding:24px 26px;
  border-radius:24px;
  background:#fff7ed;
  border:1px solid #fed7aa;
  color:#7c2d12;
  box-shadow:0 12px 30px rgba(124,45,18,.055);
}

.loya-disclosure h2{
  color:#7c2d12;
  font-size:28px;
  margin:0 0 10px;
}

.loya-disclosure p{
  color:#7c2d12;
  font-size:16px;
  line-height:1.7;
}

.loya-faq{
  margin-top:24px;
}

.loya-faq details{
  margin:0 0 12px;
  padding:17px 19px;
  border-radius:16px;
  background:#fff;
  border:1px solid #e5e7eb;
  box-shadow:0 10px 26px rgba(15,23,42,.04);
}

.loya-faq summary{
  cursor:pointer;
  color:#0f172a;
  font-weight:850;
  list-style:none;
}

.loya-faq summary::-webkit-details-marker{
  display:none;
}

.loya-faq p{
  margin:12px 0 0!important;
  color:#475569;
  font-size:15px;
  line-height:1.6;
}

.loya-final-cta{
  margin:50px 0 20px;
  padding:32px;
  border-radius:28px;
  background:linear-gradient(135deg,#0f172a,#1e3a8a);
  color:#fff;
  text-align:center;
  box-shadow:0 20px 48px rgba(15,23,42,.18);
}

.loya-final-cta h2{
  color:#fff;
  margin:0 0 10px;
}

.loya-final-cta p{
  color:#e5e7eb;
  max-width:720px;
  margin:0 auto 18px;
}

.loya-final-form{
  max-width:480px;
  margin:0 auto;
  display:flex;
  gap:10px;
}

.loya-final-form input{
  flex:1;
  min-width:0;
  height:48px;
  border:none;
  border-radius:12px;
  padding:0 14px;
  font-weight:800;
}

.loya-final-form button{
  height:48px;
  border:none;
  border-radius:12px;
  padding:0 18px;
  background:#dc2626;
  color:#fff;
  font-weight:950;
  cursor:pointer;
  white-space:nowrap;
}

@media(max-width:900px){
  .loya-info-grid,
  .loya-step-grid,
  .loya-link-grid,
  .loya-checklist{
    grid-template-columns:1fr;
  }

  .loya-final-form{
    display:block;
  }

  .loya-final-form input,
  .loya-final-form button{
    width:100%;
  }

  .loya-final-form button{
    margin-top:10px;
  }
}

@media(max-width:760px){
  .loya-quote-hero{
    max-width:calc(100% - 28px)!important;
    margin:22px auto 30px!important;
    padding:14px!important;
  }

  .loya-quote-card{
    padding:22px 20px!important;
  }

  .loya-quote-card h1{
    font-size:30px!important;
  }

  .loya-mini-stats{
    grid-template-columns:1fr!important;
  }
}

@media(max-width:560px){
  .loya-quote-main{
    padding:10px 16px 52px!important;
  }

  .loya-info-card,
  .loya-step-card,
  .loya-link-card,
  .loya-disclosure,
  .loya-final-cta{
    padding:22px;
  }
}

/* Affordable-auto-insurance-providers-guide */
.aip-page,
.aip-page *{
  box-sizing:border-box;
}

.aip-page{
  max-width:1120px;
  margin:0 auto;
  padding:0 24px 58px;
  color:#172033;
  font-size:17px;
  line-height:1.72;
  font-family:inherit;
  overflow:hidden;
}

.aip-page p{
  margin:0 0 18px;
}

.aip-page a{
  color:#b45309;
  text-decoration:underline;
  text-underline-offset:3px;
  font-weight:750;
}

.aip-page h2{
  margin:0 0 16px;
  color:#0f172a;
  font-size:32px;
  line-height:1.18;
  font-weight:900;
  letter-spacing:-.025em;
}

.aip-page h3{
  margin:0 0 10px;
  color:#111827;
  font-size:22px;
  line-height:1.25;
  font-weight:850;
}

.aip-page h4{
  margin:0 0 8px;
  color:#111827;
  font-size:18px;
  line-height:1.25;
  font-weight:850;
}

.sj-author-card{
  width:100%;
  max-width:940px;
  margin:18px auto 30px;
  border:1px solid #e2e8f0;
  border-radius:18px;
  background:linear-gradient(135deg,#fff7ed 0%,#ffffff 55%,#eff6ff 100%);
  box-shadow:0 14px 34px rgba(15,23,42,.06);
  overflow:hidden;
}

.sj-author-row{
  display:flex;
  align-items:center;
  gap:16px;
  padding:18px 20px;
}

.sj-author-photo,
.sj-author-avatar{
  width:58px;
  height:58px;
  min-width:58px;
  border-radius:999px;
  object-fit:cover;
  border:2px solid #fff;
  box-shadow:0 10px 24px rgba(15,23,42,.12);
}

.sj-author-avatar{
  display:flex;
  align-items:center;
  justify-content:center;
  background:#7c2d12;
  color:#fff;
  font-size:18px;
  font-weight:900;
}

.sj-author-content{
  flex:1;
  min-width:0;
}

.sj-author-topline{
  display:flex;
  align-items:center;
  gap:12px;
  flex-wrap:wrap;
  color:#0f172a;
  font-size:15px;
  line-height:1.35;
}

.sj-author-topline strong{
  font-size:18px;
  color:#0f172a;
  font-weight:900;
}

.sj-author-topline span{
  color:#64748b;
  font-size:14px;
}

.sj-author-badge{
  display:inline-flex;
  align-items:center;
  padding:6px 11px;
  border-radius:999px;
  background:#7c2d12;
  color:#fff!important;
  font-size:12px!important;
  line-height:1;
  font-weight:900;
  letter-spacing:.04em;
  text-transform:uppercase;
  white-space:nowrap;
}

.sj-author-details{
  margin-top:8px;
}

.sj-author-details summary{
  cursor:pointer;
  display:inline-flex;
  align-items:center;
  gap:6px;
  color:#b45309;
  font-size:13px;
  font-weight:850;
  list-style:none;
}

.sj-author-details summary::-webkit-details-marker{
  display:none;
}

.sj-author-panel{
  margin-top:12px;
  padding:14px 16px;
  max-width:780px;
  border-radius:14px;
  background:#fff;
  border:1px solid #e2e8f0;
  color:#475569;
  font-size:14px;
  line-height:1.65;
}

.sj-author-panel p{
  margin:0 0 10px!important;
}

.sj-author-panel p:last-child{
  margin-bottom:0!important;
}

.sj-author-date{
  min-width:180px;
  color:#64748b;
  font-size:13px;
  line-height:1.45;
  font-style:italic;
  text-align:right;
  white-space:nowrap;
}

.aip-hero{
  margin:0 0 34px;
  border-radius:34px;
  overflow:hidden;
  background:#0f172a;
  border:1px solid #fed7aa;
  box-shadow:0 24px 60px rgba(15,23,42,.13);
}

.aip-hero-grid{
  display:grid;
  grid-template-columns:minmax(0,1fr) minmax(300px,.78fr);
  min-height:455px;
}

.aip-hero-copy{
  padding:46px;
  background:
    radial-gradient(circle at 14% 20%,rgba(251,146,60,.24),transparent 35%),
    radial-gradient(circle at 90% 88%,rgba(59,130,246,.24),transparent 38%),
    linear-gradient(135deg,#111827 0%,#1f2937 54%,#431407 100%);
  color:#fff;
  display:flex;
  flex-direction:column;
  justify-content:center;
}

.aip-eyebrow{
  display:inline-flex;
  width:max-content;
  margin:0 0 17px;
  padding:8px 14px;
  border-radius:999px;
  background:rgba(255,255,255,.14);
  color:#fff;
  font-size:13px;
  line-height:1;
  font-weight:900;
  letter-spacing:.04em;
  text-transform:uppercase;
}

.aip-page-title{
  display:block;
  color:#fff;
  font-size:clamp(34px,5vw,46px);
  line-height:1.05;
  letter-spacing:-.04em;
  font-weight:950;
  max-width:760px;
  margin:0 0 18px!important;
}

.aip-hero-copy p{
  color:#f8fafc;
  max-width:760px;
}

.aip-hero-copy a{
  color:#fed7aa;
}

.aip-lede{
  font-size:18px;
  line-height:1.75;
}

.aip-hero-panel{
  padding:28px;
  background:linear-gradient(135deg,#fff7ed,#ffffff);
  display:flex;
  align-items:center;
  justify-content:center;
}

.aip-hero-panel-card{
  width:100%;
  border-radius:26px;
  padding:26px;
  background:#fff;
  border:1px solid #fed7aa;
  box-shadow:0 18px 42px rgba(15,23,42,.10);
}

.aip-hero-panel-card h3{
  color:#7c2d12;
  font-size:24px;
  margin-bottom:14px;
}

.aip-hero-checklist{
  margin:0;
  padding:0;
  list-style:none;
}

.aip-hero-checklist li{
  display:flex;
  gap:10px;
  align-items:flex-start;
  margin:0 0 14px;
  color:#475569;
  font-size:15px;
  line-height:1.55;
}

.aip-hero-checklist li:last-child{
  margin-bottom:0;
}

.aip-hero-checklist span{
  width:24px;
  height:24px;
  min-width:24px;
  border-radius:999px;
  display:flex;
  align-items:center;
  justify-content:center;
  background:#fff7ed;
  color:#b45309;
  font-weight:950;
  font-size:13px;
  border:1px solid #fed7aa;
}

.aip-hero-note{
  margin-top:18px;
  padding:15px 16px;
  border-radius:18px;
  background:#0f172a;
  color:#e5e7eb;
  font-size:14px;
  line-height:1.55;
}

.aip-hero-note strong{
  display:block;
  color:#fff;
  margin-bottom:5px;
}

.aip-stat-strip{
  display:grid;
  grid-template-columns:repeat(4,minmax(0,1fr));
  background:#fff;
  border-top:1px solid rgba(226,232,240,.35);
}

.aip-stat{
  padding:18px 20px;
  border-right:1px solid #e5e7eb;
  background:#fff;
}

.aip-stat:nth-child(2){
  background:#eff6ff;
}

.aip-stat:nth-child(3){
  background:#fff7ed;
}

.aip-stat:nth-child(4){
  background:#ecfdf5;
  border-right:0;
}

.aip-stat strong{
  display:block;
  margin:0 0 4px;
  color:#0f172a;
  font-size:18px;
  line-height:1.2;
  font-weight:950;
}

.aip-stat span{
  display:block;
  color:#475569;
  font-size:14px;
  line-height:1.5;
}

.aip-alert{
  margin:0 0 38px;
  padding:20px 22px;
  border-radius:22px;
  background:#fff7ed;
  border:1px solid #fed7aa;
  color:#7c2d12;
  box-shadow:0 12px 30px rgba(124,45,18,.055);
}

.aip-alert strong{
  color:#9a3412;
  font-weight:900;
}

.aip-section{
  margin:46px 0;
}

.aip-section.narrow{
  max-width:930px;
  margin-left:auto;
  margin-right:auto;
}

.aip-grid-2{
  display:grid;
  grid-template-columns:repeat(2,minmax(0,1fr));
  gap:28px 20px;
  align-items:stretch;
  margin:24px 0 34px;
}

.aip-grid-3{
  display:grid;
  grid-template-columns:repeat(3,minmax(0,1fr));
  gap:28px 20px;
  align-items:stretch;
  margin:24px 0 34px;
}

.aip-card{
  padding:22px;
  border-radius:22px;
  border:1px solid #e5e7eb;
  background:#fff;
  box-shadow:0 14px 34px rgba(15,23,42,.055);
  position:relative;
  z-index:1;
}

.aip-card.blue{
  background:linear-gradient(135deg,#eff6ff,#ffffff);
  border-color:#bfdbfe;
}

.aip-card.green{
  background:linear-gradient(135deg,#ecfdf5,#ffffff);
  border-color:#bbf7d0;
}

.aip-card.orange{
  background:linear-gradient(135deg,#fff7ed,#ffffff);
  border-color:#fed7aa;
}

.aip-card.purple{
  background:linear-gradient(135deg,#faf5ff,#ffffff);
  border-color:#e9d5ff;
}

.aip-card.red{
  background:linear-gradient(135deg,#fef2f2,#ffffff);
  border-color:#fecaca;
}

.aip-card.gray{
  background:linear-gradient(135deg,#f8fafc,#ffffff);
  border-color:#e2e8f0;
}

.aip-card p:last-child{
  margin-bottom:0;
}

.aip-list{
  margin:0 0 20px;
  padding-left:22px;
}

.aip-list li{
  margin:0 0 12px;
}

.aip-after-card-link{
  display:block;
  width:100%;
  clear:both;
  margin:0 0 0;
  padding:16px 18px;
  border-radius:18px;
  background:#f8fafc;
  border:1px solid #e2e8f0;
  color:#334155;
  font-size:16px;
  line-height:1.65;
  position:relative;
  z-index:2;
}

.aip-after-card-link a{
  color:#0b63ce!important;
  font-weight:800;
  text-decoration:underline;
  text-underline-offset:3px;
}

.aip-table-wrap{
  margin:24px 0 30px;
  overflow-x:auto;
  border-radius:22px;
  border:1px solid #e5e7eb;
  background:#fff;
  box-shadow:0 16px 36px rgba(15,23,42,.05);
}

.aip-table{
  width:100%;
  border-collapse:collapse;
  min-width:780px;
  background:#fff;
}

.aip-table th,
.aip-table td{
  padding:16px 18px;
  text-align:left;
  vertical-align:top;
  border-bottom:1px solid #e5e7eb;
  font-size:15px;
  line-height:1.55;
}

.aip-table th{
  background:#111827;
  color:#fff;
  font-size:14px;
  text-transform:uppercase;
  letter-spacing:.04em;
  font-weight:850;
}

.aip-table tbody tr:nth-child(even) td{
  background:#f8fafc;
}

.aip-table tr:last-child td{
  border-bottom:0;
}

.aip-side-layout{
  display:grid;
  grid-template-columns:minmax(280px,360px) minmax(0,1fr);
  gap:26px;
  align-items:start;
  margin:26px 0 0;
}

.aip-side-card{
  padding:24px;
  border-radius:24px;
  background:linear-gradient(135deg,#7c2d12,#b45309);
  color:#fff;
  box-shadow:0 18px 42px rgba(124,45,18,.18);
}

.aip-side-card h3{
  color:#fff;
}

.aip-side-card p,
.aip-side-card li{
  color:#ffedd5;
  font-size:15px;
  line-height:1.6;
}

.aip-score-wrap{
  display:grid;
  grid-template-columns:1.1fr .9fr;
  gap:22px;
  margin:24px 0 0;
  align-items:stretch;
}

.aip-score-main{
  padding:26px;
  border-radius:26px;
  background:linear-gradient(135deg,#1e3a8a,#0f172a);
  color:#fff;
  box-shadow:0 18px 42px rgba(30,58,138,.16);
}

.aip-score-main h2,
.aip-score-main h3{
  color:#fff;
}

.aip-score-main p,
.aip-score-main li{
  color:#e5e7eb;
}

.aip-steps{
  margin:24px 0 0;
  display:grid;
  grid-template-columns:repeat(4,minmax(0,1fr));
  gap:14px;
}

.aip-step{
  padding:18px;
  border-radius:22px;
  background:#fff;
  border:1px solid #e5e7eb;
  box-shadow:0 12px 30px rgba(15,23,42,.045);
}

.aip-step span{
  width:40px;
  height:40px;
  display:flex;
  align-items:center;
  justify-content:center;
  margin:0 0 12px;
  border-radius:14px;
  background:#fff7ed;
  color:#b45309;
  font-size:18px;
  font-weight:950;
}

.aip-step p{
  color:#475569;
  font-size:15px;
  line-height:1.6;
  margin-bottom:0;
}

.aip-faq details{
  margin:0 0 12px;
  padding:17px 19px;
  border-radius:16px;
  background:#fff;
  border:1px solid #e5e7eb;
  box-shadow:0 10px 26px rgba(15,23,42,.04);
}

.aip-faq summary{
  cursor:pointer;
  color:#0f172a;
  font-weight:850;
  list-style:none;
}

.aip-faq summary::-webkit-details-marker{
  display:none;
}

.aip-faq p{
  margin:12px 0 0!important;
  color:#475569;
  font-size:15px;
  line-height:1.6;
}

.aip-final-quote{
  margin:46px auto 36px;
  width:100%;
  display:flex;
  justify-content:center;
}

.aip-final-quote-inner{
  max-width:800px;
  width:100%;
  background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
  border-radius:22px;
  padding:22px 24px 20px;
  box-shadow:0 16px 38px rgba(10,20,40,.20);
  border:1px solid rgba(255,255,255,.08);
}

.aip-final-title{
  display:block;
  color:#ffffff!important;
  font-size:24px;
  line-height:1.15;
  font-weight:900;
  margin:0 0 7px;
  text-align:center;
  -webkit-text-fill-color:#ffffff;
}

.aip-final-subtitle{
  display:block;
  color:#e2e8f0!important;
  font-size:14px;
  line-height:1.5;
  font-weight:500;
  margin:0 0 14px;
  text-align:center;
  -webkit-text-fill-color:#e2e8f0;
}

.aip-final-form{
  display:flex;
  gap:10px;
  align-items:center;
  justify-content:center;
  flex-wrap:wrap;
  margin:0;
  padding:0;
  width:100%;
}

.aip-form-col{
  flex:1 1 180px;
  min-width:160px;
  max-width:200px;
  margin:0;
  padding:0;
}

.aip-form-col.button-col{
  flex:0 0 160px;
  min-width:160px;
}

.aip-final-form input{
  width:100%;
  height:44px;
  display:block;
  box-sizing:border-box;
  margin:0;
  padding:0 12px;
  border:none;
  border-radius:10px;
  background:#f3f4f6;
  color:#24324a;
  font-size:15px;
  line-height:44px;
  box-shadow:none;
  outline:none;
}

.aip-final-form button{
  width:100%;
  height:44px;
  display:inline-flex;
  align-items:center;
  justify-content:center;
  box-sizing:border-box;
  border:none;
  border-radius:10px;
  background:#dc2626;
  color:#ffffff!important;
  font-size:15px;
  line-height:1;
  font-weight:800;
  text-align:center;
  padding:0 18px;
  cursor:pointer;
  -webkit-text-fill-color:#ffffff;
}

.aip-editorial{
  margin:34px 0;
  padding:18px 20px;
  border-radius:20px;
  background:#f8fafc;
  border:1px solid #e2e8f0;
  color:#475569;
  font-size:15px;
  line-height:1.65;
}

.aip-refs{
  margin-top:36px;
  padding-top:24px;
  border-top:1px solid #e5e7eb;
}

.aip-refs h3{
  margin:0 0 12px;
  color:#0f172a;
  font-size:22px;
  line-height:1.2;
  font-weight:900;
}

.aip-refs ol{
  margin:0;
  padding-left:20px;
}

.aip-refs li{
  margin:0 0 10px;
  color:#334155;
  font-size:15px;
  line-height:1.6;
}

.aip-ref-back{
  margin-left:6px;
  white-space:nowrap;
  text-decoration:none!important;
  font-weight:850;
}

@media(max-width:980px){
  .aip-hero-grid,
  .aip-stat-strip,
  .aip-grid-2,
  .aip-grid-3,
  .aip-side-layout,
  .aip-score-wrap,
  .aip-steps{
    grid-template-columns:1fr;
  }

  .aip-stat{
    border-right:0;
    border-bottom:1px solid #e5e7eb;
  }

  .aip-stat:last-child{
    border-bottom:0;
  }

  .sj-author-row{
    align-items:flex-start;
    flex-wrap:wrap;
  }

  .sj-author-content{
    flex:1 1 calc(100% - 80px);
  }

  .sj-author-date{
    width:100%;
    min-width:0;
    text-align:left;
    padding-left:74px;
    white-space:normal;
  }
}

@media(max-width:640px){
  .aip-page{
    padding:0 18px 44px;
    font-size:16px;
  }

  .aip-page h2{
    font-size:28px;
  }

  .aip-hero-copy,
  .aip-hero-panel{
    padding:24px;
  }

  .aip-page-title{
    font-size:32px;
  }

  .aip-form-col,
  .aip-form-col.button-col{
    flex:1 1 100%;
    max-width:none;
  }
}

@media(max-width:560px){
  .sj-author-row{
    display:block;
  }

  .sj-author-photo,
  .sj-author-avatar{
    margin-bottom:12px;
  }

  .sj-author-topline{
    display:block;
  }

  .sj-author-badge,
  .sj-author-topline strong,
  .sj-author-topline span{
    margin:0 0 7px;
  }

  .sj-author-date{
    padding-left:0;
    margin-top:10px;
  }
}

/* Compare-auto-liability-insurance-quotes */
.laq-page,
    .laq-page *{
      box-sizing:border-box;
    }

    .laq-page{
      max-width:1180px;
      margin:0 auto;
      padding:0 24px 58px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .laq-page p{
      margin:0 0 18px;
    }

    .laq-page h2{
      margin:0 0 16px;
      color:#0b1f3a;
      font-size:34px;
      line-height:1.14;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .laq-page h3{
      margin:0 0 11px;
      color:#0b1f3a;
      font-size:23px;
      line-height:1.22;
      font-weight:850;
    }

    .laq-page h4{
      margin:0 0 8px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .laq-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .laq-author{
      margin:18px 0 32px;
      border-radius:24px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
    }

    .laq-author-main{
      display:grid;
      grid-template-columns:72px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 56%,#fff7ed 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .laq-author img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .laq-badge{
      display:inline-flex;
      margin:0 0 7px;
      padding:6px 11px;
      border-radius:999px;
      background:#0b1f3a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .laq-author-name{
      margin:0;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .laq-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .laq-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .laq-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .laq-author details{
      margin:0;
    }

    .laq-author summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .laq-author summary::-webkit-details-marker{
      display:none;
    }

    .laq-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .laq-author details[open] .laq-caret{
      transform:rotate(180deg);
    }

    .laq-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:820px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .laq-author-panel p{
      margin:0 0 10px!important;
    }

    .laq-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .laq-hero{
      margin:0 0 38px;
      border-radius:34px;
      overflow:hidden;
      background:#0b1f3a;
      border:1px solid #dbeafe;
      box-shadow:0 22px 54px rgba(15,23,42,.12);
    }

    .laq-hero-inner{
      display:grid;
      grid-template-columns:minmax(0,.98fr) minmax(330px,.82fr);
      min-height:438px;
    }

    .laq-hero-copy{
      padding:38px;
      background:
        radial-gradient(circle at 12% 18%,rgba(255,122,26,.32),transparent 32%),
        radial-gradient(circle at 86% 85%,rgba(59,130,246,.28),transparent 35%),
        linear-gradient(135deg,#081a33 0%,#0b1f3a 54%,#0b67ae 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .laq-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.15);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .laq-hero-copy h2{
      color:#fff;
      font-size:38px;
      max-width:720px;
    }

    .laq-hero-copy p{
      color:#eaf2ff;
      max-width:700px;
    }

    .laq-hero-copy a{
      color:#bfdbfe;
    }

    .laq-lede{
      font-size:18px;
      line-height:1.72;
    }

    .laq-hero-media{
      display:flex;
      flex-direction:column;
      background:#fff;
    }

    .laq-hero-media figure{
      margin:0;
      flex:1;
      display:flex;
      flex-direction:column;
    }

    .laq-hero-media img{
      display:block;
      width:100%;
      height:100%;
      min-height:340px;
      object-fit:cover;
      flex:1;
    }

    .laq-hero-media figcaption{
      margin:0;
      padding:13px 15px;
      color:#475569;
      background:#f8fafc;
      font-size:13px;
      line-height:1.45;
      border-top:1px solid #e2e8f0;
    }

    .laq-stat-rail{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:0;
      border-top:1px solid rgba(226,232,240,.28);
      background:#fff;
    }

    .laq-stat{
      padding:18px 20px;
      border-right:1px solid #e2e8f0;
      background:#fff;
    }

    .laq-stat:nth-child(2){
      background:#eff6ff;
    }

    .laq-stat:nth-child(3){
      background:#fff7ed;
    }

    .laq-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .laq-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .laq-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .laq-note{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .laq-note strong{
      color:#9a3412;
      font-weight:900;
    }

    .laq-section{
      margin:46px 0;
    }

    .laq-split{
      display:grid;
      grid-template-columns:minmax(0,1fr) 320px;
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .laq-side-card{
      position:sticky;
      top:18px;
      padding:22px;
      border-radius:24px;
      background:linear-gradient(135deg,#0b1f3a,#12335f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.18);
    }

    .laq-side-card h3{
      color:#fff;
    }

    .laq-side-card p,
    .laq-side-card li{
      color:#e2e8f0;
      font-size:15px;
      line-height:1.6;
    }

    .laq-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .laq-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .laq-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .laq-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .laq-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .laq-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .laq-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .laq-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .laq-card p:last-child{
      margin-bottom:0;
    }

    .laq-list,
    .laq-numbered{
      margin:0 0 20px;
      padding-left:22px;
    }

    .laq-list li,
    .laq-numbered li{
      margin:0 0 12px;
    }

    .laq-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .laq-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .laq-table th,
    .laq-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .laq-table th{
      background:#0b1f3a;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .laq-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .laq-table tr:last-child td{
      border-bottom:0;
    }

    .laq-video-band{
      margin:44px 0;
      display:grid;
      grid-template-columns:minmax(0,.8fr) minmax(340px,1.2fr);
      gap:24px;
      align-items:center;
      padding:26px;
      border-radius:30px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 100%);
      border:1px solid #dbeafe;
      box-shadow:0 18px 42px rgba(15,23,42,.065);
    }

    .laq-video-copy{
      padding:10px;
    }

    .laq-video-frame{
      position:relative;
      width:100%;
      padding-bottom:56.25%;
      border-radius:22px;
      overflow:hidden;
      background:#0b1f3a;
      box-shadow:0 16px 38px rgba(15,23,42,.16);
    }

    .laq-video-frame iframe{
      position:absolute;
      inset:0;
      width:100%;
      height:100%;
      border:0;
    }

    .laq-warning{
      margin:30px 0;
      padding:24px;
      border-radius:26px;
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border:1px solid #fed7aa;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .laq-flow{
      margin:28px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .laq-flow-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .laq-flow-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#eef6ff;
      color:#0b67ae;
      font-size:18px;
      font-weight:950;
    }

    .laq-flow-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .laq-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .laq-faq summary{
      cursor:pointer;
      color:#0b1f3a;
      font-weight:850;
      list-style:none;
    }

    .laq-faq summary::-webkit-details-marker{
      display:none;
    }

    .laq-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .laq-cta{
      margin:46px 0 36px;
      display:grid;
      grid-template-columns:minmax(0,.9fr) minmax(360px,1.1fr);
      gap:24px;
      align-items:stretch;
      padding:28px;
      border-radius:32px;
      background:
        radial-gradient(circle at 8% 12%,rgba(255,122,26,.18),transparent 32%),
        linear-gradient(135deg,#f8fafc,#fff);
      border:1px solid #dbeafe;
      box-shadow:0 20px 48px rgba(15,23,42,.08);
    }

    .laq-cta-copy{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#0b1f3a,#12335f);
      color:#fff;
    }

    .laq-cta-copy h2{
      color:#fff;
    }

    .laq-cta-copy p{
      color:#e2e8f0;
    }

    .laq-form-grid{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:14px;
    }

    .laq-field label{
      display:block;
      margin:0 0 6px;
      color:#0b1f3a;
      font-size:14px;
      line-height:1.35;
      font-weight:850;
    }

    .laq-field select,
    .laq-field input{
      width:100%;
      min-height:46px;
      border:1px solid #cbd5e1;
      border-radius:12px;
      background:#fff;
      color:#0f172a;
      padding:0 12px;
      font-size:15px;
      outline:none;
    }

    .laq-price-box{
      margin:16px 0 0;
      padding:20px;
      border-radius:20px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
    }

    .laq-price-box strong{
      display:block;
      color:#9a3412;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      margin-bottom:4px;
    }

    .laq-price-box span{
      display:block;
      color:#0b1f3a;
      font-size:34px;
      line-height:1.1;
      font-weight:950;
    }

    .laq-actions{
      display:flex;
      flex-wrap:wrap;
      gap:10px;
      margin-top:16px;
    }

    .laq-btn,
    .laq-link-btn{
      display:inline-flex;
      align-items:center;
      justify-content:center;
      min-height:46px;
      border:0;
      border-radius:12px;
      padding:0 18px;
      background:#ff7a1a;
      color:#fff!important;
      font-size:15px;
      font-weight:850;
      cursor:pointer;
      text-decoration:none!important;
      -webkit-text-fill-color:#fff;
    }

    .laq-link-btn{
      width:100%;
      background:#0b67ae;
    }

    .laq-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .laq-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .laq-refs h3{
      margin:0 0 12px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .laq-refs ol{
      margin:0;
      padding-left:20px;
    }

    .laq-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .laq-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .laq-author-main,
      .laq-hero-inner,
      .laq-stat-rail,
      .laq-split,
      .laq-grid-2,
      .laq-grid-3,
      .laq-video-band,
      .laq-flow,
      .laq-cta{
        grid-template-columns:1fr;
      }

      .laq-author-date{
        text-align:left;
        white-space:normal;
      }

      .laq-side-card{
        position:relative;
        top:auto;
      }

      .laq-stat{
        border-right:0;
        border-bottom:1px solid #e2e8f0;
      }

      .laq-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .laq-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .laq-page h2{
        font-size:28px;
      }

      .laq-hero-copy,
      .laq-video-band,
      .laq-cta,
      .laq-cta-copy{
        padding:22px;
      }

      .laq-hero-copy h2{
        font-size:31px;
      }

      .laq-form-grid{
        grid-template-columns:1fr;
      }
    }

/* Loya-sr-22-insurance */
 .loya-sr22-wrap,
    .loya-sr22-wrap *{
      box-sizing:border-box;
    }

    .loya-sr22-wrap{
      max-width:1160px;
      margin:0 auto;
      padding:0 24px 54px;
      color:#0f172a;
      font-family:inherit;
    }

    .loya-sr22-page{
      max-width:1160px;
      margin:0 auto;
      color:#0f172a;
      font-size:17px;
      line-height:1.72;
    }

    .loya-sr22-page p{
      margin:0 0 18px;
    }

    .loya-sr22-page h2{
      font-size:34px;
      line-height:1.15;
      margin:0 0 18px;
      color:#082044;
      font-weight:900;
      letter-spacing:-.02em;
    }

    .loya-sr22-page h3{
      font-size:23px;
      line-height:1.2;
      margin:0 0 12px;
      color:#082044;
      font-weight:850;
    }

    .loya-sr22-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
      font-weight:750;
    }

    .loya-author-card{
      margin:16px 0 26px;
      padding:18px 20px;
      border:1px solid #e2e8f0;
      border-radius:18px;
      background:#f8fafc;
      box-shadow:0 10px 30px rgba(15,23,42,.05);
    }

    .loya-author-top{
      display:flex;
      justify-content:space-between;
      gap:16px;
      align-items:flex-start;
      flex-wrap:wrap;
    }

    .loya-author-left{
      display:flex;
      gap:14px;
      align-items:flex-start;
      min-width:0;
      flex:1 1 auto;
    }

    .loya-author-icon{
      width:48px;
      height:48px;
      border-radius:999px;
      background:#082044;
      color:#fff;
      display:flex;
      align-items:center;
      justify-content:center;
      font-size:20px;
      flex:0 0 48px;
      box-shadow:0 10px 20px rgba(8,32,68,.18);
    }

    .loya-author-name{
      font-size:18px;
      font-weight:850;
      color:#082044;
      line-height:1.25;
      margin:0 0 4px;
    }

    .loya-author-role{
      font-size:14px;
      color:#64748b;
      margin:0 0 6px!important;
    }

    .loya-author-date{
      font-size:13px;
      color:#64748b;
      line-height:1.45;
      text-align:right;
      font-style:italic;
    }

    .loya-author-dropdown{
      margin-top:6px;
    }

    .loya-author-dropdown summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:6px;
      color:#0b67ae;
      font-size:13px;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .loya-author-dropdown summary::-webkit-details-marker{
      display:none;
    }

    .loya-author-dropdown summary::marker{
      content:"";
    }

    .loya-author-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .loya-author-dropdown[open] .loya-author-caret{
      transform:rotate(180deg);
    }

    .loya-author-dropdown-content{
      margin-top:10px;
      padding:12px 14px;
      border-radius:14px;
      background:#fff;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:14px;
      line-height:1.6;
      max-width:760px;
    }

    .loya-author-dropdown-content p{
      margin:0 0 10px!important;
    }

    .loya-author-dropdown-content p:last-child{
      margin-bottom:0!important;
    }

    .loya-independence-box{
      margin:0 0 28px;
      padding:18px 20px;
      border-radius:20px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(15,23,42,.05);
      font-size:15px;
      line-height:1.65;
    }

    .loya-independence-box strong{
      color:#431407;
    }

    .loya-intro-grid{
      display:grid;
      grid-template-columns:minmax(0,1.05fr) minmax(320px,.95fr);
      gap:30px;
      align-items:center;
      margin:0 0 36px;
    }

    .loya-eyebrow{
      display:inline-flex;
      align-items:center;
      padding:8px 14px;
      border-radius:999px;
      background:#eaf3ff;
      color:#0b67ae;
      font-size:13px;
      font-weight:850;
      letter-spacing:.03em;
      text-transform:uppercase;
      margin:0 0 18px;
    }

    .loya-page-title{
      display:block;
      font-size:clamp(34px,5vw,54px);
      line-height:1.04;
      letter-spacing:-.045em;
      color:#082044;
      font-weight:950;
      margin:0 0 18px!important;
    }

    .loya-intro-lead{
      font-size:18px;
      color:#334155;
      line-height:1.72;
    }

    .loya-image-card{
      background:#fff;
      border:1px solid #e5e7eb;
      border-radius:26px;
      padding:14px;
      box-shadow:0 18px 44px rgba(15,23,42,.08);
    }

    .loya-image-card img{
      display:block;
      width:100%;
      height:auto;
      border-radius:20px;
    }

    .loya-cards{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:20px;
      margin:0 0 38px;
    }

    .loya-card{
      background:#fff;
      border:1px solid #e5e7eb;
      border-radius:22px;
      padding:22px;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      height:100%;
    }

    .loya-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .loya-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .loya-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .loya-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .loya-card.gray{
      background:linear-gradient(135deg,#f8fafc,#fff);
      border-color:#e2e8f0;
    }

    .loya-card p:last-child{
      margin-bottom:0;
    }

    .loya-section{
      margin:42px 0;
    }

    .loya-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border:1px solid #e5e7eb;
      border-radius:22px;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .loya-table{
      width:100%;
      border-collapse:collapse;
      min-width:760px;
    }

    .loya-table th,
    .loya-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .loya-table th{
      background:#082044;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .loya-table tr:last-child td{
      border-bottom:0;
    }

    .loya-two-col{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:22px;
      margin:22px 0 0;
    }

    .loya-checklist,
    .loya-numbered{
      margin:0 0 20px;
      padding-left:22px;
    }

    .loya-checklist li,
    .loya-numbered li{
      margin:0 0 12px;
    }

    .loya-highlight{
      margin:26px 0;
      padding:22px 24px;
      border-radius:24px;
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border:1px solid #bfdbfe;
      box-shadow:0 14px 34px rgba(15,23,42,.05);
    }

    .loya-highlight strong{
      color:#082044;
    }

    .loya-soft-note{
      margin:38px 0 24px;
      padding:14px 16px;
      border-radius:14px;
      background:#f8fafc;
      border:1px solid #e5e7eb;
      color:#64748b;
      font-size:13px;
      line-height:1.55;
    }

    .loya-soft-note strong{
      color:#082044;
      font-weight:850;
    }

    .loya-cta{
      margin:42px auto 10px;
      max-width:760px;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 22px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      color:#fff;
    }

    .loya-cta-title{
      display:block;
      color:#fff!important;
      font-size:28px;
      line-height:1.1;
      font-weight:900;
      margin:0 0 8px;
      text-align:center;
    }

    .loya-cta-text{
      display:block;
      color:#e2e8f0!important;
      font-size:15px;
      line-height:1.55;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
    }

    .loya-cta-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .loya-cta-input{
      flex:0 1 180px;
      min-width:180px;
      max-width:180px;
      width:100%;
      height:46px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:12px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:46px;
      box-shadow:none;
      outline:none;
    }

    .loya-cta-btn{
      width:100%;
      height:46px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:12px;
      background:#dc2626;
      color:#fff!important;
      font-size:15px;
      line-height:1;
      font-weight:850;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#fff;
    }

    .loya-refs{
      margin-top:34px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .loya-refs h3{
      font-size:22px;
      margin-bottom:12px;
    }

    .loya-refs ol{
      margin:0;
      padding-left:20px;
    }

    .loya-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .loya-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .loya-sr22-wrap{
        padding:0 16px 48px;
      }

      .loya-intro-grid,
      .loya-cards,
      .loya-two-col{
        grid-template-columns:1fr;
      }

      .loya-author-date{
        text-align:left;
      }

      .loya-page-title{
        font-size:36px;
      }

      .loya-sr22-page h2{
        font-size:29px;
      }
    }

/* Loya-Insurance-Customer-Service */
.author-card{
        box-sizing:border-box;
        font-size:13px !important;
        line-height:1.55 !important;
        color:#000;
      }
      .author-card *{box-sizing:border-box;}
      .author-card, .author-card p, .author-card div, .author-card span,
      .author-card summary, .author-card details{
        font-size:13px !important;
        line-height:1.55 !important;
      }
      .author-card details .author-bio{display:none; margin-top:8px; color:#333;}
      .author-card details[open] .author-bio{display:block;}
      .author-card summary{
        cursor:pointer;
        font-weight:600;
        display:flex;
        align-items:center;
        gap:8px;
        width:100%;
      }
      .author-card summary::-webkit-details-marker{display:none;}
      .author-card summary::marker{content:"";}
      .author-card .caret{
        margin-left:auto;
        min-width:16px;
        text-align:right;
        display:inline-block;
        transition:transform .2s ease;
      }
      .author-card details[open] .caret{transform:rotate(180deg);}
      .author-date{
        font-size:12px !important;
        color:#777;
        font-style:italic;
        margin:0 0 10px;
        line-height:1.3;
        text-align:right;
      }
      .author-review{
        color:#666;
        font-size:12px !important;
      }

      .loya-service-info-card{
        margin:28px 0;
        padding:24px;
        border-radius:22px;
        background:#f8fafc;
        border:1px solid #e5e7eb;
        box-shadow:0 10px 24px rgba(15,23,42,.06);
        box-sizing:border-box;
      }

      .loya-service-info-card *{
        box-sizing:border-box;
      }

      .loya-service-info-card h3{
        margin:0 0 12px;
        font-size:22px;
        line-height:1.25;
        color:#0f172a;
      }

      .loya-service-info-card p{
        margin:0 0 14px;
        font-size:16px;
        line-height:1.6;
        color:#334155;
      }

      .loya-service-info-grid{
        display:grid;
        grid-template-columns:repeat(3, minmax(0, 1fr));
        gap:14px;
        margin-top:18px;
      }

      .loya-service-info-item{
        background:#ffffff;
        border:1px solid #e5e7eb;
        border-radius:16px;
        padding:16px;
      }

      .loya-service-info-label{
        display:block;
        font-size:13px;
        font-weight:800;
        color:#64748b;
        text-transform:uppercase;
        letter-spacing:.04em;
        margin-bottom:6px;
      }

      .loya-service-info-value{
        display:block;
        font-size:16px;
        font-weight:800;
        color:#111827;
        line-height:1.35;
      }

      @media(max-width:700px){
        .loya-service-info-card{
          padding:20px 16px;
          border-radius:18px;
        }

        .loya-service-info-card h3{
          font-size:20px;
        }

        .loya-service-info-card p{
          font-size:15px;
        }

        .loya-service-info-grid{
          grid-template-columns:1fr;
        }
      }

/* True Cost Driving without insurance */
.dui-page,
    .dui-page *{
      box-sizing:border-box;
    }

    .dui-page{
      max-width:1180px;
      margin:0 auto;
      padding:0 24px 58px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .dui-page p{
      margin:0 0 18px;
    }

    .dui-page h2{
      margin:0 0 16px;
      color:#0b1f3a;
      font-size:34px;
      line-height:1.14;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .dui-page h3{
      margin:0 0 11px;
      color:#0b1f3a;
      font-size:23px;
      line-height:1.22;
      font-weight:850;
    }

    .dui-page h4{
      margin:0 0 8px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .dui-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .dui-author{
      margin:18px 0 32px;
      border-radius:24px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
    }

    .dui-author-top{
      display:grid;
      grid-template-columns:72px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 52%,#fff7ed 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .dui-author img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .dui-badge{
      display:inline-flex;
      margin:0 0 7px;
      padding:6px 11px;
      border-radius:999px;
      background:#0b1f3a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .dui-author-name{
      margin:0;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .dui-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .dui-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .dui-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .dui-author details{
      margin:0;
    }

    .dui-author summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .dui-author summary::-webkit-details-marker{
      display:none;
    }

    .dui-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .dui-author details[open] .dui-caret{
      transform:rotate(180deg);
    }

    .dui-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:850px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .dui-author-panel p{
      margin:0 0 10px!important;
    }

    .dui-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .dui-cover{
      margin:0 0 38px;
      border-radius:34px;
      overflow:hidden;
      background:#0b1f3a;
      border:1px solid #dbeafe;
      box-shadow:0 22px 54px rgba(15,23,42,.12);
    }

    .dui-cover-media{
      position:relative;
      min-height:430px;
      display:flex;
      align-items:flex-end;
      justify-content:flex-start;
      background:
        linear-gradient(90deg,rgba(8,26,51,.88) 0%,rgba(8,26,51,.68) 42%,rgba(8,26,51,.12) 100%),
        url("https://loyainsurance.org/wp-content/uploads/2025/11/data-21.png") center center/cover no-repeat;
    }

    .dui-cover-card{
      width:min(650px,92%);
      margin:38px;
      padding:34px;
      border-radius:28px;
      background:rgba(255,255,255,.13);
      border:1px solid rgba(255,255,255,.28);
      backdrop-filter:blur(12px);
      -webkit-backdrop-filter:blur(12px);
      box-shadow:0 18px 46px rgba(0,0,0,.18);
      color:#fff;
    }

    .dui-eyebrow{
      display:inline-flex;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.16);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .dui-cover-card h2{
      color:#fff;
      font-size:39px;
      line-height:1.08;
    }

    .dui-cover-card p{
      color:#eaf2ff;
    }

    .dui-cover-card a{
      color:#bfdbfe;
    }

    .dui-lede{
      font-size:18px;
      line-height:1.72;
    }

    .dui-cover-caption{
      margin:0;
      padding:13px 18px;
      background:#f8fafc;
      color:#475569;
      font-size:13px;
      line-height:1.45;
      border-top:1px solid #e2e8f0;
    }

    .dui-snapshot{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:0;
      border-top:1px solid #e2e8f0;
      background:#fff;
    }

    .dui-snap{
      padding:18px 20px;
      border-right:1px solid #e2e8f0;
      background:#fff;
    }

    .dui-snap:nth-child(2){
      background:#eff6ff;
    }

    .dui-snap:nth-child(3){
      background:#fff7ed;
    }

    .dui-snap:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .dui-snap strong{
      display:block;
      margin:0 0 4px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .dui-snap span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .dui-note{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .dui-note strong{
      color:#9a3412;
      font-weight:900;
    }

    .dui-section{
      margin:46px 0;
    }

    .dui-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .dui-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .dui-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .dui-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .dui-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .dui-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .dui-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .dui-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .dui-card p:last-child{
      margin-bottom:0;
    }

    .dui-list,
    .dui-numbered{
      margin:0 0 20px;
      padding-left:22px;
    }

    .dui-list li,
    .dui-numbered li{
      margin:0 0 12px;
    }

    .dui-cost-ladder{
      margin:28px 0 0;
      display:grid;
      gap:14px;
    }

    .dui-ladder-row{
      display:grid;
      grid-template-columns:74px minmax(0,1fr);
      gap:16px;
      align-items:start;
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .dui-ladder-num{
      width:58px;
      height:58px;
      border-radius:19px;
      display:flex;
      align-items:center;
      justify-content:center;
      background:#eef6ff;
      color:#0b67ae;
      font-size:22px;
      font-weight:950;
    }

    .dui-ladder-row p{
      margin-bottom:0;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .dui-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .dui-table{
      width:100%;
      border-collapse:collapse;
      min-width:790px;
      background:#fff;
    }

    .dui-table th,
    .dui-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .dui-table th{
      background:#0b1f3a;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .dui-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .dui-table tr:last-child td{
      border-bottom:0;
    }

    .dui-side-by-side{
      display:grid;
      grid-template-columns:340px minmax(0,1fr);
      gap:26px;
      align-items:start;
      margin:46px 0;
    }

    .dui-side-panel{
      padding:24px;
      border-radius:28px;
      background:linear-gradient(135deg,#0b1f3a,#12335f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.20);
    }

    .dui-side-panel h2,
    .dui-side-panel h3{
      color:#fff;
    }

    .dui-side-panel p,
    .dui-side-panel li{
      color:#e2e8f0;
      font-size:15px;
      line-height:1.6;
    }

    .dui-video-band{
      margin:46px 0;
      display:grid;
      grid-template-columns:minmax(0,.82fr) minmax(350px,1.18fr);
      gap:24px;
      align-items:center;
      padding:26px;
      border-radius:30px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 100%);
      border:1px solid #dbeafe;
      box-shadow:0 18px 42px rgba(15,23,42,.065);
    }

    .dui-video-copy{
      padding:10px;
    }

    .dui-video-frame{
      position:relative;
      width:100%;
      padding-bottom:56.25%;
      border-radius:22px;
      overflow:hidden;
      background:#0b1f3a;
      box-shadow:0 16px 38px rgba(15,23,42,.16);
    }

    .dui-video-frame iframe{
      position:absolute;
      inset:0;
      width:100%;
      height:100%;
      border:0;
    }

    .dui-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .dui-faq summary{
      cursor:pointer;
      color:#0b1f3a;
      font-weight:850;
      list-style:none;
    }

    .dui-faq summary::-webkit-details-marker{
      display:none;
    }

    .dui-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .dui-cta{
      margin:46px 0 36px;
      display:grid;
      grid-template-columns:minmax(0,.9fr) minmax(360px,1.1fr);
      gap:24px;
      align-items:stretch;
      padding:28px;
      border-radius:32px;
      background:
        radial-gradient(circle at 8% 12%,rgba(255,122,26,.18),transparent 32%),
        linear-gradient(135deg,#f8fafc,#fff);
      border:1px solid #dbeafe;
      box-shadow:0 20px 48px rgba(15,23,42,.08);
    }

    .dui-cta-copy{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#0b1f3a,#12335f);
      color:#fff;
    }

    .dui-cta-copy h2{
      color:#fff;
    }

    .dui-cta-copy p{
      color:#e2e8f0;
    }

    .dui-form-grid{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:14px;
    }

    .dui-field label{
      display:block;
      margin:0 0 6px;
      color:#0b1f3a;
      font-size:14px;
      line-height:1.35;
      font-weight:850;
    }

    .dui-field select,
    .dui-field input{
      width:100%;
      min-height:46px;
      border:1px solid #cbd5e1;
      border-radius:12px;
      background:#fff;
      color:#0f172a;
      padding:0 12px;
      font-size:15px;
      outline:none;
    }

    .dui-price-box{
      margin:16px 0 0;
      padding:20px;
      border-radius:20px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
    }

    .dui-price-box strong{
      display:block;
      color:#9a3412;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      margin-bottom:4px;
    }

    .dui-price-box span{
      display:block;
      color:#0b1f3a;
      font-size:34px;
      line-height:1.1;
      font-weight:950;
    }

    .dui-actions{
      display:flex;
      flex-wrap:wrap;
      gap:10px;
      margin-top:16px;
    }

    .dui-btn,
    .dui-link-btn{
      display:inline-flex;
      align-items:center;
      justify-content:center;
      min-height:46px;
      border:0;
      border-radius:12px;
      padding:0 18px;
      background:#ff7a1a;
      color:#fff!important;
      font-size:15px;
      font-weight:850;
      cursor:pointer;
      text-decoration:none!important;
      -webkit-text-fill-color:#fff;
    }

    .dui-link-btn{
      width:100%;
      background:#0b67ae;
    }

    .dui-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .dui-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .dui-refs h3{
      margin:0 0 12px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .dui-refs ol{
      margin:0;
      padding-left:20px;
    }

    .dui-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .dui-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .dui-author-top,
      .dui-snapshot,
      .dui-grid-2,
      .dui-grid-3,
      .dui-side-by-side,
      .dui-video-band,
      .dui-cta{
        grid-template-columns:1fr;
      }

      .dui-author-date{
        text-align:left;
        white-space:normal;
      }

      .dui-cover-media{
        min-height:520px;
        align-items:flex-end;
      }

      .dui-snap{
        border-right:0;
        border-bottom:1px solid #e2e8f0;
      }

      .dui-snap:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .dui-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .dui-page h2{
        font-size:28px;
      }

      .dui-cover-card{
        margin:22px;
        padding:24px;
      }

      .dui-cover-card h2{
        font-size:31px;
      }

      .dui-ladder-row,
      .dui-form-grid{
        grid-template-columns:1fr;
      }

      .dui-video-band,
      .dui-cta,
      .dui-cta-copy{
        padding:22px;
      }
    }
/* Get Insured for less after dui */
.loya-dui-page,.loya-dui-page *{box-sizing:border-box}
    .loya-dui-page{
      max-width:1160px;
      margin:0 auto;
      color:#0f172a;
      font-size:17px;
      line-height:1.72;
    }
    .loya-dui-page p{margin:0 0 18px}
    .loya-dui-page h2{
      font-size:34px;
      line-height:1.15;
      margin:0 0 18px;
      color:#082044;
      font-weight:900;
      letter-spacing:-.02em;
    }
    .loya-dui-page h3{
      font-size:23px;
      line-height:1.2;
      margin:0 0 12px;
      color:#082044;
      font-weight:850;
    }
    .loya-dui-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }
    .loya-author-card{
      margin:16px 0 28px;
      padding:18px 20px;
      border:1px solid #e2e8f0;
      border-radius:18px;
      background:#f8fafc;
      box-shadow:0 10px 30px rgba(15,23,42,.05);
    }
    .loya-author-top{
      display:flex;
      justify-content:space-between;
      gap:16px;
      align-items:flex-start;
      flex-wrap:wrap;
    }
    .loya-author-left{
      display:flex;
      gap:14px;
      align-items:flex-start;
      min-width:0;
      flex:1 1 auto;
    }
    .loya-author-icon{
      width:48px;
      height:48px;
      border-radius:999px;
      background:#082044;
      color:#fff;
      display:flex;
      align-items:center;
      justify-content:center;
      font-size:20px;
      flex:0 0 48px;
      box-shadow:0 10px 20px rgba(8,32,68,.18);
    }
    .loya-author-name{
      font-size:18px;
      font-weight:850;
      color:#082044;
      line-height:1.25;
      margin:0 0 4px;
    }
    .loya-author-role{
      font-size:14px;
      color:#64748b;
      margin:0 0 6px!important;
    }
    .loya-author-date{
      font-size:13px;
      color:#64748b;
      line-height:1.45;
      text-align:right;
      font-style:italic;
    }
    .loya-author-dropdown{margin-top:6px}
    .loya-author-dropdown summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:6px;
      color:#0b67ae;
      font-size:13px;
      font-weight:850;
      list-style:none;
      user-select:none;
    }
    .loya-author-dropdown summary::-webkit-details-marker{display:none}
    .loya-author-dropdown summary::marker{content:""}
    .loya-author-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }
    .loya-author-dropdown[open] .loya-author-caret{transform:rotate(180deg)}
    .loya-author-dropdown-content{
      margin-top:10px;
      padding:12px 14px;
      border-radius:14px;
      background:#fff;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:14px;
      line-height:1.6;
      max-width:760px;
    }
    .loya-author-dropdown-content p{margin:0 0 10px!important}
    .loya-author-dropdown-content p:last-child{margin-bottom:0!important}
    .loya-intro-grid{
      display:grid;
      grid-template-columns:minmax(0,1.05fr) minmax(320px,.95fr);
      gap:30px;
      align-items:center;
      margin:0 0 36px;
    }
    .loya-eyebrow{
      display:inline-flex;
      align-items:center;
      padding:8px 14px;
      border-radius:999px;
      background:#eaf3ff;
      color:#0b67ae;
      font-size:13px;
      font-weight:850;
      letter-spacing:.03em;
      text-transform:uppercase;
      margin:0 0 18px;
    }
    .loya-image-card{
      background:#fff;
      border:1px solid #e5e7eb;
      border-radius:26px;
      padding:14px;
      box-shadow:0 18px 44px rgba(15,23,42,.08);
    }
    .loya-image-card img{
      display:block;
      width:100%;
      height:auto;
      border-radius:20px;
    }
    .loya-image-small{
      max-width:560px;
      margin:28px auto 36px;
      padding:14px;
      background:#fff;
      border:1px solid #e5e7eb;
      border-radius:26px;
      box-shadow:0 18px 44px rgba(15,23,42,.08);
    }
    .loya-image-small img{
      display:block;
      width:100%;
      max-width:560px;
      height:auto;
      border-radius:20px;
    }
    .loya-cards{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:20px;
      margin:0 0 38px;
    }
    .loya-card{
      background:#fff;
      border:1px solid #e5e7eb;
      border-radius:22px;
      padding:22px;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      height:100%;
    }
    .loya-card.blue{background:linear-gradient(135deg,#eff6ff,#fff);border-color:#bfdbfe}
    .loya-card.green{background:linear-gradient(135deg,#ecfdf5,#fff);border-color:#bbf7d0}
    .loya-card.orange{background:linear-gradient(135deg,#fff7ed,#fff);border-color:#fed7aa}
    .loya-card.purple{background:linear-gradient(135deg,#f5f3ff,#fff);border-color:#ddd6fe}
    .loya-card.red{background:linear-gradient(135deg,#fef2f2,#fff);border-color:#fecaca}
    .loya-card p:last-child{margin-bottom:0}
    .loya-section{margin:42px 0}
    .loya-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border:1px solid #e5e7eb;
      border-radius:22px;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }
    .loya-table{
      width:100%;
      border-collapse:collapse;
      min-width:760px;
    }
    .loya-table th,
    .loya-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }
    .loya-table th{
      background:#082044;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }
    .loya-table tr:last-child td{border-bottom:0}
    .loya-two-col{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:22px;
      margin:22px 0 0;
    }
    .loya-checklist,
    .loya-numbered{
      margin:0 0 20px;
      padding-left:22px;
    }
    .loya-checklist li,
    .loya-numbered li{margin:0 0 12px}
    .loya-soft-note{
      margin:38px 0 24px;
      padding:13px 16px;
      border-radius:14px;
      background:#f8fafc;
      border:1px solid #e5e7eb;
      color:#64748b;
      font-size:13px;
      line-height:1.55;
    }
    .loya-soft-note strong{
      color:#082044;
      font-weight:850;
    }
    .loya-cta{
      margin:42px auto 10px;
      max-width:760px;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 22px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      color:#fff;
    }
    .loya-cta-title{
      display:block;
      color:#fff!important;
      font-size:28px;
      line-height:1.1;
      font-weight:900;
      margin:0 0 8px;
      text-align:center;
    }
    .loya-cta-text{
      display:block;
      color:#e2e8f0!important;
      font-size:15px;
      line-height:1.55;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
    }
    .loya-cta-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }
    .loya-cta-input{
      flex:0 1 180px;
      min-width:180px;
      max-width:180px;
      width:100%;
      height:46px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:12px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:46px;
      box-shadow:none;
      outline:none;
    }
    .loya-cta-btn{
      width:100%;
      height:46px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:12px;
      background:#ff7a1a;
      color:#fff!important;
      font-size:15px;
      line-height:1;
      font-weight:850;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#fff;
    }
    .loya-refs{
      margin-top:34px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }
    .loya-refs h3{
      font-size:22px;
      margin-bottom:12px;
    }
    .loya-refs ol{
      margin:0;
      padding-left:20px;
    }
    .loya-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }
    .loya-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }
    @media(max-width:980px){
      .loya-intro-grid,
      .loya-cards,
      .loya-two-col{grid-template-columns:1fr}
      .loya-author-date{text-align:left}
    }

/* compare-high-risk-auto-insurance-quotes-effectively */
.hrcompare-page,.hrcompare-page *{box-sizing:border-box}
    .hrcompare-page{max-width:1120px;margin:0 auto;padding:0 24px 60px;color:#172033;font-size:17px;line-height:1.72}
    .hrcompare-page p{margin:0 0 18px}
    .hrcompare-page a{color:#b45309;text-decoration:underline;text-underline-offset:3px}
    .hrcompare-page h2{margin:0 0 16px;color:#0f172a;font-size:32px;line-height:1.18;font-weight:900;letter-spacing:-.025em}
    .hrcompare-page h3{margin:0 0 10px;color:#111827;font-size:22px;line-height:1.25;font-weight:850}
    .hrcompare-page h4{margin:0 0 8px;color:#111827;font-size:18px;line-height:1.25;font-weight:850}

    .hrcompare-author-card{margin:18px 0 30px;border-radius:22px;background:#fff;border:1px solid #e5e7eb;box-shadow:0 14px 34px rgba(15,23,42,.06);overflow:hidden}
    .hrcompare-author-top{display:grid;grid-template-columns:64px minmax(0,1fr) auto;gap:16px;align-items:center;padding:18px 20px;background:linear-gradient(135deg,#fff7ed 0%,#ffffff 48%,#eff6ff 100%);border-bottom:1px solid #e5e7eb}
    .hrcompare-author-top img{width:58px;height:58px;border-radius:999px;object-fit:cover;border:2px solid #fff;box-shadow:0 10px 24px rgba(15,23,42,.12)}
    .hrcompare-author-label{display:inline-flex;margin:0 0 8px;padding:6px 11px;border-radius:999px;background:#b45309;color:#fff;font-size:12px;line-height:1;font-weight:900;letter-spacing:.04em;text-transform:uppercase}
    .hrcompare-author-name{margin:0;color:#0f172a;font-size:18px;line-height:1.25;font-weight:900}
    .hrcompare-author-role{margin:4px 0 0!important;color:#64748b;font-size:13px;line-height:1.45;font-weight:650}
    .hrcompare-author-date{color:#64748b;font-size:13px;line-height:1.45;font-style:italic;text-align:right;white-space:nowrap}
    .hrcompare-author-body{padding:15px 20px 17px;background:#fff}
    .hrcompare-author-body details{margin:0}
    .hrcompare-author-body summary{cursor:pointer;display:inline-flex;align-items:center;gap:8px;color:#b45309;font-size:13px;line-height:1.3;font-weight:850;list-style:none;user-select:none}
    .hrcompare-author-body summary::-webkit-details-marker{display:none}
    .hrcompare-caret{display:inline-block;transition:transform .2s ease;font-size:12px;line-height:1}
    .hrcompare-author-body details[open] .hrcompare-caret{transform:rotate(180deg)}
    .hrcompare-author-panel{margin-top:12px;padding:14px 16px;max-width:850px;border-radius:16px;border:1px solid #e2e8f0;background:linear-gradient(135deg,#f8fafc,#ffffff);color:#475569;font-size:14px;line-height:1.65}
    .hrcompare-author-panel p{margin:0 0 10px!important}
    .hrcompare-author-tags{display:flex;flex-wrap:wrap;gap:7px;margin:0 0 12px;padding:0;list-style:none}
    .hrcompare-author-tags li{padding:5px 10px;border-radius:999px;background:#fff7ed;border:1px solid #fed7aa;color:#9a3412;font-size:12px;line-height:1;font-weight:800}

    .hrcompare-hero{margin:0 0 34px;border-radius:34px;overflow:hidden;background:#111827;border:1px solid #fed7aa;box-shadow:0 24px 60px rgba(15,23,42,.13)}
    .hrcompare-hero-grid{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(330px,.95fr);min-height:520px}
    .hrcompare-hero-copy{padding:46px;background:radial-gradient(circle at 18% 18%,rgba(251,146,60,.25),transparent 34%),radial-gradient(circle at 86% 84%,rgba(59,130,246,.20),transparent 38%),linear-gradient(135deg,#111827 0%,#1f2937 55%,#7c2d12 100%);color:#fff;display:flex;flex-direction:column;justify-content:center}
    .hrcompare-eyebrow{display:inline-flex;width:max-content;margin:0 0 17px;padding:8px 14px;border-radius:999px;background:rgba(255,255,255,.14);color:#fff;font-size:13px;line-height:1;font-weight:900;letter-spacing:.04em;text-transform:uppercase}
    .hrcompare-hero-copy h2{color:#fff;font-size:42px;max-width:760px}
    .hrcompare-hero-copy p{color:#f8fafc;max-width:760px}
    .hrcompare-hero-copy a{color:#fed7aa}
    .hrcompare-lede{font-size:18px;line-height:1.75}
    .hrcompare-hero-media{position:relative;min-height:520px;background:#111827}
    .hrcompare-hero-media img{width:100%;height:100%;min-height:520px;display:block;object-fit:cover}
    .hrcompare-hero-media:after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(15,23,42,.02),rgba(15,23,42,.50));pointer-events:none}
    .hrcompare-hero-note{position:absolute;left:18px;right:18px;bottom:18px;z-index:2;padding:16px 18px;border-radius:20px;background:rgba(255,255,255,.94);color:#334155;font-size:13px;line-height:1.45;box-shadow:0 14px 32px rgba(15,23,42,.18);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px)}
    .hrcompare-hero-note strong{display:block;color:#0f172a;font-size:15px;margin-bottom:5px}

    .hrcompare-stat-strip{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));background:#fff;border-top:1px solid rgba(226,232,240,.35)}
    .hrcompare-stat{padding:18px 20px;border-right:1px solid #e5e7eb;background:#fff}
    .hrcompare-stat:nth-child(2){background:#eff6ff}
    .hrcompare-stat:nth-child(3){background:#fff7ed}
    .hrcompare-stat:nth-child(4){background:#ecfdf5;border-right:0}
    .hrcompare-stat strong{display:block;margin:0 0 4px;color:#0f172a;font-size:18px;line-height:1.2;font-weight:950}
    .hrcompare-stat span{display:block;color:#475569;font-size:14px;line-height:1.5}

    .hrcompare-alert{margin:0 0 38px;padding:20px 22px;border-radius:22px;background:#fff7ed;border:1px solid #fed7aa;color:#7c2d12;box-shadow:0 12px 30px rgba(124,45,18,.055)}
    .hrcompare-alert strong{color:#9a3412;font-weight:900}
    .hrcompare-section{margin:46px 0}
    .hrcompare-section.narrow{max-width:930px;margin-left:auto;margin-right:auto}
    .hrcompare-grid-2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px;margin:24px 0 0}
    .hrcompare-grid-3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;margin:24px 0 0}
    .hrcompare-card{height:100%;padding:22px;border-radius:22px;border:1px solid #e5e7eb;background:#fff;box-shadow:0 14px 34px rgba(15,23,42,.055)}
    .hrcompare-card.blue{background:linear-gradient(135deg,#eff6ff,#ffffff);border-color:#bfdbfe}
    .hrcompare-card.green{background:linear-gradient(135deg,#ecfdf5,#ffffff);border-color:#bbf7d0}
    .hrcompare-card.orange{background:linear-gradient(135deg,#fff7ed,#ffffff);border-color:#fed7aa}
    .hrcompare-card.purple{background:linear-gradient(135deg,#faf5ff,#ffffff);border-color:#e9d5ff}
    .hrcompare-card.red{background:linear-gradient(135deg,#fef2f2,#ffffff);border-color:#fecaca}
    .hrcompare-card.gray{background:linear-gradient(135deg,#f8fafc,#ffffff);border-color:#e2e8f0}
    .hrcompare-card p:last-child{margin-bottom:0}
    .hrcompare-list{margin:0 0 20px;padding-left:22px}
    .hrcompare-list li{margin:0 0 12px}

    .hrcompare-split{display:grid;grid-template-columns:minmax(0,1fr) minmax(280px,360px);gap:26px;align-items:start;margin:26px 0 0}
    .hrcompare-split.reverse{grid-template-columns:minmax(280px,360px) minmax(0,1fr)}
    .hrcompare-side-card{padding:24px;border-radius:24px;background:linear-gradient(135deg,#7c2d12,#111827);color:#fff;box-shadow:0 18px 42px rgba(124,45,18,.18)}
    .hrcompare-side-card h3{color:#fff}
    .hrcompare-side-card p,.hrcompare-side-card li{color:#e5e7eb;font-size:15px;line-height:1.6}

    .hrcompare-table-wrap{margin:24px 0 30px;overflow-x:auto;border-radius:22px;border:1px solid #e5e7eb;background:#fff;box-shadow:0 16px 36px rgba(15,23,42,.05)}
    .hrcompare-table{width:100%;border-collapse:collapse;min-width:780px;background:#fff}
    .hrcompare-table th,.hrcompare-table td{padding:16px 18px;text-align:left;vertical-align:top;border-bottom:1px solid #e5e7eb;font-size:15px;line-height:1.55}
    .hrcompare-table th{background:#111827;color:#fff;font-size:14px;text-transform:uppercase;letter-spacing:.04em;font-weight:850}
    .hrcompare-table tbody tr:nth-child(even) td{background:#f8fafc}
    .hrcompare-table tr:last-child td{border-bottom:0}

    .hrcompare-steps{margin:24px 0 0;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px}
    .hrcompare-step{padding:18px;border-radius:22px;background:#fff;border:1px solid #e5e7eb;box-shadow:0 12px 30px rgba(15,23,42,.045)}
    .hrcompare-step span{width:40px;height:40px;display:flex;align-items:center;justify-content:center;margin:0 0 12px;border-radius:14px;background:#fff7ed;color:#c2410c;font-size:18px;font-weight:950}
    .hrcompare-step p{color:#475569;font-size:15px;line-height:1.6;margin-bottom:0}
    .hrcompare-callout{margin:42px 0;padding:26px;border-radius:28px;background:linear-gradient(135deg,#ecfdf5,#ffffff);border:1px solid #bbf7d0;box-shadow:0 16px 36px rgba(15,23,42,.055)}
    .hrcompare-callout h2{font-size:28px;margin-bottom:12px}
    .hrcompare-faq details{margin:0 0 12px;padding:17px 19px;border-radius:16px;background:#fff;border:1px solid #e5e7eb;box-shadow:0 10px 26px rgba(15,23,42,.04)}
    .hrcompare-faq summary{cursor:pointer;color:#0f172a;font-weight:850;list-style:none}
    .hrcompare-faq summary::-webkit-details-marker{display:none}
    .hrcompare-faq p{margin:12px 0 0!important;color:#475569;font-size:15px;line-height:1.6}

    .hrcompare-final-quote{margin:46px auto 36px;width:100%;display:flex;justify-content:center}
    .hrcompare-final-quote-inner{max-width:800px;width:100%;background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);border-radius:22px;padding:22px 24px 20px;box-shadow:0 16px 38px rgba(10,20,40,.20);border:1px solid rgba(255,255,255,.08)}
    .hrcompare-final-title{display:block;color:#ffffff!important;font-size:24px;line-height:1.15;font-weight:900;margin:0 0 7px;text-align:center;-webkit-text-fill-color:#ffffff}
    .hrcompare-final-subtitle{display:block;color:#e2e8f0!important;font-size:14px;line-height:1.5;font-weight:500;margin:0 0 14px;text-align:center;-webkit-text-fill-color:#e2e8f0}
    .hrcompare-final-form{display:flex;gap:10px;align-items:center;justify-content:center;flex-wrap:wrap;margin:0;padding:0;width:100%}
    .hrcompare-form-col{flex:1 1 180px;min-width:160px;max-width:200px;margin:0;padding:0}
    .hrcompare-form-col.button-col{flex:0 0 160px;min-width:160px}
    .hrcompare-final-form input,.hrcompare-final-form select{width:100%;height:44px;display:block;box-sizing:border-box;margin:0;padding:0 12px;border:none;border-radius:10px;background:#f3f4f6;color:#24324a;font-size:15px;line-height:44px;box-shadow:none;outline:none}
    .hrcompare-final-form button{width:100%;height:44px;display:inline-flex;align-items:center;justify-content:center;box-sizing:border-box;border:none;border-radius:10px;background:#dc2626;color:#ffffff!important;font-size:15px;line-height:1;font-weight:800;text-align:center;padding:0 18px;cursor:pointer;-webkit-text-fill-color:#ffffff}
    .hrcompare-editorial{margin:34px 0;padding:18px 20px;border-radius:20px;background:#f8fafc;border:1px solid #e2e8f0;color:#475569;font-size:15px;line-height:1.65}
    .hrcompare-refs{margin-top:36px;padding-top:24px;border-top:1px solid #e5e7eb}
    .hrcompare-refs h3{margin:0 0 12px;color:#0f172a;font-size:22px;line-height:1.2;font-weight:900}
    .hrcompare-refs ol{margin:0;padding-left:20px}
    .hrcompare-refs li{margin:0 0 10px;color:#334155;font-size:15px;line-height:1.6}
    .hrcompare-ref-back{margin-left:6px;white-space:nowrap;text-decoration:none!important;font-weight:850}

    @media(max-width:980px){
      .hrcompare-author-top,.hrcompare-hero-grid,.hrcompare-stat-strip,.hrcompare-grid-2,.hrcompare-grid-3,.hrcompare-split,.hrcompare-split.reverse,.hrcompare-steps{grid-template-columns:1fr}
      .hrcompare-author-date{text-align:left;white-space:normal}
      .hrcompare-stat{border-right:0;border-bottom:1px solid #e5e7eb}
      .hrcompare-stat:last-child{border-bottom:0}
    }
    @media(max-width:640px){
      .hrcompare-page{padding:0 18px 44px;font-size:16px}
      .hrcompare-page h2{font-size:28px}
      .hrcompare-hero-copy{padding:24px}
      .hrcompare-hero-copy h2{font-size:31px}
      .hrcompare-form-col,.hrcompare-form-col.button-col{flex:1 1 100%;max-width:none}
    }

/* switching-high-risk-auto-insurance-providers-guide */
.hrswitch2-page,
    .hrswitch2-page *{
      box-sizing:border-box;
    }

    .hrswitch2-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 60px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .hrswitch2-page p{
      margin:0 0 18px;
    }

    .hrswitch2-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
    }

    .hrswitch2-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .hrswitch2-page h3{
      margin:0 0 10px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .hrswitch2-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .hrswitch2-author-card{
      margin:18px 0 30px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .hrswitch2-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#fff7ed 0%,#ffffff 50%,#eff6ff 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .hrswitch2-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .hrswitch2-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#b45309;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .hrswitch2-author-name{
      margin:0;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .hrswitch2-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .hrswitch2-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .hrswitch2-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .hrswitch2-author-body details{
      margin:0;
    }

    .hrswitch2-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#b45309;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .hrswitch2-author-body summary::-webkit-details-marker{
      display:none;
    }

    .hrswitch2-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .hrswitch2-author-body details[open] .hrswitch2-caret{
      transform:rotate(180deg);
    }

    .hrswitch2-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .hrswitch2-author-panel p{
      margin:0 0 10px!important;
    }

    .hrswitch2-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .hrswitch2-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#9a3412;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .hrswitch2-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#111827;
      border:1px solid #fed7aa;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .hrswitch2-hero-grid{
      display:grid;
      grid-template-columns:minmax(330px,.95fr) minmax(0,1.05fr);
      min-height:520px;
    }

    .hrswitch2-hero-media{
      position:relative;
      min-height:520px;
      background:#111827;
    }

    .hrswitch2-hero-media img{
      width:100%;
      height:100%;
      min-height:520px;
      display:block;
      object-fit:cover;
    }

    .hrswitch2-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(180deg,rgba(15,23,42,.02),rgba(15,23,42,.52));
      pointer-events:none;
    }

    .hrswitch2-hero-note{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.94);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 14px 32px rgba(15,23,42,.18);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .hrswitch2-hero-note strong{
      display:block;
      color:#0f172a;
      font-size:15px;
      margin-bottom:5px;
    }

    .hrswitch2-hero-copy{
      padding:46px;
      background:
        radial-gradient(circle at 84% 18%,rgba(251,146,60,.25),transparent 34%),
        radial-gradient(circle at 14% 86%,rgba(59,130,246,.22),transparent 38%),
        linear-gradient(135deg,#111827 0%,#1f2937 54%,#7c2d12 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .hrswitch2-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .hrswitch2-hero-copy h2{
      color:#fff;
      font-size:42px;
      max-width:760px;
    }

    .hrswitch2-hero-copy p{
      color:#f8fafc;
      max-width:760px;
    }

    .hrswitch2-hero-copy a{
      color:#fed7aa;
    }

    .hrswitch2-lede{
      font-size:18px;
      line-height:1.75;
    }

    .hrswitch2-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .hrswitch2-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .hrswitch2-stat:nth-child(2){
      background:#eff6ff;
    }

    .hrswitch2-stat:nth-child(3){
      background:#fff7ed;
    }

    .hrswitch2-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .hrswitch2-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .hrswitch2-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .hrswitch2-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .hrswitch2-alert strong{
      color:#9a3412;
      font-weight:900;
    }

    .hrswitch2-section{
      margin:46px 0;
    }

    .hrswitch2-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .hrswitch2-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .hrswitch2-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .hrswitch2-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .hrswitch2-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .hrswitch2-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .hrswitch2-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .hrswitch2-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .hrswitch2-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .hrswitch2-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .hrswitch2-card p:last-child{
      margin-bottom:0;
    }

    .hrswitch2-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .hrswitch2-list li{
      margin:0 0 12px;
    }

    .hrswitch2-split{
      display:grid;
      grid-template-columns:minmax(0,1fr) minmax(280px,360px);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .hrswitch2-split.reverse{
      grid-template-columns:minmax(280px,360px) minmax(0,1fr);
    }

    .hrswitch2-side-card{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#7c2d12,#111827);
      color:#fff;
      box-shadow:0 18px 42px rgba(124,45,18,.18);
    }

    .hrswitch2-side-card h3{
      color:#fff;
    }

    .hrswitch2-side-card p,
    .hrswitch2-side-card li{
      color:#e5e7eb;
      font-size:15px;
      line-height:1.6;
    }

    .hrswitch2-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .hrswitch2-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .hrswitch2-table th,
    .hrswitch2-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .hrswitch2-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .hrswitch2-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .hrswitch2-table tr:last-child td{
      border-bottom:0;
    }

    .hrswitch2-steps{
      margin:24px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .hrswitch2-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .hrswitch2-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#fff7ed;
      color:#c2410c;
      font-size:18px;
      font-weight:950;
    }

    .hrswitch2-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .hrswitch2-callout{
      margin:42px 0;
      padding:26px;
      border-radius:28px;
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border:1px solid #bbf7d0;
      box-shadow:0 16px 36px rgba(15,23,42,.055);
    }

    .hrswitch2-callout h2{
      font-size:28px;
      margin-bottom:12px;
    }

    .hrswitch2-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .hrswitch2-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .hrswitch2-faq summary::-webkit-details-marker{
      display:none;
    }

    .hrswitch2-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .hrswitch2-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .hrswitch2-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .hrswitch2-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .hrswitch2-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .hrswitch2-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .hrswitch2-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .hrswitch2-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .hrswitch2-final-form input,
    .hrswitch2-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .hrswitch2-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .hrswitch2-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .hrswitch2-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .hrswitch2-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .hrswitch2-refs ol{
      margin:0;
      padding-left:20px;
    }

    .hrswitch2-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .hrswitch2-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .hrswitch2-author-top,
      .hrswitch2-hero-grid,
      .hrswitch2-stat-strip,
      .hrswitch2-grid-2,
      .hrswitch2-grid-3,
      .hrswitch2-split,
      .hrswitch2-split.reverse,
      .hrswitch2-steps{
        grid-template-columns:1fr;
      }

      .hrswitch2-author-date{
        text-align:left;
        white-space:normal;
      }

      .hrswitch2-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .hrswitch2-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .hrswitch2-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .hrswitch2-page h2{
        font-size:28px;
      }

      .hrswitch2-hero-copy{
        padding:24px;
      }

      .hrswitch2-hero-copy h2{
        font-size:31px;
      }

      .hrswitch2-form-col,
      .hrswitch2-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }

/* affordable-car-insurance-in-las-vegas */
.loya-vegas-page,
    .loya-vegas-page *{
      box-sizing:border-box;
    }

    .loya-vegas-page{
      max-width:1180px;
      margin:0 auto;
      padding:0 24px 52px;
      color:#0f172a;
      font-size:17px;
      line-height:1.72;
    }

    .loya-vegas-page p{
      margin:0 0 18px;
    }

    .loya-vegas-page h2{
      margin:0 0 18px;
      color:#082044;
      font-size:34px;
      line-height:1.14;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .loya-vegas-page h3{
      margin:0 0 12px;
      color:#082044;
      font-size:23px;
      line-height:1.22;
      font-weight:850;
    }

    .loya-vegas-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .loya-vegas-author{
      margin:18px 0 30px;
      border-radius:24px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 16px 38px rgba(15,23,42,.07);
    }

    .loya-vegas-author-head{
      display:grid;
      grid-template-columns:minmax(0,1fr) auto;
      gap:18px;
      align-items:flex-start;
      padding:18px 20px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .loya-vegas-badge{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#082044;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .loya-vegas-author-name{
      margin:0 0 4px;
      color:#082044;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .loya-vegas-author-role{
      margin:0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .loya-vegas-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
      padding-top:4px;
    }

    .loya-vegas-author-body{
      padding:16px 20px 18px;
      background:#fff;
    }

    .loya-vegas-author details{
      margin:0;
    }

    .loya-vegas-author summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:7px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .loya-vegas-author summary::-webkit-details-marker{
      display:none;
    }

    .loya-vegas-author summary::marker{
      content:"";
    }

    .loya-vegas-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .loya-vegas-author details[open] .loya-vegas-caret{
      transform:rotate(180deg);
    }

    .loya-vegas-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:820px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .loya-vegas-author-panel p{
      margin:0 0 10px!important;
    }

    .loya-vegas-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .loya-vegas-hero{
      display:grid;
      grid-template-columns:minmax(0,1.03fr) minmax(320px,.97fr);
      gap:28px;
      align-items:stretch;
      margin:0 0 38px;
    }

    .loya-vegas-hero-copy{
      padding:30px;
      border-radius:30px;
      background:linear-gradient(135deg,#1e1b4b 0%,#082044 54%,#0b67ae 100%);
      color:#fff;
      box-shadow:0 18px 44px rgba(8,32,68,.22);
    }

    .loya-vegas-eyebrow{
      display:inline-flex;
      align-items:center;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .loya-vegas-hero-copy h2{
      color:#fff;
    }

    .loya-vegas-hero-copy p{
      color:#eaf2ff;
    }

    .loya-vegas-hero-copy a{
      color:#bfdbfe;
    }

    .loya-vegas-lede{
      font-size:18px;
      line-height:1.72;
    }

    .loya-vegas-figure{
      margin:0;
      border-radius:28px;
      overflow:hidden;
      border:1px solid #e2e8f0;
      background:#fff;
      box-shadow:0 18px 42px rgba(15,23,42,.075);
      height:100%;
    }

    .loya-vegas-figure img{
      display:block;
      width:100%;
      height:100%;
      min-height:390px;
      object-fit:cover;
    }

    .loya-vegas-figure figcaption{
      margin:0;
      padding:12px 14px;
      color:#475569;
      background:#f8fafc;
      font-size:13px;
      line-height:1.45;
    }

    .loya-vegas-pill-row{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:16px;
      margin:0 0 40px;
    }

    .loya-vegas-pill{
      padding:18px;
      border-radius:20px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 12px 30px rgba(15,23,42,.055);
    }

    .loya-vegas-pill strong{
      display:block;
      margin:0 0 6px;
      color:#082044;
      font-size:18px;
      line-height:1.2;
      font-weight:900;
    }

    .loya-vegas-pill span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.55;
    }

    .loya-vegas-pill.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .loya-vegas-pill.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .loya-vegas-pill.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .loya-vegas-pill.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .loya-vegas-section{
      margin:44px 0;
    }

    .loya-vegas-note{
      margin:24px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .loya-vegas-note strong{
      color:#9a3412;
      font-weight:900;
    }

    .loya-vegas-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:22px;
      margin:24px 0 0;
    }

    .loya-vegas-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .loya-vegas-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .loya-vegas-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .loya-vegas-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .loya-vegas-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .loya-vegas-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .loya-vegas-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .loya-vegas-card p:last-child{
      margin-bottom:0;
    }

    .loya-vegas-list,
    .loya-vegas-numbered{
      margin:0 0 20px;
      padding-left:22px;
    }

    .loya-vegas-list li,
    .loya-vegas-numbered li{
      margin:0 0 12px;
    }

    .loya-vegas-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .loya-vegas-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .loya-vegas-table th,
    .loya-vegas-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .loya-vegas-table th{
      background:#082044;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .loya-vegas-table td{
      background:#fff;
      color:#0f172a;
    }

    .loya-vegas-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .loya-vegas-table tr:last-child td{
      border-bottom:0;
    }

    .loya-vegas-dark{
      margin:44px 0;
      padding:28px;
      border-radius:30px;
      background:linear-gradient(135deg,#082044,#13213f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.22);
    }

    .loya-vegas-dark h2,
    .loya-vegas-dark h3{
      color:#fff;
    }

    .loya-vegas-dark p,
    .loya-vegas-dark li{
      color:#e2e8f0;
    }

    .loya-vegas-dark a{
      color:#bfdbfe;
    }

    .loya-vegas-dark .loya-vegas-card{
      background:rgba(255,255,255,.10);
      border-color:rgba(255,255,255,.22);
      box-shadow:none;
    }

    .loya-vegas-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .loya-vegas-faq summary{
      cursor:pointer;
      color:#082044;
      font-weight:850;
      list-style:none;
    }

    .loya-vegas-faq summary::-webkit-details-marker{
      display:none;
    }

    .loya-vegas-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .loya-vegas-cta{
      margin:44px auto 12px;
      max-width:820px;
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#111827 0%,#082044 100%);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.24);
      text-align:center;
    }

    .loya-vegas-cta-title{
      display:block;
      margin:0 0 8px;
      color:#fff!important;
      font-size:29px;
      line-height:1.12;
      font-weight:950;
      letter-spacing:-.02em;
    }

    .loya-vegas-cta-text{
      display:block;
      margin:0 0 15px;
      color:#e2e8f0!important;
      font-size:15px;
      line-height:1.55;
    }

    .loya-vegas-cta-form{
      display:flex;
      justify-content:center;
      align-items:center;
      flex-wrap:wrap;
      gap:10px;
      margin:0;
      padding:0;
    }

    .loya-vegas-cta-input{
      width:180px;
      height:46px;
      border:0;
      border-radius:12px;
      background:#f8fafc;
      color:#0f172a;
      padding:0 13px;
      font-size:15px;
      outline:none;
    }

    .loya-vegas-cta-btn{
      height:46px;
      border:0;
      border-radius:12px;
      background:#ff7a1a;
      color:#fff!important;
      font-size:15px;
      font-weight:850;
      padding:0 20px;
      cursor:pointer;
      -webkit-text-fill-color:#fff;
    }

    .loya-vegas-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .loya-vegas-refs h3{
      margin:0 0 12px;
      color:#082044;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .loya-vegas-refs ol{
      margin:0;
      padding-left:20px;
    }

    .loya-vegas-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .loya-vegas-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .loya-vegas-author-head,
      .loya-vegas-hero,
      .loya-vegas-pill-row,
      .loya-vegas-grid-2,
      .loya-vegas-grid-3{
        grid-template-columns:1fr;
      }

      .loya-vegas-author-date{
        text-align:left;
        white-space:normal;
        padding-top:0;
      }

      .loya-vegas-figure img{
        min-height:280px;
      }
    }

    @media(max-width:640px){
      .loya-vegas-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .loya-vegas-page h2{
        font-size:28px;
      }

      .loya-vegas-hero-copy,
      .loya-vegas-dark{
        padding:22px;
      }
    }

/* loya-insurance-company-drivers-with-bad-credit */
.loya-badcredit-page{
  max-width:1160px;
  margin:0 auto;
  padding:32px 22px 56px;
  color:#0f172a;
}

.loya-author-card{
  box-sizing:border-box;
  width:100%;
  margin:0 0 32px;
  padding:16px 18px;
  border:1px solid #e7edf5;
  border-radius:16px;
  background:linear-gradient(180deg,#fbfdff 0%,#f7fafc 100%);
  box-shadow:0 10px 26px rgba(15,23,42,.06);
  color:#111827;
  font-size:13px!important;
  line-height:1.6!important;
}

.loya-author-card *{
  box-sizing:border-box;
  font-size:inherit!important;
  line-height:inherit!important;
  overflow-wrap:anywhere;
}

.loya-author-top{
  display:flex;
  align-items:flex-start;
  justify-content:space-between;
  gap:14px;
}

.loya-author-left{
  min-width:0;
  flex:1 1 auto;
}

.loya-author-badge-row{
  display:flex;
  align-items:center;
  gap:12px;
  min-width:0;
}

.loya-author-icon{
  width:42px;
  height:42px;
  min-width:42px;
  border-radius:999px;
  display:flex;
  align-items:center;
  justify-content:center;
  background:linear-gradient(135deg,#13213f 0%,#22325a 100%);
  color:#fff;
  box-shadow:0 6px 16px rgba(19,33,63,.18);
  flex:0 0 42px;
}

.loya-author-byline{
  display:flex;
  flex-wrap:wrap;
  align-items:baseline;
  gap:6px;
  margin:0 0 2px!important;
}

.loya-author-by{
  font-weight:700;
  color:#1f2937;
}

.loya-author-name{
  font-weight:800;
  color:#0f172a;
}

.loya-author-role,
.loya-author-sub,
.loya-author-date{
  color:#64748b;
}

.loya-author-sub{
  margin:0!important;
  font-size:12px!important;
}

.loya-author-date{
  margin:0!important;
  white-space:nowrap;
  font-size:12px!important;
  font-style:italic;
  text-align:right;
}

.loya-author-toggle{
  margin-top:10px;
  display:inline-flex;
  align-items:center;
  gap:7px;
  cursor:pointer;
  border:0;
  background:transparent;
  padding:0;
  color:#0b4f8a;
  font-weight:700;
}

.loya-author-caret{
  display:inline-block;
  transition:transform .2s ease;
}

.loya-author-card.is-open .loya-author-caret{
  transform:rotate(180deg);
}

.loya-author-bio{
  display:none;
  margin-top:12px;
  padding-top:12px;
  border-top:1px solid #e7edf5;
  color:#334155;
}

.loya-author-card.is-open .loya-author-bio{
  display:block;
}

.loya-author-tags{
  display:flex;
  flex-wrap:wrap;
  gap:8px;
  margin:0 0 10px!important;
  padding:0;
  list-style:none;
}

.loya-author-tags li{
  margin:0;
  padding:5px 10px;
  border-radius:999px;
  background:#eef6ff;
  color:#284b7a;
  border:1px solid #dbeafe;
  font-size:11px!important;
  font-weight:700;
}

.loya-author-note{
  color:#6b7280;
  font-size:12px!important;
}

.loya-intro-grid{
  display:grid;
  grid-template-columns:1.05fr .95fr;
  gap:34px;
  align-items:center;
  margin-bottom:44px;
}

.loya-badge{
  display:inline-block;
  background:#eaf2ff;
  color:#0b4f8a;
  padding:8px 14px;
  border-radius:999px;
  font-weight:900;
  font-size:14px;
  margin-bottom:14px;
}

.loya-intro-grid p,
.loya-section p{
  color:#475569;
  font-size:17px;
  line-height:1.65;
}

.loya-image-card{
  background:#fff;
  border:1px solid #e5e7eb;
  border-radius:28px;
  padding:14px;
  box-shadow:0 22px 55px rgba(15,23,42,.12);
}

.loya-image-card img{
  width:100%;
  height:auto;
  border-radius:22px;
  display:block;
}

.loya-notice{
  background:linear-gradient(135deg,#fff7ed,#ffffff);
  border:1px solid #fed7aa;
  border-radius:24px;
  padding:24px;
  margin:34px 0 46px;
  box-shadow:0 14px 35px rgba(15,23,42,.06);
}

.loya-notice strong{
  color:#9a3412;
}

.loya-card-grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:22px;
  margin:34px 0 58px;
}

.loya-card{
  background:#fff;
  border:1px solid #e5e7eb;
  border-radius:24px;
  padding:26px;
  box-shadow:0 18px 45px rgba(15,23,42,.09);
}

.loya-card.blue{
  background:linear-gradient(135deg,#eff6ff,#ffffff);
  border-color:#bfdbfe;
}

.loya-card.green{
  background:linear-gradient(135deg,#ecfdf5,#ffffff);
  border-color:#bbf7d0;
}

.loya-card.orange{
  background:linear-gradient(135deg,#fff7ed,#ffffff);
  border-color:#fed7aa;
}

.loya-card.purple{
  background:linear-gradient(135deg,#f5f3ff,#ffffff);
  border-color:#ddd6fe;
}

.loya-card h2,
.loya-card h3{
  margin:0 0 12px;
  color:#082044;
  font-size:24px;
  line-height:1.15;
  font-weight:900;
}

.loya-card p,
.loya-card li{
  color:#475569;
  font-size:16px;
  line-height:1.6;
}

.loya-card ul,
.loya-card ol{
  margin:0;
  padding-left:20px;
}

.loya-section{
  margin:58px 0;
  clear:both;
}

.loya-section h2{
  color:#082044;
  font-size:34px;
  line-height:1.1;
  margin:0 0 18px!important;
  padding-top:12px;
  font-weight:900;
}

.loya-section + .loya-section{
  margin-top:72px;
}

.loya-table-wrap{
  overflow-x:auto;
  margin:28px 0 52px;
  border-radius:22px;
  box-shadow:0 16px 42px rgba(15,23,42,.08);
  border:1px solid #e5e7eb;
}

.loya-table{
  width:100%;
  border-collapse:collapse;
  background:#fff;
  min-width:720px;
}

.loya-table th{
  background:#082044;
  color:#fff;
  text-align:left;
  padding:16px;
  font-size:15px;
}

.loya-table td{
  padding:16px;
  border-bottom:1px solid #e5e7eb;
  color:#475569;
  font-size:15px;
  line-height:1.5;
  vertical-align:top;
}

.loya-table tr:last-child td{
  border-bottom:0;
}

.loya-two-col{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:22px;
  margin:28px 0 58px;
}

.loya-check-list{
  list-style:none;
  padding-left:0!important;
  margin:0;
}

.loya-check-list li{
  position:relative;
  padding-left:30px;
  margin-bottom:12px;
}

.loya-check-list li::before{
  content:"✓";
  position:absolute;
  left:0;
  top:1px;
  width:21px;
  height:21px;
  border-radius:999px;
  background:#dc2626;
  color:#fff;
  font-size:13px;
  font-weight:900;
  display:flex;
  align-items:center;
  justify-content:center;
}

.loya-final-quote-cta{
  margin:48px auto 0;
  width:100%;
  display:flex;
  justify-content:center;
  padding:0 18px;
  box-sizing:border-box;
}

.loya-final-quote-box{
  max-width:760px;
  width:100%;
  background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
  border-radius:18px;
  padding:22px 22px 20px;
  box-shadow:0 10px 28px rgba(10,20,40,.18);
  box-sizing:border-box;
}

.loya-final-quote-title{
  color:#fff!important;
  font-size:26px;
  line-height:1.15;
  font-weight:900;
  margin:0 0 8px;
  text-align:center;
  -webkit-text-fill-color:#fff;
}

.loya-final-quote-text{
  color:#fff!important;
  font-size:15px;
  line-height:1.45;
  font-weight:500;
  margin:0 0 14px;
  text-align:center;
  -webkit-text-fill-color:#fff;
}

.loya-final-quote-form{
  display:flex;
  gap:10px;
  align-items:center;
  justify-content:center;
  flex-wrap:wrap;
  margin:0;
  padding:0;
  width:100%;
}

.loya-final-zip-wrap{
  flex:0 1 180px;
  min-width:180px;
  max-width:180px;
}

.loya-final-zip-wrap input{
  width:100%;
  height:46px;
  display:block;
  box-sizing:border-box;
  margin:0;
  padding:0 13px;
  border:none;
  border-radius:10px;
  background:#f3f4f6;
  color:#24324a;
  font-size:15px;
  line-height:46px;
  box-shadow:none;
  outline:none;
}

.loya-final-btn-wrap{
  flex:0 0 155px;
  min-width:155px;
}

.loya-final-btn-wrap button{
  width:100%;
  height:46px;
  display:inline-flex;
  align-items:center;
  justify-content:center;
  box-sizing:border-box;
  border:none;
  border-radius:10px;
  background:#dc2626;
  color:#fff!important;
  font-size:15px;
  line-height:1;
  font-weight:800;
  text-align:center;
  padding:0 18px;
  cursor:pointer;
  -webkit-text-fill-color:#fff;
}

.loya-final-btn-wrap button:hover{
  background:#b91c1c;
}

.loya-references{
  margin-top:44px;
  padding-top:20px;
  border-top:1px solid #e5e7eb;
  color:#64748b;
  font-size:14px;
  line-height:1.6;
}

.loya-references h2{
  font-size:22px;
  color:#082044;
  margin-bottom:10px;
}

.loya-references ol{
  padding-left:20px;
}

.loya-references li{
  margin-bottom:10px;
}

@media(max-width:900px){
  .loya-intro-grid,
  .loya-card-grid,
  .loya-two-col{
    grid-template-columns:1fr;
  }

  .loya-badcredit-page{
    padding:24px 18px 40px;
  }

  .loya-intro-grid{
    margin-bottom:36px;
  }

  .loya-card-grid,
  .loya-two-col{
    margin-bottom:48px;
  }

  .loya-section{
    margin:48px 0;
  }

  .loya-section + .loya-section{
    margin-top:58px;
  }

  .loya-section h2{
    font-size:28px;
    padding-top:8px;
  }

  .loya-table-wrap{
    margin-bottom:46px;
  }
}

@media(max-width:640px){
  .loya-author-top{
    flex-direction:column;
    align-items:flex-start;
    gap:10px;
  }

  .loya-author-date{
    white-space:normal;
    text-align:left;
    font-size:11px!important;
  }

  .loya-author-role{
    display:none!important;
  }

  .loya-section h2{
    font-size:27px;
    line-height:1.12;
  }

  .loya-card-grid,
  .loya-two-col{
    margin-bottom:42px;
  }

  .loya-final-zip-wrap,
  .loya-final-btn-wrap{
    flex:1 1 100%;
    min-width:100%;
    max-width:100%;
  }
}

/* uninsured-vs-underinsured-motorist-coverage */
.um-uim-page,
    .um-uim-page *{
      box-sizing:border-box;
    }

    .um-uim-page{
      max-width:1180px;
      margin:0 auto;
      padding:0 24px 52px;
      color:#0f172a;
      font-size:17px;
      line-height:1.72;
    }

    .um-uim-page p{
      margin:0 0 18px;
    }

    .um-uim-page h2{
      margin:0 0 18px;
      color:#082044;
      font-size:34px;
      line-height:1.14;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .um-uim-page h3{
      margin:0 0 12px;
      color:#082044;
      font-size:23px;
      line-height:1.22;
      font-weight:850;
    }

    .um-uim-page h4{
      margin:0 0 8px;
      color:#082044;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .um-uim-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .umu-author{
      margin:18px 0 30px;
      border-radius:22px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
    }

    .umu-author-head{
      display:grid;
      grid-template-columns:minmax(0,1fr) auto;
      gap:18px;
      align-items:flex-start;
      padding:18px 20px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .umu-badge{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#082044;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .umu-author-name{
      display:flex;
      align-items:center;
      gap:12px;
      margin:0 0 4px;
      color:#082044;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .umu-author-name img{
      width:52px;
      height:52px;
      border-radius:999px;
      object-fit:cover;
      flex:0 0 52px;
      border:2px solid #fff;
      box-shadow:0 8px 20px rgba(15,23,42,.12);
    }

    .umu-author-role{
      margin:0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
      padding-left:64px;
    }

    .umu-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
      padding-top:4px;
    }

    .umu-author-body{
      padding:16px 20px 18px;
      background:#fff;
    }

    .umu-author details{
      margin:0;
    }

    .umu-author summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:7px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .umu-author summary::-webkit-details-marker{
      display:none;
    }

    .umu-author summary::marker{
      content:"";
    }

    .umu-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .umu-author details[open] .umu-caret{
      transform:rotate(180deg);
    }

    .umu-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:820px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .umu-author-panel p{
      margin:0 0 10px!important;
    }

    .umu-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .umu-hero{
      display:grid;
      grid-template-columns:minmax(0,1.04fr) minmax(320px,.96fr);
      gap:28px;
      align-items:stretch;
      margin:0 0 38px;
    }

    .umu-hero-copy{
      padding:32px;
      border-radius:30px;
      background:
        radial-gradient(circle at top left,rgba(255,122,26,.22),transparent 34%),
        linear-gradient(135deg,#082044 0%,#12335f 58%,#0b67ae 100%);
      color:#fff;
      box-shadow:0 18px 44px rgba(8,32,68,.22);
    }

    .umu-eyebrow{
      display:inline-flex;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.15);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .umu-hero-copy h2{
      color:#fff;
    }

    .umu-hero-copy p{
      color:#eaf2ff;
    }

    .umu-hero-copy a{
      color:#bfdbfe;
    }

    .umu-lede{
      font-size:18px;
      line-height:1.72;
    }

    .umu-visual{
      display:flex;
      flex-direction:column;
      border-radius:30px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 18px 42px rgba(15,23,42,.075);
    }

    .umu-visual-top{
      padding:24px;
      background:linear-gradient(135deg,#f8fafc,#eef6ff);
    }

    .umu-visual-top strong{
      display:block;
      margin:0 0 8px;
      color:#082044;
      font-size:30px;
      line-height:1.08;
      font-weight:950;
      letter-spacing:-.035em;
    }

    .umu-visual-top span{
      display:block;
      color:#475569;
      font-size:15px;
      line-height:1.55;
    }

    .umu-figure{
      margin:0;
      background:#fff;
      border-top:1px solid #e2e8f0;
    }

    .umu-figure img{
      display:block;
      width:100%;
      height:auto;
    }

    .umu-figure figcaption{
      margin:0;
      padding:12px 14px;
      color:#475569;
      background:#f8fafc;
      font-size:13px;
      line-height:1.45;
    }

    .umu-stat-row{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:16px;
      margin:0 0 40px;
    }

    .umu-stat{
      padding:20px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 12px 30px rgba(15,23,42,.05);
    }

    .umu-stat.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .umu-stat.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .umu-stat.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .umu-stat strong{
      display:block;
      margin:0 0 6px;
      color:#082044;
      font-size:20px;
      line-height:1.15;
      font-weight:950;
    }

    .umu-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.55;
    }

    .umu-section{
      margin:44px 0;
    }

    .umu-note{
      margin:24px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .umu-note strong{
      color:#9a3412;
      font-weight:900;
    }

    .umu-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:22px;
      margin:24px 0 0;
    }

    .umu-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .umu-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .umu-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .umu-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .umu-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .umu-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .umu-card p:last-child{
      margin-bottom:0;
    }

    .umu-list,
    .umu-numbered{
      margin:0 0 20px;
      padding-left:22px;
    }

    .umu-list li,
    .umu-numbered li{
      margin:0 0 12px;
    }

    .umu-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .umu-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .umu-table th,
    .umu-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .umu-table th{
      background:#082044;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .umu-table td{
      background:#fff;
      color:#0f172a;
    }

    .umu-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .umu-table tr:last-child td{
      border-bottom:0;
    }

    .umu-decision{
      margin:28px 0;
      border-radius:28px;
      overflow:hidden;
      border:1px solid #dbeafe;
      background:#fff;
      box-shadow:0 18px 42px rgba(15,23,42,.07);
    }

    .umu-decision-row{
      display:grid;
      grid-template-columns:230px minmax(0,1fr) 260px;
      border-bottom:1px solid #e5e7eb;
    }

    .umu-decision-row:last-child{
      border-bottom:0;
    }

    .umu-decision-label{
      padding:20px;
      background:#082044;
      color:#fff;
      font-weight:900;
    }

    .umu-decision-text{
      padding:20px;
      background:#fff;
      color:#334155;
    }

    .umu-decision-action{
      padding:20px;
      background:#f8fafc;
      color:#475569;
      font-size:15px;
    }

    .umu-split{
      display:grid;
      grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);
      gap:0;
      margin:44px 0;
      border-radius:30px;
      overflow:hidden;
      border:1px solid #dbeafe;
      background:#fff;
      box-shadow:0 18px 42px rgba(15,23,42,.075);
    }

    .umu-split-side{
      padding:30px;
      background:linear-gradient(135deg,#082044,#13213f);
      color:#fff;
    }

    .umu-split-side h2,
    .umu-split-side h3{
      color:#fff;
    }

    .umu-split-side p,
    .umu-split-side li{
      color:#e2e8f0;
    }

    .umu-split-side a{
      color:#bfdbfe;
    }

    .umu-split-main{
      padding:30px;
      background:linear-gradient(135deg,#f8fafc,#fff);
    }

    .umu-dark{
      margin:44px 0;
      padding:28px;
      border-radius:30px;
      background:linear-gradient(135deg,#082044,#13213f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.22);
    }

    .umu-dark h2,
    .umu-dark h3{
      color:#fff;
    }

    .umu-dark p,
    .umu-dark li{
      color:#e2e8f0;
    }

    .umu-dark a{
      color:#bfdbfe;
    }

    .umu-dark .umu-card{
      background:rgba(255,255,255,.10);
      border-color:rgba(255,255,255,.22);
      box-shadow:none;
    }

    .umu-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .umu-faq summary{
      cursor:pointer;
      color:#082044;
      font-weight:850;
      list-style:none;
    }

    .umu-faq summary::-webkit-details-marker{
      display:none;
    }

    .umu-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .umu-cta{
      margin:44px auto 12px;
      max-width:820px;
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#111827 0%,#082044 100%);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.24);
      text-align:center;
    }

    .umu-cta-title{
      display:block;
      margin:0 0 8px;
      color:#fff!important;
      font-size:29px;
      line-height:1.12;
      font-weight:950;
      letter-spacing:-.02em;
    }

    .umu-cta-text{
      display:block;
      margin:0 0 15px;
      color:#e2e8f0!important;
      font-size:15px;
      line-height:1.55;
    }

    .umu-cta-form{
      display:flex;
      justify-content:center;
      align-items:center;
      flex-wrap:wrap;
      gap:10px;
      margin:0;
      padding:0;
    }

    .umu-cta-input{
      width:180px;
      height:46px;
      border:0;
      border-radius:12px;
      background:#f8fafc;
      color:#0f172a;
      padding:0 13px;
      font-size:15px;
      outline:none;
    }

    .umu-cta-btn{
      height:46px;
      border:0;
      border-radius:12px;
      background:#ff7a1a;
      color:#fff!important;
      font-size:15px;
      font-weight:850;
      padding:0 20px;
      cursor:pointer;
      -webkit-text-fill-color:#fff;
    }

    .umu-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .umu-refs h3{
      margin:0 0 12px;
      color:#082044;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .umu-refs ol{
      margin:0;
      padding-left:20px;
    }

    .umu-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .umu-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .umu-author-head,
      .umu-hero,
      .umu-stat-row,
      .umu-grid-2,
      .umu-grid-3,
      .umu-split{
        grid-template-columns:1fr;
      }

      .umu-decision-row{
        grid-template-columns:1fr;
      }

      .umu-author-date{
        text-align:left;
        white-space:normal;
        padding-top:0;
      }

      .umu-author-role{
        padding-left:0;
      }
    }

    @media(max-width:640px){
      .um-uim-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .um-uim-page h2{
        font-size:28px;
      }

      .umu-hero-copy,
      .umu-dark,
      .umu-split-side,
      .umu-split-main{
        padding:22px;
      }

      .umu-visual-top strong{
        font-size:25px;
      }
    }

/* compare-uninsured-motorist-coverage */
.loya-article-wrap{
  max-width:930px;
  margin:0 auto;
  padding:0 28px;
  color:#1f2937;
  font-size:17px;
  line-height:1.72;
}

.loya-article-wrap p{
  margin:0 0 18px;
}

.loya-article-wrap a{
  color:#0b5bd3;
  font-weight:700;
  text-decoration:underline;
  text-underline-offset:3px;
}

.loya-article-wrap > h2{
  color:#0f172a;
  font-size:32px;
  line-height:1.18;
  font-weight:800;
  margin:38px 0 16px!important;
  padding-top:0;
  clear:both;
}

.loya-card-grid + h2,
.loya-note-card + h2,
.loya-blue-card + h2,
.loya-checklist + h2,
.loya-table-wrap + h2{
  margin-top:42px!important;
}

.loya-date-line{
  text-align:right;
  font-size:14px;
  color:#667085;
  margin:0 0 14px;
}

.loya-kicker{
  display:inline-block;
  background:#eff6ff;
  color:#1d4ed8;
  border:1px solid #bfdbfe;
  border-radius:999px;
  padding:7px 13px;
  font-size:13px;
  font-weight:900;
  letter-spacing:.02em;
  text-transform:uppercase;
  margin:8px 0 14px;
}

.loya-intro-card{
  background:linear-gradient(135deg,#f8fbff,#eef6ff);
  border:1px solid #dbeafe;
  border-radius:24px;
  padding:24px;
  margin:20px 0 34px;
  box-shadow:0 16px 38px rgba(15,23,42,.08);
}

.loya-intro-card p{
  font-size:19px;
  color:#334155;
  margin:0;
}

.author-card details .author-bio{
  display:none;
  margin-top:8px;
  color:#333;
  line-height:1.5;
}

.author-card details[open] .author-bio{
  display:block;
}

.author-card summary{
  cursor:pointer;
  font-weight:600;
  display:inline-flex;
  align-items:center;
  gap:8px;
}

.author-card summary::-webkit-details-marker{
  display:none;
}

.author-card .caret{
  margin-left:6px;
  transition:transform .2s;
}

.author-card details[open] .caret{
  transform:rotate(180deg);
}

.loya-hero-img{
  max-width:100%;
  height:auto;
  display:block;
  margin:32px auto 38px;
  border-radius:24px;
  box-shadow:0 18px 45px rgba(15,23,42,.14);
}

.loya-card-grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:18px;
  margin:30px 0 40px;
}

.loya-card{
  background:#ffffff;
  border:1px solid #e5e7eb;
  border-radius:20px;
  padding:20px;
  box-shadow:0 14px 35px rgba(15,23,42,.08);
}

.loya-card strong{
  display:block;
  color:#0f172a;
  font-size:18px;
  margin-bottom:8px;
}

.loya-card p{
  font-size:15px;
  color:#475569;
  margin:0;
  line-height:1.55;
}

.loya-note-card{
  background:#fff7ed;
  border:1px solid #fed7aa;
  border-left:6px solid #f97316;
  border-radius:18px;
  padding:22px;
  margin:30px 0 40px;
  box-shadow:0 12px 30px rgba(249,115,22,.10);
}

.loya-note-card p{
  margin:0;
  color:#7c2d12;
}

.loya-blue-card{
  background:#eff6ff;
  border:1px solid #bfdbfe;
  border-left:6px solid #2563eb;
  border-radius:18px;
  padding:22px;
  margin:30px 0 40px;
}

.loya-blue-card p{
  margin:0;
  color:#1e3a8a;
}

.loya-checklist{
  background:#f8fafc;
  border:1px solid #e2e8f0;
  border-radius:20px;
  padding:24px 26px;
  margin:30px 0 40px;
}

.loya-article-wrap ul,
.loya-article-wrap ol{
  margin-top:10px;
  margin-bottom:22px;
  padding-left:24px;
}

.loya-article-wrap li{
  margin-bottom:10px;
}

.loya-table-wrap{
  overflow-x:auto;
  margin:30px 0 42px;
  border-radius:20px;
  box-shadow:0 14px 35px rgba(15,23,42,.08);
}

.loya-table{
  width:100%;
  border-collapse:collapse;
  background:#fff;
  min-width:720px;
}

.loya-table th{
  background:#0f172a;
  color:#fff;
  text-align:left;
  padding:15px;
  font-size:15px;
}

.loya-table td{
  border-bottom:1px solid #e5e7eb;
  padding:15px;
  vertical-align:top;
  font-size:15px;
}

.loya-table tr:nth-child(even) td{
  background:#f8fafc;
}

.loya-faq{
  border-top:1px solid #e5e7eb;
  padding-top:12px;
  margin-top:24px;
}

.loya-faq details{
  background:#fff;
  border:1px solid #e5e7eb;
  border-radius:16px;
  padding:16px 18px;
  margin:12px 0;
  box-shadow:0 10px 25px rgba(15,23,42,.06);
}

.loya-faq summary{
  cursor:pointer;
  font-weight:800;
  color:#0f172a;
}

.loya-faq p{
  margin:12px 0 0;
  color:#475569;
}

.loya-cta{
  background:linear-gradient(135deg,#0f172a,#1d4ed8);
  color:#fff;
  border-radius:26px;
  padding:34px 28px;
  text-align:center;
  margin:42px 0;
  box-shadow:0 22px 55px rgba(15,23,42,.22);
}

.loya-cta h2{
  color:#fff;
  margin:0 0 12px!important;
  padding-top:0;
  font-size:30px;
  line-height:1.15;
}

.loya-cta p{
  color:#e0ecff;
  max-width:680px;
  margin:0 auto 22px;
}

.loya-cta a{
  display:inline-block;
  background:#dc2626;
  color:#fff!important;
  padding:14px 24px;
  border-radius:12px;
  text-decoration:none!important;
  font-weight:900;
  box-shadow:0 12px 30px rgba(220,38,38,.28);
}

.loya-references{
  background:#f8fafc;
  border:1px solid #e2e8f0;
  border-radius:20px;
  padding:22px 24px;
  margin:38px 0 20px;
  font-size:15px;
}

.loya-references h2{
  margin-top:0!important;
  padding-top:0;
  font-size:24px;
}

.loya-references ol{
  margin-bottom:0;
}

.loya-references li{
  margin-bottom:10px;
}

@media(max-width:780px){
  .loya-article-wrap{
    padding:0 18px;
    font-size:16px;
  }

  .loya-article-wrap > h2{
    font-size:28px;
    line-height:1.2;
    margin:36px 0 15px!important;
    padding-top:0;
  }

  .loya-card-grid + h2,
  .loya-note-card + h2,
  .loya-blue-card + h2,
  .loya-checklist + h2,
  .loya-table-wrap + h2{
    margin-top:40px!important;
  }

  .loya-date-line{
    text-align:left;
  }

  .loya-card-grid{
    grid-template-columns:1fr;
    margin:28px 0 38px;
  }

  .loya-note-card,
  .loya-blue-card,
  .loya-checklist,
  .loya-table-wrap{
    margin-bottom:38px;
  }

  .loya-cta{
    padding:28px 20px;
    margin:38px 0;
  }
}

/* why-you-need-uninsured-motorist-coverage-in-texas */
.txumprotect-page,
    .txumprotect-page *{
      box-sizing:border-box;
    }

    .txumprotect-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 60px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .txumprotect-page p{
      margin:0 0 18px;
    }

    .txumprotect-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
    }

    .txumprotect-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .txumprotect-page h3{
      margin:0 0 10px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .txumprotect-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .txumprotect-author-card{
      margin:18px 0 30px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .txumprotect-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#fff7ed 0%,#ffffff 48%,#eff6ff 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .txumprotect-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .txumprotect-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#b45309;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .txumprotect-author-name{
      margin:0;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .txumprotect-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .txumprotect-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .txumprotect-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .txumprotect-author-body details{
      margin:0;
    }

    .txumprotect-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#b45309;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .txumprotect-author-body summary::-webkit-details-marker{
      display:none;
    }

    .txumprotect-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .txumprotect-author-body details[open] .txumprotect-caret{
      transform:rotate(180deg);
    }

    .txumprotect-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .txumprotect-author-panel p{
      margin:0 0 10px!important;
    }

    .txumprotect-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .txumprotect-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#9a3412;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .txumprotect-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#111827;
      border:1px solid #fed7aa;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .txumprotect-hero-grid{
      display:grid;
      grid-template-columns:minmax(330px,.94fr) minmax(0,1.06fr);
      min-height:510px;
    }

    .txumprotect-hero-media{
      position:relative;
      min-height:510px;
      background:#111827;
    }

    .txumprotect-hero-media img{
      width:100%;
      height:100%;
      min-height:510px;
      display:block;
      object-fit:cover;
    }

    .txumprotect-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(180deg,rgba(15,23,42,.02),rgba(15,23,42,.48));
      pointer-events:none;
    }

    .txumprotect-hero-note{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.94);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 14px 32px rgba(15,23,42,.18);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .txumprotect-hero-note strong{
      display:block;
      color:#0f172a;
      font-size:15px;
      margin-bottom:5px;
    }

    .txumprotect-hero-copy{
      padding:46px;
      background:
        radial-gradient(circle at 84% 18%,rgba(251,146,60,.26),transparent 34%),
        radial-gradient(circle at 14% 88%,rgba(59,130,246,.24),transparent 38%),
        linear-gradient(135deg,#111827 0%,#1f2937 54%,#7c2d12 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .txumprotect-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .txumprotect-hero-copy h2{
      color:#fff;
      font-size:42px;
      max-width:760px;
    }

    .txumprotect-hero-copy p{
      color:#f8fafc;
      max-width:760px;
    }

    .txumprotect-hero-copy a{
      color:#fed7aa;
    }

    .txumprotect-lede{
      font-size:18px;
      line-height:1.75;
    }

    .txumprotect-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .txumprotect-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .txumprotect-stat:nth-child(2){
      background:#eff6ff;
    }

    .txumprotect-stat:nth-child(3){
      background:#fff7ed;
    }

    .txumprotect-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .txumprotect-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .txumprotect-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .txumprotect-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .txumprotect-alert strong{
      color:#9a3412;
      font-weight:900;
    }

    .txumprotect-section{
      margin:46px 0;
    }

    .txumprotect-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .txumprotect-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .txumprotect-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .txumprotect-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .txumprotect-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .txumprotect-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .txumprotect-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .txumprotect-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .txumprotect-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .txumprotect-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .txumprotect-card p:last-child{
      margin-bottom:0;
    }

    .txumprotect-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .txumprotect-list li{
      margin:0 0 12px;
    }

    .txumprotect-split{
      display:grid;
      grid-template-columns:minmax(0,1fr) minmax(280px,360px);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .txumprotect-split.reverse{
      grid-template-columns:minmax(280px,360px) minmax(0,1fr);
    }

    .txumprotect-side-card{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#7c2d12,#111827);
      color:#fff;
      box-shadow:0 18px 42px rgba(124,45,18,.18);
    }

    .txumprotect-side-card h3{
      color:#fff;
    }

    .txumprotect-side-card p,
    .txumprotect-side-card li{
      color:#e5e7eb;
      font-size:15px;
      line-height:1.6;
    }

    .txumprotect-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .txumprotect-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .txumprotect-table th,
    .txumprotect-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .txumprotect-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .txumprotect-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .txumprotect-table tr:last-child td{
      border-bottom:0;
    }

    .txumprotect-steps{
      margin:24px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .txumprotect-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .txumprotect-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#fff7ed;
      color:#c2410c;
      font-size:18px;
      font-weight:950;
    }

    .txumprotect-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .txumprotect-callout{
      margin:42px 0;
      padding:26px;
      border-radius:28px;
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border:1px solid #bbf7d0;
      box-shadow:0 16px 36px rgba(15,23,42,.055);
    }

    .txumprotect-callout h2{
      font-size:28px;
      margin-bottom:12px;
    }

    .txumprotect-callout-grid{
      display:grid;
      grid-template-columns:minmax(0,1fr) minmax(0,1fr);
      gap:18px;
      margin-top:20px;
    }

    .txumprotect-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .txumprotect-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .txumprotect-faq summary::-webkit-details-marker{
      display:none;
    }

    .txumprotect-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .txumprotect-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .txumprotect-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .txumprotect-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .txumprotect-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .txumprotect-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .txumprotect-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .txumprotect-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .txumprotect-final-form input,
    .txumprotect-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .txumprotect-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .txumprotect-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .txumprotect-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .txumprotect-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .txumprotect-refs ol{
      margin:0;
      padding-left:20px;
    }

    .txumprotect-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .txumprotect-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .txumprotect-author-top,
      .txumprotect-hero-grid,
      .txumprotect-stat-strip,
      .txumprotect-grid-2,
      .txumprotect-grid-3,
      .txumprotect-split,
      .txumprotect-split.reverse,
      .txumprotect-steps,
      .txumprotect-callout-grid{
        grid-template-columns:1fr;
      }

      .txumprotect-author-date{
        text-align:left;
        white-space:normal;
      }

      .txumprotect-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .txumprotect-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .txumprotect-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .txumprotect-page h2{
        font-size:28px;
      }

      .txumprotect-hero-copy{
        padding:24px;
      }

      .txumprotect-hero-copy h2{
        font-size:31px;
      }

      .txumprotect-form-col,
      .txumprotect-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }

/* liability-insurance-vs-uninsured-motorist-coverage */
.liabgap-page,
    .liabgap-page *{
      box-sizing:border-box;
    }

    .liabgap-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 60px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .liabgap-page p{
      margin:0 0 18px;
    }

    .liabgap-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
    }

    .liabgap-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .liabgap-page h3{
      margin:0 0 10px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .liabgap-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .liabgap-author-card{
      margin:18px 0 30px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .liabgap-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#fff7ed 0%,#ffffff 48%,#eff6ff 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .liabgap-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .liabgap-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#b45309;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .liabgap-author-name{
      margin:0;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .liabgap-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .liabgap-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .liabgap-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .liabgap-author-body details{
      margin:0;
    }

    .liabgap-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#b45309;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .liabgap-author-body summary::-webkit-details-marker{
      display:none;
    }

    .liabgap-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .liabgap-author-body details[open] .liabgap-caret{
      transform:rotate(180deg);
    }

    .liabgap-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .liabgap-author-panel p{
      margin:0 0 10px!important;
    }

    .liabgap-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .liabgap-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#9a3412;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .liabgap-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#111827;
      border:1px solid #fed7aa;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .liabgap-hero-grid{
      display:grid;
      grid-template-columns:minmax(330px,.96fr) minmax(0,1.04fr);
      min-height:520px;
    }

    .liabgap-hero-media{
      position:relative;
      min-height:520px;
      background:#111827;
    }

    .liabgap-hero-media img{
      width:100%;
      height:100%;
      min-height:520px;
      display:block;
      object-fit:cover;
    }

    .liabgap-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(180deg,rgba(15,23,42,.02),rgba(15,23,42,.50));
      pointer-events:none;
    }

    .liabgap-hero-note{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.94);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 14px 32px rgba(15,23,42,.18);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .liabgap-hero-note strong{
      display:block;
      color:#0f172a;
      font-size:15px;
      margin-bottom:5px;
    }

    .liabgap-hero-copy{
      padding:46px;
      background:
        radial-gradient(circle at 84% 18%,rgba(251,146,60,.25),transparent 34%),
        radial-gradient(circle at 14% 86%,rgba(59,130,246,.22),transparent 38%),
        linear-gradient(135deg,#111827 0%,#1f2937 54%,#7c2d12 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .liabgap-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .liabgap-hero-copy h2{
      color:#fff;
      font-size:42px;
      max-width:760px;
    }

    .liabgap-hero-copy p{
      color:#f8fafc;
      max-width:760px;
    }

    .liabgap-hero-copy a{
      color:#fed7aa;
    }

    .liabgap-lede{
      font-size:18px;
      line-height:1.75;
    }

    .liabgap-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .liabgap-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .liabgap-stat:nth-child(2){
      background:#eff6ff;
    }

    .liabgap-stat:nth-child(3){
      background:#fff7ed;
    }

    .liabgap-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .liabgap-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .liabgap-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .liabgap-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .liabgap-alert strong{
      color:#9a3412;
      font-weight:900;
    }

    .liabgap-section{
      margin:46px 0;
    }

    .liabgap-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .liabgap-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .liabgap-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .liabgap-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .liabgap-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .liabgap-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .liabgap-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .liabgap-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .liabgap-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .liabgap-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .liabgap-card p:last-child{
      margin-bottom:0;
    }

    .liabgap-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .liabgap-list li{
      margin:0 0 12px;
    }

    .liabgap-split{
      display:grid;
      grid-template-columns:minmax(0,1fr) minmax(280px,360px);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .liabgap-split.reverse{
      grid-template-columns:minmax(280px,360px) minmax(0,1fr);
    }

    .liabgap-side-card{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#7c2d12,#111827);
      color:#fff;
      box-shadow:0 18px 42px rgba(124,45,18,.18);
    }

    .liabgap-side-card h3{
      color:#fff;
    }

    .liabgap-side-card p,
    .liabgap-side-card li{
      color:#e5e7eb;
      font-size:15px;
      line-height:1.6;
    }

    .liabgap-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .liabgap-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .liabgap-table th,
    .liabgap-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .liabgap-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .liabgap-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .liabgap-table tr:last-child td{
      border-bottom:0;
    }

    .liabgap-steps{
      margin:24px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .liabgap-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .liabgap-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#fff7ed;
      color:#c2410c;
      font-size:18px;
      font-weight:950;
    }

    .liabgap-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .liabgap-callout{
      margin:42px 0;
      padding:26px;
      border-radius:28px;
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border:1px solid #bbf7d0;
      box-shadow:0 16px 36px rgba(15,23,42,.055);
    }

    .liabgap-callout h2{
      font-size:28px;
      margin-bottom:12px;
    }

    .liabgap-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .liabgap-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .liabgap-faq summary::-webkit-details-marker{
      display:none;
    }

    .liabgap-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .liabgap-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .liabgap-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .liabgap-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .liabgap-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .liabgap-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .liabgap-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .liabgap-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .liabgap-final-form input,
    .liabgap-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .liabgap-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .liabgap-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .liabgap-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .liabgap-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .liabgap-refs ol{
      margin:0;
      padding-left:20px;
    }

    .liabgap-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .liabgap-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .liabgap-author-top,
      .liabgap-hero-grid,
      .liabgap-stat-strip,
      .liabgap-grid-2,
      .liabgap-grid-3,
      .liabgap-split,
      .liabgap-split.reverse,
      .liabgap-steps{
        grid-template-columns:1fr;
      }

      .liabgap-author-date{
        text-align:left;
        white-space:normal;
      }

      .liabgap-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .liabgap-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .liabgap-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .liabgap-page h2{
        font-size:28px;
      }

      .liabgap-hero-copy{
        padding:24px;
      }

      .liabgap-hero-copy h2{
        font-size:31px;
      }

      .liabgap-form-col,
      .liabgap-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }

/* add-uninsured-motorist-coverage-to-existing-policy */
.addum-page,
    .addum-page *{
      box-sizing:border-box;
    }

    .addum-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 60px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .addum-page p{
      margin:0 0 18px;
    }

    .addum-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
    }

    .addum-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .addum-page h3{
      margin:0 0 10px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .addum-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .addum-author-card{
      margin:18px 0 30px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .addum-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#ecfdf5 0%,#ffffff 46%,#eff6ff 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .addum-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .addum-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#065f46;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .addum-author-name{
      margin:0;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .addum-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .addum-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .addum-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .addum-author-body details{
      margin:0;
    }

    .addum-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#b45309;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .addum-author-body summary::-webkit-details-marker{
      display:none;
    }

    .addum-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .addum-author-body details[open] .addum-caret{
      transform:rotate(180deg);
    }

    .addum-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .addum-author-panel p{
      margin:0 0 10px!important;
    }

    .addum-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .addum-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#ecfdf5;
      border:1px solid #bbf7d0;
      color:#166534;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .addum-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#111827;
      border:1px solid #bbf7d0;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .addum-hero-grid{
      display:grid;
      grid-template-columns:minmax(330px,.92fr) minmax(0,1.08fr);
      min-height:485px;
    }

    .addum-hero-media{
      position:relative;
      min-height:485px;
      background:#111827;
    }

    .addum-hero-media img{
      width:100%;
      height:100%;
      min-height:485px;
      display:block;
      object-fit:cover;
    }

    .addum-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(180deg,rgba(15,23,42,.02),rgba(15,23,42,.48));
      pointer-events:none;
    }

    .addum-hero-note{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.94);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 14px 32px rgba(15,23,42,.18);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .addum-hero-note strong{
      display:block;
      color:#0f172a;
      font-size:15px;
      margin-bottom:5px;
    }

    .addum-hero-copy{
      padding:46px;
      background:
        radial-gradient(circle at 82% 18%,rgba(34,197,94,.25),transparent 34%),
        radial-gradient(circle at 15% 88%,rgba(59,130,246,.24),transparent 38%),
        linear-gradient(135deg,#111827 0%,#1e293b 55%,#064e3b 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .addum-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .addum-hero-copy h2{
      color:#fff;
      font-size:42px;
      max-width:760px;
    }

    .addum-hero-copy p{
      color:#f8fafc;
      max-width:760px;
    }

    .addum-hero-copy a{
      color:#bbf7d0;
    }

    .addum-lede{
      font-size:18px;
      line-height:1.75;
    }

    .addum-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .addum-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .addum-stat:nth-child(2){
      background:#eff6ff;
    }

    .addum-stat:nth-child(3){
      background:#fff7ed;
    }

    .addum-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .addum-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .addum-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .addum-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#ecfdf5;
      border:1px solid #bbf7d0;
      color:#14532d;
      box-shadow:0 12px 30px rgba(20,83,45,.055);
    }

    .addum-alert strong{
      color:#166534;
      font-weight:900;
    }

    .addum-section{
      margin:46px 0;
    }

    .addum-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .addum-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .addum-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .addum-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .addum-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .addum-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .addum-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .addum-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .addum-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .addum-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .addum-card p:last-child{
      margin-bottom:0;
    }

    .addum-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .addum-list li{
      margin:0 0 12px;
    }

    .addum-split{
      display:grid;
      grid-template-columns:minmax(0,1fr) minmax(280px,360px);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .addum-side-card{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#065f46,#0f172a);
      color:#fff;
      box-shadow:0 18px 42px rgba(6,95,70,.18);
    }

    .addum-side-card h3{
      color:#fff;
    }

    .addum-side-card p,
    .addum-side-card li{
      color:#e5e7eb;
      font-size:15px;
      line-height:1.6;
    }

    .addum-proof-strip{
      display:grid;
      grid-template-columns:.95fr 1.05fr;
      gap:22px;
      align-items:stretch;
      margin:24px 0 0;
    }

    .addum-proof-main{
      padding:26px;
      border-radius:26px;
      background:linear-gradient(135deg,#1e3a8a,#0f172a);
      color:#fff;
      box-shadow:0 18px 42px rgba(30,58,138,.16);
    }

    .addum-proof-main h3{
      color:#fff;
    }

    .addum-proof-main p,
    .addum-proof-main li{
      color:#e5e7eb;
    }

    .addum-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .addum-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .addum-table th,
    .addum-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .addum-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .addum-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .addum-table tr:last-child td{
      border-bottom:0;
    }

    .addum-steps{
      margin:24px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .addum-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .addum-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#ecfdf5;
      color:#047857;
      font-size:18px;
      font-weight:950;
    }

    .addum-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .addum-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .addum-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .addum-faq summary::-webkit-details-marker{
      display:none;
    }

    .addum-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .addum-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .addum-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .addum-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .addum-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .addum-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .addum-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .addum-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .addum-final-form input,
    .addum-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .addum-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .addum-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .addum-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .addum-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .addum-refs ol{
      margin:0;
      padding-left:20px;
    }

    .addum-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .addum-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .addum-author-top,
      .addum-hero-grid,
      .addum-stat-strip,
      .addum-grid-2,
      .addum-grid-3,
      .addum-split,
      .addum-proof-strip,
      .addum-steps{
        grid-template-columns:1fr;
      }

      .addum-author-date{
        text-align:left;
        white-space:normal;
      }

      .addum-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .addum-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .addum-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .addum-page h2{
        font-size:28px;
      }

      .addum-hero-copy{
        padding:24px;
      }

      .addum-hero-copy h2{
        font-size:31px;
      }

      .addum-form-col,
      .addum-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }

/* understanding-uninsured-motorist-coverage-risks */
.umr-page,
    .umr-page *{
      box-sizing:border-box;
    }

    .umr-page{
      max-width:1180px;
      margin:0 auto;
      padding:0 24px 58px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .umr-page p{
      margin:0 0 18px;
    }

    .umr-page h2{
      margin:0 0 16px;
      color:#0b1f3a;
      font-size:34px;
      line-height:1.14;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .umr-page h3{
      margin:0 0 11px;
      color:#0b1f3a;
      font-size:23px;
      line-height:1.22;
      font-weight:850;
    }

    .umr-page h4{
      margin:0 0 8px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .umr-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .umr-author{
      margin:18px 0 32px;
      border-radius:24px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
    }

    .umr-author-top{
      display:grid;
      grid-template-columns:minmax(0,1fr) auto;
      gap:18px;
      align-items:flex-start;
      padding:18px 20px;
      background:linear-gradient(135deg,#eef6ff 0%,#f8fafc 52%,#fff7ed 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .umr-badge{
      display:inline-flex;
      margin:0 0 9px;
      padding:6px 11px;
      border-radius:999px;
      background:#0b1f3a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .umr-author-name{
      display:flex;
      align-items:center;
      gap:12px;
      margin:0 0 4px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .umr-author-name img{
      width:52px;
      height:52px;
      border-radius:999px;
      object-fit:cover;
      flex:0 0 52px;
      border:2px solid #fff;
      box-shadow:0 8px 20px rgba(15,23,42,.12);
    }

    .umr-author-role{
      margin:0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
      padding-left:64px;
    }

    .umr-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
      padding-top:4px;
    }

    .umr-author-body{
      padding:16px 20px 18px;
      background:#fff;
    }

    .umr-author details{
      margin:0;
    }

    .umr-author summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:7px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .umr-author summary::-webkit-details-marker{
      display:none;
    }

    .umr-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .umr-author details[open] .umr-caret{
      transform:rotate(180deg);
    }

    .umr-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:820px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .umr-author-panel p{
      margin:0 0 10px!important;
    }

    .umr-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .umr-hero{
      margin:0 0 38px;
      border-radius:34px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 22px 54px rgba(15,23,42,.11);
    }

    .umr-hero-layout{
      display:grid;
      grid-template-columns:minmax(0,.98fr) minmax(330px,.82fr);
      min-height:438px;
    }

    .umr-hero-copy{
      padding:38px;
      background:
        radial-gradient(circle at 12% 18%,rgba(255,122,26,.30),transparent 32%),
        radial-gradient(circle at 92% 82%,rgba(59,130,246,.25),transparent 34%),
        linear-gradient(135deg,#081a33 0%,#0b1f3a 55%,#12335f 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .umr-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.15);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .umr-hero-copy h2{
      color:#fff;
      font-size:39px;
      line-height:1.08;
      max-width:760px;
    }

    .umr-hero-copy p{
      color:#eaf2ff;
      max-width:720px;
    }

    .umr-hero-copy a{
      color:#bfdbfe;
    }

    .umr-lede{
      font-size:18px;
      line-height:1.72;
    }

    .umr-hero-media{
      display:flex;
      flex-direction:column;
      background:#fff;
    }

    .umr-hero-media figure{
      margin:0;
      flex:1;
      display:flex;
      flex-direction:column;
    }

    .umr-hero-media img{
      display:block;
      width:100%;
      height:100%;
      min-height:340px;
      object-fit:cover;
      flex:1;
    }

    .umr-hero-media figcaption{
      margin:0;
      padding:13px 15px;
      color:#475569;
      background:#f8fafc;
      font-size:13px;
      line-height:1.45;
      border-top:1px solid #e2e8f0;
    }

    .umr-proof-row{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:0;
      background:#fff;
      border-top:1px solid #e2e8f0;
    }

    .umr-proof{
      padding:18px 20px;
      border-right:1px solid #e2e8f0;
      background:#fff;
    }

    .umr-proof:nth-child(2){background:#eff6ff;}
    .umr-proof:nth-child(3){background:#fff7ed;}
    .umr-proof:nth-child(4){background:#ecfdf5; border-right:0;}

    .umr-proof strong{
      display:block;
      margin:0 0 4px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .umr-proof span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .umr-note{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .umr-note strong{
      color:#9a3412;
      font-weight:900;
    }

    .umr-section{
      margin:46px 0;
    }

    .umr-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .umr-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .umr-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .umr-card.blue{background:linear-gradient(135deg,#eff6ff,#fff); border-color:#bfdbfe;}
    .umr-card.green{background:linear-gradient(135deg,#ecfdf5,#fff); border-color:#bbf7d0;}
    .umr-card.orange{background:linear-gradient(135deg,#fff7ed,#fff); border-color:#fed7aa;}
    .umr-card.red{background:linear-gradient(135deg,#fef2f2,#fff); border-color:#fecaca;}
    .umr-card.purple{background:linear-gradient(135deg,#f5f3ff,#fff); border-color:#ddd6fe;}

    .umr-card p:last-child{
      margin-bottom:0;
    }

    .umr-list,
    .umr-numbered{
      margin:0 0 20px;
      padding-left:22px;
    }

    .umr-list li,
    .umr-numbered li{
      margin:0 0 12px;
    }

    .umr-warning-grid{
      display:grid;
      grid-template-columns:290px minmax(0,1fr);
      gap:24px;
      align-items:start;
      margin:44px 0;
    }

    .umr-warning-side{
      padding:24px;
      border-radius:28px;
      background:linear-gradient(135deg,#7f1d1d,#b91c1c);
      color:#fff;
      box-shadow:0 18px 42px rgba(127,29,29,.22);
    }

    .umr-warning-side h2,
    .umr-warning-side h3{
      color:#fff;
    }

    .umr-warning-side p,
    .umr-warning-side li{
      color:#fee2e2;
      font-size:15px;
      line-height:1.6;
    }

    .umr-risk-stack{
      display:grid;
      gap:14px;
    }

    .umr-risk-line{
      display:grid;
      grid-template-columns:54px minmax(0,1fr);
      gap:15px;
      padding:18px;
      border-radius:20px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .umr-risk-icon{
      width:54px;
      height:54px;
      display:flex;
      align-items:center;
      justify-content:center;
      border-radius:18px;
      background:#fff7ed;
      color:#c2410c;
      font-weight:950;
      font-size:22px;
    }

    .umr-risk-line p{
      margin-bottom:0;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .umr-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .umr-table{
      width:100%;
      border-collapse:collapse;
      min-width:790px;
      background:#fff;
    }

    .umr-table th,
    .umr-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .umr-table th{
      background:#0b1f3a;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .umr-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .umr-table tr:last-child td{
      border-bottom:0;
    }

    .umr-channel-band{
      margin:46px 0;
      display:grid;
      grid-template-columns:minmax(0,.9fr) minmax(320px,1.1fr);
      gap:24px;
      align-items:center;
      padding:26px;
      border-radius:30px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 100%);
      border:1px solid #dbeafe;
      box-shadow:0 18px 42px rgba(15,23,42,.065);
    }

    .umr-channel-card{
      padding:22px;
      border-radius:24px;
      background:#fff;
      border:1px solid #dbeafe;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .umr-channel-button{
      display:inline-flex;
      align-items:center;
      justify-content:center;
      min-height:44px;
      border-radius:12px;
      padding:0 18px;
      background:#0b67ae;
      color:#fff!important;
      font-size:15px;
      font-weight:850;
      text-decoration:none!important;
      -webkit-text-fill-color:#fff;
    }

    .umr-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .umr-faq summary{
      cursor:pointer;
      color:#0b1f3a;
      font-weight:850;
      list-style:none;
    }

    .umr-faq summary::-webkit-details-marker{
      display:none;
    }

    .umr-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .umr-cta{
      margin:46px 0 36px;
      display:grid;
      grid-template-columns:minmax(0,.9fr) minmax(360px,1.1fr);
      gap:24px;
      align-items:stretch;
      padding:28px;
      border-radius:32px;
      background:
        radial-gradient(circle at 8% 12%,rgba(255,122,26,.18),transparent 32%),
        linear-gradient(135deg,#f8fafc,#fff);
      border:1px solid #dbeafe;
      box-shadow:0 20px 48px rgba(15,23,42,.08);
    }

    .umr-cta-copy{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#0b1f3a,#12335f);
      color:#fff;
    }

    .umr-cta-copy h2{
      color:#fff;
    }

    .umr-cta-copy p{
      color:#e2e8f0;
    }

    .umr-form-grid{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:14px;
    }

    .umr-field label{
      display:block;
      margin:0 0 6px;
      color:#0b1f3a;
      font-size:14px;
      line-height:1.35;
      font-weight:850;
    }

    .umr-field select,
    .umr-field input{
      width:100%;
      min-height:46px;
      border:1px solid #cbd5e1;
      border-radius:12px;
      background:#fff;
      color:#0f172a;
      padding:0 12px;
      font-size:15px;
      outline:none;
    }

    .umr-price-box{
      margin:16px 0 0;
      padding:20px;
      border-radius:20px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
    }

    .umr-price-box strong{
      display:block;
      color:#9a3412;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      margin-bottom:4px;
    }

    .umr-price-box span{
      display:block;
      color:#0b1f3a;
      font-size:34px;
      line-height:1.1;
      font-weight:950;
    }

    .umr-actions{
      display:flex;
      flex-wrap:wrap;
      gap:10px;
      margin-top:16px;
    }

    .umr-btn,
    .umr-link-btn{
      display:inline-flex;
      align-items:center;
      justify-content:center;
      min-height:46px;
      border:0;
      border-radius:12px;
      padding:0 18px;
      background:#ff7a1a;
      color:#fff!important;
      font-size:15px;
      font-weight:850;
      cursor:pointer;
      text-decoration:none!important;
      -webkit-text-fill-color:#fff;
    }

    .umr-link-btn{
      width:100%;
      background:#0b67ae;
    }

    .umr-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .umr-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .umr-refs h3{
      margin:0 0 12px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .umr-refs ol{
      margin:0;
      padding-left:20px;
    }

    .umr-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .umr-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .umr-author-top,
      .umr-hero-layout,
      .umr-proof-row,
      .umr-grid-2,
      .umr-grid-3,
      .umr-warning-grid,
      .umr-channel-band,
      .umr-cta{
        grid-template-columns:1fr;
      }

      .umr-author-date{
        text-align:left;
        white-space:normal;
        padding-top:0;
      }

      .umr-author-role{
        padding-left:0;
      }

      .umr-proof{
        border-right:0;
        border-bottom:1px solid #e2e8f0;
      }

      .umr-proof:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .umr-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .umr-page h2{
        font-size:28px;
      }

      .umr-hero-copy,
      .umr-channel-band,
      .umr-cta,
      .umr-cta-copy{
        padding:22px;
      }

      .umr-hero-copy h2{
        font-size:31px;
      }

      .umr-risk-line,
      .umr-form-grid{
        grid-template-columns:1fr;
      }
    }

/* impact-of-uninsured-motorist-coverage-high-risk-areas */
.hra-page,
    .hra-page *{
      box-sizing:border-box;
    }

    .hra-page{
      max-width:1160px;
      margin:0 auto;
      padding:0 22px 58px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .hra-page p{
      margin:0 0 18px;
    }

    .hra-page h2{
      margin:0 0 16px;
      color:#0b1f3a;
      font-size:33px;
      line-height:1.16;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .hra-page h3{
      margin:0 0 11px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.22;
      font-weight:850;
    }

    .hra-page h4{
      margin:0 0 8px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .hra-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .hra-author-card{
      margin:18px 0 32px;
      border-radius:22px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
    }

    .hra-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 48%,#fff7ed 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .hra-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .hra-author-label{
      display:inline-flex;
      margin:0 0 7px;
      padding:6px 11px;
      border-radius:999px;
      background:#0b1f3a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .hra-author-name{
      margin:0;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .hra-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .hra-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .hra-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .hra-author-body details{
      margin:0;
    }

    .hra-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .hra-author-body summary::-webkit-details-marker{
      display:none;
    }

    .hra-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .hra-author-body details[open] .hra-caret{
      transform:rotate(180deg);
    }

    .hra-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:820px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .hra-author-panel p{
      margin:0 0 10px!important;
    }

    .hra-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .hra-hero{
      margin:0 0 38px;
      border-radius:34px;
      overflow:hidden;
      background:#0b1f3a;
      border:1px solid #dbeafe;
      box-shadow:0 22px 54px rgba(15,23,42,.12);
    }

    .hra-hero-grid{
      display:grid;
      grid-template-columns:minmax(0,.9fr) minmax(360px,1.1fr);
      min-height:440px;
    }

    .hra-hero-image{
      position:relative;
      min-height:440px;
      background:#0b1f3a;
    }

    .hra-hero-image img{
      width:100%;
      height:100%;
      min-height:440px;
      display:block;
      object-fit:cover;
    }

    .hra-hero-image:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(90deg,rgba(8,26,51,.08),rgba(8,26,51,.38));
      pointer-events:none;
    }

    .hra-map-card{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:14px 16px;
      border-radius:18px;
      background:rgba(255,255,255,.88);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 12px 30px rgba(15,23,42,.14);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .hra-hero-copy{
      padding:40px;
      background:
        radial-gradient(circle at 12% 14%,rgba(255,122,26,.28),transparent 34%),
        radial-gradient(circle at 92% 86%,rgba(59,130,246,.28),transparent 36%),
        linear-gradient(135deg,#081a33 0%,#0b1f3a 58%,#12335f 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .hra-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.15);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .hra-hero-copy h2{
      color:#fff;
      font-size:38px;
      max-width:720px;
    }

    .hra-hero-copy p{
      color:#eaf2ff;
      max-width:720px;
    }

    .hra-hero-copy a{
      color:#bfdbfe;
    }

    .hra-lede{
      font-size:18px;
      line-height:1.72;
    }

    .hra-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:0;
      background:#fff;
      border-top:1px solid rgba(226,232,240,.28);
    }

    .hra-stat{
      padding:18px 20px;
      border-right:1px solid #e2e8f0;
      background:#fff;
    }

    .hra-stat:nth-child(2){
      background:#eff6ff;
    }

    .hra-stat:nth-child(3){
      background:#fff7ed;
    }

    .hra-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .hra-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .hra-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .hra-note{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .hra-note strong{
      color:#9a3412;
      font-weight:900;
    }

    .hra-section{
      margin:46px 0;
    }

    .hra-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .hra-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .hra-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .hra-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .hra-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .hra-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .hra-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .hra-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .hra-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .hra-card p:last-child{
      margin-bottom:0;
    }

    .hra-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .hra-list li{
      margin:0 0 12px;
    }

    .hra-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .hra-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .hra-table th,
    .hra-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .hra-table th{
      background:#0b1f3a;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .hra-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .hra-table tr:last-child td{
      border-bottom:0;
    }

    .hra-side-layout{
      display:grid;
      grid-template-columns:320px minmax(0,1fr);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .hra-side-card{
      position:sticky;
      top:18px;
      padding:22px;
      border-radius:24px;
      background:linear-gradient(135deg,#0b1f3a,#12335f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.18);
    }

    .hra-side-card h3{
      color:#fff;
    }

    .hra-side-card p,
    .hra-side-card li{
      color:#e2e8f0;
      font-size:15px;
      line-height:1.6;
    }

    .hra-roadmap{
      margin:28px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .hra-roadmap-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .hra-roadmap-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#eef6ff;
      color:#0b67ae;
      font-size:18px;
      font-weight:950;
    }

    .hra-roadmap-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .hra-video-band{
      margin:44px 0;
      display:grid;
      grid-template-columns:minmax(0,.9fr) minmax(340px,1.1fr);
      gap:24px;
      align-items:center;
      padding:26px;
      border-radius:30px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 100%);
      border:1px solid #dbeafe;
      box-shadow:0 18px 42px rgba(15,23,42,.065);
    }

    .hra-video-copy{
      padding:10px;
    }

    .hra-video-frame{
      position:relative;
      width:100%;
      padding-bottom:56.25%;
      border-radius:22px;
      overflow:hidden;
      background:#0b1f3a;
      box-shadow:0 16px 38px rgba(15,23,42,.16);
    }

    .hra-video-frame iframe{
      position:absolute;
      inset:0;
      width:100%;
      height:100%;
      border:0;
    }

    .hra-quote{
      margin:30px 0;
      padding:24px;
      border-radius:26px;
      background:linear-gradient(135deg,#f5f3ff,#ffffff);
      border:1px solid #ddd6fe;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .hra-quote blockquote{
      margin:0;
      color:#4c1d95;
      font-size:20px;
      line-height:1.55;
      font-style:italic;
      font-weight:750;
    }

    .hra-quote figcaption{
      margin-top:12px;
      color:#64748b;
      font-size:14px;
      font-weight:800;
    }

    .hra-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .hra-faq summary{
      cursor:pointer;
      color:#0b1f3a;
      font-weight:850;
      list-style:none;
    }

    .hra-faq summary::-webkit-details-marker{
      display:none;
    }

    .hra-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .hra-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .hra-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .hra-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .hra-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .hra-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .hra-final-form input,
    .hra-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .hra-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .hra-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .hra-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .hra-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .hra-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .hra-refs h3{
      margin:0 0 12px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .hra-refs ol{
      margin:0;
      padding-left:20px;
    }

    .hra-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .hra-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .hra-author-top,
      .hra-hero-grid,
      .hra-stat-strip,
      .hra-grid-2,
      .hra-grid-3,
      .hra-side-layout,
      .hra-roadmap,
      .hra-video-band{
        grid-template-columns:1fr;
      }

      .hra-author-date{
        text-align:left;
        white-space:normal;
      }

      .hra-side-card{
        position:relative;
        top:auto;
      }

      .hra-stat{
        border-right:0;
        border-bottom:1px solid #e2e8f0;
      }

      .hra-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .hra-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .hra-page h2{
        font-size:28px;
      }

      .hra-hero-copy,
      .hra-video-band{
        padding:22px;
      }

      .hra-hero-copy h2{
        font-size:31px;
      }

      .hra-form-col,
      .hra-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }

/* reassess-uninsured-motorist-coverage-needs */
.umr-page,
    .umr-page *{
      box-sizing:border-box;
    }

    .umr-page{
      max-width:1160px;
      margin:0 auto;
      padding:0 22px 58px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .umr-page p{
      margin:0 0 18px;
    }

    .umr-page h2{
      margin:0 0 16px;
      color:#0b1f3a;
      font-size:33px;
      line-height:1.16;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .umr-page h3{
      margin:0 0 11px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.22;
      font-weight:850;
    }

    .umr-page h4{
      margin:0 0 8px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .umr-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .umr-author-card{
      margin:18px 0 32px;
      border-radius:22px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
    }

    .umr-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#fff7ed 0%,#f8fafc 48%,#eef6ff 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .umr-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .umr-author-label{
      display:inline-flex;
      margin:0 0 7px;
      padding:6px 11px;
      border-radius:999px;
      background:#0b1f3a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .umr-author-name{
      margin:0;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .umr-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .umr-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .umr-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .umr-author-body details{
      margin:0;
    }

    .umr-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .umr-author-body summary::-webkit-details-marker{
      display:none;
    }

    .umr-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .umr-author-body details[open] .umr-caret{
      transform:rotate(180deg);
    }

    .umr-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:820px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .umr-author-panel p{
      margin:0 0 10px!important;
    }

    .umr-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .umr-hero{
      margin:0 0 38px;
      border-radius:34px;
      overflow:hidden;
      background:#0b1f3a;
      border:1px solid #dbeafe;
      box-shadow:0 22px 54px rgba(15,23,42,.12);
    }

    .umr-hero-grid{
      display:grid;
      grid-template-columns:minmax(0,1fr) minmax(360px,.92fr);
      min-height:438px;
    }

    .umr-hero-copy{
      padding:40px;
      background:
        radial-gradient(circle at 12% 16%,rgba(255,122,26,.28),transparent 34%),
        radial-gradient(circle at 88% 86%,rgba(59,130,246,.28),transparent 36%),
        linear-gradient(135deg,#081a33 0%,#0b1f3a 58%,#12335f 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .umr-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.15);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .umr-hero-copy h2{
      color:#fff;
      font-size:38px;
      max-width:720px;
    }

    .umr-hero-copy p{
      color:#eaf2ff;
      max-width:720px;
    }

    .umr-hero-copy a{
      color:#bfdbfe;
    }

    .umr-lede{
      font-size:18px;
      line-height:1.72;
    }

    .umr-hero-media{
      background:#fff;
      display:flex;
      flex-direction:column;
    }

    .umr-hero-media figure{
      margin:0;
      flex:1;
      display:flex;
      flex-direction:column;
    }

    .umr-hero-media img{
      display:block;
      width:100%;
      height:100%;
      min-height:360px;
      object-fit:cover;
      flex:1;
    }

    .umr-hero-media figcaption{
      margin:0;
      padding:13px 15px;
      color:#475569;
      background:#f8fafc;
      font-size:13px;
      line-height:1.45;
      border-top:1px solid #e2e8f0;
    }

    .umr-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:0;
      background:#fff;
      border-top:1px solid rgba(226,232,240,.28);
    }

    .umr-stat{
      padding:18px 20px;
      border-right:1px solid #e2e8f0;
      background:#fff;
    }

    .umr-stat:nth-child(2){
      background:#eff6ff;
    }

    .umr-stat:nth-child(3){
      background:#fff7ed;
    }

    .umr-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .umr-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .umr-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .umr-note{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .umr-note strong{
      color:#9a3412;
      font-weight:900;
    }

    .umr-section{
      margin:46px 0;
    }

    .umr-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .umr-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .umr-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .umr-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .umr-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .umr-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .umr-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .umr-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .umr-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .umr-card p:last-child{
      margin-bottom:0;
    }

    .umr-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .umr-list li{
      margin:0 0 12px;
    }

    .umr-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .umr-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .umr-table th,
    .umr-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .umr-table th{
      background:#0b1f3a;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .umr-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .umr-table tr:last-child td{
      border-bottom:0;
    }

    .umr-side-layout{
      display:grid;
      grid-template-columns:minmax(0,1fr) 320px;
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .umr-side-card{
      position:sticky;
      top:18px;
      padding:22px;
      border-radius:24px;
      background:linear-gradient(135deg,#0b1f3a,#12335f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.18);
    }

    .umr-side-card h3{
      color:#fff;
    }

    .umr-side-card p,
    .umr-side-card li{
      color:#e2e8f0;
      font-size:15px;
      line-height:1.6;
    }

    .umr-roadmap{
      margin:28px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .umr-roadmap-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .umr-roadmap-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#eef6ff;
      color:#0b67ae;
      font-size:18px;
      font-weight:950;
    }

    .umr-roadmap-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .umr-video-band{
      margin:44px 0;
      display:grid;
      grid-template-columns:minmax(0,.9fr) minmax(340px,1.1fr);
      gap:24px;
      align-items:center;
      padding:26px;
      border-radius:30px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 100%);
      border:1px solid #dbeafe;
      box-shadow:0 18px 42px rgba(15,23,42,.065);
    }

    .umr-video-copy{
      padding:10px;
    }

    .umr-video-frame{
      position:relative;
      width:100%;
      padding-bottom:56.25%;
      border-radius:22px;
      overflow:hidden;
      background:#0b1f3a;
      box-shadow:0 16px 38px rgba(15,23,42,.16);
    }

    .umr-video-frame iframe{
      position:absolute;
      inset:0;
      width:100%;
      height:100%;
      border:0;
    }

    .umr-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .umr-faq summary{
      cursor:pointer;
      color:#0b1f3a;
      font-weight:850;
      list-style:none;
    }

    .umr-faq summary::-webkit-details-marker{
      display:none;
    }

    .umr-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .umr-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .umr-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .umr-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .umr-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .umr-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .umr-final-form input,
    .umr-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .umr-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .umr-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .umr-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .umr-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .umr-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .umr-refs h3{
      margin:0 0 12px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .umr-refs ol{
      margin:0;
      padding-left:20px;
    }

    .umr-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .umr-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .umr-author-top,
      .umr-hero-grid,
      .umr-stat-strip,
      .umr-grid-2,
      .umr-grid-3,
      .umr-side-layout,
      .umr-roadmap,
      .umr-video-band{
        grid-template-columns:1fr;
      }

      .umr-author-date{
        text-align:left;
        white-space:normal;
      }

      .umr-side-card{
        position:relative;
        top:auto;
      }

      .umr-stat{
        border-right:0;
        border-bottom:1px solid #e2e8f0;
      }

      .umr-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .umr-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .umr-page h2{
        font-size:28px;
      }

      .umr-hero-copy,
      .umr-video-band{
        padding:22px;
      }

      .umr-hero-copy h2{
        font-size:31px;
      }

      .umr-form-col,
      .umr-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }

/* Choose-best-auto-insurance-new-drivers */
.newdriver-page,
    .newdriver-page *{
      box-sizing:border-box;
    }

    .newdriver-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 60px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .newdriver-page p{
      margin:0 0 18px;
    }

    .newdriver-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
    }

    .newdriver-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .newdriver-page h3{
      margin:0 0 10px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .newdriver-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .newdriver-author-card{
      margin:18px 0 30px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .newdriver-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#eff6ff 0%,#ffffff 48%,#fff7ed 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .newdriver-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .newdriver-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#1e3a8a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .newdriver-author-name{
      margin:0;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .newdriver-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .newdriver-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .newdriver-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .newdriver-author-body details{
      margin:0;
    }

    .newdriver-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#b45309;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .newdriver-author-body summary::-webkit-details-marker{
      display:none;
    }

    .newdriver-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .newdriver-author-body details[open] .newdriver-caret{
      transform:rotate(180deg);
    }

    .newdriver-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .newdriver-author-panel p{
      margin:0 0 10px!important;
    }

    .newdriver-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .newdriver-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#eff6ff;
      border:1px solid #bfdbfe;
      color:#1e40af;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .newdriver-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#111827;
      border:1px solid #bfdbfe;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .newdriver-hero-grid{
      display:grid;
      grid-template-columns:minmax(0,1.05fr) minmax(330px,.95fr);
      min-height:500px;
    }

    .newdriver-hero-copy{
      padding:46px;
      background:
        radial-gradient(circle at 16% 20%,rgba(59,130,246,.27),transparent 35%),
        radial-gradient(circle at 88% 88%,rgba(251,146,60,.24),transparent 38%),
        linear-gradient(135deg,#111827 0%,#1f2937 54%,#1e3a8a 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .newdriver-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .newdriver-hero-copy h2{
      color:#fff;
      font-size:42px;
      max-width:760px;
    }

    .newdriver-hero-copy p{
      color:#f8fafc;
      max-width:760px;
    }

    .newdriver-hero-copy a{
      color:#fed7aa;
    }

    .newdriver-lede{
      font-size:18px;
      line-height:1.75;
    }

    .newdriver-hero-media{
      position:relative;
      min-height:500px;
      background:#111827;
    }

    .newdriver-hero-media img{
      width:100%;
      height:100%;
      min-height:500px;
      display:block;
      object-fit:cover;
    }

    .newdriver-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(180deg,rgba(15,23,42,.02),rgba(15,23,42,.48));
      pointer-events:none;
    }

    .newdriver-hero-note{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.94);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 14px 32px rgba(15,23,42,.18);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .newdriver-hero-note strong{
      display:block;
      color:#0f172a;
      font-size:15px;
      margin-bottom:5px;
    }

    .newdriver-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .newdriver-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .newdriver-stat:nth-child(2){
      background:#eff6ff;
    }

    .newdriver-stat:nth-child(3){
      background:#fff7ed;
    }

    .newdriver-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .newdriver-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .newdriver-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .newdriver-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#eff6ff;
      border:1px solid #bfdbfe;
      color:#1e3a8a;
      box-shadow:0 12px 30px rgba(30,58,138,.055);
    }

    .newdriver-alert strong{
      color:#1d4ed8;
      font-weight:900;
    }

    .newdriver-section{
      margin:46px 0;
    }

    .newdriver-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .newdriver-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .newdriver-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .newdriver-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .newdriver-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .newdriver-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .newdriver-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .newdriver-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .newdriver-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .newdriver-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .newdriver-card p:last-child{
      margin-bottom:0;
    }

    .newdriver-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .newdriver-list li{
      margin:0 0 12px;
    }

    .newdriver-split{
      display:grid;
      grid-template-columns:minmax(280px,360px) minmax(0,1fr);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .newdriver-side-card{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#1e3a8a,#0f172a);
      color:#fff;
      box-shadow:0 18px 42px rgba(30,58,138,.18);
    }

    .newdriver-side-card h3{
      color:#fff;
    }

    .newdriver-side-card p,
    .newdriver-side-card li{
      color:#e5e7eb;
      font-size:15px;
      line-height:1.6;
    }

    .newdriver-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .newdriver-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .newdriver-table th,
    .newdriver-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .newdriver-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .newdriver-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .newdriver-table tr:last-child td{
      border-bottom:0;
    }

    .newdriver-steps{
      margin:24px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .newdriver-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .newdriver-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#eff6ff;
      color:#1d4ed8;
      font-size:18px;
      font-weight:950;
    }

    .newdriver-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .newdriver-summary{
      margin:42px 0;
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border:1px solid #bbf7d0;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .newdriver-summary h2{
      font-size:26px;
      margin-bottom:12px;
    }

    .newdriver-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .newdriver-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .newdriver-faq summary::-webkit-details-marker{
      display:none;
    }

    .newdriver-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .newdriver-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .newdriver-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .newdriver-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .newdriver-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .newdriver-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .newdriver-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .newdriver-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .newdriver-final-form input,
    .newdriver-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .newdriver-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .newdriver-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .newdriver-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .newdriver-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .newdriver-refs ol{
      margin:0;
      padding-left:20px;
    }

    .newdriver-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .newdriver-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .newdriver-author-top,
      .newdriver-hero-grid,
      .newdriver-stat-strip,
      .newdriver-grid-2,
      .newdriver-grid-3,
      .newdriver-split,
      .newdriver-steps{
        grid-template-columns:1fr;
      }

      .newdriver-author-date{
        text-align:left;
        white-space:normal;
      }

      .newdriver-hero-media{
        order:-1;
      }

      .newdriver-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .newdriver-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .newdriver-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .newdriver-page h2{
        font-size:28px;
      }

      .newdriver-hero-copy{
        padding:24px;
      }

      .newdriver-hero-copy h2{
        font-size:31px;
      }

      .newdriver-form-col,
      .newdriver-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }

/* loya-insurance-discounts-new-drivers */
.nyd-page,
    .nyd-page *{
      box-sizing:border-box;
    }

    .nyd-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 58px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .nyd-page p{
      margin:0 0 18px;
    }

    .nyd-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
    }

    .nyd-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .nyd-page h3{
      margin:0 0 10px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .nyd-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .nyd-author-card{
      margin:18px 0 30px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .nyd-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#ecfdf5 0%,#ffffff 48%,#fff7ed 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .nyd-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .nyd-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#065f46;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .nyd-author-name{
      margin:0;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .nyd-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .nyd-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .nyd-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .nyd-author-body details{
      margin:0;
    }

    .nyd-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#b45309;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .nyd-author-body summary::-webkit-details-marker{
      display:none;
    }

    .nyd-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .nyd-author-body details[open] .nyd-caret{
      transform:rotate(180deg);
    }

    .nyd-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .nyd-author-panel p{
      margin:0 0 10px!important;
    }

    .nyd-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .nyd-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#ecfdf5;
      border:1px solid #bbf7d0;
      color:#166534;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .nyd-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#0f172a;
      border:1px solid #dbeafe;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .nyd-hero-grid{
      display:grid;
      grid-template-columns:minmax(350px,.95fr) minmax(0,1.05fr);
      min-height:470px;
    }

    .nyd-hero-media{
      position:relative;
      min-height:470px;
      background:#111827;
    }

    .nyd-hero-media img{
      width:100%;
      height:100%;
      min-height:470px;
      display:block;
      object-fit:cover;
    }

    .nyd-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(180deg,rgba(15,23,42,.02),rgba(15,23,42,.45));
      pointer-events:none;
    }

    .nyd-hero-note{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.94);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 14px 32px rgba(15,23,42,.18);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .nyd-hero-note strong{
      display:block;
      color:#0f172a;
      font-size:15px;
      margin-bottom:5px;
    }

    .nyd-hero-copy{
      padding:44px;
      background:
        radial-gradient(circle at 88% 14%,rgba(34,197,94,.23),transparent 34%),
        radial-gradient(circle at 12% 88%,rgba(251,146,60,.22),transparent 36%),
        linear-gradient(135deg,#0f172a 0%,#1f2937 55%,#064e3b 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .nyd-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .nyd-hero-copy h2{
      color:#fff;
      font-size:40px;
      max-width:720px;
    }

    .nyd-hero-copy p{
      color:#e5eefb;
      max-width:720px;
    }

    .nyd-hero-copy a{
      color:#bbf7d0;
    }

    .nyd-lede{
      font-size:18px;
      line-height:1.75;
    }

    .nyd-pill-row{
      display:flex;
      flex-wrap:wrap;
      gap:10px;
      margin:8px 0 0;
    }

    .nyd-pill{
      display:inline-flex;
      padding:8px 12px;
      border-radius:999px;
      background:rgba(255,255,255,.12);
      border:1px solid rgba(255,255,255,.18);
      color:#fff;
      font-size:13px;
      font-weight:800;
      line-height:1;
    }

    .nyd-stat-row{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .nyd-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .nyd-stat:nth-child(2){
      background:#eff6ff;
    }

    .nyd-stat:nth-child(3){
      background:#fff7ed;
    }

    .nyd-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .nyd-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .nyd-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .nyd-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#ecfdf5;
      border:1px solid #bbf7d0;
      color:#14532d;
      box-shadow:0 12px 30px rgba(20,83,45,.055);
    }

    .nyd-alert strong{
      color:#166534;
      font-weight:900;
    }

    .nyd-section{
      margin:46px 0;
    }

    .nyd-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .nyd-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .nyd-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .nyd-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .nyd-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .nyd-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .nyd-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .nyd-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .nyd-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .nyd-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .nyd-card p:last-child{
      margin-bottom:0;
    }

    .nyd-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .nyd-list li{
      margin:0 0 12px;
    }

    .nyd-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .nyd-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .nyd-table th,
    .nyd-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .nyd-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .nyd-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .nyd-table tr:last-child td{
      border-bottom:0;
    }

    .nyd-proof-strip{
      display:grid;
      grid-template-columns:1.05fr .95fr;
      gap:22px;
      align-items:stretch;
      margin:24px 0 0;
    }

    .nyd-proof-main{
      padding:26px;
      border-radius:26px;
      background:linear-gradient(135deg,#064e3b,#0f766e);
      color:#fff;
      box-shadow:0 18px 42px rgba(6,78,59,.16);
    }

    .nyd-proof-main h3{
      color:#fff;
    }

    .nyd-proof-main p,
    .nyd-proof-main li{
      color:#e5e7eb;
    }

    .nyd-step-wrap{
      margin:24px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .nyd-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .nyd-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#ecfdf5;
      color:#047857;
      font-size:18px;
      font-weight:950;
    }

    .nyd-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .nyd-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .nyd-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .nyd-faq summary::-webkit-details-marker{
      display:none;
    }

    .nyd-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .nyd-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .nyd-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .nyd-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .nyd-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .nyd-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .nyd-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .nyd-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .nyd-final-form input,
    .nyd-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .nyd-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .nyd-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .nyd-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .nyd-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .nyd-refs ol{
      margin:0;
      padding-left:20px;
    }

    .nyd-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .nyd-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .nyd-author-top,
      .nyd-hero-grid,
      .nyd-stat-row,
      .nyd-grid-2,
      .nyd-grid-3,
      .nyd-proof-strip,
      .nyd-step-wrap{
        grid-template-columns:1fr;
      }

      .nyd-author-date{
        text-align:left;
        white-space:normal;
      }

      .nyd-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .nyd-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .nyd-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .nyd-page h2{
        font-size:28px;
      }

      .nyd-hero-copy{
        padding:24px;
      }

      .nyd-hero-copy h2{
        font-size:31px;
      }

      .nyd-form-col,
      .nyd-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }

/* car-insurance-under-parents-name */
.loya-teen-policy-page-wrap,
    .loya-teen-policy-page-wrap *{
      box-sizing:border-box;
    }

    .loya-teen-policy-page-wrap{
      max-width:1180px;
      margin:0 auto;
      padding:0 24px 52px;
      color:#0f172a;
      font-size:17px;
      line-height:1.72;
    }

    .loya-teen-policy-page-wrap p{
      margin:0 0 18px;
    }

    .loya-teen-policy-page-wrap h2{
      margin:0 0 18px;
      color:#082044;
      font-size:34px;
      line-height:1.14;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .loya-teen-policy-page-wrap h3{
      margin:0 0 12px;
      color:#082044;
      font-size:22px;
      line-height:1.22;
      font-weight:850;
    }

    .loya-teen-policy-page-wrap a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .loya-teen-editorial-card{
      margin:18px 0 30px;
      border-radius:22px;
      overflow:hidden;
      border:1px solid #e2e8f0;
      background:#fff;
      box-shadow:0 16px 38px rgba(15,23,42,.07);
    }

    .loya-teen-editorial-top{
      height:7px;
      background:linear-gradient(90deg,#ff6600 0%,#0b67ae 48%,#082044 100%);
    }

    .loya-teen-editorial-body{
      display:grid;
      grid-template-columns:auto minmax(0,1fr) auto;
      gap:16px;
      align-items:flex-start;
      padding:18px 20px 17px;
    }

    .loya-teen-editorial-avatar{
      width:54px;
      height:54px;
      border-radius:18px;
      display:flex;
      align-items:center;
      justify-content:center;
      background:linear-gradient(135deg,#082044,#0b67ae);
      color:#fff;
      font-size:18px;
      font-weight:900;
      letter-spacing:.04em;
      box-shadow:0 12px 24px rgba(8,32,68,.20);
      flex:0 0 54px;
    }

    .loya-teen-editorial-label{
      display:inline-flex;
      align-items:center;
      margin:0 0 7px;
      padding:6px 10px;
      border-radius:999px;
      background:#fff7ed;
      color:#c2410c;
      font-size:12px;
      line-height:1;
      font-weight:850;
      text-transform:uppercase;
      letter-spacing:.035em;
    }

    .loya-teen-editorial-title{
      margin:0 0 4px;
      color:#082044;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .loya-teen-editorial-role{
      margin:0 0 8px!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .loya-teen-editorial-date{
      text-align:right;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      white-space:nowrap;
      padding-top:4px;
    }

    .loya-teen-editorial-details{
      margin:5px 0 0;
    }

    .loya-teen-editorial-details summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:7px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .loya-teen-editorial-details summary::-webkit-details-marker{
      display:none;
    }

    .loya-teen-editorial-details summary::marker{
      content:"";
    }

    .loya-teen-editorial-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .loya-teen-editorial-details[open] .loya-teen-editorial-caret{
      transform:rotate(180deg);
    }

    .loya-teen-editorial-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:780px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .loya-teen-editorial-panel p{
      margin:0 0 10px!important;
    }

    .loya-teen-editorial-panel p:last-child{
      margin-bottom:0!important;
    }

    .loya-teen-hero{
      display:grid;
      grid-template-columns:minmax(0,1.02fr) minmax(320px,.98fr);
      gap:28px;
      align-items:stretch;
      margin:0 0 38px;
    }

    .loya-teen-hero-copy{
      padding:30px;
      border-radius:28px;
      background:linear-gradient(135deg,#eef6ff 0%,#ffffff 56%,#fff7ed 100%);
      border:1px solid #dbeafe;
      box-shadow:0 18px 42px rgba(15,23,42,.07);
    }

    .loya-teen-eyebrow{
      display:inline-flex;
      align-items:center;
      padding:8px 14px;
      border-radius:999px;
      background:#082044;
      color:#fff;
      font-size:13px;
      font-weight:850;
      letter-spacing:.035em;
      text-transform:uppercase;
      margin:0 0 18px;
    }

    .loya-teen-lede{
      color:#334155;
      font-size:18px;
      line-height:1.72;
    }

    .loya-teen-image-card{
      position:relative;
      border-radius:28px;
      overflow:hidden;
      border:1px solid #e2e8f0;
      background:#fff;
      min-height:100%;
      box-shadow:0 18px 42px rgba(15,23,42,.08);
    }

    .loya-teen-image-card img{
      display:block;
      width:100%;
      height:100%;
      min-height:420px;
      object-fit:cover;
    }

    .loya-teen-image-caption{
      position:absolute;
      left:16px;
      right:16px;
      bottom:16px;
      margin:0!important;
      padding:12px 14px;
      border-radius:16px;
      background:rgba(8,32,68,.78);
      color:#fff;
      font-size:13px;
      line-height:1.45;
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .loya-teen-mini-stats{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:16px;
      margin:0 0 40px;
    }

    .loya-teen-stat{
      padding:20px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.055);
    }

    .loya-teen-stat strong{
      display:block;
      margin:0 0 6px;
      color:#082044;
      font-size:25px;
      line-height:1.1;
      font-weight:950;
    }

    .loya-teen-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.55;
    }

    .loya-teen-section{
      margin:44px 0;
    }

    .loya-teen-callout{
      margin:24px 0;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.06);
    }

    .loya-teen-callout strong{
      color:#9a3412;
      font-weight:900;
    }

    .loya-teen-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:22px;
      margin:24px 0 0;
    }

    .loya-teen-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .loya-teen-card{
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
      height:100%;
    }

    .loya-teen-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .loya-teen-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .loya-teen-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .loya-teen-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .loya-teen-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .loya-teen-card p:last-child{
      margin-bottom:0;
    }

    .loya-teen-list,
    .loya-teen-numbered{
      margin:0 0 20px;
      padding-left:22px;
    }

    .loya-teen-list li,
    .loya-teen-numbered li{
      margin:0 0 12px;
    }

    .loya-teen-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .loya-teen-table{
      width:100%;
      border-collapse:collapse;
      min-width:760px;
    }

    .loya-teen-table th,
    .loya-teen-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .loya-teen-table th{
      background:#082044;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .loya-teen-table tr:last-child td{
      border-bottom:0;
    }

    .loya-teen-band{
      margin:44px 0;
      padding:28px;
      border-radius:28px;
      background:linear-gradient(135deg,#082044,#12335f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.22);
    }

    .loya-teen-band h2{
      color:#fff;
    }

    .loya-teen-band p{
      color:#e2e8f0;
    }

    .loya-teen-band .loya-teen-card{
      background:rgba(255,255,255,.10);
      border-color:rgba(255,255,255,.22);
      box-shadow:none;
    }

    .loya-teen-band .loya-teen-card h3{
      color:#fff;
    }

    .loya-teen-band .loya-teen-card p,
    .loya-teen-band .loya-teen-card li{
      color:#e2e8f0;
    }

    .loya-teen-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .loya-teen-faq summary{
      cursor:pointer;
      color:#082044;
      font-weight:850;
      list-style:none;
    }

    .loya-teen-faq summary::-webkit-details-marker{
      display:none;
    }

    .loya-teen-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .loya-teen-cta{
      margin:44px auto 12px;
      max-width:800px;
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#111827 0%,#082044 100%);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.24);
      text-align:center;
    }

    .loya-teen-cta-title{
      display:block;
      margin:0 0 8px;
      color:#fff!important;
      font-size:29px;
      line-height:1.12;
      font-weight:950;
      letter-spacing:-.02em;
    }

    .loya-teen-cta-text{
      display:block;
      margin:0 0 15px;
      color:#e2e8f0!important;
      font-size:15px;
      line-height:1.55;
    }

    .loya-teen-cta-form{
      display:flex;
      justify-content:center;
      align-items:center;
      flex-wrap:wrap;
      gap:10px;
      margin:0;
      padding:0;
    }

    .loya-teen-cta-input{
      width:180px;
      height:46px;
      border:0;
      border-radius:12px;
      background:#f8fafc;
      color:#0f172a;
      padding:0 13px;
      font-size:15px;
      outline:none;
    }

    .loya-teen-cta-btn{
      height:46px;
      border:0;
      border-radius:12px;
      background:#ff7a1a;
      color:#fff!important;
      font-size:15px;
      font-weight:850;
      padding:0 20px;
      cursor:pointer;
      -webkit-text-fill-color:#fff;
    }

    .loya-teen-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .loya-teen-refs h3{
      margin:0 0 12px;
      color:#082044;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .loya-teen-refs ol{
      margin:0;
      padding-left:20px;
    }

    .loya-teen-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .loya-teen-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .loya-teen-hero,
      .loya-teen-mini-stats,
      .loya-teen-grid-2,
      .loya-teen-grid-3{
        grid-template-columns:1fr;
      }

      .loya-teen-editorial-body{
        grid-template-columns:auto minmax(0,1fr);
      }

      .loya-teen-editorial-date{
        grid-column:1 / -1;
        text-align:left;
        white-space:normal;
        padding-top:0;
      }

      .loya-teen-image-card img{
        min-height:300px;
      }
    }

    @media(max-width:640px){
      .loya-teen-policy-page-wrap{
        padding:0 18px 44px;
        font-size:16px;
      }

      .loya-teen-policy-page-wrap h2{
        font-size:28px;
      }

      .loya-teen-hero-copy,
      .loya-teen-band{
        padding:22px;
      }
    }

/* driving-records-high-risk-auto-insurance-premiums */
.drp-page,
    .drp-page *{
      box-sizing:border-box;
    }

    .drp-page{
      max-width:1160px;
      margin:0 auto;
      padding:0 22px 58px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .drp-page p{
      margin:0 0 18px;
    }

    .drp-page h2{
      margin:0 0 16px;
      color:#0b1f3a;
      font-size:33px;
      line-height:1.16;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .drp-page h3{
      margin:0 0 11px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.22;
      font-weight:850;
    }

    .drp-page h4{
      margin:0 0 8px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .drp-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .drp-author-card{
      margin:18px 0 32px;
      border-radius:22px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
    }

    .drp-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#fff7ed 0%,#f8fafc 48%,#eef6ff 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .drp-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .drp-author-label{
      display:inline-flex;
      margin:0 0 7px;
      padding:6px 11px;
      border-radius:999px;
      background:#0b1f3a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .drp-author-name{
      margin:0;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .drp-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .drp-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .drp-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .drp-author-body details{
      margin:0;
    }

    .drp-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .drp-author-body summary::-webkit-details-marker{
      display:none;
    }

    .drp-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .drp-author-body details[open] .drp-caret{
      transform:rotate(180deg);
    }

    .drp-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .drp-author-panel p{
      margin:0 0 10px!important;
    }

    .drp-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .drp-hero{
      margin:0 0 38px;
      border-radius:34px;
      overflow:hidden;
      background:#0b1f3a;
      border:1px solid #dbeafe;
      box-shadow:0 22px 54px rgba(15,23,42,.12);
    }

    .drp-hero-grid{
      display:grid;
      grid-template-columns:minmax(0,1.02fr) minmax(360px,.98fr);
      min-height:456px;
    }

    .drp-hero-copy{
      padding:42px;
      background:
        radial-gradient(circle at 12% 16%,rgba(255,122,26,.30),transparent 34%),
        radial-gradient(circle at 88% 86%,rgba(59,130,246,.28),transparent 36%),
        linear-gradient(135deg,#081a33 0%,#0b1f3a 58%,#12335f 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .drp-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.15);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .drp-hero-copy h2{
      color:#fff;
      font-size:38px;
      max-width:720px;
    }

    .drp-hero-copy p{
      color:#eaf2ff;
      max-width:720px;
    }

    .drp-hero-copy a{
      color:#bfdbfe;
    }

    .drp-lede{
      font-size:18px;
      line-height:1.72;
    }

    .drp-hero-media{
      position:relative;
      min-height:456px;
      background:#fff;
    }

    .drp-hero-media img{
      width:100%;
      height:100%;
      min-height:456px;
      display:block;
      object-fit:cover;
    }

    .drp-record-card{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.92);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 12px 30px rgba(15,23,42,.14);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .drp-record-card strong{
      display:block;
      color:#0b1f3a;
      font-size:15px;
      margin-bottom:5px;
    }

    .drp-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:0;
      background:#fff;
      border-top:1px solid rgba(226,232,240,.28);
    }

    .drp-stat{
      padding:18px 20px;
      border-right:1px solid #e2e8f0;
      background:#fff;
    }

    .drp-stat:nth-child(2){
      background:#eff6ff;
    }

    .drp-stat:nth-child(3){
      background:#fff7ed;
    }

    .drp-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .drp-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .drp-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .drp-note{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .drp-note strong{
      color:#9a3412;
      font-weight:900;
    }

    .drp-section{
      margin:46px 0;
    }

    .drp-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .drp-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .drp-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .drp-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .drp-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .drp-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .drp-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .drp-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .drp-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .drp-card p:last-child{
      margin-bottom:0;
    }

    .drp-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .drp-list li{
      margin:0 0 12px;
    }

    .drp-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .drp-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .drp-table th,
    .drp-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .drp-table th{
      background:#0b1f3a;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .drp-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .drp-table tr:last-child td{
      border-bottom:0;
    }

    .drp-side-layout{
      display:grid;
      grid-template-columns:minmax(0,1fr) 320px;
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .drp-side-card{
      position:sticky;
      top:18px;
      padding:22px;
      border-radius:24px;
      background:linear-gradient(135deg,#0b1f3a,#12335f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.18);
    }

    .drp-side-card h3{
      color:#fff;
    }

    .drp-side-card p,
    .drp-side-card li{
      color:#e2e8f0;
      font-size:15px;
      line-height:1.6;
    }

    .drp-roadmap{
      margin:28px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .drp-roadmap-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .drp-roadmap-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#eef6ff;
      color:#0b67ae;
      font-size:18px;
      font-weight:950;
    }

    .drp-roadmap-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .drp-quote{
      margin:30px 0;
      padding:24px;
      border-radius:26px;
      background:linear-gradient(135deg,#f5f3ff,#ffffff);
      border:1px solid #ddd6fe;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .drp-quote blockquote{
      margin:0;
      color:#4c1d95;
      font-size:20px;
      line-height:1.55;
      font-style:italic;
      font-weight:750;
    }

    .drp-quote figcaption{
      margin-top:12px;
      color:#64748b;
      font-size:14px;
      font-weight:800;
    }

    .drp-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .drp-faq summary{
      cursor:pointer;
      color:#0b1f3a;
      font-weight:850;
      list-style:none;
    }

    .drp-faq summary::-webkit-details-marker{
      display:none;
    }

    .drp-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .drp-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .drp-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .drp-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .drp-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .drp-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .drp-final-form input,
    .drp-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .drp-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .drp-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .drp-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .drp-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .drp-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .drp-refs h3{
      margin:0 0 12px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .drp-refs ol{
      margin:0;
      padding-left:20px;
    }

    .drp-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .drp-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .drp-author-top,
      .drp-hero-grid,
      .drp-stat-strip,
      .drp-grid-2,
      .drp-grid-3,
      .drp-side-layout,
      .drp-roadmap{
        grid-template-columns:1fr;
      }

      .drp-author-date{
        text-align:left;
        white-space:normal;
      }

      .drp-side-card{
        position:relative;
        top:auto;
      }

      .drp-stat{
        border-right:0;
        border-bottom:1px solid #e2e8f0;
      }

      .drp-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .drp-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .drp-page h2{
        font-size:28px;
      }

      .drp-hero-copy{
        padding:22px;
      }

      .drp-hero-copy h2{
        font-size:31px;
      }

      .drp-form-col,
      .drp-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }

/* driving-record-impact-insurance-rates */
.ldr-page,
    .ldr-page *{
      box-sizing:border-box;
    }

    .ldr-page{
      max-width:1160px;
      margin:0 auto;
      padding:0 22px 58px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .ldr-page p{
      margin:0 0 18px;
    }

    .ldr-page h2{
      margin:0 0 16px;
      color:#0b1f3a;
      font-size:33px;
      line-height:1.16;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .ldr-page h3{
      margin:0 0 11px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.22;
      font-weight:850;
    }

    .ldr-page h4{
      margin:0 0 8px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .ldr-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .ldr-author-card{
      margin:18px 0 32px;
      border-radius:22px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
    }

    .ldr-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 50%,#fff7ed 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .ldr-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .ldr-author-label{
      display:inline-flex;
      margin:0 0 7px;
      padding:6px 11px;
      border-radius:999px;
      background:#0b1f3a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .ldr-author-name{
      margin:0;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .ldr-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .ldr-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .ldr-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .ldr-author-body details{
      margin:0;
    }

    .ldr-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .ldr-author-body summary::-webkit-details-marker{
      display:none;
    }

    .ldr-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .ldr-author-body details[open] .ldr-caret{
      transform:rotate(180deg);
    }

    .ldr-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:820px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .ldr-author-panel p{
      margin:0 0 10px!important;
    }

    .ldr-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .ldr-hero{
      margin:0 0 38px;
      border-radius:34px;
      overflow:hidden;
      background:#0b1f3a;
      border:1px solid #dbeafe;
      box-shadow:0 22px 54px rgba(15,23,42,.12);
    }

    .ldr-hero-grid{
      display:grid;
      grid-template-columns:minmax(0,1.02fr) minmax(360px,.98fr);
      min-height:440px;
    }

    .ldr-hero-copy{
      padding:40px;
      background:
        radial-gradient(circle at 14% 16%,rgba(255,122,26,.30),transparent 34%),
        radial-gradient(circle at 88% 88%,rgba(59,130,246,.27),transparent 36%),
        linear-gradient(135deg,#081a33 0%,#0b1f3a 58%,#12335f 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .ldr-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.15);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .ldr-hero-copy h2{
      color:#fff;
      font-size:38px;
      max-width:720px;
    }

    .ldr-hero-copy p{
      color:#eaf2ff;
      max-width:720px;
    }

    .ldr-hero-copy a{
      color:#bfdbfe;
    }

    .ldr-lede{
      font-size:18px;
      line-height:1.72;
    }

    .ldr-hero-media{
      background:#fff;
      display:flex;
      flex-direction:column;
    }

    .ldr-hero-media figure{
      margin:0;
      flex:1;
      display:flex;
      flex-direction:column;
    }

    .ldr-hero-media img{
      display:block;
      width:100%;
      height:100%;
      min-height:360px;
      object-fit:cover;
      flex:1;
    }

    .ldr-hero-media figcaption{
      margin:0;
      padding:13px 15px;
      color:#475569;
      background:#f8fafc;
      font-size:13px;
      line-height:1.45;
      border-top:1px solid #e2e8f0;
    }

    .ldr-kpi-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:0;
      background:#fff;
      border-top:1px solid rgba(226,232,240,.28);
    }

    .ldr-kpi{
      padding:18px 20px;
      border-right:1px solid #e2e8f0;
      background:#fff;
    }

    .ldr-kpi:nth-child(2){
      background:#eff6ff;
    }

    .ldr-kpi:nth-child(3){
      background:#fff7ed;
    }

    .ldr-kpi:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .ldr-kpi strong{
      display:block;
      margin:0 0 4px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .ldr-kpi span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .ldr-note{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .ldr-note strong{
      color:#9a3412;
      font-weight:900;
    }

    .ldr-section{
      margin:46px 0;
    }

    .ldr-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .ldr-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .ldr-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .ldr-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .ldr-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .ldr-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .ldr-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .ldr-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .ldr-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .ldr-card p:last-child{
      margin-bottom:0;
    }

    .ldr-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .ldr-list li{
      margin:0 0 12px;
    }

    .ldr-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .ldr-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .ldr-table th,
    .ldr-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .ldr-table th{
      background:#0b1f3a;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .ldr-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .ldr-table tr:last-child td{
      border-bottom:0;
    }

    .ldr-side-layout{
      display:grid;
      grid-template-columns:minmax(0,1fr) 320px;
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .ldr-side-card{
      position:sticky;
      top:18px;
      padding:22px;
      border-radius:24px;
      background:linear-gradient(135deg,#0b1f3a,#12335f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.18);
    }

    .ldr-side-card h3{
      color:#fff;
    }

    .ldr-side-card p,
    .ldr-side-card li{
      color:#e2e8f0;
      font-size:15px;
      line-height:1.6;
    }

    .ldr-roadmap{
      margin:28px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .ldr-roadmap-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .ldr-roadmap-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#eef6ff;
      color:#0b67ae;
      font-size:18px;
      font-weight:950;
    }

    .ldr-roadmap-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .ldr-video-band{
      margin:44px 0;
      display:grid;
      grid-template-columns:minmax(0,.9fr) minmax(340px,1.1fr);
      gap:24px;
      align-items:center;
      padding:26px;
      border-radius:30px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 100%);
      border:1px solid #dbeafe;
      box-shadow:0 18px 42px rgba(15,23,42,.065);
    }

    .ldr-video-copy{
      padding:10px;
    }

    .ldr-video-frame{
      position:relative;
      width:100%;
      padding-bottom:56.25%;
      border-radius:22px;
      overflow:hidden;
      background:#0b1f3a;
      box-shadow:0 16px 38px rgba(15,23,42,.16);
    }

    .ldr-video-frame iframe{
      position:absolute;
      inset:0;
      width:100%;
      height:100%;
      border:0;
    }

    .ldr-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .ldr-faq summary{
      cursor:pointer;
      color:#0b1f3a;
      font-weight:850;
      list-style:none;
    }

    .ldr-faq summary::-webkit-details-marker{
      display:none;
    }

    .ldr-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .ldr-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .ldr-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .ldr-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .ldr-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .ldr-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .ldr-final-form input,
    .ldr-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .ldr-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .ldr-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .ldr-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .ldr-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .ldr-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .ldr-refs h3{
      margin:0 0 12px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .ldr-refs ol{
      margin:0;
      padding-left:20px;
    }

    .ldr-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .ldr-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .ldr-author-top,
      .ldr-hero-grid,
      .ldr-kpi-strip,
      .ldr-grid-2,
      .ldr-grid-3,
      .ldr-side-layout,
      .ldr-roadmap,
      .ldr-video-band{
        grid-template-columns:1fr;
      }

      .ldr-author-date{
        text-align:left;
        white-space:normal;
      }

      .ldr-side-card{
        position:relative;
        top:auto;
      }

      .ldr-kpi{
        border-right:0;
        border-bottom:1px solid #e2e8f0;
      }

      .ldr-kpi:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .ldr-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .ldr-page h2{
        font-size:28px;
      }

      .ldr-hero-copy,
      .ldr-video-band{
        padding:22px;
      }

      .ldr-hero-copy h2{
        font-size:31px;
      }

      .ldr-form-col,
      .ldr-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }

/* hidden-costs-loyalty-auto-insurance */
.loya-loyalty-article,
    .loya-loyalty-article *{
      box-sizing:border-box;
    }

    .loya-loyalty-article{
      max-width:1160px;
      margin:0 auto;
      padding:0 22px 58px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .loya-loyalty-article p{
      margin:0 0 18px;
    }

    .loya-loyalty-article h2{
      margin:0 0 16px;
      color:#0b1f3a;
      font-size:33px;
      line-height:1.16;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .loya-loyalty-article h3{
      margin:0 0 11px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.22;
      font-weight:850;
    }

    .loya-loyalty-article h4{
      margin:0 0 8px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .loya-loyalty-article a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .loya-author-card{
      margin:18px 0 32px;
      border-radius:22px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
    }

    .loya-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#fff7ed 0%,#f8fafc 46%,#eef6ff 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .loya-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .loya-author-label{
      display:inline-flex;
      margin:0 0 7px;
      padding:6px 11px;
      border-radius:999px;
      background:#0b1f3a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .loya-author-name{
      margin:0;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .loya-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .loya-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .loya-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .loya-author-body details{
      margin:0;
    }

    .loya-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .loya-author-body summary::-webkit-details-marker{
      display:none;
    }

    .loya-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .loya-author-body details[open] .loya-caret{
      transform:rotate(180deg);
    }

    .loya-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:820px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .loya-author-panel p{
      margin:0 0 10px!important;
    }

    .loya-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .loya-hero-shell{
      margin:0 0 38px;
      border-radius:32px;
      overflow:hidden;
      background:#0b1f3a;
      border:1px solid #dbeafe;
      box-shadow:0 22px 54px rgba(15,23,42,.12);
    }

    .loya-hero-grid{
      display:grid;
      grid-template-columns:minmax(0,.88fr) minmax(360px,1.12fr);
      min-height:430px;
    }

    .loya-hero-media{
      position:relative;
      min-height:430px;
      background:#0b1f3a;
    }

    .loya-hero-media img{
      width:100%;
      height:100%;
      min-height:430px;
      display:block;
      object-fit:cover;
    }

    .loya-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(90deg,rgba(8,26,51,.08),rgba(8,26,51,.45));
      pointer-events:none;
    }

    .loya-hero-caption{
      position:absolute;
      left:18px;
      bottom:18px;
      z-index:2;
      max-width:430px;
      padding:12px 14px;
      border-radius:16px;
      background:rgba(255,255,255,.86);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 12px 30px rgba(15,23,42,.13);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .loya-hero-copy{
      padding:38px;
      background:
        radial-gradient(circle at 92% 10%,rgba(255,122,26,.25),transparent 34%),
        radial-gradient(circle at 20% 92%,rgba(59,130,246,.28),transparent 32%),
        linear-gradient(135deg,#081a33 0%,#0b1f3a 62%,#12335f 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .loya-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.15);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .loya-hero-copy h2{
      color:#fff;
      font-size:38px;
      max-width:720px;
    }

    .loya-hero-copy p{
      color:#eaf2ff;
      max-width:700px;
    }

    .loya-hero-copy a{
      color:#bfdbfe;
    }

    .loya-lede{
      font-size:18px;
      line-height:1.72;
    }

    .loya-snapshot{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:0;
      background:#fff;
      border-top:1px solid rgba(226,232,240,.28);
    }

    .loya-snapshot-item{
      padding:18px 20px;
      border-right:1px solid #e2e8f0;
      background:#fff;
    }

    .loya-snapshot-item:nth-child(2){
      background:#eff6ff;
    }

    .loya-snapshot-item:nth-child(3){
      background:#fff7ed;
    }

    .loya-snapshot-item:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .loya-snapshot-item strong{
      display:block;
      margin:0 0 4px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .loya-snapshot-item span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .loya-note{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .loya-note strong{
      color:#9a3412;
      font-weight:900;
    }

    .loya-section{
      margin:46px 0;
    }

    .loya-section.narrow{
      max-width:920px;
      margin-left:auto;
      margin-right:auto;
    }

    .loya-pull-grid{
      display:grid;
      grid-template-columns:300px minmax(0,1fr);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .loya-pull-card{
      padding:22px;
      border-radius:24px;
      background:linear-gradient(135deg,#0b1f3a,#12335f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.18);
    }

    .loya-pull-card h3{
      color:#fff;
    }

    .loya-pull-card p,
    .loya-pull-card li{
      color:#e2e8f0;
      font-size:15px;
      line-height:1.6;
    }

    .loya-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .loya-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .loya-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .loya-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .loya-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .loya-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .loya-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .loya-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .loya-card p:last-child{
      margin-bottom:0;
    }

    .loya-list,
    .loya-numbered{
      margin:0 0 20px;
      padding-left:22px;
    }

    .loya-list li,
    .loya-numbered li{
      margin:0 0 12px;
    }

    .loya-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .loya-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .loya-table th,
    .loya-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .loya-table th{
      background:#0b1f3a;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .loya-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .loya-table tr:last-child td{
      border-bottom:0;
    }

    .loya-timeline{
      margin:28px 0 0;
      display:grid;
      gap:14px;
    }

    .loya-timeline-step{
      display:grid;
      grid-template-columns:54px minmax(0,1fr);
      gap:16px;
      align-items:start;
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .loya-timeline-step span{
      width:42px;
      height:42px;
      display:flex;
      align-items:center;
      justify-content:center;
      border-radius:16px;
      background:#eef6ff;
      color:#0b67ae;
      font-size:18px;
      font-weight:950;
    }

    .loya-timeline-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .loya-video-band{
      margin:44px 0;
      display:grid;
      grid-template-columns:minmax(0,.9fr) minmax(340px,1.1fr);
      gap:24px;
      align-items:center;
      padding:26px;
      border-radius:30px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 100%);
      border:1px solid #dbeafe;
      box-shadow:0 18px 42px rgba(15,23,42,.065);
    }

    .loya-video-copy{
      padding:10px;
    }

    .loya-video-frame{
      position:relative;
      width:100%;
      padding-bottom:56.25%;
      border-radius:22px;
      overflow:hidden;
      background:#0b1f3a;
      box-shadow:0 16px 38px rgba(15,23,42,.16);
    }

    .loya-video-frame iframe{
      position:absolute;
      inset:0;
      width:100%;
      height:100%;
      border:0;
    }

    .loya-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .loya-faq summary{
      cursor:pointer;
      color:#0b1f3a;
      font-weight:850;
      list-style:none;
    }

    .loya-faq summary::-webkit-details-marker{
      display:none;
    }

    .loya-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .loya-cta{
      margin:46px 0 36px;
      display:grid;
      grid-template-columns:minmax(0,.95fr) minmax(360px,1.05fr);
      gap:24px;
      align-items:stretch;
      padding:28px;
      border-radius:32px;
      background:
        radial-gradient(circle at 8% 12%,rgba(255,122,26,.18),transparent 32%),
        linear-gradient(135deg,#f8fafc,#fff);
      border:1px solid #dbeafe;
      box-shadow:0 20px 48px rgba(15,23,42,.08);
    }

    .loya-cta-copy{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#0b1f3a,#12335f);
      color:#fff;
    }

    .loya-cta-copy h2{
      color:#fff;
    }

    .loya-cta-copy p{
      color:#e2e8f0;
    }

    .loya-form-grid{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:14px;
    }

    .loya-field label{
      display:block;
      margin:0 0 6px;
      color:#0b1f3a;
      font-size:14px;
      line-height:1.35;
      font-weight:850;
    }

    .loya-field select,
    .loya-field input{
      width:100%;
      min-height:46px;
      border:1px solid #cbd5e1;
      border-radius:12px;
      background:#fff;
      color:#0f172a;
      padding:0 12px;
      font-size:15px;
      outline:none;
    }

    .loya-price-box{
      margin:16px 0 0;
      padding:20px;
      border-radius:20px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
    }

    .loya-price-box strong{
      display:block;
      color:#9a3412;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      margin-bottom:4px;
    }

    .loya-price-box span{
      display:block;
      color:#0b1f3a;
      font-size:34px;
      line-height:1.1;
      font-weight:950;
    }

    .loya-actions{
      display:flex;
      flex-wrap:wrap;
      gap:10px;
      margin-top:16px;
    }

    .loya-btn,
    .loya-link-btn{
      display:inline-flex;
      align-items:center;
      justify-content:center;
      min-height:46px;
      border:0;
      border-radius:12px;
      padding:0 18px;
      background:#ff7a1a;
      color:#fff!important;
      font-size:15px;
      font-weight:850;
      cursor:pointer;
      text-decoration:none!important;
      -webkit-text-fill-color:#fff;
    }

    .loya-link-btn{
      width:100%;
      background:#0b67ae;
    }

    .loya-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .loya-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .loya-refs h3{
      margin:0 0 12px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .loya-refs ol{
      margin:0;
      padding-left:20px;
    }

    .loya-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .loya-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .loya-author-top,
      .loya-hero-grid,
      .loya-snapshot,
      .loya-pull-grid,
      .loya-grid-2,
      .loya-grid-3,
      .loya-video-band,
      .loya-cta{
        grid-template-columns:1fr;
      }

      .loya-author-date{
        text-align:left;
        white-space:normal;
      }

      .loya-snapshot-item{
        border-right:0;
        border-bottom:1px solid #e2e8f0;
      }

      .loya-snapshot-item:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .loya-loyalty-article{
        padding:0 18px 44px;
        font-size:16px;
      }

      .loya-loyalty-article h2{
        font-size:28px;
      }

      .loya-hero-copy,
      .loya-video-band,
      .loya-cta,
      .loya-cta-copy{
        padding:22px;
      }

      .loya-hero-copy h2{
        font-size:31px;
      }

      .loya-form-grid{
        grid-template-columns:1fr;
      }

      .loya-timeline-step{
        grid-template-columns:1fr;
      }
    }

/* loyal-auto-insurance-customer */
.loya-claim-help-page,
    .loya-claim-help-page *{
      box-sizing:border-box;
    }

    .loya-claim-help-page{
      max-width:1180px;
      margin:0 auto;
      padding:0 24px 52px;
      color:#0f172a;
      font-size:17px;
      line-height:1.72;
    }

    .loya-claim-help-page p{
      margin:0 0 18px;
    }

    .loya-claim-help-page h2{
      margin:0 0 18px;
      color:#082044;
      font-size:34px;
      line-height:1.14;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .loya-claim-help-page h3{
      margin:0 0 12px;
      color:#082044;
      font-size:23px;
      line-height:1.22;
      font-weight:850;
    }

    .loya-claim-help-page h4{
      margin:0 0 10px;
      color:#082044;
      font-size:19px;
      line-height:1.25;
      font-weight:850;
    }

    .loya-claim-help-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .loya-claim-editorial{
      margin:18px 0 30px;
      border-radius:24px;
      background:#ffffff;
      border:1px solid #e2e8f0;
      box-shadow:0 16px 38px rgba(15,23,42,.07);
      overflow:hidden;
    }

    .loya-claim-editorial-grid{
      display:grid;
      grid-template-columns:7px minmax(0,1fr);
    }

    .loya-claim-editorial-bar{
      background:linear-gradient(180deg,#ff6600,#0b67ae,#082044);
    }

    .loya-claim-editorial-body{
      padding:18px 20px;
      display:grid;
      grid-template-columns:minmax(0,1fr) auto;
      gap:18px;
      align-items:flex-start;
    }

    .loya-claim-editorial-kicker{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#eff6ff;
      color:#0b67ae;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .loya-claim-editorial-title{
      margin:0 0 4px;
      color:#082044;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .loya-claim-editorial-role{
      margin:0 0 8px!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .loya-claim-editorial-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
      padding-top:4px;
    }

    .loya-claim-editorial details{
      margin:4px 0 0;
    }

    .loya-claim-editorial summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:7px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .loya-claim-editorial summary::-webkit-details-marker{
      display:none;
    }

    .loya-claim-editorial summary::marker{
      content:"";
    }

    .loya-claim-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .loya-claim-editorial details[open] .loya-claim-caret{
      transform:rotate(180deg);
    }

    .loya-claim-editorial-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:780px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .loya-claim-editorial-panel p{
      margin:0 0 10px!important;
    }

    .loya-claim-editorial-panel p:last-child{
      margin-bottom:0!important;
    }

    .loya-claim-hero{
      margin:0 0 40px;
      display:grid;
      grid-template-columns:minmax(0,1.08fr) minmax(320px,.92fr);
      gap:28px;
      align-items:stretch;
    }

    .loya-claim-hero-copy{
      padding:30px;
      border-radius:30px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 54%,#fff7ed 100%);
      border:1px solid #dbeafe;
      box-shadow:0 18px 44px rgba(15,23,42,.075);
    }

    .loya-claim-eyebrow{
      display:inline-flex;
      align-items:center;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:#082044;
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .loya-claim-lede{
      color:#334155;
      font-size:18px;
      line-height:1.72;
    }

    .loya-claim-image-stack{
      display:grid;
      gap:16px;
    }

    .loya-claim-figure{
      margin:0;
      border-radius:26px;
      overflow:hidden;
      border:1px solid #e2e8f0;
      background:#fff;
      box-shadow:0 18px 42px rgba(15,23,42,.075);
    }

    .loya-claim-figure img{
      display:block;
      width:100%;
      height:auto;
    }

    .loya-claim-figure figcaption{
      margin:0;
      padding:12px 14px;
      color:#475569;
      background:#f8fafc;
      font-size:13px;
      line-height:1.45;
    }

    .loya-claim-alert-row{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:16px;
      margin:0 0 40px;
    }

    .loya-claim-alert{
      padding:18px;
      border-radius:20px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 12px 30px rgba(15,23,42,.055);
    }

    .loya-claim-alert strong{
      display:block;
      margin:0 0 6px;
      color:#082044;
      font-size:18px;
      line-height:1.2;
      font-weight:900;
    }

    .loya-claim-alert span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.55;
    }

    .loya-claim-alert.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .loya-claim-alert.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .loya-claim-alert.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .loya-claim-alert.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .loya-claim-section{
      margin:44px 0;
    }

    .loya-claim-note{
      margin:24px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .loya-claim-note strong{
      color:#9a3412;
      font-weight:900;
    }

    .loya-claim-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:22px;
      margin:24px 0 0;
    }

    .loya-claim-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .loya-claim-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .loya-claim-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .loya-claim-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .loya-claim-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .loya-claim-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .loya-claim-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .loya-claim-card p:last-child{
      margin-bottom:0;
    }

    .loya-claim-list,
    .loya-claim-numbered{
      margin:0 0 20px;
      padding-left:22px;
    }

    .loya-claim-list li,
    .loya-claim-numbered li{
      margin:0 0 12px;
    }

    .loya-claim-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .loya-claim-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
    }

    .loya-claim-table th,
    .loya-claim-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .loya-claim-table th{
      background:#082044;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .loya-claim-table tr:last-child td{
      border-bottom:0;
    }

    .loya-claim-dark-band{
      margin:44px 0;
      padding:28px;
      border-radius:30px;
      background:linear-gradient(135deg,#082044,#13213f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.22);
    }

    .loya-claim-dark-band h2,
    .loya-claim-dark-band h3{
      color:#fff;
    }

    .loya-claim-dark-band p,
    .loya-claim-dark-band li{
      color:#e2e8f0;
    }

    .loya-claim-dark-band .loya-claim-card{
      background:rgba(255,255,255,.10);
      border-color:rgba(255,255,255,.20);
      box-shadow:none;
    }

    .loya-claim-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .loya-claim-faq summary{
      cursor:pointer;
      color:#082044;
      font-weight:850;
      list-style:none;
    }

    .loya-claim-faq summary::-webkit-details-marker{
      display:none;
    }

    .loya-claim-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .loya-claim-cta{
      margin:44px auto 12px;
      max-width:820px;
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#111827 0%,#082044 100%);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.24);
      text-align:center;
    }

    .loya-claim-cta-title{
      display:block;
      margin:0 0 8px;
      color:#fff!important;
      font-size:29px;
      line-height:1.12;
      font-weight:950;
      letter-spacing:-.02em;
    }

    .loya-claim-cta-text{
      display:block;
      margin:0 0 15px;
      color:#e2e8f0!important;
      font-size:15px;
      line-height:1.55;
    }

    .loya-claim-cta-form{
      display:flex;
      justify-content:center;
      align-items:center;
      flex-wrap:wrap;
      gap:10px;
      margin:0;
      padding:0;
    }

    .loya-claim-cta-input{
      width:180px;
      height:46px;
      border:0;
      border-radius:12px;
      background:#f8fafc;
      color:#0f172a;
      padding:0 13px;
      font-size:15px;
      outline:none;
    }

    .loya-claim-cta-btn{
      height:46px;
      border:0;
      border-radius:12px;
      background:#ff7a1a;
      color:#fff!important;
      font-size:15px;
      font-weight:850;
      padding:0 20px;
      cursor:pointer;
      -webkit-text-fill-color:#fff;
    }

    .loya-claim-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .loya-claim-refs h3{
      margin:0 0 12px;
      color:#082044;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .loya-claim-refs ol{
      margin:0;
      padding-left:20px;
    }

    .loya-claim-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .loya-claim-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .loya-claim-hero,
      .loya-claim-alert-row,
      .loya-claim-grid-2,
      .loya-claim-grid-3{
        grid-template-columns:1fr;
      }

      .loya-claim-editorial-body{
        grid-template-columns:1fr;
      }

      .loya-claim-editorial-date{
        text-align:left;
        white-space:normal;
        padding-top:0;
      }
    }

    @media(max-width:640px){
      .loya-claim-help-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .loya-claim-help-page h2{
        font-size:28px;
      }

      .loya-claim-hero-copy,
      .loya-claim-dark-band{
        padding:22px;
      }
    }

/* compare-loyal-insurance-premiums-best-rates */
.lpc-page,
    .lpc-page *{
      box-sizing:border-box;
    }

    .lpc-page{
      max-width:1180px;
      margin:0 auto;
      padding:0 24px 56px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .lpc-page p{
      margin:0 0 18px;
    }

    .lpc-page h2{
      margin:0 0 18px;
      color:#0b1f3a;
      font-size:34px;
      line-height:1.14;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .lpc-page h3{
      margin:0 0 12px;
      color:#0b1f3a;
      font-size:23px;
      line-height:1.22;
      font-weight:850;
    }

    .lpc-page h4{
      margin:0 0 8px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .lpc-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .lpc-author{
      margin:18px 0 30px;
      border-radius:22px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
    }

    .lpc-author-top{
      display:grid;
      grid-template-columns:minmax(0,1fr) auto;
      gap:18px;
      align-items:flex-start;
      padding:18px 20px;
      background:linear-gradient(135deg,#eef6ff 0%,#f8fafc 52%,#fff7ed 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .lpc-badge{
      display:inline-flex;
      margin:0 0 9px;
      padding:6px 11px;
      border-radius:999px;
      background:#0b1f3a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .lpc-author-name{
      display:flex;
      align-items:center;
      gap:12px;
      margin:0 0 4px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .lpc-author-name img{
      width:52px;
      height:52px;
      border-radius:999px;
      object-fit:cover;
      flex:0 0 52px;
      border:2px solid #fff;
      box-shadow:0 8px 20px rgba(15,23,42,.12);
    }

    .lpc-author-role{
      margin:0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
      padding-left:64px;
    }

    .lpc-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
      padding-top:4px;
    }

    .lpc-author-body{
      padding:16px 20px 18px;
      background:#fff;
    }

    .lpc-author details{
      margin:0;
    }

    .lpc-author summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:7px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .lpc-author summary::-webkit-details-marker{
      display:none;
    }

    .lpc-author summary::marker{
      content:"";
    }

    .lpc-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .lpc-author details[open] .lpc-caret{
      transform:rotate(180deg);
    }

    .lpc-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:820px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .lpc-author-panel p{
      margin:0 0 10px!important;
    }

    .lpc-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .lpc-hero{
      display:grid;
      grid-template-columns:minmax(0,1fr);
      gap:22px;
      margin:0 0 38px;
    }

    .lpc-hero-main{
      display:grid;
      grid-template-columns:minmax(0,1.06fr) minmax(330px,.94fr);
      gap:0;
      border-radius:32px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 20px 48px rgba(15,23,42,.09);
    }

    .lpc-hero-copy{
      padding:34px;
      background:
        radial-gradient(circle at top left,rgba(255,122,26,.22),transparent 32%),
        linear-gradient(135deg,#0b1f3a 0%,#12335f 58%,#0b67ae 100%);
      color:#fff;
    }

    .lpc-eyebrow{
      display:inline-flex;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.15);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .lpc-hero-copy h2{
      color:#fff;
    }

    .lpc-hero-copy p{
      color:#eaf2ff;
    }

    .lpc-hero-copy a{
      color:#bfdbfe;
    }

    .lpc-lede{
      font-size:18px;
      line-height:1.72;
    }

    .lpc-hero-media{
      display:flex;
      flex-direction:column;
      background:#fff;
    }

    .lpc-hero-media figure{
      margin:0;
    }

    .lpc-hero-media img{
      display:block;
      width:100%;
      height:auto;
    }

    .lpc-hero-media figcaption{
      margin:0;
      padding:13px 15px;
      color:#475569;
      background:#f8fafc;
      font-size:13px;
      line-height:1.45;
      border-top:1px solid #e2e8f0;
    }

    .lpc-mini-panel{
      padding:24px;
      background:linear-gradient(135deg,#f8fafc,#fff7ed);
      border-bottom:1px solid #e2e8f0;
    }

    .lpc-mini-panel strong{
      display:block;
      margin:0 0 8px;
      color:#0b1f3a;
      font-size:25px;
      line-height:1.1;
      font-weight:950;
      letter-spacing:-.03em;
    }

    .lpc-mini-panel span{
      display:block;
      color:#475569;
      font-size:15px;
      line-height:1.55;
    }

    .lpc-note{
      margin:0;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .lpc-note strong{
      color:#9a3412;
      font-weight:900;
    }

    .lpc-metrics{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
      margin:0 0 42px;
    }

    .lpc-metric{
      padding:18px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 12px 30px rgba(15,23,42,.05);
    }

    .lpc-metric.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .lpc-metric.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .lpc-metric.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .lpc-metric.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .lpc-metric strong{
      display:block;
      margin:0 0 6px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.15;
      font-weight:950;
    }

    .lpc-metric span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.55;
    }

    .lpc-section{
      margin:44px 0;
    }

    .lpc-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:22px;
      margin:24px 0 0;
    }

    .lpc-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .lpc-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .lpc-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .lpc-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .lpc-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .lpc-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .lpc-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .lpc-card p:last-child{
      margin-bottom:0;
    }

    .lpc-list,
    .lpc-numbered{
      margin:0 0 20px;
      padding-left:22px;
    }

    .lpc-list li,
    .lpc-numbered li{
      margin:0 0 12px;
    }

    .lpc-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .lpc-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .lpc-table th,
    .lpc-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .lpc-table th{
      background:#0b1f3a;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .lpc-table td{
      background:#fff;
      color:#172033;
    }

    .lpc-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .lpc-table tr:last-child td{
      border-bottom:0;
    }

    .lpc-lab{
      margin:44px 0;
      display:grid;
      grid-template-columns:310px minmax(0,1fr);
      gap:24px;
      align-items:start;
    }

    .lpc-lab-side{
      padding:24px;
      border-radius:26px;
      background:linear-gradient(135deg,#0b1f3a,#13213f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.22);
    }

    .lpc-lab-side h2,
    .lpc-lab-side h3{
      color:#fff;
    }

    .lpc-lab-side p,
    .lpc-lab-side li{
      color:#e2e8f0;
      font-size:15px;
    }

    .lpc-lab-side a{
      color:#bfdbfe;
    }

    .lpc-lab-main{
      display:grid;
      gap:14px;
    }

    .lpc-step{
      display:grid;
      grid-template-columns:50px minmax(0,1fr);
      gap:15px;
      padding:18px;
      border-radius:20px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .lpc-step-num{
      width:50px;
      height:50px;
      display:flex;
      align-items:center;
      justify-content:center;
      border-radius:17px;
      background:#eef6ff;
      color:#0b67ae;
      font-weight:950;
      font-size:20px;
    }

    .lpc-step p{
      margin-bottom:0;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .lpc-band{
      margin:44px 0;
      padding:28px;
      border-radius:30px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 100%);
      border:1px solid #dbeafe;
      box-shadow:0 18px 42px rgba(15,23,42,.065);
    }

    .lpc-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .lpc-faq summary{
      cursor:pointer;
      color:#0b1f3a;
      font-weight:850;
      list-style:none;
    }

    .lpc-faq summary::-webkit-details-marker{
      display:none;
    }

    .lpc-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .lpc-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .lpc-cta{
      margin:44px auto 12px;
      max-width:880px;
      padding:26px;
      border-radius:26px;
      background:
        radial-gradient(circle at top right,rgba(255,122,26,.25),transparent 30%),
        linear-gradient(135deg,#111827 0%,#0b1f3a 100%);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.24);
      text-align:center;
    }

    .lpc-cta-title{
      display:block;
      margin:0 0 8px;
      color:#fff!important;
      font-size:30px;
      line-height:1.12;
      font-weight:950;
      letter-spacing:-.02em;
    }

    .lpc-cta-text{
      display:block;
      margin:0 0 16px;
      color:#e2e8f0!important;
      font-size:15px;
      line-height:1.55;
    }

    .lpc-cta-form{
      display:flex;
      justify-content:center;
      align-items:center;
      flex-wrap:wrap;
      gap:10px;
      margin:0;
      padding:0;
    }

    .lpc-cta-input{
      width:185px;
      height:46px;
      border:0;
      border-radius:12px;
      background:#f8fafc;
      color:#0f172a;
      padding:0 13px;
      font-size:15px;
      outline:none;
    }

    .lpc-cta-btn{
      height:46px;
      border:0;
      border-radius:12px;
      background:#ff7a1a;
      color:#fff!important;
      font-size:15px;
      font-weight:850;
      padding:0 20px;
      cursor:pointer;
      -webkit-text-fill-color:#fff;
    }

    .lpc-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .lpc-refs h3{
      margin:0 0 12px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .lpc-refs ol{
      margin:0;
      padding-left:20px;
    }

    .lpc-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .lpc-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .lpc-author-top,
      .lpc-hero-main,
      .lpc-metrics,
      .lpc-grid-2,
      .lpc-grid-3,
      .lpc-lab{
        grid-template-columns:1fr;
      }

      .lpc-author-date{
        text-align:left;
        white-space:normal;
        padding-top:0;
      }

      .lpc-author-role{
        padding-left:0;
      }
    }

    @media(max-width:640px){
      .lpc-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .lpc-page h2{
        font-size:28px;
      }

      .lpc-hero-copy,
      .lpc-band,
      .lpc-lab-side,
      .lpc-cta{
        padding:22px;
      }

      .lpc-mini-panel strong{
        font-size:23px;
      }

      .lpc-step{
        grid-template-columns:1fr;
      }
    }

/* loyal-auto-insurance-lowball-offers-bad-faith */
.loyal-claims-page,
    .loyal-claims-page *{
      box-sizing:border-box;
    }

    .loyal-claims-page{
      max-width:1180px;
      margin:0 auto;
      padding:0 24px 52px;
      color:#0f172a;
      font-size:17px;
      line-height:1.72;
    }

    .loyal-claims-page p{
      margin:0 0 18px;
    }

    .loyal-claims-page h2{
      margin:0 0 18px;
      color:#082044;
      font-size:34px;
      line-height:1.14;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .loyal-claims-page h3{
      margin:0 0 12px;
      color:#082044;
      font-size:23px;
      line-height:1.22;
      font-weight:850;
    }

    .loyal-claims-page h4{
      margin:0 0 8px;
      color:#082044;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .loyal-claims-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .loyal-author{
      margin:18px 0 30px;
      border-radius:22px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
    }

    .loyal-author-head{
      display:grid;
      grid-template-columns:minmax(0,1fr) auto;
      gap:18px;
      align-items:flex-start;
      padding:18px 20px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .loyal-badge{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#082044;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .loyal-author-name{
      margin:0 0 4px;
      color:#082044;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .loyal-author-role{
      margin:0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .loyal-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
      padding-top:4px;
    }

    .loyal-author-body{
      padding:16px 20px 18px;
      background:#fff;
    }

    .loyal-author details{
      margin:0;
    }

    .loyal-author summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:7px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .loyal-author summary::-webkit-details-marker{
      display:none;
    }

    .loyal-author summary::marker{
      content:"";
    }

    .loyal-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .loyal-author details[open] .loyal-caret{
      transform:rotate(180deg);
    }

    .loyal-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:820px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .loyal-author-panel p{
      margin:0 0 10px!important;
    }

    .loyal-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .loyal-hero{
      display:grid;
      grid-template-columns:minmax(0,1.08fr) minmax(320px,.92fr);
      gap:28px;
      align-items:stretch;
      margin:0 0 36px;
    }

    .loyal-hero-copy{
      padding:32px;
      border-radius:30px;
      background:
        radial-gradient(circle at top left,rgba(255,122,26,.22),transparent 32%),
        linear-gradient(135deg,#082044 0%,#12335f 58%,#0b67ae 100%);
      color:#fff;
      box-shadow:0 18px 44px rgba(8,32,68,.22);
    }

    .loyal-eyebrow{
      display:inline-flex;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.15);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .loyal-hero-copy h2{
      color:#fff;
    }

    .loyal-hero-copy p{
      color:#eaf2ff;
    }

    .loyal-hero-copy a{
      color:#bfdbfe;
    }

    .loyal-lede{
      font-size:18px;
      line-height:1.72;
    }

    .loyal-figure{
      margin:0;
      border-radius:28px;
      overflow:hidden;
      border:1px solid #e2e8f0;
      background:#fff;
      box-shadow:0 18px 42px rgba(15,23,42,.075);
      height:100%;
    }

    .loyal-figure img{
      display:block;
      width:100%;
      height:100%;
      min-height:390px;
      object-fit:cover;
    }

    .loyal-figure figcaption{
      margin:0;
      padding:12px 14px;
      color:#475569;
      background:#f8fafc;
      font-size:13px;
      line-height:1.45;
    }

    .loyal-quick-strip{
      display:grid;
      grid-template-columns:1.1fr .9fr 1fr;
      gap:16px;
      margin:0 0 40px;
    }

    .loyal-strip-card{
      padding:20px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 12px 30px rgba(15,23,42,.05);
    }

    .loyal-strip-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .loyal-strip-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .loyal-strip-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .loyal-strip-card strong{
      display:block;
      margin:0 0 6px;
      color:#082044;
      font-size:18px;
      line-height:1.2;
      font-weight:900;
    }

    .loyal-strip-card span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.55;
    }

    .loyal-section{
      margin:44px 0;
    }

    .loyal-note{
      margin:24px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .loyal-note strong{
      color:#9a3412;
      font-weight:900;
    }

    .loyal-soft-box{
      margin:24px 0;
      padding:24px;
      border-radius:26px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 100%);
      border:1px solid #dbeafe;
      box-shadow:0 14px 36px rgba(15,23,42,.055);
    }

    .loyal-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:22px;
      margin:24px 0 0;
    }

    .loyal-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .loyal-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .loyal-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .loyal-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .loyal-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .loyal-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .loyal-card p:last-child{
      margin-bottom:0;
    }

    .loyal-list,
    .loyal-numbered{
      margin:0 0 20px;
      padding-left:22px;
    }

    .loyal-list li,
    .loyal-numbered li{
      margin:0 0 12px;
    }

    .loyal-roadmap{
      margin:28px 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:0;
      border-radius:24px;
      overflow:hidden;
      border:1px solid #dbeafe;
      box-shadow:0 16px 36px rgba(15,23,42,.06);
    }

    .loyal-road-step{
      padding:22px;
      background:#fff;
      border-right:1px solid #e5e7eb;
    }

    .loyal-road-step:nth-child(odd){
      background:#f8fafc;
    }

    .loyal-road-step:last-child{
      border-right:0;
    }

    .loyal-step-number{
      display:inline-flex;
      align-items:center;
      justify-content:center;
      width:34px;
      height:34px;
      margin:0 0 12px;
      border-radius:999px;
      background:#082044;
      color:#fff;
      font-weight:900;
      font-size:14px;
    }

    .loyal-road-step p{
      margin-bottom:0;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .loyal-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .loyal-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .loyal-table th,
    .loyal-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .loyal-table th{
      background:#082044;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .loyal-table td{
      background:#fff;
      color:#0f172a;
    }

    .loyal-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .loyal-table tr:last-child td{
      border-bottom:0;
    }

    .loyal-split{
      display:grid;
      grid-template-columns:minmax(0,.95fr) minmax(0,1.05fr);
      gap:0;
      margin:44px 0;
      border-radius:30px;
      overflow:hidden;
      border:1px solid #dbeafe;
      background:#fff;
      box-shadow:0 18px 42px rgba(15,23,42,.075);
    }

    .loyal-split-copy{
      padding:30px;
      background:linear-gradient(135deg,#082044,#13213f);
      color:#fff;
    }

    .loyal-split-copy h2,
    .loyal-split-copy h3{
      color:#fff;
    }

    .loyal-split-copy p,
    .loyal-split-copy li{
      color:#e2e8f0;
    }

    .loyal-split-copy a{
      color:#bfdbfe;
    }

    .loyal-split-media{
      min-height:360px;
      background:#f8fafc;
    }

    .loyal-split-media img{
      display:block;
      width:100%;
      height:100%;
      min-height:360px;
      object-fit:cover;
    }

    .loyal-dark{
      margin:44px 0;
      padding:28px;
      border-radius:30px;
      background:linear-gradient(135deg,#082044,#13213f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.22);
    }

    .loyal-dark h2,
    .loyal-dark h3{
      color:#fff;
    }

    .loyal-dark p,
    .loyal-dark li{
      color:#e2e8f0;
    }

    .loyal-dark a{
      color:#bfdbfe;
    }

    .loyal-dark .loyal-card{
      background:rgba(255,255,255,.10);
      border-color:rgba(255,255,255,.22);
      box-shadow:none;
    }

    .loyal-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .loyal-faq summary{
      cursor:pointer;
      color:#082044;
      font-weight:850;
      list-style:none;
    }

    .loyal-faq summary::-webkit-details-marker{
      display:none;
    }

    .loyal-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .loyal-cta{
      margin:44px auto 12px;
      max-width:820px;
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#111827 0%,#082044 100%);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.24);
      text-align:center;
    }

    .loyal-cta-title{
      display:block;
      margin:0 0 8px;
      color:#fff!important;
      font-size:29px;
      line-height:1.12;
      font-weight:950;
      letter-spacing:-.02em;
    }

    .loyal-cta-text{
      display:block;
      margin:0 0 15px;
      color:#e2e8f0!important;
      font-size:15px;
      line-height:1.55;
    }

    .loyal-cta-form{
      display:flex;
      justify-content:center;
      align-items:center;
      flex-wrap:wrap;
      gap:10px;
      margin:0;
      padding:0;
    }

    .loyal-cta-input{
      width:180px;
      height:46px;
      border:0;
      border-radius:12px;
      background:#f8fafc;
      color:#0f172a;
      padding:0 13px;
      font-size:15px;
      outline:none;
    }

    .loyal-cta-btn{
      height:46px;
      border:0;
      border-radius:12px;
      background:#ff7a1a;
      color:#fff!important;
      font-size:15px;
      font-weight:850;
      padding:0 20px;
      cursor:pointer;
      -webkit-text-fill-color:#fff;
    }

    .loyal-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .loyal-refs h3{
      margin:0 0 12px;
      color:#082044;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .loyal-refs ol{
      margin:0;
      padding-left:20px;
    }

    .loyal-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .loyal-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .loyal-author-head,
      .loyal-hero,
      .loyal-quick-strip,
      .loyal-grid-2,
      .loyal-grid-3,
      .loyal-roadmap,
      .loyal-split{
        grid-template-columns:1fr;
      }

      .loyal-road-step{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .loyal-road-step:last-child{
        border-bottom:0;
      }

      .loyal-author-date{
        text-align:left;
        white-space:normal;
        padding-top:0;
      }

      .loyal-figure img{
        min-height:280px;
      }
    }

    @media(max-width:640px){
      .loyal-claims-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .loyal-claims-page h2{
        font-size:28px;
      }

      .loyal-hero-copy,
      .loyal-dark,
      .loyal-split-copy,
      .loyal-soft-box{
        padding:22px;
      }
    }

/* ride-a-safe-journey-with-loya-insurance */
.loya-safe-journey-page,
    .loya-safe-journey-page *{
      box-sizing:border-box;
    }

    .loya-safe-journey-page{
      max-width:1180px;
      margin:0 auto;
      padding:0 24px 52px;
      color:#0f172a;
      font-size:17px;
      line-height:1.72;
    }

    .loya-safe-journey-page p{
      margin:0 0 18px;
    }

    .loya-safe-journey-page h2{
      margin:0 0 18px;
      color:#082044;
      font-size:34px;
      line-height:1.14;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .loya-safe-journey-page h3{
      margin:0 0 12px;
      color:#082044;
      font-size:23px;
      line-height:1.22;
      font-weight:850;
    }

    .loya-safe-journey-page h4{
      margin:0 0 10px;
      color:#082044;
      font-size:19px;
      line-height:1.25;
      font-weight:850;
    }

    .loya-safe-journey-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .loya-safe-editorial{
      margin:18px 0 30px;
      border-radius:24px;
      background:#ffffff;
      border:1px solid #e2e8f0;
      box-shadow:0 16px 38px rgba(15,23,42,.07);
      overflow:hidden;
    }

    .loya-safe-editorial-head{
      display:grid;
      grid-template-columns:minmax(0,1fr) auto;
      gap:18px;
      align-items:flex-start;
      padding:18px 20px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .loya-safe-editorial-badge{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#082044;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .loya-safe-editorial-title{
      margin:0 0 4px;
      color:#082044;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .loya-safe-editorial-role{
      margin:0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .loya-safe-editorial-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
      padding-top:4px;
    }

    .loya-safe-editorial-body{
      padding:16px 20px 18px;
      background:#fff;
    }

    .loya-safe-editorial details{
      margin:0;
    }

    .loya-safe-editorial summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:7px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .loya-safe-editorial summary::-webkit-details-marker{
      display:none;
    }

    .loya-safe-editorial summary::marker{
      content:"";
    }

    .loya-safe-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .loya-safe-editorial details[open] .loya-safe-caret{
      transform:rotate(180deg);
    }

    .loya-safe-editorial-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:820px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .loya-safe-editorial-panel p{
      margin:0 0 10px!important;
    }

    .loya-safe-editorial-panel p:last-child{
      margin-bottom:0!important;
    }

    .loya-safe-hero{
      margin:0 0 38px;
      display:grid;
      grid-template-columns:minmax(0,1.02fr) minmax(320px,.98fr);
      gap:28px;
      align-items:stretch;
    }

    .loya-safe-hero-copy{
      padding:30px;
      border-radius:30px;
      background:linear-gradient(135deg,#082044 0%,#12335f 58%,#0b67ae 100%);
      color:#fff;
      box-shadow:0 18px 44px rgba(8,32,68,.22);
    }

    .loya-safe-eyebrow{
      display:inline-flex;
      align-items:center;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .loya-safe-hero-copy h2{
      color:#fff;
    }

    .loya-safe-hero-copy p{
      color:#eaf2ff;
    }

    .loya-safe-hero-copy a{
      color:#bfdbfe;
    }

    .loya-safe-lede{
      font-size:18px;
      line-height:1.72;
    }

    .loya-safe-figure{
      margin:0;
      border-radius:28px;
      overflow:hidden;
      border:1px solid #e2e8f0;
      background:#fff;
      box-shadow:0 18px 42px rgba(15,23,42,.075);
      height:100%;
    }

    .loya-safe-figure img{
      display:block;
      width:100%;
      height:100%;
      min-height:390px;
      object-fit:cover;
    }

    .loya-safe-figure figcaption{
      margin:0;
      padding:12px 14px;
      color:#475569;
      background:#f8fafc;
      font-size:13px;
      line-height:1.45;
    }

    .loya-safe-pill-row{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:16px;
      margin:0 0 40px;
    }

    .loya-safe-pill{
      padding:18px;
      border-radius:20px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 12px 30px rgba(15,23,42,.055);
    }

    .loya-safe-pill strong{
      display:block;
      margin:0 0 6px;
      color:#082044;
      font-size:18px;
      line-height:1.2;
      font-weight:900;
    }

    .loya-safe-pill span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.55;
    }

    .loya-safe-pill.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .loya-safe-pill.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .loya-safe-pill.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .loya-safe-pill.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .loya-safe-section{
      margin:44px 0;
    }

    .loya-safe-note{
      margin:24px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .loya-safe-note strong{
      color:#9a3412;
      font-weight:900;
    }

    .loya-safe-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:22px;
      margin:24px 0 0;
    }

    .loya-safe-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .loya-safe-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .loya-safe-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .loya-safe-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .loya-safe-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .loya-safe-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .loya-safe-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .loya-safe-card p:last-child{
      margin-bottom:0;
    }

    .loya-safe-list,
    .loya-safe-numbered{
      margin:0 0 20px;
      padding-left:22px;
    }

    .loya-safe-list li,
    .loya-safe-numbered li{
      margin:0 0 12px;
    }

    .loya-safe-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .loya-safe-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .loya-safe-table th,
    .loya-safe-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .loya-safe-table th{
      background:#082044;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .loya-safe-table td{
      background:#fff;
      color:#0f172a;
    }

    .loya-safe-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .loya-safe-table tr:last-child td{
      border-bottom:0;
    }

    .loya-safe-split-band{
      margin:44px 0;
      border-radius:30px;
      overflow:hidden;
      border:1px solid #dbeafe;
      background:#fff;
      box-shadow:0 18px 42px rgba(15,23,42,.075);
      display:grid;
      grid-template-columns:minmax(0,.88fr) minmax(0,1.12fr);
    }

    .loya-safe-split-left{
      padding:28px;
      background:linear-gradient(135deg,#0f172a,#082044);
      color:#fff;
    }

    .loya-safe-split-left h2,
    .loya-safe-split-left h3{
      color:#fff;
    }

    .loya-safe-split-left p,
    .loya-safe-split-left li{
      color:#e2e8f0;
    }

    .loya-safe-split-left a{
      color:#bfdbfe;
    }

    .loya-safe-split-right{
      padding:28px;
      background:#ffffff;
      color:#0f172a;
    }

    .loya-safe-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .loya-safe-faq summary{
      cursor:pointer;
      color:#082044;
      font-weight:850;
      list-style:none;
    }

    .loya-safe-faq summary::-webkit-details-marker{
      display:none;
    }

    .loya-safe-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .loya-safe-cta{
      margin:44px auto 12px;
      max-width:820px;
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#111827 0%,#082044 100%);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.24);
      text-align:center;
    }

    .loya-safe-cta-title{
      display:block;
      margin:0 0 8px;
      color:#fff!important;
      font-size:29px;
      line-height:1.12;
      font-weight:950;
      letter-spacing:-.02em;
    }

    .loya-safe-cta-text{
      display:block;
      margin:0 0 15px;
      color:#e2e8f0!important;
      font-size:15px;
      line-height:1.55;
    }

    .loya-safe-cta-form{
      display:flex;
      justify-content:center;
      align-items:center;
      flex-wrap:wrap;
      gap:10px;
      margin:0;
      padding:0;
    }

    .loya-safe-cta-input{
      width:180px;
      height:46px;
      border:0;
      border-radius:12px;
      background:#f8fafc;
      color:#0f172a;
      padding:0 13px;
      font-size:15px;
      outline:none;
    }

    .loya-safe-cta-btn{
      height:46px;
      border:0;
      border-radius:12px;
      background:#ff7a1a;
      color:#fff!important;
      font-size:15px;
      font-weight:850;
      padding:0 20px;
      cursor:pointer;
      -webkit-text-fill-color:#fff;
    }

    .loya-safe-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .loya-safe-refs h3{
      margin:0 0 12px;
      color:#082044;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .loya-safe-refs ol{
      margin:0;
      padding-left:20px;
    }

    .loya-safe-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .loya-safe-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .loya-safe-editorial-head,
      .loya-safe-hero,
      .loya-safe-pill-row,
      .loya-safe-grid-2,
      .loya-safe-grid-3,
      .loya-safe-split-band{
        grid-template-columns:1fr;
      }

      .loya-safe-editorial-date{
        text-align:left;
        white-space:normal;
        padding-top:0;
      }

      .loya-safe-figure img{
        min-height:280px;
      }
    }

    @media(max-width:640px){
      .loya-safe-journey-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .loya-safe-journey-page h2{
        font-size:28px;
      }

      .loya-safe-hero-copy,
      .loya-safe-split-left,
      .loya-safe-split-right{
        padding:22px;
      }
    }

/* deductibles-explained */
.deductible-page,
    .deductible-page *{
      box-sizing:border-box;
    }

    .deductible-page{
      width:100%;
      max-width:1120px;
      margin:0 auto;
      padding:0 18px 60px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
      font-family:inherit;
      overflow:hidden;
    }

    .deductible-page p{
      margin:0 0 18px;
    }

    .deductible-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
      font-weight:750;
    }

    .deductible-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .deductible-page h3{
      margin:0 0 10px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .deductible-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .deductible-author-card{
      width:100%;
      max-width:980px;
      margin:18px auto 28px;
      border:1px solid #e2e8f0;
      border-radius:20px;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .deductible-author-main{
      display:flex;
      align-items:flex-start;
      gap:16px;
      padding:18px 20px;
      background:linear-gradient(135deg,#eff6ff 0%,#ffffff 52%,#fff7ed 100%);
    }

    .deductible-author-main img,
    .deductible-author-avatar{
      width:58px;
      height:58px;
      min-width:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .deductible-author-avatar{
      display:flex;
      align-items:center;
      justify-content:center;
      background:#1e3a8a;
      color:#fff;
      font-weight:900;
      font-size:18px;
    }

    .deductible-author-info{
      flex:1;
      min-width:0;
    }

    .deductible-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#1e3a8a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .deductible-author-name{
      margin:0 0 3px!important;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .deductible-author-role{
      margin:0 0 8px!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .deductible-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
      padding-top:4px;
    }

    .deductible-author-details{
      margin:4px 0 0;
    }

    .deductible-author-details summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:6px;
      color:#b45309;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
    }

    .deductible-author-details summary::-webkit-details-marker{
      display:none;
    }

    .deductible-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:760px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:#fff;
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .deductible-author-panel p{
      margin:0 0 10px!important;
    }

    .deductible-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .deductible-intro{
      width:100%;
      max-width:1120px;
      margin:0 auto 34px;
      display:grid;
      grid-template-columns:minmax(0,1fr) minmax(300px,420px);
      gap:20px;
      align-items:stretch;
    }

    .deductible-intro-copy{
      padding:24px;
      border-radius:28px;
      background:
        radial-gradient(circle at 86% 18%,rgba(59,130,246,.13),transparent 34%),
        radial-gradient(circle at 12% 92%,rgba(251,146,60,.14),transparent 40%),
        linear-gradient(135deg,#ffffff,#f8fafc);
      border:1px solid #dbeafe;
      box-shadow:0 18px 44px rgba(15,23,42,.07);
    }

    .deductible-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 16px;
      padding:8px 14px;
      border-radius:999px;
      background:#eaf3ff;
      color:#0b67ae;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .deductible-page-title{
      display:block;
      margin:0 0 18px!important;
      max-width:820px;
      color:#082044;
      font-size:clamp(30px,3.2vw,44px);
      line-height:1.08;
      letter-spacing:-.035em;
      font-weight:950;
    }

    .deductible-lede{
      font-size:18px;
      line-height:1.75;
      color:#334155;
    }

    .deductible-summary-card{
      padding:24px;
      border-radius:28px;
      background:linear-gradient(135deg,#111827,#1e3a8a);
      color:#fff;
      box-shadow:0 18px 44px rgba(30,58,138,.18);
    }

    .deductible-summary-card h3{
      color:#fff;
      font-size:24px;
    }

    .deductible-summary-card p,
    .deductible-summary-card li{
      color:#e5e7eb;
      font-size:15px;
      line-height:1.62;
    }

    .deductible-summary-card ul{
      margin:0;
      padding-left:20px;
    }

    .deductible-summary-card li{
      margin:0 0 10px;
    }

    .deductible-stat-strip{
      width:100%;
      max-width:1120px;
      margin:0 auto 34px;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .deductible-stat{
      padding:18px 20px;
      border-radius:20px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 12px 28px rgba(15,23,42,.045);
    }

    .deductible-stat:nth-child(2){
      background:#eff6ff;
      border-color:#bfdbfe;
    }

    .deductible-stat:nth-child(3){
      background:#fff7ed;
      border-color:#fed7aa;
    }

    .deductible-stat:nth-child(4){
      background:#ecfdf5;
      border-color:#bbf7d0;
    }

    .deductible-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .deductible-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .deductible-alert{
      width:100%;
      max-width:1120px;
      margin:0 auto 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#eff6ff;
      border:1px solid #bfdbfe;
      color:#1e3a8a;
      box-shadow:0 12px 30px rgba(30,58,138,.055);
    }

    .deductible-alert strong{
      color:#1d4ed8;
      font-weight:900;
    }

    .deductible-section{
      width:100%;
      max-width:1120px;
      margin:46px auto;
    }

    .deductible-section.narrow{
      max-width:930px;
    }

    .deductible-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .deductible-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .deductible-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .deductible-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .deductible-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .deductible-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .deductible-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .deductible-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .deductible-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .deductible-card p:last-child{
      margin-bottom:0;
    }

    .deductible-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .deductible-list li{
      margin:0 0 12px;
    }

    .deductible-split{
      display:grid;
      grid-template-columns:minmax(0,1fr) minmax(280px,360px);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .deductible-side-card{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#1e3a8a,#0f172a);
      color:#fff;
      box-shadow:0 18px 42px rgba(30,58,138,.18);
    }

    .deductible-side-card h3{
      color:#fff;
    }

    .deductible-side-card p,
    .deductible-side-card li{
      color:#e5e7eb;
      font-size:15px;
      line-height:1.6;
    }

    .deductible-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .deductible-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .deductible-table th,
    .deductible-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .deductible-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .deductible-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .deductible-table tr:last-child td{
      border-bottom:0;
    }

    .deductible-steps{
      margin:24px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .deductible-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .deductible-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#eff6ff;
      color:#1d4ed8;
      font-size:18px;
      font-weight:950;
    }

    .deductible-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .deductible-callout{
      margin:26px 0;
      padding:22px 24px;
      border-radius:24px;
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border:1px solid #fed7aa;
      box-shadow:0 14px 34px rgba(15,23,42,.045);
      color:#7c2d12;
    }

    .deductible-callout strong{
      color:#431407;
    }

    .deductible-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .deductible-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .deductible-faq summary::-webkit-details-marker{
      display:none;
    }

    .deductible-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .deductible-final-quote{
      width:100%;
      max-width:1120px;
      margin:46px auto 10px;
      display:flex;
      justify-content:center;
    }

    .deductible-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .deductible-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .deductible-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .deductible-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .deductible-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .deductible-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .deductible-final-form input{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .deductible-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .deductible-editorial{
      width:100%;
      max-width:1120px;
      margin:34px auto;
      padding:16px 18px;
      border-radius:18px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .deductible-refs{
      width:100%;
      max-width:1120px;
      margin:36px auto 0;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .deductible-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .deductible-refs ol{
      margin:0;
      padding-left:20px;
    }

    .deductible-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .deductible-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .deductible-intro,
      .deductible-stat-strip,
      .deductible-grid-2,
      .deductible-grid-3,
      .deductible-split,
      .deductible-steps{
        grid-template-columns:1fr;
      }

      .deductible-page-title{
        font-size:34px;
      }
    }

    @media(max-width:760px){
      .deductible-author-main{
        flex-wrap:wrap;
      }

      .deductible-author-date{
        width:100%;
        text-align:left;
        padding-left:74px;
        white-space:normal;
      }
    }

    @media(max-width:640px){
      .deductible-page{
        padding:0 16px 44px;
        font-size:16px;
      }

      .deductible-page h2{
        font-size:28px;
      }

      .deductible-intro-copy,
      .deductible-summary-card{
        padding:22px;
      }

      .deductible-page-title{
        font-size:32px;
      }

      .deductible-form-col,
      .deductible-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }

      .deductible-author-date{
        padding-left:0;
      }
    }

/* Clean compact author card */
.deductible-author-card{
  max-width:920px!important;
  margin:18px auto 28px!important;
  border-radius:18px!important;
  overflow:hidden!important;
}

.deductible-author-main{
  display:grid!important;
  grid-template-columns:58px minmax(0,1fr) auto!important;
  gap:14px!important;
  align-items:center!important;
  padding:16px 18px!important;
  background:linear-gradient(135deg,#eff6ff 0%,#ffffff 58%,#fff7ed 100%)!important;
}

.deductible-author-info{
  display:flex!important;
  align-items:center!important;
  gap:12px!important;
  flex-wrap:wrap!important;
}

.deductible-author-label{
  margin:0!important;
  font-size:11px!important;
  padding:6px 10px!important;
}

.deductible-author-name{
  margin:0!important;
  font-size:17px!important;
  white-space:nowrap!important;
}

.deductible-author-role{
  margin:0!important;
  font-size:13px!important;
  white-space:nowrap!important;
}

.deductible-author-details{
  width:100%!important;
  margin:4px 0 0!important;
}

.deductible-author-details summary{
  font-size:13px!important;
}

.deductible-author-date{
  text-align:right!important;
  white-space:nowrap!important;
  padding:0!important;
  font-size:12.5px!important;
  line-height:1.45!important;
}

.deductible-author-panel{
  max-width:760px!important;
}

@media(max-width:800px){
  .deductible-author-main{
    grid-template-columns:58px minmax(0,1fr)!important;
  }

  .deductible-author-date{
    grid-column:2!important;
    text-align:left!important;
    white-space:normal!important;
    margin-top:2px!important;
  }

  .deductible-author-info{
    display:block!important;
  }

  .deductible-author-label,
  .deductible-author-name,
  .deductible-author-role{
    margin-bottom:5px!important;
  }
}
.jt-author-card{
  width:100%;
  max-width:980px;
  margin:18px auto 28px;
  border:1px solid #e2e8f0;
  border-radius:18px;
  background:linear-gradient(135deg,#f8fbff 0%,#ffffff 55%,#fff7ed 100%);
  box-shadow:0 14px 34px rgba(15,23,42,.06);
  overflow:hidden;
}

.jt-author-row{
  display:flex;
  align-items:center;
  gap:16px;
  padding:18px 20px;
}

.jt-author-photo{
  width:58px;
  height:58px;
  min-width:58px;
  border-radius:999px;
  object-fit:cover;
  border:2px solid #fff;
  box-shadow:0 10px 24px rgba(15,23,42,.12);
}

.jt-author-content{
  flex:1;
  min-width:0;
}

.jt-author-topline{
  display:flex;
  align-items:center;
  gap:12px;
  flex-wrap:wrap;
  color:#0f172a;
  font-size:15px;
  line-height:1.35;
}

.jt-author-topline strong{
  font-size:18px;
  color:#0f172a;
  font-weight:900;
}

.jt-author-topline span{
  color:#64748b;
  font-size:14px;
}

.jt-author-badge{
  display:inline-flex;
  align-items:center;
  padding:6px 11px;
  border-radius:999px;
  background:#1e3a8a;
  color:#fff!important;
  font-size:12px!important;
  line-height:1;
  font-weight:900;
  letter-spacing:.04em;
  text-transform:uppercase;
  white-space:nowrap;
}

.jt-author-details{
  margin-top:8px;
}

.jt-author-details summary{
  cursor:pointer;
  display:inline-flex;
  align-items:center;
  gap:6px;
  color:#b45309;
  font-size:13px;
  font-weight:850;
  list-style:none;
}

.jt-author-details summary::-webkit-details-marker{
  display:none;
}

.jt-author-panel{
  margin-top:12px;
  padding:14px 16px;
  max-width:760px;
  border-radius:14px;
  background:#fff;
  border:1px solid #e2e8f0;
  color:#475569;
  font-size:14px;
  line-height:1.65;
}

.jt-author-panel p{
  margin:0 0 10px!important;
}

.jt-author-panel p:last-child{
  margin-bottom:0!important;
}

.jt-author-date{
  min-width:180px;
  color:#64748b;
  font-size:13px;
  line-height:1.45;
  font-style:italic;
  text-align:right;
  white-space:nowrap;
}

@media(max-width:820px){
  .jt-author-row{
    align-items:flex-start;
    flex-wrap:wrap;
  }

  .jt-author-content{
    flex:1 1 calc(100% - 80px);
  }

  .jt-author-date{
    width:100%;
    min-width:0;
    text-align:left;
    padding-left:74px;
    white-space:normal;
  }
}

@media(max-width:560px){
  .jt-author-row{
    display:block;
  }

  .jt-author-photo{
    margin-bottom:12px;
  }

  .jt-author-topline{
    display:block;
  }

  .jt-author-badge,
  .jt-author-topline strong,
  .jt-author-topline span{
    margin:0 0 7px;
  }

  .jt-author-date{
    padding-left:0;
    margin-top:10px;
  }
}

/* caught-driving-insurance */
.loya-page-wrap,.loya-page-wrap *{box-sizing:border-box}
    .loya-page-wrap{
      max-width:1160px;
      margin:0 auto;
      color:#0f172a;
      font-size:17px;
      line-height:1.75;
    }
    .loya-page-wrap p{margin:0 0 18px}
    .loya-page-wrap h2{
      font-size:34px;
      line-height:1.15;
      margin:0 0 18px;
      color:#082044;
      font-weight:900;
      letter-spacing:-.02em;
    }
    .loya-page-wrap h3{
      font-size:24px;
      line-height:1.2;
      margin:0 0 14px;
      color:#082044;
      font-weight:800;
    }
    .loya-page-wrap a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
      font-weight:700;
    }
    .loya-eyebrow{
      display:inline-flex;
      align-items:center;
      gap:8px;
      padding:8px 14px;
      border-radius:999px;
      background:#eaf3ff;
      color:#0b67ae;
      font-size:13px;
      font-weight:800;
      letter-spacing:.03em;
      text-transform:uppercase;
      margin:0 0 18px;
    }
    .loya-page-title{
      display:block;
      font-size:clamp(34px,5vw,54px);
      line-height:1.04;
      letter-spacing:-.045em;
      color:#082044;
      font-weight:950;
      margin:0 0 18px!important;
      max-width:820px;
    }
    .loya-lead{
      font-size:18px;
      line-height:1.72;
      color:#334155;
    }
    .loya-author-card{
      margin:16px 0 26px;
      padding:18px 20px;
      border:1px solid #e2e8f0;
      border-radius:18px;
      background:#f8fafc;
      box-shadow:0 10px 30px rgba(15,23,42,.05);
    }
    .loya-author-top{
      display:flex;
      justify-content:space-between;
      gap:16px;
      align-items:flex-start;
      flex-wrap:wrap;
      margin-bottom:0;
    }
    .loya-author-left{
      display:flex;
      gap:14px;
      align-items:flex-start;
      min-width:0;
      flex:1 1 auto;
    }
    .loya-author-icon{
      width:48px;
      height:48px;
      border-radius:999px;
      background:#082044;
      color:#fff;
      display:flex;
      align-items:center;
      justify-content:center;
      font-size:20px;
      flex:0 0 48px;
      box-shadow:0 10px 20px rgba(8,32,68,.18);
    }
    .loya-author-name{
      font-size:18px;
      font-weight:800;
      color:#082044;
      line-height:1.25;
      margin:0 0 4px;
    }
    .loya-author-role{
      font-size:14px;
      color:#64748b;
      margin:0 0 6px;
    }
    .loya-author-date{
      font-size:13px;
      color:#64748b;
      line-height:1.45;
      text-align:right;
      font-style:italic;
    }
    .loya-author-dropdown{
      margin-top:6px;
    }
    .loya-author-dropdown summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:6px;
      color:#0b67ae;
      font-size:13px;
      font-weight:800;
      list-style:none;
      user-select:none;
    }
    .loya-author-dropdown summary::-webkit-details-marker{display:none}
    .loya-author-dropdown summary::marker{content:""}
    .loya-author-dropdown .loya-author-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }
    .loya-author-dropdown[open] .loya-author-caret{
      transform:rotate(180deg);
    }
    .loya-author-dropdown-content{
      margin-top:10px;
      padding:12px 14px;
      border-radius:14px;
      background:#ffffff;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:14px;
      line-height:1.6;
      max-width:760px;
    }
    .loya-author-dropdown-content p{
      margin:0 0 10px!important;
    }
    .loya-author-dropdown-content p:last-child{
      margin-bottom:0!important;
    }
    .loya-note{
      margin:0 0 26px;
      padding:14px 16px;
      border-radius:16px;
      background:#fff8f1;
      border:1px solid #fed7aa;
      color:#7c2d12;
      font-size:14px;
      line-height:1.6;
    }
    .loya-intro-grid{
      display:grid;
      grid-template-columns:minmax(0,1.08fr) minmax(320px,.92fr);
      gap:28px;
      align-items:start;
      margin:0 0 34px;
    }
    .loya-summary-card{
      background:linear-gradient(180deg,#ffffff 0%,#f8fbff 100%);
      border:1px solid #dbeafe;
      border-radius:24px;
      padding:24px;
      box-shadow:0 16px 40px rgba(15,23,42,.06);
    }
    .loya-summary-card h3{
      margin-bottom:10px;
    }
    .loya-mini-list{
      margin:0;
      padding-left:20px;
    }
    .loya-mini-list li{margin:0 0 8px}
    .loya-cards{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:20px;
      margin:0 0 34px;
    }
    .loya-card{
      background:#fff;
      border:1px solid #e5e7eb;
      border-radius:22px;
      padding:22px;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      height:100%;
    }
    .loya-card.blue{background:linear-gradient(135deg,#eff6ff,#fff);border-color:#bfdbfe}
    .loya-card.green{background:linear-gradient(135deg,#ecfdf5,#fff);border-color:#bbf7d0}
    .loya-card.orange{background:linear-gradient(135deg,#fff7ed,#fff);border-color:#fed7aa}
    .loya-card.purple{background:linear-gradient(135deg,#f5f3ff,#fff);border-color:#ddd6fe}
    .loya-card.gray{background:linear-gradient(135deg,#f8fafc,#fff);border-color:#e2e8f0}
    .loya-card h3{
      margin:0 0 10px;
      font-size:21px;
    }
    .loya-card p:last-child{margin-bottom:0}
    .loya-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border:1px solid #e5e7eb;
      border-radius:22px;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }
    .loya-table{
      width:100%;
      border-collapse:collapse;
      min-width:760px;
    }
    .loya-table th,
    .loya-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }
    .loya-table th{
      background:#082044;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:800;
    }
    .loya-table tr:last-child td{border-bottom:0}
    .loya-checklist,
    .loya-numbered{
      margin:0 0 26px;
      padding-left:22px;
    }
    .loya-checklist li,
    .loya-numbered li{
      margin:0 0 12px;
    }
    .loya-highlight{
      margin:26px 0;
      padding:22px 24px;
      border-radius:24px;
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border:1px solid #bfdbfe;
      box-shadow:0 14px 34px rgba(15,23,42,.05);
    }
    .loya-highlight strong{
      color:#082044;
    }
    .loya-video{
      margin:28px 0 34px;
      border-radius:24px;
      overflow:hidden;
      box-shadow:0 18px 42px rgba(15,23,42,.10);
    }
    .loya-video iframe{
      display:block;
      width:100%;
      min-height:420px;
      border:0;
    }
    .loya-cta{
  margin:42px auto 14px;
  max-width:760px;
  width:100%;
  background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
  border-radius:22px;
  padding:28px 26px 26px;
  box-shadow:0 16px 38px rgba(10,20,40,.20);
  color:#fff;
  text-align:center;
  display:block;
}

.loya-cta-title{
  display:block;
  width:100%;
  color:#fff!important;
  font-size:28px;
  line-height:1.15;
  font-weight:900;
  margin:0 0 10px!important;
  text-align:center!important;
  -webkit-text-fill-color:#fff;
}

.loya-cta-text{
  display:block;
  width:100%;
  max-width:620px;
  color:#e2e8f0!important;
  font-size:15px;
  line-height:1.55;
  font-weight:500;
  margin:0 auto 18px!important;
  text-align:center!important;
  -webkit-text-fill-color:#e2e8f0;
}

.loya-cta-form{
  display:flex;
  gap:10px;
  align-items:center;
  justify-content:center;
  flex-wrap:nowrap;
  margin:0 auto!important;
  padding:0!important;
  width:100%;
  max-width:360px;
}

.loya-cta-input{
  flex:0 0 180px;
  width:180px;
  height:46px;
  display:block;
  box-sizing:border-box;
  margin:0!important;
  padding:0 13px;
  border:none;
  border-radius:12px;
  background:#f3f4f6;
  color:#24324a;
  font-size:15px;
  line-height:46px;
  box-shadow:none;
  outline:none;
}

.loya-cta-btn{
  flex:0 0 150px;
  width:150px;
  height:46px;
  display:inline-flex;
  align-items:center;
  justify-content:center;
  box-sizing:border-box;
  border:none;
  border-radius:12px;
  background:#dc2626;
  color:#ffffff!important;
  font-size:15px;
  line-height:1;
  font-weight:800;
  text-align:center;
  padding:0 18px;
  cursor:pointer;
  -webkit-text-fill-color:#ffffff;
}

.loya-cta-btn:hover{
  background:#b91c1c;
}

@media (max-width:520px){
  .loya-cta{
    padding:24px 18px 22px;
    margin:36px auto 12px;
  }

  .loya-cta-title{
    font-size:24px;
  }

  .loya-cta-form{
    flex-wrap:wrap;
    max-width:100%;
  }

  .loya-cta-input,
  .loya-cta-btn{
    flex:1 1 100%;
    width:100%;
  }
}
    .loya-refs{
      margin-top:34px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }
    .loya-refs h3{
      font-size:22px;
      margin-bottom:12px;
    }
    .loya-refs ol{
      margin:0;
      padding-left:20px;
    }
    .loya-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }
    .loya-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:800;
    }
    @media (max-width:980px){
      .loya-intro-grid,
      .loya-cards{
        grid-template-columns:1fr;
      }
      .loya-video iframe{
        min-height:280px;
      }
      .loya-author-date{
        text-align:left;
      }
      .loya-page-title{
        font-size:36px;
      }
      .loya-page-wrap h2{
        font-size:29px;
      }
    }

/* auto-insurance-young-drivers */
.loya-young-page{
  max-width:1160px;
  margin:0 auto;
  padding:32px 22px 56px;
  color:#0f172a;
}

.loya-author-card{
  box-sizing:border-box;
  width:100%;
  margin:0 0 32px;
  padding:16px 18px;
  border:1px solid #e7edf5;
  border-radius:16px;
  background:linear-gradient(180deg,#fbfdff 0%,#f7fafc 100%);
  box-shadow:0 10px 26px rgba(15,23,42,.06);
  color:#111827;
  font-size:13px!important;
  line-height:1.6!important;
}

.loya-author-card *{
  box-sizing:border-box;
  font-size:inherit!important;
  line-height:inherit!important;
  overflow-wrap:anywhere;
}

.loya-author-top{
  display:flex;
  align-items:flex-start;
  justify-content:space-between;
  gap:14px;
}

.loya-author-left{
  min-width:0;
  flex:1 1 auto;
}

.loya-author-badge-row{
  display:flex;
  align-items:center;
  gap:12px;
  min-width:0;
}

.loya-author-icon{
  width:42px;
  height:42px;
  min-width:42px;
  border-radius:999px;
  display:flex;
  align-items:center;
  justify-content:center;
  background:linear-gradient(135deg,#13213f 0%,#22325a 100%);
  color:#fff;
  box-shadow:0 6px 16px rgba(19,33,63,.18);
  flex:0 0 42px;
}

.loya-author-byline{
  display:flex;
  flex-wrap:wrap;
  align-items:baseline;
  gap:6px;
  margin:0 0 2px!important;
}

.loya-author-by{
  font-weight:700;
  color:#1f2937;
}

.loya-author-name{
  font-weight:800;
  color:#0f172a;
}

.loya-author-role,
.loya-author-sub,
.loya-author-date{
  color:#64748b;
}

.loya-author-sub{
  margin:0!important;
  font-size:12px!important;
}

.loya-author-date{
  margin:0!important;
  white-space:nowrap;
  font-size:12px!important;
  font-style:italic;
  text-align:right;
}

.loya-author-toggle{
  margin-top:10px;
  display:inline-flex;
  align-items:center;
  gap:7px;
  cursor:pointer;
  border:0;
  background:transparent;
  padding:0;
  color:#0b4f8a;
  font-weight:700;
}

.loya-author-caret{
  display:inline-block;
  transition:transform .2s ease;
}

.loya-author-card.is-open .loya-author-caret{
  transform:rotate(180deg);
}

.loya-author-bio{
  display:none;
  margin-top:12px;
  padding-top:12px;
  border-top:1px solid #e7edf5;
  color:#334155;
}

.loya-author-card.is-open .loya-author-bio{
  display:block;
}

.loya-author-tags{
  display:flex;
  flex-wrap:wrap;
  gap:8px;
  margin:0 0 10px!important;
  padding:0;
  list-style:none;
}

.loya-author-tags li{
  margin:0;
  padding:5px 10px;
  border-radius:999px;
  background:#eef6ff;
  color:#284b7a;
  border:1px solid #dbeafe;
  font-size:11px!important;
  font-weight:700;
}

.loya-author-note{
  color:#6b7280;
  font-size:12px!important;
}

.loya-intro-grid{
  display:grid;
  grid-template-columns:1.05fr .95fr;
  gap:34px;
  align-items:center;
  margin-bottom:34px;
}

.loya-badge{
  display:inline-block;
  background:#eaf2ff;
  color:#0b4f8a;
  padding:8px 14px;
  border-radius:999px;
  font-weight:900;
  font-size:14px;
  margin-bottom:14px;
}

.loya-intro-grid p,
.loya-section p{
  color:#475569;
  font-size:17px;
  line-height:1.65;
}

.loya-image-card{
  background:#fff;
  border:1px solid #e5e7eb;
  border-radius:28px;
  padding:14px;
  box-shadow:0 22px 55px rgba(15,23,42,.12);
}

.loya-image-card img{
  width:100%;
  height:auto;
  border-radius:22px;
  display:block;
}

.loya-notice{
  background:linear-gradient(135deg,#fff7ed,#ffffff);
  border:1px solid #fed7aa;
  border-radius:24px;
  padding:24px;
  margin:28px 0;
  box-shadow:0 14px 35px rgba(15,23,42,.06);
}

.loya-notice strong{
  color:#9a3412;
}

.loya-card-grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:22px;
  margin:34px 0;
}

.loya-card{
  background:#fff;
  border:1px solid #e5e7eb;
  border-radius:24px;
  padding:26px;
  box-shadow:0 18px 45px rgba(15,23,42,.09);
}

.loya-card.blue{
  background:linear-gradient(135deg,#eff6ff,#ffffff);
  border-color:#bfdbfe;
}

.loya-card.green{
  background:linear-gradient(135deg,#ecfdf5,#ffffff);
  border-color:#bbf7d0;
}

.loya-card.orange{
  background:linear-gradient(135deg,#fff7ed,#ffffff);
  border-color:#fed7aa;
}

.loya-card.purple{
  background:linear-gradient(135deg,#f5f3ff,#ffffff);
  border-color:#ddd6fe;
}

.loya-card h2,
.loya-card h3{
  margin:0 0 12px;
  color:#082044;
  font-size:24px;
  line-height:1.15;
  font-weight:900;
}

.loya-card p,
.loya-card li{
  color:#475569;
  font-size:16px;
  line-height:1.6;
}

.loya-card ul,
.loya-card ol{
  margin:0;
  padding-left:20px;
}

.loya-section{
  margin:42px 0;
}

.loya-section h2{
  color:#082044;
  font-size:34px;
  line-height:1.1;
  margin:0 0 16px;
  font-weight:900;
}

.loya-table-wrap{
  overflow-x:auto;
  margin:22px 0;
  border-radius:22px;
  box-shadow:0 16px 42px rgba(15,23,42,.08);
  border:1px solid #e5e7eb;
}

.loya-table{
  width:100%;
  border-collapse:collapse;
  background:#fff;
  min-width:720px;
}

.loya-table th{
  background:#082044;
  color:#fff;
  text-align:left;
  padding:16px;
  font-size:15px;
}

.loya-table td{
  padding:16px;
  border-bottom:1px solid #e5e7eb;
  color:#475569;
  font-size:15px;
  line-height:1.5;
  vertical-align:top;
}

.loya-table tr:last-child td{
  border-bottom:0;
}

.loya-two-col{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:22px;
  margin-top:22px;
}

.loya-check-list{
  list-style:none;
  padding-left:0!important;
  margin:0;
}

.loya-check-list li{
  position:relative;
  padding-left:30px;
  margin-bottom:12px;
}

.loya-check-list li::before{
  content:"✓";
  position:absolute;
  left:0;
  top:1px;
  width:21px;
  height:21px;
  border-radius:999px;
  background:#dc2626;
  color:#fff;
  font-size:13px;
  font-weight:900;
  display:flex;
  align-items:center;
  justify-content:center;
}

.loya-video-card{
  background:#fff;
  border:1px solid #e5e7eb;
  border-radius:24px;
  padding:20px;
  box-shadow:0 18px 45px rgba(15,23,42,.09);
  margin-top:24px;
}

.loya-video-card iframe{
  width:100%;
  aspect-ratio:16/9;
  border:0;
  border-radius:18px;
}

.loya-final-quote-cta{
  margin:38px auto 0;
  width:100%;
  display:flex;
  justify-content:center;
  padding:0 18px;
  box-sizing:border-box;
}

.loya-final-quote-box{
  max-width:760px;
  width:100%;
  background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
  border-radius:18px;
  padding:22px 22px 20px;
  box-shadow:0 10px 28px rgba(10,20,40,.18);
  box-sizing:border-box;
}

.loya-final-quote-title{
  color:#fff!important;
  font-size:26px;
  line-height:1.15;
  font-weight:900;
  margin:0 0 8px;
  text-align:center;
  -webkit-text-fill-color:#fff;
}

.loya-final-quote-text{
  color:#fff!important;
  font-size:15px;
  line-height:1.45;
  font-weight:500;
  margin:0 0 14px;
  text-align:center;
  -webkit-text-fill-color:#fff;
}

.loya-final-quote-form{
  display:flex;
  gap:10px;
  align-items:center;
  justify-content:center;
  flex-wrap:wrap;
  margin:0;
  padding:0;
  width:100%;
}

.loya-final-zip-wrap{
  flex:0 1 180px;
  min-width:180px;
  max-width:180px;
}

.loya-final-zip-wrap input{
  width:100%;
  height:46px;
  display:block;
  box-sizing:border-box;
  margin:0;
  padding:0 13px;
  border:none;
  border-radius:10px;
  background:#f3f4f6;
  color:#24324a;
  font-size:15px;
  line-height:46px;
  box-shadow:none;
  outline:none;
}

.loya-final-btn-wrap{
  flex:0 0 155px;
  min-width:155px;
}

.loya-final-btn-wrap button{
  width:100%;
  height:46px;
  display:inline-flex;
  align-items:center;
  justify-content:center;
  box-sizing:border-box;
  border:none;
  border-radius:10px;
  background:#dc2626;
  color:#fff!important;
  font-size:15px;
  line-height:1;
  font-weight:800;
  text-align:center;
  padding:0 18px;
  cursor:pointer;
  -webkit-text-fill-color:#fff;
}

.loya-final-btn-wrap button:hover{
  background:#b91c1c;
}

.loya-references{
  margin-top:34px;
  padding-top:20px;
  border-top:1px solid #e5e7eb;
  color:#64748b;
  font-size:14px;
  line-height:1.6;
}

.loya-references h2{
  font-size:22px;
  color:#082044;
  margin-bottom:10px;
}

.loya-references ol{
  padding-left:20px;
}

.loya-references li{
  margin-bottom:10px;
}

@media(max-width:900px){
  .loya-intro-grid,
  .loya-card-grid,
  .loya-two-col{
    grid-template-columns:1fr;
  }

  .loya-young-page{
    padding:24px 18px 40px;
  }

  .loya-section h2{
    font-size:28px;
  }
}

@media(max-width:640px){
  .loya-author-top{
    flex-direction:column;
    align-items:flex-start;
    gap:10px;
  }

  .loya-author-date{
    white-space:normal;
    text-align:left;
    font-size:11px!important;
  }

  .loya-author-role{
    display:none!important;
  }

  .loya-final-zip-wrap,
  .loya-final-btn-wrap{
    flex:1 1 100%;
    min-width:100%;
    max-width:100%;
  }
}

/* loya-insurance-coverage-types */
.lcg-page,.lcg-page *{box-sizing:border-box}.lcg-page{max-width:1180px;margin:0 auto;padding:0 24px 58px;color:#172033;font-size:17px;line-height:1.72}.lcg-page p{margin:0 0 18px}.lcg-page h2{margin:0 0 16px;color:#0b1f3a;font-size:34px;line-height:1.14;font-weight:900;letter-spacing:-.025em}.lcg-page h3{margin:0 0 11px;color:#0b1f3a;font-size:23px;line-height:1.22;font-weight:850}.lcg-page a{color:#0b67ae;text-decoration:underline;text-underline-offset:2px}.lcg-author{margin:18px 0 32px;border-radius:24px;overflow:hidden;background:#fff;border:1px solid #e2e8f0;box-shadow:0 14px 34px rgba(15,23,42,.06)}.lcg-author-main{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:18px;align-items:flex-start;padding:18px 20px;background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 52%,#fff7ed 100%);border-bottom:1px solid #e2e8f0}.lcg-badge{display:inline-flex;margin:0 0 8px;padding:6px 11px;border-radius:999px;background:#0b1f3a;color:#fff;font-size:12px;line-height:1;font-weight:900;letter-spacing:.04em;text-transform:uppercase}.lcg-author-name{margin:0;color:#0b1f3a;font-size:18px;line-height:1.25;font-weight:900}.lcg-author-role{margin:4px 0 0!important;color:#64748b;font-size:13px;line-height:1.45;font-weight:650}.lcg-author-date{color:#64748b;font-size:13px;line-height:1.45;font-style:italic;text-align:right;white-space:nowrap}.lcg-author-body{padding:15px 20px 17px;background:#fff}.lcg-author details{margin:0}.lcg-author summary{cursor:pointer;display:inline-flex;align-items:center;gap:8px;color:#0b67ae;font-size:13px;line-height:1.3;font-weight:850;list-style:none;user-select:none}.lcg-author summary::-webkit-details-marker{display:none}.lcg-caret{display:inline-block;transition:transform .2s ease;font-size:12px;line-height:1}.lcg-author details[open] .lcg-caret{transform:rotate(180deg)}.lcg-author-panel{margin-top:12px;padding:14px 16px;max-width:870px;border-radius:16px;border:1px solid #e2e8f0;background:linear-gradient(135deg,#f8fafc,#fff);color:#475569;font-size:14px;line-height:1.65}.lcg-author-panel p{margin:0 0 10px!important}.lcg-author-panel p:last-child{margin-bottom:0!important}.lcg-hero{margin:0 0 40px;display:grid;grid-template-columns:minmax(0,.92fr) minmax(360px,1.08fr);gap:0;border-radius:34px;overflow:hidden;background:#fff;border:1px solid #dbeafe;box-shadow:0 22px 54px rgba(15,23,42,.12)}.lcg-hero-copy{padding:38px;background:radial-gradient(circle at 18% 16%,rgba(255,122,26,.22),transparent 32%),linear-gradient(135deg,#07182f 0%,#0b1f3a 56%,#12335f 100%);color:#fff;display:flex;flex-direction:column;justify-content:center}.lcg-eyebrow{display:inline-flex;width:max-content;margin:0 0 18px;padding:8px 14px;border-radius:999px;background:rgba(255,255,255,.16);color:#fff;font-size:13px;line-height:1;font-weight:900;letter-spacing:.04em;text-transform:uppercase}.lcg-hero-copy h2{color:#fff;font-size:39px;line-height:1.08}.lcg-hero-copy p{color:#eaf2ff}.lcg-hero-copy a{color:#bfdbfe}.lcg-hero-media{background:#f8fafc;display:flex;flex-direction:column}.lcg-hero-media figure{margin:0;display:flex;flex-direction:column;height:100%}.lcg-hero-media img{display:block;width:100%;height:100%;min-height:420px;object-fit:cover;object-position:center;flex:1}.lcg-hero-media figcaption{margin:0;padding:13px 15px;color:#475569;background:#f8fafc;font-size:13px;line-height:1.45;border-top:1px solid #e2e8f0}.lcg-snapshot{margin:0 0 38px;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px}.lcg-snap{padding:19px;border-radius:22px;background:#fff;border:1px solid #e5e7eb;box-shadow:0 12px 30px rgba(15,23,42,.045)}.lcg-snap.blue{background:linear-gradient(135deg,#eff6ff,#fff);border-color:#bfdbfe}.lcg-snap.green{background:linear-gradient(135deg,#ecfdf5,#fff);border-color:#bbf7d0}.lcg-snap.orange{background:linear-gradient(135deg,#fff7ed,#fff);border-color:#fed7aa}.lcg-snap.purple{background:linear-gradient(135deg,#f5f3ff,#fff);border-color:#ddd6fe}.lcg-snap strong{display:block;margin:0 0 5px;color:#0b1f3a;font-size:18px;line-height:1.2;font-weight:950}.lcg-snap span{display:block;color:#475569;font-size:14px;line-height:1.5}.lcg-section{margin:46px 0}.lcg-note{margin:24px 0;padding:20px 22px;border-radius:22px;background:#fff7ed;border:1px solid #fed7aa;color:#7c2d12;box-shadow:0 12px 30px rgba(124,45,18,.055)}.lcg-note strong{color:#9a3412;font-weight:900}.lcg-grid-2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px;margin:24px 0 0}.lcg-grid-3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;margin:24px 0 0}.lcg-card{height:100%;padding:22px;border-radius:22px;border:1px solid #e5e7eb;background:#fff;box-shadow:0 14px 34px rgba(15,23,42,.055)}.lcg-card.blue{background:linear-gradient(135deg,#eff6ff,#fff);border-color:#bfdbfe}.lcg-card.green{background:linear-gradient(135deg,#ecfdf5,#fff);border-color:#bbf7d0}.lcg-card.orange{background:linear-gradient(135deg,#fff7ed,#fff);border-color:#fed7aa}.lcg-card.purple{background:linear-gradient(135deg,#f5f3ff,#fff);border-color:#ddd6fe}.lcg-card.yellow{background:linear-gradient(135deg,#fefce8,#fff);border-color:#fde68a}.lcg-card p:last-child{margin-bottom:0}.lcg-list{margin:0 0 20px;padding-left:22px}.lcg-list li{margin:0 0 12px}.lcg-table-wrap{margin:24px 0 30px;overflow-x:auto;border-radius:22px;border:1px solid #e5e7eb;background:#fff;box-shadow:0 16px 36px rgba(15,23,42,.05)}.lcg-table{width:100%;border-collapse:collapse;min-width:780px;background:#fff}.lcg-table th,.lcg-table td{padding:16px 18px;text-align:left;vertical-align:top;border-bottom:1px solid #e5e7eb;font-size:15px;line-height:1.55}.lcg-table th{background:#0b1f3a;color:#fff;font-size:14px;text-transform:uppercase;letter-spacing:.04em;font-weight:850}.lcg-table tbody tr:nth-child(even) td{background:#f8fafc}.lcg-table tr:last-child td{border-bottom:0}.lcg-panel{margin:42px 0;display:grid;grid-template-columns:330px minmax(0,1fr);gap:24px;align-items:start}.lcg-panel-side{padding:24px;border-radius:28px;background:linear-gradient(135deg,#0b1f3a,#12335f);color:#fff;box-shadow:0 18px 42px rgba(8,32,68,.20)}.lcg-panel-side h2,.lcg-panel-side h3{color:#fff}.lcg-panel-side p,.lcg-panel-side li{color:#e2e8f0;font-size:15px;line-height:1.6}.lcg-image-band{margin:44px 0;display:grid;grid-template-columns:minmax(0,.82fr) minmax(360px,1.18fr);gap:24px;align-items:center;padding:26px;border-radius:30px;background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 100%);border:1px solid #dbeafe;box-shadow:0 18px 42px rgba(15,23,42,.065)}.lcg-image-band figure{margin:0}.lcg-image-band img{display:block;width:100%;height:auto;border-radius:22px;box-shadow:0 16px 38px rgba(15,23,42,.10)}.lcg-youtube{margin:42px 0;padding:24px;border-radius:28px;background:linear-gradient(135deg,#fef2f2,#fff);border:1px solid #fecaca;box-shadow:0 14px 34px rgba(15,23,42,.055)}.lcg-youtube a{display:inline-flex;margin-top:4px;padding:11px 16px;border-radius:999px;background:#dc2626;color:#fff!important;text-decoration:none!important;font-weight:850}.lcg-faq details{margin:0 0 12px;padding:17px 19px;border-radius:16px;background:#fff;border:1px solid #e5e7eb;box-shadow:0 10px 26px rgba(15,23,42,.04)}.lcg-faq summary{cursor:pointer;color:#0b1f3a;font-weight:850;list-style:none}.lcg-faq summary::-webkit-details-marker{display:none}.lcg-faq p{margin:12px 0 0!important;color:#475569;font-size:15px;line-height:1.6}.lcg-simple-cta{margin:46px auto 36px;width:100%;display:flex;justify-content:center}.lcg-simple-cta-box{max-width:760px;width:100%;background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);border-radius:22px;padding:22px 22px 20px;box-shadow:0 16px 38px rgba(10,20,40,.20);border:1px solid rgba(255,255,255,.08)}.lcg-simple-title{display:block;color:#fff!important;font-size:26px;line-height:1.15;font-weight:900;margin:0 0 6px;text-align:center;-webkit-text-fill-color:#fff}.lcg-simple-sub{display:block;color:#e2e8f0!important;font-size:14px;line-height:1.45;font-weight:500;margin:0 0 12px;text-align:center;-webkit-text-fill-color:#e2e8f0}.lcg-simple-form{display:flex;gap:10px;align-items:center;justify-content:center;flex-wrap:wrap;margin:0;padding:0;width:100%}.lcg-simple-form input,.lcg-simple-form select{width:100%;height:46px;display:block;box-sizing:border-box;margin:0;padding:0 12px;border:none;border-radius:12px;background:#f3f4f6;color:#24324a;font-size:15px;line-height:46px;box-shadow:none;outline:none}.lcg-simple-form button{width:100%;height:46px;display:inline-flex;align-items:center;justify-content:center;box-sizing:border-box;border:none;border-radius:12px;background:#dc2626;color:#fff!important;font-size:15px;line-height:1;font-weight:800;text-align:center;padding:0 18px;cursor:pointer;-webkit-text-fill-color:#fff}.lcg-editorial{margin:34px 0;padding:18px 20px;border-radius:20px;background:#f8fafc;border:1px solid #e2e8f0;color:#475569;font-size:15px;line-height:1.65}.lcg-refs{margin-top:36px;padding-top:24px;border-top:1px solid #e5e7eb}.lcg-refs h3{margin:0 0 12px;color:#0b1f3a;font-size:22px;line-height:1.2;font-weight:900}.lcg-refs ol{margin:0;padding-left:20px}.lcg-refs li{margin:0 0 10px;color:#334155;font-size:15px;line-height:1.6}.lcg-ref-back{margin-left:6px;white-space:nowrap;text-decoration:none!important;font-weight:850}@media(max-width:980px){.lcg-author-main,.lcg-hero,.lcg-snapshot,.lcg-grid-2,.lcg-grid-3,.lcg-panel,.lcg-image-band{grid-template-columns:1fr}.lcg-author-date{text-align:left;white-space:normal}.lcg-hero-media img{min-height:auto}}@media(max-width:640px){.lcg-page{padding:0 18px 44px;font-size:16px}.lcg-page h2{font-size:28px}.lcg-hero-copy,.lcg-image-band,.lcg-panel-side{padding:22px}.lcg-hero-copy h2{font-size:31px}.lcg-simple-form{flex-direction:column}}

/* very-cheap-car-insurance-with-no-deposit */
.loya-nodeposit-page,.loya-nodeposit-page *{box-sizing:border-box}

.loya-nodeposit-page{
  max-width:1160px;
  margin:0 auto;
  color:#0f172a;
  font-size:17px;
  line-height:1.72;
}

.loya-nodeposit-page img{
  max-width:100%;
  height:auto;
}

.loya-nodeposit-page p{
  margin:0 0 18px;
}

.loya-nodeposit-page h2{
  font-size:34px;
  line-height:1.15;
  margin:0 0 16px;
  color:#082044;
  font-weight:900;
  letter-spacing:-.02em;
}

.loya-nodeposit-page h3{
  font-size:23px;
  line-height:1.2;
  margin:0 0 12px;
  color:#082044;
  font-weight:850;
}

.loya-nodeposit-page a{
  color:#0b67ae;
  text-decoration:underline;
  text-underline-offset:2px;
}

.loya-author-card{
  margin:16px 0 28px;
  padding:18px 20px;
  border:1px solid #e2e8f0;
  border-radius:18px;
  background:#f8fafc;
  box-shadow:0 10px 30px rgba(15,23,42,.05);
}

.loya-author-top{
  display:flex;
  justify-content:space-between;
  gap:16px;
  align-items:flex-start;
  flex-wrap:wrap;
}

.loya-author-left{
  display:flex;
  gap:14px;
  align-items:flex-start;
  min-width:0;
  flex:1 1 auto;
}

.loya-author-icon{
  width:48px;
  height:48px;
  border-radius:999px;
  background:#082044;
  color:#fff;
  display:flex;
  align-items:center;
  justify-content:center;
  font-size:20px;
  flex:0 0 48px;
  box-shadow:0 10px 20px rgba(8,32,68,.18);
}

.loya-author-name{
  font-size:18px;
  font-weight:850;
  color:#082044;
  line-height:1.25;
  margin:0 0 4px;
}

.loya-author-role{
  font-size:14px;
  color:#64748b;
  margin:0 0 6px!important;
}

.loya-author-date{
  font-size:13px;
  color:#64748b;
  line-height:1.45;
  text-align:right;
  font-style:italic;
}

.loya-author-dropdown{
  margin-top:6px;
}

.loya-author-dropdown summary{
  cursor:pointer;
  display:inline-flex;
  align-items:center;
  gap:6px;
  color:#0b67ae;
  font-size:13px;
  font-weight:850;
  list-style:none;
  user-select:none;
}

.loya-author-dropdown summary::-webkit-details-marker{
  display:none;
}

.loya-author-dropdown summary::marker{
  content:"";
}

.loya-author-caret{
  display:inline-block;
  transition:transform .2s ease;
  font-size:12px;
  line-height:1;
}

.loya-author-dropdown[open] .loya-author-caret{
  transform:rotate(180deg);
}

.loya-author-dropdown-content{
  margin-top:10px;
  padding:12px 14px;
  border-radius:14px;
  background:#fff;
  border:1px solid #e2e8f0;
  color:#475569;
  font-size:14px;
  line-height:1.6;
  max-width:760px;
}

.loya-author-dropdown-content p{
  margin:0 0 10px!important;
}

.loya-author-dropdown-content p:last-child{
  margin-bottom:0!important;
}

.loya-intro-grid{
  display:grid;
  grid-template-columns:minmax(0,1.06fr) minmax(320px,.94fr);
  gap:30px;
  align-items:center;
  margin:0 0 34px;
}

.loya-intro-grid > *{
  min-width:0;
}

.loya-eyebrow{
  display:inline-flex;
  align-items:center;
  padding:8px 14px;
  border-radius:999px;
  background:#eaf3ff;
  color:#0b67ae;
  font-size:13px;
  font-weight:850;
  letter-spacing:.03em;
  text-transform:uppercase;
  margin:0 0 18px;
}

.loya-image-card{
  background:#fff;
  border:1px solid #e5e7eb;
  border-radius:26px;
  padding:14px;
  box-shadow:0 18px 44px rgba(15,23,42,.08);
  overflow:hidden;
  align-self:start;
  justify-self:end;
  max-width:460px;
  width:100%;
}

.loya-image-card img{
  display:block;
  width:100%;
  height:auto;
  border-radius:20px;
}

.loya-cards{
  display:grid;
  grid-template-columns:repeat(3,minmax(0,1fr));
  gap:20px;
  margin:0 0 24px;
}

.loya-card{
  background:#fff;
  border:1px solid #e5e7eb;
  border-radius:22px;
  padding:22px;
  box-shadow:0 14px 34px rgba(15,23,42,.06);
  height:100%;
  min-width:0;
}

.loya-card.blue{
  background:linear-gradient(135deg,#eff6ff,#fff);
  border-color:#bfdbfe;
}

.loya-card.green{
  background:linear-gradient(135deg,#ecfdf5,#fff);
  border-color:#bbf7d0;
}

.loya-card.orange{
  background:linear-gradient(135deg,#fff7ed,#fff);
  border-color:#fed7aa;
}

.loya-card.purple{
  background:linear-gradient(135deg,#f5f3ff,#fff);
  border-color:#ddd6fe;
}

.loya-card p:last-child{
  margin-bottom:0;
}

.loya-section{
  margin:30px 0;
}

.loya-section:first-of-type{
  margin-top:24px;
}

.loya-table-wrap{
  margin:20px 0 24px;
  overflow-x:auto;
  border:1px solid #e5e7eb;
  border-radius:22px;
  background:#fff;
  box-shadow:0 16px 36px rgba(15,23,42,.05);
}

.loya-table{
  width:100%;
  border-collapse:collapse;
  min-width:760px;
}

.loya-table th,
.loya-table td{
  padding:16px 18px;
  text-align:left;
  vertical-align:top;
  border-bottom:1px solid #e5e7eb;
  font-size:15px;
  line-height:1.55;
}

.loya-table th{
  background:#082044;
  color:#fff;
  font-size:14px;
  text-transform:uppercase;
  letter-spacing:.04em;
  font-weight:850;
}

.loya-table tr:last-child td{
  border-bottom:0;
}

.loya-two-col{
  display:grid;
  grid-template-columns:repeat(2,minmax(0,1fr));
  gap:22px;
  margin:18px 0 0;
}

.loya-checklist,
.loya-numbered{
  margin:0 0 20px;
  padding-left:22px;
}

.loya-checklist li,
.loya-numbered li{
  margin:0 0 12px;
}

.loya-soft-note{
  margin:30px 0 22px;
  padding:13px 16px;
  border-radius:14px;
  background:#f8fafc;
  border:1px solid #e5e7eb;
  color:#64748b;
  font-size:13px;
  line-height:1.55;
}

.loya-soft-note strong{
  color:#082044;
  font-weight:850;
}

.loya-cta{
  margin:36px auto 10px;
  max-width:760px;
  background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
  border-radius:22px;
  padding:22px 22px 20px;
  box-shadow:0 16px 38px rgba(10,20,40,.20);
  color:#fff;
}

.loya-cta-title{
  display:block;
  color:#fff!important;
  font-size:28px;
  line-height:1.1;
  font-weight:900;
  margin:0 0 8px;
  text-align:center;
}

.loya-cta-text{
  display:block;
  color:#e2e8f0!important;
  font-size:15px;
  line-height:1.55;
  font-weight:500;
  margin:0 0 14px;
  text-align:center;
}

.loya-cta-form{
  display:flex;
  gap:10px;
  align-items:center;
  justify-content:center;
  flex-wrap:wrap;
  margin:0;
  padding:0;
  width:100%;
}

.loya-cta-input{
  flex:0 1 180px;
  min-width:180px;
  max-width:180px;
  width:100%;
  height:46px;
  display:block;
  box-sizing:border-box;
  margin:0;
  padding:0 12px;
  border:none;
  border-radius:12px;
  background:#f3f4f6;
  color:#24324a;
  font-size:15px;
  line-height:46px;
  box-shadow:none;
  outline:none;
}

.loya-cta-btn{
  width:100%;
  height:46px;
  display:inline-flex;
  align-items:center;
  justify-content:center;
  box-sizing:border-box;
  border:none;
  border-radius:12px;
  background:#ff7a1a;
  color:#fff!important;
  font-size:15px;
  line-height:1;
  font-weight:850;
  text-align:center;
  padding:0 18px;
  cursor:pointer;
  -webkit-text-fill-color:#fff;
}

.loya-refs{
  margin-top:30px;
  padding-top:22px;
  border-top:1px solid #e5e7eb;
}

.loya-refs h3{
  font-size:22px;
  margin-bottom:12px;
}

.loya-refs ol{
  margin:0;
  padding-left:20px;
}

.loya-refs li{
  margin:0 0 10px;
  color:#334155;
  font-size:15px;
  line-height:1.6;
}

.loya-ref-back{
  margin-left:6px;
  white-space:nowrap;
  text-decoration:none!important;
  font-weight:850;
}

@media(max-width:980px){
  .loya-intro-grid,
  .loya-cards,
  .loya-two-col{
    grid-template-columns:1fr;
  }

  .loya-image-card{
    justify-self:center;
    max-width:560px;
  }

  .loya-author-date{
    text-align:left;
  }
}

@media(max-width:640px){
  div[style*="max-width:1160px"]{
    padding-left:16px!important;
    padding-right:16px!important;
  }

  .loya-nodeposit-page{
    font-size:16px;
    line-height:1.68;
  }

  .loya-nodeposit-page h2{
    font-size:28px;
    margin-bottom:14px;
  }

  .loya-nodeposit-page h3{
    font-size:21px;
  }

  .loya-author-card{
    padding:16px;
  }

  .loya-author-left{
    gap:12px;
  }

  .loya-author-icon{
    width:42px;
    height:42px;
    flex-basis:42px;
  }

  .loya-image-card{
    padding:10px;
    border-radius:20px;
  }

  .loya-image-card img{
    border-radius:15px;
  }

  .loya-card{
    padding:18px;
  }

  .loya-cards{
    margin-bottom:22px;
  }

  .loya-section{
    margin:26px 0;
  }

  .loya-table-wrap{
    margin:18px 0 22px;
  }

  .loya-cta{
    padding:20px 16px;
    margin:32px auto 10px;
  }

  .loya-cta-input{
    flex:1 1 100%;
    min-width:0;
    max-width:none;
  }

  .loya-cta-form > div{
    flex:1 1 100%!important;
    min-width:0!important;
  }
}
/* Force normal section spacing on no-deposit page */
.loya-nodeposit-page .loya-section{
  margin:22px 0!important;
}

.loya-nodeposit-page .loya-section h2{
  margin:0 0 14px!important;
  padding:0!important;
}

.loya-nodeposit-page .loya-cards{
  margin:0 0 20px!important;
}

.loya-nodeposit-page .loya-table-wrap{
  margin:18px 0 20px!important;
}

.loya-nodeposit-page .loya-two-col{
  margin:16px 0 0!important;
}

.loya-nodeposit-page .loya-card{
  margin-bottom:0!important;
}

/* loya-car-insurance */
.loya-full-review-page,
    .loya-full-review-page *{
      box-sizing:border-box;
    }

    .loya-full-review-page{
      max-width:1180px;
      margin:0 auto;
      padding:0 24px 52px;
      color:#0f172a;
      font-size:17px;
      line-height:1.72;
    }

    .loya-full-review-page p{
      margin:0 0 18px;
    }

    .loya-full-review-page h2{
      margin:0 0 18px;
      color:#082044;
      font-size:34px;
      line-height:1.14;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .loya-full-review-page h3{
      margin:0 0 12px;
      color:#082044;
      font-size:23px;
      line-height:1.22;
      font-weight:850;
    }

    .loya-full-review-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .loya-review-author{
      margin:18px 0 30px;
      border-radius:24px;
      overflow:hidden;
      border:1px solid #e2e8f0;
      background:#fff;
      box-shadow:0 16px 38px rgba(15,23,42,.07);
    }

    .loya-review-author-top{
      display:grid;
      grid-template-columns:minmax(0,1fr) auto;
      gap:16px;
      align-items:flex-start;
      padding:18px 20px;
      background:linear-gradient(135deg,#082044,#12335f);
      color:#fff;
    }

    .loya-review-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .loya-review-author-name{
      margin:0 0 4px;
      color:#fff;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .loya-review-author-role{
      margin:0!important;
      color:#dbeafe;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .loya-review-author-date{
      color:#dbeafe;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
      padding-top:4px;
    }

    .loya-review-author-body{
      padding:16px 20px 18px;
      background:#fff;
    }

    .loya-review-author details{
      margin:0;
    }

    .loya-review-author summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:7px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .loya-review-author summary::-webkit-details-marker{
      display:none;
    }

    .loya-review-author summary::marker{
      content:"";
    }

    .loya-review-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .loya-review-author details[open] .loya-review-caret{
      transform:rotate(180deg);
    }

    .loya-review-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:820px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .loya-review-author-panel p{
      margin:0 0 10px!important;
    }

    .loya-review-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .loya-review-hero{
      display:grid;
      grid-template-columns:minmax(0,1.05fr) minmax(320px,.95fr);
      gap:28px;
      align-items:stretch;
      margin:0 0 38px;
    }

    .loya-review-hero-copy{
      padding:30px;
      border-radius:30px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 54%,#fff7ed 100%);
      border:1px solid #dbeafe;
      box-shadow:0 18px 44px rgba(15,23,42,.075);
    }

    .loya-review-eyebrow{
      display:inline-flex;
      align-items:center;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:#ff6600;
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .loya-review-lede{
      color:#334155;
      font-size:18px;
      line-height:1.72;
    }

    .loya-review-figure{
      margin:0;
      border-radius:28px;
      overflow:hidden;
      border:1px solid #e2e8f0;
      background:#fff;
      box-shadow:0 18px 42px rgba(15,23,42,.075);
      height:100%;
    }

    .loya-review-figure img{
      display:block;
      width:100%;
      height:100%;
      min-height:410px;
      object-fit:cover;
    }

    .loya-review-figure figcaption{
      margin:0;
      padding:12px 14px;
      color:#475569;
      background:#f8fafc;
      font-size:13px;
      line-height:1.45;
    }

    .loya-review-top-grid{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:16px;
      margin:0 0 40px;
    }

    .loya-review-top-card{
      padding:18px;
      border-radius:20px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 12px 30px rgba(15,23,42,.055);
    }

    .loya-review-top-card strong{
      display:block;
      margin:0 0 6px;
      color:#082044;
      font-size:18px;
      line-height:1.2;
      font-weight:900;
    }

    .loya-review-top-card span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.55;
    }

    .loya-review-top-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .loya-review-top-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .loya-review-top-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .loya-review-top-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .loya-review-section{
      margin:44px 0;
    }

    .loya-review-note{
      margin:24px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .loya-review-note strong{
      color:#9a3412;
      font-weight:900;
    }

    .loya-review-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:22px;
      margin:24px 0 0;
    }

    .loya-review-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .loya-review-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .loya-review-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .loya-review-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .loya-review-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .loya-review-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .loya-review-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .loya-review-card p:last-child{
      margin-bottom:0;
    }

    .loya-review-list,
    .loya-review-numbered{
      margin:0 0 20px;
      padding-left:22px;
    }

    .loya-review-list li,
    .loya-review-numbered li{
      margin:0 0 12px;
    }

    .loya-review-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .loya-review-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .loya-review-table th,
    .loya-review-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .loya-review-table th{
      background:#082044;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .loya-review-table td{
      background:#fff;
      color:#0f172a;
    }

    .loya-review-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .loya-review-table tr:last-child td{
      border-bottom:0;
    }

    .loya-review-dark{
      margin:44px 0;
      padding:28px;
      border-radius:30px;
      background:linear-gradient(135deg,#082044,#13213f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.22);
    }

    .loya-review-dark h2,
    .loya-review-dark h3{
      color:#fff;
    }

    .loya-review-dark p,
    .loya-review-dark li{
      color:#e2e8f0;
    }

    .loya-review-dark a{
      color:#bfdbfe;
    }

    .loya-review-dark .loya-review-card{
      background:rgba(255,255,255,.10);
      border-color:rgba(255,255,255,.22);
      box-shadow:none;
    }

    .loya-review-split{
      margin:44px 0;
      display:grid;
      grid-template-columns:minmax(0,.95fr) minmax(0,1.05fr);
      border-radius:30px;
      overflow:hidden;
      border:1px solid #dbeafe;
      background:#fff;
      box-shadow:0 18px 42px rgba(15,23,42,.075);
    }

    .loya-review-split-left{
      padding:28px;
      background:linear-gradient(135deg,#0f172a,#082044);
      color:#fff;
    }

    .loya-review-split-left h2,
    .loya-review-split-left h3{
      color:#fff;
    }

    .loya-review-split-left p,
    .loya-review-split-left li{
      color:#e2e8f0;
    }

    .loya-review-split-left a{
      color:#bfdbfe;
    }

    .loya-review-split-right{
      padding:28px;
      background:#fff;
      color:#0f172a;
    }

    .loya-review-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .loya-review-faq summary{
      cursor:pointer;
      color:#082044;
      font-weight:850;
      list-style:none;
    }

    .loya-review-faq summary::-webkit-details-marker{
      display:none;
    }

    .loya-review-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .loya-review-cta{
      margin:44px auto 12px;
      max-width:820px;
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#111827 0%,#082044 100%);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.24);
      text-align:center;
    }

    .loya-review-cta-title{
      display:block;
      margin:0 0 8px;
      color:#fff!important;
      font-size:29px;
      line-height:1.12;
      font-weight:950;
      letter-spacing:-.02em;
    }

    .loya-review-cta-text{
      display:block;
      margin:0 0 15px;
      color:#e2e8f0!important;
      font-size:15px;
      line-height:1.55;
    }

    .loya-review-cta-form{
      display:flex;
      justify-content:center;
      align-items:center;
      flex-wrap:wrap;
      gap:10px;
      margin:0;
      padding:0;
    }

    .loya-review-cta-input{
      width:180px;
      height:46px;
      border:0;
      border-radius:12px;
      background:#f8fafc;
      color:#0f172a;
      padding:0 13px;
      font-size:15px;
      outline:none;
    }

    .loya-review-cta-btn{
      height:46px;
      border:0;
      border-radius:12px;
      background:#ff7a1a;
      color:#fff!important;
      font-size:15px;
      font-weight:850;
      padding:0 20px;
      cursor:pointer;
      -webkit-text-fill-color:#fff;
    }

    .loya-review-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .loya-review-refs h3{
      margin:0 0 12px;
      color:#082044;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .loya-review-refs ol{
      margin:0;
      padding-left:20px;
    }

    .loya-review-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .loya-review-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .loya-review-author-top,
      .loya-review-hero,
      .loya-review-top-grid,
      .loya-review-grid-2,
      .loya-review-grid-3,
      .loya-review-split{
        grid-template-columns:1fr;
      }

      .loya-review-author-date{
        text-align:left;
        white-space:normal;
        padding-top:0;
      }

      .loya-review-figure img{
        min-height:280px;
      }
    }

    @media(max-width:640px){
      .loya-full-review-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .loya-full-review-page h2{
        font-size:28px;
      }

      .loya-review-hero-copy,
      .loya-review-dark,
      .loya-review-split-left,
      .loya-review-split-right{
        padding:22px;
      }
    }

/* understanding-the-benefits-of-loya-casualty-insurance-for-auto-coverage */
.loya-casualty-page,
    .loya-casualty-page *{
      box-sizing:border-box;
    }

    .loya-casualty-page{
      max-width:1180px;
      margin:0 auto;
      padding:0 24px 52px;
      color:#0f172a;
      font-size:17px;
      line-height:1.72;
    }

    .loya-casualty-page p{
      margin:0 0 18px;
    }

    .loya-casualty-page h2{
      margin:0 0 18px;
      color:#082044;
      font-size:34px;
      line-height:1.14;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .loya-casualty-page h3{
      margin:0 0 12px;
      color:#082044;
      font-size:23px;
      line-height:1.22;
      font-weight:850;
    }

    .loya-casualty-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .loya-casualty-author{
      margin:18px 0 30px;
      border-radius:24px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 16px 38px rgba(15,23,42,.07);
    }

    .loya-casualty-author-head{
      display:grid;
      grid-template-columns:minmax(0,1fr) auto;
      gap:18px;
      align-items:flex-start;
      padding:18px 20px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .loya-casualty-badge{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#082044;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .loya-casualty-author-name{
      margin:0 0 4px;
      color:#082044;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .loya-casualty-author-role{
      margin:0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .loya-casualty-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
      padding-top:4px;
    }

    .loya-casualty-author-body{
      padding:16px 20px 18px;
      background:#fff;
    }

    .loya-casualty-author details{
      margin:0;
    }

    .loya-casualty-author summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:7px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .loya-casualty-author summary::-webkit-details-marker{
      display:none;
    }

    .loya-casualty-author summary::marker{
      content:"";
    }

    .loya-casualty-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .loya-casualty-author details[open] .loya-casualty-caret{
      transform:rotate(180deg);
    }

    .loya-casualty-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:820px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .loya-casualty-author-panel p{
      margin:0 0 10px!important;
    }

    .loya-casualty-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .loya-casualty-hero{
      display:grid;
      grid-template-columns:minmax(0,1.04fr) minmax(320px,.96fr);
      gap:28px;
      align-items:stretch;
      margin:0 0 38px;
    }

    .loya-casualty-hero-copy{
      padding:30px;
      border-radius:30px;
      background:linear-gradient(135deg,#082044 0%,#12335f 56%,#0b67ae 100%);
      color:#fff;
      box-shadow:0 18px 44px rgba(8,32,68,.22);
    }

    .loya-casualty-eyebrow{
      display:inline-flex;
      align-items:center;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .loya-casualty-hero-copy h2{
      color:#fff;
    }

    .loya-casualty-hero-copy p{
      color:#eaf2ff;
    }

    .loya-casualty-hero-copy a{
      color:#bfdbfe;
    }

    .loya-casualty-lede{
      font-size:18px;
      line-height:1.72;
    }

    .loya-casualty-figure{
      margin:0;
      border-radius:28px;
      overflow:hidden;
      border:1px solid #e2e8f0;
      background:#fff;
      box-shadow:0 18px 42px rgba(15,23,42,.075);
      height:100%;
    }

    .loya-casualty-figure img{
      display:block;
      width:100%;
      height:100%;
      min-height:390px;
      object-fit:cover;
    }

    .loya-casualty-figure figcaption{
      margin:0;
      padding:12px 14px;
      color:#475569;
      background:#f8fafc;
      font-size:13px;
      line-height:1.45;
    }

    .loya-casualty-pill-row{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:16px;
      margin:0 0 40px;
    }

    .loya-casualty-pill{
      padding:18px;
      border-radius:20px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 12px 30px rgba(15,23,42,.055);
    }

    .loya-casualty-pill strong{
      display:block;
      margin:0 0 6px;
      color:#082044;
      font-size:18px;
      line-height:1.2;
      font-weight:900;
    }

    .loya-casualty-pill span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.55;
    }

    .loya-casualty-pill.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .loya-casualty-pill.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .loya-casualty-pill.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .loya-casualty-pill.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .loya-casualty-section{
      margin:44px 0;
    }

    .loya-casualty-note{
      margin:24px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .loya-casualty-note strong{
      color:#9a3412;
      font-weight:900;
    }

    .loya-casualty-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:22px;
      margin:24px 0 0;
    }

    .loya-casualty-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .loya-casualty-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .loya-casualty-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .loya-casualty-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .loya-casualty-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .loya-casualty-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .loya-casualty-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .loya-casualty-card p:last-child{
      margin-bottom:0;
    }

    .loya-casualty-list,
    .loya-casualty-numbered{
      margin:0 0 20px;
      padding-left:22px;
    }

    .loya-casualty-list li,
    .loya-casualty-numbered li{
      margin:0 0 12px;
    }

    .loya-casualty-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .loya-casualty-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .loya-casualty-table th,
    .loya-casualty-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .loya-casualty-table th{
      background:#082044;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .loya-casualty-table td{
      background:#fff;
      color:#0f172a;
    }

    .loya-casualty-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .loya-casualty-table tr:last-child td{
      border-bottom:0;
    }

    .loya-casualty-dark{
      margin:44px 0;
      padding:28px;
      border-radius:30px;
      background:linear-gradient(135deg,#082044,#13213f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.22);
    }

    .loya-casualty-dark h2,
    .loya-casualty-dark h3{
      color:#fff;
    }

    .loya-casualty-dark p,
    .loya-casualty-dark li{
      color:#e2e8f0;
    }

    .loya-casualty-dark a{
      color:#bfdbfe;
    }

    .loya-casualty-dark .loya-casualty-card{
      background:rgba(255,255,255,.10);
      border-color:rgba(255,255,255,.22);
      box-shadow:none;
    }

    .loya-casualty-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .loya-casualty-faq summary{
      cursor:pointer;
      color:#082044;
      font-weight:850;
      list-style:none;
    }

    .loya-casualty-faq summary::-webkit-details-marker{
      display:none;
    }

    .loya-casualty-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .loya-casualty-cta{
      margin:44px auto 12px;
      max-width:820px;
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#111827 0%,#082044 100%);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.24);
      text-align:center;
    }

    .loya-casualty-cta-title{
      display:block;
      margin:0 0 8px;
      color:#fff!important;
      font-size:29px;
      line-height:1.12;
      font-weight:950;
      letter-spacing:-.02em;
    }

    .loya-casualty-cta-text{
      display:block;
      margin:0 0 15px;
      color:#e2e8f0!important;
      font-size:15px;
      line-height:1.55;
    }

    .loya-casualty-cta-form{
      display:flex;
      justify-content:center;
      align-items:center;
      flex-wrap:wrap;
      gap:10px;
      margin:0;
      padding:0;
    }

    .loya-casualty-cta-input{
      width:180px;
      height:46px;
      border:0;
      border-radius:12px;
      background:#f8fafc;
      color:#0f172a;
      padding:0 13px;
      font-size:15px;
      outline:none;
    }

    .loya-casualty-cta-btn{
      height:46px;
      border:0;
      border-radius:12px;
      background:#ff7a1a;
      color:#fff!important;
      font-size:15px;
      font-weight:850;
      padding:0 20px;
      cursor:pointer;
      -webkit-text-fill-color:#fff;
    }

    .loya-casualty-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .loya-casualty-refs h3{
      margin:0 0 12px;
      color:#082044;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .loya-casualty-refs ol{
      margin:0;
      padding-left:20px;
    }

    .loya-casualty-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .loya-casualty-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .loya-casualty-author-head,
      .loya-casualty-hero,
      .loya-casualty-pill-row,
      .loya-casualty-grid-2,
      .loya-casualty-grid-3{
        grid-template-columns:1fr;
      }

      .loya-casualty-author-date{
        text-align:left;
        white-space:normal;
        padding-top:0;
      }

      .loya-casualty-figure img{
        min-height:280px;
      }
    }

    @media(max-width:640px){
      .loya-casualty-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .loya-casualty-page h2{
        font-size:28px;
      }

      .loya-casualty-hero-copy,
      .loya-casualty-dark{
        padding:22px;
      }
    }

/* fred-loya-insurance-houston-texas */
.loya-houston-page,
    .loya-houston-page *{
      box-sizing:border-box;
    }

    .loya-houston-page{
      max-width:1180px;
      margin:0 auto;
      padding:0 24px 52px;
      color:#0f172a;
      font-size:17px;
      line-height:1.72;
    }

    .loya-houston-page p{
      margin:0 0 18px;
    }

    .loya-houston-page h2{
      margin:0 0 18px;
      color:#082044;
      font-size:34px;
      line-height:1.14;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .loya-houston-page h3{
      margin:0 0 12px;
      color:#082044;
      font-size:23px;
      line-height:1.22;
      font-weight:850;
    }

    .loya-houston-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .loya-houston-author{
      margin:18px 0 30px;
      border-radius:24px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 16px 38px rgba(15,23,42,.07);
    }

    .loya-houston-author-head{
      display:grid;
      grid-template-columns:minmax(0,1fr) auto;
      gap:18px;
      align-items:flex-start;
      padding:18px 20px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .loya-houston-badge{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#082044;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .loya-houston-author-name{
      margin:0 0 4px;
      color:#082044;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .loya-houston-author-role{
      margin:0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .loya-houston-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
      padding-top:4px;
    }

    .loya-houston-author-body{
      padding:16px 20px 18px;
      background:#fff;
    }

    .loya-houston-author details{
      margin:0;
    }

    .loya-houston-author summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:7px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .loya-houston-author summary::-webkit-details-marker{
      display:none;
    }

    .loya-houston-author summary::marker{
      content:"";
    }

    .loya-houston-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .loya-houston-author details[open] .loya-houston-caret{
      transform:rotate(180deg);
    }

    .loya-houston-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:820px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .loya-houston-author-panel p{
      margin:0 0 10px!important;
    }

    .loya-houston-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .loya-houston-hero{
      display:grid;
      grid-template-columns:minmax(0,1.02fr) minmax(320px,.98fr);
      gap:28px;
      align-items:stretch;
      margin:0 0 38px;
    }

    .loya-houston-hero-copy{
      padding:30px;
      border-radius:30px;
      background:linear-gradient(135deg,#082044 0%,#12335f 58%,#0b67ae 100%);
      color:#fff;
      box-shadow:0 18px 44px rgba(8,32,68,.22);
    }

    .loya-houston-eyebrow{
      display:inline-flex;
      align-items:center;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .loya-houston-hero-copy h2{
      color:#fff;
    }

    .loya-houston-hero-copy p{
      color:#eaf2ff;
    }

    .loya-houston-hero-copy a{
      color:#bfdbfe;
    }

    .loya-houston-lede{
      font-size:18px;
      line-height:1.72;
    }

    .loya-houston-figure{
      margin:0;
      border-radius:28px;
      overflow:hidden;
      border:1px solid #e2e8f0;
      background:#fff;
      box-shadow:0 18px 42px rgba(15,23,42,.075);
      height:100%;
    }

    .loya-houston-figure img{
      display:block;
      width:100%;
      height:100%;
      min-height:390px;
      object-fit:cover;
    }

    .loya-houston-figure figcaption{
      margin:0;
      padding:12px 14px;
      color:#475569;
      background:#f8fafc;
      font-size:13px;
      line-height:1.45;
    }

    .loya-houston-pill-row{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:16px;
      margin:0 0 40px;
    }

    .loya-houston-pill{
      padding:18px;
      border-radius:20px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 12px 30px rgba(15,23,42,.055);
    }

    .loya-houston-pill strong{
      display:block;
      margin:0 0 6px;
      color:#082044;
      font-size:18px;
      line-height:1.2;
      font-weight:900;
    }

    .loya-houston-pill span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.55;
    }

    .loya-houston-pill.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .loya-houston-pill.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .loya-houston-pill.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .loya-houston-pill.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .loya-houston-section{
      margin:44px 0;
    }

    .loya-houston-note{
      margin:24px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .loya-houston-note strong{
      color:#9a3412;
      font-weight:900;
    }

    .loya-houston-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:22px;
      margin:24px 0 0;
    }

    .loya-houston-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .loya-houston-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .loya-houston-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .loya-houston-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .loya-houston-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .loya-houston-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .loya-houston-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .loya-houston-card p:last-child{
      margin-bottom:0;
    }

    .loya-houston-list,
    .loya-houston-numbered{
      margin:0 0 20px;
      padding-left:22px;
    }

    .loya-houston-list li,
    .loya-houston-numbered li{
      margin:0 0 12px;
    }

    .loya-houston-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .loya-houston-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .loya-houston-table th,
    .loya-houston-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .loya-houston-table th{
      background:#082044;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .loya-houston-table td{
      background:#fff;
      color:#0f172a;
    }

    .loya-houston-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .loya-houston-table tr:last-child td{
      border-bottom:0;
    }

    .loya-houston-dark{
      margin:44px 0;
      padding:28px;
      border-radius:30px;
      background:linear-gradient(135deg,#082044,#13213f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.22);
    }

    .loya-houston-dark h2,
    .loya-houston-dark h3{
      color:#fff;
    }

    .loya-houston-dark p,
    .loya-houston-dark li{
      color:#e2e8f0;
    }

    .loya-houston-dark a{
      color:#bfdbfe;
    }

    .loya-houston-dark .loya-houston-card{
      background:rgba(255,255,255,.10);
      border-color:rgba(255,255,255,.22);
      box-shadow:none;
    }

    .loya-houston-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .loya-houston-faq summary{
      cursor:pointer;
      color:#082044;
      font-weight:850;
      list-style:none;
    }

    .loya-houston-faq summary::-webkit-details-marker{
      display:none;
    }

    .loya-houston-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .loya-houston-cta{
      margin:44px auto 12px;
      max-width:820px;
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#111827 0%,#082044 100%);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.24);
      text-align:center;
    }

    .loya-houston-cta-title{
      display:block;
      margin:0 0 8px;
      color:#fff!important;
      font-size:29px;
      line-height:1.12;
      font-weight:950;
      letter-spacing:-.02em;
    }

    .loya-houston-cta-text{
      display:block;
      margin:0 0 15px;
      color:#e2e8f0!important;
      font-size:15px;
      line-height:1.55;
    }

    .loya-houston-cta-form{
      display:flex;
      justify-content:center;
      align-items:center;
      flex-wrap:wrap;
      gap:10px;
      margin:0;
      padding:0;
    }

    .loya-houston-cta-input{
      width:180px;
      height:46px;
      border:0;
      border-radius:12px;
      background:#f8fafc;
      color:#0f172a;
      padding:0 13px;
      font-size:15px;
      outline:none;
    }

    .loya-houston-cta-btn{
      height:46px;
      border:0;
      border-radius:12px;
      background:#ff7a1a;
      color:#fff!important;
      font-size:15px;
      font-weight:850;
      padding:0 20px;
      cursor:pointer;
      -webkit-text-fill-color:#fff;
    }

    .loya-houston-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .loya-houston-refs h3{
      margin:0 0 12px;
      color:#082044;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .loya-houston-refs ol{
      margin:0;
      padding-left:20px;
    }

    .loya-houston-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .loya-houston-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .loya-houston-author-head,
      .loya-houston-hero,
      .loya-houston-pill-row,
      .loya-houston-grid-2,
      .loya-houston-grid-3{
        grid-template-columns:1fr;
      }

      .loya-houston-author-date{
        text-align:left;
        white-space:normal;
        padding-top:0;
      }

      .loya-houston-figure img{
        min-height:280px;
      }
    }

    @media(max-width:640px){
      .loya-houston-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .loya-houston-page h2{
        font-size:28px;
      }

      .loya-houston-hero-copy,
      .loya-houston-dark{
        padding:22px;
      }
    }

/* fred-loya-insurance-services */
.loya-services-page,
    .loya-services-page *{
      box-sizing:border-box;
    }

    .loya-services-page{
      max-width:1180px;
      margin:0 auto;
      padding:0 24px 52px;
      color:#0f172a;
      font-size:17px;
      line-height:1.72;
    }

    .loya-services-page p{
      margin:0 0 18px;
    }

    .loya-services-page h2{
      margin:0 0 18px;
      color:#082044;
      font-size:34px;
      line-height:1.14;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .loya-services-page h3{
      margin:0 0 12px;
      color:#082044;
      font-size:23px;
      line-height:1.22;
      font-weight:850;
    }

    .loya-services-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .loya-services-author{
      margin:18px 0 30px;
      border-radius:24px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 16px 38px rgba(15,23,42,.07);
    }

    .loya-services-author-head{
      display:grid;
      grid-template-columns:minmax(0,1fr) auto;
      gap:18px;
      align-items:flex-start;
      padding:18px 20px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .loya-services-badge{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#082044;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .loya-services-author-name{
      margin:0 0 4px;
      color:#082044;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .loya-services-author-role{
      margin:0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .loya-services-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
      padding-top:4px;
    }

    .loya-services-author-body{
      padding:16px 20px 18px;
      background:#fff;
    }

    .loya-services-author details{
      margin:0;
    }

    .loya-services-author summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:7px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .loya-services-author summary::-webkit-details-marker{
      display:none;
    }

    .loya-services-author summary::marker{
      content:"";
    }

    .loya-services-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .loya-services-author details[open] .loya-services-caret{
      transform:rotate(180deg);
    }

    .loya-services-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:820px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .loya-services-author-panel p{
      margin:0 0 10px!important;
    }

    .loya-services-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .loya-services-hero{
      display:grid;
      grid-template-columns:minmax(0,1.03fr) minmax(320px,.97fr);
      gap:28px;
      align-items:stretch;
      margin:0 0 38px;
    }

    .loya-services-hero-copy{
      padding:30px;
      border-radius:30px;
      background:linear-gradient(135deg,#082044 0%,#12335f 56%,#0b67ae 100%);
      color:#fff;
      box-shadow:0 18px 44px rgba(8,32,68,.22);
    }

    .loya-services-eyebrow{
      display:inline-flex;
      align-items:center;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .loya-services-hero-copy h2{
      color:#fff;
    }

    .loya-services-hero-copy p{
      color:#eaf2ff;
    }

    .loya-services-hero-copy a{
      color:#bfdbfe;
    }

    .loya-services-lede{
      font-size:18px;
      line-height:1.72;
    }

    .loya-services-figure{
      margin:0;
      border-radius:28px;
      overflow:hidden;
      border:1px solid #e2e8f0;
      background:#fff;
      box-shadow:0 18px 42px rgba(15,23,42,.075);
      height:100%;
    }

    .loya-services-figure img{
      display:block;
      width:100%;
      height:100%;
      min-height:390px;
      object-fit:cover;
    }

    .loya-services-figure figcaption{
      margin:0;
      padding:12px 14px;
      color:#475569;
      background:#f8fafc;
      font-size:13px;
      line-height:1.45;
    }

    .loya-services-pill-row{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:16px;
      margin:0 0 40px;
    }

    .loya-services-pill{
      padding:18px;
      border-radius:20px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 12px 30px rgba(15,23,42,.055);
    }

    .loya-services-pill strong{
      display:block;
      margin:0 0 6px;
      color:#082044;
      font-size:18px;
      line-height:1.2;
      font-weight:900;
    }

    .loya-services-pill span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.55;
    }

    .loya-services-pill.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .loya-services-pill.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .loya-services-pill.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .loya-services-pill.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .loya-services-section{
      margin:44px 0;
    }

    .loya-services-note{
      margin:24px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .loya-services-note strong{
      color:#9a3412;
      font-weight:900;
    }

    .loya-services-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:22px;
      margin:24px 0 0;
    }

    .loya-services-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .loya-services-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .loya-services-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .loya-services-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .loya-services-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .loya-services-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .loya-services-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .loya-services-card p:last-child{
      margin-bottom:0;
    }

    .loya-services-list,
    .loya-services-numbered{
      margin:0 0 20px;
      padding-left:22px;
    }

    .loya-services-list li,
    .loya-services-numbered li{
      margin:0 0 12px;
    }

    .loya-services-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .loya-services-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .loya-services-table th,
    .loya-services-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .loya-services-table th{
      background:#082044;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .loya-services-table td{
      background:#fff;
      color:#0f172a;
    }

    .loya-services-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .loya-services-table tr:last-child td{
      border-bottom:0;
    }

    .loya-services-dark{
      margin:44px 0;
      padding:28px;
      border-radius:30px;
      background:linear-gradient(135deg,#082044,#13213f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.22);
    }

    .loya-services-dark h2,
    .loya-services-dark h3{
      color:#fff;
    }

    .loya-services-dark p,
    .loya-services-dark li{
      color:#e2e8f0;
    }

    .loya-services-dark a{
      color:#bfdbfe;
    }

    .loya-services-dark .loya-services-card{
      background:rgba(255,255,255,.10);
      border-color:rgba(255,255,255,.22);
      box-shadow:none;
    }

    .loya-services-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .loya-services-faq summary{
      cursor:pointer;
      color:#082044;
      font-weight:850;
      list-style:none;
    }

    .loya-services-faq summary::-webkit-details-marker{
      display:none;
    }

    .loya-services-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .loya-services-cta{
      margin:44px auto 12px;
      max-width:820px;
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#111827 0%,#082044 100%);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.24);
      text-align:center;
    }

    .loya-services-cta-title{
      display:block;
      margin:0 0 8px;
      color:#fff!important;
      font-size:29px;
      line-height:1.12;
      font-weight:950;
      letter-spacing:-.02em;
    }

    .loya-services-cta-text{
      display:block;
      margin:0 0 15px;
      color:#e2e8f0!important;
      font-size:15px;
      line-height:1.55;
    }

    .loya-services-cta-form{
      display:flex;
      justify-content:center;
      align-items:center;
      flex-wrap:wrap;
      gap:10px;
      margin:0;
      padding:0;
    }

    .loya-services-cta-input{
      width:180px;
      height:46px;
      border:0;
      border-radius:12px;
      background:#f8fafc;
      color:#0f172a;
      padding:0 13px;
      font-size:15px;
      outline:none;
    }

    .loya-services-cta-btn{
      height:46px;
      border:0;
      border-radius:12px;
      background:#ff7a1a;
      color:#fff!important;
      font-size:15px;
      font-weight:850;
      padding:0 20px;
      cursor:pointer;
      -webkit-text-fill-color:#fff;
    }

    .loya-services-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .loya-services-refs h3{
      margin:0 0 12px;
      color:#082044;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .loya-services-refs ol{
      margin:0;
      padding-left:20px;
    }

    .loya-services-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .loya-services-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .loya-services-author-head,
      .loya-services-hero,
      .loya-services-pill-row,
      .loya-services-grid-2,
      .loya-services-grid-3{
        grid-template-columns:1fr;
      }

      .loya-services-author-date{
        text-align:left;
        white-space:normal;
        padding-top:0;
      }

      .loya-services-figure img{
        min-height:280px;
      }
    }

    @media(max-width:640px){
      .loya-services-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .loya-services-page h2{
        font-size:28px;
      }

      .loya-services-hero-copy,
      .loya-services-dark{
        padding:22px;
      }
    }
    
    /* ============================================================
    https://loyainsurance.org/fred-loya-insurance-laredo-tx/
    ========================================================= */
      .loya-laredo-page,
    .loya-laredo-page *{
      box-sizing:border-box;
    }

.loya-laredo-page{
  max-width:1180px;
  margin:0 auto;
  padding:0 24px 52px;
  color:#0f172a;
  font-size:17px;
  line-height:1.72;
}

.loya-laredo-page p{
  margin:0 0 18px;
}

.loya-laredo-page h2{
  margin:0 0 18px;
  color:#082044;
  font-size:34px;
  line-height:1.14;
  font-weight:900;
  letter-spacing:-.025em;
}

.loya-laredo-page h3{
  margin:0 0 12px;
  color:#082044;
  font-size:23px;
  line-height:1.22;
  font-weight:850;
}

.loya-laredo-page a{
  color:#0b67ae;
  text-decoration:underline;
  text-underline-offset:2px;
}

.loya-laredo-author{
  margin:18px 0 30px;
  border-radius:24px;
  overflow:hidden;
  background:#fff;
  border:1px solid #e2e8f0;
  box-shadow:0 16px 38px rgba(15,23,42,.07);
}

.loya-laredo-author-head{
  display:grid;
  grid-template-columns:minmax(0,1fr) auto;
  gap:18px;
  align-items:flex-start;
  padding:18px 20px;
  background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 100%);
  border-bottom:1px solid #e2e8f0;
}

.loya-laredo-badge{
  display:inline-flex;
  margin:0 0 8px;
  padding:6px 11px;
  border-radius:999px;
  background:#082044;
  color:#fff;
  font-size:12px;
  line-height:1;
  font-weight:900;
  letter-spacing:.04em;
  text-transform:uppercase;
}

.loya-laredo-author-name{
  margin:0 0 4px;
  color:#082044;
  font-size:18px;
  line-height:1.25;
  font-weight:900;
}

.loya-laredo-author-role{
  margin:0!important;
  color:#64748b;
  font-size:13px;
  line-height:1.45;
  font-weight:650;
}

.loya-laredo-author-date{
  color:#64748b;
  font-size:13px;
  line-height:1.45;
  font-style:italic;
  text-align:right;
  white-space:nowrap;
  padding-top:4px;
}

.loya-laredo-author-body{
  padding:16px 20px 18px;
  background:#fff;
}

.loya-laredo-author details{
  margin:0;
}

.loya-laredo-author summary{
  cursor:pointer;
  display:inline-flex;
  align-items:center;
  gap:7px;
  color:#0b67ae;
  font-size:13px;
  line-height:1.3;
  font-weight:850;
  list-style:none;
  user-select:none;
}

.loya-laredo-author summary::-webkit-details-marker{
  display:none;
}

.loya-laredo-author summary::marker{
  content:"";
}

.loya-laredo-caret{
  display:inline-block;
  transition:transform .2s ease;
  font-size:12px;
  line-height:1;
}

.loya-laredo-author details[open] .loya-laredo-caret{
  transform:rotate(180deg);
}

.loya-laredo-author-panel{
  margin-top:12px;
  padding:14px 16px;
  max-width:820px;
  border-radius:16px;
  border:1px solid #e2e8f0;
  background:linear-gradient(135deg,#f8fafc,#ffffff);
  color:#475569;
  font-size:14px;
  line-height:1.65;
}

.loya-laredo-author-panel p{
  margin:0 0 10px!important;
}

.loya-laredo-author-panel p:last-child{
  margin-bottom:0!important;
}

.loya-laredo-hero{
  display:grid;
  grid-template-columns:minmax(0,1.04fr) minmax(320px,.96fr);
  gap:28px;
  align-items:stretch;
  margin:0 0 38px;
}

.loya-laredo-hero-copy{
  padding:30px;
  border-radius:30px;
  background:linear-gradient(135deg,#082044 0%,#12335f 56%,#0b67ae 100%);
  color:#fff;
  box-shadow:0 18px 44px rgba(8,32,68,.22);
}

.loya-laredo-eyebrow{
  display:inline-flex;
  align-items:center;
  margin:0 0 18px;
  padding:8px 14px;
  border-radius:999px;
  background:rgba(255,255,255,.14);
  color:#fff;
  font-size:13px;
  line-height:1;
  font-weight:900;
  letter-spacing:.04em;
  text-transform:uppercase;
}

.loya-laredo-hero-copy h2{
  color:#fff;
}

.loya-laredo-hero-copy p{
  color:#eaf2ff;
}

.loya-laredo-hero-copy a{
  color:#bfdbfe;
}

.loya-laredo-lede{
  font-size:18px;
  line-height:1.72;
}

.loya-laredo-figure{
  margin:0;
  border-radius:28px;
  overflow:hidden;
  border:1px solid #e2e8f0;
  background:#fff;
  box-shadow:0 18px 42px rgba(15,23,42,.075);
  height:100%;
}

.loya-laredo-figure img{
  display:block;
  width:100%;
  height:100%;
  min-height:390px;
  object-fit:cover;
}

.loya-laredo-figure figcaption{
  margin:0;
  padding:12px 14px;
  color:#475569;
  background:#f8fafc;
  font-size:13px;
  line-height:1.45;
}

.loya-laredo-pill-row{
  display:grid;
  grid-template-columns:repeat(4,minmax(0,1fr));
  gap:16px;
  margin:0 0 40px;
}

.loya-laredo-pill{
  padding:18px;
  border-radius:20px;
  border:1px solid #e5e7eb;
  background:#fff;
  box-shadow:0 12px 30px rgba(15,23,42,.055);
}

.loya-laredo-pill strong{
  display:block;
  margin:0 0 6px;
  color:#082044;
  font-size:18px;
  line-height:1.2;
  font-weight:900;
}

.loya-laredo-pill span{
  display:block;
  color:#475569;
  font-size:14px;
  line-height:1.55;
}

.loya-laredo-pill.blue{
  background:linear-gradient(135deg,#eff6ff,#fff);
  border-color:#bfdbfe;
}

.loya-laredo-pill.green{
  background:linear-gradient(135deg,#ecfdf5,#fff);
  border-color:#bbf7d0;
}

.loya-laredo-pill.orange{
  background:linear-gradient(135deg,#fff7ed,#fff);
  border-color:#fed7aa;
}

.loya-laredo-pill.purple{
  background:linear-gradient(135deg,#f5f3ff,#fff);
  border-color:#ddd6fe;
}

.loya-laredo-section{
  margin:44px 0;
}

.loya-laredo-note{
  margin:24px 0;
  padding:18px 20px;
  border-radius:20px;
  background:#fff7ed;
  border:1px solid #fed7aa;
  color:#7c2d12;
  box-shadow:0 12px 30px rgba(124,45,18,.055);
}

.loya-laredo-note strong{
  color:#9a3412;
  font-weight:900;
}

.loya-laredo-grid-2{
  display:grid;
  grid-template-columns:repeat(2,minmax(0,1fr));
  gap:22px;
  margin:24px 0 0;
}

.loya-laredo-grid-3{
  display:grid;
  grid-template-columns:repeat(3,minmax(0,1fr));
  gap:18px;
  margin:24px 0 0;
}

.loya-laredo-card{
  height:100%;
  padding:22px;
  border-radius:22px;
  border:1px solid #e5e7eb;
  background:#fff;
  box-shadow:0 14px 34px rgba(15,23,42,.055);
}

.loya-laredo-card.blue{
  background:linear-gradient(135deg,#eff6ff,#fff);
  border-color:#bfdbfe;
}

.loya-laredo-card.green{
  background:linear-gradient(135deg,#ecfdf5,#fff);
  border-color:#bbf7d0;
}

.loya-laredo-card.orange{
  background:linear-gradient(135deg,#fff7ed,#fff);
  border-color:#fed7aa;
}

.loya-laredo-card.purple{
  background:linear-gradient(135deg,#f5f3ff,#fff);
  border-color:#ddd6fe;
}

.loya-laredo-card.red{
  background:linear-gradient(135deg,#fef2f2,#fff);
  border-color:#fecaca;
}

.loya-laredo-card p:last-child{
  margin-bottom:0;
}

.loya-laredo-list,
.loya-laredo-numbered{
  margin:0 0 20px;
  padding-left:22px;
}

.loya-laredo-list li,
.loya-laredo-numbered li{
  margin:0 0 12px;
}

.loya-laredo-table-wrap{
  margin:24px 0 30px;
  overflow-x:auto;
  border-radius:22px;
  border:1px solid #e5e7eb;
  background:#fff;
  box-shadow:0 16px 36px rgba(15,23,42,.05);
}

.loya-laredo-table{
  width:100%;
  border-collapse:collapse;
  min-width:780px;
  background:#fff;
}

.loya-laredo-table th,
.loya-laredo-table td{
  padding:16px 18px;
  text-align:left;
  vertical-align:top;
  border-bottom:1px solid #e5e7eb;
  font-size:15px;
  line-height:1.55;
}

.loya-laredo-table th{
  background:#082044;
  color:#fff;
  font-size:14px;
  text-transform:uppercase;
  letter-spacing:.04em;
  font-weight:850;
}

.loya-laredo-table td{
  background:#fff;
  color:#0f172a;
}

.loya-laredo-table tbody tr:nth-child(even) td{
  background:#f8fafc;
}

.loya-laredo-table tr:last-child td{
  border-bottom:0;
}

.loya-laredo-dark{
  margin:44px 0;
  padding:28px;
  border-radius:30px;
  background:linear-gradient(135deg,#082044,#13213f);
  color:#fff;
  box-shadow:0 18px 42px rgba(8,32,68,.22);
}

.loya-laredo-dark h2,
.loya-laredo-dark h3{
  color:#fff;
}

.loya-laredo-dark p,
.loya-laredo-dark li{
  color:#e2e8f0;
}

.loya-laredo-dark a{
  color:#bfdbfe;
}

.loya-laredo-dark .loya-laredo-card{
  background:rgba(255,255,255,.10);
  border-color:rgba(255,255,255,.22);
  box-shadow:none;
}

.loya-laredo-faq details{
  margin:0 0 12px;
  padding:17px 19px;
  border-radius:16px;
  background:#fff;
  border:1px solid #e5e7eb;
  box-shadow:0 10px 26px rgba(15,23,42,.04);
}

.loya-laredo-faq summary{
  cursor:pointer;
  color:#082044;
  font-weight:850;
  list-style:none;
}

.loya-laredo-faq summary::-webkit-details-marker{
  display:none;
}

.loya-laredo-faq p{
  margin:12px 0 0!important;
  color:#475569;
  font-size:15px;
  line-height:1.6;
}

.loya-laredo-cta{
  margin:44px auto 12px;
  max-width:820px;
  padding:24px;
  border-radius:24px;
  background:linear-gradient(135deg,#111827 0%,#082044 100%);
  color:#fff;
  box-shadow:0 18px 42px rgba(8,32,68,.24);
  text-align:center;
}

.loya-laredo-cta-title{
  display:block;
  margin:0 0 8px;
  color:#fff!important;
  font-size:29px;
  line-height:1.12;
  font-weight:950;
  letter-spacing:-.02em;
}

.loya-laredo-cta-text{
  display:block;
  margin:0 0 15px;
  color:#e2e8f0!important;
  font-size:15px;
  line-height:1.55;
}

.loya-laredo-cta-form{
  display:flex;
  justify-content:center;
  align-items:center;
  flex-wrap:wrap;
  gap:10px;
  margin:0;
  padding:0;
}

.loya-laredo-cta-input{
  width:180px;
  height:46px;
  border:0;
  border-radius:12px;
  background:#f8fafc;
  color:#0f172a;
  padding:0 13px;
  font-size:15px;
  outline:none;
}

.loya-laredo-cta-btn{
  height:46px;
  border:0;
  border-radius:12px;
  background:#ff7a1a;
  color:#fff!important;
  font-size:15px;
  font-weight:850;
  padding:0 20px;
  cursor:pointer;
  -webkit-text-fill-color:#fff;
}

.loya-laredo-refs{
  margin-top:36px;
  padding-top:24px;
  border-top:1px solid #e5e7eb;
}

.loya-laredo-refs h3{
  margin:0 0 12px;
  color:#082044;
  font-size:22px;
  line-height:1.2;
  font-weight:900;
}

.loya-laredo-refs ol{
  margin:0;
  padding-left:20px;
}

.loya-laredo-refs li{
  margin:0 0 10px;
  color:#334155;
  font-size:15px;
  line-height:1.6;
}

.loya-laredo-ref-back{
  margin-left:6px;
  white-space:nowrap;
  text-decoration:none!important;
  font-weight:850;
}

@media(max-width:980px){
  .loya-laredo-author-head,
  .loya-laredo-hero,
  .loya-laredo-pill-row,
  .loya-laredo-grid-2,
  .loya-laredo-grid-3{
    grid-template-columns:1fr;
  }

  .loya-laredo-author-date{
    text-align:left;
    white-space:normal;
    padding-top:0;
  }

  .loya-laredo-figure img{
    min-height:280px;
  }
}

@media(max-width:640px){
  .loya-laredo-page{
    padding:0 18px 44px;
    font-size:16px;
  }

  .loya-laredo-page h2{
    font-size:28px;
  }

  .loya-laredo-hero-copy,
  .loya-laredo-dark{
    padding:22px;
  }
}

/* ====================================================================
https://loyainsurance.org/affordable-sr22-insurance-texas/
============================================================= */
.loya-sr22-tx-page,
    .loya-sr22-tx-page *{
      box-sizing:border-box;
    }

    .loya-sr22-tx-page{
      max-width:1180px;
      margin:0 auto;
      padding:0 24px 52px;
      color:#0f172a;
      font-size:17px;
      line-height:1.72;
    }

    .loya-sr22-tx-page p{
      margin:0 0 18px;
    }

    .loya-sr22-tx-page h2{
      margin:0 0 18px;
      color:#082044;
      font-size:34px;
      line-height:1.14;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .loya-sr22-tx-page h3{
      margin:0 0 12px;
      color:#082044;
      font-size:23px;
      line-height:1.22;
      font-weight:850;
    }

    .loya-sr22-tx-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .loya-sr22-author{
      margin:18px 0 30px;
      border-radius:24px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 16px 38px rgba(15,23,42,.07);
    }

    .loya-sr22-author-head{
      display:grid;
      grid-template-columns:minmax(0,1fr) auto;
      gap:18px;
      align-items:flex-start;
      padding:18px 20px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .loya-sr22-badge{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#082044;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .loya-sr22-author-name{
      margin:0 0 4px;
      color:#082044;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .loya-sr22-author-role{
      margin:0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .loya-sr22-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
      padding-top:4px;
    }

    .loya-sr22-author-body{
      padding:16px 20px 18px;
      background:#fff;
    }

    .loya-sr22-author details{
      margin:0;
    }

    .loya-sr22-author summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:7px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .loya-sr22-author summary::-webkit-details-marker{
      display:none;
    }

    .loya-sr22-author summary::marker{
      content:"";
    }

    .loya-sr22-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .loya-sr22-author details[open] .loya-sr22-caret{
      transform:rotate(180deg);
    }

    .loya-sr22-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:820px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .loya-sr22-author-panel p{
      margin:0 0 10px!important;
    }

    .loya-sr22-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .loya-sr22-hero{
      display:grid;
      grid-template-columns:minmax(0,1.04fr) minmax(320px,.96fr);
      gap:28px;
      align-items:stretch;
      margin:0 0 38px;
    }

    .loya-sr22-hero-copy{
      padding:30px;
      border-radius:30px;
      background:linear-gradient(135deg,#082044 0%,#12335f 56%,#0b67ae 100%);
      color:#fff;
      box-shadow:0 18px 44px rgba(8,32,68,.22);
    }

    .loya-sr22-eyebrow{
      display:inline-flex;
      align-items:center;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .loya-sr22-hero-copy h2{
      color:#fff;
    }

    .loya-sr22-hero-copy p{
      color:#eaf2ff;
    }

    .loya-sr22-hero-copy a{
      color:#bfdbfe;
    }

    .loya-sr22-lede{
      font-size:18px;
      line-height:1.72;
    }

    .loya-sr22-figure{
      margin:0;
      border-radius:28px;
      overflow:hidden;
      border:1px solid #e2e8f0;
      background:#fff;
      box-shadow:0 18px 42px rgba(15,23,42,.075);
      height:100%;
    }

    .loya-sr22-figure img{
      display:block;
      width:100%;
      height:100%;
      min-height:390px;
      object-fit:cover;
    }

    .loya-sr22-figure figcaption{
      margin:0;
      padding:12px 14px;
      color:#475569;
      background:#f8fafc;
      font-size:13px;
      line-height:1.45;
    }

    .loya-sr22-pill-row{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:16px;
      margin:0 0 40px;
    }

    .loya-sr22-pill{
      padding:18px;
      border-radius:20px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 12px 30px rgba(15,23,42,.055);
    }

    .loya-sr22-pill strong{
      display:block;
      margin:0 0 6px;
      color:#082044;
      font-size:18px;
      line-height:1.2;
      font-weight:900;
    }

    .loya-sr22-pill span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.55;
    }

    .loya-sr22-pill.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .loya-sr22-pill.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .loya-sr22-pill.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .loya-sr22-pill.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .loya-sr22-section{
      margin:44px 0;
    }

    .loya-sr22-note{
      margin:24px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .loya-sr22-note strong{
      color:#9a3412;
      font-weight:900;
    }

    .loya-sr22-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:22px;
      margin:24px 0 0;
    }

    .loya-sr22-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .loya-sr22-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .loya-sr22-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .loya-sr22-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .loya-sr22-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .loya-sr22-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .loya-sr22-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .loya-sr22-card p:last-child{
      margin-bottom:0;
    }

    .loya-sr22-list,
    .loya-sr22-numbered{
      margin:0 0 20px;
      padding-left:22px;
    }

    .loya-sr22-list li,
    .loya-sr22-numbered li{
      margin:0 0 12px;
    }

    .loya-sr22-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .loya-sr22-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .loya-sr22-table th,
    .loya-sr22-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .loya-sr22-table th{
      background:#082044;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .loya-sr22-table td{
      background:#fff;
      color:#0f172a;
    }

    .loya-sr22-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .loya-sr22-table tr:last-child td{
      border-bottom:0;
    }

    .loya-sr22-dark{
      margin:44px 0;
      padding:28px;
      border-radius:30px;
      background:linear-gradient(135deg,#082044,#13213f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.22);
    }

    .loya-sr22-dark h2,
    .loya-sr22-dark h3{
      color:#fff;
    }

    .loya-sr22-dark p,
    .loya-sr22-dark li{
      color:#e2e8f0;
    }

    .loya-sr22-dark a{
      color:#bfdbfe;
    }

    .loya-sr22-dark .loya-sr22-card{
      background:rgba(255,255,255,.10);
      border-color:rgba(255,255,255,.22);
      box-shadow:none;
    }

    .loya-sr22-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .loya-sr22-faq summary{
      cursor:pointer;
      color:#082044;
      font-weight:850;
      list-style:none;
    }

    .loya-sr22-faq summary::-webkit-details-marker{
      display:none;
    }

    .loya-sr22-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .loya-sr22-cta{
      margin:44px auto 12px;
      max-width:820px;
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#111827 0%,#082044 100%);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.24);
      text-align:center;
    }

    .loya-sr22-cta-title{
      display:block;
      margin:0 0 8px;
      color:#fff!important;
      font-size:29px;
      line-height:1.12;
      font-weight:950;
      letter-spacing:-.02em;
    }

    .loya-sr22-cta-text{
      display:block;
      margin:0 0 15px;
      color:#e2e8f0!important;
      font-size:15px;
      line-height:1.55;
    }

    .loya-sr22-cta-form{
      display:flex;
      justify-content:center;
      align-items:center;
      flex-wrap:wrap;
      gap:10px;
      margin:0;
      padding:0;
    }

    .loya-sr22-cta-input{
      width:180px;
      height:46px;
      border:0;
      border-radius:12px;
      background:#f8fafc;
      color:#0f172a;
      padding:0 13px;
      font-size:15px;
      outline:none;
    }

    .loya-sr22-cta-btn{
      height:46px;
      border:0;
      border-radius:12px;
      background:#ff7a1a;
      color:#fff!important;
      font-size:15px;
      font-weight:850;
      padding:0 20px;
      cursor:pointer;
      -webkit-text-fill-color:#fff;
    }

    .loya-sr22-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .loya-sr22-refs h3{
      margin:0 0 12px;
      color:#082044;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .loya-sr22-refs ol{
      margin:0;
      padding-left:20px;
    }

    .loya-sr22-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .loya-sr22-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .loya-sr22-author-head,
      .loya-sr22-hero,
      .loya-sr22-pill-row,
      .loya-sr22-grid-2,
      .loya-sr22-grid-3{
        grid-template-columns:1fr;
      }

      .loya-sr22-author-date{
        text-align:left;
        white-space:normal;
        padding-top:0;
      }

      .loya-sr22-figure img{
        min-height:280px;
      }
    }

    @media(max-width:640px){
      .loya-sr22-tx-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .loya-sr22-tx-page h2{
        font-size:28px;
      }

      .loya-sr22-hero-copy,
      .loya-sr22-dark{
        padding:22px;
      }
    }
    
    /* ==============================================================
    https://loyainsurance.org/auto-insurance-san-antonio/
    ========================================================= */
    .loya-sa-page,
    .loya-sa-page *{
      box-sizing:border-box;
    }

    .loya-sa-page{
      max-width:1180px;
      margin:0 auto;
      padding:0 24px 52px;
      color:#0f172a;
      font-size:17px;
      line-height:1.72;
    }

    .loya-sa-page p{
      margin:0 0 18px;
    }

    .loya-sa-page h2{
      margin:0 0 18px;
      color:#082044;
      font-size:34px;
      line-height:1.14;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .loya-sa-page h3{
      margin:0 0 12px;
      color:#082044;
      font-size:23px;
      line-height:1.22;
      font-weight:850;
    }

    .loya-sa-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .loya-sa-author{
      margin:18px 0 30px;
      border-radius:24px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 16px 38px rgba(15,23,42,.07);
    }

    .loya-sa-author-head{
      display:grid;
      grid-template-columns:minmax(0,1fr) auto;
      gap:18px;
      align-items:flex-start;
      padding:18px 20px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .loya-sa-badge{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#082044;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .loya-sa-author-name{
      margin:0 0 4px;
      color:#082044;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .loya-sa-author-role{
      margin:0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .loya-sa-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
      padding-top:4px;
    }

    .loya-sa-author-body{
      padding:16px 20px 18px;
      background:#fff;
    }

    .loya-sa-author details{
      margin:0;
    }

    .loya-sa-author summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:7px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .loya-sa-author summary::-webkit-details-marker{
      display:none;
    }

    .loya-sa-author summary::marker{
      content:"";
    }

    .loya-sa-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .loya-sa-author details[open] .loya-sa-caret{
      transform:rotate(180deg);
    }

    .loya-sa-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:820px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .loya-sa-author-panel p{
      margin:0 0 10px!important;
    }

    .loya-sa-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .loya-sa-hero{
      display:grid;
      grid-template-columns:minmax(0,1.04fr) minmax(320px,.96fr);
      gap:28px;
      align-items:stretch;
      margin:0 0 38px;
    }

    .loya-sa-hero-copy{
      padding:30px;
      border-radius:30px;
      background:linear-gradient(135deg,#082044 0%,#12335f 56%,#0b67ae 100%);
      color:#fff;
      box-shadow:0 18px 44px rgba(8,32,68,.22);
    }

    .loya-sa-eyebrow{
      display:inline-flex;
      align-items:center;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .loya-sa-hero-copy h2{
      color:#fff;
    }

    .loya-sa-hero-copy p{
      color:#eaf2ff;
    }

    .loya-sa-hero-copy a{
      color:#bfdbfe;
    }

    .loya-sa-lede{
      font-size:18px;
      line-height:1.72;
    }

    .loya-sa-figure{
      margin:0;
      border-radius:28px;
      overflow:hidden;
      border:1px solid #e2e8f0;
      background:#fff;
      box-shadow:0 18px 42px rgba(15,23,42,.075);
      height:100%;
    }

    .loya-sa-figure img{
      display:block;
      width:100%;
      height:100%;
      min-height:390px;
      object-fit:cover;
    }

    .loya-sa-figure figcaption{
      margin:0;
      padding:12px 14px;
      color:#475569;
      background:#f8fafc;
      font-size:13px;
      line-height:1.45;
    }

    .loya-sa-pill-row{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:16px;
      margin:0 0 40px;
    }

    .loya-sa-pill{
      padding:18px;
      border-radius:20px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 12px 30px rgba(15,23,42,.055);
    }

    .loya-sa-pill strong{
      display:block;
      margin:0 0 6px;
      color:#082044;
      font-size:18px;
      line-height:1.2;
      font-weight:900;
    }

    .loya-sa-pill span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.55;
    }

    .loya-sa-pill.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .loya-sa-pill.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .loya-sa-pill.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .loya-sa-pill.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .loya-sa-section{
      margin:44px 0;
    }

    .loya-sa-note{
      margin:24px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .loya-sa-note strong{
      color:#9a3412;
      font-weight:900;
    }

    .loya-sa-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:22px;
      margin:24px 0 0;
    }

    .loya-sa-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .loya-sa-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .loya-sa-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .loya-sa-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .loya-sa-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .loya-sa-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .loya-sa-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .loya-sa-card p:last-child{
      margin-bottom:0;
    }

    .loya-sa-list,
    .loya-sa-numbered{
      margin:0 0 20px;
      padding-left:22px;
    }

    .loya-sa-list li,
    .loya-sa-numbered li{
      margin:0 0 12px;
    }

    .loya-sa-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .loya-sa-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .loya-sa-table th,
    .loya-sa-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .loya-sa-table th{
      background:#082044;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .loya-sa-table td{
      background:#fff;
      color:#0f172a;
    }

    .loya-sa-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .loya-sa-table tr:last-child td{
      border-bottom:0;
    }

    .loya-sa-dark{
      margin:44px 0;
      padding:28px;
      border-radius:30px;
      background:linear-gradient(135deg,#082044,#13213f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.22);
    }

    .loya-sa-dark h2,
    .loya-sa-dark h3{
      color:#fff;
    }

    .loya-sa-dark p,
    .loya-sa-dark li{
      color:#e2e8f0;
    }

    .loya-sa-dark a{
      color:#bfdbfe;
    }

    .loya-sa-dark .loya-sa-card{
      background:rgba(255,255,255,.10);
      border-color:rgba(255,255,255,.22);
      box-shadow:none;
    }

    .loya-sa-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .loya-sa-faq summary{
      cursor:pointer;
      color:#082044;
      font-weight:850;
      list-style:none;
    }

    .loya-sa-faq summary::-webkit-details-marker{
      display:none;
    }

    .loya-sa-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .loya-sa-cta{
      margin:44px auto 12px;
      max-width:820px;
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#111827 0%,#082044 100%);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.24);
      text-align:center;
    }

    .loya-sa-cta-title{
      display:block;
      margin:0 0 8px;
      color:#fff!important;
      font-size:29px;
      line-height:1.12;
      font-weight:950;
      letter-spacing:-.02em;
    }

    .loya-sa-cta-text{
      display:block;
      margin:0 0 15px;
      color:#e2e8f0!important;
      font-size:15px;
      line-height:1.55;
    }

    .loya-sa-cta-form{
      display:flex;
      justify-content:center;
      align-items:center;
      flex-wrap:wrap;
      gap:10px;
      margin:0;
      padding:0;
    }

    .loya-sa-cta-input{
      width:180px;
      height:46px;
      border:0;
      border-radius:12px;
      background:#f8fafc;
      color:#0f172a;
      padding:0 13px;
      font-size:15px;
      outline:none;
    }

    .loya-sa-cta-btn{
      height:46px;
      border:0;
      border-radius:12px;
      background:#ff7a1a;
      color:#fff!important;
      font-size:15px;
      font-weight:850;
      padding:0 20px;
      cursor:pointer;
      -webkit-text-fill-color:#fff;
    }

    .loya-sa-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .loya-sa-refs h3{
      margin:0 0 12px;
      color:#082044;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .loya-sa-refs ol{
      margin:0;
      padding-left:20px;
    }

    .loya-sa-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .loya-sa-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .loya-sa-author-head,
      .loya-sa-hero,
      .loya-sa-pill-row,
      .loya-sa-grid-2,
      .loya-sa-grid-3{
        grid-template-columns:1fr;
      }

      .loya-sa-author-date{
        text-align:left;
        white-space:normal;
        padding-top:0;
      }

      .loya-sa-figure img{
        min-height:280px;
      }
    }

    @media(max-width:640px){
      .loya-sa-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .loya-sa-page h2{
        font-size:28px;
      }

      .loya-sa-hero-copy,
      .loya-sa-dark{
        padding:22px;
      }
    }
    
    /* ===============================================================
    https://loyainsurance.org/afford-loya-auto-insurance-rates/
    ============================================================ */
    .loya-afford-page,
    .loya-afford-page *{
      box-sizing:border-box;
    }

    .loya-afford-page{
      max-width:1180px;
      margin:0 auto;
      padding:0 24px 52px;
      color:#0f172a;
      font-size:17px;
      line-height:1.72;
    }

    .loya-afford-page p{
      margin:0 0 18px;
    }

    .loya-afford-page h2{
      margin:0 0 18px;
      color:#082044;
      font-size:34px;
      line-height:1.14;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .loya-afford-page h3{
      margin:0 0 12px;
      color:#082044;
      font-size:23px;
      line-height:1.22;
      font-weight:850;
    }

    .loya-afford-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .loya-afford-author{
      margin:18px 0 30px;
      border-radius:24px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 16px 38px rgba(15,23,42,.07);
    }

    .loya-afford-author-head{
      display:grid;
      grid-template-columns:minmax(0,1fr) auto;
      gap:18px;
      align-items:flex-start;
      padding:18px 20px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .loya-afford-badge{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#082044;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .loya-afford-author-name{
      margin:0 0 4px;
      color:#082044;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .loya-afford-author-role{
      margin:0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .loya-afford-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
      padding-top:4px;
    }

    .loya-afford-author-body{
      padding:16px 20px 18px;
      background:#fff;
    }

    .loya-afford-author details{
      margin:0;
    }

    .loya-afford-author summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:7px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .loya-afford-author summary::-webkit-details-marker{
      display:none;
    }

    .loya-afford-author summary::marker{
      content:"";
    }

    .loya-afford-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .loya-afford-author details[open] .loya-afford-caret{
      transform:rotate(180deg);
    }

    .loya-afford-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:820px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .loya-afford-author-panel p{
      margin:0 0 10px!important;
    }

    .loya-afford-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .loya-afford-hero{
      display:grid;
      grid-template-columns:minmax(0,1.04fr) minmax(320px,.96fr);
      gap:28px;
      align-items:stretch;
      margin:0 0 38px;
    }

    .loya-afford-hero-copy{
      padding:30px;
      border-radius:30px;
      background:linear-gradient(135deg,#082044 0%,#12335f 56%,#0b67ae 100%);
      color:#fff;
      box-shadow:0 18px 44px rgba(8,32,68,.22);
    }

    .loya-afford-eyebrow{
      display:inline-flex;
      align-items:center;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .loya-afford-hero-copy h2{
      color:#fff;
    }

    .loya-afford-hero-copy p{
      color:#eaf2ff;
    }

    .loya-afford-hero-copy a{
      color:#bfdbfe;
    }

    .loya-afford-lede{
      font-size:18px;
      line-height:1.72;
    }

    .loya-afford-figure{
      margin:0;
      border-radius:28px;
      overflow:hidden;
      border:1px solid #e2e8f0;
      background:#fff;
      box-shadow:0 18px 42px rgba(15,23,42,.075);
      height:100%;
    }

    .loya-afford-figure img{
      display:block;
      width:100%;
      height:100%;
      min-height:390px;
      object-fit:cover;
    }

    .loya-afford-figure figcaption{
      margin:0;
      padding:12px 14px;
      color:#475569;
      background:#f8fafc;
      font-size:13px;
      line-height:1.45;
    }

    .loya-afford-pill-row{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:16px;
      margin:0 0 40px;
    }

    .loya-afford-pill{
      padding:18px;
      border-radius:20px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 12px 30px rgba(15,23,42,.055);
    }

    .loya-afford-pill strong{
      display:block;
      margin:0 0 6px;
      color:#082044;
      font-size:18px;
      line-height:1.2;
      font-weight:900;
    }

    .loya-afford-pill span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.55;
    }

    .loya-afford-pill.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .loya-afford-pill.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .loya-afford-pill.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .loya-afford-pill.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .loya-afford-section{
      margin:44px 0;
    }

    .loya-afford-note{
      margin:24px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .loya-afford-note strong{
      color:#9a3412;
      font-weight:900;
    }

    .loya-afford-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:22px;
      margin:24px 0 0;
    }

    .loya-afford-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .loya-afford-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .loya-afford-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .loya-afford-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .loya-afford-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .loya-afford-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .loya-afford-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .loya-afford-card p:last-child{
      margin-bottom:0;
    }

    .loya-afford-list,
    .loya-afford-numbered{
      margin:0 0 20px;
      padding-left:22px;
    }

    .loya-afford-list li,
    .loya-afford-numbered li{
      margin:0 0 12px;
    }

    .loya-afford-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .loya-afford-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .loya-afford-table th,
    .loya-afford-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .loya-afford-table th{
      background:#082044;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .loya-afford-table td{
      background:#fff;
      color:#0f172a;
    }

    .loya-afford-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .loya-afford-table tr:last-child td{
      border-bottom:0;
    }

    .loya-afford-dark{
      margin:44px 0;
      padding:28px;
      border-radius:30px;
      background:linear-gradient(135deg,#082044,#13213f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.22);
    }

    .loya-afford-dark h2,
    .loya-afford-dark h3{
      color:#fff;
    }

    .loya-afford-dark p,
    .loya-afford-dark li{
      color:#e2e8f0;
    }

    .loya-afford-dark a{
      color:#bfdbfe;
    }

    .loya-afford-dark .loya-afford-card{
      background:rgba(255,255,255,.10);
      border-color:rgba(255,255,255,.22);
      box-shadow:none;
    }

    .loya-afford-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .loya-afford-faq summary{
      cursor:pointer;
      color:#082044;
      font-weight:850;
      list-style:none;
    }

    .loya-afford-faq summary::-webkit-details-marker{
      display:none;
    }

    .loya-afford-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .loya-afford-cta{
      margin:44px auto 12px;
      max-width:820px;
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#111827 0%,#082044 100%);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.24);
      text-align:center;
    }

    .loya-afford-cta-title{
      display:block;
      margin:0 0 8px;
      color:#fff!important;
      font-size:29px;
      line-height:1.12;
      font-weight:950;
      letter-spacing:-.02em;
    }

    .loya-afford-cta-text{
      display:block;
      margin:0 0 15px;
      color:#e2e8f0!important;
      font-size:15px;
      line-height:1.55;
    }

    .loya-afford-cta-form{
      display:flex;
      justify-content:center;
      align-items:center;
      flex-wrap:wrap;
      gap:10px;
      margin:0;
      padding:0;
    }

    .loya-afford-cta-input{
      width:180px;
      height:46px;
      border:0;
      border-radius:12px;
      background:#f8fafc;
      color:#0f172a;
      padding:0 13px;
      font-size:15px;
      outline:none;
    }

    .loya-afford-cta-btn{
      height:46px;
      border:0;
      border-radius:12px;
      background:#ff7a1a;
      color:#fff!important;
      font-size:15px;
      font-weight:850;
      padding:0 20px;
      cursor:pointer;
      -webkit-text-fill-color:#fff;
    }

    .loya-afford-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .loya-afford-refs h3{
      margin:0 0 12px;
      color:#082044;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .loya-afford-refs ol{
      margin:0;
      padding-left:20px;
    }

    .loya-afford-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .loya-afford-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .loya-afford-author-head,
      .loya-afford-hero,
      .loya-afford-pill-row,
      .loya-afford-grid-2,
      .loya-afford-grid-3{
        grid-template-columns:1fr;
      }

      .loya-afford-author-date{
        text-align:left;
        white-space:normal;
        padding-top:0;
      }

      .loya-afford-figure img{
        min-height:280px;
      }
    }

    @media(max-width:640px){
      .loya-afford-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .loya-afford-page h2{
        font-size:28px;
      }

      .loya-afford-hero-copy,
      .loya-afford-dark{
        padding:22px;
      }
    }
    
    /* ===============================================================
    https://loyainsurance.org/the-loya-insurance-group/
    ======================================================== */
    .loya-group-page,
    .loya-group-page *{
      box-sizing:border-box;
    }

    .loya-group-page{
      max-width:1180px;
      margin:0 auto;
      padding:0 24px 52px;
      color:#0f172a;
      font-size:17px;
      line-height:1.72;
    }

    .loya-group-page p{
      margin:0 0 18px;
    }

    .loya-group-page h2{
      margin:0 0 18px;
      color:#082044;
      font-size:34px;
      line-height:1.14;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .loya-group-page h3{
      margin:0 0 12px;
      color:#082044;
      font-size:23px;
      line-height:1.22;
      font-weight:850;
    }

    .loya-group-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .loya-group-author{
      margin:18px 0 30px;
      border-radius:24px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 16px 38px rgba(15,23,42,.07);
    }

    .loya-group-author-head{
      display:grid;
      grid-template-columns:minmax(0,1fr) auto;
      gap:18px;
      align-items:flex-start;
      padding:18px 20px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .loya-group-badge{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#082044;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .loya-group-author-name{
      margin:0 0 4px;
      color:#082044;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .loya-group-author-role{
      margin:0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .loya-group-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
      padding-top:4px;
    }

    .loya-group-author-body{
      padding:16px 20px 18px;
      background:#fff;
    }

    .loya-group-author details{
      margin:0;
    }

    .loya-group-author summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:7px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .loya-group-author summary::-webkit-details-marker{
      display:none;
    }

    .loya-group-author summary::marker{
      content:"";
    }

    .loya-group-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .loya-group-author details[open] .loya-group-caret{
      transform:rotate(180deg);
    }

    .loya-group-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:820px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .loya-group-author-panel p{
      margin:0 0 10px!important;
    }

    .loya-group-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .loya-group-hero{
      display:grid;
      grid-template-columns:minmax(0,1.04fr) minmax(320px,.96fr);
      gap:28px;
      align-items:stretch;
      margin:0 0 38px;
    }

    .loya-group-hero-copy{
      padding:30px;
      border-radius:30px;
      background:linear-gradient(135deg,#082044 0%,#12335f 56%,#0b67ae 100%);
      color:#fff;
      box-shadow:0 18px 44px rgba(8,32,68,.22);
    }

    .loya-group-eyebrow{
      display:inline-flex;
      align-items:center;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .loya-group-hero-copy h2{
      color:#fff;
    }

    .loya-group-hero-copy p{
      color:#eaf2ff;
    }

    .loya-group-hero-copy a{
      color:#bfdbfe;
    }

    .loya-group-lede{
      font-size:18px;
      line-height:1.72;
    }

    .loya-group-figure{
      margin:0;
      border-radius:28px;
      overflow:hidden;
      border:1px solid #e2e8f0;
      background:#fff;
      box-shadow:0 18px 42px rgba(15,23,42,.075);
      height:100%;
    }

    .loya-group-figure img{
      display:block;
      width:100%;
      height:100%;
      min-height:390px;
      object-fit:cover;
    }

    .loya-group-figure figcaption{
      margin:0;
      padding:12px 14px;
      color:#475569;
      background:#f8fafc;
      font-size:13px;
      line-height:1.45;
    }

    .loya-group-pill-row{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:16px;
      margin:0 0 40px;
    }

    .loya-group-pill{
      padding:18px;
      border-radius:20px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 12px 30px rgba(15,23,42,.055);
    }

    .loya-group-pill strong{
      display:block;
      margin:0 0 6px;
      color:#082044;
      font-size:18px;
      line-height:1.2;
      font-weight:900;
    }

    .loya-group-pill span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.55;
    }

    .loya-group-pill.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .loya-group-pill.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .loya-group-pill.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .loya-group-pill.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .loya-group-section{
      margin:44px 0;
    }

    .loya-group-note{
      margin:24px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .loya-group-note strong{
      color:#9a3412;
      font-weight:900;
    }

    .loya-group-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:22px;
      margin:24px 0 0;
    }

    .loya-group-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .loya-group-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .loya-group-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .loya-group-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .loya-group-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .loya-group-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .loya-group-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .loya-group-card p:last-child{
      margin-bottom:0;
    }

    .loya-group-list,
    .loya-group-numbered{
      margin:0 0 20px;
      padding-left:22px;
    }

    .loya-group-list li,
    .loya-group-numbered li{
      margin:0 0 12px;
    }

    .loya-group-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .loya-group-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .loya-group-table th,
    .loya-group-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .loya-group-table th{
      background:#082044;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .loya-group-table td{
      background:#fff;
      color:#0f172a;
    }

    .loya-group-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .loya-group-table tr:last-child td{
      border-bottom:0;
    }

    .loya-group-dark{
      margin:44px 0;
      padding:28px;
      border-radius:30px;
      background:linear-gradient(135deg,#082044,#13213f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.22);
    }

    .loya-group-dark h2,
    .loya-group-dark h3{
      color:#fff;
    }

    .loya-group-dark p,
    .loya-group-dark li{
      color:#e2e8f0;
    }

    .loya-group-dark a{
      color:#bfdbfe;
    }

    .loya-group-dark .loya-group-card{
      background:rgba(255,255,255,.10);
      border-color:rgba(255,255,255,.22);
      box-shadow:none;
    }

    .loya-group-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .loya-group-faq summary{
      cursor:pointer;
      color:#082044;
      font-weight:850;
      list-style:none;
    }

    .loya-group-faq summary::-webkit-details-marker{
      display:none;
    }

    .loya-group-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .loya-group-cta{
      margin:44px auto 12px;
      max-width:820px;
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#111827 0%,#082044 100%);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.24);
      text-align:center;
    }

    .loya-group-cta-title{
      display:block;
      margin:0 0 8px;
      color:#fff!important;
      font-size:29px;
      line-height:1.12;
      font-weight:950;
      letter-spacing:-.02em;
    }

    .loya-group-cta-text{
      display:block;
      margin:0 0 15px;
      color:#e2e8f0!important;
      font-size:15px;
      line-height:1.55;
    }

    .loya-group-cta-form{
      display:flex;
      justify-content:center;
      align-items:center;
      flex-wrap:wrap;
      gap:10px;
      margin:0;
      padding:0;
    }

    .loya-group-cta-input{
      width:180px;
      height:46px;
      border:0;
      border-radius:12px;
      background:#f8fafc;
      color:#0f172a;
      padding:0 13px;
      font-size:15px;
      outline:none;
    }

    .loya-group-cta-btn{
      height:46px;
      border:0;
      border-radius:12px;
      background:#ff7a1a;
      color:#fff!important;
      font-size:15px;
      font-weight:850;
      padding:0 20px;
      cursor:pointer;
      -webkit-text-fill-color:#fff;
    }

    .loya-group-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .loya-group-refs h3{
      margin:0 0 12px;
      color:#082044;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .loya-group-refs ol{
      margin:0;
      padding-left:20px;
    }

    .loya-group-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .loya-group-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .loya-group-author-head,
      .loya-group-hero,
      .loya-group-pill-row,
      .loya-group-grid-2,
      .loya-group-grid-3{
        grid-template-columns:1fr;
      }

      .loya-group-author-date{
        text-align:left;
        white-space:normal;
        padding-top:0;
      }

      .loya-group-figure img{
        min-height:280px;
      }
    }

    @media(max-width:640px){
      .loya-group-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .loya-group-page h2{
        font-size:28px;
      }

      .loya-group-hero-copy,
      .loya-group-dark{
        padding:22px;
      }
    }
    
    /* ================================================================
    https://loyainsurance.org/financial-impact-of-driving-uninsured/
    ======================================================================= */
    .loya-uninsured-ticket-page,.loya-uninsured-ticket-page *{box-sizing:border-box}
    .loya-uninsured-ticket-page{
      max-width:1160px;
      margin:0 auto;
      color:#0f172a;
      font-size:17px;
      line-height:1.72;
    }
    .loya-uninsured-ticket-page p{margin:0 0 18px}
    .loya-uninsured-ticket-page h2{
      font-size:34px;
      line-height:1.15;
      margin:0 0 18px;
      color:#082044;
      font-weight:900;
      letter-spacing:-.02em;
    }
    .loya-uninsured-ticket-page h3{
      font-size:23px;
      line-height:1.2;
      margin:0 0 12px;
      color:#082044;
      font-weight:850;
    }
    .loya-uninsured-ticket-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }
    .loya-author-card{
      margin:16px 0 28px;
      padding:18px 20px;
      border:1px solid #e2e8f0;
      border-radius:18px;
      background:#f8fafc;
      box-shadow:0 10px 30px rgba(15,23,42,.05);
    }
    .loya-author-top{
      display:flex;
      justify-content:space-between;
      gap:16px;
      align-items:flex-start;
      flex-wrap:wrap;
    }
    .loya-author-left{
      display:flex;
      gap:14px;
      align-items:flex-start;
      min-width:0;
      flex:1 1 auto;
    }
    .loya-author-photo{
      width:56px;
      height:56px;
      flex:0 0 56px;
      border-radius:999px;
      overflow:hidden;
      background:#082044;
      box-shadow:0 10px 20px rgba(8,32,68,.18);
    }
    .loya-author-photo img{
      width:100%;
      height:100%;
      object-fit:cover;
      display:block;
      border-radius:999px;
    }
    .loya-author-name{
      font-size:18px;
      font-weight:850;
      color:#082044;
      line-height:1.25;
      margin:0 0 4px;
    }
    .loya-author-role{
      font-size:14px;
      color:#64748b;
      margin:0 0 6px!important;
    }
    .loya-author-date{
      font-size:13px;
      color:#64748b;
      line-height:1.45;
      text-align:right;
      font-style:italic;
    }
    .loya-author-dropdown{margin-top:6px}
    .loya-author-dropdown summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:6px;
      color:#0b67ae;
      font-size:13px;
      font-weight:850;
      list-style:none;
      user-select:none;
    }
    .loya-author-dropdown summary::-webkit-details-marker{display:none}
    .loya-author-dropdown summary::marker{content:""}
    .loya-author-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }
    .loya-author-dropdown[open] .loya-author-caret{transform:rotate(180deg)}
    .loya-author-dropdown-content{
      margin-top:10px;
      padding:12px 14px;
      border-radius:14px;
      background:#fff;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:14px;
      line-height:1.6;
      max-width:760px;
    }
    .loya-author-dropdown-content p{margin:0 0 10px!important}
    .loya-author-dropdown-content p:last-child{margin-bottom:0!important}
    .loya-intro-grid{
      display:grid;
      grid-template-columns:minmax(0,1.05fr) minmax(320px,.95fr);
      gap:30px;
      align-items:center;
      margin:0 0 36px;
    }
    .loya-eyebrow{
      display:inline-flex;
      align-items:center;
      padding:8px 14px;
      border-radius:999px;
      background:#eaf3ff;
      color:#0b67ae;
      font-size:13px;
      font-weight:850;
      letter-spacing:.03em;
      text-transform:uppercase;
      margin:0 0 18px;
    }
    .loya-image-card{
      background:#fff;
      border:1px solid #e5e7eb;
      border-radius:26px;
      padding:14px;
      box-shadow:0 18px 44px rgba(15,23,42,.08);
    }
    .loya-image-card img{
      display:block;
      width:100%;
      height:auto;
      border-radius:20px;
    }
    .loya-caption{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      text-align:center;
      margin:8px 0 0!important;
    }
    .loya-cards{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:20px;
      margin:0 0 38px;
    }
    .loya-card{
      background:#fff;
      border:1px solid #e5e7eb;
      border-radius:22px;
      padding:22px;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      height:100%;
    }
    .loya-card.blue{background:linear-gradient(135deg,#eff6ff,#fff);border-color:#bfdbfe}
    .loya-card.green{background:linear-gradient(135deg,#ecfdf5,#fff);border-color:#bbf7d0}
    .loya-card.orange{background:linear-gradient(135deg,#fff7ed,#fff);border-color:#fed7aa}
    .loya-card.purple{background:linear-gradient(135deg,#f5f3ff,#fff);border-color:#ddd6fe}
    .loya-card.red{background:linear-gradient(135deg,#fef2f2,#fff);border-color:#fecaca}
    .loya-card p:last-child{margin-bottom:0}
    .loya-section{margin:42px 0}
    .loya-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border:1px solid #e5e7eb;
      border-radius:22px;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }
    .loya-table{
      width:100%;
      border-collapse:collapse;
      min-width:760px;
    }
    .loya-table th,
    .loya-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }
    .loya-table th{
      background:#082044;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }
    .loya-table tr:last-child td{border-bottom:0}
    .loya-two-col{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:22px;
      margin:22px 0 0;
    }
    .loya-checklist,
    .loya-numbered{
      margin:0 0 20px;
      padding-left:22px;
    }
    .loya-checklist li,
    .loya-numbered li{margin:0 0 12px}
    .loya-soft-note{
      margin:28px 0 24px;
      padding:16px 18px;
      border-radius:16px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      font-size:15px;
      line-height:1.65;
    }
    .loya-soft-note strong{
      color:#9a3412;
      font-weight:850;
    }
    .loya-review-card{
      background:#fff;
      border:1px solid #e5e7eb;
      border-radius:18px;
      padding:18px;
      box-shadow:0 12px 30px rgba(15,23,42,.05);
    }
    .loya-review-card blockquote{
      margin:0 0 10px;
      color:#334155;
      font-style:italic;
      line-height:1.65;
    }
    .loya-review-card figcaption{
      color:#64748b;
      font-size:14px;
      font-weight:700;
    }
    .loya-faq details{
      border:1px solid #e5e7eb;
      border-radius:16px;
      padding:16px 18px;
      margin:0 0 12px;
      background:#fff;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }
    .loya-faq summary{
      cursor:pointer;
      font-weight:850;
      color:#082044;
      list-style:none;
    }
    .loya-faq summary::-webkit-details-marker{display:none}
    .loya-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }
    .loya-cta{
      margin:42px auto 10px;
      max-width:760px;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 22px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      color:#fff;
    }
    .loya-cta-title{
      display:block;
      color:#fff!important;
      font-size:28px;
      line-height:1.1;
      font-weight:900;
      margin:0 0 8px;
      text-align:center;
    }
    .loya-cta-text{
      display:block;
      color:#e2e8f0!important;
      font-size:15px;
      line-height:1.55;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
    }
    .loya-cta-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }
    .loya-cta-input{
      flex:0 1 180px;
      min-width:180px;
      max-width:180px;
      width:100%;
      height:46px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:12px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:46px;
      box-shadow:none;
      outline:none;
    }
    .loya-cta-btn{
      width:100%;
      height:46px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:12px;
      background:#ff7a1a;
      color:#fff!important;
      font-size:15px;
      line-height:1;
      font-weight:850;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#fff;
    }
    .loya-refs{
      margin-top:34px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }
    .loya-refs h3{
      font-size:22px;
      margin-bottom:12px;
    }
    .loya-refs ol{
      margin:0;
      padding-left:20px;
    }
    .loya-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }
    .loya-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }
    @media(max-width:980px){
      .loya-intro-grid,
      .loya-cards,
      .loya-two-col{grid-template-columns:1fr}
      .loya-author-date{text-align:left}
    }
    
    /* =================================================================
    https://loyainsurance.org/real-costs-of-driving-uninsured/ 
    =========================================================== */
    .uninsured-cost-page,
    .uninsured-cost-page *{
      box-sizing:border-box;
    }

    .uninsured-cost-page{
      max-width:1180px;
      margin:0 auto;
      padding:0 24px 52px;
      color:#0f172a;
      font-size:17px;
      line-height:1.72;
    }

    .uninsured-cost-page p{
      margin:0 0 18px;
    }

    .uninsured-cost-page h2{
      margin:0 0 18px;
      color:#082044;
      font-size:34px;
      line-height:1.14;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .uninsured-cost-page h3{
      margin:0 0 12px;
      color:#082044;
      font-size:23px;
      line-height:1.22;
      font-weight:850;
    }

    .uninsured-cost-page h4{
      margin:0 0 8px;
      color:#082044;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .uninsured-cost-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .uc-author{
      margin:18px 0 30px;
      border-radius:22px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
    }

    .uc-author-head{
      display:grid;
      grid-template-columns:minmax(0,1fr) auto;
      gap:18px;
      align-items:flex-start;
      padding:18px 20px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .uc-badge{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#082044;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .uc-author-name{
      display:flex;
      align-items:center;
      gap:12px;
      margin:0 0 4px;
      color:#082044;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .uc-author-name img{
      width:52px;
      height:52px;
      border-radius:999px;
      object-fit:cover;
      flex:0 0 52px;
      border:2px solid #fff;
      box-shadow:0 8px 20px rgba(15,23,42,.12);
    }

    .uc-author-role{
      margin:0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
      padding-left:64px;
    }

    .uc-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
      padding-top:4px;
    }

    .uc-author-body{
      padding:16px 20px 18px;
      background:#fff;
    }

    .uc-author details{
      margin:0;
    }

    .uc-author summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:7px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .uc-author summary::-webkit-details-marker{
      display:none;
    }

    .uc-author summary::marker{
      content:"";
    }

    .uc-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .uc-author details[open] .uc-caret{
      transform:rotate(180deg);
    }

    .uc-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:820px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .uc-author-panel p{
      margin:0 0 10px!important;
    }

    .uc-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .uc-hero{
      display:grid;
      grid-template-columns:minmax(0,1.03fr) minmax(320px,.97fr);
      gap:28px;
      align-items:stretch;
      margin:0 0 36px;
    }

    .uc-hero-copy{
      padding:32px;
      border-radius:30px;
      background:
        radial-gradient(circle at top right,rgba(255,122,26,.24),transparent 34%),
        linear-gradient(135deg,#082044 0%,#12335f 58%,#0b67ae 100%);
      color:#fff;
      box-shadow:0 18px 44px rgba(8,32,68,.22);
    }

    .uc-eyebrow{
      display:inline-flex;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.15);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .uc-hero-copy h2{
      color:#fff;
    }

    .uc-hero-copy p{
      color:#eaf2ff;
    }

    .uc-hero-copy a{
      color:#bfdbfe;
    }

    .uc-lede{
      font-size:18px;
      line-height:1.72;
    }

    .uc-hero-panel{
      display:flex;
      flex-direction:column;
      justify-content:space-between;
      border-radius:30px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 18px 42px rgba(15,23,42,.075);
    }

    .uc-hero-panel-top{
      padding:26px;
      background:linear-gradient(135deg,#f8fafc,#eef6ff);
    }

    .uc-big-number{
      display:block;
      margin:0 0 8px;
      color:#082044;
      font-size:46px;
      line-height:1;
      font-weight:950;
      letter-spacing:-.05em;
    }

    .uc-hero-panel-top p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin:0;
    }

    .uc-figure{
      margin:0;
      border-top:1px solid #e2e8f0;
      background:#fff;
    }

    .uc-figure img{
      display:block;
      width:100%;
      height:auto;
    }

    .uc-figure figcaption{
      margin:0;
      padding:12px 14px;
      color:#475569;
      background:#f8fafc;
      font-size:13px;
      line-height:1.45;
    }

    .uc-metric-row{
      display:grid;
      grid-template-columns:1.05fr .95fr 1fr;
      gap:16px;
      margin:0 0 40px;
    }

    .uc-metric{
      padding:20px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 12px 30px rgba(15,23,42,.05);
    }

    .uc-metric.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .uc-metric.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .uc-metric.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .uc-metric strong{
      display:block;
      margin:0 0 6px;
      color:#082044;
      font-size:18px;
      line-height:1.2;
      font-weight:900;
    }

    .uc-metric span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.55;
    }

    .uc-section{
      margin:44px 0;
    }

    .uc-note{
      margin:24px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .uc-note strong{
      color:#9a3412;
      font-weight:900;
    }

    .uc-soft-box{
      margin:24px 0;
      padding:24px;
      border-radius:26px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 100%);
      border:1px solid #dbeafe;
      box-shadow:0 14px 36px rgba(15,23,42,.055);
    }

    .uc-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:22px;
      margin:24px 0 0;
    }

    .uc-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .uc-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .uc-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .uc-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .uc-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .uc-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .uc-card p:last-child{
      margin-bottom:0;
    }

    .uc-list,
    .uc-numbered{
      margin:0 0 20px;
      padding-left:22px;
    }

    .uc-list li,
    .uc-numbered li{
      margin:0 0 12px;
    }

    .uc-stack{
      display:grid;
      grid-template-columns:repeat(5,minmax(0,1fr));
      gap:0;
      margin:28px 0;
      border-radius:24px;
      overflow:hidden;
      border:1px solid #dbeafe;
      box-shadow:0 16px 36px rgba(15,23,42,.06);
    }

    .uc-stack-step{
      padding:22px;
      background:#fff;
      border-right:1px solid #e5e7eb;
    }

    .uc-stack-step:nth-child(odd){
      background:#f8fafc;
    }

    .uc-stack-step:last-child{
      border-right:0;
    }

    .uc-stack-step strong{
      display:block;
      margin:0 0 8px;
      color:#082044;
      font-size:17px;
      line-height:1.25;
      font-weight:900;
    }

    .uc-stack-step span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.55;
    }

    .uc-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .uc-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .uc-table th,
    .uc-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .uc-table th{
      background:#082044;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .uc-table td{
      background:#fff;
      color:#0f172a;
    }

    .uc-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .uc-table tr:last-child td{
      border-bottom:0;
    }

    .uc-split{
      display:grid;
      grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);
      gap:0;
      margin:44px 0;
      border-radius:30px;
      overflow:hidden;
      border:1px solid #dbeafe;
      background:#fff;
      box-shadow:0 18px 42px rgba(15,23,42,.075);
    }

    .uc-split-side{
      padding:30px;
      background:linear-gradient(135deg,#082044,#13213f);
      color:#fff;
    }

    .uc-split-side h2,
    .uc-split-side h3{
      color:#fff;
    }

    .uc-split-side p,
    .uc-split-side li{
      color:#e2e8f0;
    }

    .uc-split-side a{
      color:#bfdbfe;
    }

    .uc-split-main{
      padding:30px;
      background:linear-gradient(135deg,#f8fafc,#fff);
    }

    .uc-dark{
      margin:44px 0;
      padding:28px;
      border-radius:30px;
      background:linear-gradient(135deg,#082044,#13213f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.22);
    }

    .uc-dark h2,
    .uc-dark h3{
      color:#fff;
    }

    .uc-dark p,
    .uc-dark li{
      color:#e2e8f0;
    }

    .uc-dark a{
      color:#bfdbfe;
    }

    .uc-dark .uc-card{
      background:rgba(255,255,255,.10);
      border-color:rgba(255,255,255,.22);
      box-shadow:none;
    }

    .uc-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .uc-faq summary{
      cursor:pointer;
      color:#082044;
      font-weight:850;
      list-style:none;
    }

    .uc-faq summary::-webkit-details-marker{
      display:none;
    }

    .uc-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .uc-cta{
      margin:44px auto 12px;
      max-width:820px;
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#111827 0%,#082044 100%);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.24);
      text-align:center;
    }

    .uc-cta-title{
      display:block;
      margin:0 0 8px;
      color:#fff!important;
      font-size:29px;
      line-height:1.12;
      font-weight:950;
      letter-spacing:-.02em;
    }

    .uc-cta-text{
      display:block;
      margin:0 0 15px;
      color:#e2e8f0!important;
      font-size:15px;
      line-height:1.55;
    }

    .uc-cta-form{
      display:flex;
      justify-content:center;
      align-items:center;
      flex-wrap:wrap;
      gap:10px;
      margin:0;
      padding:0;
    }

    .uc-cta-input{
      width:180px;
      height:46px;
      border:0;
      border-radius:12px;
      background:#f8fafc;
      color:#0f172a;
      padding:0 13px;
      font-size:15px;
      outline:none;
    }

    .uc-cta-btn{
      height:46px;
      border:0;
      border-radius:12px;
      background:#ff7a1a;
      color:#fff!important;
      font-size:15px;
      font-weight:850;
      padding:0 20px;
      cursor:pointer;
      -webkit-text-fill-color:#fff;
    }

    .uc-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .uc-refs h3{
      margin:0 0 12px;
      color:#082044;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .uc-refs ol{
      margin:0;
      padding-left:20px;
    }

    .uc-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .uc-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .uc-author-head,
      .uc-hero,
      .uc-metric-row,
      .uc-grid-2,
      .uc-grid-3,
      .uc-stack,
      .uc-split{
        grid-template-columns:1fr;
      }

      .uc-stack-step{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .uc-stack-step:last-child{
        border-bottom:0;
      }

      .uc-author-date{
        text-align:left;
        white-space:normal;
        padding-top:0;
      }

      .uc-author-role{
        padding-left:0;
      }
    }

    @media(max-width:640px){
      .uninsured-cost-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .uninsured-cost-page h2{
        font-size:28px;
      }

      .uc-hero-copy,
      .uc-dark,
      .uc-split-side,
      .uc-split-main,
      .uc-soft-box{
        padding:22px;
      }

      .uc-big-number{
        font-size:38px;
      }
    }
    
    /* =================================================================
    https://loyainsurance.org/benefits-of-liability-coverage-auto-insurance/
    ======================================================================= */
    .liability-guide-page,
    .liability-guide-page *{
      box-sizing:border-box;
    }

    .liability-guide-page{
      max-width:1180px;
      margin:0 auto;
      padding:0 24px 52px;
      color:#0f172a;
      font-size:17px;
      line-height:1.72;
    }

    .liability-guide-page p{
      margin:0 0 18px;
    }

    .liability-guide-page h2{
      margin:0 0 18px;
      color:#082044;
      font-size:34px;
      line-height:1.14;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .liability-guide-page h3{
      margin:0 0 12px;
      color:#082044;
      font-size:23px;
      line-height:1.22;
      font-weight:850;
    }

    .liability-guide-page h4{
      margin:0 0 8px;
      color:#082044;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .liability-guide-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .lg-author{
      margin:18px 0 30px;
      border-radius:22px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
    }

    .lg-author-head{
      display:grid;
      grid-template-columns:minmax(0,1fr) auto;
      gap:18px;
      align-items:flex-start;
      padding:18px 20px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .lg-badge{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#082044;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .lg-author-name{
      display:flex;
      align-items:center;
      gap:12px;
      margin:0 0 4px;
      color:#082044;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .lg-author-name img{
      width:52px;
      height:52px;
      border-radius:999px;
      object-fit:cover;
      flex:0 0 52px;
      border:2px solid #fff;
      box-shadow:0 8px 20px rgba(15,23,42,.12);
    }

    .lg-author-role{
      margin:0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
      padding-left:64px;
    }

    .lg-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
      padding-top:4px;
    }

    .lg-author-body{
      padding:16px 20px 18px;
      background:#fff;
    }

    .lg-author details{
      margin:0;
    }

    .lg-author summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:7px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .lg-author summary::-webkit-details-marker{
      display:none;
    }

    .lg-author summary::marker{
      content:"";
    }

    .lg-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .lg-author details[open] .lg-caret{
      transform:rotate(180deg);
    }

    .lg-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:820px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .lg-author-panel p{
      margin:0 0 10px!important;
    }

    .lg-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .lg-hero{
      display:grid;
      grid-template-columns:minmax(0,1.05fr) minmax(320px,.95fr);
      gap:28px;
      align-items:stretch;
      margin:0 0 38px;
    }

    .lg-hero-copy{
      padding:32px;
      border-radius:30px;
      background:
        radial-gradient(circle at top right,rgba(255,122,26,.22),transparent 34%),
        linear-gradient(135deg,#082044 0%,#12335f 58%,#0b67ae 100%);
      color:#fff;
      box-shadow:0 18px 44px rgba(8,32,68,.22);
    }

    .lg-eyebrow{
      display:inline-flex;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.15);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .lg-hero-copy h2{
      color:#fff;
    }

    .lg-hero-copy p{
      color:#eaf2ff;
    }

    .lg-hero-copy a{
      color:#bfdbfe;
    }

    .lg-lede{
      font-size:18px;
      line-height:1.72;
    }

    .lg-visual-card{
      display:flex;
      flex-direction:column;
      border-radius:30px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 18px 42px rgba(15,23,42,.075);
    }

    .lg-visual-top{
      padding:24px;
      background:linear-gradient(135deg,#f8fafc,#eef6ff);
    }

    .lg-visual-top strong{
      display:block;
      margin:0 0 8px;
      color:#082044;
      font-size:28px;
      line-height:1.1;
      font-weight:950;
      letter-spacing:-.03em;
    }

    .lg-visual-top span{
      display:block;
      color:#475569;
      font-size:15px;
      line-height:1.55;
    }

    .lg-figure{
      margin:0;
      background:#fff;
      border-top:1px solid #e2e8f0;
    }

    .lg-figure img{
      display:block;
      width:100%;
      height:auto;
    }

    .lg-figure figcaption{
      margin:0;
      padding:12px 14px;
      color:#475569;
      background:#f8fafc;
      font-size:13px;
      line-height:1.45;
    }

    .lg-stat-row{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:16px;
      margin:0 0 40px;
    }

    .lg-stat{
      padding:20px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 12px 30px rgba(15,23,42,.05);
    }

    .lg-stat.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .lg-stat.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .lg-stat.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .lg-stat strong{
      display:block;
      margin:0 0 6px;
      color:#082044;
      font-size:20px;
      line-height:1.15;
      font-weight:950;
    }

    .lg-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.55;
    }

    .lg-section{
      margin:44px 0;
    }

    .lg-note{
      margin:24px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .lg-note strong{
      color:#9a3412;
      font-weight:900;
    }

    .lg-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:22px;
      margin:24px 0 0;
    }

    .lg-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .lg-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .lg-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .lg-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .lg-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .lg-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .lg-card p:last-child{
      margin-bottom:0;
    }

    .lg-list,
    .lg-numbered{
      margin:0 0 20px;
      padding-left:22px;
    }

    .lg-list li,
    .lg-numbered li{
      margin:0 0 12px;
    }

    .lg-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .lg-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .lg-table th,
    .lg-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .lg-table th{
      background:#082044;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .lg-table td{
      background:#fff;
      color:#0f172a;
    }

    .lg-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .lg-table tr:last-child td{
      border-bottom:0;
    }

    .lg-limit-ladder{
      margin:28px 0;
      border-radius:28px;
      overflow:hidden;
      border:1px solid #dbeafe;
      background:#fff;
      box-shadow:0 18px 42px rgba(15,23,42,.07);
    }

    .lg-ladder-row{
      display:grid;
      grid-template-columns:220px minmax(0,1fr) 260px;
      border-bottom:1px solid #e5e7eb;
    }

    .lg-ladder-row:last-child{
      border-bottom:0;
    }

    .lg-ladder-label{
      padding:20px;
      background:#082044;
      color:#fff;
      font-weight:900;
    }

    .lg-ladder-text{
      padding:20px;
      background:#fff;
      color:#334155;
    }

    .lg-ladder-action{
      padding:20px;
      background:#f8fafc;
      color:#475569;
      font-size:15px;
    }

    .lg-split{
      display:grid;
      grid-template-columns:minmax(0,.92fr) minmax(0,1.08fr);
      gap:0;
      margin:44px 0;
      border-radius:30px;
      overflow:hidden;
      border:1px solid #dbeafe;
      background:#fff;
      box-shadow:0 18px 42px rgba(15,23,42,.075);
    }

    .lg-split-side{
      padding:30px;
      background:linear-gradient(135deg,#082044,#13213f);
      color:#fff;
    }

    .lg-split-side h2,
    .lg-split-side h3{
      color:#fff;
    }

    .lg-split-side p,
    .lg-split-side li{
      color:#e2e8f0;
    }

    .lg-split-side a{
      color:#bfdbfe;
    }

    .lg-split-main{
      padding:30px;
      background:linear-gradient(135deg,#f8fafc,#fff);
    }

    .lg-dark{
      margin:44px 0;
      padding:28px;
      border-radius:30px;
      background:linear-gradient(135deg,#082044,#13213f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.22);
    }

    .lg-dark h2,
    .lg-dark h3{
      color:#fff;
    }

    .lg-dark p,
    .lg-dark li{
      color:#e2e8f0;
    }

    .lg-dark a{
      color:#bfdbfe;
    }

    .lg-dark .lg-card{
      background:rgba(255,255,255,.10);
      border-color:rgba(255,255,255,.22);
      box-shadow:none;
    }

    .lg-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .lg-faq summary{
      cursor:pointer;
      color:#082044;
      font-weight:850;
      list-style:none;
    }

    .lg-faq summary::-webkit-details-marker{
      display:none;
    }

    .lg-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .lg-cta{
      margin:44px auto 12px;
      max-width:820px;
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#111827 0%,#082044 100%);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.24);
      text-align:center;
    }

    .lg-cta-title{
      display:block;
      margin:0 0 8px;
      color:#fff!important;
      font-size:29px;
      line-height:1.12;
      font-weight:950;
      letter-spacing:-.02em;
    }

    .lg-cta-text{
      display:block;
      margin:0 0 15px;
      color:#e2e8f0!important;
      font-size:15px;
      line-height:1.55;
    }

    .lg-cta-form{
      display:flex;
      justify-content:center;
      align-items:center;
      flex-wrap:wrap;
      gap:10px;
      margin:0;
      padding:0;
    }

    .lg-cta-input{
      width:180px;
      height:46px;
      border:0;
      border-radius:12px;
      background:#f8fafc;
      color:#0f172a;
      padding:0 13px;
      font-size:15px;
      outline:none;
    }

    .lg-cta-btn{
      height:46px;
      border:0;
      border-radius:12px;
      background:#ff7a1a;
      color:#fff!important;
      font-size:15px;
      font-weight:850;
      padding:0 20px;
      cursor:pointer;
      -webkit-text-fill-color:#fff;
    }

    .lg-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .lg-refs h3{
      margin:0 0 12px;
      color:#082044;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .lg-refs ol{
      margin:0;
      padding-left:20px;
    }

    .lg-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .lg-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .lg-author-head,
      .lg-hero,
      .lg-stat-row,
      .lg-grid-2,
      .lg-grid-3,
      .lg-split{
        grid-template-columns:1fr;
      }

      .lg-ladder-row{
        grid-template-columns:1fr;
      }

      .lg-author-date{
        text-align:left;
        white-space:normal;
        padding-top:0;
      }

      .lg-author-role{
        padding-left:0;
      }
    }

    @media(max-width:640px){
      .liability-guide-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .liability-guide-page h2{
        font-size:28px;
      }

      .lg-hero-copy,
      .lg-dark,
      .lg-split-side,
      .lg-split-main{
        padding:22px;
      }

      .lg-visual-top strong{
        font-size:24px;
      }
    }
    
    /* ================================================================
    https://loyainsurance.org/affordable-auto-insurance-options-save-big/
    ====================================================================== */
    .budget-insurance-page,
    .budget-insurance-page *{
      box-sizing:border-box;
    }

    .budget-insurance-page{
      max-width:1180px;
      margin:0 auto;
      padding:0 24px 52px;
      color:#0f172a;
      font-size:17px;
      line-height:1.72;
    }

    .budget-insurance-page p{
      margin:0 0 18px;
    }

    .budget-insurance-page h2{
      margin:0 0 18px;
      color:#082044;
      font-size:34px;
      line-height:1.14;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .budget-insurance-page h3{
      margin:0 0 12px;
      color:#082044;
      font-size:23px;
      line-height:1.22;
      font-weight:850;
    }

    .budget-insurance-page h4{
      margin:0 0 8px;
      color:#082044;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .budget-insurance-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .bi-author{
      margin:18px 0 30px;
      border-radius:22px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
    }

    .bi-author-head{
      display:grid;
      grid-template-columns:minmax(0,1fr) auto;
      gap:18px;
      align-items:flex-start;
      padding:18px 20px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .bi-badge{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#082044;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .bi-author-name{
      display:flex;
      align-items:center;
      gap:12px;
      margin:0 0 4px;
      color:#082044;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .bi-author-name img{
      width:52px;
      height:52px;
      border-radius:999px;
      object-fit:cover;
      flex:0 0 52px;
      border:2px solid #fff;
      box-shadow:0 8px 20px rgba(15,23,42,.12);
    }

    .bi-author-role{
      margin:0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
      padding-left:64px;
    }

    .bi-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
      padding-top:4px;
    }

    .bi-author-body{
      padding:16px 20px 18px;
      background:#fff;
    }

    .bi-author details{
      margin:0;
    }

    .bi-author summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:7px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .bi-author summary::-webkit-details-marker{
      display:none;
    }

    .bi-author summary::marker{
      content:"";
    }

    .bi-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .bi-author details[open] .bi-caret{
      transform:rotate(180deg);
    }

    .bi-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:820px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .bi-author-panel p{
      margin:0 0 10px!important;
    }

    .bi-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .bi-hero{
      display:grid;
      grid-template-columns:minmax(0,1.02fr) minmax(320px,.98fr);
      gap:28px;
      align-items:stretch;
      margin:0 0 38px;
    }

    .bi-hero-copy{
      padding:32px;
      border-radius:30px;
      background:
        radial-gradient(circle at top right,rgba(255,122,26,.22),transparent 34%),
        linear-gradient(135deg,#082044 0%,#12335f 58%,#0b67ae 100%);
      color:#fff;
      box-shadow:0 18px 44px rgba(8,32,68,.22);
    }

    .bi-eyebrow{
      display:inline-flex;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.15);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .bi-hero-copy h2{
      color:#fff;
    }

    .bi-hero-copy p{
      color:#eaf2ff;
    }

    .bi-hero-copy a{
      color:#bfdbfe;
    }

    .bi-lede{
      font-size:18px;
      line-height:1.72;
    }

    .bi-visual{
      display:flex;
      flex-direction:column;
      border-radius:30px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 18px 42px rgba(15,23,42,.075);
    }

    .bi-visual-top{
      padding:24px;
      background:linear-gradient(135deg,#f8fafc,#eef6ff);
    }

    .bi-visual-top strong{
      display:block;
      margin:0 0 8px;
      color:#082044;
      font-size:30px;
      line-height:1.08;
      font-weight:950;
      letter-spacing:-.035em;
    }

    .bi-visual-top span{
      display:block;
      color:#475569;
      font-size:15px;
      line-height:1.55;
    }

    .bi-figure{
      margin:0;
      background:#fff;
      border-top:1px solid #e2e8f0;
    }

    .bi-figure img{
      display:block;
      width:100%;
      height:auto;
    }

    .bi-figure figcaption{
      margin:0;
      padding:12px 14px;
      color:#475569;
      background:#f8fafc;
      font-size:13px;
      line-height:1.45;
    }

    .bi-stat-row{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:16px;
      margin:0 0 40px;
    }

    .bi-stat{
      padding:20px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 12px 30px rgba(15,23,42,.05);
    }

    .bi-stat.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .bi-stat.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .bi-stat.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .bi-stat strong{
      display:block;
      margin:0 0 6px;
      color:#082044;
      font-size:20px;
      line-height:1.15;
      font-weight:950;
    }

    .bi-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.55;
    }

    .bi-section{
      margin:44px 0;
    }

    .bi-note{
      margin:24px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .bi-note strong{
      color:#9a3412;
      font-weight:900;
    }

    .bi-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:22px;
      margin:24px 0 0;
    }

    .bi-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .bi-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .bi-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .bi-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .bi-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .bi-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .bi-card p:last-child{
      margin-bottom:0;
    }

    .bi-list,
    .bi-numbered{
      margin:0 0 20px;
      padding-left:22px;
    }

    .bi-list li,
    .bi-numbered li{
      margin:0 0 12px;
    }

    .bi-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .bi-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .bi-table th,
    .bi-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .bi-table th{
      background:#082044;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .bi-table td{
      background:#fff;
      color:#0f172a;
    }

    .bi-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .bi-table tr:last-child td{
      border-bottom:0;
    }

    .bi-map{
      margin:28px 0;
      border-radius:28px;
      overflow:hidden;
      border:1px solid #dbeafe;
      background:#fff;
      box-shadow:0 18px 42px rgba(15,23,42,.07);
    }

    .bi-map-row{
      display:grid;
      grid-template-columns:230px minmax(0,1fr) 250px;
      border-bottom:1px solid #e5e7eb;
    }

    .bi-map-row:last-child{
      border-bottom:0;
    }

    .bi-map-label{
      padding:20px;
      background:#082044;
      color:#fff;
      font-weight:900;
    }

    .bi-map-text{
      padding:20px;
      background:#fff;
      color:#334155;
    }

    .bi-map-action{
      padding:20px;
      background:#f8fafc;
      color:#475569;
      font-size:15px;
    }

    .bi-split{
      display:grid;
      grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);
      gap:0;
      margin:44px 0;
      border-radius:30px;
      overflow:hidden;
      border:1px solid #dbeafe;
      background:#fff;
      box-shadow:0 18px 42px rgba(15,23,42,.075);
    }

    .bi-split-side{
      padding:30px;
      background:linear-gradient(135deg,#082044,#13213f);
      color:#fff;
    }

    .bi-split-side h2,
    .bi-split-side h3{
      color:#fff;
    }

    .bi-split-side p,
    .bi-split-side li{
      color:#e2e8f0;
    }

    .bi-split-side a{
      color:#bfdbfe;
    }

    .bi-split-main{
      padding:30px;
      background:linear-gradient(135deg,#f8fafc,#fff);
    }

    .bi-dark{
      margin:44px 0;
      padding:28px;
      border-radius:30px;
      background:linear-gradient(135deg,#082044,#13213f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.22);
    }

    .bi-dark h2,
    .bi-dark h3{
      color:#fff;
    }

    .bi-dark p,
    .bi-dark li{
      color:#e2e8f0;
    }

    .bi-dark a{
      color:#bfdbfe;
    }

    .bi-dark .bi-card{
      background:rgba(255,255,255,.10);
      border-color:rgba(255,255,255,.22);
      box-shadow:none;
    }

    .bi-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .bi-faq summary{
      cursor:pointer;
      color:#082044;
      font-weight:850;
      list-style:none;
    }

    .bi-faq summary::-webkit-details-marker{
      display:none;
    }

    .bi-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .bi-cta{
      margin:44px auto 12px;
      max-width:820px;
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#111827 0%,#082044 100%);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.24);
      text-align:center;
    }

    .bi-cta-title{
      display:block;
      margin:0 0 8px;
      color:#fff!important;
      font-size:29px;
      line-height:1.12;
      font-weight:950;
      letter-spacing:-.02em;
    }

    .bi-cta-text{
      display:block;
      margin:0 0 15px;
      color:#e2e8f0!important;
      font-size:15px;
      line-height:1.55;
    }

    .bi-cta-form{
      display:flex;
      justify-content:center;
      align-items:center;
      flex-wrap:wrap;
      gap:10px;
      margin:0;
      padding:0;
    }

    .bi-cta-input{
      width:180px;
      height:46px;
      border:0;
      border-radius:12px;
      background:#f8fafc;
      color:#0f172a;
      padding:0 13px;
      font-size:15px;
      outline:none;
    }

    .bi-cta-btn{
      height:46px;
      border:0;
      border-radius:12px;
      background:#ff7a1a;
      color:#fff!important;
      font-size:15px;
      font-weight:850;
      padding:0 20px;
      cursor:pointer;
      -webkit-text-fill-color:#fff;
    }

    .bi-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .bi-refs h3{
      margin:0 0 12px;
      color:#082044;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .bi-refs ol{
      margin:0;
      padding-left:20px;
    }

    .bi-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .bi-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .bi-author-head,
      .bi-hero,
      .bi-stat-row,
      .bi-grid-2,
      .bi-grid-3,
      .bi-split{
        grid-template-columns:1fr;
      }

      .bi-map-row{
        grid-template-columns:1fr;
      }

      .bi-author-date{
        text-align:left;
        white-space:normal;
        padding-top:0;
      }

      .bi-author-role{
        padding-left:0;
      }
    }

    @media(max-width:640px){
      .budget-insurance-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .budget-insurance-page h2{
        font-size:28px;
      }

      .bi-hero-copy,
      .bi-dark,
      .bi-split-side,
      .bi-split-main{
        padding:22px;
      }

      .bi-visual-top strong{
        font-size:25px;
      }
    }
    
    /* =================================================================
    https://loyainsurance.org/loya-car-insurance-high-risk-drivers/
    ================================================================ */
    .lhr-page,
    .lhr-page *{
      box-sizing:border-box;
    }

    .lhr-page{
      max-width:1180px;
      margin:0 auto;
      padding:0 24px 56px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .lhr-page p{
      margin:0 0 18px;
    }

    .lhr-page h2{
      margin:0 0 18px;
      color:#0b1f3a;
      font-size:34px;
      line-height:1.14;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .lhr-page h3{
      margin:0 0 12px;
      color:#0b1f3a;
      font-size:23px;
      line-height:1.22;
      font-weight:850;
    }

    .lhr-page h4{
      margin:0 0 8px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .lhr-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .lhr-author{
      margin:18px 0 30px;
      border-radius:22px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
    }

    .lhr-author-top{
      display:grid;
      grid-template-columns:minmax(0,1fr) auto;
      gap:18px;
      align-items:flex-start;
      padding:18px 20px;
      background:linear-gradient(135deg,#fff7ed 0%,#f8fafc 48%,#eef6ff 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .lhr-badge{
      display:inline-flex;
      margin:0 0 9px;
      padding:6px 11px;
      border-radius:999px;
      background:#0b1f3a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .lhr-author-name{
      display:flex;
      align-items:center;
      gap:12px;
      margin:0 0 4px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .lhr-author-name img{
      width:52px;
      height:52px;
      border-radius:999px;
      object-fit:cover;
      flex:0 0 52px;
      border:2px solid #fff;
      box-shadow:0 8px 20px rgba(15,23,42,.12);
    }

    .lhr-author-role{
      margin:0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
      padding-left:64px;
    }

    .lhr-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
      padding-top:4px;
    }

    .lhr-author-body{
      padding:16px 20px 18px;
      background:#fff;
    }

    .lhr-author details{
      margin:0;
    }

    .lhr-author summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:7px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .lhr-author summary::-webkit-details-marker{
      display:none;
    }

    .lhr-author summary::marker{
      content:"";
    }

    .lhr-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .lhr-author details[open] .lhr-caret{
      transform:rotate(180deg);
    }

    .lhr-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:820px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .lhr-author-panel p{
      margin:0 0 10px!important;
    }

    .lhr-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .lhr-intro{
      display:grid;
      grid-template-columns:minmax(0,.9fr) minmax(340px,1.1fr);
      gap:28px;
      align-items:stretch;
      margin:0 0 38px;
    }

    .lhr-image-card{
      border-radius:30px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 18px 42px rgba(15,23,42,.075);
    }

    .lhr-image-card figure{
      margin:0;
    }

    .lhr-image-card img{
      display:block;
      width:100%;
      height:auto;
    }

    .lhr-image-card figcaption{
      margin:0;
      padding:13px 15px;
      color:#475569;
      background:#f8fafc;
      font-size:13px;
      line-height:1.45;
    }

    .lhr-intro-copy{
      position:relative;
      padding:30px;
      border-radius:30px;
      background:
        radial-gradient(circle at 90% 12%,rgba(255,122,26,.22),transparent 32%),
        linear-gradient(135deg,#0b1f3a 0%,#12335f 58%,#0b67ae 100%);
      color:#fff;
      box-shadow:0 18px 44px rgba(8,32,68,.22);
      overflow:hidden;
    }

    .lhr-intro-copy:before{
      content:"";
      position:absolute;
      inset:auto -70px -90px auto;
      width:220px;
      height:220px;
      border-radius:999px;
      background:rgba(255,255,255,.08);
    }

    .lhr-eyebrow{
      display:inline-flex;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.15);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .lhr-intro-copy h2{
      color:#fff;
    }

    .lhr-intro-copy p{
      color:#eaf2ff;
    }

    .lhr-intro-copy a{
      color:#bfdbfe;
    }

    .lhr-lede{
      font-size:18px;
      line-height:1.72;
    }

    .lhr-snapshot{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
      margin:0 0 42px;
    }

    .lhr-mini{
      min-height:100%;
      padding:18px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 12px 30px rgba(15,23,42,.05);
    }

    .lhr-mini.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .lhr-mini.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .lhr-mini.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .lhr-mini.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .lhr-mini strong{
      display:block;
      margin:0 0 6px;
      color:#0b1f3a;
      font-size:19px;
      line-height:1.15;
      font-weight:950;
    }

    .lhr-mini span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.55;
    }

    .lhr-section{
      margin:44px 0;
    }

    .lhr-callout{
      margin:24px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .lhr-callout strong{
      color:#9a3412;
      font-weight:900;
    }

    .lhr-check-grid{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .lhr-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .lhr-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .lhr-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .lhr-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .lhr-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .lhr-card p:last-child{
      margin-bottom:0;
    }

    .lhr-list,
    .lhr-numbered{
      margin:0 0 20px;
      padding-left:22px;
    }

    .lhr-list li,
    .lhr-numbered li{
      margin:0 0 12px;
    }

    .lhr-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .lhr-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .lhr-table th,
    .lhr-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .lhr-table th{
      background:#0b1f3a;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .lhr-table td{
      background:#fff;
      color:#172033;
    }

    .lhr-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .lhr-table tr:last-child td{
      border-bottom:0;
    }

    .lhr-rail{
      margin:30px 0;
      display:grid;
      grid-template-columns:260px minmax(0,1fr);
      gap:22px;
      align-items:start;
    }

    .lhr-rail-side{
      position:sticky;
      top:20px;
      padding:22px;
      border-radius:24px;
      background:linear-gradient(135deg,#0b1f3a,#13213f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.2);
    }

    .lhr-rail-side h3{
      color:#fff;
    }

    .lhr-rail-side p{
      color:#e2e8f0;
      font-size:15px;
    }

    .lhr-steps{
      display:grid;
      gap:14px;
    }

    .lhr-step{
      display:grid;
      grid-template-columns:44px minmax(0,1fr);
      gap:14px;
      padding:18px;
      border-radius:20px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .lhr-step-num{
      width:44px;
      height:44px;
      display:flex;
      align-items:center;
      justify-content:center;
      border-radius:14px;
      background:#fff7ed;
      color:#9a3412;
      font-weight:950;
    }

    .lhr-step h4{
      margin-top:1px;
    }

    .lhr-step p{
      margin-bottom:0;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .lhr-band{
      margin:44px 0;
      padding:28px;
      border-radius:30px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 100%);
      border:1px solid #dbeafe;
      box-shadow:0 18px 42px rgba(15,23,42,.065);
    }

    .lhr-band-grid{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin-top:22px;
    }

    .lhr-quote{
      margin:0;
      padding:20px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.05);
    }

    .lhr-quote blockquote{
      margin:0;
      color:#334155;
      font-size:15px;
      line-height:1.65;
    }

    .lhr-quote figcaption{
      margin-top:10px;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
    }

    .lhr-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .lhr-faq summary{
      cursor:pointer;
      color:#0b1f3a;
      font-weight:850;
      list-style:none;
    }

    .lhr-faq summary::-webkit-details-marker{
      display:none;
    }

    .lhr-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .lhr-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .lhr-cta{
      margin:44px auto 12px;
      max-width:880px;
      padding:26px;
      border-radius:26px;
      background:
        radial-gradient(circle at top right,rgba(255,122,26,.25),transparent 30%),
        linear-gradient(135deg,#111827 0%,#0b1f3a 100%);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.24);
      text-align:center;
    }

    .lhr-cta-title{
      display:block;
      margin:0 0 8px;
      color:#fff!important;
      font-size:30px;
      line-height:1.12;
      font-weight:950;
      letter-spacing:-.02em;
    }

    .lhr-cta-text{
      display:block;
      margin:0 0 16px;
      color:#e2e8f0!important;
      font-size:15px;
      line-height:1.55;
    }

    .lhr-cta-form{
      display:flex;
      justify-content:center;
      align-items:center;
      flex-wrap:wrap;
      gap:10px;
      margin:0;
      padding:0;
    }

    .lhr-cta-input{
      width:185px;
      height:46px;
      border:0;
      border-radius:12px;
      background:#f8fafc;
      color:#0f172a;
      padding:0 13px;
      font-size:15px;
      outline:none;
    }

    .lhr-cta-btn{
      height:46px;
      border:0;
      border-radius:12px;
      background:#ff7a1a;
      color:#fff!important;
      font-size:15px;
      font-weight:850;
      padding:0 20px;
      cursor:pointer;
      -webkit-text-fill-color:#fff;
    }

    .lhr-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .lhr-refs h3{
      margin:0 0 12px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .lhr-refs ol{
      margin:0;
      padding-left:20px;
    }

    .lhr-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .lhr-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .lhr-author-top,
      .lhr-intro,
      .lhr-snapshot,
      .lhr-check-grid,
      .lhr-rail,
      .lhr-band-grid{
        grid-template-columns:1fr;
      }

      .lhr-rail-side{
        position:relative;
        top:auto;
      }

      .lhr-author-date{
        text-align:left;
        white-space:normal;
        padding-top:0;
      }

      .lhr-author-role{
        padding-left:0;
      }
    }

    @media(max-width:640px){
      .lhr-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .lhr-page h2{
        font-size:28px;
      }

      .lhr-intro-copy,
      .lhr-band,
      .lhr-cta{
        padding:22px;
      }

      .lhr-step{
        grid-template-columns:1fr;
      }
    }
    
    /* ====================================================================
    https://loyainsurance.org/teen-car-insurance-policy-factors-to-consider/
    ======================================================================= */
    .tci-page,
    .tci-page *{
      box-sizing:border-box;
    }

    .tci-page{
      max-width:1180px;
      margin:0 auto;
      padding:0 24px 56px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .tci-page p{
      margin:0 0 18px;
    }

    .tci-page h2{
      margin:0 0 18px;
      color:#0b1f3a;
      font-size:34px;
      line-height:1.14;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .tci-page h3{
      margin:0 0 12px;
      color:#0b1f3a;
      font-size:23px;
      line-height:1.22;
      font-weight:850;
    }

    .tci-page h4{
      margin:0 0 8px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .tci-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .tci-author{
      margin:18px 0 30px;
      border-radius:22px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
    }

    .tci-author-top{
      display:grid;
      grid-template-columns:minmax(0,1fr) auto;
      gap:18px;
      align-items:flex-start;
      padding:18px 20px;
      background:linear-gradient(135deg,#eef6ff 0%,#f8fafc 52%,#fff7ed 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .tci-badge{
      display:inline-flex;
      margin:0 0 9px;
      padding:6px 11px;
      border-radius:999px;
      background:#0b1f3a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .tci-author-name{
      display:flex;
      align-items:center;
      gap:12px;
      margin:0 0 4px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .tci-author-name img{
      width:52px;
      height:52px;
      border-radius:999px;
      object-fit:cover;
      flex:0 0 52px;
      border:2px solid #fff;
      box-shadow:0 8px 20px rgba(15,23,42,.12);
    }

    .tci-author-role{
      margin:0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
      padding-left:64px;
    }

    .tci-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
      padding-top:4px;
    }

    .tci-author-body{
      padding:16px 20px 18px;
      background:#fff;
    }

    .tci-author details{
      margin:0;
    }

    .tci-author summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:7px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .tci-author summary::-webkit-details-marker{
      display:none;
    }

    .tci-author summary::marker{
      content:"";
    }

    .tci-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .tci-author details[open] .tci-caret{
      transform:rotate(180deg);
    }

    .tci-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:820px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .tci-author-panel p{
      margin:0 0 10px!important;
    }

    .tci-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .tci-hero{
      display:grid;
      grid-template-columns:minmax(0,1.05fr) minmax(330px,.95fr);
      gap:28px;
      align-items:stretch;
      margin:0 0 36px;
    }

    .tci-hero-copy{
      padding:32px;
      border-radius:30px;
      background:
        radial-gradient(circle at top right,rgba(255,122,26,.24),transparent 34%),
        linear-gradient(135deg,#0b1f3a 0%,#12335f 58%,#0b67ae 100%);
      color:#fff;
      box-shadow:0 18px 44px rgba(8,32,68,.22);
    }

    .tci-eyebrow{
      display:inline-flex;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.15);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .tci-hero-copy h2{
      color:#fff;
    }

    .tci-hero-copy p{
      color:#eaf2ff;
    }

    .tci-hero-copy a{
      color:#bfdbfe;
    }

    .tci-lede{
      font-size:18px;
      line-height:1.72;
    }

    .tci-hero-media{
      border-radius:30px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 18px 42px rgba(15,23,42,.075);
    }

    .tci-hero-media figure{
      margin:0;
    }

    .tci-hero-media img{
      display:block;
      width:100%;
      height:auto;
    }

    .tci-hero-media figcaption{
      margin:0;
      padding:13px 15px;
      color:#475569;
      background:#f8fafc;
      font-size:13px;
      line-height:1.45;
    }

    .tci-alert{
      margin:0 0 36px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .tci-alert strong{
      color:#9a3412;
      font-weight:900;
    }

    .tci-metrics{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:16px;
      margin:0 0 42px;
    }

    .tci-metric{
      padding:20px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 12px 30px rgba(15,23,42,.05);
    }

    .tci-metric.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .tci-metric.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .tci-metric.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .tci-metric strong{
      display:block;
      margin:0 0 6px;
      color:#0b1f3a;
      font-size:20px;
      line-height:1.15;
      font-weight:950;
    }

    .tci-metric span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.55;
    }

    .tci-section{
      margin:44px 0;
    }

    .tci-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:22px;
      margin:24px 0 0;
    }

    .tci-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .tci-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .tci-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .tci-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .tci-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .tci-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .tci-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .tci-card p:last-child{
      margin-bottom:0;
    }

    .tci-list,
    .tci-numbered{
      margin:0 0 20px;
      padding-left:22px;
    }

    .tci-list li,
    .tci-numbered li{
      margin:0 0 12px;
    }

    .tci-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .tci-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .tci-table th,
    .tci-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .tci-table th{
      background:#0b1f3a;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .tci-table td{
      background:#fff;
      color:#172033;
    }

    .tci-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .tci-table tr:last-child td{
      border-bottom:0;
    }

    .tci-timeline{
      margin:28px 0;
      display:grid;
      gap:16px;
    }

    .tci-step{
      display:grid;
      grid-template-columns:54px minmax(0,1fr);
      gap:16px;
      padding:18px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .tci-step-num{
      width:54px;
      height:54px;
      display:flex;
      align-items:center;
      justify-content:center;
      border-radius:18px;
      background:#eef6ff;
      color:#0b67ae;
      font-size:20px;
      font-weight:950;
    }

    .tci-step p{
      margin-bottom:0;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .tci-split{
      display:grid;
      grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);
      gap:0;
      margin:44px 0;
      border-radius:30px;
      overflow:hidden;
      border:1px solid #dbeafe;
      background:#fff;
      box-shadow:0 18px 42px rgba(15,23,42,.075);
    }

    .tci-split-side{
      padding:30px;
      background:linear-gradient(135deg,#0b1f3a,#13213f);
      color:#fff;
    }

    .tci-split-side h2,
    .tci-split-side h3{
      color:#fff;
    }

    .tci-split-side p,
    .tci-split-side li{
      color:#e2e8f0;
    }

    .tci-split-side a{
      color:#bfdbfe;
    }

    .tci-split-main{
      padding:30px;
      background:linear-gradient(135deg,#f8fafc,#fff);
    }

    .tci-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .tci-faq summary{
      cursor:pointer;
      color:#0b1f3a;
      font-weight:850;
      list-style:none;
    }

    .tci-faq summary::-webkit-details-marker{
      display:none;
    }

    .tci-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .tci-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .tci-cta{
      margin:44px auto 12px;
      max-width:880px;
      padding:26px;
      border-radius:26px;
      background:
        radial-gradient(circle at top left,rgba(255,122,26,.25),transparent 30%),
        linear-gradient(135deg,#111827 0%,#0b1f3a 100%);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.24);
      text-align:center;
    }

    .tci-cta-title{
      display:block;
      margin:0 0 8px;
      color:#fff!important;
      font-size:30px;
      line-height:1.12;
      font-weight:950;
      letter-spacing:-.02em;
    }

    .tci-cta-text{
      display:block;
      margin:0 0 16px;
      color:#e2e8f0!important;
      font-size:15px;
      line-height:1.55;
    }

    .tci-cta-form{
      display:flex;
      justify-content:center;
      align-items:center;
      flex-wrap:wrap;
      gap:10px;
      margin:0;
      padding:0;
    }

    .tci-cta-input{
      width:185px;
      height:46px;
      border:0;
      border-radius:12px;
      background:#f8fafc;
      color:#0f172a;
      padding:0 13px;
      font-size:15px;
      outline:none;
    }

    .tci-cta-btn{
      height:46px;
      border:0;
      border-radius:12px;
      background:#ff7a1a;
      color:#fff!important;
      font-size:15px;
      font-weight:850;
      padding:0 20px;
      cursor:pointer;
      -webkit-text-fill-color:#fff;
    }

    .tci-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .tci-refs h3{
      margin:0 0 12px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .tci-refs ol{
      margin:0;
      padding-left:20px;
    }

    .tci-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .tci-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .tci-author-top,
      .tci-hero,
      .tci-metrics,
      .tci-grid-2,
      .tci-grid-3,
      .tci-split{
        grid-template-columns:1fr;
      }

      .tci-author-date{
        text-align:left;
        white-space:normal;
        padding-top:0;
      }

      .tci-author-role{
        padding-left:0;
      }
    }

    @media(max-width:640px){
      .tci-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .tci-page h2{
        font-size:28px;
      }

      .tci-hero-copy,
      .tci-split-side,
      .tci-split-main,
      .tci-cta{
        padding:22px;
      }

      .tci-step{
        grid-template-columns:1fr;
      }
    }
    
    /* =================================================================
    https://loyainsurance.org/top-no-deposit-car-insurance-plans/
    ============================================================== */
    .ndp-page,
    .ndp-page *{
      box-sizing:border-box;
    }

    .ndp-page{
      max-width:1180px;
      margin:0 auto;
      padding:0 24px 56px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .ndp-page p{
      margin:0 0 18px;
    }

    .ndp-page h2{
      margin:0 0 18px;
      color:#0b1f3a;
      font-size:34px;
      line-height:1.14;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .ndp-page h3{
      margin:0 0 12px;
      color:#0b1f3a;
      font-size:23px;
      line-height:1.22;
      font-weight:850;
    }

    .ndp-page h4{
      margin:0 0 8px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .ndp-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .ndp-author{
      margin:18px 0 30px;
      border-radius:22px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
    }

    .ndp-author-top{
      display:grid;
      grid-template-columns:minmax(0,1fr) auto;
      gap:18px;
      align-items:flex-start;
      padding:18px 20px;
      background:linear-gradient(135deg,#fff7ed 0%,#f8fafc 50%,#eef6ff 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .ndp-badge{
      display:inline-flex;
      margin:0 0 9px;
      padding:6px 11px;
      border-radius:999px;
      background:#0b1f3a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .ndp-author-name{
      display:flex;
      align-items:center;
      gap:12px;
      margin:0 0 4px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .ndp-author-name img{
      width:52px;
      height:52px;
      border-radius:999px;
      object-fit:cover;
      flex:0 0 52px;
      border:2px solid #fff;
      box-shadow:0 8px 20px rgba(15,23,42,.12);
    }

    .ndp-author-role{
      margin:0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
      padding-left:64px;
    }

    .ndp-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
      padding-top:4px;
    }

    .ndp-author-body{
      padding:16px 20px 18px;
      background:#fff;
    }

    .ndp-author details{
      margin:0;
    }

    .ndp-author summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:7px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .ndp-author summary::-webkit-details-marker{
      display:none;
    }

    .ndp-author summary::marker{
      content:"";
    }

    .ndp-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .ndp-author details[open] .ndp-caret{
      transform:rotate(180deg);
    }

    .ndp-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:820px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .ndp-author-panel p{
      margin:0 0 10px!important;
    }

    .ndp-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .ndp-hero{
      display:grid;
      grid-template-columns:minmax(0,.98fr) minmax(340px,1.02fr);
      gap:28px;
      align-items:stretch;
      margin:0 0 38px;
    }

    .ndp-hero-panel{
      padding:32px;
      border-radius:30px;
      background:
        radial-gradient(circle at 18% 18%,rgba(255,122,26,.25),transparent 34%),
        linear-gradient(135deg,#0b1f3a 0%,#12335f 56%,#0b67ae 100%);
      color:#fff;
      box-shadow:0 18px 44px rgba(8,32,68,.22);
    }

    .ndp-eyebrow{
      display:inline-flex;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.15);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .ndp-hero-panel h2{
      color:#fff;
    }

    .ndp-hero-panel p{
      color:#eaf2ff;
    }

    .ndp-hero-panel a{
      color:#bfdbfe;
    }

    .ndp-lede{
      font-size:18px;
      line-height:1.72;
    }

    .ndp-visual{
      display:flex;
      flex-direction:column;
      border-radius:30px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 18px 42px rgba(15,23,42,.075);
    }

    .ndp-visual-header{
      padding:22px 24px;
      background:linear-gradient(135deg,#f8fafc,#fff7ed);
      border-bottom:1px solid #e2e8f0;
    }

    .ndp-visual-header strong{
      display:block;
      margin:0 0 8px;
      color:#0b1f3a;
      font-size:28px;
      line-height:1.08;
      font-weight:950;
      letter-spacing:-.03em;
    }

    .ndp-visual-header span{
      display:block;
      color:#475569;
      font-size:15px;
      line-height:1.55;
    }

    .ndp-visual figure{
      margin:0;
    }

    .ndp-visual img{
      display:block;
      width:100%;
      height:auto;
    }

    .ndp-visual figcaption{
      margin:0;
      padding:13px 15px;
      color:#475569;
      background:#f8fafc;
      font-size:13px;
      line-height:1.45;
      border-top:1px solid #e2e8f0;
    }

    .ndp-warning{
      margin:0 0 36px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .ndp-warning strong{
      color:#9a3412;
      font-weight:900;
    }

    .ndp-mini-row{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
      margin:0 0 42px;
    }

    .ndp-mini{
      padding:18px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 12px 30px rgba(15,23,42,.05);
    }

    .ndp-mini.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .ndp-mini.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .ndp-mini.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .ndp-mini.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .ndp-mini strong{
      display:block;
      margin:0 0 6px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.15;
      font-weight:950;
    }

    .ndp-mini span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.55;
    }

    .ndp-section{
      margin:44px 0;
    }

    .ndp-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:22px;
      margin:24px 0 0;
    }

    .ndp-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .ndp-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .ndp-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .ndp-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .ndp-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .ndp-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .ndp-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .ndp-card p:last-child{
      margin-bottom:0;
    }

    .ndp-list,
    .ndp-numbered{
      margin:0 0 20px;
      padding-left:22px;
    }

    .ndp-list li,
    .ndp-numbered li{
      margin:0 0 12px;
    }

    .ndp-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .ndp-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .ndp-table th,
    .ndp-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .ndp-table th{
      background:#0b1f3a;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .ndp-table td{
      background:#fff;
      color:#172033;
    }

    .ndp-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .ndp-table tr:last-child td{
      border-bottom:0;
    }

    .ndp-checklist{
      display:grid;
      grid-template-columns:minmax(0,1fr) 300px;
      gap:24px;
      margin:44px 0;
      align-items:start;
    }

    .ndp-checklist-main{
      padding:28px;
      border-radius:30px;
      border:1px solid #dbeafe;
      background:linear-gradient(135deg,#f8fafc,#fff);
      box-shadow:0 18px 42px rgba(15,23,42,.06);
    }

    .ndp-checklist-side{
      padding:24px;
      border-radius:26px;
      background:linear-gradient(135deg,#0b1f3a,#13213f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.22);
    }

    .ndp-checklist-side h3{
      color:#fff;
    }

    .ndp-checklist-side p,
    .ndp-checklist-side li{
      color:#e2e8f0;
      font-size:15px;
    }

    .ndp-checklist-side a{
      color:#bfdbfe;
    }

    .ndp-process{
      margin:28px 0;
      display:grid;
      gap:14px;
    }

    .ndp-step{
      display:grid;
      grid-template-columns:50px minmax(0,1fr);
      gap:15px;
      padding:18px;
      border-radius:20px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .ndp-step-num{
      width:50px;
      height:50px;
      display:flex;
      align-items:center;
      justify-content:center;
      border-radius:17px;
      background:#fff7ed;
      color:#9a3412;
      font-weight:950;
      font-size:20px;
    }

    .ndp-step p{
      margin-bottom:0;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .ndp-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .ndp-faq summary{
      cursor:pointer;
      color:#0b1f3a;
      font-weight:850;
      list-style:none;
    }

    .ndp-faq summary::-webkit-details-marker{
      display:none;
    }

    .ndp-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .ndp-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .ndp-cta{
      margin:44px auto 12px;
      max-width:880px;
      padding:26px;
      border-radius:26px;
      background:
        radial-gradient(circle at top right,rgba(255,122,26,.25),transparent 30%),
        linear-gradient(135deg,#111827 0%,#0b1f3a 100%);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.24);
      text-align:center;
    }

    .ndp-cta-title{
      display:block;
      margin:0 0 8px;
      color:#fff!important;
      font-size:30px;
      line-height:1.12;
      font-weight:950;
      letter-spacing:-.02em;
    }

    .ndp-cta-text{
      display:block;
      margin:0 0 16px;
      color:#e2e8f0!important;
      font-size:15px;
      line-height:1.55;
    }

    .ndp-cta-form{
      display:flex;
      justify-content:center;
      align-items:center;
      flex-wrap:wrap;
      gap:10px;
      margin:0;
      padding:0;
    }

    .ndp-cta-input{
      width:185px;
      height:46px;
      border:0;
      border-radius:12px;
      background:#f8fafc;
      color:#0f172a;
      padding:0 13px;
      font-size:15px;
      outline:none;
    }

    .ndp-cta-btn{
      height:46px;
      border:0;
      border-radius:12px;
      background:#ff7a1a;
      color:#fff!important;
      font-size:15px;
      font-weight:850;
      padding:0 20px;
      cursor:pointer;
      -webkit-text-fill-color:#fff;
    }

    .ndp-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .ndp-refs h3{
      margin:0 0 12px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .ndp-refs ol{
      margin:0;
      padding-left:20px;
    }

    .ndp-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .ndp-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .ndp-author-top,
      .ndp-hero,
      .ndp-mini-row,
      .ndp-grid-2,
      .ndp-grid-3,
      .ndp-checklist{
        grid-template-columns:1fr;
      }

      .ndp-author-date{
        text-align:left;
        white-space:normal;
        padding-top:0;
      }

      .ndp-author-role{
        padding-left:0;
      }
    }

    @media(max-width:640px){
      .ndp-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .ndp-page h2{
        font-size:28px;
      }

      .ndp-hero-panel,
      .ndp-checklist-main,
      .ndp-checklist-side,
      .ndp-cta{
        padding:22px;
      }

      .ndp-visual-header strong{
        font-size:24px;
      }

      .ndp-step{
        grid-template-columns:1fr;
      }
    }
    
    /* ================================================================
    https://loyainsurance.org/affordable-high-risk-auto-insurance-fred-loya/
    ======================================================================= */
    .flhr-page,
    .flhr-page *{
      box-sizing:border-box;
    }

    .flhr-page{
      max-width:1180px;
      margin:0 auto;
      padding:0 24px 56px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .flhr-page p{
      margin:0 0 18px;
    }

    .flhr-page h2{
      margin:0 0 18px;
      color:#0b1f3a;
      font-size:34px;
      line-height:1.14;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .flhr-page h3{
      margin:0 0 12px;
      color:#0b1f3a;
      font-size:23px;
      line-height:1.22;
      font-weight:850;
    }

    .flhr-page h4{
      margin:0 0 8px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .flhr-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .flhr-author{
      margin:18px 0 30px;
      border-radius:22px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
    }

    .flhr-author-top{
      display:grid;
      grid-template-columns:minmax(0,1fr) auto;
      gap:18px;
      align-items:flex-start;
      padding:18px 20px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 52%,#fff7ed 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .flhr-badge{
      display:inline-flex;
      margin:0 0 9px;
      padding:6px 11px;
      border-radius:999px;
      background:#0b1f3a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .flhr-author-name{
      display:flex;
      align-items:center;
      gap:12px;
      margin:0 0 4px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .flhr-author-name img{
      width:52px;
      height:52px;
      border-radius:999px;
      object-fit:cover;
      flex:0 0 52px;
      border:2px solid #fff;
      box-shadow:0 8px 20px rgba(15,23,42,.12);
    }

    .flhr-author-role{
      margin:0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
      padding-left:64px;
    }

    .flhr-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
      padding-top:4px;
    }

    .flhr-author-body{
      padding:16px 20px 18px;
      background:#fff;
    }

    .flhr-author details{
      margin:0;
    }

    .flhr-author summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:7px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .flhr-author summary::-webkit-details-marker{
      display:none;
    }

    .flhr-author summary::marker{
      content:"";
    }

    .flhr-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .flhr-author details[open] .flhr-caret{
      transform:rotate(180deg);
    }

    .flhr-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:820px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .flhr-author-panel p{
      margin:0 0 10px!important;
    }

    .flhr-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .flhr-hero{
      display:grid;
      grid-template-columns:minmax(0,1.08fr) minmax(320px,.92fr);
      gap:28px;
      align-items:stretch;
      margin:0 0 38px;
    }

    .flhr-hero-copy{
      padding:32px;
      border-radius:30px;
      background:
        radial-gradient(circle at top right,rgba(255,122,26,.24),transparent 34%),
        linear-gradient(135deg,#0b1f3a 0%,#12335f 58%,#0b67ae 100%);
      color:#fff;
      box-shadow:0 18px 44px rgba(8,32,68,.22);
    }

    .flhr-eyebrow{
      display:inline-flex;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.15);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .flhr-hero-copy h2{
      color:#fff;
    }

    .flhr-hero-copy p{
      color:#eaf2ff;
    }

    .flhr-hero-copy a{
      color:#bfdbfe;
    }

    .flhr-lede{
      font-size:18px;
      line-height:1.72;
    }

    .flhr-visual{
      display:flex;
      flex-direction:column;
      border-radius:30px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 18px 42px rgba(15,23,42,.075);
    }

    .flhr-visual-top{
      padding:22px 24px;
      background:linear-gradient(135deg,#f8fafc,#fff7ed);
      border-bottom:1px solid #e2e8f0;
    }

    .flhr-visual-top strong{
      display:block;
      margin:0 0 8px;
      color:#0b1f3a;
      font-size:27px;
      line-height:1.08;
      font-weight:950;
      letter-spacing:-.03em;
    }

    .flhr-visual-top span{
      display:block;
      color:#475569;
      font-size:15px;
      line-height:1.55;
    }

    .flhr-visual figure{
      margin:0;
    }

    .flhr-visual img{
      display:block;
      width:100%;
      height:auto;
    }

    .flhr-visual figcaption{
      margin:0;
      padding:13px 15px;
      color:#475569;
      background:#f8fafc;
      font-size:13px;
      line-height:1.45;
      border-top:1px solid #e2e8f0;
    }

    .flhr-note{
      margin:0 0 36px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .flhr-note strong{
      color:#9a3412;
      font-weight:900;
    }

    .flhr-stats{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
      margin:0 0 42px;
    }

    .flhr-stat{
      padding:18px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 12px 30px rgba(15,23,42,.05);
    }

    .flhr-stat.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .flhr-stat.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .flhr-stat.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .flhr-stat.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .flhr-stat strong{
      display:block;
      margin:0 0 6px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.15;
      font-weight:950;
    }

    .flhr-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.55;
    }

    .flhr-section{
      margin:44px 0;
    }

    .flhr-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:22px;
      margin:24px 0 0;
    }

    .flhr-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .flhr-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .flhr-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .flhr-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .flhr-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .flhr-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .flhr-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .flhr-card p:last-child{
      margin-bottom:0;
    }

    .flhr-list,
    .flhr-numbered{
      margin:0 0 20px;
      padding-left:22px;
    }

    .flhr-list li,
    .flhr-numbered li{
      margin:0 0 12px;
    }

    .flhr-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .flhr-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .flhr-table th,
    .flhr-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .flhr-table th{
      background:#0b1f3a;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .flhr-table td{
      background:#fff;
      color:#172033;
    }

    .flhr-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .flhr-table tr:last-child td{
      border-bottom:0;
    }

    .flhr-roadmap{
      display:grid;
      grid-template-columns:310px minmax(0,1fr);
      gap:24px;
      margin:44px 0;
      align-items:start;
    }

    .flhr-roadmap-side{
      padding:24px;
      border-radius:26px;
      background:linear-gradient(135deg,#0b1f3a,#13213f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.22);
    }

    .flhr-roadmap-side h2,
    .flhr-roadmap-side h3{
      color:#fff;
    }

    .flhr-roadmap-side p,
    .flhr-roadmap-side li{
      color:#e2e8f0;
      font-size:15px;
    }

    .flhr-roadmap-side a{
      color:#bfdbfe;
    }

    .flhr-roadmap-main{
      display:grid;
      gap:14px;
    }

    .flhr-step{
      display:grid;
      grid-template-columns:50px minmax(0,1fr);
      gap:15px;
      padding:18px;
      border-radius:20px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .flhr-step-num{
      width:50px;
      height:50px;
      display:flex;
      align-items:center;
      justify-content:center;
      border-radius:17px;
      background:#eef6ff;
      color:#0b67ae;
      font-weight:950;
      font-size:20px;
    }

    .flhr-step p{
      margin-bottom:0;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .flhr-band{
      margin:44px 0;
      padding:28px;
      border-radius:30px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 100%);
      border:1px solid #dbeafe;
      box-shadow:0 18px 42px rgba(15,23,42,.065);
    }

    .flhr-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .flhr-faq summary{
      cursor:pointer;
      color:#0b1f3a;
      font-weight:850;
      list-style:none;
    }

    .flhr-faq summary::-webkit-details-marker{
      display:none;
    }

    .flhr-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .flhr-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .flhr-cta{
      margin:44px auto 12px;
      max-width:880px;
      padding:26px;
      border-radius:26px;
      background:
        radial-gradient(circle at top right,rgba(255,122,26,.25),transparent 30%),
        linear-gradient(135deg,#111827 0%,#0b1f3a 100%);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.24);
      text-align:center;
    }

    .flhr-cta-title{
      display:block;
      margin:0 0 8px;
      color:#fff!important;
      font-size:30px;
      line-height:1.12;
      font-weight:950;
      letter-spacing:-.02em;
    }

    .flhr-cta-text{
      display:block;
      margin:0 0 16px;
      color:#e2e8f0!important;
      font-size:15px;
      line-height:1.55;
    }

    .flhr-cta-form{
      display:flex;
      justify-content:center;
      align-items:center;
      flex-wrap:wrap;
      gap:10px;
      margin:0;
      padding:0;
    }

    .flhr-cta-input{
      width:185px;
      height:46px;
      border:0;
      border-radius:12px;
      background:#f8fafc;
      color:#0f172a;
      padding:0 13px;
      font-size:15px;
      outline:none;
    }

    .flhr-cta-btn{
      height:46px;
      border:0;
      border-radius:12px;
      background:#ff7a1a;
      color:#fff!important;
      font-size:15px;
      font-weight:850;
      padding:0 20px;
      cursor:pointer;
      -webkit-text-fill-color:#fff;
    }

    .flhr-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .flhr-refs h3{
      margin:0 0 12px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .flhr-refs ol{
      margin:0;
      padding-left:20px;
    }

    .flhr-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .flhr-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .flhr-author-top,
      .flhr-hero,
      .flhr-stats,
      .flhr-grid-2,
      .flhr-grid-3,
      .flhr-roadmap{
        grid-template-columns:1fr;
      }

      .flhr-author-date{
        text-align:left;
        white-space:normal;
        padding-top:0;
      }

      .flhr-author-role{
        padding-left:0;
      }
    }

    @media(max-width:640px){
      .flhr-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .flhr-page h2{
        font-size:28px;
      }

      .flhr-hero-copy,
      .flhr-band,
      .flhr-roadmap-side,
      .flhr-cta{
        padding:22px;
      }

      .flhr-visual-top strong{
        font-size:24px;
      }

      .flhr-step{
        grid-template-columns:1fr;
      }
    }
    
    /* ===================================================================
    https://loyainsurance.org/top-car-insurance-discounts-young-drivers/
    ===================================================================== */
    .tyd-page,
    .tyd-page *{
      box-sizing:border-box;
    }

    .tyd-page{
      max-width:1180px;
      margin:0 auto;
      padding:0 24px 56px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .tyd-page p{
      margin:0 0 18px;
    }

    .tyd-page h2{
      margin:0 0 18px;
      color:#0b1f3a;
      font-size:34px;
      line-height:1.14;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .tyd-page h3{
      margin:0 0 12px;
      color:#0b1f3a;
      font-size:23px;
      line-height:1.22;
      font-weight:850;
    }

    .tyd-page h4{
      margin:0 0 8px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .tyd-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .tyd-author{
      margin:18px 0 30px;
      border-radius:22px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
    }

    .tyd-author-top{
      display:grid;
      grid-template-columns:minmax(0,1fr) auto;
      gap:18px;
      align-items:flex-start;
      padding:18px 20px;
      background:linear-gradient(135deg,#eef6ff 0%,#f8fafc 52%,#fff7ed 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .tyd-badge{
      display:inline-flex;
      margin:0 0 9px;
      padding:6px 11px;
      border-radius:999px;
      background:#0b1f3a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .tyd-author-name{
      display:flex;
      align-items:center;
      gap:12px;
      margin:0 0 4px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .tyd-author-name img{
      width:52px;
      height:52px;
      border-radius:999px;
      object-fit:cover;
      flex:0 0 52px;
      border:2px solid #fff;
      box-shadow:0 8px 20px rgba(15,23,42,.12);
    }

    .tyd-author-role{
      margin:0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
      padding-left:64px;
    }

    .tyd-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
      padding-top:4px;
    }

    .tyd-author-body{
      padding:16px 20px 18px;
      background:#fff;
    }

    .tyd-author details{
      margin:0;
    }

    .tyd-author summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:7px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .tyd-author summary::-webkit-details-marker{
      display:none;
    }

    .tyd-author summary::marker{
      content:"";
    }

    .tyd-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .tyd-author details[open] .tyd-caret{
      transform:rotate(180deg);
    }

    .tyd-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:820px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .tyd-author-panel p{
      margin:0 0 10px!important;
    }

    .tyd-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .tyd-hero{
      display:grid;
      grid-template-columns:minmax(0,.92fr) minmax(340px,1.08fr);
      gap:28px;
      align-items:stretch;
      margin:0 0 38px;
    }

    .tyd-hero-copy{
      padding:32px;
      border-radius:30px;
      background:
        radial-gradient(circle at top left,rgba(255,122,26,.24),transparent 34%),
        linear-gradient(135deg,#0b1f3a 0%,#12335f 58%,#0b67ae 100%);
      color:#fff;
      box-shadow:0 18px 44px rgba(8,32,68,.22);
    }

    .tyd-eyebrow{
      display:inline-flex;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.15);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .tyd-hero-copy h2{
      color:#fff;
    }

    .tyd-hero-copy p{
      color:#eaf2ff;
    }

    .tyd-hero-copy a{
      color:#bfdbfe;
    }

    .tyd-lede{
      font-size:18px;
      line-height:1.72;
    }

    .tyd-visual{
      display:flex;
      flex-direction:column;
      border-radius:30px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 18px 42px rgba(15,23,42,.075);
    }

    .tyd-visual-top{
      padding:23px 24px;
      background:linear-gradient(135deg,#f8fafc,#fff7ed);
      border-bottom:1px solid #e2e8f0;
    }

    .tyd-visual-top strong{
      display:block;
      margin:0 0 8px;
      color:#0b1f3a;
      font-size:27px;
      line-height:1.08;
      font-weight:950;
      letter-spacing:-.03em;
    }

    .tyd-visual-top span{
      display:block;
      color:#475569;
      font-size:15px;
      line-height:1.55;
    }

    .tyd-visual figure{
      margin:0;
    }

    .tyd-visual img{
      display:block;
      width:100%;
      height:auto;
    }

    .tyd-visual figcaption{
      margin:0;
      padding:13px 15px;
      color:#475569;
      background:#f8fafc;
      font-size:13px;
      line-height:1.45;
      border-top:1px solid #e2e8f0;
    }

    .tyd-alert{
      margin:0 0 36px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .tyd-alert strong{
      color:#9a3412;
      font-weight:900;
    }

    .tyd-stat-row{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
      margin:0 0 42px;
    }

    .tyd-stat{
      padding:18px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 12px 30px rgba(15,23,42,.05);
    }

    .tyd-stat.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .tyd-stat.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .tyd-stat.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .tyd-stat.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .tyd-stat strong{
      display:block;
      margin:0 0 6px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.15;
      font-weight:950;
    }

    .tyd-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.55;
    }

    .tyd-section{
      margin:44px 0;
    }

    .tyd-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:22px;
      margin:24px 0 0;
    }

    .tyd-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .tyd-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .tyd-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .tyd-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .tyd-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .tyd-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .tyd-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .tyd-card p:last-child{
      margin-bottom:0;
    }

    .tyd-list,
    .tyd-numbered{
      margin:0 0 20px;
      padding-left:22px;
    }

    .tyd-list li,
    .tyd-numbered li{
      margin:0 0 12px;
    }

    .tyd-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .tyd-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .tyd-table th,
    .tyd-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .tyd-table th{
      background:#0b1f3a;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .tyd-table td{
      background:#fff;
      color:#172033;
    }

    .tyd-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .tyd-table tr:last-child td{
      border-bottom:0;
    }

    .tyd-savings-map{
      margin:44px 0;
      display:grid;
      grid-template-columns:310px minmax(0,1fr);
      gap:24px;
      align-items:start;
    }

    .tyd-map-side{
      padding:24px;
      border-radius:26px;
      background:linear-gradient(135deg,#0b1f3a,#13213f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.22);
    }

    .tyd-map-side h2,
    .tyd-map-side h3{
      color:#fff;
    }

    .tyd-map-side p,
    .tyd-map-side li{
      color:#e2e8f0;
      font-size:15px;
    }

    .tyd-map-side a{
      color:#bfdbfe;
    }

    .tyd-map-main{
      display:grid;
      gap:14px;
    }

    .tyd-step{
      display:grid;
      grid-template-columns:50px minmax(0,1fr);
      gap:15px;
      padding:18px;
      border-radius:20px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .tyd-step-num{
      width:50px;
      height:50px;
      display:flex;
      align-items:center;
      justify-content:center;
      border-radius:17px;
      background:#eef6ff;
      color:#0b67ae;
      font-weight:950;
      font-size:20px;
    }

    .tyd-step p{
      margin-bottom:0;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .tyd-band{
      margin:44px 0;
      padding:28px;
      border-radius:30px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 100%);
      border:1px solid #dbeafe;
      box-shadow:0 18px 42px rgba(15,23,42,.065);
    }

    .tyd-example-row{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:18px;
      margin-top:22px;
    }

    .tyd-example{
      margin:0;
      padding:20px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.05);
    }

    .tyd-example blockquote{
      margin:0;
      color:#334155;
      font-size:15px;
      line-height:1.65;
    }

    .tyd-example figcaption{
      margin-top:10px;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
    }

    .tyd-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .tyd-faq summary{
      cursor:pointer;
      color:#0b1f3a;
      font-weight:850;
      list-style:none;
    }

    .tyd-faq summary::-webkit-details-marker{
      display:none;
    }

    .tyd-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .tyd-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .tyd-cta{
      margin:44px auto 12px;
      max-width:880px;
      padding:26px;
      border-radius:26px;
      background:
        radial-gradient(circle at top right,rgba(255,122,26,.25),transparent 30%),
        linear-gradient(135deg,#111827 0%,#0b1f3a 100%);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.24);
      text-align:center;
    }

    .tyd-cta-title{
      display:block;
      margin:0 0 8px;
      color:#fff!important;
      font-size:30px;
      line-height:1.12;
      font-weight:950;
      letter-spacing:-.02em;
    }

    .tyd-cta-text{
      display:block;
      margin:0 0 16px;
      color:#e2e8f0!important;
      font-size:15px;
      line-height:1.55;
    }

    .tyd-cta-form{
      display:flex;
      justify-content:center;
      align-items:center;
      flex-wrap:wrap;
      gap:10px;
      margin:0;
      padding:0;
    }

    .tyd-cta-input{
      width:185px;
      height:46px;
      border:0;
      border-radius:12px;
      background:#f8fafc;
      color:#0f172a;
      padding:0 13px;
      font-size:15px;
      outline:none;
    }

    .tyd-cta-btn{
      height:46px;
      border:0;
      border-radius:12px;
      background:#ff7a1a;
      color:#fff!important;
      font-size:15px;
      font-weight:850;
      padding:0 20px;
      cursor:pointer;
      -webkit-text-fill-color:#fff;
    }

    .tyd-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .tyd-refs h3{
      margin:0 0 12px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .tyd-refs ol{
      margin:0;
      padding-left:20px;
    }

    .tyd-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .tyd-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .tyd-author-top,
      .tyd-hero,
      .tyd-stat-row,
      .tyd-grid-2,
      .tyd-grid-3,
      .tyd-savings-map,
      .tyd-example-row{
        grid-template-columns:1fr;
      }

      .tyd-author-date{
        text-align:left;
        white-space:normal;
        padding-top:0;
      }

      .tyd-author-role{
        padding-left:0;
      }
    }

    @media(max-width:640px){
      .tyd-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .tyd-page h2{
        font-size:28px;
      }

      .tyd-hero-copy,
      .tyd-band,
      .tyd-map-side,
      .tyd-cta{
        padding:22px;
      }

      .tyd-visual-top strong{
        font-size:24px;
      }

      .tyd-step{
        grid-template-columns:1fr;
      }
    }
    
    /* =================================================================
    https://loyainsurance.org/uninsured-motorist-coverage-costs/
    ============================================================= */
    .umc-page,
    .umc-page *{
      box-sizing:border-box;
    }

    .umc-page{
      max-width:1180px;
      margin:0 auto;
      padding:0 24px 56px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .umc-page p{
      margin:0 0 18px;
    }

    .umc-page h2{
      margin:0 0 18px;
      color:#0b1f3a;
      font-size:34px;
      line-height:1.14;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .umc-page h3{
      margin:0 0 12px;
      color:#0b1f3a;
      font-size:23px;
      line-height:1.22;
      font-weight:850;
    }

    .umc-page h4{
      margin:0 0 8px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .umc-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .umc-author{
      margin:18px 0 30px;
      border-radius:22px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
    }

    .umc-author-top{
      display:grid;
      grid-template-columns:minmax(0,1fr) auto;
      gap:18px;
      align-items:flex-start;
      padding:18px 20px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 52%,#fff7ed 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .umc-badge{
      display:inline-flex;
      margin:0 0 9px;
      padding:6px 11px;
      border-radius:999px;
      background:#0b1f3a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .umc-author-name{
      display:flex;
      align-items:center;
      gap:12px;
      margin:0 0 4px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .umc-author-name img{
      width:52px;
      height:52px;
      border-radius:999px;
      object-fit:cover;
      flex:0 0 52px;
      border:2px solid #fff;
      box-shadow:0 8px 20px rgba(15,23,42,.12);
    }

    .umc-author-role{
      margin:0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
      padding-left:64px;
    }

    .umc-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
      padding-top:4px;
    }

    .umc-author-body{
      padding:16px 20px 18px;
      background:#fff;
    }

    .umc-author details{
      margin:0;
    }

    .umc-author summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:7px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .umc-author summary::-webkit-details-marker{
      display:none;
    }

    .umc-author summary::marker{
      content:"";
    }

    .umc-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .umc-author details[open] .umc-caret{
      transform:rotate(180deg);
    }

    .umc-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:820px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .umc-author-panel p{
      margin:0 0 10px!important;
    }

    .umc-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .umc-hero{
      display:grid;
      grid-template-columns:minmax(0,1.08fr) minmax(330px,.92fr);
      gap:28px;
      align-items:stretch;
      margin:0 0 38px;
    }

    .umc-hero-copy{
      padding:32px;
      border-radius:30px;
      background:
        radial-gradient(circle at top right,rgba(255,122,26,.24),transparent 34%),
        linear-gradient(135deg,#0b1f3a 0%,#12335f 58%,#0b67ae 100%);
      color:#fff;
      box-shadow:0 18px 44px rgba(8,32,68,.22);
    }

    .umc-eyebrow{
      display:inline-flex;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.15);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .umc-hero-copy h2{
      color:#fff;
    }

    .umc-hero-copy p{
      color:#eaf2ff;
    }

    .umc-hero-copy a{
      color:#bfdbfe;
    }

    .umc-lede{
      font-size:18px;
      line-height:1.72;
    }

    .umc-visual{
      display:flex;
      flex-direction:column;
      border-radius:30px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 18px 42px rgba(15,23,42,.075);
    }

    .umc-visual-top{
      padding:23px 24px;
      background:linear-gradient(135deg,#f8fafc,#fff7ed);
      border-bottom:1px solid #e2e8f0;
    }

    .umc-visual-top strong{
      display:block;
      margin:0 0 8px;
      color:#0b1f3a;
      font-size:27px;
      line-height:1.08;
      font-weight:950;
      letter-spacing:-.03em;
    }

    .umc-visual-top span{
      display:block;
      color:#475569;
      font-size:15px;
      line-height:1.55;
    }

    .umc-visual figure{
      margin:0;
    }

    .umc-visual img{
      display:block;
      width:100%;
      height:auto;
    }

    .umc-visual figcaption{
      margin:0;
      padding:13px 15px;
      color:#475569;
      background:#f8fafc;
      font-size:13px;
      line-height:1.45;
      border-top:1px solid #e2e8f0;
    }

    .umc-note{
      margin:0 0 36px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .umc-note strong{
      color:#9a3412;
      font-weight:900;
    }

    .umc-stats{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
      margin:0 0 42px;
    }

    .umc-stat{
      padding:18px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 12px 30px rgba(15,23,42,.05);
    }

    .umc-stat.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .umc-stat.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .umc-stat.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .umc-stat.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .umc-stat strong{
      display:block;
      margin:0 0 6px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.15;
      font-weight:950;
    }

    .umc-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.55;
    }

    .umc-section{
      margin:44px 0;
    }

    .umc-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:22px;
      margin:24px 0 0;
    }

    .umc-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .umc-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .umc-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .umc-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .umc-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .umc-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .umc-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .umc-card p:last-child{
      margin-bottom:0;
    }

    .umc-list,
    .umc-numbered{
      margin:0 0 20px;
      padding-left:22px;
    }

    .umc-list li,
    .umc-numbered li{
      margin:0 0 12px;
    }

    .umc-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .umc-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .umc-table th,
    .umc-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .umc-table th{
      background:#0b1f3a;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .umc-table td{
      background:#fff;
      color:#172033;
    }

    .umc-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .umc-table tr:last-child td{
      border-bottom:0;
    }

    .umc-decision{
      margin:44px 0;
      display:grid;
      grid-template-columns:310px minmax(0,1fr);
      gap:24px;
      align-items:start;
    }

    .umc-decision-side{
      padding:24px;
      border-radius:26px;
      background:linear-gradient(135deg,#0b1f3a,#13213f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.22);
    }

    .umc-decision-side h2,
    .umc-decision-side h3{
      color:#fff;
    }

    .umc-decision-side p,
    .umc-decision-side li{
      color:#e2e8f0;
      font-size:15px;
    }

    .umc-decision-side a{
      color:#bfdbfe;
    }

    .umc-decision-main{
      display:grid;
      gap:14px;
    }

    .umc-step{
      display:grid;
      grid-template-columns:50px minmax(0,1fr);
      gap:15px;
      padding:18px;
      border-radius:20px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .umc-step-num{
      width:50px;
      height:50px;
      display:flex;
      align-items:center;
      justify-content:center;
      border-radius:17px;
      background:#eef6ff;
      color:#0b67ae;
      font-weight:950;
      font-size:20px;
    }

    .umc-step p{
      margin-bottom:0;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .umc-band{
      margin:44px 0;
      padding:28px;
      border-radius:30px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 100%);
      border:1px solid #dbeafe;
      box-shadow:0 18px 42px rgba(15,23,42,.065);
    }

    .umc-example-row{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:18px;
      margin-top:22px;
    }

    .umc-example{
      margin:0;
      padding:20px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.05);
    }

    .umc-example blockquote{
      margin:0;
      color:#334155;
      font-size:15px;
      line-height:1.65;
    }

    .umc-example figcaption{
      margin-top:10px;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
    }

    .umc-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .umc-faq summary{
      cursor:pointer;
      color:#0b1f3a;
      font-weight:850;
      list-style:none;
    }

    .umc-faq summary::-webkit-details-marker{
      display:none;
    }

    .umc-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .umc-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .umc-cta{
      margin:44px auto 12px;
      max-width:880px;
      padding:26px;
      border-radius:26px;
      background:
        radial-gradient(circle at top right,rgba(255,122,26,.25),transparent 30%),
        linear-gradient(135deg,#111827 0%,#0b1f3a 100%);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.24);
      text-align:center;
    }

    .umc-cta-title{
      display:block;
      margin:0 0 8px;
      color:#fff!important;
      font-size:30px;
      line-height:1.12;
      font-weight:950;
      letter-spacing:-.02em;
    }

    .umc-cta-text{
      display:block;
      margin:0 0 16px;
      color:#e2e8f0!important;
      font-size:15px;
      line-height:1.55;
    }

    .umc-cta-form{
      display:flex;
      justify-content:center;
      align-items:center;
      flex-wrap:wrap;
      gap:10px;
      margin:0;
      padding:0;
    }

    .umc-cta-input{
      width:185px;
      height:46px;
      border:0;
      border-radius:12px;
      background:#f8fafc;
      color:#0f172a;
      padding:0 13px;
      font-size:15px;
      outline:none;
    }

    .umc-cta-btn{
      height:46px;
      border:0;
      border-radius:12px;
      background:#ff7a1a;
      color:#fff!important;
      font-size:15px;
      font-weight:850;
      padding:0 20px;
      cursor:pointer;
      -webkit-text-fill-color:#fff;
    }

    .umc-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .umc-refs h3{
      margin:0 0 12px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .umc-refs ol{
      margin:0;
      padding-left:20px;
    }

    .umc-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .umc-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .umc-author-top,
      .umc-hero,
      .umc-stats,
      .umc-grid-2,
      .umc-grid-3,
      .umc-decision,
      .umc-example-row{
        grid-template-columns:1fr;
      }

      .umc-author-date{
        text-align:left;
        white-space:normal;
        padding-top:0;
      }

      .umc-author-role{
        padding-left:0;
      }
    }

    @media(max-width:640px){
      .umc-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .umc-page h2{
        font-size:28px;
      }

      .umc-hero-copy,
      .umc-band,
      .umc-decision-side,
      .umc-cta{
        padding:22px;
      }

      .umc-visual-top strong{
        font-size:24px;
      }

      .umc-step{
        grid-template-columns:1fr;
      }
    }
    
    /* ===================================================================
    https://loyainsurance.org/top-affordable-auto-insurance-providers/
    =================================================================== */
    .aip-page,
    .aip-page *{
      box-sizing:border-box;
    }

    .aip-page{
      max-width:1180px;
      margin:0 auto;
      padding:0 24px 56px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .aip-page p{
      margin:0 0 18px;
    }

    .aip-page h2{
      margin:0 0 18px;
      color:#0b1f3a;
      font-size:34px;
      line-height:1.14;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .aip-page h3{
      margin:0 0 12px;
      color:#0b1f3a;
      font-size:23px;
      line-height:1.22;
      font-weight:850;
    }

    .aip-page h4{
      margin:0 0 8px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .aip-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .aip-author{
      margin:18px 0 30px;
      border-radius:22px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
    }

    .aip-author-top{
      display:grid;
      grid-template-columns:minmax(0,1fr) auto;
      gap:18px;
      align-items:flex-start;
      padding:18px 20px;
      background:linear-gradient(135deg,#eef6ff 0%,#f8fafc 52%,#fff7ed 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .aip-badge{
      display:inline-flex;
      margin:0 0 9px;
      padding:6px 11px;
      border-radius:999px;
      background:#0b1f3a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .aip-author-name{
      display:flex;
      align-items:center;
      gap:12px;
      margin:0 0 4px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .aip-author-name img{
      width:52px;
      height:52px;
      border-radius:999px;
      object-fit:cover;
      flex:0 0 52px;
      border:2px solid #fff;
      box-shadow:0 8px 20px rgba(15,23,42,.12);
    }

    .aip-author-role{
      margin:0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
      padding-left:64px;
    }

    .aip-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
      padding-top:4px;
    }

    .aip-author-body{
      padding:16px 20px 18px;
      background:#fff;
    }

    .aip-author details{
      margin:0;
    }

    .aip-author summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:7px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .aip-author summary::-webkit-details-marker{
      display:none;
    }

    .aip-author summary::marker{
      content:"";
    }

    .aip-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .aip-author details[open] .aip-caret{
      transform:rotate(180deg);
    }

    .aip-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:820px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .aip-author-panel p{
      margin:0 0 10px!important;
    }

    .aip-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .aip-hero{
      display:grid;
      grid-template-columns:minmax(0,1.05fr) minmax(340px,.95fr);
      gap:28px;
      align-items:stretch;
      margin:0 0 38px;
    }

    .aip-hero-copy{
      padding:32px;
      border-radius:30px;
      background:
        radial-gradient(circle at top right,rgba(255,122,26,.24),transparent 34%),
        linear-gradient(135deg,#0b1f3a 0%,#12335f 58%,#0b67ae 100%);
      color:#fff;
      box-shadow:0 18px 44px rgba(8,32,68,.22);
    }

    .aip-eyebrow{
      display:inline-flex;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.15);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .aip-hero-copy h2{
      color:#fff;
    }

    .aip-hero-copy p{
      color:#eaf2ff;
    }

    .aip-hero-copy a{
      color:#bfdbfe;
    }

    .aip-lede{
      font-size:18px;
      line-height:1.72;
    }

    .aip-visual{
      display:flex;
      flex-direction:column;
      border-radius:30px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 18px 42px rgba(15,23,42,.075);
    }

    .aip-visual-top{
      padding:23px 24px;
      background:linear-gradient(135deg,#f8fafc,#fff7ed);
      border-bottom:1px solid #e2e8f0;
    }

    .aip-visual-top strong{
      display:block;
      margin:0 0 8px;
      color:#0b1f3a;
      font-size:27px;
      line-height:1.08;
      font-weight:950;
      letter-spacing:-.03em;
    }

    .aip-visual-top span{
      display:block;
      color:#475569;
      font-size:15px;
      line-height:1.55;
    }

    .aip-visual figure{
      margin:0;
    }

    .aip-visual img{
      display:block;
      width:100%;
      height:auto;
    }

    .aip-visual figcaption{
      margin:0;
      padding:13px 15px;
      color:#475569;
      background:#f8fafc;
      font-size:13px;
      line-height:1.45;
      border-top:1px solid #e2e8f0;
    }

    .aip-note{
      margin:0 0 36px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .aip-note strong{
      color:#9a3412;
      font-weight:900;
    }

    .aip-stats{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
      margin:0 0 42px;
    }

    .aip-stat{
      padding:18px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 12px 30px rgba(15,23,42,.05);
    }

    .aip-stat.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .aip-stat.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .aip-stat.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .aip-stat.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .aip-stat strong{
      display:block;
      margin:0 0 6px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.15;
      font-weight:950;
    }

    .aip-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.55;
    }

    .aip-section{
      margin:44px 0;
    }

    .aip-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:22px;
      margin:24px 0 0;
    }

    .aip-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .aip-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .aip-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .aip-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .aip-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .aip-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .aip-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .aip-card p:last-child{
      margin-bottom:0;
    }

    .aip-list,
    .aip-numbered{
      margin:0 0 20px;
      padding-left:22px;
    }

    .aip-list li,
    .aip-numbered li{
      margin:0 0 12px;
    }

    .aip-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .aip-table{
      width:100%;
      border-collapse:collapse;
      min-width:820px;
      background:#fff;
    }

    .aip-table th,
    .aip-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .aip-table th{
      background:#0b1f3a;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .aip-table td{
      background:#fff;
      color:#172033;
    }

    .aip-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .aip-table tr:last-child td{
      border-bottom:0;
    }

    .aip-path{
      margin:44px 0;
      display:grid;
      grid-template-columns:310px minmax(0,1fr);
      gap:24px;
      align-items:start;
    }

    .aip-path-side{
      padding:24px;
      border-radius:26px;
      background:linear-gradient(135deg,#0b1f3a,#13213f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.22);
    }

    .aip-path-side h2,
    .aip-path-side h3{
      color:#fff;
    }

    .aip-path-side p,
    .aip-path-side li{
      color:#e2e8f0;
      font-size:15px;
    }

    .aip-path-side a{
      color:#bfdbfe;
    }

    .aip-path-main{
      display:grid;
      gap:14px;
    }

    .aip-step{
      display:grid;
      grid-template-columns:50px minmax(0,1fr);
      gap:15px;
      padding:18px;
      border-radius:20px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .aip-step-num{
      width:50px;
      height:50px;
      display:flex;
      align-items:center;
      justify-content:center;
      border-radius:17px;
      background:#eef6ff;
      color:#0b67ae;
      font-weight:950;
      font-size:20px;
    }

    .aip-step p{
      margin-bottom:0;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .aip-band{
      margin:44px 0;
      padding:28px;
      border-radius:30px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 100%);
      border:1px solid #dbeafe;
      box-shadow:0 18px 42px rgba(15,23,42,.065);
    }

    .aip-example-row{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:18px;
      margin-top:22px;
    }

    .aip-example{
      margin:0;
      padding:20px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.05);
    }

    .aip-example blockquote{
      margin:0;
      color:#334155;
      font-size:15px;
      line-height:1.65;
    }

    .aip-example figcaption{
      margin-top:10px;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
    }

    .aip-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .aip-faq summary{
      cursor:pointer;
      color:#0b1f3a;
      font-weight:850;
      list-style:none;
    }

    .aip-faq summary::-webkit-details-marker{
      display:none;
    }

    .aip-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .aip-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .aip-cta{
      margin:44px auto 12px;
      max-width:880px;
      padding:26px;
      border-radius:26px;
      background:
        radial-gradient(circle at top right,rgba(255,122,26,.25),transparent 30%),
        linear-gradient(135deg,#111827 0%,#0b1f3a 100%);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.24);
      text-align:center;
    }

    .aip-cta-title{
      display:block;
      margin:0 0 8px;
      color:#fff!important;
      font-size:30px;
      line-height:1.12;
      font-weight:950;
      letter-spacing:-.02em;
    }

    .aip-cta-text{
      display:block;
      margin:0 0 16px;
      color:#e2e8f0!important;
      font-size:15px;
      line-height:1.55;
    }

    .aip-cta-form{
      display:flex;
      justify-content:center;
      align-items:center;
      flex-wrap:wrap;
      gap:10px;
      margin:0;
      padding:0;
    }

    .aip-cta-input{
      width:185px;
      height:46px;
      border:0;
      border-radius:12px;
      background:#f8fafc;
      color:#0f172a;
      padding:0 13px;
      font-size:15px;
      outline:none;
    }

    .aip-cta-btn{
      height:46px;
      border:0;
      border-radius:12px;
      background:#ff7a1a;
      color:#fff!important;
      font-size:15px;
      font-weight:850;
      padding:0 20px;
      cursor:pointer;
      -webkit-text-fill-color:#fff;
    }

    .aip-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .aip-refs h3{
      margin:0 0 12px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .aip-refs ol{
      margin:0;
      padding-left:20px;
    }

    .aip-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .aip-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .aip-author-top,
      .aip-hero,
      .aip-stats,
      .aip-grid-2,
      .aip-grid-3,
      .aip-path,
      .aip-example-row{
        grid-template-columns:1fr;
      }

      .aip-author-date{
        text-align:left;
        white-space:normal;
        padding-top:0;
      }

      .aip-author-role{
        padding-left:0;
      }
    }

    @media(max-width:640px){
      .aip-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .aip-page h2{
        font-size:28px;
      }

      .aip-hero-copy,
      .aip-band,
      .aip-path-side,
      .aip-cta{
        padding:22px;
      }

      .aip-visual-top strong{
        font-size:24px;
      }

      .aip-step{
        grid-template-columns:1fr;
      }
    }
    
    /* ==================================================================
    https://loyainsurance.org/compare-auto-liability-insurance-providers/
    ===================================================================== */
    .alip-page,
    .alip-page *{
      box-sizing:border-box;
    }

    .alip-page{
      max-width:1180px;
      margin:0 auto;
      padding:0 24px 56px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .alip-page p{
      margin:0 0 18px;
    }

    .alip-page h2{
      margin:0 0 18px;
      color:#0b1f3a;
      font-size:34px;
      line-height:1.14;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .alip-page h3{
      margin:0 0 12px;
      color:#0b1f3a;
      font-size:23px;
      line-height:1.22;
      font-weight:850;
    }

    .alip-page h4{
      margin:0 0 8px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .alip-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .alip-author{
      margin:18px 0 30px;
      border-radius:22px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
    }

    .alip-author-top{
      display:grid;
      grid-template-columns:minmax(0,1fr) auto;
      gap:18px;
      align-items:flex-start;
      padding:18px 20px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 52%,#fff7ed 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .alip-badge{
      display:inline-flex;
      margin:0 0 9px;
      padding:6px 11px;
      border-radius:999px;
      background:#0b1f3a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .alip-author-name{
      display:flex;
      align-items:center;
      gap:12px;
      margin:0 0 4px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .alip-author-name img{
      width:52px;
      height:52px;
      border-radius:999px;
      object-fit:cover;
      flex:0 0 52px;
      border:2px solid #fff;
      box-shadow:0 8px 20px rgba(15,23,42,.12);
    }

    .alip-author-role{
      margin:0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
      padding-left:64px;
    }

    .alip-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
      padding-top:4px;
    }

    .alip-author-body{
      padding:16px 20px 18px;
      background:#fff;
    }

    .alip-author details{
      margin:0;
    }

    .alip-author summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:7px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .alip-author summary::-webkit-details-marker{
      display:none;
    }

    .alip-author summary::marker{
      content:"";
    }

    .alip-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .alip-author details[open] .alip-caret{
      transform:rotate(180deg);
    }

    .alip-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:820px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .alip-author-panel p{
      margin:0 0 10px!important;
    }

    .alip-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .alip-hero{
      display:grid;
      grid-template-columns:minmax(0,1.02fr) minmax(340px,.98fr);
      gap:28px;
      align-items:stretch;
      margin:0 0 38px;
    }

    .alip-hero-copy{
      padding:32px;
      border-radius:30px;
      background:
        radial-gradient(circle at top right,rgba(255,122,26,.24),transparent 34%),
        linear-gradient(135deg,#0b1f3a 0%,#12335f 58%,#0b67ae 100%);
      color:#fff;
      box-shadow:0 18px 44px rgba(8,32,68,.22);
    }

    .alip-eyebrow{
      display:inline-flex;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.15);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .alip-hero-copy h2{
      color:#fff;
    }

    .alip-hero-copy p{
      color:#eaf2ff;
    }

    .alip-hero-copy a{
      color:#bfdbfe;
    }

    .alip-lede{
      font-size:18px;
      line-height:1.72;
    }

    .alip-visual{
      display:flex;
      flex-direction:column;
      border-radius:30px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 18px 42px rgba(15,23,42,.075);
    }

    .alip-visual-top{
      padding:23px 24px;
      background:linear-gradient(135deg,#f8fafc,#fff7ed);
      border-bottom:1px solid #e2e8f0;
    }

    .alip-visual-top strong{
      display:block;
      margin:0 0 8px;
      color:#0b1f3a;
      font-size:27px;
      line-height:1.08;
      font-weight:950;
      letter-spacing:-.03em;
    }

    .alip-visual-top span{
      display:block;
      color:#475569;
      font-size:15px;
      line-height:1.55;
    }

    .alip-visual figure{
      margin:0;
    }

    .alip-visual img{
      display:block;
      width:100%;
      height:auto;
    }

    .alip-visual figcaption{
      margin:0;
      padding:13px 15px;
      color:#475569;
      background:#f8fafc;
      font-size:13px;
      line-height:1.45;
      border-top:1px solid #e2e8f0;
    }

    .alip-note{
      margin:0 0 36px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .alip-note strong{
      color:#9a3412;
      font-weight:900;
    }

    .alip-stats{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
      margin:0 0 42px;
    }

    .alip-stat{
      padding:18px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 12px 30px rgba(15,23,42,.05);
    }

    .alip-stat.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .alip-stat.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .alip-stat.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .alip-stat.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .alip-stat strong{
      display:block;
      margin:0 0 6px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.15;
      font-weight:950;
    }

    .alip-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.55;
    }

    .alip-section{
      margin:44px 0;
    }

    .alip-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:22px;
      margin:24px 0 0;
    }

    .alip-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .alip-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .alip-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .alip-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .alip-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .alip-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .alip-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .alip-card p:last-child{
      margin-bottom:0;
    }

    .alip-list,
    .alip-numbered{
      margin:0 0 20px;
      padding-left:22px;
    }

    .alip-list li,
    .alip-numbered li{
      margin:0 0 12px;
    }

    .alip-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .alip-table{
      width:100%;
      border-collapse:collapse;
      min-width:800px;
      background:#fff;
    }

    .alip-table th,
    .alip-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .alip-table th{
      background:#0b1f3a;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .alip-table td{
      background:#fff;
      color:#172033;
    }

    .alip-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .alip-table tr:last-child td{
      border-bottom:0;
    }

    .alip-roadmap{
      margin:44px 0;
      display:grid;
      grid-template-columns:310px minmax(0,1fr);
      gap:24px;
      align-items:start;
    }

    .alip-roadmap-side{
      padding:24px;
      border-radius:26px;
      background:linear-gradient(135deg,#0b1f3a,#13213f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.22);
    }

    .alip-roadmap-side h2,
    .alip-roadmap-side h3{
      color:#fff;
    }

    .alip-roadmap-side p,
    .alip-roadmap-side li{
      color:#e2e8f0;
      font-size:15px;
    }

    .alip-roadmap-side a{
      color:#bfdbfe;
    }

    .alip-roadmap-main{
      display:grid;
      gap:14px;
    }

    .alip-step{
      display:grid;
      grid-template-columns:50px minmax(0,1fr);
      gap:15px;
      padding:18px;
      border-radius:20px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .alip-step-num{
      width:50px;
      height:50px;
      display:flex;
      align-items:center;
      justify-content:center;
      border-radius:17px;
      background:#eef6ff;
      color:#0b67ae;
      font-weight:950;
      font-size:20px;
    }

    .alip-step p{
      margin-bottom:0;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .alip-band{
      margin:44px 0;
      padding:28px;
      border-radius:30px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 100%);
      border:1px solid #dbeafe;
      box-shadow:0 18px 42px rgba(15,23,42,.065);
    }

    .alip-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .alip-faq summary{
      cursor:pointer;
      color:#0b1f3a;
      font-weight:850;
      list-style:none;
    }

    .alip-faq summary::-webkit-details-marker{
      display:none;
    }

    .alip-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .alip-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .alip-cta{
      margin:44px auto 12px;
      max-width:880px;
      padding:26px;
      border-radius:26px;
      background:
        radial-gradient(circle at top right,rgba(255,122,26,.25),transparent 30%),
        linear-gradient(135deg,#111827 0%,#0b1f3a 100%);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.24);
      text-align:center;
    }

    .alip-cta-title{
      display:block;
      margin:0 0 8px;
      color:#fff!important;
      font-size:30px;
      line-height:1.12;
      font-weight:950;
      letter-spacing:-.02em;
    }

    .alip-cta-text{
      display:block;
      margin:0 0 16px;
      color:#e2e8f0!important;
      font-size:15px;
      line-height:1.55;
    }

    .alip-cta-form{
      display:flex;
      justify-content:center;
      align-items:center;
      flex-wrap:wrap;
      gap:10px;
      margin:0;
      padding:0;
    }

    .alip-cta-input{
      width:185px;
      height:46px;
      border:0;
      border-radius:12px;
      background:#f8fafc;
      color:#0f172a;
      padding:0 13px;
      font-size:15px;
      outline:none;
    }

    .alip-cta-btn{
      height:46px;
      border:0;
      border-radius:12px;
      background:#ff7a1a;
      color:#fff!important;
      font-size:15px;
      font-weight:850;
      padding:0 20px;
      cursor:pointer;
      -webkit-text-fill-color:#fff;
    }

    .alip-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .alip-refs h3{
      margin:0 0 12px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .alip-refs ol{
      margin:0;
      padding-left:20px;
    }

    .alip-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .alip-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .alip-author-top,
      .alip-hero,
      .alip-stats,
      .alip-grid-2,
      .alip-grid-3,
      .alip-roadmap{
        grid-template-columns:1fr;
      }

      .alip-author-date{
        text-align:left;
        white-space:normal;
        padding-top:0;
      }

      .alip-author-role{
        padding-left:0;
      }
    }

    @media(max-width:640px){
      .alip-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .alip-page h2{
        font-size:28px;
      }

      .alip-hero-copy,
      .alip-band,
      .alip-roadmap-side,
      .alip-cta{
        padding:22px;
      }

      .alip-visual-top strong{
        font-size:24px;
      }

      .alip-step{
        grid-template-columns:1fr;
      }
    }
    
    /* ==================================================================
    https://loyainsurance.org/maximize-young-driver-insurance-discounts/
    ===================================================================== */
    .alip-page,
    .alip-page *{
      box-sizing:border-box;
    }

    .alip-page{
      max-width:1180px;
      margin:0 auto;
      padding:0 24px 56px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .alip-page p{
      margin:0 0 18px;
    }

    .alip-page h2{
      margin:0 0 18px;
      color:#0b1f3a;
      font-size:34px;
      line-height:1.14;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .alip-page h3{
      margin:0 0 12px;
      color:#0b1f3a;
      font-size:23px;
      line-height:1.22;
      font-weight:850;
    }

    .alip-page h4{
      margin:0 0 8px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .alip-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .alip-author{
      margin:18px 0 30px;
      border-radius:22px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
    }

    .alip-author-top{
      display:grid;
      grid-template-columns:minmax(0,1fr) auto;
      gap:18px;
      align-items:flex-start;
      padding:18px 20px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 52%,#fff7ed 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .alip-badge{
      display:inline-flex;
      margin:0 0 9px;
      padding:6px 11px;
      border-radius:999px;
      background:#0b1f3a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .alip-author-name{
      display:flex;
      align-items:center;
      gap:12px;
      margin:0 0 4px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .alip-author-name img{
      width:52px;
      height:52px;
      border-radius:999px;
      object-fit:cover;
      flex:0 0 52px;
      border:2px solid #fff;
      box-shadow:0 8px 20px rgba(15,23,42,.12);
    }

    .alip-author-role{
      margin:0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
      padding-left:64px;
    }

    .alip-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
      padding-top:4px;
    }

    .alip-author-body{
      padding:16px 20px 18px;
      background:#fff;
    }

    .alip-author details{
      margin:0;
    }

    .alip-author summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:7px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .alip-author summary::-webkit-details-marker{
      display:none;
    }

    .alip-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .alip-author details[open] .alip-caret{
      transform:rotate(180deg);
    }

    .alip-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:820px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .alip-author-panel p{
      margin:0 0 10px!important;
    }

    .alip-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .alip-hero{
      display:grid;
      grid-template-columns:minmax(0,1.02fr) minmax(340px,.98fr);
      gap:28px;
      align-items:stretch;
      margin:0 0 38px;
    }

    .alip-hero-copy{
      padding:32px;
      border-radius:30px;
      background:
        radial-gradient(circle at top right,rgba(255,122,26,.24),transparent 34%),
        linear-gradient(135deg,#0b1f3a 0%,#12335f 58%,#0b67ae 100%);
      color:#fff;
      box-shadow:0 18px 44px rgba(8,32,68,.22);
    }

    .alip-eyebrow{
      display:inline-flex;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.15);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .alip-hero-copy h2{
      color:#fff;
    }

    .alip-hero-copy p{
      color:#eaf2ff;
    }

    .alip-hero-copy a{
      color:#bfdbfe;
    }

    .alip-lede{
      font-size:18px;
      line-height:1.72;
    }

    .alip-visual{
      display:flex;
      flex-direction:column;
      border-radius:30px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 18px 42px rgba(15,23,42,.075);
    }

    .alip-visual-top{
      padding:23px 24px;
      background:linear-gradient(135deg,#f8fafc,#fff7ed);
      border-bottom:1px solid #e2e8f0;
    }

    .alip-visual-top strong{
      display:block;
      margin:0 0 8px;
      color:#0b1f3a;
      font-size:27px;
      line-height:1.08;
      font-weight:950;
      letter-spacing:-.03em;
    }

    .alip-visual-top span{
      display:block;
      color:#475569;
      font-size:15px;
      line-height:1.55;
    }

    .alip-visual figure{
      margin:0;
    }

    .alip-visual img{
      display:block;
      width:100%;
      height:auto;
    }

    .alip-visual figcaption{
      margin:0;
      padding:13px 15px;
      color:#475569;
      background:#f8fafc;
      font-size:13px;
      line-height:1.45;
      border-top:1px solid #e2e8f0;
    }

    .alip-note{
      margin:0 0 36px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .alip-note strong{
      color:#9a3412;
      font-weight:900;
    }

    .alip-stats{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
      margin:0 0 42px;
    }

    .alip-stat{
      padding:18px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 12px 30px rgba(15,23,42,.05);
    }

    .alip-stat.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .alip-stat.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .alip-stat.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .alip-stat.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .alip-stat strong{
      display:block;
      margin:0 0 6px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.15;
      font-weight:950;
    }

    .alip-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.55;
    }

    .alip-section{
      margin:44px 0;
    }

    .alip-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:22px;
      margin:24px 0 0;
    }

    .alip-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .alip-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .alip-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .alip-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .alip-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .alip-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .alip-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .alip-card p:last-child{
      margin-bottom:0;
    }

    .alip-list,
    .alip-numbered{
      margin:0 0 20px;
      padding-left:22px;
    }

    .alip-list li,
    .alip-numbered li{
      margin:0 0 12px;
    }

    .alip-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .alip-table{
      width:100%;
      border-collapse:collapse;
      min-width:800px;
      background:#fff;
    }

    .alip-table th,
    .alip-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .alip-table th{
      background:#0b1f3a;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .alip-table td{
      background:#fff;
      color:#172033;
    }

    .alip-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .alip-table tr:last-child td{
      border-bottom:0;
    }

    .alip-roadmap{
      margin:44px 0;
      display:grid;
      grid-template-columns:310px minmax(0,1fr);
      gap:24px;
      align-items:start;
    }

    .alip-roadmap-side{
      padding:24px;
      border-radius:26px;
      background:linear-gradient(135deg,#0b1f3a,#13213f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.22);
    }

    .alip-roadmap-side h2,
    .alip-roadmap-side h3{
      color:#fff;
    }

    .alip-roadmap-side p,
    .alip-roadmap-side li{
      color:#e2e8f0;
      font-size:15px;
    }

    .alip-roadmap-side a{
      color:#bfdbfe;
    }

    .alip-roadmap-main{
      display:grid;
      gap:14px;
    }

    .alip-step{
      display:grid;
      grid-template-columns:50px minmax(0,1fr);
      gap:15px;
      padding:18px;
      border-radius:20px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .alip-step-num{
      width:50px;
      height:50px;
      display:flex;
      align-items:center;
      justify-content:center;
      border-radius:17px;
      background:#eef6ff;
      color:#0b67ae;
      font-weight:950;
      font-size:20px;
    }

    .alip-step p{
      margin-bottom:0;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .alip-band{
      margin:44px 0;
      padding:28px;
      border-radius:30px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 100%);
      border:1px solid #dbeafe;
      box-shadow:0 18px 42px rgba(15,23,42,.065);
    }

    .alip-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .alip-faq summary{
      cursor:pointer;
      color:#0b1f3a;
      font-weight:850;
      list-style:none;
    }

    .alip-faq summary::-webkit-details-marker{
      display:none;
    }

    .alip-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .alip-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .alip-cta{
      margin:44px auto 12px;
      max-width:880px;
      padding:26px;
      border-radius:26px;
      background:
        radial-gradient(circle at top right,rgba(255,122,26,.25),transparent 30%),
        linear-gradient(135deg,#111827 0%,#0b1f3a 100%);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.24);
      text-align:center;
    }

    .alip-cta-title{
      display:block;
      margin:0 0 8px;
      color:#fff!important;
      font-size:30px;
      line-height:1.12;
      font-weight:950;
      letter-spacing:-.02em;
    }

    .alip-cta-text{
      display:block;
      margin:0 0 16px;
      color:#e2e8f0!important;
      font-size:15px;
      line-height:1.55;
    }

    .alip-cta-form{
      display:flex;
      justify-content:center;
      align-items:center;
      flex-wrap:wrap;
      gap:10px;
      margin:0;
      padding:0;
    }

    .alip-cta-input{
      width:185px;
      height:46px;
      border:0;
      border-radius:12px;
      background:#f8fafc;
      color:#0f172a;
      padding:0 13px;
      font-size:15px;
      outline:none;
    }

    .alip-cta-btn{
      height:46px;
      border:0;
      border-radius:12px;
      background:#ff7a1a;
      color:#fff!important;
      font-size:15px;
      font-weight:850;
      padding:0 20px;
      cursor:pointer;
      -webkit-text-fill-color:#fff;
    }

    .alip-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .alip-refs h3{
      margin:0 0 12px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .alip-refs ol{
      margin:0;
      padding-left:20px;
    }

    .alip-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .alip-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .alip-author-top,
      .alip-hero,
      .alip-stats,
      .alip-grid-2,
      .alip-grid-3,
      .alip-roadmap{
        grid-template-columns:1fr;
      }

      .alip-author-date{
        text-align:left;
        white-space:normal;
        padding-top:0;
      }

      .alip-author-role{
        padding-left:0;
      }
    }

    @media(max-width:640px){
      .alip-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .alip-page h2{
        font-size:28px;
      }

      .alip-hero-copy,
      .alip-band,
      .alip-roadmap-side,
      .alip-cta{
        padding:22px;
      }

      .alip-visual-top strong{
        font-size:24px;
      }

      .alip-step{
        grid-template-columns:1fr;
      }
    }
    
    /* ===============================================================
    https://loyainsurance.org/uninsured-vs-underinsured-coverage-costs/
    =================================================================== */
     .uimc-page,
    .uimc-page *{
      box-sizing:border-box;
    }

    .uimc-page{
      max-width:1180px;
      margin:0 auto;
      padding:0 24px 56px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .uimc-page p{
      margin:0 0 18px;
    }

    .uimc-page h2{
      margin:0 0 18px;
      color:#0b1f3a;
      font-size:34px;
      line-height:1.14;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .uimc-page h3{
      margin:0 0 12px;
      color:#0b1f3a;
      font-size:23px;
      line-height:1.22;
      font-weight:850;
    }

    .uimc-page h4{
      margin:0 0 8px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .uimc-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .uimc-author{
      margin:18px 0 30px;
      border-radius:22px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
    }

    .uimc-author-top{
      display:grid;
      grid-template-columns:minmax(0,1fr) auto;
      gap:18px;
      align-items:flex-start;
      padding:18px 20px;
      background:linear-gradient(135deg,#fff7ed 0%,#f8fafc 48%,#eef6ff 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .uimc-badge{
      display:inline-flex;
      margin:0 0 9px;
      padding:6px 11px;
      border-radius:999px;
      background:#0b1f3a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .uimc-author-name{
      display:flex;
      align-items:center;
      gap:12px;
      margin:0 0 4px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .uimc-author-name img{
      width:52px;
      height:52px;
      border-radius:999px;
      object-fit:cover;
      flex:0 0 52px;
      border:2px solid #fff;
      box-shadow:0 8px 20px rgba(15,23,42,.12);
    }

    .uimc-author-role{
      margin:0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
      padding-left:64px;
    }

    .uimc-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
      padding-top:4px;
    }

    .uimc-author-body{
      padding:16px 20px 18px;
      background:#fff;
    }

    .uimc-author details{
      margin:0;
    }

    .uimc-author summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:7px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .uimc-author summary::-webkit-details-marker{
      display:none;
    }

    .uimc-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .uimc-author details[open] .uimc-caret{
      transform:rotate(180deg);
    }

    .uimc-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:820px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .uimc-author-panel p{
      margin:0 0 10px!important;
    }

    .uimc-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .uimc-hero{
      display:grid;
      grid-template-columns:minmax(0,1.05fr) minmax(340px,.95fr);
      gap:28px;
      align-items:stretch;
      margin:0 0 38px;
    }

    .uimc-hero-copy{
      padding:32px;
      border-radius:30px;
      background:
        radial-gradient(circle at top right,rgba(255,122,26,.24),transparent 34%),
        linear-gradient(135deg,#0b1f3a 0%,#12335f 58%,#0b67ae 100%);
      color:#fff;
      box-shadow:0 18px 44px rgba(8,32,68,.22);
    }

    .uimc-eyebrow{
      display:inline-flex;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.15);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .uimc-hero-copy h2{
      color:#fff;
    }

    .uimc-hero-copy p{
      color:#eaf2ff;
    }

    .uimc-hero-copy a{
      color:#bfdbfe;
    }

    .uimc-lede{
      font-size:18px;
      line-height:1.72;
    }

    .uimc-visual{
      display:flex;
      flex-direction:column;
      border-radius:30px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 18px 42px rgba(15,23,42,.075);
    }

    .uimc-visual-top{
      padding:23px 24px;
      background:linear-gradient(135deg,#f8fafc,#fff7ed);
      border-bottom:1px solid #e2e8f0;
    }

    .uimc-visual-top strong{
      display:block;
      margin:0 0 8px;
      color:#0b1f3a;
      font-size:27px;
      line-height:1.08;
      font-weight:950;
      letter-spacing:-.03em;
    }

    .uimc-visual-top span{
      display:block;
      color:#475569;
      font-size:15px;
      line-height:1.55;
    }

    .uimc-visual figure{
      margin:0;
    }

    .uimc-visual img{
      display:block;
      width:100%;
      height:auto;
    }

    .uimc-visual figcaption{
      margin:0;
      padding:13px 15px;
      color:#475569;
      background:#f8fafc;
      font-size:13px;
      line-height:1.45;
      border-top:1px solid #e2e8f0;
    }

    .uimc-note{
      margin:0 0 36px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .uimc-note strong{
      color:#9a3412;
      font-weight:900;
    }

    .uimc-stats{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
      margin:0 0 42px;
    }

    .uimc-stat{
      padding:18px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 12px 30px rgba(15,23,42,.05);
    }

    .uimc-stat.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .uimc-stat.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .uimc-stat.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .uimc-stat.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .uimc-stat strong{
      display:block;
      margin:0 0 6px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.15;
      font-weight:950;
    }

    .uimc-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.55;
    }

    .uimc-section{
      margin:44px 0;
    }

    .uimc-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:22px;
      margin:24px 0 0;
    }

    .uimc-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .uimc-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .uimc-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .uimc-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .uimc-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .uimc-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .uimc-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .uimc-card p:last-child{
      margin-bottom:0;
    }

    .uimc-list,
    .uimc-numbered{
      margin:0 0 20px;
      padding-left:22px;
    }

    .uimc-list li,
    .uimc-numbered li{
      margin:0 0 12px;
    }

    .uimc-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .uimc-table{
      width:100%;
      border-collapse:collapse;
      min-width:820px;
      background:#fff;
    }

    .uimc-table th,
    .uimc-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .uimc-table th{
      background:#0b1f3a;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .uimc-table td{
      background:#fff;
      color:#172033;
    }

    .uimc-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .uimc-table tr:last-child td{
      border-bottom:0;
    }

    .uimc-cost-lab{
      margin:44px 0;
      display:grid;
      grid-template-columns:310px minmax(0,1fr);
      gap:24px;
      align-items:start;
    }

    .uimc-cost-side{
      padding:24px;
      border-radius:26px;
      background:linear-gradient(135deg,#0b1f3a,#13213f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.22);
    }

    .uimc-cost-side h2,
    .uimc-cost-side h3{
      color:#fff;
    }

    .uimc-cost-side p,
    .uimc-cost-side li{
      color:#e2e8f0;
      font-size:15px;
    }

    .uimc-cost-main{
      display:grid;
      gap:14px;
    }

    .uimc-step{
      display:grid;
      grid-template-columns:50px minmax(0,1fr);
      gap:15px;
      padding:18px;
      border-radius:20px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .uimc-step-num{
      width:50px;
      height:50px;
      display:flex;
      align-items:center;
      justify-content:center;
      border-radius:17px;
      background:#eef6ff;
      color:#0b67ae;
      font-weight:950;
      font-size:20px;
    }

    .uimc-step p{
      margin-bottom:0;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .uimc-band{
      margin:44px 0;
      padding:28px;
      border-radius:30px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 100%);
      border:1px solid #dbeafe;
      box-shadow:0 18px 42px rgba(15,23,42,.065);
    }

    .uimc-calculator{
      margin:44px 0;
      display:grid;
      grid-template-columns:minmax(0,.95fr) minmax(340px,1.05fr);
      gap:24px;
      align-items:stretch;
      padding:26px;
      border-radius:30px;
      border:1px solid #dbeafe;
      background:linear-gradient(135deg,#f8fafc,#fff);
      box-shadow:0 18px 42px rgba(15,23,42,.065);
    }

    .uimc-calc-side{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#0b1f3a,#12335f);
      color:#fff;
    }

    .uimc-calc-side h2{
      color:#fff;
    }

    .uimc-calc-side p{
      color:#e2e8f0;
    }

    .uimc-form-grid{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:14px;
    }

    .uimc-field label{
      display:block;
      margin:0 0 6px;
      color:#0b1f3a;
      font-size:14px;
      line-height:1.35;
      font-weight:850;
    }

    .uimc-field select,
    .uimc-field input{
      width:100%;
      min-height:46px;
      border:1px solid #cbd5e1;
      border-radius:12px;
      background:#fff;
      color:#0f172a;
      padding:0 12px;
      font-size:15px;
      outline:none;
    }

    .uimc-price-box{
      margin:16px 0 0;
      padding:20px;
      border-radius:20px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
    }

    .uimc-price-box strong{
      display:block;
      color:#9a3412;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      margin-bottom:4px;
    }

    .uimc-price-box span{
      display:block;
      color:#0b1f3a;
      font-size:34px;
      line-height:1.1;
      font-weight:950;
    }

    .uimc-calc-actions{
      display:flex;
      flex-wrap:wrap;
      gap:10px;
      margin-top:16px;
    }

    .uimc-btn,
    .uimc-link-btn{
      display:inline-flex;
      align-items:center;
      justify-content:center;
      min-height:46px;
      border:0;
      border-radius:12px;
      padding:0 18px;
      background:#ff7a1a;
      color:#fff!important;
      font-size:15px;
      font-weight:850;
      cursor:pointer;
      text-decoration:none!important;
      -webkit-text-fill-color:#fff;
    }

    .uimc-link-btn{
      background:#0b67ae;
    }

    .uimc-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .uimc-faq summary{
      cursor:pointer;
      color:#0b1f3a;
      font-weight:850;
      list-style:none;
    }

    .uimc-faq summary::-webkit-details-marker{
      display:none;
    }

    .uimc-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .uimc-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .uimc-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .uimc-refs h3{
      margin:0 0 12px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .uimc-refs ol{
      margin:0;
      padding-left:20px;
    }

    .uimc-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .uimc-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .uimc-author-top,
      .uimc-hero,
      .uimc-stats,
      .uimc-grid-2,
      .uimc-grid-3,
      .uimc-cost-lab,
      .uimc-calculator{
        grid-template-columns:1fr;
      }

      .uimc-author-date{
        text-align:left;
        white-space:normal;
        padding-top:0;
      }

      .uimc-author-role{
        padding-left:0;
      }
    }

    @media(max-width:640px){
      .uimc-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .uimc-page h2{
        font-size:28px;
      }

      .uimc-hero-copy,
      .uimc-band,
      .uimc-cost-side,
      .uimc-calculator,
      .uimc-calc-side{
        padding:22px;
      }

      .uimc-visual-top strong{
        font-size:24px;
      }

      .uimc-step,
      .uimc-form-grid{
        grid-template-columns:1fr;
      }
    }
    
    /* ================================================================
    https://loyainsurance.org/financial-risks-uninsured-motorist-coverage/
    ====================================================================== */
    .fum-page,
    .fum-page *{
      box-sizing:border-box;
    }

    .fum-page{
      max-width:1180px;
      margin:0 auto;
      padding:0 24px 56px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .fum-page p{
      margin:0 0 18px;
    }

    .fum-page h2{
      margin:0 0 18px;
      color:#0b1f3a;
      font-size:34px;
      line-height:1.14;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .fum-page h3{
      margin:0 0 12px;
      color:#0b1f3a;
      font-size:23px;
      line-height:1.22;
      font-weight:850;
    }

    .fum-page h4{
      margin:0 0 8px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .fum-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .fum-author{
      margin:18px 0 30px;
      border-radius:22px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
    }

    .fum-author-top{
      display:grid;
      grid-template-columns:minmax(0,1fr) auto;
      gap:18px;
      align-items:flex-start;
      padding:18px 20px;
      background:linear-gradient(135deg,#eef6ff 0%,#f8fafc 52%,#fff7ed 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .fum-badge{
      display:inline-flex;
      margin:0 0 9px;
      padding:6px 11px;
      border-radius:999px;
      background:#0b1f3a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .fum-author-name{
      display:flex;
      align-items:center;
      gap:12px;
      margin:0 0 4px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .fum-author-name img{
      width:52px;
      height:52px;
      border-radius:999px;
      object-fit:cover;
      flex:0 0 52px;
      border:2px solid #fff;
      box-shadow:0 8px 20px rgba(15,23,42,.12);
    }

    .fum-author-role{
      margin:0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
      padding-left:64px;
    }

    .fum-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
      padding-top:4px;
    }

    .fum-author-body{
      padding:16px 20px 18px;
      background:#fff;
    }

    .fum-author details{
      margin:0;
    }

    .fum-author summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:7px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .fum-author summary::-webkit-details-marker{
      display:none;
    }

    .fum-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .fum-author details[open] .fum-caret{
      transform:rotate(180deg);
    }

    .fum-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:820px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .fum-author-panel p{
      margin:0 0 10px!important;
    }

    .fum-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .fum-hero{
      margin:0 0 38px;
      display:grid;
      grid-template-columns:minmax(0,1fr);
      border-radius:32px;
      overflow:hidden;
      border:1px solid #e2e8f0;
      background:#fff;
      box-shadow:0 20px 48px rgba(15,23,42,.09);
    }

    .fum-hero-grid{
      display:grid;
      grid-template-columns:minmax(0,1.04fr) minmax(340px,.96fr);
      min-height:420px;
    }

    .fum-hero-copy{
      padding:34px;
      background:
        radial-gradient(circle at 18% 20%,rgba(255,122,26,.25),transparent 33%),
        linear-gradient(135deg,#0b1f3a 0%,#12335f 55%,#0b67ae 100%);
      color:#fff;
    }

    .fum-eyebrow{
      display:inline-flex;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.15);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .fum-hero-copy h2{
      color:#fff;
    }

    .fum-hero-copy p{
      color:#eaf2ff;
    }

    .fum-hero-copy a{
      color:#bfdbfe;
    }

    .fum-lede{
      font-size:18px;
      line-height:1.72;
    }

    .fum-hero-media{
      display:flex;
      flex-direction:column;
      background:#fff;
    }

    .fum-hero-media figure{
      margin:0;
      flex:1;
    }

    .fum-hero-media img{
      display:block;
      width:100%;
      height:100%;
      object-fit:cover;
      min-height:330px;
    }

    .fum-hero-media figcaption{
      margin:0;
      padding:13px 15px;
      color:#475569;
      background:#f8fafc;
      font-size:13px;
      line-height:1.45;
      border-top:1px solid #e2e8f0;
    }

    .fum-trust-row{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:0;
      border-top:1px solid #e2e8f0;
      background:#f8fafc;
    }

    .fum-trust{
      padding:18px 20px;
      border-right:1px solid #e2e8f0;
    }

    .fum-trust:last-child{
      border-right:0;
    }

    .fum-trust strong{
      display:block;
      margin:0 0 4px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .fum-trust span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .fum-note{
      margin:0 0 36px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .fum-note strong{
      color:#9a3412;
      font-weight:900;
    }

    .fum-section{
      margin:44px 0;
    }

    .fum-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:22px;
      margin:24px 0 0;
    }

    .fum-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .fum-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .fum-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .fum-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .fum-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .fum-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .fum-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .fum-card p:last-child{
      margin-bottom:0;
    }

    .fum-list,
    .fum-numbered{
      margin:0 0 20px;
      padding-left:22px;
    }

    .fum-list li,
    .fum-numbered li{
      margin:0 0 12px;
    }

    .fum-risk-strip{
      margin:34px 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .fum-risk{
      padding:18px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 12px 30px rgba(15,23,42,.05);
    }

    .fum-risk strong{
      display:block;
      margin:0 0 6px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.15;
      font-weight:950;
    }

    .fum-risk span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.55;
    }

    .fum-risk.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .fum-risk.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .fum-risk.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .fum-risk.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .fum-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .fum-table{
      width:100%;
      border-collapse:collapse;
      min-width:800px;
      background:#fff;
    }

    .fum-table th,
    .fum-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .fum-table th{
      background:#0b1f3a;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .fum-table td{
      background:#fff;
      color:#172033;
    }

    .fum-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .fum-table tr:last-child td{
      border-bottom:0;
    }

    .fum-decision{
      margin:44px 0;
      display:grid;
      grid-template-columns:310px minmax(0,1fr);
      gap:24px;
      align-items:start;
    }

    .fum-decision-side{
      padding:24px;
      border-radius:26px;
      background:linear-gradient(135deg,#0b1f3a,#13213f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.22);
    }

    .fum-decision-side h2,
    .fum-decision-side h3{
      color:#fff;
    }

    .fum-decision-side p,
    .fum-decision-side li{
      color:#e2e8f0;
      font-size:15px;
    }

    .fum-decision-main{
      display:grid;
      gap:14px;
    }

    .fum-step{
      display:grid;
      grid-template-columns:50px minmax(0,1fr);
      gap:15px;
      padding:18px;
      border-radius:20px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .fum-step-num{
      width:50px;
      height:50px;
      display:flex;
      align-items:center;
      justify-content:center;
      border-radius:17px;
      background:#eef6ff;
      color:#0b67ae;
      font-weight:950;
      font-size:20px;
    }

    .fum-step p{
      margin-bottom:0;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .fum-band{
      margin:44px 0;
      padding:28px;
      border-radius:30px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 100%);
      border:1px solid #dbeafe;
      box-shadow:0 18px 42px rgba(15,23,42,.065);
    }

    .fum-calculator{
      margin:44px 0;
      display:grid;
      grid-template-columns:minmax(0,.95fr) minmax(340px,1.05fr);
      gap:24px;
      align-items:stretch;
      padding:26px;
      border-radius:30px;
      border:1px solid #dbeafe;
      background:linear-gradient(135deg,#f8fafc,#fff);
      box-shadow:0 18px 42px rgba(15,23,42,.065);
    }

    .fum-calc-side{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#0b1f3a,#12335f);
      color:#fff;
    }

    .fum-calc-side h2{
      color:#fff;
    }

    .fum-calc-side p{
      color:#e2e8f0;
    }

    .fum-form-grid{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:14px;
    }

    .fum-field label{
      display:block;
      margin:0 0 6px;
      color:#0b1f3a;
      font-size:14px;
      line-height:1.35;
      font-weight:850;
    }

    .fum-field select,
    .fum-field input{
      width:100%;
      min-height:46px;
      border:1px solid #cbd5e1;
      border-radius:12px;
      background:#fff;
      color:#0f172a;
      padding:0 12px;
      font-size:15px;
      outline:none;
    }

    .fum-price-box{
      margin:16px 0 0;
      padding:20px;
      border-radius:20px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
    }

    .fum-price-box strong{
      display:block;
      color:#9a3412;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      margin-bottom:4px;
    }

    .fum-price-box span{
      display:block;
      color:#0b1f3a;
      font-size:34px;
      line-height:1.1;
      font-weight:950;
    }

    .fum-calc-actions{
      display:flex;
      flex-wrap:wrap;
      gap:10px;
      margin-top:16px;
    }

    .fum-btn,
    .fum-link-btn{
      display:inline-flex;
      align-items:center;
      justify-content:center;
      min-height:46px;
      border:0;
      border-radius:12px;
      padding:0 18px;
      background:#ff7a1a;
      color:#fff!important;
      font-size:15px;
      font-weight:850;
      cursor:pointer;
      text-decoration:none!important;
      -webkit-text-fill-color:#fff;
    }

    .fum-link-btn{
      background:#0b67ae;
    }

    .fum-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .fum-faq summary{
      cursor:pointer;
      color:#0b1f3a;
      font-weight:850;
      list-style:none;
    }

    .fum-faq summary::-webkit-details-marker{
      display:none;
    }

    .fum-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .fum-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .fum-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .fum-refs h3{
      margin:0 0 12px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .fum-refs ol{
      margin:0;
      padding-left:20px;
    }

    .fum-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .fum-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .fum-author-top,
      .fum-hero-grid,
      .fum-trust-row,
      .fum-risk-strip,
      .fum-grid-2,
      .fum-grid-3,
      .fum-decision,
      .fum-calculator{
        grid-template-columns:1fr;
      }

      .fum-author-date{
        text-align:left;
        white-space:normal;
        padding-top:0;
      }

      .fum-author-role{
        padding-left:0;
      }

      .fum-trust{
        border-right:0;
        border-bottom:1px solid #e2e8f0;
      }

      .fum-trust:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .fum-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .fum-page h2{
        font-size:28px;
      }

      .fum-hero-copy,
      .fum-band,
      .fum-decision-side,
      .fum-calculator,
      .fum-calc-side{
        padding:22px;
      }

      .fum-step,
      .fum-form-grid{
        grid-template-columns:1fr;
      }
    }
    
    /* ===================================================================
    https://loyainsurance.org/top-uninsured-motorist-coverage-tools/
    =================================================================== */
    .umc-page,
    .umc-page *{
      box-sizing:border-box;
    }

    .umc-page{
      max-width:1180px;
      margin:0 auto;
      padding:0 24px 58px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .umc-page p{
      margin:0 0 18px;
    }

    .umc-page h2{
      margin:0 0 16px;
      color:#0b1f3a;
      font-size:34px;
      line-height:1.14;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .umc-page h3{
      margin:0 0 11px;
      color:#0b1f3a;
      font-size:23px;
      line-height:1.22;
      font-weight:850;
    }

    .umc-page h4{
      margin:0 0 8px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .umc-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .umc-author{
      margin:18px 0 32px;
      border-radius:24px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
    }

    .umc-author-top{
      display:grid;
      grid-template-columns:72px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 52%,#fff7ed 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .umc-author img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .umc-badge{
      display:inline-flex;
      margin:0 0 7px;
      padding:6px 11px;
      border-radius:999px;
      background:#0b1f3a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .umc-author-name{
      margin:0;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .umc-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .umc-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .umc-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .umc-author details{
      margin:0;
    }

    .umc-author summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .umc-author summary::-webkit-details-marker{
      display:none;
    }

    .umc-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .umc-author details[open] .umc-caret{
      transform:rotate(180deg);
    }

    .umc-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:850px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .umc-author-panel p{
      margin:0 0 10px!important;
    }

    .umc-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .umc-hero{
      margin:0 0 38px;
      display:grid;
      grid-template-columns:minmax(330px,.92fr) minmax(0,1.08fr);
      gap:0;
      overflow:hidden;
      border-radius:34px;
      background:#fff;
      border:1px solid #dbeafe;
      box-shadow:0 22px 54px rgba(15,23,42,.12);
    }

    .umc-hero-media{
      background:#f8fafc;
      display:flex;
      flex-direction:column;
    }

    .umc-hero-media figure{
      margin:0;
      height:100%;
      display:flex;
      flex-direction:column;
    }

    .umc-hero-media img{
      display:block;
      width:100%;
      min-height:390px;
      height:100%;
      object-fit:cover;
      flex:1;
    }

    .umc-hero-media figcaption{
      margin:0;
      padding:13px 15px;
      color:#475569;
      background:#f8fafc;
      font-size:13px;
      line-height:1.45;
      border-top:1px solid #e2e8f0;
    }

    .umc-hero-copy{
      padding:38px;
      background:
        radial-gradient(circle at 12% 18%,rgba(255,122,26,.24),transparent 33%),
        radial-gradient(circle at 88% 85%,rgba(59,130,246,.24),transparent 35%),
        linear-gradient(135deg,#081a33 0%,#0b1f3a 55%,#0b67ae 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .umc-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.15);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .umc-hero-copy h2{
      color:#fff;
      font-size:39px;
      line-height:1.08;
    }

    .umc-hero-copy p{
      color:#eaf2ff;
    }

    .umc-hero-copy a{
      color:#bfdbfe;
    }

    .umc-lede{
      font-size:18px;
      line-height:1.72;
    }

    .umc-stats{
      margin:0 0 38px;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:16px;
    }

    .umc-stat{
      padding:20px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .umc-stat.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .umc-stat.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .umc-stat.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .umc-stat.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .umc-stat strong{
      display:block;
      margin:0 0 5px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .umc-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .umc-note{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .umc-note strong{
      color:#9a3412;
      font-weight:900;
    }

    .umc-section{
      margin:46px 0;
    }

    .umc-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .umc-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .umc-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .umc-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .umc-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .umc-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .umc-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .umc-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .umc-card p:last-child{
      margin-bottom:0;
    }

    .umc-list,
    .umc-numbered{
      margin:0 0 20px;
      padding-left:22px;
    }

    .umc-list li,
    .umc-numbered li{
      margin:0 0 12px;
    }

    .umc-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .umc-table{
      width:100%;
      border-collapse:collapse;
      min-width:820px;
      background:#fff;
    }

    .umc-table th,
    .umc-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .umc-table th{
      background:#0b1f3a;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .umc-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .umc-table tr:last-child td{
      border-bottom:0;
    }

    .umc-flow{
      display:grid;
      grid-template-columns:310px minmax(0,1fr);
      gap:24px;
      align-items:start;
      margin:46px 0;
    }

    .umc-flow-side{
      padding:24px;
      border-radius:28px;
      background:linear-gradient(135deg,#0b1f3a,#12335f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.20);
    }

    .umc-flow-side h2,
    .umc-flow-side h3{
      color:#fff;
    }

    .umc-flow-side p,
    .umc-flow-side li{
      color:#e2e8f0;
      font-size:15px;
      line-height:1.6;
    }

    .umc-steps{
      display:grid;
      gap:14px;
    }

    .umc-step{
      display:grid;
      grid-template-columns:54px minmax(0,1fr);
      gap:15px;
      padding:18px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .umc-step-num{
      width:54px;
      height:54px;
      display:flex;
      align-items:center;
      justify-content:center;
      border-radius:18px;
      background:#eef6ff;
      color:#0b67ae;
      font-weight:950;
      font-size:20px;
    }

    .umc-step p{
      margin-bottom:0;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .umc-channel-band{
      margin:46px 0;
      display:grid;
      grid-template-columns:minmax(0,.9fr) minmax(320px,1.1fr);
      gap:24px;
      align-items:center;
      padding:26px;
      border-radius:30px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 100%);
      border:1px solid #dbeafe;
      box-shadow:0 18px 42px rgba(15,23,42,.065);
    }

    .umc-channel-card{
      padding:24px;
      border-radius:24px;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .umc-channel-btn{
      display:inline-flex;
      align-items:center;
      justify-content:center;
      min-height:46px;
      border-radius:12px;
      padding:0 18px;
      background:#0b67ae;
      color:#fff!important;
      font-size:15px;
      font-weight:850;
      text-decoration:none!important;
      -webkit-text-fill-color:#fff;
    }

    .umc-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .umc-faq summary{
      cursor:pointer;
      color:#0b1f3a;
      font-weight:850;
      list-style:none;
    }

    .umc-faq summary::-webkit-details-marker{
      display:none;
    }

    .umc-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .umc-cta{
      margin:46px 0 36px;
      display:grid;
      grid-template-columns:minmax(0,.9fr) minmax(360px,1.1fr);
      gap:24px;
      align-items:stretch;
      padding:28px;
      border-radius:32px;
      background:
        radial-gradient(circle at 8% 12%,rgba(255,122,26,.18),transparent 32%),
        linear-gradient(135deg,#f8fafc,#fff);
      border:1px solid #dbeafe;
      box-shadow:0 20px 48px rgba(15,23,42,.08);
    }

    .umc-cta-copy{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#0b1f3a,#12335f);
      color:#fff;
    }

    .umc-cta-copy h2{
      color:#fff;
    }

    .umc-cta-copy p{
      color:#e2e8f0;
    }

    .umc-form-grid{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:14px;
    }

    .umc-field label{
      display:block;
      margin:0 0 6px;
      color:#0b1f3a;
      font-size:14px;
      line-height:1.35;
      font-weight:850;
    }

    .umc-field select,
    .umc-field input{
      width:100%;
      min-height:46px;
      border:1px solid #cbd5e1;
      border-radius:12px;
      background:#fff;
      color:#0f172a;
      padding:0 12px;
      font-size:15px;
      outline:none;
    }

    .umc-price-box{
      margin:16px 0 0;
      padding:20px;
      border-radius:20px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
    }

    .umc-price-box strong{
      display:block;
      color:#9a3412;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      margin-bottom:4px;
    }

    .umc-price-box span{
      display:block;
      color:#0b1f3a;
      font-size:34px;
      line-height:1.1;
      font-weight:950;
    }

    .umc-actions{
      display:flex;
      flex-wrap:wrap;
      gap:10px;
      margin-top:16px;
    }

    .umc-btn,
    .umc-link-btn{
      display:inline-flex;
      align-items:center;
      justify-content:center;
      min-height:46px;
      border:0;
      border-radius:12px;
      padding:0 18px;
      background:#ff7a1a;
      color:#fff!important;
      font-size:15px;
      font-weight:850;
      cursor:pointer;
      text-decoration:none!important;
      -webkit-text-fill-color:#fff;
    }

    .umc-link-btn{
      width:100%;
      background:#0b67ae;
    }

    .umc-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .umc-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .umc-refs h3{
      margin:0 0 12px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .umc-refs ol{
      margin:0;
      padding-left:20px;
    }

    .umc-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .umc-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .umc-author-top,
      .umc-hero,
      .umc-stats,
      .umc-grid-2,
      .umc-grid-3,
      .umc-flow,
      .umc-channel-band,
      .umc-cta{
        grid-template-columns:1fr;
      }

      .umc-author-date{
        text-align:left;
        white-space:normal;
      }
    }

    @media(max-width:640px){
      .umc-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .umc-page h2{
        font-size:28px;
      }

      .umc-hero-copy,
      .umc-channel-band,
      .umc-cta,
      .umc-cta-copy{
        padding:22px;
      }

      .umc-hero-copy h2{
        font-size:31px;
      }

      .umc-step,
      .umc-form-grid{
        grid-template-columns:1fr;
      }
    }
    
    /* ==================================================================
    https://loyainsurance.org/fred-loya-insurance-high-risk-drivers/
    ================================================================= */
    .flhr-page,
    .flhr-page *{
      box-sizing:border-box;
    }

    .flhr-page{
      max-width:1180px;
      margin:0 auto;
      padding:0 24px 58px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .flhr-page p{
      margin:0 0 18px;
    }

    .flhr-page h2{
      margin:0 0 16px;
      color:#0b1f3a;
      font-size:34px;
      line-height:1.14;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .flhr-page h3{
      margin:0 0 11px;
      color:#0b1f3a;
      font-size:23px;
      line-height:1.22;
      font-weight:850;
    }

    .flhr-page h4{
      margin:0 0 8px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .flhr-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .flhr-author{
      margin:18px 0 32px;
      border-radius:24px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
    }

    .flhr-author-top{
      display:grid;
      grid-template-columns:72px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#fff7ed 0%,#f8fafc 50%,#eef6ff 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .flhr-author img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .flhr-badge{
      display:inline-flex;
      margin:0 0 7px;
      padding:6px 11px;
      border-radius:999px;
      background:#0b1f3a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .flhr-author-name{
      margin:0;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .flhr-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .flhr-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .flhr-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .flhr-author details{
      margin:0;
    }

    .flhr-author summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .flhr-author summary::-webkit-details-marker{
      display:none;
    }

    .flhr-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .flhr-author details[open] .flhr-caret{
      transform:rotate(180deg);
    }

    .flhr-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:860px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .flhr-author-panel p{
      margin:0 0 10px!important;
    }

    .flhr-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .flhr-hero{
      margin:0 0 38px;
      border-radius:34px;
      overflow:hidden;
      background:#fff;
      border:1px solid #dbeafe;
      box-shadow:0 22px 54px rgba(15,23,42,.12);
    }

    .flhr-hero-top{
      display:grid;
      grid-template-columns:minmax(0,1.05fr) minmax(330px,.95fr);
      min-height:430px;
    }

    .flhr-hero-copy{
      padding:38px;
      background:
        radial-gradient(circle at 16% 20%,rgba(255,122,26,.25),transparent 32%),
        linear-gradient(135deg,#0b1f3a 0%,#12335f 55%,#0b67ae 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .flhr-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.15);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .flhr-hero-copy h2{
      color:#fff;
      font-size:38px;
      max-width:780px;
    }

    .flhr-hero-copy p{
      color:#eaf2ff;
      max-width:720px;
    }

    .flhr-hero-copy a{
      color:#bfdbfe;
    }

    .flhr-lede{
      font-size:18px;
      line-height:1.72;
    }

    .flhr-hero-media{
      display:flex;
      flex-direction:column;
      background:#fff;
    }

    .flhr-hero-media figure{
      margin:0;
      flex:1;
      display:flex;
      flex-direction:column;
    }

    .flhr-hero-media img{
      display:block;
      width:100%;
      height:100%;
      min-height:330px;
      object-fit:cover;
      flex:1;
    }

    .flhr-hero-media figcaption{
      margin:0;
      padding:13px 15px;
      color:#475569;
      background:#f8fafc;
      font-size:13px;
      line-height:1.45;
      border-top:1px solid #e2e8f0;
    }

    .flhr-decision-row{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid #e2e8f0;
    }

    .flhr-decision{
      padding:18px 20px;
      border-right:1px solid #e2e8f0;
    }

    .flhr-decision:nth-child(2){
      background:#eff6ff;
    }

    .flhr-decision:nth-child(3){
      background:#fff7ed;
    }

    .flhr-decision:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .flhr-decision strong{
      display:block;
      margin:0 0 4px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .flhr-decision span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .flhr-note{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .flhr-note strong{
      color:#9a3412;
      font-weight:900;
    }

    .flhr-section{
      margin:46px 0;
    }

    .flhr-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .flhr-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .flhr-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .flhr-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .flhr-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .flhr-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .flhr-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .flhr-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .flhr-card p:last-child{
      margin-bottom:0;
    }

    .flhr-list,
    .flhr-numbered{
      margin:0 0 20px;
      padding-left:22px;
    }

    .flhr-list li,
    .flhr-numbered li{
      margin:0 0 12px;
    }

    .flhr-policy-map{
      margin:46px 0;
      display:grid;
      grid-template-columns:320px minmax(0,1fr);
      gap:24px;
      align-items:start;
    }

    .flhr-map-side{
      position:sticky;
      top:18px;
      padding:24px;
      border-radius:28px;
      background:linear-gradient(135deg,#0b1f3a,#13213f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.22);
    }

    .flhr-map-side h2,
    .flhr-map-side h3{
      color:#fff;
    }

    .flhr-map-side p,
    .flhr-map-side li{
      color:#e2e8f0;
      font-size:15px;
      line-height:1.6;
    }

    .flhr-step-stack{
      display:grid;
      gap:14px;
    }

    .flhr-step{
      display:grid;
      grid-template-columns:58px minmax(0,1fr);
      gap:16px;
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .flhr-step-num{
      width:58px;
      height:58px;
      border-radius:19px;
      display:flex;
      align-items:center;
      justify-content:center;
      background:#eef6ff;
      color:#0b67ae;
      font-size:22px;
      font-weight:950;
    }

    .flhr-step p{
      margin-bottom:0;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .flhr-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .flhr-table{
      width:100%;
      border-collapse:collapse;
      min-width:790px;
      background:#fff;
    }

    .flhr-table th,
    .flhr-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .flhr-table th{
      background:#0b1f3a;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .flhr-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .flhr-table tr:last-child td{
      border-bottom:0;
    }

    .flhr-video-band{
      margin:46px 0;
      display:grid;
      grid-template-columns:minmax(0,.86fr) minmax(350px,1.14fr);
      gap:24px;
      align-items:center;
      padding:26px;
      border-radius:30px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 100%);
      border:1px solid #dbeafe;
      box-shadow:0 18px 42px rgba(15,23,42,.065);
    }

    .flhr-video-copy{
      padding:10px;
    }

    .flhr-video-frame{
      position:relative;
      width:100%;
      padding-bottom:56.25%;
      border-radius:22px;
      overflow:hidden;
      background:#0b1f3a;
      box-shadow:0 16px 38px rgba(15,23,42,.16);
    }

    .flhr-video-frame iframe{
      position:absolute;
      inset:0;
      width:100%;
      height:100%;
      border:0;
    }

    .flhr-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .flhr-faq summary{
      cursor:pointer;
      color:#0b1f3a;
      font-weight:850;
      list-style:none;
    }

    .flhr-faq summary::-webkit-details-marker{
      display:none;
    }

    .flhr-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .flhr-cta{
      margin:46px 0 36px;
      display:grid;
      grid-template-columns:minmax(0,.9fr) minmax(360px,1.1fr);
      gap:24px;
      align-items:stretch;
      padding:28px;
      border-radius:32px;
      background:
        radial-gradient(circle at 8% 12%,rgba(255,122,26,.18),transparent 32%),
        linear-gradient(135deg,#f8fafc,#fff);
      border:1px solid #dbeafe;
      box-shadow:0 20px 48px rgba(15,23,42,.08);
    }

    .flhr-cta-copy{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#0b1f3a,#12335f);
      color:#fff;
    }

    .flhr-cta-copy h2{
      color:#fff;
    }

    .flhr-cta-copy p{
      color:#e2e8f0;
    }

    .flhr-form-grid{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:14px;
    }

    .flhr-field label{
      display:block;
      margin:0 0 6px;
      color:#0b1f3a;
      font-size:14px;
      line-height:1.35;
      font-weight:850;
    }

    .flhr-field select,
    .flhr-field input{
      width:100%;
      min-height:46px;
      border:1px solid #cbd5e1;
      border-radius:12px;
      background:#fff;
      color:#0f172a;
      padding:0 12px;
      font-size:15px;
      outline:none;
    }

    .flhr-price-box{
      margin:16px 0 0;
      padding:20px;
      border-radius:20px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
    }

    .flhr-price-box strong{
      display:block;
      color:#9a3412;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      margin-bottom:4px;
    }

    .flhr-price-box span{
      display:block;
      color:#0b1f3a;
      font-size:34px;
      line-height:1.1;
      font-weight:950;
    }

    .flhr-actions{
      display:flex;
      flex-wrap:wrap;
      gap:10px;
      margin-top:16px;
    }

    .flhr-btn,
    .flhr-link-btn{
      display:inline-flex;
      align-items:center;
      justify-content:center;
      min-height:46px;
      border:0;
      border-radius:12px;
      padding:0 18px;
      background:#ff7a1a;
      color:#fff!important;
      font-size:15px;
      font-weight:850;
      cursor:pointer;
      text-decoration:none!important;
      -webkit-text-fill-color:#fff;
    }

    .flhr-link-btn{
      width:100%;
      background:#0b67ae;
    }

    .flhr-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .flhr-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .flhr-refs h3{
      margin:0 0 12px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .flhr-refs ol{
      margin:0;
      padding-left:20px;
    }

    .flhr-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .flhr-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .flhr-author-top,
      .flhr-hero-top,
      .flhr-decision-row,
      .flhr-grid-2,
      .flhr-grid-3,
      .flhr-policy-map,
      .flhr-video-band,
      .flhr-cta{
        grid-template-columns:1fr;
      }

      .flhr-author-date{
        text-align:left;
        white-space:normal;
      }

      .flhr-map-side{
        position:relative;
        top:auto;
      }

      .flhr-decision{
        border-right:0;
        border-bottom:1px solid #e2e8f0;
      }

      .flhr-decision:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .flhr-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .flhr-page h2{
        font-size:28px;
      }

      .flhr-hero-copy,
      .flhr-video-band,
      .flhr-cta,
      .flhr-cta-copy{
        padding:22px;
      }

      .flhr-hero-copy h2{
        font-size:31px;
      }

      .flhr-step,
      .flhr-form-grid{
        grid-template-columns:1fr;
      }
    }
 /* =========================================================
   REAL FINAL FIX - FLHR hero layout from current HTML
   Blue card full width, image + decision boxes below
========================================================= */

.flhr-hero {
  display: grid !important;
  grid-template-columns: minmax(300px, .9fr) minmax(0, 1.1fr) !important;
  grid-template-areas:
    "copy copy"
    "media decisions" !important;
  gap: 22px 0 !important;
  width: 100% !important;
  max-width: 100% !important;
  margin: 0 0 38px !important;
  padding: 0 !important;
  background: transparent !important;
  border: 0 !important;
  border-radius: 0 !important;
  box-shadow: none !important;
  overflow: visible !important;
}

/* This is the key: it lets .flhr-hero-copy and .flhr-hero-media behave like direct grid items */
.flhr-hero-top {
  display: contents !important;
}

/* Blue card full width */
.flhr-hero-copy {
  grid-area: copy !important;
  width: 100% !important;
  max-width: 100% !important;
  min-width: 0 !important;
  min-height: auto !important;
  margin: 0 !important;
  padding: 44px 42px !important;
  border-radius: 28px !important;
  overflow: hidden !important;
  border: 1px solid rgba(219, 234, 254, .28) !important;
  box-shadow: 0 18px 44px rgba(15, 23, 42, .14) !important;
  background:
    radial-gradient(circle at 16% 20%, rgba(255, 122, 26, .25), transparent 32%),
    linear-gradient(135deg, #0b1f3a 0%, #12335f 55%, #0b67ae 100%) !important;
  color: #ffffff !important;
}

.flhr-hero-copy h2 {
  width: 100% !important;
  max-width: 920px !important;
  margin: 0 0 18px !important;
  color: #ffffff !important;
  font-size: clamp(2rem, 4vw, 3rem) !important;
  line-height: 1.12 !important;
  font-weight: 900 !important;
  letter-spacing: -0.025em !important;
  white-space: normal !important;
  word-break: normal !important;
  overflow-wrap: normal !important;
  hyphens: none !important;
}

.flhr-hero-copy p {
  max-width: 920px !important;
  color: #eaf2ff !important;
  font-size: 17px !important;
  line-height: 1.72 !important;
  white-space: normal !important;
  word-break: normal !important;
  overflow-wrap: normal !important;
}

.flhr-eyebrow {
  display: inline-flex !important;
  width: auto !important;
  max-width: 100% !important;
  white-space: normal !important;
}

/* Image card: left side under the blue card */
.flhr-hero-media {
  grid-area: media !important;
  display: flex !important;
  flex-direction: column !important;
  width: 100% !important;
  max-width: 100% !important;
  min-width: 0 !important;
  background: #ffffff !important;
  border-top: 1px solid #dbeafe !important;
  border-left: 1px solid #dbeafe !important;
  border-bottom: 1px solid #dbeafe !important;
  border-right: 0 !important;
  border-radius: 28px 0 0 28px !important;
  overflow: hidden !important;
  box-shadow: 0 18px 44px rgba(15, 23, 42, .10) !important;
}

.flhr-hero-media figure {
  display: flex !important;
  flex-direction: column !important;
  width: 100% !important;
  height: 100% !important;
  margin: 0 !important;
}

.flhr-hero-media img {
  display: block !important;
  width: 100% !important;
  height: 100% !important;
  min-height: 340px !important;
  object-fit: cover !important;
  flex: 1 1 auto !important;
}

.flhr-hero-media figcaption {
  margin: 0 !important;
  padding: 13px 15px !important;
  color: #475569 !important;
  background: #f8fafc !important;
  font-size: 13px !important;
  line-height: 1.45 !important;
  border-top: 1px solid #e2e8f0 !important;
}

/* Decision boxes: right side beside the image */
.flhr-decision-row {
  grid-area: decisions !important;
  display: grid !important;
  width: 100% !important;
  max-width: 100% !important;
  min-width: 0 !important;
  grid-template-columns: repeat(2, minmax(0, 1fr)) !important;
  background: #ffffff !important;
  border-top: 1px solid #dbeafe !important;
  border-right: 1px solid #dbeafe !important;
  border-bottom: 1px solid #dbeafe !important;
  border-left: 1px solid #e2e8f0 !important;
  border-radius: 0 28px 28px 0 !important;
  overflow: hidden !important;
  box-shadow: 0 18px 44px rgba(15, 23, 42, .10) !important;
}

.flhr-decision {
  min-width: 0 !important;
  padding: 24px !important;
  border-right: 1px solid #e2e8f0 !important;
  border-bottom: 1px solid #e2e8f0 !important;
}

.flhr-decision:nth-child(2),
.flhr-decision:nth-child(4) {
  border-right: 0 !important;
}

.flhr-decision:nth-child(3),
.flhr-decision:nth-child(4) {
  border-bottom: 0 !important;
}

.flhr-decision strong {
  display: block !important;
  margin: 0 0 7px !important;
  color: #0b1f3a !important;
  font-size: 19px !important;
  line-height: 1.2 !important;
  font-weight: 950 !important;
  white-space: normal !important;
  word-break: normal !important;
  overflow-wrap: normal !important;
  hyphens: none !important;
}

.flhr-decision span {
  display: block !important;
  color: #475569 !important;
  font-size: 15px !important;
  line-height: 1.55 !important;
  white-space: normal !important;
  word-break: normal !important;
  overflow-wrap: normal !important;
  hyphens: none !important;
}

/* Tablet */
@media (max-width: 980px) {
  .flhr-hero {
    grid-template-columns: 1fr !important;
    grid-template-areas:
      "copy"
      "media"
      "decisions" !important;
    gap: 18px !important;
  }

  .flhr-hero-media {
    border: 1px solid #dbeafe !important;
    border-radius: 24px !important;
  }

  .flhr-decision-row {
    border: 1px solid #dbeafe !important;
    border-radius: 24px !important;
  }

  .flhr-hero-media img {
    height: auto !important;
    max-height: 440px !important;
  }
}

/* Mobile */
@media (max-width: 640px) {
  .flhr-hero-copy {
    padding: 28px 22px !important;
    border-radius: 22px !important;
  }

  .flhr-hero-copy h2 {
    font-size: 28px !important;
    line-height: 1.15 !important;
  }

  .flhr-hero-copy p {
    font-size: 15.5px !important;
    line-height: 1.68 !important;
  }

  .flhr-hero-media,
  .flhr-decision-row {
    border-radius: 22px !important;
  }

  .flhr-hero-media img {
    min-height: 240px !important;
    max-height: none !important;
  }

  .flhr-decision-row {
    grid-template-columns: 1fr !important;
  }

  .flhr-decision {
    border-right: 0 !important;
    border-bottom: 1px solid #e2e8f0 !important;
  }

  .flhr-decision:last-child {
    border-bottom: 0 !important;
  }
}

/* =================================================================
https://loyainsurance.org/master-auto-insurance-discounts/
=========================================================== */
.aid-page,
    .aid-page *{
      box-sizing:border-box;
    }

    .aid-page{
      max-width:1180px;
      margin:0 auto;
      padding:0 24px 58px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .aid-page p{
      margin:0 0 18px;
    }

    .aid-page h2{
      margin:0 0 16px;
      color:#0b1f3a;
      font-size:34px;
      line-height:1.14;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .aid-page h3{
      margin:0 0 11px;
      color:#0b1f3a;
      font-size:23px;
      line-height:1.22;
      font-weight:850;
    }

    .aid-page h4{
      margin:0 0 8px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .aid-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .aid-author{
      margin:18px 0 32px;
      border-radius:24px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
    }

    .aid-author-top{
      display:grid;
      grid-template-columns:minmax(0,1fr) auto;
      gap:18px;
      align-items:flex-start;
      padding:18px 20px;
      background:linear-gradient(135deg,#eff6ff 0%,#f8fafc 52%,#ecfdf5 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .aid-badge{
      display:inline-flex;
      margin:0 0 9px;
      padding:6px 11px;
      border-radius:999px;
      background:#0b1f3a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .aid-author-name{
      display:flex;
      align-items:center;
      gap:12px;
      margin:0 0 4px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .aid-author-name img{
      width:54px;
      height:54px;
      border-radius:999px;
      object-fit:cover;
      flex:0 0 54px;
      border:2px solid #fff;
      box-shadow:0 8px 20px rgba(15,23,42,.12);
    }

    .aid-author-role{
      margin:0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
      padding-left:66px;
    }

    .aid-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
      padding-top:4px;
    }

    .aid-author-body{
      padding:16px 20px 18px;
      background:#fff;
    }

    .aid-author details{
      margin:0;
    }

    .aid-author summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:7px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .aid-author summary::-webkit-details-marker{
      display:none;
    }

    .aid-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .aid-author details[open] .aid-caret{
      transform:rotate(180deg);
    }

    .aid-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .aid-author-panel p{
      margin:0 0 10px!important;
    }

    .aid-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .aid-hero{
      margin:0 0 38px;
      display:grid;
      grid-template-columns:minmax(0,1fr);
      border-radius:34px;
      overflow:hidden;
      border:1px solid #dbeafe;
      background:#fff;
      box-shadow:0 22px 54px rgba(15,23,42,.10);
    }

    .aid-hero-top{
      display:grid;
      grid-template-columns:minmax(0,.92fr) minmax(360px,1.08fr);
      min-height:430px;
    }

    .aid-hero-media{
      position:relative;
      background:#0b1f3a;
      min-height:360px;
    }

    .aid-hero-media img{
      display:block;
      width:100%;
      height:100%;
      min-height:360px;
      object-fit:cover;
    }

    .aid-hero-media::after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(90deg,rgba(8,26,51,.08),rgba(8,26,51,.42));
      pointer-events:none;
    }

    .aid-hero-copy{
      padding:38px;
      display:flex;
      flex-direction:column;
      justify-content:center;
      background:
        radial-gradient(circle at 18% 18%,rgba(255,122,26,.25),transparent 31%),
        linear-gradient(135deg,#081a33 0%,#0b1f3a 55%,#0b67ae 100%);
      color:#fff;
    }

    .aid-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.15);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .aid-hero-copy h2{
      color:#fff;
      font-size:39px;
      line-height:1.08;
    }

    .aid-hero-copy p{
      color:#eaf2ff;
    }

    .aid-hero-copy a{
      color:#bfdbfe;
    }

    .aid-lede{
      font-size:18px;
      line-height:1.72;
    }

    .aid-hero-caption{
      margin:0;
      padding:13px 18px;
      background:#f8fafc;
      color:#475569;
      font-size:13px;
      line-height:1.45;
      border-top:1px solid #e2e8f0;
    }

    .aid-discount-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:0;
      border-top:1px solid #e2e8f0;
      background:#fff;
    }

    .aid-strip-item{
      padding:18px 20px;
      border-right:1px solid #e2e8f0;
      background:#fff;
    }

    .aid-strip-item:nth-child(2){
      background:#eff6ff;
    }

    .aid-strip-item:nth-child(3){
      background:#fff7ed;
    }

    .aid-strip-item:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .aid-strip-item strong{
      display:block;
      margin:0 0 4px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .aid-strip-item span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .aid-note{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .aid-note strong{
      color:#9a3412;
      font-weight:900;
    }

    .aid-section{
      margin:46px 0;
    }

    .aid-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .aid-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .aid-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .aid-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .aid-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .aid-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .aid-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .aid-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .aid-card p:last-child{
      margin-bottom:0;
    }

    .aid-list,
    .aid-numbered{
      margin:0 0 20px;
      padding-left:22px;
    }

    .aid-list li,
    .aid-numbered li{
      margin:0 0 12px;
    }

    .aid-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .aid-table{
      width:100%;
      border-collapse:collapse;
      min-width:790px;
      background:#fff;
    }

    .aid-table th,
    .aid-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .aid-table th{
      background:#0b1f3a;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .aid-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .aid-table tr:last-child td{
      border-bottom:0;
    }

    .aid-steps{
      display:grid;
      grid-template-columns:320px minmax(0,1fr);
      gap:26px;
      align-items:start;
      margin:46px 0;
    }

    .aid-step-side{
      padding:24px;
      border-radius:28px;
      background:linear-gradient(135deg,#0b1f3a,#12335f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.20);
    }

    .aid-step-side h2,
    .aid-step-side h3{
      color:#fff;
    }

    .aid-step-side p,
    .aid-step-side li{
      color:#e2e8f0;
      font-size:15px;
      line-height:1.6;
    }

    .aid-step-list{
      display:grid;
      gap:14px;
    }

    .aid-step{
      display:grid;
      grid-template-columns:56px minmax(0,1fr);
      gap:15px;
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .aid-step-num{
      width:50px;
      height:50px;
      border-radius:17px;
      display:flex;
      align-items:center;
      justify-content:center;
      background:#eef6ff;
      color:#0b67ae;
      font-size:20px;
      font-weight:950;
    }

    .aid-step p{
      margin-bottom:0;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .aid-channel-band{
      margin:46px 0;
      display:grid;
      grid-template-columns:minmax(0,.86fr) minmax(340px,1.14fr);
      gap:24px;
      align-items:center;
      padding:26px;
      border-radius:30px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 100%);
      border:1px solid #dbeafe;
      box-shadow:0 18px 42px rgba(15,23,42,.065);
    }

    .aid-channel-box{
      padding:24px;
      border-radius:24px;
      background:#fff;
      border:1px solid #bfdbfe;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .aid-channel-button{
      display:inline-flex;
      align-items:center;
      justify-content:center;
      min-height:46px;
      border-radius:12px;
      padding:0 18px;
      background:#0b67ae;
      color:#fff!important;
      font-size:15px;
      font-weight:850;
      text-decoration:none!important;
      -webkit-text-fill-color:#fff;
    }

    .aid-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .aid-faq summary{
      cursor:pointer;
      color:#0b1f3a;
      font-weight:850;
      list-style:none;
    }

    .aid-faq summary::-webkit-details-marker{
      display:none;
    }

    .aid-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .aid-cta{
      margin:46px 0 36px;
      display:grid;
      grid-template-columns:minmax(0,.9fr) minmax(360px,1.1fr);
      gap:24px;
      align-items:stretch;
      padding:28px;
      border-radius:32px;
      background:
        radial-gradient(circle at 8% 12%,rgba(255,122,26,.18),transparent 32%),
        linear-gradient(135deg,#f8fafc,#fff);
      border:1px solid #dbeafe;
      box-shadow:0 20px 48px rgba(15,23,42,.08);
    }

    .aid-cta-copy{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#0b1f3a,#12335f);
      color:#fff;
    }

    .aid-cta-copy h2{
      color:#fff;
    }

    .aid-cta-copy p{
      color:#e2e8f0;
    }

    .aid-form-grid{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:14px;
    }

    .aid-field label{
      display:block;
      margin:0 0 6px;
      color:#0b1f3a;
      font-size:14px;
      line-height:1.35;
      font-weight:850;
    }

    .aid-field select,
    .aid-field input{
      width:100%;
      min-height:46px;
      border:1px solid #cbd5e1;
      border-radius:12px;
      background:#fff;
      color:#0f172a;
      padding:0 12px;
      font-size:15px;
      outline:none;
    }

    .aid-price-box{
      margin:16px 0 0;
      padding:20px;
      border-radius:20px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
    }

    .aid-price-box strong{
      display:block;
      color:#9a3412;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      margin-bottom:4px;
    }

    .aid-price-box span{
      display:block;
      color:#0b1f3a;
      font-size:34px;
      line-height:1.1;
      font-weight:950;
    }

    .aid-actions{
      display:flex;
      flex-wrap:wrap;
      gap:10px;
      margin-top:16px;
    }

    .aid-btn,
    .aid-link-btn{
      display:inline-flex;
      align-items:center;
      justify-content:center;
      min-height:46px;
      border:0;
      border-radius:12px;
      padding:0 18px;
      background:#ff7a1a;
      color:#fff!important;
      font-size:15px;
      font-weight:850;
      cursor:pointer;
      text-decoration:none!important;
      -webkit-text-fill-color:#fff;
    }

    .aid-link-btn{
      width:100%;
      background:#0b67ae;
    }

    .aid-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .aid-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .aid-refs h3{
      margin:0 0 12px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .aid-refs ol{
      margin:0;
      padding-left:20px;
    }

    .aid-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .aid-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .aid-author-top,
      .aid-hero-top,
      .aid-discount-strip,
      .aid-grid-2,
      .aid-grid-3,
      .aid-steps,
      .aid-channel-band,
      .aid-cta{
        grid-template-columns:1fr;
      }

      .aid-author-date{
        text-align:left;
        white-space:normal;
        padding-top:0;
      }

      .aid-author-role{
        padding-left:0;
      }

      .aid-strip-item{
        border-right:0;
        border-bottom:1px solid #e2e8f0;
      }

      .aid-strip-item:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .aid-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .aid-page h2{
        font-size:28px;
      }

      .aid-hero-copy,
      .aid-channel-band,
      .aid-cta,
      .aid-cta-copy{
        padding:22px;
      }

      .aid-hero-copy h2{
        font-size:31px;
      }

      .aid-step,
      .aid-form-grid{
        grid-template-columns:1fr;
      }
    }
    
    /* ==============================================================
    https://loyainsurance.org/compare-auto-insurance-quotes-best-rates/
    ================================================================== */
    .ciq-page,
    .ciq-page *{box-sizing:border-box;}

    .ciq-page{
      max-width:1180px;
      margin:0 auto;
      padding:0 24px 58px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .ciq-page p{margin:0 0 18px;}
    .ciq-page h2{
      margin:0 0 16px;
      color:#0b1f3a;
      font-size:34px;
      line-height:1.14;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .ciq-page h3{
      margin:0 0 11px;
      color:#0b1f3a;
      font-size:23px;
      line-height:1.22;
      font-weight:850;
    }

    .ciq-page h4{
      margin:0 0 8px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .ciq-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .ciq-author{
      margin:18px 0 32px;
      border-radius:24px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
    }

    .ciq-author-top{
      display:grid;
      grid-template-columns:72px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 52%,#fff7ed 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .ciq-author img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .ciq-badge{
      display:inline-flex;
      margin:0 0 7px;
      padding:6px 11px;
      border-radius:999px;
      background:#0b1f3a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .ciq-author-name{
      margin:0;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .ciq-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .ciq-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .ciq-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .ciq-author details{margin:0;}

    .ciq-author summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .ciq-author summary::-webkit-details-marker{display:none;}

    .ciq-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .ciq-author details[open] .ciq-caret{transform:rotate(180deg);}

    .ciq-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:850px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .ciq-author-panel p{margin:0 0 10px!important;}
    .ciq-author-panel p:last-child{margin-bottom:0!important;}

    .ciq-hero{
      margin:0 0 38px;
      border-radius:34px;
      overflow:hidden;
      background:#0b1f3a;
      border:1px solid #dbeafe;
      box-shadow:0 22px 54px rgba(15,23,42,.12);
    }

    .ciq-hero-grid{
      display:grid;
      grid-template-columns:minmax(0,.88fr) minmax(360px,1.12fr);
      min-height:430px;
    }

    .ciq-hero-copy{
      padding:38px;
      color:#fff;
      background:
        radial-gradient(circle at 12% 16%,rgba(255,122,26,.30),transparent 33%),
        linear-gradient(135deg,#081a33 0%,#0b1f3a 60%,#0b67ae 100%);
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .ciq-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.15);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .ciq-hero-copy h2{
      color:#fff;
      font-size:39px;
      line-height:1.08;
    }

    .ciq-hero-copy p{color:#eaf2ff;}
    .ciq-hero-copy a{color:#bfdbfe;}

    .ciq-lede{
      font-size:18px;
      line-height:1.72;
    }

    .ciq-hero-media{
      display:flex;
      flex-direction:column;
      background:#fff;
    }

    .ciq-hero-media figure{
      margin:0;
      flex:1;
      display:flex;
      flex-direction:column;
    }

    .ciq-hero-media img{
      display:block;
      width:100%;
      height:100%;
      min-height:340px;
      object-fit:cover;
      flex:1;
    }

    .ciq-hero-media figcaption{
      margin:0;
      padding:13px 15px;
      color:#475569;
      background:#f8fafc;
      font-size:13px;
      line-height:1.45;
      border-top:1px solid #e2e8f0;
    }

    .ciq-trust{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:0;
      border-top:1px solid #e2e8f0;
      background:#fff;
    }

    .ciq-trust-item{
      padding:18px 20px;
      border-right:1px solid #e2e8f0;
      background:#fff;
    }

    .ciq-trust-item:nth-child(2){background:#eff6ff;}
    .ciq-trust-item:nth-child(3){background:#fff7ed;}
    .ciq-trust-item:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .ciq-trust-item strong{
      display:block;
      margin:0 0 4px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .ciq-trust-item span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .ciq-note{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .ciq-note strong{
      color:#9a3412;
      font-weight:900;
    }

    .ciq-section{margin:46px 0;}

    .ciq-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .ciq-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .ciq-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .ciq-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .ciq-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .ciq-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .ciq-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .ciq-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .ciq-card p:last-child{margin-bottom:0;}

    .ciq-list,
    .ciq-numbered{
      margin:0 0 20px;
      padding-left:22px;
    }

    .ciq-list li,
    .ciq-numbered li{
      margin:0 0 12px;
    }

    .ciq-process{
      margin:28px 0 0;
      display:grid;
      grid-template-columns:repeat(5,minmax(0,1fr));
      gap:12px;
    }

    .ciq-process-step{
      padding:18px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .ciq-process-step span{
      width:42px;
      height:42px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:15px;
      background:#eef6ff;
      color:#0b67ae;
      font-size:18px;
      font-weight:950;
    }

    .ciq-process-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .ciq-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .ciq-table{
      width:100%;
      border-collapse:collapse;
      min-width:790px;
      background:#fff;
    }

    .ciq-table th,
    .ciq-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .ciq-table th{
      background:#0b1f3a;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .ciq-table tbody tr:nth-child(even) td{background:#f8fafc;}
    .ciq-table tr:last-child td{border-bottom:0;}

    .ciq-split{
      display:grid;
      grid-template-columns:330px minmax(0,1fr);
      gap:26px;
      align-items:start;
      margin:46px 0;
    }

    .ciq-side{
      padding:24px;
      border-radius:28px;
      background:linear-gradient(135deg,#0b1f3a,#12335f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.20);
    }

    .ciq-side h2,
    .ciq-side h3{color:#fff;}
    .ciq-side p,
    .ciq-side li{
      color:#e2e8f0;
      font-size:15px;
      line-height:1.6;
    }

    .ciq-channel-band{
      margin:46px 0;
      display:grid;
      grid-template-columns:minmax(0,.92fr) minmax(320px,1.08fr);
      gap:24px;
      align-items:center;
      padding:26px;
      border-radius:30px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 100%);
      border:1px solid #dbeafe;
      box-shadow:0 18px 42px rgba(15,23,42,.065);
    }

    .ciq-channel-card{
      padding:22px;
      border-radius:24px;
      background:#fff;
      border:1px solid #bfdbfe;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .ciq-channel-button{
      display:inline-flex;
      align-items:center;
      justify-content:center;
      min-height:46px;
      margin-top:6px;
      padding:0 18px;
      border-radius:12px;
      background:#0b67ae;
      color:#fff!important;
      font-size:15px;
      font-weight:850;
      text-decoration:none!important;
    }

    .ciq-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .ciq-faq summary{
      cursor:pointer;
      color:#0b1f3a;
      font-weight:850;
      list-style:none;
    }

    .ciq-faq summary::-webkit-details-marker{display:none;}

    .ciq-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .ciq-cta{
      margin:46px 0 36px;
      display:grid;
      grid-template-columns:minmax(0,.9fr) minmax(360px,1.1fr);
      gap:24px;
      align-items:stretch;
      padding:28px;
      border-radius:32px;
      background:
        radial-gradient(circle at 8% 12%,rgba(255,122,26,.18),transparent 32%),
        linear-gradient(135deg,#f8fafc,#fff);
      border:1px solid #dbeafe;
      box-shadow:0 20px 48px rgba(15,23,42,.08);
    }

    .ciq-cta-copy{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#0b1f3a,#12335f);
      color:#fff;
    }

    .ciq-cta-copy h2{color:#fff;}
    .ciq-cta-copy p{color:#e2e8f0;}

    .ciq-form-grid{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:14px;
    }

    .ciq-field label{
      display:block;
      margin:0 0 6px;
      color:#0b1f3a;
      font-size:14px;
      line-height:1.35;
      font-weight:850;
    }

    .ciq-field select,
    .ciq-field input{
      width:100%;
      min-height:46px;
      border:1px solid #cbd5e1;
      border-radius:12px;
      background:#fff;
      color:#0f172a;
      padding:0 12px;
      font-size:15px;
      outline:none;
    }

    .ciq-price-box{
      margin:16px 0 0;
      padding:20px;
      border-radius:20px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
    }

    .ciq-price-box strong{
      display:block;
      color:#9a3412;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      margin-bottom:4px;
    }

    .ciq-price-box span{
      display:block;
      color:#0b1f3a;
      font-size:34px;
      line-height:1.1;
      font-weight:950;
    }

    .ciq-actions{
      display:flex;
      flex-wrap:wrap;
      gap:10px;
      margin-top:16px;
    }

    .ciq-btn,
    .ciq-link-btn{
      display:inline-flex;
      align-items:center;
      justify-content:center;
      min-height:46px;
      border:0;
      border-radius:12px;
      padding:0 18px;
      background:#ff7a1a;
      color:#fff!important;
      font-size:15px;
      font-weight:850;
      cursor:pointer;
      text-decoration:none!important;
      -webkit-text-fill-color:#fff;
    }

    .ciq-link-btn{
      width:100%;
      background:#0b67ae;
    }

    .ciq-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .ciq-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .ciq-refs h3{
      margin:0 0 12px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .ciq-refs ol{
      margin:0;
      padding-left:20px;
    }

    .ciq-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .ciq-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .ciq-author-top,
      .ciq-hero-grid,
      .ciq-trust,
      .ciq-grid-2,
      .ciq-grid-3,
      .ciq-process,
      .ciq-split,
      .ciq-channel-band,
      .ciq-cta{
        grid-template-columns:1fr;
      }

      .ciq-author-date{
        text-align:left;
        white-space:normal;
      }

      .ciq-trust-item{
        border-right:0;
        border-bottom:1px solid #e2e8f0;
      }

      .ciq-trust-item:last-child{border-bottom:0;}
    }

    @media(max-width:640px){
      .ciq-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .ciq-page h2{font-size:28px;}
      .ciq-hero-copy,
      .ciq-channel-band,
      .ciq-cta,
      .ciq-cta-copy{padding:22px;}

      .ciq-hero-copy h2{font-size:31px;}
      .ciq-form-grid{grid-template-columns:1fr;}
    }
    
    /* ================================================================
    https://loyainsurance.org/uninsured-motorist-coverage-claim-basics-steps/
    ================================================================= */
    .umc-page,
    .umc-page *{box-sizing:border-box;}

    .umc-page{
      max-width:1180px;
      margin:0 auto;
      padding:0 24px 58px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .umc-page p{margin:0 0 18px;}

    .umc-page h2{
      margin:0 0 16px;
      color:#0b1f3a;
      font-size:34px;
      line-height:1.14;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .umc-page h3{
      margin:0 0 11px;
      color:#0b1f3a;
      font-size:23px;
      line-height:1.22;
      font-weight:850;
    }

    .umc-page h4{
      margin:0 0 8px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .umc-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .umc-author{
      margin:18px 0 32px;
      border-radius:24px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
    }

    .umc-author-top{
      display:grid;
      grid-template-columns:minmax(0,1fr) auto;
      gap:18px;
      align-items:flex-start;
      padding:18px 20px;
      background:linear-gradient(135deg,#eef6ff 0%,#f8fafc 52%,#fff7ed 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .umc-badge{
      display:inline-flex;
      margin:0 0 9px;
      padding:6px 11px;
      border-radius:999px;
      background:#0b1f3a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .umc-author-name{
      display:flex;
      align-items:center;
      gap:12px;
      margin:0 0 4px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .umc-author-name img{
      width:52px;
      height:52px;
      border-radius:999px;
      object-fit:cover;
      flex:0 0 52px;
      border:2px solid #fff;
      box-shadow:0 8px 20px rgba(15,23,42,.12);
    }

    .umc-author-role{
      margin:0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
      padding-left:64px;
    }

    .umc-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
      padding-top:4px;
    }

    .umc-author-body{padding:16px 20px 18px;background:#fff;}

    .umc-author details{margin:0;}

    .umc-author summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:7px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .umc-author summary::-webkit-details-marker{display:none;}

    .umc-caret{display:inline-block;transition:transform .2s ease;font-size:12px;line-height:1;}
    .umc-author details[open] .umc-caret{transform:rotate(180deg);}

    .umc-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:850px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .umc-author-panel p{margin:0 0 10px!important;}
    .umc-author-panel p:last-child{margin-bottom:0!important;}

    .umc-hero{
      margin:0 0 38px;
      display:grid;
      grid-template-columns:minmax(0,.92fr) minmax(360px,1.08fr);
      gap:0;
      border-radius:34px;
      overflow:hidden;
      border:1px solid #dbeafe;
      background:#fff;
      box-shadow:0 22px 54px rgba(15,23,42,.12);
    }

    .umc-hero-copy{
      padding:38px;
      background:
        radial-gradient(circle at 12% 14%,rgba(255,122,26,.24),transparent 32%),
        linear-gradient(135deg,#081a33 0%,#0b1f3a 58%,#12335f 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .umc-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.15);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .umc-hero-copy h2{color:#fff;font-size:39px;line-height:1.08;}
    .umc-hero-copy p{color:#eaf2ff;}
    .umc-hero-copy a{color:#bfdbfe;}

    .umc-lede{font-size:18px;line-height:1.72;}

    .umc-hero-media{display:flex;flex-direction:column;background:#fff;}
    .umc-hero-media figure{margin:0;display:flex;flex-direction:column;min-height:100%;}
    .umc-hero-media img{display:block;width:100%;height:100%;min-height:390px;object-fit:cover;flex:1;}
    .umc-hero-media figcaption{margin:0;padding:13px 15px;color:#475569;background:#f8fafc;font-size:13px;line-height:1.45;border-top:1px solid #e2e8f0;}

    .umc-checkbar{
      margin:0 0 38px;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .umc-check{
      padding:18px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 12px 30px rgba(15,23,42,.05);
    }

    .umc-check:nth-child(1){background:linear-gradient(135deg,#eff6ff,#fff);border-color:#bfdbfe;}
    .umc-check:nth-child(2){background:linear-gradient(135deg,#ecfdf5,#fff);border-color:#bbf7d0;}
    .umc-check:nth-child(3){background:linear-gradient(135deg,#fff7ed,#fff);border-color:#fed7aa;}
    .umc-check:nth-child(4){background:linear-gradient(135deg,#f5f3ff,#fff);border-color:#ddd6fe;}

    .umc-check strong{display:block;margin:0 0 6px;color:#0b1f3a;font-size:18px;line-height:1.15;font-weight:950;}
    .umc-check span{display:block;color:#475569;font-size:14px;line-height:1.55;}

    .umc-note{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }
    .umc-note strong{color:#9a3412;font-weight:900;}

    .umc-section{margin:46px 0;}

    .umc-grid-2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px;margin:24px 0 0;}
    .umc-grid-3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;margin:24px 0 0;}

    .umc-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }
    .umc-card.blue{background:linear-gradient(135deg,#eff6ff,#fff);border-color:#bfdbfe;}
    .umc-card.green{background:linear-gradient(135deg,#ecfdf5,#fff);border-color:#bbf7d0;}
    .umc-card.orange{background:linear-gradient(135deg,#fff7ed,#fff);border-color:#fed7aa;}
    .umc-card.red{background:linear-gradient(135deg,#fef2f2,#fff);border-color:#fecaca;}
    .umc-card.purple{background:linear-gradient(135deg,#f5f3ff,#fff);border-color:#ddd6fe;}
    .umc-card p:last-child{margin-bottom:0;}

    .umc-list,.umc-numbered{margin:0 0 20px;padding-left:22px;}
    .umc-list li,.umc-numbered li{margin:0 0 12px;}

    .umc-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .umc-table{width:100%;border-collapse:collapse;min-width:800px;background:#fff;}
    .umc-table th,.umc-table td{padding:16px 18px;text-align:left;vertical-align:top;border-bottom:1px solid #e5e7eb;font-size:15px;line-height:1.55;}
    .umc-table th{background:#0b1f3a;color:#fff;font-size:14px;text-transform:uppercase;letter-spacing:.04em;font-weight:850;}
    .umc-table tbody tr:nth-child(even) td{background:#f8fafc;}
    .umc-table tr:last-child td{border-bottom:0;}

    .umc-timeline{
      margin:30px 0 0;
      position:relative;
      display:grid;
      gap:14px;
    }

    .umc-step{
      display:grid;
      grid-template-columns:62px minmax(0,1fr);
      gap:16px;
      align-items:start;
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .umc-step-num{
      width:56px;
      height:56px;
      border-radius:19px;
      display:flex;
      align-items:center;
      justify-content:center;
      background:#eef6ff;
      color:#0b67ae;
      font-size:21px;
      font-weight:950;
    }

    .umc-step p{margin-bottom:0;color:#475569;font-size:15px;line-height:1.6;}

    .umc-split{
      margin:46px 0;
      display:grid;
      grid-template-columns:330px minmax(0,1fr);
      gap:26px;
      align-items:start;
    }

    .umc-side{
      padding:24px;
      border-radius:28px;
      background:linear-gradient(135deg,#0b1f3a,#12335f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.20);
    }

    .umc-side h2,.umc-side h3{color:#fff;}
    .umc-side p,.umc-side li{color:#e2e8f0;font-size:15px;line-height:1.6;}

    .umc-channel{
      margin:46px 0;
      display:grid;
      grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);
      gap:24px;
      align-items:center;
      padding:26px;
      border-radius:30px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 100%);
      border:1px solid #dbeafe;
      box-shadow:0 18px 42px rgba(15,23,42,.065);
    }

    .umc-channel-card{
      padding:24px;
      border-radius:24px;
      background:#fff;
      border:1px solid #dbeafe;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .umc-channel-btn{
      display:inline-flex;
      align-items:center;
      justify-content:center;
      min-height:46px;
      border-radius:12px;
      padding:0 18px;
      background:#0b67ae;
      color:#fff!important;
      font-size:15px;
      font-weight:850;
      text-decoration:none!important;
      -webkit-text-fill-color:#fff;
    }

    .umc-quote{
      margin:30px 0;
      padding:24px 26px;
      border-radius:28px;
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border:1px solid #fed7aa;
      box-shadow:0 16px 36px rgba(15,23,42,.055);
    }

    .umc-quote blockquote{margin:0;color:#7c2d12;font-size:18px;line-height:1.65;font-weight:700;font-style:italic;}
    .umc-quote figcaption{margin-top:12px;color:#9a3412;font-weight:850;}

    .umc-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .umc-faq summary{cursor:pointer;color:#0b1f3a;font-weight:850;list-style:none;}
    .umc-faq summary::-webkit-details-marker{display:none;}
    .umc-faq p{margin:12px 0 0!important;color:#475569;font-size:15px;line-height:1.6;}

    .umc-cta{
      margin:46px 0 36px;
      display:grid;
      grid-template-columns:minmax(0,.92fr) minmax(360px,1.08fr);
      gap:24px;
      align-items:stretch;
      padding:28px;
      border-radius:32px;
      background:
        radial-gradient(circle at 8% 12%,rgba(255,122,26,.18),transparent 32%),
        linear-gradient(135deg,#f8fafc,#fff);
      border:1px solid #dbeafe;
      box-shadow:0 20px 48px rgba(15,23,42,.08);
    }

    .umc-cta-copy{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#0b1f3a,#12335f);
      color:#fff;
    }

    .umc-cta-copy h2{color:#fff;}
    .umc-cta-copy p{color:#e2e8f0;}

    .umc-form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;}
    .umc-field label{display:block;margin:0 0 6px;color:#0b1f3a;font-size:14px;line-height:1.35;font-weight:850;}
    .umc-field select,.umc-field input{width:100%;min-height:46px;border:1px solid #cbd5e1;border-radius:12px;background:#fff;color:#0f172a;padding:0 12px;font-size:15px;outline:none;}

    .umc-price-box{margin:16px 0 0;padding:20px;border-radius:20px;background:#fff7ed;border:1px solid #fed7aa;color:#7c2d12;}
    .umc-price-box strong{display:block;color:#9a3412;font-size:14px;text-transform:uppercase;letter-spacing:.04em;margin-bottom:4px;}
    .umc-price-box span{display:block;color:#0b1f3a;font-size:34px;line-height:1.1;font-weight:950;}

    .umc-actions{display:flex;flex-wrap:wrap;gap:10px;margin-top:16px;}
    .umc-btn,.umc-link-btn{display:inline-flex;align-items:center;justify-content:center;min-height:46px;border:0;border-radius:12px;padding:0 18px;background:#ff7a1a;color:#fff!important;font-size:15px;font-weight:850;cursor:pointer;text-decoration:none!important;-webkit-text-fill-color:#fff;}
    .umc-link-btn{width:100%;background:#0b67ae;}

    .umc-editorial{margin:34px 0;padding:18px 20px;border-radius:20px;background:#f8fafc;border:1px solid #e2e8f0;color:#475569;font-size:15px;line-height:1.65;}

    .umc-refs{margin-top:36px;padding-top:24px;border-top:1px solid #e5e7eb;}
    .umc-refs h3{margin:0 0 12px;color:#0b1f3a;font-size:22px;line-height:1.2;font-weight:900;}
    .umc-refs ol{margin:0;padding-left:20px;}
    .umc-refs li{margin:0 0 10px;color:#334155;font-size:15px;line-height:1.6;}
    .umc-ref-back{margin-left:6px;white-space:nowrap;text-decoration:none!important;font-weight:850;}

    @media(max-width:980px){
      .umc-author-top,
      .umc-hero,
      .umc-checkbar,
      .umc-grid-2,
      .umc-grid-3,
      .umc-split,
      .umc-channel,
      .umc-cta{grid-template-columns:1fr;}
      .umc-author-date{text-align:left;white-space:normal;padding-top:0;}
      .umc-author-role{padding-left:0;}
    }

    @media(max-width:640px){
      .umc-page{padding:0 18px 44px;font-size:16px;}
      .umc-page h2{font-size:28px;}
      .umc-hero-copy,.umc-channel,.umc-cta,.umc-cta-copy{padding:22px;}
      .umc-hero-copy h2{font-size:31px;}
      .umc-step,.umc-form-grid{grid-template-columns:1fr;}
    }
    
    /* ================================================================
    https://loyainsurance.org/consequences-of-driving-uninsured/
    ============================================================== */
    .loya-uninsured-page,.loya-uninsured-page *{box-sizing:border-box}
    .loya-uninsured-page{
      max-width:1160px;
      margin:0 auto;
      color:#0f172a;
      font-size:17px;
      line-height:1.72;
    }
    .loya-uninsured-page p{margin:0 0 18px}
    .loya-uninsured-page h2{
      font-size:34px;
      line-height:1.15;
      margin:0 0 18px;
      color:#082044;
      font-weight:900;
      letter-spacing:-.02em;
    }
    .loya-uninsured-page h3{
      font-size:23px;
      line-height:1.2;
      margin:0 0 12px;
      color:#082044;
      font-weight:850;
    }
    .loya-uninsured-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }
    .loya-author-card{
      margin:16px 0 28px;
      padding:18px 20px;
      border:1px solid #e2e8f0;
      border-radius:18px;
      background:#f8fafc;
      box-shadow:0 10px 30px rgba(15,23,42,.05);
    }
    .loya-author-top{
      display:flex;
      justify-content:space-between;
      gap:16px;
      align-items:flex-start;
      flex-wrap:wrap;
    }
    .loya-author-left{
      display:flex;
      gap:14px;
      align-items:flex-start;
      min-width:0;
      flex:1 1 auto;
    }
    .loya-author-photo{
      width:56px;
      height:56px;
      flex:0 0 56px;
      border-radius:999px;
      overflow:hidden;
      background:#082044;
      box-shadow:0 10px 20px rgba(8,32,68,.18);
    }
    .loya-author-photo img{
      width:100%;
      height:100%;
      object-fit:cover;
      display:block;
      border-radius:999px;
    }
    .loya-author-name{
      font-size:18px;
      font-weight:850;
      color:#082044;
      line-height:1.25;
      margin:0 0 4px;
    }
    .loya-author-role{
      font-size:14px;
      color:#64748b;
      margin:0 0 6px!important;
    }
    .loya-author-date{
      font-size:13px;
      color:#64748b;
      line-height:1.45;
      text-align:right;
      font-style:italic;
    }
    .loya-author-dropdown{margin-top:6px}
    .loya-author-dropdown summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:6px;
      color:#0b67ae;
      font-size:13px;
      font-weight:850;
      list-style:none;
      user-select:none;
    }
    .loya-author-dropdown summary::-webkit-details-marker{display:none}
    .loya-author-dropdown summary::marker{content:""}
    .loya-author-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }
    .loya-author-dropdown[open] .loya-author-caret{transform:rotate(180deg)}
    .loya-author-dropdown-content{
      margin-top:10px;
      padding:12px 14px;
      border-radius:14px;
      background:#fff;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:14px;
      line-height:1.6;
      max-width:760px;
    }
    .loya-author-dropdown-content p{margin:0 0 10px!important}
    .loya-author-dropdown-content p:last-child{margin-bottom:0!important}
    .loya-intro-grid{
      display:grid;
      grid-template-columns:minmax(0,1.05fr) minmax(320px,.95fr);
      gap:30px;
      align-items:center;
      margin:0 0 36px;
    }
    .loya-eyebrow{
      display:inline-flex;
      align-items:center;
      padding:8px 14px;
      border-radius:999px;
      background:#eaf3ff;
      color:#0b67ae;
      font-size:13px;
      font-weight:850;
      letter-spacing:.03em;
      text-transform:uppercase;
      margin:0 0 18px;
    }
    .loya-image-card{
      background:#fff;
      border:1px solid #e5e7eb;
      border-radius:26px;
      padding:14px;
      box-shadow:0 18px 44px rgba(15,23,42,.08);
    }
    .loya-image-card img{
      display:block;
      width:100%;
      height:auto;
      border-radius:20px;
    }
    .loya-cards{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:20px;
      margin:0 0 38px;
    }
    .loya-card{
      background:#fff;
      border:1px solid #e5e7eb;
      border-radius:22px;
      padding:22px;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      height:100%;
    }
    .loya-card.blue{background:linear-gradient(135deg,#eff6ff,#fff);border-color:#bfdbfe}
    .loya-card.green{background:linear-gradient(135deg,#ecfdf5,#fff);border-color:#bbf7d0}
    .loya-card.orange{background:linear-gradient(135deg,#fff7ed,#fff);border-color:#fed7aa}
    .loya-card.purple{background:linear-gradient(135deg,#f5f3ff,#fff);border-color:#ddd6fe}
    .loya-card p:last-child{margin-bottom:0}
    .loya-section{margin:42px 0}
    .loya-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border:1px solid #e5e7eb;
      border-radius:22px;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }
    .loya-table{
      width:100%;
      border-collapse:collapse;
      min-width:760px;
    }
    .loya-table th,
    .loya-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }
    .loya-table th{
      background:#082044;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }
    .loya-table tr:last-child td{border-bottom:0}
    .loya-two-col{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:22px;
      margin:22px 0 0;
    }
    .loya-checklist,
    .loya-numbered{
      margin:0 0 20px;
      padding-left:22px;
    }
    .loya-checklist li,
    .loya-numbered li{margin:0 0 12px}
    .loya-soft-note{
      margin:38px 0 24px;
      padding:13px 16px;
      border-radius:14px;
      background:#f8fafc;
      border:1px solid #e5e7eb;
      color:#64748b;
      font-size:13px;
      line-height:1.55;
    }
    .loya-soft-note strong{
      color:#082044;
      font-weight:850;
    }
    .loya-cta{
      margin:42px auto 10px;
      max-width:760px;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 22px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      color:#fff;
    }
    .loya-cta-title{
      display:block;
      color:#fff!important;
      font-size:28px;
      line-height:1.1;
      font-weight:900;
      margin:0 0 8px;
      text-align:center;
    }
    .loya-cta-text{
      display:block;
      color:#e2e8f0!important;
      font-size:15px;
      line-height:1.55;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
    }
    .loya-cta-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }
    .loya-cta-input{
      flex:0 1 180px;
      min-width:180px;
      max-width:180px;
      width:100%;
      height:46px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:12px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:46px;
      box-shadow:none;
      outline:none;
    }
    .loya-cta-btn{
      width:100%;
      height:46px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:12px;
      background:#ff7a1a;
      color:#fff!important;
      font-size:15px;
      line-height:1;
      font-weight:850;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#fff;
    }
    .loya-refs{
      margin-top:34px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }
    .loya-refs h3{
      font-size:22px;
      margin-bottom:12px;
    }
    .loya-refs ol{
      margin:0;
      padding-left:20px;
    }
    .loya-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }
    .loya-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }
    @media(max-width:980px){
      .loya-intro-grid,
      .loya-cards,
      .loya-two-col{grid-template-columns:1fr}
      .loya-author-date{text-align:left}
    }
    
    /* ==============================================================
    https://loyainsurance.org/cost-of-uninsured-motorist-coverage/
    ============================================================== */
    .loya-umcost-page,.loya-umcost-page *{box-sizing:border-box}
    .loya-umcost-page{
      max-width:1160px;
      margin:0 auto;
      color:#0f172a;
      font-size:17px;
      line-height:1.72;
    }
    .loya-umcost-page p{margin:0 0 18px}
    .loya-umcost-page h2{
      font-size:34px;
      line-height:1.15;
      margin:0 0 18px;
      color:#082044;
      font-weight:900;
      letter-spacing:-.02em;
    }
    .loya-umcost-page h3{
      font-size:23px;
      line-height:1.2;
      margin:0 0 12px;
      color:#082044;
      font-weight:850;
    }
    .loya-umcost-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }
    .loya-author-card{
      margin:16px 0 28px;
      padding:18px 20px;
      border:1px solid #e2e8f0;
      border-radius:18px;
      background:#f8fafc;
      box-shadow:0 10px 30px rgba(15,23,42,.05);
    }
    .loya-author-top{
      display:flex;
      justify-content:space-between;
      gap:16px;
      align-items:flex-start;
      flex-wrap:wrap;
    }
    .loya-author-left{
      display:flex;
      gap:14px;
      align-items:flex-start;
      min-width:0;
      flex:1 1 auto;
    }
    .loya-author-photo{
      width:56px;
      height:56px;
      flex:0 0 56px;
      border-radius:999px;
      overflow:hidden;
      background:#082044;
      box-shadow:0 10px 20px rgba(8,32,68,.18);
    }
    .loya-author-photo img{
      width:100%;
      height:100%;
      object-fit:cover;
      display:block;
      border-radius:999px;
    }
    .loya-author-name{
      font-size:18px;
      font-weight:850;
      color:#082044;
      line-height:1.25;
      margin:0 0 4px;
    }
    .loya-author-role{
      font-size:14px;
      color:#64748b;
      margin:0 0 6px!important;
    }
    .loya-author-date{
      font-size:13px;
      color:#64748b;
      line-height:1.45;
      text-align:right;
      font-style:italic;
    }
    .loya-author-dropdown{
      margin-top:6px;
    }
    .loya-author-dropdown summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:6px;
      color:#0b67ae;
      font-size:13px;
      font-weight:850;
      list-style:none;
      user-select:none;
    }
    .loya-author-dropdown summary::-webkit-details-marker{display:none}
    .loya-author-dropdown summary::marker{content:""}
    .loya-author-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }
    .loya-author-dropdown[open] .loya-author-caret{
      transform:rotate(180deg);
    }
    .loya-author-dropdown-content{
      margin-top:10px;
      padding:12px 14px;
      border-radius:14px;
      background:#fff;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:14px;
      line-height:1.6;
      max-width:760px;
    }
    .loya-author-dropdown-content p{
      margin:0 0 10px!important;
    }
    .loya-author-dropdown-content p:last-child{
      margin-bottom:0!important;
    }
    .loya-intro-grid{
      display:grid;
      grid-template-columns:minmax(0,1.06fr) minmax(320px,.94fr);
      gap:30px;
      align-items:center;
      margin:0 0 36px;
    }
    .loya-eyebrow{
      display:inline-flex;
      align-items:center;
      padding:8px 14px;
      border-radius:999px;
      background:#eaf3ff;
      color:#0b67ae;
      font-size:13px;
      font-weight:850;
      letter-spacing:.03em;
      text-transform:uppercase;
      margin:0 0 18px;
    }
    .loya-image-card{
      background:#fff;
      border:1px solid #e5e7eb;
      border-radius:26px;
      padding:14px;
      box-shadow:0 18px 44px rgba(15,23,42,.08);
    }
    .loya-image-card img{
      display:block;
      width:100%;
      height:auto;
      border-radius:20px;
    }
    .loya-cards{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:20px;
      margin:0 0 38px;
    }
    .loya-card{
      background:#fff;
      border:1px solid #e5e7eb;
      border-radius:22px;
      padding:22px;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      height:100%;
    }
    .loya-card.blue{background:linear-gradient(135deg,#eff6ff,#fff);border-color:#bfdbfe}
    .loya-card.green{background:linear-gradient(135deg,#ecfdf5,#fff);border-color:#bbf7d0}
    .loya-card.orange{background:linear-gradient(135deg,#fff7ed,#fff);border-color:#fed7aa}
    .loya-card.purple{background:linear-gradient(135deg,#f5f3ff,#fff);border-color:#ddd6fe}
    .loya-card p:last-child{margin-bottom:0}
    .loya-section{
      margin:42px 0;
    }
    .loya-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border:1px solid #e5e7eb;
      border-radius:22px;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }
    .loya-table{
      width:100%;
      border-collapse:collapse;
      min-width:760px;
    }
    .loya-table th,
    .loya-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }
    .loya-table th{
      background:#082044;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }
    .loya-table tr:last-child td{border-bottom:0}
    .loya-two-col{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:22px;
      margin:22px 0 0;
    }
    .loya-checklist,
    .loya-numbered{
      margin:0 0 20px;
      padding-left:22px;
    }
    .loya-checklist li,
    .loya-numbered li{
      margin:0 0 12px;
    }
    .loya-soft-note{
      margin:38px 0 24px;
      padding:13px 16px;
      border-radius:14px;
      background:#f8fafc;
      border:1px solid #e5e7eb;
      color:#64748b;
      font-size:13px;
      line-height:1.55;
    }
    .loya-soft-note strong{
      color:#082044;
      font-weight:850;
    }
    .loya-cta{
      margin:42px auto 10px;
      max-width:760px;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 22px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      color:#fff;
    }
    .loya-cta-title{
      display:block;
      color:#fff!important;
      font-size:28px;
      line-height:1.1;
      font-weight:900;
      margin:0 0 8px;
      text-align:center;
    }
    .loya-cta-text{
      display:block;
      color:#e2e8f0!important;
      font-size:15px;
      line-height:1.55;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
    }
    .loya-cta-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }
    .loya-cta-input{
      flex:0 1 180px;
      min-width:180px;
      max-width:180px;
      width:100%;
      height:46px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:12px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:46px;
      box-shadow:none;
      outline:none;
    }
    .loya-cta-btn{
      width:100%;
      height:46px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:12px;
      background:#ff7a1a;
      color:#fff!important;
      font-size:15px;
      line-height:1;
      font-weight:850;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#fff;
    }
    .loya-refs{
      margin-top:34px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }
    .loya-refs h3{
      font-size:22px;
      margin-bottom:12px;
    }
    .loya-refs ol{
      margin:0;
      padding-left:20px;
    }
    .loya-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }
    .loya-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }
    @media(max-width:980px){
      .loya-intro-grid,
      .loya-cards,
      .loya-two-col{
        grid-template-columns:1fr;
      }
      .loya-author-date{
        text-align:left;
      }
    }
    /* =========================================================
   Fix spacing - cost of uninsured motorist coverage
========================================================= */

.loya-umcost-page .loya-section {
  margin: 28px 0 !important;
}

.loya-umcost-page .loya-section h2 {
  margin: 0 0 12px !important;
}

.loya-umcost-page .loya-section h3 {
  margin: 0 0 10px !important;
}

.loya-umcost-page .loya-section p {
  margin: 0 0 14px !important;
}

.loya-umcost-page .loya-cards {
  margin: 18px 0 24px !important;
  gap: 18px !important;
}

.loya-umcost-page .loya-card {
  padding: 20px !important;
}

.loya-umcost-page .loya-table-wrap {
  margin: 16px 0 24px !important;
}

.loya-umcost-page .loya-two-col {
  margin: 16px 0 0 !important;
  gap: 18px !important;
}

.loya-umcost-page .loya-soft-note {
  margin: 22px 0 18px !important;
}

.loya-umcost-page .loya-image-card {
  margin-bottom: 0 !important;
}

.loya-umcost-page .loya-intro-grid {
  margin: 0 0 28px !important;
}

.loya-umcost-page p:empty {
  display: none !important;
  margin: 0 !important;
  padding: 0 !important;
}

.loya-umcost-page .wp-block-spacer {
  height: 18px !important;
  max-height: 18px !important;
  min-height: 0 !important;
  margin: 0 !important;
  padding: 0 !important;
}

@media (max-width: 980px) {
  .loya-umcost-page .loya-section {
    margin: 24px 0 !important;
  }

  .loya-umcost-page .loya-cards {
    margin: 16px 0 22px !important;
  }
}

@media (max-width: 640px) {
  .loya-umcost-page .loya-section {
    margin: 22px 0 !important;
  }

  .loya-umcost-page .loya-section h2 {
    margin-bottom: 10px !important;
  }

  .loya-umcost-page .loya-card {
    padding: 18px !important;
  }

  .loya-umcost-page .loya-table-wrap {
    margin: 14px 0 20px !important;
  }
}

/* =======================================================================
https://loyainsurance.org/understanding-uninsured-motorist-coverage-costs/
========================================================================== */
.umh-page,
    .umh-page *{
      box-sizing:border-box;
    }

    .umh-page{
      max-width:1180px;
      margin:0 auto;
      padding:0 24px 58px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .umh-page p{
      margin:0 0 18px;
    }

    .umh-page h2{
      margin:0 0 16px;
      color:#0b1f3a;
      font-size:34px;
      line-height:1.14;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .umh-page h3{
      margin:0 0 11px;
      color:#0b1f3a;
      font-size:23px;
      line-height:1.22;
      font-weight:850;
    }

    .umh-page h4{
      margin:0 0 8px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .umh-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .umh-author{
      margin:18px 0 30px;
      border-radius:24px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
    }

    .umh-author-top{
      display:grid;
      grid-template-columns:minmax(0,1fr) auto;
      gap:18px;
      align-items:flex-start;
      padding:18px 20px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 50%,#fff7ed 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .umh-badge{
      display:inline-flex;
      margin:0 0 9px;
      padding:6px 11px;
      border-radius:999px;
      background:#0b1f3a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .umh-author-name{
      display:flex;
      align-items:center;
      gap:12px;
      margin:0 0 4px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .umh-author-name img{
      width:54px;
      height:54px;
      border-radius:999px;
      object-fit:cover;
      flex:0 0 54px;
      border:2px solid #fff;
      box-shadow:0 8px 20px rgba(15,23,42,.12);
    }

    .umh-author-role{
      margin:0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
      padding-left:66px;
    }

    .umh-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
      padding-top:4px;
    }

    .umh-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .umh-author details{
      margin:0;
    }

    .umh-author summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .umh-author summary::-webkit-details-marker{
      display:none;
    }

    .umh-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .umh-author details[open] .umh-caret{
      transform:rotate(180deg);
    }

    .umh-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .umh-author-panel p{
      margin:0 0 10px!important;
    }

    .umh-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .umh-hero{
      margin:0 0 36px;
      display:grid;
      grid-template-columns:minmax(0,.96fr) minmax(330px,1.04fr);
      overflow:hidden;
      border-radius:34px;
      background:#0b1f3a;
      border:1px solid #dbeafe;
      box-shadow:0 22px 54px rgba(15,23,42,.12);
    }

    .umh-hero-copy{
      padding:38px;
      background:
        radial-gradient(circle at 14% 18%,rgba(255,122,26,.30),transparent 34%),
        linear-gradient(135deg,#081a33 0%,#0b1f3a 56%,#12335f 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .umh-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.15);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .umh-hero-copy h2{
      color:#fff;
      font-size:39px;
      line-height:1.08;
    }

    .umh-hero-copy p{
      color:#eaf2ff;
    }

    .umh-hero-copy a{
      color:#bfdbfe;
    }

    .umh-lede{
      font-size:18px;
      line-height:1.72;
    }

    .umh-hero-media{
      display:flex;
      flex-direction:column;
      background:#fff;
    }

    .umh-hero-media figure{
      margin:0;
      display:flex;
      min-height:440px;
      flex-direction:column;
      height:100%;
    }

    .umh-hero-media img{
      display:block;
      width:100%;
      height:100%;
      object-fit:cover;
      flex:1;
    }

    .umh-hero-media figcaption{
      margin:0;
      padding:13px 16px;
      color:#475569;
      background:#f8fafc;
      font-size:13px;
      line-height:1.45;
      border-top:1px solid #e2e8f0;
    }

    .umh-stats{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
      margin:0 0 36px;
    }

    .umh-stat{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.05);
    }

    .umh-stat.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .umh-stat.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .umh-stat.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .umh-stat.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .umh-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .umh-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.55;
    }

    .umh-note{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .umh-note strong{
      color:#9a3412;
      font-weight:900;
    }

    .umh-section{
      margin:46px 0;
    }

    .umh-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .umh-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .umh-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .umh-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .umh-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .umh-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .umh-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .umh-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .umh-card p:last-child{
      margin-bottom:0;
    }

    .umh-list,
    .umh-numbered{
      margin:0 0 20px;
      padding-left:22px;
    }

    .umh-list li,
    .umh-numbered li{
      margin:0 0 12px;
    }

    .umh-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .umh-table{
      width:100%;
      border-collapse:collapse;
      min-width:800px;
      background:#fff;
    }

    .umh-table th,
    .umh-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .umh-table th{
      background:#0b1f3a;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .umh-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .umh-table tr:last-child td{
      border-bottom:0;
    }

    .umh-split{
      margin:46px 0;
      display:grid;
      grid-template-columns:minmax(0,1fr) 330px;
      gap:26px;
      align-items:start;
    }

    .umh-panel{
      padding:24px;
      border-radius:28px;
      background:linear-gradient(135deg,#0b1f3a,#12335f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.20);
    }

    .umh-panel h2,
    .umh-panel h3{
      color:#fff;
    }

    .umh-panel p,
    .umh-panel li{
      color:#e2e8f0;
      font-size:15px;
      line-height:1.6;
    }

    .umh-youtube{
      margin:44px 0;
      display:grid;
      grid-template-columns:minmax(0,.75fr) minmax(0,1.25fr);
      gap:24px;
      align-items:center;
      padding:26px;
      border-radius:30px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 100%);
      border:1px solid #dbeafe;
      box-shadow:0 18px 42px rgba(15,23,42,.065);
    }

    .umh-youtube-card{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#0b1f3a,#12335f);
      color:#fff;
    }

    .umh-youtube-card h2,
    .umh-youtube-card p{
      color:#fff;
    }

    .umh-youtube-card a{
      color:#bfdbfe;
    }

    .umh-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .umh-faq summary{
      cursor:pointer;
      color:#0b1f3a;
      font-weight:850;
      list-style:none;
    }

    .umh-faq summary::-webkit-details-marker{
      display:none;
    }

    .umh-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .umh-cta{
      margin:46px 0 36px;
      display:grid;
      grid-template-columns:minmax(0,.88fr) minmax(360px,1.12fr);
      gap:24px;
      align-items:stretch;
      padding:28px;
      border-radius:32px;
      background:
        radial-gradient(circle at 8% 12%,rgba(255,122,26,.18),transparent 32%),
        linear-gradient(135deg,#f8fafc,#fff);
      border:1px solid #dbeafe;
      box-shadow:0 20px 48px rgba(15,23,42,.08);
    }

    .umh-cta-copy{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#0b1f3a,#12335f);
      color:#fff;
    }

    .umh-cta-copy h2{
      color:#fff;
    }

    .umh-cta-copy p{
      color:#e2e8f0;
    }

    .umh-form-grid{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:14px;
    }

    .umh-field label{
      display:block;
      margin:0 0 6px;
      color:#0b1f3a;
      font-size:14px;
      line-height:1.35;
      font-weight:850;
    }

    .umh-field select,
    .umh-field input{
      width:100%;
      min-height:46px;
      border:1px solid #cbd5e1;
      border-radius:12px;
      background:#fff;
      color:#0f172a;
      padding:0 12px;
      font-size:15px;
      outline:none;
    }

    .umh-price-box{
      margin:16px 0 0;
      padding:20px;
      border-radius:20px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
    }

    .umh-price-box strong{
      display:block;
      color:#9a3412;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      margin-bottom:4px;
    }

    .umh-price-box span{
      display:block;
      color:#0b1f3a;
      font-size:34px;
      line-height:1.1;
      font-weight:950;
    }

    .umh-actions{
      display:flex;
      flex-wrap:wrap;
      gap:10px;
      margin-top:16px;
    }

    .umh-btn,
    .umh-link-btn{
      display:inline-flex;
      align-items:center;
      justify-content:center;
      min-height:46px;
      border:0;
      border-radius:12px;
      padding:0 18px;
      background:#ff7a1a;
      color:#fff!important;
      font-size:15px;
      font-weight:850;
      cursor:pointer;
      text-decoration:none!important;
      -webkit-text-fill-color:#fff;
    }

    .umh-link-btn{
      width:100%;
      background:#0b67ae;
    }

    .umh-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .umh-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .umh-refs h3{
      margin:0 0 12px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .umh-refs ol{
      margin:0;
      padding-left:20px;
    }

    .umh-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .umh-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .umh-author-top,
      .umh-hero,
      .umh-stats,
      .umh-grid-2,
      .umh-grid-3,
      .umh-split,
      .umh-youtube,
      .umh-cta{
        grid-template-columns:1fr;
      }

      .umh-author-date{
        text-align:left;
        white-space:normal;
      }

      .umh-author-role{
        padding-left:0;
      }

      .umh-hero-media figure{
        min-height:320px;
      }
    }

    @media(max-width:640px){
      .umh-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .umh-page h2{
        font-size:28px;
      }

      .umh-hero-copy,
      .umh-youtube,
      .umh-youtube-card,
      .umh-cta,
      .umh-cta-copy{
        padding:22px;
      }

      .umh-hero-copy h2{
        font-size:31px;
      }

      .umh-form-grid{
        grid-template-columns:1fr;
      }
    }
    
    /* ================================================================
    https://loyainsurance.org/uninsured-and-underinsured-coverage-explained/
    ======================================================================== */
     .loya-uim-page,.loya-uim-page *{box-sizing:border-box}
    .loya-uim-page{
      max-width:1160px;
      margin:0 auto;
      color:#0f172a;
      font-size:17px;
      line-height:1.72;
    }
    .loya-uim-page p{margin:0 0 18px}
    .loya-uim-page h2{
      font-size:34px;
      line-height:1.15;
      margin:0 0 18px;
      color:#082044;
      font-weight:900;
      letter-spacing:-.02em;
    }
    .loya-uim-page h3{
      font-size:23px;
      line-height:1.2;
      margin:0 0 12px;
      color:#082044;
      font-weight:850;
    }
    .loya-uim-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }
    .loya-author-card{
      margin:16px 0 28px;
      padding:18px 20px;
      border:1px solid #e2e8f0;
      border-radius:18px;
      background:#f8fafc;
      box-shadow:0 10px 30px rgba(15,23,42,.05);
    }
    .loya-author-top{
      display:flex;
      justify-content:space-between;
      gap:16px;
      align-items:flex-start;
      flex-wrap:wrap;
    }
    .loya-author-left{
      display:flex;
      gap:14px;
      align-items:flex-start;
      min-width:0;
      flex:1 1 auto;
    }
    .loya-author-photo{
      width:56px;
      height:56px;
      flex:0 0 56px;
      border-radius:999px;
      overflow:hidden;
      background:#082044;
      box-shadow:0 10px 20px rgba(8,32,68,.18);
    }
    .loya-author-photo img{
      width:100%;
      height:100%;
      object-fit:cover;
      display:block;
      border-radius:999px;
    }
    .loya-author-name{
      font-size:18px;
      font-weight:850;
      color:#082044;
      line-height:1.25;
      margin:0 0 4px;
    }
    .loya-author-role{
      font-size:14px;
      color:#64748b;
      margin:0 0 6px!important;
    }
    .loya-author-date{
      font-size:13px;
      color:#64748b;
      line-height:1.45;
      text-align:right;
      font-style:italic;
    }
    .loya-author-dropdown{
      margin-top:6px;
    }
    .loya-author-dropdown summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:6px;
      color:#0b67ae;
      font-size:13px;
      font-weight:850;
      list-style:none;
      user-select:none;
    }
    .loya-author-dropdown summary::-webkit-details-marker{display:none}
    .loya-author-dropdown summary::marker{content:""}
    .loya-author-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }
    .loya-author-dropdown[open] .loya-author-caret{
      transform:rotate(180deg);
    }
    .loya-author-dropdown-content{
      margin-top:10px;
      padding:12px 14px;
      border-radius:14px;
      background:#fff;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:14px;
      line-height:1.6;
      max-width:760px;
    }
    .loya-author-dropdown-content p{
      margin:0 0 10px!important;
    }
    .loya-author-dropdown-content p:last-child{
      margin-bottom:0!important;
    }
    .loya-intro-grid{
      display:grid;
      grid-template-columns:minmax(0,1.06fr) minmax(320px,.94fr);
      gap:30px;
      align-items:center;
      margin:0 0 36px;
    }
    .loya-eyebrow{
      display:inline-flex;
      align-items:center;
      padding:8px 14px;
      border-radius:999px;
      background:#eaf3ff;
      color:#0b67ae;
      font-size:13px;
      font-weight:850;
      letter-spacing:.03em;
      text-transform:uppercase;
      margin:0 0 18px;
    }
    .loya-image-card{
      background:#fff;
      border:1px solid #e5e7eb;
      border-radius:26px;
      padding:14px;
      box-shadow:0 18px 44px rgba(15,23,42,.08);
    }
    .loya-image-card img{
      display:block;
      width:100%;
      height:auto;
      border-radius:20px;
    }
    .loya-cards{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:20px;
      margin:0 0 38px;
    }
    .loya-card{
      background:#fff;
      border:1px solid #e5e7eb;
      border-radius:22px;
      padding:22px;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      height:100%;
    }
    .loya-card.blue{background:linear-gradient(135deg,#eff6ff,#fff);border-color:#bfdbfe}
    .loya-card.green{background:linear-gradient(135deg,#ecfdf5,#fff);border-color:#bbf7d0}
    .loya-card.orange{background:linear-gradient(135deg,#fff7ed,#fff);border-color:#fed7aa}
    .loya-card.purple{background:linear-gradient(135deg,#f5f3ff,#fff);border-color:#ddd6fe}
    .loya-card p:last-child{margin-bottom:0}
    .loya-section{
      margin:42px 0;
    }
    .loya-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border:1px solid #e5e7eb;
      border-radius:22px;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }
    .loya-table{
      width:100%;
      border-collapse:collapse;
      min-width:760px;
    }
    .loya-table th,
    .loya-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }
    .loya-table th{
      background:#082044;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }
    .loya-table tr:last-child td{border-bottom:0}
    .loya-two-col{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:22px;
      margin:22px 0 0;
    }
    .loya-checklist,
    .loya-numbered{
      margin:0 0 20px;
      padding-left:22px;
    }
    .loya-checklist li,
    .loya-numbered li{
      margin:0 0 12px;
    }
    .loya-soft-note{
      margin:38px 0 24px;
      padding:13px 16px;
      border-radius:14px;
      background:#f8fafc;
      border:1px solid #e5e7eb;
      color:#64748b;
      font-size:13px;
      line-height:1.55;
    }
    .loya-soft-note strong{
      color:#082044;
      font-weight:850;
    }
    .loya-cta{
      margin:42px auto 10px;
      max-width:760px;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 22px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      color:#fff;
    }
    .loya-cta-title{
      display:block;
      color:#fff!important;
      font-size:28px;
      line-height:1.1;
      font-weight:900;
      margin:0 0 8px;
      text-align:center;
    }
    .loya-cta-text{
      display:block;
      color:#e2e8f0!important;
      font-size:15px;
      line-height:1.55;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
    }
    .loya-cta-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }
    .loya-cta-input{
      flex:0 1 180px;
      min-width:180px;
      max-width:180px;
      width:100%;
      height:46px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:12px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:46px;
      box-shadow:none;
      outline:none;
    }
    .loya-cta-btn{
      width:100%;
      height:46px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:12px;
      background:#ff7a1a;
      color:#fff!important;
      font-size:15px;
      line-height:1;
      font-weight:850;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#fff;
    }
    .loya-refs{
      margin-top:34px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }
    .loya-refs h3{
      font-size:22px;
      margin-bottom:12px;
    }
    .loya-refs ol{
      margin:0;
      padding-left:20px;
    }
    .loya-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }
    .loya-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }
    @media(max-width:980px){
      .loya-intro-grid,
      .loya-cards,
      .loya-two-col{
        grid-template-columns:1fr;
      }
      .loya-author-date{
        text-align:left;
      }
    }
    /* =========================================================
   Fix spacing - uninsured and underinsured coverage explained
========================================================= */

.loya-uim-page .loya-section {
  margin: 28px 0 !important;
}

.loya-uim-page .loya-section h2 {
  margin: 0 0 12px !important;
}

.loya-uim-page .loya-section h3 {
  margin: 0 0 10px !important;
}

.loya-uim-page .loya-section p {
  margin: 0 0 14px !important;
}

.loya-uim-page .loya-cards {
  margin: 18px 0 24px !important;
  gap: 18px !important;
}

.loya-uim-page .loya-card {
  padding: 20px !important;
}

.loya-uim-page .loya-table-wrap {
  margin: 16px 0 24px !important;
}

.loya-uim-page .loya-two-col {
  margin: 16px 0 0 !important;
  gap: 18px !important;
}

.loya-uim-page .loya-soft-note {
  margin: 22px 0 18px !important;
}

.loya-uim-page .loya-image-card {
  margin-bottom: 0 !important;
}

.loya-uim-page .loya-intro-grid {
  margin: 0 0 28px !important;
}

.loya-uim-page p:empty {
  display: none !important;
  margin: 0 !important;
  padding: 0 !important;
}

.loya-uim-page .wp-block-spacer {
  height: 18px !important;
  max-height: 18px !important;
  min-height: 0 !important;
  margin: 0 !important;
  padding: 0 !important;
}

@media (max-width: 980px) {
  .loya-uim-page .loya-section {
    margin: 24px 0 !important;
  }

  .loya-uim-page .loya-cards {
    margin: 16px 0 22px !important;
  }
}

@media (max-width: 640px) {
  .loya-uim-page .loya-section {
    margin: 22px 0 !important;
  }

  .loya-uim-page .loya-section h2 {
    margin-bottom: 10px !important;
  }

  .loya-uim-page .loya-card {
    padding: 18px !important;
  }

  .loya-uim-page .loya-table-wrap {
    margin: 14px 0 20px !important;
  }
}

/* =======================================================================
https://loyainsurance.org/loya-insurance-deductibles/
===================================================== */
.loya-deductible-page,
  .loya-deductible-page *{
    box-sizing:border-box;
  }

  .loya-deductible-page{
    max-width:1160px;
    margin:0 auto;
    padding:0 24px 48px;
    color:#0f172a;
    font-size:17px;
    line-height:1.72;
  }

  .loya-deductible-page p{
    margin:0 0 18px;
  }

  .loya-deductible-page h2{
    font-size:34px;
    line-height:1.15;
    margin:42px 0 18px;
    color:#082044;
    font-weight:900;
    letter-spacing:-.02em;
  }

  .loya-deductible-page h3{
    font-size:23px;
    line-height:1.22;
    margin:0 0 12px;
    color:#082044;
    font-weight:850;
  }

  .loya-deductible-page a{
    color:#0b67ae;
    text-decoration:underline;
    text-underline-offset:2px;
  }

  .loya-author-card{
    margin:16px auto 28px;
    max-width:920px;
    padding:18px 20px;
    border:1px solid #e2e8f0;
    border-radius:18px;
    background:#f8fafc;
    box-shadow:0 10px 30px rgba(15,23,42,.05);
  }

  .loya-author-top{
    display:flex;
    justify-content:space-between;
    gap:18px;
    align-items:flex-start;
    flex-wrap:wrap;
  }

  .loya-author-left{
    display:flex;
    gap:14px;
    align-items:flex-start;
    min-width:0;
    flex:1 1 420px;
  }

  .loya-author-photo{
    width:56px;
    height:56px;
    flex:0 0 56px;
    border-radius:999px;
    overflow:hidden;
    background:#082044;
    box-shadow:0 10px 20px rgba(8,32,68,.18);
  }

  .loya-author-photo img{
    width:100%;
    height:100%;
    object-fit:cover;
    display:block;
    border-radius:999px;
  }

  .loya-author-name{
    font-size:18px;
    font-weight:850;
    color:#082044;
    line-height:1.25;
    margin:0 0 4px;
  }

  .loya-author-role{
    font-size:14px;
    color:#64748b;
    margin:0 0 6px!important;
  }

  .loya-author-date{
    font-size:13px;
    color:#64748b;
    line-height:1.45;
    text-align:right;
    font-style:italic;
  }

  .loya-author-dropdown{
    margin-top:6px;
  }

  .loya-author-dropdown summary{
    cursor:pointer;
    display:inline-flex;
    align-items:center;
    gap:6px;
    color:#0b67ae;
    font-size:13px;
    font-weight:850;
    list-style:none;
    user-select:none;
  }

  .loya-author-dropdown summary::-webkit-details-marker{
    display:none;
  }

  .loya-author-caret{
    display:inline-block;
    transition:transform .2s ease;
    font-size:12px;
    line-height:1;
  }

  .loya-author-dropdown[open] .loya-author-caret{
    transform:rotate(180deg);
  }

  .loya-author-dropdown-content{
    margin-top:10px;
    padding:12px 14px;
    border-radius:14px;
    background:#fff;
    border:1px solid #e2e8f0;
    color:#475569;
    font-size:14px;
    line-height:1.6;
    max-width:760px;
  }

  .loya-author-dropdown-content p{
    margin:0 0 10px!important;
  }

  .loya-author-dropdown-content p:last-child{
    margin-bottom:0!important;
  }

  .loya-hero-grid{
    display:grid;
    grid-template-columns:minmax(0,1.02fr) minmax(320px,.98fr);
    gap:30px;
    align-items:center;
    margin:0 0 34px;
  }

  .loya-eyebrow{
    display:inline-flex;
    align-items:center;
    padding:8px 14px;
    border-radius:999px;
    background:#eaf3ff;
    color:#0b67ae;
    font-size:13px;
    font-weight:850;
    letter-spacing:.03em;
    text-transform:uppercase;
    margin:0 0 18px;
  }

  .loya-lead-card{
    background:linear-gradient(135deg,#f8fafc,#ffffff);
    border:1px solid #e2e8f0;
    border-radius:26px;
    padding:26px;
    box-shadow:0 16px 42px rgba(15,23,42,.07);
  }

  .loya-lead-card p:last-child{
    margin-bottom:0;
  }

  .loya-image-panel{
    background:#fff;
    border:1px solid #e5e7eb;
    border-radius:28px;
    padding:14px;
    box-shadow:0 20px 48px rgba(15,23,42,.08);
  }

  .loya-image-panel img{
    display:block;
    width:100%;
    height:auto;
    border-radius:22px;
  }

  .loya-snapshot{
    display:grid;
    grid-template-columns:1.05fr .95fr;
    gap:22px;
    align-items:stretch;
    margin:26px 0 38px;
  }

  .loya-big-stat{
    border-radius:24px;
    padding:24px;
    background:linear-gradient(135deg,#082044,#123a6f);
    color:#fff;
    box-shadow:0 18px 42px rgba(8,32,68,.22);
  }

  .loya-big-stat span{
    display:block;
    font-size:13px;
    text-transform:uppercase;
    letter-spacing:.08em;
    font-weight:850;
    color:#bfdbfe;
    margin:0 0 8px;
  }

  .loya-big-stat strong{
    display:block;
    font-size:38px;
    line-height:1;
    margin:0 0 12px;
    color:#fff;
  }

  .loya-big-stat p{
    color:#e2e8f0;
    margin-bottom:0;
  }

  .loya-mini-list{
    display:grid;
    gap:14px;
  }

  .loya-mini-item{
    border-radius:20px;
    padding:18px 18px 16px;
    border:1px solid #e5e7eb;
    background:#fff;
    box-shadow:0 12px 30px rgba(15,23,42,.05);
  }

  .loya-mini-item strong{
    display:block;
    color:#082044;
    font-size:17px;
    margin:0 0 4px;
  }

  .loya-mini-item p{
    margin:0;
    color:#475569;
    font-size:15px;
    line-height:1.55;
  }

  .loya-card-row{
    display:grid;
    grid-template-columns:repeat(3,minmax(0,1fr));
    gap:20px;
    margin:24px 0 36px;
  }

  .loya-info-card{
    border:1px solid #e5e7eb;
    border-radius:22px;
    padding:22px;
    background:#fff;
    box-shadow:0 14px 34px rgba(15,23,42,.06);
  }

  .loya-info-card.blue{
    background:linear-gradient(135deg,#eff6ff,#fff);
    border-color:#bfdbfe;
  }

  .loya-info-card.green{
    background:linear-gradient(135deg,#ecfdf5,#fff);
    border-color:#bbf7d0;
  }

  .loya-info-card.orange{
    background:linear-gradient(135deg,#fff7ed,#fff);
    border-color:#fed7aa;
  }

  .loya-info-card.purple{
    background:linear-gradient(135deg,#f5f3ff,#fff);
    border-color:#ddd6fe;
  }

  .loya-info-card p:last-child{
    margin-bottom:0;
  }

  .loya-table-wrap{
    margin:24px 0 30px;
    overflow-x:auto;
    border:1px solid #e5e7eb;
    border-radius:22px;
    background:#fff;
    box-shadow:0 16px 36px rgba(15,23,42,.05);
  }

  .loya-table{
    width:100%;
    border-collapse:collapse;
    min-width:760px;
  }

  .loya-table th,
  .loya-table td{
    padding:16px 18px;
    text-align:left;
    vertical-align:top;
    border-bottom:1px solid #e5e7eb;
    font-size:15px;
    line-height:1.55;
  }

  .loya-table th{
    background:#082044;
    color:#fff;
    font-size:14px;
    text-transform:uppercase;
    letter-spacing:.04em;
    font-weight:850;
  }

  .loya-table tr:last-child td{
    border-bottom:0;
  }

  .loya-two-col{
    display:grid;
    grid-template-columns:repeat(2,minmax(0,1fr));
    gap:22px;
    margin:22px 0 34px;
  }

  .loya-checklist,
  .loya-numbered{
    margin:0 0 20px;
    padding-left:22px;
  }

  .loya-checklist li,
  .loya-numbered li{
    margin:0 0 12px;
  }

  .loya-callout{
    margin:28px 0;
    padding:20px 22px;
    border-radius:22px;
    background:#fff7ed;
    border:1px solid #fed7aa;
    color:#431407;
  }

  .loya-callout strong{
    color:#9a3412;
  }

  .loya-image-narrow{
    max-width:720px;
    margin:28px auto;
    background:#fff;
    border:1px solid #e5e7eb;
    border-radius:24px;
    padding:12px;
    box-shadow:0 16px 38px rgba(15,23,42,.06);
  }

  .loya-image-narrow img{
    display:block;
    width:100%;
    height:auto;
    border-radius:18px;
  }

  .loya-soft-note{
    margin:38px 0 24px;
    padding:13px 16px;
    border-radius:14px;
    background:#f8fafc;
    border:1px solid #e5e7eb;
    color:#64748b;
    font-size:13px;
    line-height:1.55;
  }

  .loya-soft-note strong{
    color:#082044;
    font-weight:850;
  }

  .loya-final-cta{
    margin:42px auto 10px;
    max-width:760px;
    background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
    border-radius:22px;
    padding:22px 22px 20px;
    box-shadow:0 16px 38px rgba(10,20,40,.20);
    color:#fff;
  }

  .loya-final-cta-title{
    display:block;
    color:#fff!important;
    font-size:28px;
    line-height:1.1;
    font-weight:900;
    margin:0 0 8px;
    text-align:center;
    -webkit-text-fill-color:#fff;
  }

  .loya-final-cta-text{
    display:block;
    color:#e2e8f0!important;
    font-size:15px;
    line-height:1.55;
    font-weight:500;
    margin:0 0 14px;
    text-align:center;
    -webkit-text-fill-color:#e2e8f0;
  }

  .loya-final-cta-form{
    display:flex;
    gap:10px;
    align-items:center;
    justify-content:center;
    flex-wrap:wrap;
    margin:0;
    padding:0;
    width:100%;
  }

  .loya-final-cta-input,
  .loya-final-cta-select{
    flex:1 1 180px;
    min-width:160px;
    max-width:190px;
    width:100%;
    height:46px;
    display:block;
    box-sizing:border-box;
    margin:0;
    padding:0 12px;
    border:none;
    border-radius:12px;
    background:#f3f4f6;
    color:#24324a;
    font-size:15px;
    line-height:46px;
    box-shadow:none;
    outline:none;
  }

  .loya-final-cta-select{
    cursor:pointer;
  }

  .loya-final-cta-button-wrap{
    flex:0 0 150px;
    min-width:150px;
    margin:0;
    padding:0;
  }

  .loya-final-cta-button{
    width:100%;
    height:46px;
    display:inline-flex;
    align-items:center;
    justify-content:center;
    box-sizing:border-box;
    border:none;
    border-radius:12px;
    background:#dc2626;
    color:#fff!important;
    font-size:15px;
    line-height:1;
    font-weight:850;
    text-align:center;
    padding:0 18px;
    cursor:pointer;
    -webkit-text-fill-color:#fff;
  }

  .loya-final-cta-button:hover{
    background:#b91c1c;
  }

  .loya-refs{
    margin-top:34px;
    padding-top:24px;
    border-top:1px solid #e5e7eb;
  }

  .loya-refs h2{
    margin-top:0;
    font-size:28px;
  }

  .loya-refs ol{
    margin:0;
    padding-left:20px;
  }

  .loya-refs li{
    margin:0 0 10px;
    color:#334155;
    font-size:15px;
    line-height:1.6;
  }

  .loya-ref-back{
    margin-left:6px;
    white-space:nowrap;
    text-decoration:none!important;
    font-weight:850;
  }

  @media(max-width:980px){
    .loya-hero-grid,
    .loya-snapshot,
    .loya-card-row,
    .loya-two-col{
      grid-template-columns:1fr;
    }

    .loya-author-date{
      text-align:left;
    }
  }

  @media(max-width:640px){
    .loya-deductible-page{
      padding:0 16px 40px;
      font-size:16px;
    }

    .loya-deductible-page h2{
      font-size:28px;
    }

    .loya-lead-card,
    .loya-final-cta{
      padding:20px;
    }

    .loya-final-cta-button-wrap,
    .loya-final-cta-input,
    .loya-final-cta-select{
      flex:1 1 100%;
      max-width:none;
    }
  }
  
  /* =================================================================
  https://loyainsurance.org/loya-non-owner-insurance/
 ======================================================= */
 .loya-nonowner-page,
  .loya-nonowner-page *{
    box-sizing:border-box;
  }

  .loya-nonowner-page{
    max-width:1160px;
    margin:0 auto;
    padding:0 24px 48px;
    color:#0f172a;
    font-size:17px;
    line-height:1.72;
  }

  .loya-nonowner-page p{
    margin:0 0 18px;
  }

  .loya-nonowner-page h2{
    font-size:34px;
    line-height:1.15;
    margin:42px 0 18px;
    color:#082044;
    font-weight:900;
    letter-spacing:-.02em;
  }

  .loya-nonowner-page h3{
    font-size:23px;
    line-height:1.22;
    margin:0 0 12px;
    color:#082044;
    font-weight:850;
  }

  .loya-nonowner-page a{
    color:#0b67ae;
    text-decoration:underline;
    text-underline-offset:2px;
  }

  .loya-no-author{
    margin:16px auto 30px;
    max-width:920px;
    padding:18px 20px;
    border:1px solid #e2e8f0;
    border-radius:18px;
    background:#f8fafc;
    box-shadow:0 10px 30px rgba(15,23,42,.05);
  }

  .loya-no-author-top{
    display:flex;
    justify-content:space-between;
    gap:18px;
    align-items:flex-start;
    flex-wrap:wrap;
  }

  .loya-no-author-left{
    display:flex;
    gap:14px;
    align-items:flex-start;
    min-width:0;
    flex:1 1 420px;
  }

  .loya-no-author-photo{
    width:56px;
    height:56px;
    flex:0 0 56px;
    border-radius:999px;
    overflow:hidden;
    background:#082044;
    box-shadow:0 10px 20px rgba(8,32,68,.18);
  }

  .loya-no-author-photo img{
    width:100%;
    height:100%;
    object-fit:cover;
    display:block;
    border-radius:999px;
  }

  .loya-no-author-name{
    font-size:18px;
    font-weight:850;
    color:#082044;
    line-height:1.25;
    margin:0 0 4px;
  }

  .loya-no-author-role{
    font-size:14px;
    color:#64748b;
    margin:0 0 6px!important;
  }

  .loya-no-author-date{
    font-size:13px;
    color:#64748b;
    line-height:1.45;
    text-align:right;
    font-style:italic;
  }

  .loya-no-author details{
    margin:0;
  }

  .loya-no-author summary{
    cursor:pointer;
    display:inline-flex;
    align-items:center;
    gap:6px;
    color:#0b67ae;
    font-size:13px;
    font-weight:850;
    list-style:none;
    user-select:none;
  }

  .loya-no-author summary::-webkit-details-marker{
    display:none;
  }

  .loya-no-caret{
    display:inline-block;
    transition:transform .2s ease;
    font-size:12px;
    line-height:1;
  }

  .loya-no-author details[open] .loya-no-caret{
    transform:rotate(180deg);
  }

  .loya-no-bio{
    margin-top:10px;
    padding:12px 14px;
    border-radius:14px;
    background:#fff;
    border:1px solid #e2e8f0;
    color:#475569;
    font-size:14px;
    line-height:1.6;
    max-width:760px;
  }

  .loya-no-bio p{
    margin:0 0 10px!important;
  }

  .loya-no-bio p:last-child{
    margin-bottom:0!important;
  }

  .loya-no-feature{
    display:grid;
    grid-template-columns:minmax(0,.95fr) minmax(320px,1.05fr);
    gap:30px;
    align-items:center;
    margin:0 0 34px;
  }

  .loya-no-hero-copy{
    padding:28px;
    border-radius:28px;
    background:linear-gradient(135deg,#082044,#123a6f);
    color:#fff;
    box-shadow:0 22px 54px rgba(8,32,68,.22);
  }

  .loya-no-eyebrow{
    display:inline-flex;
    align-items:center;
    padding:8px 14px;
    border-radius:999px;
    background:rgba(255,255,255,.14);
    color:#bfdbfe;
    font-size:13px;
    font-weight:850;
    letter-spacing:.04em;
    text-transform:uppercase;
    margin:0 0 18px;
  }

  .loya-no-hero-copy p{
    color:#e2e8f0;
  }

  .loya-no-hero-copy a{
    color:#fff;
    font-weight:800;
  }

  .loya-no-image{
    background:#fff;
    border:1px solid #e5e7eb;
    border-radius:28px;
    padding:14px;
    box-shadow:0 20px 48px rgba(15,23,42,.08);
  }

  .loya-no-image img{
    display:block;
    width:100%;
    height:auto;
    border-radius:22px;
  }

  .loya-no-strip{
    display:grid;
    grid-template-columns:repeat(4,minmax(0,1fr));
    gap:16px;
    margin:24px 0 38px;
  }

  .loya-no-strip-card{
    border-radius:20px;
    padding:18px;
    background:#fff;
    border:1px solid #e5e7eb;
    box-shadow:0 12px 30px rgba(15,23,42,.05);
  }

  .loya-no-strip-card strong{
    display:block;
    color:#082044;
    font-size:16px;
    margin:0 0 5px;
  }

  .loya-no-strip-card p{
    margin:0;
    color:#475569;
    font-size:14px;
    line-height:1.55;
  }

  .loya-no-panel{
    margin:26px 0 36px;
    padding:24px;
    border-radius:26px;
    background:linear-gradient(135deg,#f8fafc,#ffffff);
    border:1px solid #e2e8f0;
    box-shadow:0 16px 40px rgba(15,23,42,.06);
  }

  .loya-no-cards{
    display:grid;
    grid-template-columns:repeat(3,minmax(0,1fr));
    gap:20px;
    margin:24px 0 36px;
  }

  .loya-no-card{
    border:1px solid #e5e7eb;
    border-radius:22px;
    padding:22px;
    background:#fff;
    box-shadow:0 14px 34px rgba(15,23,42,.06);
  }

  .loya-no-card.blue{
    background:linear-gradient(135deg,#eff6ff,#fff);
    border-color:#bfdbfe;
  }

  .loya-no-card.green{
    background:linear-gradient(135deg,#ecfdf5,#fff);
    border-color:#bbf7d0;
  }

  .loya-no-card.orange{
    background:linear-gradient(135deg,#fff7ed,#fff);
    border-color:#fed7aa;
  }

  .loya-no-card.purple{
    background:linear-gradient(135deg,#f5f3ff,#fff);
    border-color:#ddd6fe;
  }

  .loya-no-two{
    display:grid;
    grid-template-columns:repeat(2,minmax(0,1fr));
    gap:22px;
    margin:22px 0 34px;
  }

  .loya-no-list,
  .loya-no-steps{
    margin:0 0 18px;
    padding-left:22px;
  }

  .loya-no-list li,
  .loya-no-steps li{
    margin:0 0 12px;
  }

  .loya-no-table-wrap{
    margin:24px 0 30px;
    overflow-x:auto;
    border:1px solid #e5e7eb;
    border-radius:22px;
    background:#fff;
    box-shadow:0 16px 36px rgba(15,23,42,.05);
  }

  .loya-no-table{
    width:100%;
    border-collapse:collapse;
    min-width:760px;
  }

  .loya-no-table th,
  .loya-no-table td{
    padding:16px 18px;
    text-align:left;
    vertical-align:top;
    border-bottom:1px solid #e5e7eb;
    font-size:15px;
    line-height:1.55;
  }

  .loya-no-table th{
    background:#082044;
    color:#fff;
    font-size:14px;
    text-transform:uppercase;
    letter-spacing:.04em;
    font-weight:850;
  }

  .loya-no-warning{
    margin:28px 0;
    padding:20px 22px;
    border-radius:22px;
    background:#fff7ed;
    border:1px solid #fed7aa;
    color:#431407;
  }

  .loya-no-warning strong{
    color:#9a3412;
  }

  .loya-no-image-narrow{
    max-width:760px;
    margin:28px auto;
    background:#fff;
    border:1px solid #e5e7eb;
    border-radius:24px;
    padding:12px;
    box-shadow:0 16px 38px rgba(15,23,42,.06);
  }

  .loya-no-image-narrow img{
    display:block;
    width:100%;
    height:auto;
    border-radius:18px;
  }

  .loya-no-soft{
    margin:38px 0 24px;
    padding:13px 16px;
    border-radius:14px;
    background:#f8fafc;
    border:1px solid #e5e7eb;
    color:#64748b;
    font-size:13px;
    line-height:1.55;
  }

  .loya-no-soft strong{
    color:#082044;
    font-weight:850;
  }

  .loya-no-cta{
    margin:42px auto 10px;
    max-width:760px;
    background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
    border-radius:22px;
    padding:22px 22px 20px;
    box-shadow:0 16px 38px rgba(10,20,40,.20);
    color:#fff;
  }

  .loya-no-cta-title{
    display:block;
    color:#fff!important;
    font-size:28px;
    line-height:1.1;
    font-weight:900;
    margin:0 0 8px;
    text-align:center;
    -webkit-text-fill-color:#fff;
  }

  .loya-no-cta-text{
    display:block;
    color:#e2e8f0!important;
    font-size:15px;
    line-height:1.55;
    font-weight:500;
    margin:0 0 14px;
    text-align:center;
    -webkit-text-fill-color:#e2e8f0;
  }

  .loya-no-cta-form{
    display:flex;
    gap:10px;
    align-items:center;
    justify-content:center;
    flex-wrap:wrap;
    margin:0;
    padding:0;
    width:100%;
  }

  .loya-no-cta-input,
  .loya-no-cta-select{
    flex:1 1 180px;
    min-width:160px;
    max-width:190px;
    width:100%;
    height:46px;
    display:block;
    box-sizing:border-box;
    margin:0;
    padding:0 12px;
    border:none;
    border-radius:12px;
    background:#f3f4f6;
    color:#24324a;
    font-size:15px;
    line-height:46px;
    box-shadow:none;
    outline:none;
  }

  .loya-no-cta-button-wrap{
    flex:0 0 150px;
    min-width:150px;
    margin:0;
    padding:0;
  }

  .loya-no-cta-button{
    width:100%;
    height:46px;
    display:inline-flex;
    align-items:center;
    justify-content:center;
    box-sizing:border-box;
    border:none;
    border-radius:12px;
    background:#dc2626;
    color:#fff!important;
    font-size:15px;
    line-height:1;
    font-weight:850;
    text-align:center;
    padding:0 18px;
    cursor:pointer;
    -webkit-text-fill-color:#fff;
  }

  .loya-no-refs{
    margin-top:34px;
    padding-top:24px;
    border-top:1px solid #e5e7eb;
  }

  .loya-no-refs h2{
    margin-top:0;
    font-size:28px;
  }

  .loya-no-refs ol{
    margin:0;
    padding-left:20px;
  }

  .loya-no-refs li{
    margin:0 0 10px;
    color:#334155;
    font-size:15px;
    line-height:1.6;
  }

  .loya-no-ref-back{
    margin-left:6px;
    white-space:nowrap;
    text-decoration:none!important;
    font-weight:850;
  }

  @media(max-width:980px){
    .loya-no-feature,
    .loya-no-strip,
    .loya-no-cards,
    .loya-no-two{
      grid-template-columns:1fr;
    }

    .loya-no-author-date{
      text-align:left;
    }
  }

  @media(max-width:640px){
    .loya-nonowner-page{
      padding:0 16px 40px;
      font-size:16px;
    }

    .loya-nonowner-page h2{
      font-size:28px;
    }

    .loya-no-hero-copy,
    .loya-no-panel,
    .loya-no-cta{
      padding:20px;
    }

    .loya-no-cta-button-wrap,
    .loya-no-cta-input,
    .loya-no-cta-select{
      flex:1 1 100%;
      max-width:none;
    }
  }
  
  /* ===================================================================
  https://loyainsurance.org/loya-commercial-auto-insurance/
  ========================================================== */
  .loya-commercial-page,
  .loya-commercial-page *{
    box-sizing:border-box;
  }

  .loya-commercial-page{
    max-width:1160px;
    margin:0 auto;
    padding:0 24px 48px;
    color:#0f172a;
    font-size:17px;
    line-height:1.72;
  }

  .loya-commercial-page p{
    margin:0 0 18px;
  }

  .loya-commercial-page h2{
    font-size:34px;
    line-height:1.15;
    margin:42px 0 18px;
    color:#082044;
    font-weight:900;
    letter-spacing:-.02em;
  }

  .loya-commercial-page h3{
    font-size:23px;
    line-height:1.22;
    margin:0 0 12px;
    color:#082044;
    font-weight:850;
  }

  .loya-commercial-page a{
    color:#0b67ae;
    text-decoration:underline;
    text-underline-offset:2px;
  }

  .loya-com-author{
    margin:16px auto 30px;
    max-width:920px;
    padding:18px 20px;
    border:1px solid #e2e8f0;
    border-radius:18px;
    background:#f8fafc;
    box-shadow:0 10px 30px rgba(15,23,42,.05);
  }

  .loya-com-author-top{
    display:flex;
    justify-content:space-between;
    gap:18px;
    align-items:flex-start;
    flex-wrap:wrap;
  }

  .loya-com-author-left{
    min-width:0;
    flex:1 1 420px;
  }

  .loya-com-author-name{
    font-size:18px;
    font-weight:850;
    color:#082044;
    line-height:1.25;
    margin:0 0 4px;
  }

  .loya-com-author-role{
    font-size:14px;
    color:#64748b;
    margin:0 0 6px!important;
  }

  .loya-com-author-date{
    font-size:13px;
    color:#64748b;
    line-height:1.45;
    text-align:right;
    font-style:italic;
  }

  .loya-com-author details{
    margin:0;
  }

  .loya-com-author summary{
    cursor:pointer;
    display:inline-flex;
    align-items:center;
    gap:6px;
    color:#0b67ae;
    font-size:13px;
    font-weight:850;
    list-style:none;
    user-select:none;
  }

  .loya-com-author summary::-webkit-details-marker{
    display:none;
  }

  .loya-com-caret{
    display:inline-block;
    transition:transform .2s ease;
    font-size:12px;
    line-height:1;
  }

  .loya-com-author details[open] .loya-com-caret{
    transform:rotate(180deg);
  }

  .loya-com-bio{
    margin-top:10px;
    padding:12px 14px;
    border-radius:14px;
    background:#fff;
    border:1px solid #e2e8f0;
    color:#475569;
    font-size:14px;
    line-height:1.6;
    max-width:760px;
  }

  .loya-com-bio p{
    margin:0 0 10px!important;
  }

  .loya-com-bio p:last-child{
    margin-bottom:0!important;
  }

  .loya-com-hero{
    display:grid;
    grid-template-columns:minmax(0,1.05fr) minmax(320px,.95fr);
    gap:30px;
    align-items:center;
    margin:0 0 34px;
  }

  .loya-com-hero-copy{
    padding:28px;
    border-radius:28px;
    background:linear-gradient(135deg,#082044,#143a66);
    color:#fff;
    box-shadow:0 22px 54px rgba(8,32,68,.22);
  }

  .loya-com-eyebrow{
    display:inline-flex;
    align-items:center;
    padding:8px 14px;
    border-radius:999px;
    background:rgba(255,255,255,.14);
    color:#bfdbfe;
    font-size:13px;
    font-weight:850;
    letter-spacing:.04em;
    text-transform:uppercase;
    margin:0 0 18px;
  }

  .loya-com-hero-copy p{
    color:#e2e8f0;
  }

  .loya-com-hero-copy a{
    color:#fff;
    font-weight:800;
  }

  .loya-com-image{
    background:#fff;
    border:1px solid #e5e7eb;
    border-radius:28px;
    padding:14px;
    box-shadow:0 20px 48px rgba(15,23,42,.08);
  }

  .loya-com-image img{
    display:block;
    width:100%;
    height:auto;
    border-radius:22px;
  }

  .loya-com-snapshot{
    display:grid;
    grid-template-columns:repeat(4,minmax(0,1fr));
    gap:16px;
    margin:24px 0 38px;
  }

  .loya-com-snapshot-card{
    border-radius:20px;
    padding:18px;
    background:#fff;
    border:1px solid #e5e7eb;
    box-shadow:0 12px 30px rgba(15,23,42,.05);
  }

  .loya-com-snapshot-card strong{
    display:block;
    color:#082044;
    font-size:16px;
    margin:0 0 5px;
  }

  .loya-com-snapshot-card p{
    margin:0;
    color:#475569;
    font-size:14px;
    line-height:1.55;
  }

  .loya-com-panel{
    margin:26px 0 36px;
    padding:24px;
    border-radius:26px;
    background:linear-gradient(135deg,#f8fafc,#ffffff);
    border:1px solid #e2e8f0;
    box-shadow:0 16px 40px rgba(15,23,42,.06);
  }

  .loya-com-panel p:last-child{
    margin-bottom:0;
  }

  .loya-com-cards{
    display:grid;
    grid-template-columns:repeat(3,minmax(0,1fr));
    gap:20px;
    margin:24px 0 36px;
  }

  .loya-com-card{
    border:1px solid #e5e7eb;
    border-radius:22px;
    padding:22px;
    background:#fff;
    box-shadow:0 14px 34px rgba(15,23,42,.06);
  }

  .loya-com-card.blue{
    background:linear-gradient(135deg,#eff6ff,#fff);
    border-color:#bfdbfe;
  }

  .loya-com-card.green{
    background:linear-gradient(135deg,#ecfdf5,#fff);
    border-color:#bbf7d0;
  }

  .loya-com-card.orange{
    background:linear-gradient(135deg,#fff7ed,#fff);
    border-color:#fed7aa;
  }

  .loya-com-card.purple{
    background:linear-gradient(135deg,#f5f3ff,#fff);
    border-color:#ddd6fe;
  }

  .loya-com-card p:last-child{
    margin-bottom:0;
  }

  .loya-com-two{
    display:grid;
    grid-template-columns:repeat(2,minmax(0,1fr));
    gap:22px;
    margin:22px 0 34px;
  }

  .loya-com-list,
  .loya-com-steps{
    margin:0 0 18px;
    padding-left:22px;
  }

  .loya-com-list li,
  .loya-com-steps li{
    margin:0 0 12px;
  }

  .loya-com-table-wrap{
    margin:24px 0 30px;
    overflow-x:auto;
    border:1px solid #e5e7eb;
    border-radius:22px;
    background:#fff;
    box-shadow:0 16px 36px rgba(15,23,42,.05);
  }

  .loya-com-table{
    width:100%;
    border-collapse:collapse;
    min-width:760px;
  }

  .loya-com-table th,
  .loya-com-table td{
    padding:16px 18px;
    text-align:left;
    vertical-align:top;
    border-bottom:1px solid #e5e7eb;
    font-size:15px;
    line-height:1.55;
  }

  .loya-com-table th{
    background:#082044;
    color:#fff;
    font-size:14px;
    text-transform:uppercase;
    letter-spacing:.04em;
    font-weight:850;
  }

  .loya-com-table tr:last-child td{
    border-bottom:0;
  }

  .loya-com-warning{
    margin:28px 0;
    padding:20px 22px;
    border-radius:22px;
    background:#fff7ed;
    border:1px solid #fed7aa;
    color:#431407;
  }

  .loya-com-warning strong{
    color:#9a3412;
  }

  .loya-com-image-narrow{
    max-width:820px;
    margin:28px auto;
    background:#fff;
    border:1px solid #e5e7eb;
    border-radius:24px;
    padding:12px;
    box-shadow:0 16px 38px rgba(15,23,42,.06);
  }

  .loya-com-image-narrow img{
    display:block;
    width:100%;
    height:auto;
    border-radius:18px;
  }

  .loya-com-soft{
    margin:38px 0 24px;
    padding:13px 16px;
    border-radius:14px;
    background:#f8fafc;
    border:1px solid #e5e7eb;
    color:#64748b;
    font-size:13px;
    line-height:1.55;
  }

  .loya-com-soft strong{
    color:#082044;
    font-weight:850;
  }

  .loya-com-cta{
    margin:42px auto 10px;
    max-width:760px;
    background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
    border-radius:22px;
    padding:22px 22px 20px;
    box-shadow:0 16px 38px rgba(10,20,40,.20);
    color:#fff;
  }

  .loya-com-cta-title{
    display:block;
    color:#fff!important;
    font-size:28px;
    line-height:1.1;
    font-weight:900;
    margin:0 0 8px;
    text-align:center;
    -webkit-text-fill-color:#fff;
  }

  .loya-com-cta-text{
    display:block;
    color:#e2e8f0!important;
    font-size:15px;
    line-height:1.55;
    font-weight:500;
    margin:0 0 14px;
    text-align:center;
    -webkit-text-fill-color:#e2e8f0;
  }

  .loya-com-cta-form{
    display:flex;
    gap:10px;
    align-items:center;
    justify-content:center;
    flex-wrap:wrap;
    margin:0;
    padding:0;
    width:100%;
  }

  .loya-com-cta-input,
  .loya-com-cta-select{
    flex:1 1 180px;
    min-width:160px;
    max-width:190px;
    width:100%;
    height:46px;
    display:block;
    box-sizing:border-box;
    margin:0;
    padding:0 12px;
    border:none;
    border-radius:12px;
    background:#f3f4f6;
    color:#24324a;
    font-size:15px;
    line-height:46px;
    box-shadow:none;
    outline:none;
  }

  .loya-com-cta-select{
    cursor:pointer;
  }

  .loya-com-cta-button-wrap{
    flex:0 0 150px;
    min-width:150px;
    margin:0;
    padding:0;
  }

  .loya-com-cta-button{
    width:100%;
    height:46px;
    display:inline-flex;
    align-items:center;
    justify-content:center;
    box-sizing:border-box;
    border:none;
    border-radius:12px;
    background:#dc2626;
    color:#fff!important;
    font-size:15px;
    line-height:1;
    font-weight:850;
    text-align:center;
    padding:0 18px;
    cursor:pointer;
    -webkit-text-fill-color:#fff;
  }

  .loya-com-cta-button:hover{
    background:#b91c1c;
  }

  .loya-com-refs{
    margin-top:34px;
    padding-top:24px;
    border-top:1px solid #e5e7eb;
  }

  .loya-com-refs h2{
    margin-top:0;
    font-size:28px;
  }

  .loya-com-refs ol{
    margin:0;
    padding-left:20px;
  }

  .loya-com-refs li{
    margin:0 0 10px;
    color:#334155;
    font-size:15px;
    line-height:1.6;
  }

  .loya-com-ref-back{
    margin-left:6px;
    white-space:nowrap;
    text-decoration:none!important;
    font-weight:850;
  }

  @media(max-width:980px){
    .loya-com-hero,
    .loya-com-snapshot,
    .loya-com-cards,
    .loya-com-two{
      grid-template-columns:1fr;
    }

    .loya-com-author-date{
      text-align:left;
    }
  }

  @media(max-width:640px){
    .loya-commercial-page{
      padding:0 16px 40px;
      font-size:16px;
    }

    .loya-commercial-page h2{
      font-size:28px;
    }

    .loya-com-hero-copy,
    .loya-com-panel,
    .loya-com-cta{
      padding:20px;
    }

    .loya-com-cta-button-wrap,
    .loya-com-cta-input,
    .loya-com-cta-select{
      flex:1 1 100%;
      max-width:none;
    }
  }
  
  /* ==============================================================
  https://loyainsurance.org/cheap-car-insurance-from-loya/
  =========================================================== */
  .loya-cheap-page,
  .loya-cheap-page *{
    box-sizing:border-box;
  }

  .loya-cheap-page{
    max-width:1160px;
    margin:0 auto;
    padding:0 24px 48px;
    color:#0f172a;
    font-size:17px;
    line-height:1.72;
  }

  .loya-cheap-page p{
    margin:0 0 18px;
  }

  .loya-cheap-page h2{
    font-size:34px;
    line-height:1.15;
    margin:42px 0 18px;
    color:#082044;
    font-weight:900;
    letter-spacing:-.02em;
  }

  .loya-cheap-page h3{
    font-size:23px;
    line-height:1.22;
    margin:0 0 12px;
    color:#082044;
    font-weight:850;
  }

  .loya-cheap-page a{
    color:#0b67ae;
    text-decoration:underline;
    text-underline-offset:2px;
  }

  .loya-cheap-author{
    margin:16px auto 30px;
    max-width:920px;
    padding:18px 20px;
    border:1px solid #e2e8f0;
    border-radius:18px;
    background:#f8fafc;
    box-shadow:0 10px 30px rgba(15,23,42,.05);
  }

  .loya-cheap-author-top{
    display:flex;
    justify-content:space-between;
    gap:18px;
    align-items:flex-start;
    flex-wrap:wrap;
  }

  .loya-cheap-author-left{
    min-width:0;
    flex:1 1 420px;
  }

  .loya-cheap-author-name{
    font-size:18px;
    font-weight:850;
    color:#082044;
    line-height:1.25;
    margin:0 0 4px;
  }

  .loya-cheap-author-role{
    font-size:14px;
    color:#64748b;
    margin:0 0 6px!important;
  }

  .loya-cheap-author-date{
    font-size:13px;
    color:#64748b;
    line-height:1.45;
    text-align:right;
    font-style:italic;
  }

  .loya-cheap-author details{
    margin:0;
  }

  .loya-cheap-author summary{
    cursor:pointer;
    display:inline-flex;
    align-items:center;
    gap:6px;
    color:#0b67ae;
    font-size:13px;
    font-weight:850;
    list-style:none;
    user-select:none;
  }

  .loya-cheap-author summary::-webkit-details-marker{
    display:none;
  }

  .loya-cheap-caret{
    display:inline-block;
    transition:transform .2s ease;
    font-size:12px;
    line-height:1;
  }

  .loya-cheap-author details[open] .loya-cheap-caret{
    transform:rotate(180deg);
  }

  .loya-cheap-bio{
    margin-top:10px;
    padding:12px 14px;
    border-radius:14px;
    background:#fff;
    border:1px solid #e2e8f0;
    color:#475569;
    font-size:14px;
    line-height:1.6;
    max-width:760px;
  }

  .loya-cheap-bio p{
    margin:0 0 10px!important;
  }

  .loya-cheap-bio p:last-child{
    margin-bottom:0!important;
  }

  .loya-cheap-hero{
    display:grid;
    grid-template-columns:minmax(0,.98fr) minmax(320px,1.02fr);
    gap:30px;
    align-items:center;
    margin:0 0 34px;
  }

  .loya-cheap-hero-copy{
    padding:28px;
    border-radius:28px;
    background:linear-gradient(135deg,#082044,#123a6f);
    color:#fff;
    box-shadow:0 22px 54px rgba(8,32,68,.22);
  }

  .loya-cheap-eyebrow{
    display:inline-flex;
    align-items:center;
    padding:8px 14px;
    border-radius:999px;
    background:rgba(255,255,255,.14);
    color:#bfdbfe;
    font-size:13px;
    font-weight:850;
    letter-spacing:.04em;
    text-transform:uppercase;
    margin:0 0 18px;
  }

  .loya-cheap-hero-copy p{
    color:#e2e8f0;
  }

  .loya-cheap-hero-copy a{
    color:#fff;
    font-weight:800;
  }

  .loya-cheap-image{
    background:#fff;
    border:1px solid #e5e7eb;
    border-radius:28px;
    padding:14px;
    box-shadow:0 20px 48px rgba(15,23,42,.08);
  }

  .loya-cheap-image img{
    display:block;
    width:100%;
    height:auto;
    border-radius:22px;
  }

  .loya-cheap-strip{
    display:grid;
    grid-template-columns:repeat(4,minmax(0,1fr));
    gap:16px;
    margin:24px 0 38px;
  }

  .loya-cheap-strip-card{
    border-radius:20px;
    padding:18px;
    background:#fff;
    border:1px solid #e5e7eb;
    box-shadow:0 12px 30px rgba(15,23,42,.05);
  }

  .loya-cheap-strip-card strong{
    display:block;
    color:#082044;
    font-size:16px;
    margin:0 0 5px;
  }

  .loya-cheap-strip-card p{
    margin:0;
    color:#475569;
    font-size:14px;
    line-height:1.55;
  }

  .loya-cheap-panel{
    margin:26px 0 36px;
    padding:24px;
    border-radius:26px;
    background:linear-gradient(135deg,#f8fafc,#ffffff);
    border:1px solid #e2e8f0;
    box-shadow:0 16px 40px rgba(15,23,42,.06);
  }

  .loya-cheap-panel p:last-child{
    margin-bottom:0;
  }

  .loya-cheap-cards{
    display:grid;
    grid-template-columns:repeat(3,minmax(0,1fr));
    gap:20px;
    margin:24px 0 36px;
  }

  .loya-cheap-card{
    border:1px solid #e5e7eb;
    border-radius:22px;
    padding:22px;
    background:#fff;
    box-shadow:0 14px 34px rgba(15,23,42,.06);
  }

  .loya-cheap-card.blue{
    background:linear-gradient(135deg,#eff6ff,#fff);
    border-color:#bfdbfe;
  }

  .loya-cheap-card.green{
    background:linear-gradient(135deg,#ecfdf5,#fff);
    border-color:#bbf7d0;
  }

  .loya-cheap-card.orange{
    background:linear-gradient(135deg,#fff7ed,#fff);
    border-color:#fed7aa;
  }

  .loya-cheap-card.purple{
    background:linear-gradient(135deg,#f5f3ff,#fff);
    border-color:#ddd6fe;
  }

  .loya-cheap-card p:last-child{
    margin-bottom:0;
  }

  .loya-cheap-two{
    display:grid;
    grid-template-columns:repeat(2,minmax(0,1fr));
    gap:22px;
    margin:22px 0 34px;
  }

  .loya-cheap-list,
  .loya-cheap-steps{
    margin:0 0 18px;
    padding-left:22px;
  }

  .loya-cheap-list li,
  .loya-cheap-steps li{
    margin:0 0 12px;
  }

  .loya-cheap-table-wrap{
    margin:24px 0 30px;
    overflow-x:auto;
    border:1px solid #e5e7eb;
    border-radius:22px;
    background:#fff;
    box-shadow:0 16px 36px rgba(15,23,42,.05);
  }

  .loya-cheap-table{
    width:100%;
    border-collapse:collapse;
    min-width:760px;
  }

  .loya-cheap-table th,
  .loya-cheap-table td{
    padding:16px 18px;
    text-align:left;
    vertical-align:top;
    border-bottom:1px solid #e5e7eb;
    font-size:15px;
    line-height:1.55;
  }

  .loya-cheap-table th{
    background:#082044;
    color:#fff;
    font-size:14px;
    text-transform:uppercase;
    letter-spacing:.04em;
    font-weight:850;
  }

  .loya-cheap-table tr:last-child td{
    border-bottom:0;
  }

  .loya-cheap-warning{
    margin:28px 0;
    padding:20px 22px;
    border-radius:22px;
    background:#fff7ed;
    border:1px solid #fed7aa;
    color:#431407;
  }

  .loya-cheap-warning strong{
    color:#9a3412;
  }

  .loya-cheap-image-narrow{
    max-width:820px;
    margin:28px auto;
    background:#fff;
    border:1px solid #e5e7eb;
    border-radius:24px;
    padding:12px;
    box-shadow:0 16px 38px rgba(15,23,42,.06);
  }

  .loya-cheap-image-narrow img{
    display:block;
    width:100%;
    height:auto;
    border-radius:18px;
  }

  .loya-cheap-soft{
    margin:38px 0 24px;
    padding:13px 16px;
    border-radius:14px;
    background:#f8fafc;
    border:1px solid #e5e7eb;
    color:#64748b;
    font-size:13px;
    line-height:1.55;
  }

  .loya-cheap-soft strong{
    color:#082044;
    font-weight:850;
  }

  .loya-cheap-cta{
    margin:42px auto 10px;
    max-width:760px;
    background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
    border-radius:22px;
    padding:22px 22px 20px;
    box-shadow:0 16px 38px rgba(10,20,40,.20);
    color:#fff;
  }

  .loya-cheap-cta-title{
    display:block;
    color:#fff!important;
    font-size:28px;
    line-height:1.1;
    font-weight:900;
    margin:0 0 8px;
    text-align:center;
    -webkit-text-fill-color:#fff;
  }

  .loya-cheap-cta-text{
    display:block;
    color:#e2e8f0!important;
    font-size:15px;
    line-height:1.55;
    font-weight:500;
    margin:0 0 14px;
    text-align:center;
    -webkit-text-fill-color:#e2e8f0;
  }

  .loya-cheap-cta-form{
    display:flex;
    gap:10px;
    align-items:center;
    justify-content:center;
    flex-wrap:wrap;
    margin:0;
    padding:0;
    width:100%;
  }

  .loya-cheap-cta-input,
  .loya-cheap-cta-select{
    flex:1 1 180px;
    min-width:160px;
    max-width:190px;
    width:100%;
    height:46px;
    display:block;
    box-sizing:border-box;
    margin:0;
    padding:0 12px;
    border:none;
    border-radius:12px;
    background:#f3f4f6;
    color:#24324a;
    font-size:15px;
    line-height:46px;
    box-shadow:none;
    outline:none;
  }

  .loya-cheap-cta-select{
    cursor:pointer;
  }

  .loya-cheap-cta-button-wrap{
    flex:0 0 150px;
    min-width:150px;
    margin:0;
    padding:0;
  }

  .loya-cheap-cta-button{
    width:100%;
    height:46px;
    display:inline-flex;
    align-items:center;
    justify-content:center;
    box-sizing:border-box;
    border:none;
    border-radius:12px;
    background:#dc2626;
    color:#fff!important;
    font-size:15px;
    line-height:1;
    font-weight:850;
    text-align:center;
    padding:0 18px;
    cursor:pointer;
    -webkit-text-fill-color:#fff;
  }

  .loya-cheap-cta-button:hover{
    background:#b91c1c;
  }

  .loya-cheap-refs{
    margin-top:34px;
    padding-top:24px;
    border-top:1px solid #e5e7eb;
  }

  .loya-cheap-refs h2{
    margin-top:0;
    font-size:28px;
  }

  .loya-cheap-refs ol{
    margin:0;
    padding-left:20px;
  }

  .loya-cheap-refs li{
    margin:0 0 10px;
    color:#334155;
    font-size:15px;
    line-height:1.6;
  }

  .loya-cheap-ref-back{
    margin-left:6px;
    white-space:nowrap;
    text-decoration:none!important;
    font-weight:850;
  }

  @media(max-width:980px){
    .loya-cheap-hero,
    .loya-cheap-strip,
    .loya-cheap-cards,
    .loya-cheap-two{
      grid-template-columns:1fr;
    }

    .loya-cheap-author-date{
      text-align:left;
    }
  }

  @media(max-width:640px){
    .loya-cheap-page{
      padding:0 16px 40px;
      font-size:16px;
    }

    .loya-cheap-page h2{
      font-size:28px;
    }

    .loya-cheap-hero-copy,
    .loya-cheap-panel,
    .loya-cheap-cta{
      padding:20px;
    }

    .loya-cheap-cta-button-wrap,
    .loya-cheap-cta-input,
    .loya-cheap-cta-select{
      flex:1 1 100%;
      max-width:none;
    }
  }
  
  /* =================================================================
  https://loyainsurance.org/loya-pay-as-you-go-car-insurance/
  ============================================================= */
  .loya-paygo-page,
  .loya-paygo-page *{
    box-sizing:border-box;
  }

  .loya-paygo-page{
    max-width:1160px;
    margin:0 auto;
    padding:0 24px 48px;
    color:#0f172a;
    font-size:17px;
    line-height:1.72;
  }

  .loya-paygo-page p{
    margin:0 0 18px;
  }

  .loya-paygo-page h2{
    font-size:34px;
    line-height:1.15;
    margin:42px 0 18px;
    color:#082044;
    font-weight:900;
    letter-spacing:-.02em;
  }

  .loya-paygo-page h3{
    font-size:23px;
    line-height:1.22;
    margin:0 0 12px;
    color:#082044;
    font-weight:850;
  }

  .loya-paygo-page a{
    color:#0b67ae;
    text-decoration:underline;
    text-underline-offset:2px;
  }

  .loya-paygo-author{
    margin:16px auto 30px;
    max-width:920px;
    padding:18px 20px;
    border:1px solid #e2e8f0;
    border-radius:18px;
    background:#f8fafc;
    box-shadow:0 10px 30px rgba(15,23,42,.05);
  }

  .loya-paygo-author-top{
    display:flex;
    justify-content:space-between;
    gap:18px;
    align-items:flex-start;
    flex-wrap:wrap;
  }

  .loya-paygo-author-left{
    min-width:0;
    flex:1 1 420px;
  }

  .loya-paygo-author-name{
    font-size:18px;
    font-weight:850;
    color:#082044;
    line-height:1.25;
    margin:0 0 4px;
  }

  .loya-paygo-author-role{
    font-size:14px;
    color:#64748b;
    margin:0 0 6px!important;
  }

  .loya-paygo-author-date{
    font-size:13px;
    color:#64748b;
    line-height:1.45;
    text-align:right;
    font-style:italic;
  }

  .loya-paygo-author details{
    margin:0;
  }

  .loya-paygo-author summary{
    cursor:pointer;
    display:inline-flex;
    align-items:center;
    gap:6px;
    color:#0b67ae;
    font-size:13px;
    font-weight:850;
    list-style:none;
    user-select:none;
  }

  .loya-paygo-author summary::-webkit-details-marker{
    display:none;
  }

  .loya-paygo-caret{
    display:inline-block;
    transition:transform .2s ease;
    font-size:12px;
    line-height:1;
  }

  .loya-paygo-author details[open] .loya-paygo-caret{
    transform:rotate(180deg);
  }

  .loya-paygo-bio{
    margin-top:10px;
    padding:12px 14px;
    border-radius:14px;
    background:#fff;
    border:1px solid #e2e8f0;
    color:#475569;
    font-size:14px;
    line-height:1.6;
    max-width:760px;
  }

  .loya-paygo-bio p{
    margin:0 0 10px!important;
  }

  .loya-paygo-bio p:last-child{
    margin-bottom:0!important;
  }

  .loya-paygo-hero{
    display:grid;
    grid-template-columns:minmax(0,.95fr) minmax(320px,1.05fr);
    gap:30px;
    align-items:center;
    margin:0 0 34px;
  }

  .loya-paygo-hero-copy{
    padding:30px;
    border-radius:30px;
    background:linear-gradient(135deg,#082044 0%,#123a6f 100%);
    color:#fff;
    box-shadow:0 22px 54px rgba(8,32,68,.22);
  }

  .loya-paygo-eyebrow{
    display:inline-flex;
    align-items:center;
    padding:8px 14px;
    border-radius:999px;
    background:rgba(255,255,255,.14);
    color:#bfdbfe;
    font-size:13px;
    font-weight:850;
    letter-spacing:.04em;
    text-transform:uppercase;
    margin:0 0 18px;
  }

  .loya-paygo-hero-copy p{
    color:#e2e8f0;
  }

  .loya-paygo-hero-copy a{
    color:#fff;
    font-weight:850;
  }

  .loya-paygo-image{
    background:#fff;
    border:1px solid #e5e7eb;
    border-radius:28px;
    padding:14px;
    box-shadow:0 20px 48px rgba(15,23,42,.08);
  }

  .loya-paygo-image img{
    display:block;
    width:100%;
    height:auto;
    border-radius:22px;
  }

  .loya-paygo-timeline{
    display:grid;
    grid-template-columns:repeat(4,minmax(0,1fr));
    gap:16px;
    margin:26px 0 38px;
    counter-reset:paygoStep;
  }

  .loya-paygo-step{
    position:relative;
    border-radius:22px;
    padding:20px 18px 18px;
    background:#fff;
    border:1px solid #e5e7eb;
    box-shadow:0 12px 30px rgba(15,23,42,.05);
  }

  .loya-paygo-step:before{
    counter-increment:paygoStep;
    content:counter(paygoStep);
    display:inline-flex;
    width:32px;
    height:32px;
    align-items:center;
    justify-content:center;
    border-radius:999px;
    background:#082044;
    color:#fff;
    font-weight:900;
    margin:0 0 12px;
  }

  .loya-paygo-step strong{
    display:block;
    color:#082044;
    font-size:16px;
    margin:0 0 5px;
  }

  .loya-paygo-step p{
    margin:0;
    color:#475569;
    font-size:14px;
    line-height:1.55;
  }

  .loya-paygo-note{
    margin:26px 0 36px;
    padding:24px;
    border-radius:26px;
    background:linear-gradient(135deg,#f8fafc,#ffffff);
    border:1px solid #e2e8f0;
    box-shadow:0 16px 40px rgba(15,23,42,.06);
  }

  .loya-paygo-cards{
    display:grid;
    grid-template-columns:repeat(3,minmax(0,1fr));
    gap:20px;
    margin:24px 0 36px;
  }

  .loya-paygo-card{
    border:1px solid #e5e7eb;
    border-radius:22px;
    padding:22px;
    background:#fff;
    box-shadow:0 14px 34px rgba(15,23,42,.06);
  }

  .loya-paygo-card.blue{
    background:linear-gradient(135deg,#eff6ff,#fff);
    border-color:#bfdbfe;
  }

  .loya-paygo-card.green{
    background:linear-gradient(135deg,#ecfdf5,#fff);
    border-color:#bbf7d0;
  }

  .loya-paygo-card.orange{
    background:linear-gradient(135deg,#fff7ed,#fff);
    border-color:#fed7aa;
  }

  .loya-paygo-card.purple{
    background:linear-gradient(135deg,#f5f3ff,#fff);
    border-color:#ddd6fe;
  }

  .loya-paygo-card p:last-child{
    margin-bottom:0;
  }

  .loya-paygo-two{
    display:grid;
    grid-template-columns:repeat(2,minmax(0,1fr));
    gap:22px;
    margin:22px 0 34px;
  }

  .loya-paygo-list,
  .loya-paygo-steps{
    margin:0 0 18px;
    padding-left:22px;
  }

  .loya-paygo-list li,
  .loya-paygo-steps li{
    margin:0 0 12px;
  }

  .loya-paygo-table-wrap{
    margin:24px 0 30px;
    overflow-x:auto;
    border:1px solid #e5e7eb;
    border-radius:22px;
    background:#fff;
    box-shadow:0 16px 36px rgba(15,23,42,.05);
  }

  .loya-paygo-table{
    width:100%;
    border-collapse:collapse;
    min-width:760px;
  }

  .loya-paygo-table th,
  .loya-paygo-table td{
    padding:16px 18px;
    text-align:left;
    vertical-align:top;
    border-bottom:1px solid #e5e7eb;
    font-size:15px;
    line-height:1.55;
  }

  .loya-paygo-table th{
    background:#082044;
    color:#fff;
    font-size:14px;
    text-transform:uppercase;
    letter-spacing:.04em;
    font-weight:850;
  }

  .loya-paygo-table tr:last-child td{
    border-bottom:0;
  }

  .loya-paygo-warning{
    margin:28px 0;
    padding:20px 22px;
    border-radius:22px;
    background:#fff7ed;
    border:1px solid #fed7aa;
    color:#431407;
  }

  .loya-paygo-warning strong{
    color:#9a3412;
  }

  .loya-paygo-soft{
    margin:38px 0 24px;
    padding:13px 16px;
    border-radius:14px;
    background:#f8fafc;
    border:1px solid #e5e7eb;
    color:#64748b;
    font-size:13px;
    line-height:1.55;
  }

  .loya-paygo-soft strong{
    color:#082044;
    font-weight:850;
  }

  .loya-paygo-cta{
    margin:42px auto 10px;
    max-width:760px;
    background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
    border-radius:22px;
    padding:22px 22px 20px;
    box-shadow:0 16px 38px rgba(10,20,40,.20);
    color:#fff;
  }

  .loya-paygo-cta-title{
    display:block;
    color:#fff!important;
    font-size:28px;
    line-height:1.1;
    font-weight:900;
    margin:0 0 8px;
    text-align:center;
    -webkit-text-fill-color:#fff;
  }

  .loya-paygo-cta-text{
    display:block;
    color:#e2e8f0!important;
    font-size:15px;
    line-height:1.55;
    font-weight:500;
    margin:0 0 14px;
    text-align:center;
    -webkit-text-fill-color:#e2e8f0;
  }

  .loya-paygo-cta-form{
    display:flex;
    gap:10px;
    align-items:center;
    justify-content:center;
    flex-wrap:wrap;
    margin:0;
    padding:0;
    width:100%;
  }

  .loya-paygo-cta-input,
  .loya-paygo-cta-select{
    flex:1 1 180px;
    min-width:160px;
    max-width:190px;
    width:100%;
    height:46px;
    display:block;
    box-sizing:border-box;
    margin:0;
    padding:0 12px;
    border:none;
    border-radius:12px;
    background:#f3f4f6;
    color:#24324a;
    font-size:15px;
    line-height:46px;
    box-shadow:none;
    outline:none;
  }

  .loya-paygo-cta-select{
    cursor:pointer;
  }

  .loya-paygo-cta-button-wrap{
    flex:0 0 150px;
    min-width:150px;
    margin:0;
    padding:0;
  }

  .loya-paygo-cta-button{
    width:100%;
    height:46px;
    display:inline-flex;
    align-items:center;
    justify-content:center;
    box-sizing:border-box;
    border:none;
    border-radius:12px;
    background:#dc2626;
    color:#fff!important;
    font-size:15px;
    line-height:1;
    font-weight:850;
    text-align:center;
    padding:0 18px;
    cursor:pointer;
    -webkit-text-fill-color:#fff;
  }

  .loya-paygo-cta-button:hover{
    background:#b91c1c;
  }

  .loya-paygo-refs{
    margin-top:34px;
    padding-top:24px;
    border-top:1px solid #e5e7eb;
  }

  .loya-paygo-refs h2{
    margin-top:0;
    font-size:28px;
  }

  .loya-paygo-refs ol{
    margin:0;
    padding-left:20px;
  }

  .loya-paygo-refs li{
    margin:0 0 10px;
    color:#334155;
    font-size:15px;
    line-height:1.6;
  }

  .loya-paygo-ref-back{
    margin-left:6px;
    white-space:nowrap;
    text-decoration:none!important;
    font-weight:850;
  }

  @media(max-width:980px){
    .loya-paygo-hero,
    .loya-paygo-timeline,
    .loya-paygo-cards,
    .loya-paygo-two{
      grid-template-columns:1fr;
    }

    .loya-paygo-author-date{
      text-align:left;
    }
  }

  @media(max-width:640px){
    .loya-paygo-page{
      padding:0 16px 40px;
      font-size:16px;
    }

    .loya-paygo-page h2{
      font-size:28px;
    }

    .loya-paygo-hero-copy,
    .loya-paygo-note,
    .loya-paygo-cta{
      padding:20px;
    }

    .loya-paygo-cta-button-wrap,
    .loya-paygo-cta-input,
    .loya-paygo-cta-select{
      flex:1 1 100%;
      max-width:none;
    }
  }
  
  /* =============================================================
  https://loyainsurance.org/best-high-risk-auto-insurance-quotes/
  =============================================================== */
  .hri-page,
    .hri-page *{
      box-sizing:border-box;
    }

    .hri-page{
      max-width:1180px;
      margin:0 auto;
      padding:0 24px 58px;
      color:#1f2937;
      font-size:17px;
      line-height:1.72;
    }

    .hri-page p{
      margin:0 0 18px;
    }

    .hri-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
    }

    .hri-page h2{
      margin:0 0 16px;
      color:#111827;
      font-size:34px;
      line-height:1.14;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .hri-page h3{
      margin:0 0 12px;
      color:#111827;
      font-size:23px;
      line-height:1.28;
      font-weight:850;
    }

    .hri-page h4{
      margin:0 0 8px;
      color:#1f2937;
      font-size:18px;
      line-height:1.35;
      font-weight:850;
    }

    .hri-author{
      margin:18px 0 28px;
      border-radius:22px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
    }

    .hri-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#fff7ed 0%,#eff6ff 70%,#ffffff 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .hri-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .hri-badge{
      display:inline-flex;
      margin:0 0 7px;
      padding:6px 11px;
      border-radius:999px;
      background:#7c2d12;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .hri-author-name{
      margin:0;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .hri-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .hri-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .hri-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .hri-author details{
      margin:0;
    }

    .hri-author summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#b45309;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .hri-author summary::-webkit-details-marker{
      display:none;
    }

    .hri-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .hri-author details[open] .hri-caret{
      transform:rotate(180deg);
    }

    .hri-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:860px;
      border-radius:16px;
      border:1px solid #e5e7eb;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .hri-author-panel p{
      margin:0 0 10px!important;
    }

    .hri-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .hri-hero{
      margin:0 0 38px;
      display:grid;
      grid-template-columns:minmax(0,1fr) minmax(320px,.82fr);
      gap:0;
      overflow:hidden;
      border-radius:34px;
      background:#111827;
      border:1px solid #fed7aa;
      box-shadow:0 22px 54px rgba(15,23,42,.12);
    }

    .hri-hero-copy{
      padding:38px;
      color:#fff;
      background:
        radial-gradient(circle at 15% 12%,rgba(249,115,22,.38),transparent 34%),
        radial-gradient(circle at 90% 88%,rgba(59,130,246,.22),transparent 34%),
        linear-gradient(135deg,#111827 0%,#1f2937 58%,#7c2d12 100%);
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .hri-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.16);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .hri-hero-copy h2{
      color:#fff;
      font-size:39px;
      max-width:740px;
    }

    .hri-hero-copy p{
      color:#f8fafc;
      max-width:720px;
    }

    .hri-hero-copy a{
      color:#fde68a;
    }

    .hri-hero-media{
      background:#fff;
      display:flex;
      flex-direction:column;
    }

    .hri-hero-media img{
      display:block;
      width:100%;
      height:100%;
      min-height:360px;
      object-fit:cover;
      object-position:center;
      flex:1;
    }

    .hri-hero-media figcaption{
      margin:0;
      padding:13px 15px;
      color:#475569;
      background:#f8fafc;
      font-size:13px;
      line-height:1.45;
      border-top:1px solid #e5e7eb;
    }

    .hri-intro-row{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
      margin:0 0 38px;
    }

    .hri-mini{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .hri-mini strong{
      display:block;
      margin:0 0 5px;
      color:#111827;
      font-size:17px;
      line-height:1.25;
      font-weight:950;
    }

    .hri-mini span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .hri-mini.orange{
      background:#fff7ed;
      border-color:#fed7aa;
    }

    .hri-mini.blue{
      background:#eff6ff;
      border-color:#bfdbfe;
    }

    .hri-mini.green{
      background:#ecfdf5;
      border-color:#bbf7d0;
    }

    .hri-mini.purple{
      background:#f5f3ff;
      border-color:#ddd6fe;
    }

    .hri-section{
      margin:46px 0;
    }

    .hri-split{
      display:grid;
      grid-template-columns:minmax(0,1fr) 330px;
      gap:26px;
      align-items:start;
      margin:22px 0 0;
    }

    .hri-side{
      padding:23px;
      border-radius:26px;
      background:linear-gradient(135deg,#7c2d12,#111827);
      color:#fff;
      box-shadow:0 18px 42px rgba(124,45,18,.18);
    }

    .hri-side h3{
      color:#fff;
    }

    .hri-side p,
    .hri-side li{
      color:#f8fafc;
      font-size:15px;
      line-height:1.6;
    }

    .hri-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .hri-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .hri-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .hri-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .hri-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .hri-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .hri-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .hri-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .hri-card p:last-child{
      margin-bottom:0;
    }

    .hri-list,
    .hri-numbered{
      margin:0 0 20px;
      padding-left:22px;
    }

    .hri-list li,
    .hri-numbered li{
      margin:0 0 12px;
    }

    .hri-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .hri-table{
      width:100%;
      border-collapse:collapse;
      min-width:790px;
      background:#fff;
    }

    .hri-table th,
    .hri-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .hri-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .hri-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .hri-table tr:last-child td{
      border-bottom:0;
    }

    .hri-process{
      counter-reset:hri-step;
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:16px;
      margin:26px 0 0;
    }

    .hri-process-card{
      position:relative;
      padding:22px 22px 22px 74px;
      border-radius:24px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .hri-process-card:before{
      counter-increment:hri-step;
      content:counter(hri-step);
      position:absolute;
      left:20px;
      top:22px;
      width:38px;
      height:38px;
      border-radius:14px;
      display:flex;
      align-items:center;
      justify-content:center;
      background:#fff7ed;
      color:#c2410c;
      font-weight:950;
      font-size:18px;
    }

    .hri-process-card p{
      margin-bottom:0;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .hri-video-band{
      margin:46px 0;
      display:grid;
      grid-template-columns:minmax(0,.86fr) minmax(350px,1.14fr);
      gap:24px;
      align-items:center;
      padding:26px;
      border-radius:30px;
      background:linear-gradient(135deg,#fff7ed 0%,#eff6ff 100%);
      border:1px solid #fed7aa;
      box-shadow:0 18px 42px rgba(15,23,42,.065);
    }

    .hri-video-copy{
      padding:10px;
    }

    .hri-video-frame{
      position:relative;
      width:100%;
      padding-bottom:56.25%;
      border-radius:22px;
      overflow:hidden;
      background:#111827;
      box-shadow:0 16px 38px rgba(15,23,42,.16);
    }

    .hri-video-frame iframe{
      position:absolute;
      inset:0;
      width:100%;
      height:100%;
      border:0;
    }

    .hri-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .hri-faq summary{
      cursor:pointer;
      color:#111827;
      font-weight:850;
      list-style:none;
    }

    .hri-faq summary::-webkit-details-marker{
      display:none;
    }

    .hri-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .hri-final-cta{
      margin:46px auto 32px;
      max-width:820px;
      padding:26px;
      border-radius:28px;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      color:#fff;
      box-shadow:0 18px 44px rgba(10,20,40,.18);
      text-align:center;
    }

    .hri-final-cta h2{
      margin:0 0 8px;
      color:#fff;
      font-size:30px;
    }

    .hri-final-cta p{
      max-width:680px;
      margin:0 auto 16px;
      color:#e5e7eb;
      font-size:15px;
      line-height:1.6;
    }

    .hri-final-form{
      display:flex;
      flex-wrap:wrap;
      gap:10px;
      align-items:center;
      justify-content:center;
      margin:0;
      padding:0;
      width:100%;
    }

    .hri-final-form input,
    .hri-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .hri-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .hri-final-field{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .hri-final-button{
      flex:0 0 150px;
      min-width:150px;
      margin:0;
      padding:0;
    }

    .hri-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .hri-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .hri-refs h3{
      margin:0 0 12px;
      color:#111827;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .hri-refs ol{
      margin:0;
      padding-left:20px;
    }

    .hri-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .hri-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .hri-author-top,
      .hri-hero,
      .hri-intro-row,
      .hri-split,
      .hri-grid-2,
      .hri-grid-3,
      .hri-process,
      .hri-video-band{
        grid-template-columns:1fr;
      }

      .hri-author-date{
        text-align:left;
        white-space:normal;
      }

      .hri-hero-media img{
        min-height:280px;
      }
    }

    @media(max-width:640px){
      .hri-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .hri-page h2{
        font-size:28px;
      }

      .hri-hero-copy,
      .hri-video-band{
        padding:22px;
      }

      .hri-hero-copy h2{
        font-size:31px;
      }

      .hri-final-cta{
        padding:22px 18px;
      }

      .hri-final-field,
      .hri-final-button{
        flex:1 1 100%;
        max-width:100%;
      }
    }
    
    /* ================================================================
    https://loyainsurance.org/best-auto-insurance-first-time-buyers-loya/
    ==================================================================== */
     .ftb-article,
    .ftb-article *{
      box-sizing:border-box;
    }

    .ftb-article{
      max-width:1180px;
      margin:0 auto;
      padding:0 24px 58px;
      color:#182235;
      font-size:17px;
      line-height:1.72;
    }

    .ftb-article p{
      margin:0 0 18px;
    }

    .ftb-article a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .ftb-article h2{
      margin:0 0 16px;
      color:#0b1f3a;
      font-size:34px;
      line-height:1.14;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .ftb-article h3{
      margin:0 0 10px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .ftb-article h4{
      margin:0 0 8px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.28;
      font-weight:850;
    }

    .ftb-author{
      margin:18px 0 30px;
      border-radius:24px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
    }

    .ftb-author-top{
      display:grid;
      grid-template-columns:72px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 52%,#fff7ed 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .ftb-author img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .ftb-badge{
      display:inline-flex;
      margin:0 0 7px;
      padding:6px 11px;
      border-radius:999px;
      background:#0b1f3a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .ftb-author-name{
      margin:0;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .ftb-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .ftb-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .ftb-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .ftb-author details{
      margin:0;
    }

    .ftb-author summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .ftb-author summary::-webkit-details-marker{
      display:none;
    }

    .ftb-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .ftb-author details[open] .ftb-caret{
      transform:rotate(180deg);
    }

    .ftb-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:860px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .ftb-author-panel p{
      margin:0 0 10px!important;
    }

    .ftb-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .ftb-hero{
      margin:0 0 38px;
      display:grid;
      grid-template-columns:minmax(0,.98fr) minmax(340px,.78fr);
      gap:0;
      border-radius:34px;
      overflow:hidden;
      background:#0b1f3a;
      border:1px solid #dbeafe;
      box-shadow:0 22px 54px rgba(15,23,42,.12);
    }

    .ftb-hero-copy{
      padding:38px;
      background:
        radial-gradient(circle at 14% 18%,rgba(255,122,26,.32),transparent 32%),
        radial-gradient(circle at 84% 84%,rgba(59,130,246,.28),transparent 35%),
        linear-gradient(135deg,#081a33 0%,#0b1f3a 56%,#0b67ae 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .ftb-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.16);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .ftb-hero-copy h2{
      color:#fff;
      font-size:39px;
      line-height:1.08;
    }

    .ftb-hero-copy p{
      color:#eaf2ff;
    }

    .ftb-hero-copy a{
      color:#bfdbfe;
    }

    .ftb-lede{
      font-size:18px;
      line-height:1.72;
    }

    .ftb-hero-media{
      display:flex;
      flex-direction:column;
      background:#fff;
    }

    .ftb-hero-media img{
      display:block;
      width:100%;
      height:100%;
      min-height:390px;
      object-fit:cover;
      flex:1;
    }

    .ftb-hero-media p{
      margin:0;
      padding:13px 15px;
      color:#475569;
      background:#f8fafc;
      font-size:13px;
      line-height:1.45;
      border-top:1px solid #e2e8f0;
    }

    .ftb-note{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .ftb-note strong{
      color:#9a3412;
      font-weight:900;
    }

    .ftb-section{
      margin:46px 0;
    }

    .ftb-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .ftb-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .ftb-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .ftb-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .ftb-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .ftb-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .ftb-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .ftb-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .ftb-card p:last-child{
      margin-bottom:0;
    }

    .ftb-list,
    .ftb-numbered{
      margin:0 0 20px;
      padding-left:22px;
    }

    .ftb-list li,
    .ftb-numbered li{
      margin:0 0 12px;
    }

    .ftb-path{
      margin:28px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .ftb-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .ftb-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#eef6ff;
      color:#0b67ae;
      font-size:18px;
      font-weight:950;
    }

    .ftb-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .ftb-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .ftb-table{
      width:100%;
      border-collapse:collapse;
      min-width:760px;
      background:#fff;
    }

    .ftb-table th,
    .ftb-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .ftb-table th{
      background:#0b1f3a;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .ftb-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .ftb-table tr:last-child td{
      border-bottom:0;
    }

    .ftb-video-band{
      margin:46px 0;
      display:grid;
      grid-template-columns:minmax(0,.82fr) minmax(350px,1.18fr);
      gap:24px;
      align-items:center;
      padding:26px;
      border-radius:30px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 100%);
      border:1px solid #dbeafe;
      box-shadow:0 18px 42px rgba(15,23,42,.065);
    }

    .ftb-video-copy{
      padding:10px;
    }

    .ftb-video-frame{
      position:relative;
      width:100%;
      padding-bottom:56.25%;
      border-radius:22px;
      overflow:hidden;
      background:#0b1f3a;
      box-shadow:0 16px 38px rgba(15,23,42,.16);
    }

    .ftb-video-frame iframe{
      position:absolute;
      inset:0;
      width:100%;
      height:100%;
      border:0;
    }

    .ftb-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .ftb-faq summary{
      cursor:pointer;
      color:#0b1f3a;
      font-weight:850;
      list-style:none;
    }

    .ftb-faq summary::-webkit-details-marker{
      display:none;
    }

    .ftb-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .ftb-simple-cta{
      margin:46px auto 34px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .ftb-simple-cta-card{
      max-width:780px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:24px 24px 22px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:none;
      color:#fff;
    }

    .ftb-simple-cta-title{
      display:block;
      color:#ffffff!important;
      font-size:26px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 8px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .ftb-simple-cta-text{
      display:block;
      color:#e2e8f0!important;
      font-size:15px;
      line-height:1.55;
      font-weight:500;
      margin:0 0 16px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .ftb-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .ftb-final-form input,
    .ftb-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .ftb-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .ftb-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .ftb-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .ftb-refs h3{
      margin:0 0 12px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .ftb-refs ol{
      margin:0;
      padding-left:20px;
    }

    .ftb-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .ftb-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .ftb-author-top,
      .ftb-hero,
      .ftb-grid-2,
      .ftb-grid-3,
      .ftb-path,
      .ftb-video-band{
        grid-template-columns:1fr;
      }

      .ftb-author-date{
        text-align:left;
        white-space:normal;
      }
    }

    @media(max-width:640px){
      .ftb-article{
        padding:0 18px 44px;
        font-size:16px;
      }

      .ftb-article h2{
        font-size:28px;
      }

      .ftb-hero-copy,
      .ftb-video-band{
        padding:22px;
      }

      .ftb-hero-copy h2{
        font-size:31px;
      }
    }
    
    
    /* ==============================================================
    https://loyainsurance.org/loya-insurance-comparison-las-vegas-rates-coverage/
    =============================================================== */
    .lvc-page,
    .lvc-page *{box-sizing:border-box;}
    .lvc-page{max-width:1180px;margin:0 auto;padding:0 24px 58px;color:#172033;font-size:17px;line-height:1.72;}
    .lvc-page p{margin:0 0 18px;}
    .lvc-page h2{margin:0 0 16px;color:#0b1f3a;font-size:34px;line-height:1.14;font-weight:900;letter-spacing:-.025em;}
    .lvc-page h3{margin:0 0 11px;color:#0b1f3a;font-size:23px;line-height:1.22;font-weight:850;}
    .lvc-page h4{margin:0 0 8px;color:#0b1f3a;font-size:18px;line-height:1.25;font-weight:850;}
    .lvc-page a{color:#0b67ae;text-decoration:underline;text-underline-offset:2px;}
    .lvc-author{margin:18px 0 32px;border-radius:24px;overflow:hidden;background:#fff;border:1px solid #e2e8f0;box-shadow:0 14px 34px rgba(15,23,42,.06);}
    .lvc-author-top{display:grid;grid-template-columns:72px minmax(0,1fr) auto;gap:16px;align-items:center;padding:18px 20px;background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 50%,#fff7ed 100%);border-bottom:1px solid #e2e8f0;}
    .lvc-author img{width:58px;height:58px;border-radius:999px;object-fit:cover;border:2px solid #fff;box-shadow:0 10px 24px rgba(15,23,42,.12);}
    .lvc-badge{display:inline-flex;margin:0 0 7px;padding:6px 11px;border-radius:999px;background:#0b1f3a;color:#fff;font-size:12px;line-height:1;font-weight:900;letter-spacing:.04em;text-transform:uppercase;}
    .lvc-author-name{margin:0;color:#0b1f3a;font-size:18px;line-height:1.25;font-weight:900;}
    .lvc-author-role{margin:4px 0 0!important;color:#64748b;font-size:13px;line-height:1.45;font-weight:650;}
    .lvc-author-date{color:#64748b;font-size:13px;line-height:1.45;font-style:italic;text-align:right;white-space:nowrap;}
    .lvc-author-body{padding:15px 20px 17px;background:#fff;}
    .lvc-author details{margin:0;}
    .lvc-author summary{cursor:pointer;display:inline-flex;align-items:center;gap:8px;color:#0b67ae;font-size:13px;line-height:1.3;font-weight:850;list-style:none;user-select:none;}
    .lvc-author summary::-webkit-details-marker{display:none;}
    .lvc-caret{display:inline-block;transition:transform .2s ease;font-size:12px;line-height:1;}
    .lvc-author details[open] .lvc-caret{transform:rotate(180deg);}
    .lvc-author-panel{margin-top:12px;padding:14px 16px;max-width:850px;border-radius:16px;border:1px solid #e2e8f0;background:linear-gradient(135deg,#f8fafc,#ffffff);color:#475569;font-size:14px;line-height:1.65;}
    .lvc-author-panel p{margin:0 0 10px!important;}
    .lvc-author-panel p:last-child{margin-bottom:0!important;}
    .lvc-hero{margin:0 0 38px;border-radius:34px;overflow:hidden;background:#0b1f3a;border:1px solid #dbeafe;box-shadow:0 22px 54px rgba(15,23,42,.12);}
    .lvc-hero-inner{display:grid;grid-template-columns:minmax(0,.95fr) minmax(330px,1.05fr);min-height:430px;}
    .lvc-hero-copy{padding:38px;background:radial-gradient(circle at 12% 18%,rgba(255,122,26,.28),transparent 32%),radial-gradient(circle at 90% 86%,rgba(59,130,246,.28),transparent 36%),linear-gradient(135deg,#081a33 0%,#0b1f3a 58%,#0b67ae 100%);color:#fff;display:flex;flex-direction:column;justify-content:center;}
    .lvc-eyebrow{display:inline-flex;width:max-content;margin:0 0 18px;padding:8px 14px;border-radius:999px;background:rgba(255,255,255,.15);color:#fff;font-size:13px;line-height:1;font-weight:900;letter-spacing:.04em;text-transform:uppercase;}
    .lvc-hero-copy h2{color:#fff;font-size:38px;max-width:720px;}
    .lvc-hero-copy p{color:#eaf2ff;max-width:700px;}
    .lvc-hero-copy a{color:#bfdbfe;}
    .lvc-lede{font-size:18px;line-height:1.72;}
    .lvc-hero-media{background:#fff;display:flex;flex-direction:column;}
    .lvc-hero-media figure{margin:0;flex:1;display:flex;flex-direction:column;}
    .lvc-hero-media img{display:block;width:100%;height:100%;min-height:340px;object-fit:cover;flex:1;}
    .lvc-hero-media figcaption{margin:0;padding:13px 15px;color:#475569;background:#f8fafc;font-size:13px;line-height:1.45;border-top:1px solid #e2e8f0;}
    .lvc-stat-row{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:0;background:#fff;border-top:1px solid #e2e8f0;}
    .lvc-stat{padding:18px 20px;border-right:1px solid #e2e8f0;background:#fff;}
    .lvc-stat:nth-child(2){background:#eff6ff;}
    .lvc-stat:nth-child(3){background:#fff7ed;}
    .lvc-stat:nth-child(4){background:#ecfdf5;border-right:0;}
    .lvc-stat strong{display:block;margin:0 0 4px;color:#0b1f3a;font-size:18px;line-height:1.2;font-weight:950;}
    .lvc-stat span{display:block;color:#475569;font-size:14px;line-height:1.5;}
    .lvc-section{margin:46px 0;}
    .lvc-note{margin:0 0 38px;padding:20px 22px;border-radius:22px;background:#fff7ed;border:1px solid #fed7aa;color:#7c2d12;box-shadow:0 12px 30px rgba(124,45,18,.055);}
    .lvc-note strong{color:#9a3412;font-weight:900;}
    .lvc-grid-2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px;margin:24px 0 0;}
    .lvc-grid-3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;margin:24px 0 0;}
    .lvc-card{height:100%;padding:22px;border-radius:22px;border:1px solid #e5e7eb;background:#fff;box-shadow:0 14px 34px rgba(15,23,42,.055);}
    .lvc-card.blue{background:linear-gradient(135deg,#eff6ff,#fff);border-color:#bfdbfe;}
    .lvc-card.green{background:linear-gradient(135deg,#ecfdf5,#fff);border-color:#bbf7d0;}
    .lvc-card.orange{background:linear-gradient(135deg,#fff7ed,#fff);border-color:#fed7aa;}
    .lvc-card.purple{background:linear-gradient(135deg,#f5f3ff,#fff);border-color:#ddd6fe;}
    .lvc-card.red{background:linear-gradient(135deg,#fef2f2,#fff);border-color:#fecaca;}
    .lvc-card p:last-child{margin-bottom:0;}
    .lvc-list{margin:0 0 20px;padding-left:22px;}
    .lvc-list li{margin:0 0 12px;}
    .lvc-table-wrap{margin:24px 0 30px;overflow-x:auto;border-radius:22px;border:1px solid #e5e7eb;background:#fff;box-shadow:0 16px 36px rgba(15,23,42,.05);}
    .lvc-table{width:100%;border-collapse:collapse;min-width:790px;background:#fff;}
    .lvc-table th,.lvc-table td{padding:16px 18px;text-align:left;vertical-align:top;border-bottom:1px solid #e5e7eb;font-size:15px;line-height:1.55;}
    .lvc-table th{background:#0b1f3a;color:#fff;font-size:14px;text-transform:uppercase;letter-spacing:.04em;font-weight:850;}
    .lvc-table tbody tr:nth-child(even) td{background:#f8fafc;}
    .lvc-table tr:last-child td{border-bottom:0;}
    .lvc-split{display:grid;grid-template-columns:340px minmax(0,1fr);gap:26px;align-items:start;margin:46px 0;}
    .lvc-side-panel{padding:24px;border-radius:28px;background:linear-gradient(135deg,#0b1f3a,#12335f);color:#fff;box-shadow:0 18px 42px rgba(8,32,68,.20);}
    .lvc-side-panel h2,.lvc-side-panel h3{color:#fff;}
    .lvc-side-panel p,.lvc-side-panel li{color:#e2e8f0;font-size:15px;line-height:1.6;}
    .lvc-video-band{margin:46px 0;display:grid;grid-template-columns:minmax(0,.82fr) minmax(350px,1.18fr);gap:24px;align-items:center;padding:26px;border-radius:30px;background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 100%);border:1px solid #dbeafe;box-shadow:0 18px 42px rgba(15,23,42,.065);}
    .lvc-video-copy{padding:10px;}
    .lvc-video-frame{position:relative;width:100%;padding-bottom:56.25%;border-radius:22px;overflow:hidden;background:#0b1f3a;box-shadow:0 16px 38px rgba(15,23,42,.16);}
    .lvc-video-frame iframe{position:absolute;inset:0;width:100%;height:100%;border:0;}
    .lvc-faq details{margin:0 0 12px;padding:17px 19px;border-radius:16px;background:#fff;border:1px solid #e5e7eb;box-shadow:0 10px 26px rgba(15,23,42,.04);}
    .lvc-faq summary{cursor:pointer;color:#0b1f3a;font-weight:850;list-style:none;}
    .lvc-faq summary::-webkit-details-marker{display:none;}
    .lvc-faq p{margin:12px 0 0!important;color:#475569;font-size:15px;line-height:1.6;}
    .lvc-simple-cta{margin:44px auto 0 auto;width:100%;display:flex;justify-content:center;}
    .lvc-simple-cta-inner{max-width:760px;width:100%;background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);border-radius:18px;padding:18px 20px 16px;box-shadow:0 10px 28px rgba(10,20,40,.18);box-sizing:border-box;border:none;}
    .lvc-disclaimer{margin:18px 0 0;padding:16px 18px;border-radius:18px;background:#f8fafc;border:1px solid #e2e8f0;color:#475569;font-size:14px;line-height:1.65;}
    .lvc-refs{margin-top:36px;padding-top:24px;border-top:1px solid #e5e7eb;}
    .lvc-refs h3{margin:0 0 12px;color:#0b1f3a;font-size:22px;line-height:1.2;font-weight:900;}
    .lvc-refs ol{margin:0;padding-left:20px;}
    .lvc-refs li{margin:0 0 10px;color:#334155;font-size:15px;line-height:1.6;}
    .lvc-ref-back{margin-left:6px;white-space:nowrap;text-decoration:none!important;font-weight:850;}
    @media(max-width:980px){.lvc-author-top,.lvc-hero-inner,.lvc-stat-row,.lvc-grid-2,.lvc-grid-3,.lvc-split,.lvc-video-band{grid-template-columns:1fr;}.lvc-author-date{text-align:left;white-space:normal;}.lvc-stat{border-right:0;border-bottom:1px solid #e2e8f0;}.lvc-stat:last-child{border-bottom:0;}}
    @media(max-width:640px){.lvc-page{padding:0 18px 44px;font-size:16px;}.lvc-page h2{font-size:28px;}.lvc-hero-copy,.lvc-video-band{padding:22px;}.lvc-hero-copy h2{font-size:31px;}}
    
    /* =================================================================
    https://loyainsurance.org/fred-loya-insurance-comparisons-best-rates/
    ===================================================================== */
    .flc-page,
    .flc-page *{
      box-sizing:border-box;
    }

    .flc-page{
      max-width:1160px;
      margin:0 auto;
      padding:0 22px 58px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .flc-page p{
      margin:0 0 18px;
    }

    .flc-page h2{
      margin:0 0 16px;
      color:#0b1f3a;
      font-size:33px;
      line-height:1.16;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .flc-page h3{
      margin:0 0 11px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.22;
      font-weight:850;
    }

    .flc-page h4{
      margin:0 0 8px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .flc-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .flc-author-card{
      margin:18px 0 32px;
      border-radius:22px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
    }

    .flc-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 48%,#fff7ed 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .flc-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .flc-author-label{
      display:inline-flex;
      margin:0 0 7px;
      padding:6px 11px;
      border-radius:999px;
      background:#0b1f3a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .flc-author-name{
      margin:0;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .flc-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .flc-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .flc-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .flc-author-body details{
      margin:0;
    }

    .flc-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .flc-author-body summary::-webkit-details-marker{
      display:none;
    }

    .flc-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .flc-author-body details[open] .flc-caret{
      transform:rotate(180deg);
    }

    .flc-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:820px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .flc-author-panel p{
      margin:0 0 10px!important;
    }

    .flc-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .flc-hero{
      margin:0 0 38px;
      border-radius:34px;
      overflow:hidden;
      background:#0b1f3a;
      border:1px solid #dbeafe;
      box-shadow:0 22px 54px rgba(15,23,42,.12);
    }

    .flc-hero-grid{
      display:grid;
      grid-template-columns:minmax(0,.95fr) minmax(360px,1.05fr);
      min-height:438px;
    }

    .flc-hero-copy{
      padding:40px;
      background:
        radial-gradient(circle at 14% 18%,rgba(255,122,26,.30),transparent 34%),
        radial-gradient(circle at 88% 86%,rgba(59,130,246,.27),transparent 36%),
        linear-gradient(135deg,#081a33 0%,#0b1f3a 58%,#12335f 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .flc-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.15);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .flc-hero-copy h2{
      color:#fff;
      font-size:38px;
      max-width:720px;
    }

    .flc-hero-copy p{
      color:#eaf2ff;
      max-width:720px;
    }

    .flc-hero-copy a{
      color:#bfdbfe;
    }

    .flc-lede{
      font-size:18px;
      line-height:1.72;
    }

    .flc-hero-media{
      background:#fff;
      display:flex;
      flex-direction:column;
    }

    .flc-hero-media figure{
      margin:0;
      flex:1;
      display:flex;
      flex-direction:column;
    }

    .flc-hero-media img{
      display:block;
      width:100%;
      height:100%;
      min-height:360px;
      object-fit:cover;
      flex:1;
    }

    .flc-hero-media figcaption{
      margin:0;
      padding:13px 15px;
      color:#475569;
      background:#f8fafc;
      font-size:13px;
      line-height:1.45;
      border-top:1px solid #e2e8f0;
    }

    .flc-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:0;
      background:#fff;
      border-top:1px solid rgba(226,232,240,.28);
    }

    .flc-stat{
      padding:18px 20px;
      border-right:1px solid #e2e8f0;
      background:#fff;
    }

    .flc-stat:nth-child(2){
      background:#eff6ff;
    }

    .flc-stat:nth-child(3){
      background:#fff7ed;
    }

    .flc-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .flc-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .flc-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .flc-note{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .flc-note strong{
      color:#9a3412;
      font-weight:900;
    }

    .flc-section{
      margin:46px 0;
    }

    .flc-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .flc-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .flc-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .flc-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .flc-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .flc-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .flc-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .flc-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .flc-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .flc-card p:last-child{
      margin-bottom:0;
    }

    .flc-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .flc-list li{
      margin:0 0 12px;
    }

    .flc-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .flc-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .flc-table th,
    .flc-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .flc-table th{
      background:#0b1f3a;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .flc-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .flc-table tr:last-child td{
      border-bottom:0;
    }

    .flc-side-layout{
      display:grid;
      grid-template-columns:320px minmax(0,1fr);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .flc-side-card{
      position:sticky;
      top:18px;
      padding:22px;
      border-radius:24px;
      background:linear-gradient(135deg,#0b1f3a,#12335f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.18);
    }

    .flc-side-card h3{
      color:#fff;
    }

    .flc-side-card p,
    .flc-side-card li{
      color:#e2e8f0;
      font-size:15px;
      line-height:1.6;
    }

    .flc-roadmap{
      margin:28px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .flc-roadmap-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .flc-roadmap-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#eef6ff;
      color:#0b67ae;
      font-size:18px;
      font-weight:950;
    }

    .flc-roadmap-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .flc-video-band{
      margin:44px 0;
      display:grid;
      grid-template-columns:minmax(0,.9fr) minmax(340px,1.1fr);
      gap:24px;
      align-items:center;
      padding:26px;
      border-radius:30px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 100%);
      border:1px solid #dbeafe;
      box-shadow:0 18px 42px rgba(15,23,42,.065);
    }

    .flc-video-copy{
      padding:10px;
    }

    .flc-video-frame{
      position:relative;
      width:100%;
      padding-bottom:56.25%;
      border-radius:22px;
      overflow:hidden;
      background:#0b1f3a;
      box-shadow:0 16px 38px rgba(15,23,42,.16);
    }

    .flc-video-frame iframe{
      position:absolute;
      inset:0;
      width:100%;
      height:100%;
      border:0;
    }

    .flc-quote{
      margin:30px 0;
      padding:24px;
      border-radius:26px;
      background:linear-gradient(135deg,#f5f3ff,#ffffff);
      border:1px solid #ddd6fe;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .flc-quote blockquote{
      margin:0;
      color:#4c1d95;
      font-size:20px;
      line-height:1.55;
      font-style:italic;
      font-weight:700;
    }

    .flc-quote figcaption{
      margin-top:12px;
      color:#64748b;
      font-size:14px;
      font-weight:800;
    }

    .flc-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .flc-faq summary{
      cursor:pointer;
      color:#0b1f3a;
      font-weight:850;
      list-style:none;
    }

    .flc-faq summary::-webkit-details-marker{
      display:none;
    }

    .flc-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .flc-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .flc-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .flc-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .flc-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .flc-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .flc-final-form input,
    .flc-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .flc-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .flc-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .flc-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .flc-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .flc-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .flc-refs h3{
      margin:0 0 12px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .flc-refs ol{
      margin:0;
      padding-left:20px;
    }

    .flc-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .flc-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .flc-author-top,
      .flc-hero-grid,
      .flc-stat-strip,
      .flc-grid-2,
      .flc-grid-3,
      .flc-side-layout,
      .flc-roadmap,
      .flc-video-band{
        grid-template-columns:1fr;
      }

      .flc-author-date{
        text-align:left;
        white-space:normal;
      }

      .flc-side-card{
        position:relative;
        top:auto;
      }

      .flc-stat{
        border-right:0;
        border-bottom:1px solid #e2e8f0;
      }

      .flc-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .flc-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .flc-page h2{
        font-size:28px;
      }

      .flc-hero-copy,
      .flc-video-band{
        padding:22px;
      }

      .flc-hero-copy h2{
        font-size:31px;
      }

      .flc-form-col,
      .flc-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* =================================================================
    https://loyainsurance.org/impact-driving-history-auto-insurance-costs/
    ====================================================================== */
    .ldh-page,
    .ldh-page *{
      box-sizing:border-box;
    }

    .ldh-page{
      max-width:1160px;
      margin:0 auto;
      padding:0 22px 58px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .ldh-page p{
      margin:0 0 18px;
    }

    .ldh-page h2{
      margin:0 0 16px;
      color:#0b1f3a;
      font-size:33px;
      line-height:1.16;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .ldh-page h3{
      margin:0 0 11px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.22;
      font-weight:850;
    }

    .ldh-page h4{
      margin:0 0 8px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .ldh-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
      font-weight:750;
    }

    .ldh-author-card{
      margin:18px 0 32px;
      border-radius:22px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
    }

    .ldh-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#fff7ed 0%,#f8fafc 45%,#eef6ff 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .ldh-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .ldh-author-label{
      display:inline-flex;
      margin:0 0 7px;
      padding:6px 11px;
      border-radius:999px;
      background:#0b1f3a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .ldh-author-name{
      margin:0;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .ldh-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .ldh-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .ldh-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .ldh-author-body details{
      margin:0;
    }

    .ldh-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .ldh-author-body summary::-webkit-details-marker{
      display:none;
    }

    .ldh-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .ldh-author-body details[open] .ldh-caret{
      transform:rotate(180deg);
    }

    .ldh-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:860px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .ldh-author-panel p{
      margin:0 0 10px!important;
    }

    .ldh-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .ldh-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .ldh-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#eef6ff;
      border:1px solid #bfdbfe;
      color:#0b4f8a;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .ldh-hero{
      margin:0 0 38px;
      border-radius:34px;
      overflow:hidden;
      background:#0b1f3a;
      border:1px solid #dbeafe;
      box-shadow:0 22px 54px rgba(15,23,42,.12);
    }

    .ldh-hero-grid{
      display:grid;
      grid-template-columns:minmax(0,.96fr) minmax(360px,1.04fr);
      min-height:438px;
    }

    .ldh-hero-copy{
      padding:40px;
      background:
        radial-gradient(circle at 14% 18%,rgba(255,122,26,.30),transparent 34%),
        radial-gradient(circle at 88% 86%,rgba(59,130,246,.27),transparent 36%),
        linear-gradient(135deg,#081a33 0%,#0b1f3a 58%,#12335f 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .ldh-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.15);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .ldh-hero-title{
      margin:0 0 16px;
      color:#fff;
      font-size:39px;
      line-height:1.1;
      font-weight:950;
      letter-spacing:-.035em;
      max-width:720px;
    }

    .ldh-hero-copy p{
      color:#eaf2ff;
      max-width:720px;
    }

    .ldh-hero-copy a{
      color:#bfdbfe;
    }

    .ldh-lede{
      font-size:18px;
      line-height:1.72;
    }

    .ldh-hero-media{
      background:#fff;
      display:flex;
      flex-direction:column;
    }

    .ldh-hero-media figure{
      margin:0;
      flex:1;
      display:flex;
      flex-direction:column;
    }

    .ldh-hero-media img{
      display:block;
      width:100%;
      height:100%;
      min-height:360px;
      object-fit:cover;
      flex:1;
    }

    .ldh-hero-media figcaption{
      margin:0;
      padding:13px 15px;
      color:#475569;
      background:#f8fafc;
      font-size:13px;
      line-height:1.45;
      border-top:1px solid #e2e8f0;
    }

    .ldh-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:0;
      background:#fff;
      border-top:1px solid rgba(226,232,240,.28);
    }

    .ldh-stat{
      padding:18px 20px;
      border-right:1px solid #e2e8f0;
      background:#fff;
    }

    .ldh-stat:nth-child(2){
      background:#eff6ff;
    }

    .ldh-stat:nth-child(3){
      background:#fff7ed;
    }

    .ldh-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .ldh-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .ldh-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .ldh-note{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .ldh-note strong{
      color:#9a3412;
      font-weight:900;
    }

    .ldh-section{
      margin:46px 0;
    }

    .ldh-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .ldh-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .ldh-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .ldh-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .ldh-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .ldh-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .ldh-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .ldh-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .ldh-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .ldh-card.gray{
      background:linear-gradient(135deg,#f8fafc,#fff);
      border-color:#e2e8f0;
    }

    .ldh-card p:last-child{
      margin-bottom:0;
    }

    .ldh-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .ldh-list li{
      margin:0 0 12px;
    }

    .ldh-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .ldh-table{
      width:100%;
      border-collapse:collapse;
      min-width:840px;
      background:#fff;
    }

    .ldh-table th,
    .ldh-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .ldh-table th{
      background:#0b1f3a;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .ldh-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .ldh-table tr:last-child td{
      border-bottom:0;
    }

    .ldh-impact{
      display:inline-flex;
      padding:5px 10px;
      border-radius:999px;
      font-size:12px;
      line-height:1;
      font-weight:900;
      white-space:nowrap;
    }

    .ldh-impact-low{
      color:#166534;
      background:#dcfce7;
      border:1px solid #bbf7d0;
    }

    .ldh-impact-mid{
      color:#9a3412;
      background:#ffedd5;
      border:1px solid #fed7aa;
    }

    .ldh-impact-high{
      color:#991b1b;
      background:#fee2e2;
      border:1px solid #fecaca;
    }

    .ldh-side-layout{
      display:grid;
      grid-template-columns:minmax(0,1fr) 320px;
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .ldh-side-card{
      position:sticky;
      top:18px;
      padding:22px;
      border-radius:24px;
      background:linear-gradient(135deg,#0b1f3a,#12335f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.18);
    }

    .ldh-side-card h3{
      color:#fff;
    }

    .ldh-side-card p,
    .ldh-side-card li{
      color:#e2e8f0;
      font-size:15px;
      line-height:1.6;
    }

    .ldh-roadmap{
      margin:28px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .ldh-roadmap-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .ldh-roadmap-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#eef6ff;
      color:#0b67ae;
      font-size:18px;
      font-weight:950;
    }

    .ldh-roadmap-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .ldh-factor-map{
      margin:26px 0 0;
      padding:22px;
      border-radius:28px;
      background:linear-gradient(135deg,#0b1f3a 0%,#12335f 58%,#7c2d12 100%);
      color:#fff;
      box-shadow:0 20px 46px rgba(15,23,42,.16);
    }

    .ldh-factor-map h3{
      color:#fff;
      margin-bottom:14px;
    }

    .ldh-factor-grid{
      display:grid;
      grid-template-columns:repeat(5,minmax(0,1fr));
      gap:12px;
    }

    .ldh-factor{
      min-height:132px;
      padding:16px;
      border-radius:18px;
      background:rgba(255,255,255,.1);
      border:1px solid rgba(255,255,255,.16);
    }

    .ldh-factor strong{
      display:block;
      color:#fff;
      font-size:15px;
      line-height:1.25;
      margin:0 0 8px;
    }

    .ldh-factor span{
      display:block;
      color:#e5e7eb;
      font-size:13px;
      line-height:1.45;
    }

    .ldh-video-band{
      margin:44px 0;
      display:grid;
      grid-template-columns:minmax(0,.92fr) minmax(340px,1.08fr);
      gap:26px;
      align-items:center;
      padding:28px;
      border-radius:30px;
      background:
        radial-gradient(circle at 10% 10%,rgba(11,103,174,.12),transparent 30%),
        linear-gradient(135deg,#f8fafc 0%,#eef6ff 100%);
      border:1px solid #dbeafe;
      box-shadow:0 18px 42px rgba(15,23,42,.065);
    }

    .ldh-video-copy{
      padding:10px;
    }

    .ldh-video-label{
      display:inline-flex;
      margin:0 0 12px;
      padding:7px 12px;
      border-radius:999px;
      background:#0b1f3a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .ldh-video-frame-wrap{
      padding:10px;
      border-radius:28px;
      background:#fff;
      border:1px solid #dbeafe;
      box-shadow:0 18px 42px rgba(15,23,42,.12);
    }

    .ldh-video-frame{
      position:relative;
      width:100%;
      aspect-ratio:16/9;
      border-radius:20px;
      overflow:hidden;
      background:#0b1f3a;
    }

    .ldh-video-frame iframe{
      position:absolute;
      inset:0;
      width:100%;
      height:100%;
      border:0;
    }

    .ldh-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .ldh-faq summary{
      cursor:pointer;
      color:#0b1f3a;
      font-weight:850;
      list-style:none;
    }

    .ldh-faq summary::-webkit-details-marker{
      display:none;
    }

    .ldh-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .ldh-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .ldh-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .ldh-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .ldh-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .ldh-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .ldh-final-form input,
    .ldh-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .ldh-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .ldh-final-form button:hover{
      background:#b91c1c;
    }

    .ldh-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .ldh-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .ldh-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .ldh-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .ldh-refs h3{
      margin:0 0 12px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .ldh-refs ol{
      margin:0;
      padding-left:20px;
    }

    .ldh-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .ldh-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .ldh-author-top,
      .ldh-hero-grid,
      .ldh-stat-strip,
      .ldh-grid-2,
      .ldh-grid-3,
      .ldh-side-layout,
      .ldh-roadmap,
      .ldh-factor-grid,
      .ldh-video-band{
        grid-template-columns:1fr;
      }

      .ldh-author-date{
        text-align:left;
        white-space:normal;
      }

      .ldh-side-card{
        position:relative;
        top:auto;
      }

      .ldh-stat{
        border-right:0;
        border-bottom:1px solid #e2e8f0;
      }

      .ldh-stat:last-child{
        border-bottom:0;
      }

      .ldh-factor{
        min-height:auto;
      }
    }

    @media(max-width:640px){
      .ldh-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .ldh-page h2{
        font-size:28px;
      }

      .ldh-hero-copy,
      .ldh-video-band{
        padding:22px;
      }

      .ldh-hero-title{
        font-size:31px;
      }

      .ldh-video-frame-wrap{
        padding:7px;
      }

      .ldh-form-col,
      .ldh-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* ===============================================================
    https://loyainsurance.org/uninsured-motorist-coverage-benefits/
    =============================================================== */
    .umb-page,
    .umb-page *{
      box-sizing:border-box;
    }

    .umb-page{
      max-width:1160px;
      margin:0 auto;
      padding:0 22px 58px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .umb-page p{
      margin:0 0 18px;
    }

    .umb-page h2{
      margin:0 0 16px;
      color:#0b1f3a;
      font-size:33px;
      line-height:1.16;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .umb-page h3{
      margin:0 0 11px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.22;
      font-weight:850;
    }

    .umb-page h4{
      margin:0 0 8px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .umb-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .umb-author-card{
      margin:18px 0 32px;
      border-radius:22px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
    }

    .umb-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 46%,#fff7ed 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .umb-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .umb-author-label{
      display:inline-flex;
      margin:0 0 7px;
      padding:6px 11px;
      border-radius:999px;
      background:#0b1f3a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .umb-author-name{
      margin:0;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .umb-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .umb-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .umb-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .umb-author-body details{
      margin:0;
    }

    .umb-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .umb-author-body summary::-webkit-details-marker{
      display:none;
    }

    .umb-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .umb-author-body details[open] .umb-caret{
      transform:rotate(180deg);
    }

    .umb-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:820px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .umb-author-panel p{
      margin:0 0 10px!important;
    }

    .umb-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .umb-hero{
      margin:0 0 38px;
      border-radius:34px;
      overflow:hidden;
      background:#0b1f3a;
      border:1px solid #dbeafe;
      box-shadow:0 22px 54px rgba(15,23,42,.12);
    }

    .umb-hero-grid{
      display:grid;
      grid-template-columns:minmax(0,.92fr) minmax(360px,1.08fr);
      min-height:438px;
    }

    .umb-hero-media{
      position:relative;
      min-height:438px;
      background:#0b1f3a;
    }

    .umb-hero-media img{
      width:100%;
      height:100%;
      min-height:438px;
      display:block;
      object-fit:cover;
    }

    .umb-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(90deg,rgba(8,26,51,.08),rgba(8,26,51,.34));
      pointer-events:none;
    }

    .umb-hero-caption{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:13px 15px;
      border-radius:16px;
      background:rgba(255,255,255,.88);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 12px 30px rgba(15,23,42,.13);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .umb-hero-copy{
      padding:40px;
      background:
        radial-gradient(circle at 90% 12%,rgba(255,122,26,.30),transparent 34%),
        radial-gradient(circle at 12% 88%,rgba(59,130,246,.28),transparent 36%),
        linear-gradient(135deg,#081a33 0%,#0b1f3a 58%,#12335f 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .umb-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.15);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .umb-hero-copy h2{
      color:#fff;
      font-size:38px;
      max-width:720px;
    }

    .umb-hero-copy p{
      color:#eaf2ff;
      max-width:720px;
    }

    .umb-hero-copy a{
      color:#bfdbfe;
    }

    .umb-lede{
      font-size:18px;
      line-height:1.72;
    }

    .umb-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:0;
      background:#fff;
      border-top:1px solid rgba(226,232,240,.28);
    }

    .umb-stat{
      padding:18px 20px;
      border-right:1px solid #e2e8f0;
      background:#fff;
    }

    .umb-stat:nth-child(2){
      background:#eff6ff;
    }

    .umb-stat:nth-child(3){
      background:#fff7ed;
    }

    .umb-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .umb-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .umb-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .umb-note{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .umb-note strong{
      color:#9a3412;
      font-weight:900;
    }

    .umb-section{
      margin:46px 0;
    }

    .umb-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .umb-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .umb-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .umb-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .umb-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .umb-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .umb-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .umb-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .umb-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .umb-card p:last-child{
      margin-bottom:0;
    }

    .umb-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .umb-list li{
      margin:0 0 12px;
    }

    .umb-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .umb-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .umb-table th,
    .umb-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .umb-table th{
      background:#0b1f3a;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .umb-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .umb-table tr:last-child td{
      border-bottom:0;
    }

    .umb-side-layout{
      display:grid;
      grid-template-columns:320px minmax(0,1fr);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .umb-side-card{
      position:sticky;
      top:18px;
      padding:22px;
      border-radius:24px;
      background:linear-gradient(135deg,#0b1f3a,#12335f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.18);
    }

    .umb-side-card h3{
      color:#fff;
    }

    .umb-side-card p,
    .umb-side-card li{
      color:#e2e8f0;
      font-size:15px;
      line-height:1.6;
    }

    .umb-roadmap{
      margin:28px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .umb-roadmap-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .umb-roadmap-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#eef6ff;
      color:#0b67ae;
      font-size:18px;
      font-weight:950;
    }

    .umb-roadmap-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .umb-quote{
      margin:30px 0;
      padding:24px;
      border-radius:26px;
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border:1px solid #bbf7d0;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .umb-quote blockquote{
      margin:0;
      color:#14532d;
      font-size:20px;
      line-height:1.55;
      font-style:italic;
      font-weight:750;
    }

    .umb-quote figcaption{
      margin-top:12px;
      color:#64748b;
      font-size:14px;
      font-weight:800;
    }

    .umb-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .umb-faq summary{
      cursor:pointer;
      color:#0b1f3a;
      font-weight:850;
      list-style:none;
    }

    .umb-faq summary::-webkit-details-marker{
      display:none;
    }

    .umb-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .umb-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .umb-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .umb-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .umb-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .umb-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .umb-final-form input,
    .umb-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .umb-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .umb-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .umb-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .umb-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .umb-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .umb-refs h3{
      margin:0 0 12px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .umb-refs ol{
      margin:0;
      padding-left:20px;
    }

    .umb-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .umb-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .umb-author-top,
      .umb-hero-grid,
      .umb-stat-strip,
      .umb-grid-2,
      .umb-grid-3,
      .umb-side-layout,
      .umb-roadmap{
        grid-template-columns:1fr;
      }

      .umb-author-date{
        text-align:left;
        white-space:normal;
      }

      .umb-side-card{
        position:relative;
        top:auto;
      }

      .umb-stat{
        border-right:0;
        border-bottom:1px solid #e2e8f0;
      }

      .umb-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .umb-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .umb-page h2{
        font-size:28px;
      }

      .umb-hero-copy{
        padding:22px;
      }

      .umb-hero-copy h2{
        font-size:31px;
      }

      .umb-form-col,
      .umb-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* =============================================================
    https://loyainsurance.org/integrate-uninsured-motorist-coverage-for-safety/
    ================================================================== */
    .aum-page,
    .aum-page *{
      box-sizing:border-box;
    }

    .aum-page{
      max-width:1160px;
      margin:0 auto;
      padding:0 22px 58px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .aum-page p{
      margin:0 0 18px;
    }

    .aum-page h2{
      margin:0 0 16px;
      color:#0b1f3a;
      font-size:33px;
      line-height:1.16;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .aum-page h3{
      margin:0 0 11px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.22;
      font-weight:850;
    }

    .aum-page h4{
      margin:0 0 8px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .aum-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .aum-author-card{
      margin:18px 0 32px;
      border-radius:22px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
    }

    .aum-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#fff7ed 0%,#f8fafc 48%,#eef6ff 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .aum-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .aum-author-label{
      display:inline-flex;
      margin:0 0 7px;
      padding:6px 11px;
      border-radius:999px;
      background:#0b1f3a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .aum-author-name{
      margin:0;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .aum-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .aum-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .aum-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .aum-author-body details{
      margin:0;
    }

    .aum-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .aum-author-body summary::-webkit-details-marker{
      display:none;
    }

    .aum-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .aum-author-body details[open] .aum-caret{
      transform:rotate(180deg);
    }

    .aum-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:820px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .aum-author-panel p{
      margin:0 0 10px!important;
    }

    .aum-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .aum-hero{
      margin:0 0 38px;
      border-radius:34px;
      overflow:hidden;
      background:#0b1f3a;
      border:1px solid #dbeafe;
      box-shadow:0 22px 54px rgba(15,23,42,.12);
    }

    .aum-hero-grid{
      display:grid;
      grid-template-columns:minmax(0,1fr) minmax(360px,.92fr);
      min-height:438px;
    }

    .aum-hero-copy{
      padding:40px;
      background:
        radial-gradient(circle at 12% 16%,rgba(255,122,26,.28),transparent 34%),
        radial-gradient(circle at 88% 86%,rgba(59,130,246,.28),transparent 36%),
        linear-gradient(135deg,#081a33 0%,#0b1f3a 58%,#12335f 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .aum-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.15);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .aum-hero-copy h2{
      color:#fff;
      font-size:38px;
      max-width:720px;
    }

    .aum-hero-copy p{
      color:#eaf2ff;
      max-width:720px;
    }

    .aum-hero-copy a{
      color:#bfdbfe;
    }

    .aum-lede{
      font-size:18px;
      line-height:1.72;
    }

    .aum-hero-media{
      background:#fff;
      display:flex;
      flex-direction:column;
    }

    .aum-hero-media figure{
      margin:0;
      flex:1;
      display:flex;
      flex-direction:column;
    }

    .aum-hero-media img{
      display:block;
      width:100%;
      height:100%;
      min-height:360px;
      object-fit:cover;
      flex:1;
    }

    .aum-hero-media figcaption{
      margin:0;
      padding:13px 15px;
      color:#475569;
      background:#f8fafc;
      font-size:13px;
      line-height:1.45;
      border-top:1px solid #e2e8f0;
    }

    .aum-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:0;
      background:#fff;
      border-top:1px solid rgba(226,232,240,.28);
    }

    .aum-stat{
      padding:18px 20px;
      border-right:1px solid #e2e8f0;
      background:#fff;
    }

    .aum-stat:nth-child(2){
      background:#eff6ff;
    }

    .aum-stat:nth-child(3){
      background:#fff7ed;
    }

    .aum-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .aum-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .aum-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .aum-note{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .aum-note strong{
      color:#9a3412;
      font-weight:900;
    }

    .aum-section{
      margin:46px 0;
    }

    .aum-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .aum-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .aum-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .aum-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .aum-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .aum-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .aum-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .aum-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .aum-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .aum-card p:last-child{
      margin-bottom:0;
    }

    .aum-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .aum-list li{
      margin:0 0 12px;
    }

    .aum-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .aum-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .aum-table th,
    .aum-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .aum-table th{
      background:#0b1f3a;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .aum-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .aum-table tr:last-child td{
      border-bottom:0;
    }

    .aum-side-layout{
      display:grid;
      grid-template-columns:320px minmax(0,1fr);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .aum-side-card{
      position:sticky;
      top:18px;
      padding:22px;
      border-radius:24px;
      background:linear-gradient(135deg,#0b1f3a,#12335f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.18);
    }

    .aum-side-card h3{
      color:#fff;
    }

    .aum-side-card p,
    .aum-side-card li{
      color:#e2e8f0;
      font-size:15px;
      line-height:1.6;
    }

    .aum-roadmap{
      margin:28px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .aum-roadmap-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .aum-roadmap-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#eef6ff;
      color:#0b67ae;
      font-size:18px;
      font-weight:950;
    }

    .aum-roadmap-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .aum-video-band{
      margin:44px 0;
      display:grid;
      grid-template-columns:minmax(0,.9fr) minmax(340px,1.1fr);
      gap:24px;
      align-items:center;
      padding:26px;
      border-radius:30px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 100%);
      border:1px solid #dbeafe;
      box-shadow:0 18px 42px rgba(15,23,42,.065);
    }

    .aum-video-copy{
      padding:10px;
    }

    .aum-video-frame{
      position:relative;
      width:100%;
      padding-bottom:56.25%;
      border-radius:22px;
      overflow:hidden;
      background:#0b1f3a;
      box-shadow:0 16px 38px rgba(15,23,42,.16);
    }

    .aum-video-frame iframe{
      position:absolute;
      inset:0;
      width:100%;
      height:100%;
      border:0;
    }

    .aum-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .aum-faq summary{
      cursor:pointer;
      color:#0b1f3a;
      font-weight:850;
      list-style:none;
    }

    .aum-faq summary::-webkit-details-marker{
      display:none;
    }

    .aum-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .aum-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .aum-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .aum-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .aum-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .aum-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .aum-final-form input,
    .aum-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .aum-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .aum-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .aum-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .aum-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .aum-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .aum-refs h3{
      margin:0 0 12px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .aum-refs ol{
      margin:0;
      padding-left:20px;
    }

    .aum-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .aum-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .aum-author-top,
      .aum-hero-grid,
      .aum-stat-strip,
      .aum-grid-2,
      .aum-grid-3,
      .aum-side-layout,
      .aum-roadmap,
      .aum-video-band{
        grid-template-columns:1fr;
      }

      .aum-author-date{
        text-align:left;
        white-space:normal;
      }

      .aum-side-card{
        position:relative;
        top:auto;
      }

      .aum-stat{
        border-right:0;
        border-bottom:1px solid #e2e8f0;
      }

      .aum-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .aum-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .aum-page h2{
        font-size:28px;
      }

      .aum-hero-copy,
      .aum-video-band{
        padding:22px;
      }

      .aum-hero-copy h2{
        font-size:31px;
      }

      .aum-form-col,
      .aum-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* ================================================================
    https://loyainsurance.org/uninsured-motorist-coverage-implications-explained/
    ================================================================ */
    .uim-page,
    .uim-page *{
      box-sizing:border-box;
    }

    .uim-page{
      max-width:1160px;
      margin:0 auto;
      padding:0 22px 58px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .uim-page p{
      margin:0 0 18px;
    }

    .uim-page h2{
      margin:0 0 16px;
      color:#0b1f3a;
      font-size:33px;
      line-height:1.16;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .uim-page h3{
      margin:0 0 11px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.22;
      font-weight:850;
    }

    .uim-page h4{
      margin:0 0 8px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .uim-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .uim-author-card{
      margin:18px 0 32px;
      border-radius:22px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
    }

    .uim-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 48%,#fff7ed 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .uim-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .uim-author-label{
      display:inline-flex;
      margin:0 0 7px;
      padding:6px 11px;
      border-radius:999px;
      background:#0b1f3a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .uim-author-name{
      margin:0;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .uim-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .uim-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .uim-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .uim-author-body details{
      margin:0;
    }

    .uim-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .uim-author-body summary::-webkit-details-marker{
      display:none;
    }

    .uim-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .uim-author-body details[open] .uim-caret{
      transform:rotate(180deg);
    }

    .uim-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:820px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .uim-author-panel p{
      margin:0 0 10px!important;
    }

    .uim-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .uim-hero{
      margin:0 0 38px;
      border-radius:34px;
      overflow:hidden;
      background:#0b1f3a;
      border:1px solid #dbeafe;
      box-shadow:0 22px 54px rgba(15,23,42,.12);
    }

    .uim-hero-grid{
      display:grid;
      grid-template-columns:minmax(0,1.04fr) minmax(360px,.96fr);
      min-height:438px;
    }

    .uim-hero-copy{
      padding:40px;
      background:
        radial-gradient(circle at 12% 18%,rgba(255,122,26,.28),transparent 34%),
        radial-gradient(circle at 90% 86%,rgba(59,130,246,.30),transparent 36%),
        linear-gradient(135deg,#081a33 0%,#0b1f3a 58%,#12335f 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .uim-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.15);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .uim-hero-copy h2{
      color:#fff;
      font-size:38px;
      max-width:720px;
    }

    .uim-hero-copy p{
      color:#eaf2ff;
      max-width:720px;
    }

    .uim-hero-copy a{
      color:#bfdbfe;
    }

    .uim-lede{
      font-size:18px;
      line-height:1.72;
    }

    .uim-hero-media{
      background:#fff;
      display:flex;
      flex-direction:column;
    }

    .uim-hero-media figure{
      margin:0;
      flex:1;
      display:flex;
      flex-direction:column;
    }

    .uim-hero-media img{
      display:block;
      width:100%;
      height:100%;
      min-height:360px;
      object-fit:cover;
      flex:1;
    }

    .uim-hero-media figcaption{
      margin:0;
      padding:13px 15px;
      color:#475569;
      background:#f8fafc;
      font-size:13px;
      line-height:1.45;
      border-top:1px solid #e2e8f0;
    }

    .uim-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:0;
      background:#fff;
      border-top:1px solid rgba(226,232,240,.28);
    }

    .uim-stat{
      padding:18px 20px;
      border-right:1px solid #e2e8f0;
      background:#fff;
    }

    .uim-stat:nth-child(2){
      background:#eff6ff;
    }

    .uim-stat:nth-child(3){
      background:#fff7ed;
    }

    .uim-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .uim-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .uim-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .uim-note{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .uim-note strong{
      color:#9a3412;
      font-weight:900;
    }

    .uim-section{
      margin:46px 0;
    }

    .uim-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .uim-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .uim-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .uim-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .uim-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .uim-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .uim-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .uim-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .uim-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .uim-card p:last-child{
      margin-bottom:0;
    }

    .uim-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .uim-list li{
      margin:0 0 12px;
    }

    .uim-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .uim-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .uim-table th,
    .uim-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .uim-table th{
      background:#0b1f3a;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .uim-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .uim-table tr:last-child td{
      border-bottom:0;
    }

    .uim-side-layout{
      display:grid;
      grid-template-columns:minmax(0,1fr) 320px;
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .uim-side-card{
      position:sticky;
      top:18px;
      padding:22px;
      border-radius:24px;
      background:linear-gradient(135deg,#0b1f3a,#12335f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.18);
    }

    .uim-side-card h3{
      color:#fff;
    }

    .uim-side-card p,
    .uim-side-card li{
      color:#e2e8f0;
      font-size:15px;
      line-height:1.6;
    }

    .uim-roadmap{
      margin:28px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .uim-roadmap-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .uim-roadmap-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#eef6ff;
      color:#0b67ae;
      font-size:18px;
      font-weight:950;
    }

    .uim-roadmap-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .uim-video-band{
      margin:44px 0;
      display:grid;
      grid-template-columns:minmax(0,.9fr) minmax(340px,1.1fr);
      gap:24px;
      align-items:center;
      padding:26px;
      border-radius:30px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 100%);
      border:1px solid #dbeafe;
      box-shadow:0 18px 42px rgba(15,23,42,.065);
    }

    .uim-video-copy{
      padding:10px;
    }

    .uim-video-frame{
      position:relative;
      width:100%;
      padding-bottom:56.25%;
      border-radius:22px;
      overflow:hidden;
      background:#0b1f3a;
      box-shadow:0 16px 38px rgba(15,23,42,.16);
    }

    .uim-video-frame iframe{
      position:absolute;
      inset:0;
      width:100%;
      height:100%;
      border:0;
    }

    .uim-quote{
      margin:30px 0;
      padding:24px;
      border-radius:26px;
      background:linear-gradient(135deg,#f5f3ff,#ffffff);
      border:1px solid #ddd6fe;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .uim-quote blockquote{
      margin:0;
      color:#4c1d95;
      font-size:20px;
      line-height:1.55;
      font-style:italic;
      font-weight:750;
    }

    .uim-quote figcaption{
      margin-top:12px;
      color:#64748b;
      font-size:14px;
      font-weight:800;
    }

    .uim-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .uim-faq summary{
      cursor:pointer;
      color:#0b1f3a;
      font-weight:850;
      list-style:none;
    }

    .uim-faq summary::-webkit-details-marker{
      display:none;
    }

    .uim-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .uim-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .uim-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .uim-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .uim-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .uim-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .uim-final-form input,
    .uim-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .uim-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .uim-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .uim-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .uim-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .uim-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .uim-refs h3{
      margin:0 0 12px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .uim-refs ol{
      margin:0;
      padding-left:20px;
    }

    .uim-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .uim-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .uim-author-top,
      .uim-hero-grid,
      .uim-stat-strip,
      .uim-grid-2,
      .uim-grid-3,
      .uim-side-layout,
      .uim-roadmap,
      .uim-video-band{
        grid-template-columns:1fr;
      }

      .uim-author-date{
        text-align:left;
        white-space:normal;
      }

      .uim-side-card{
        position:relative;
        top:auto;
      }

      .uim-stat{
        border-right:0;
        border-bottom:1px solid #e2e8f0;
      }

      .uim-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .uim-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .uim-page h2{
        font-size:28px;
      }

      .uim-hero-copy,
      .uim-video-band{
        padding:22px;
      }

      .uim-hero-copy h2{
        font-size:31px;
      }

      .uim-form-col,
      .uim-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* =================================================================
    https://loyainsurance.org/loya-auto-insurance-first-time-drivers/
    ================================================================= */
    .lft-page,
    .lft-page *{
      box-sizing:border-box;
    }

    .lft-page{
      max-width:1160px;
      margin:0 auto;
      padding:0 22px 58px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .lft-page p{
      margin:0 0 18px;
    }

    .lft-page h2{
      margin:0 0 16px;
      color:#0b1f3a;
      font-size:33px;
      line-height:1.16;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .lft-page h3{
      margin:0 0 11px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.22;
      font-weight:850;
    }

    .lft-page h4{
      margin:0 0 8px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .lft-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .lft-author-card{
      margin:18px 0 32px;
      border-radius:22px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
    }

    .lft-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#fff7ed 0%,#f8fafc 48%,#eef6ff 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .lft-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .lft-author-label{
      display:inline-flex;
      margin:0 0 7px;
      padding:6px 11px;
      border-radius:999px;
      background:#0b1f3a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .lft-author-name{
      margin:0;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .lft-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .lft-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .lft-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .lft-author-body details{
      margin:0;
    }

    .lft-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .lft-author-body summary::-webkit-details-marker{
      display:none;
    }

    .lft-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .lft-author-body details[open] .lft-caret{
      transform:rotate(180deg);
    }

    .lft-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:820px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .lft-author-panel p{
      margin:0 0 10px!important;
    }

    .lft-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .lft-hero{
      margin:0 0 38px;
      border-radius:34px;
      overflow:hidden;
      background:#0b1f3a;
      border:1px solid #dbeafe;
      box-shadow:0 22px 54px rgba(15,23,42,.12);
    }

    .lft-hero-grid{
      display:grid;
      grid-template-columns:minmax(0,1.02fr) minmax(360px,.98fr);
      min-height:450px;
    }

    .lft-hero-copy{
      padding:42px;
      background:
        radial-gradient(circle at 15% 18%,rgba(255,122,26,.30),transparent 34%),
        radial-gradient(circle at 88% 84%,rgba(59,130,246,.30),transparent 38%),
        linear-gradient(135deg,#081a33 0%,#0b1f3a 58%,#12335f 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .lft-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.15);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .lft-hero-copy h2{
      color:#fff;
      font-size:38px;
      max-width:720px;
    }

    .lft-hero-copy p{
      color:#eaf2ff;
      max-width:720px;
    }

    .lft-hero-copy a{
      color:#bfdbfe;
    }

    .lft-lede{
      font-size:18px;
      line-height:1.72;
    }

    .lft-hero-media{
      position:relative;
      min-height:450px;
      background:#fff;
    }

    .lft-hero-media img{
      width:100%;
      height:100%;
      min-height:450px;
      display:block;
      object-fit:cover;
    }

    .lft-check-card{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.90);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 12px 30px rgba(15,23,42,.14);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .lft-check-card strong{
      display:block;
      color:#0b1f3a;
      font-size:15px;
      margin-bottom:5px;
    }

    .lft-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:0;
      background:#fff;
      border-top:1px solid rgba(226,232,240,.28);
    }

    .lft-stat{
      padding:18px 20px;
      border-right:1px solid #e2e8f0;
      background:#fff;
    }

    .lft-stat:nth-child(2){
      background:#eff6ff;
    }

    .lft-stat:nth-child(3){
      background:#fff7ed;
    }

    .lft-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .lft-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .lft-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .lft-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .lft-alert strong{
      color:#9a3412;
      font-weight:900;
    }

    .lft-section{
      margin:46px 0;
    }

    .lft-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .lft-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .lft-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .lft-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .lft-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .lft-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .lft-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .lft-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .lft-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .lft-card p:last-child{
      margin-bottom:0;
    }

    .lft-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .lft-list li{
      margin:0 0 12px;
    }

    .lft-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .lft-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .lft-table th,
    .lft-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .lft-table th{
      background:#0b1f3a;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .lft-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .lft-table tr:last-child td{
      border-bottom:0;
    }

    .lft-side-layout{
      display:grid;
      grid-template-columns:320px minmax(0,1fr);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .lft-side-card{
      position:sticky;
      top:18px;
      padding:22px;
      border-radius:24px;
      background:linear-gradient(135deg,#0b1f3a,#12335f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.18);
    }

    .lft-side-card h3{
      color:#fff;
    }

    .lft-side-card p,
    .lft-side-card li{
      color:#e2e8f0;
      font-size:15px;
      line-height:1.6;
    }

    .lft-roadmap{
      margin:28px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .lft-roadmap-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .lft-roadmap-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#eef6ff;
      color:#0b67ae;
      font-size:18px;
      font-weight:950;
    }

    .lft-roadmap-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .lft-video-band{
      margin:44px 0;
      display:grid;
      grid-template-columns:minmax(0,.9fr) minmax(340px,1.1fr);
      gap:24px;
      align-items:center;
      padding:26px;
      border-radius:30px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 100%);
      border:1px solid #dbeafe;
      box-shadow:0 18px 42px rgba(15,23,42,.065);
    }

    .lft-video-copy{
      padding:10px;
    }

    .lft-video-frame{
      position:relative;
      width:100%;
      padding-bottom:56.25%;
      border-radius:22px;
      overflow:hidden;
      background:#0b1f3a;
      box-shadow:0 16px 38px rgba(15,23,42,.16);
    }

    .lft-video-frame iframe{
      position:absolute;
      inset:0;
      width:100%;
      height:100%;
      border:0;
    }

    .lft-quote{
      margin:30px 0;
      padding:24px;
      border-radius:26px;
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border:1px solid #bbf7d0;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .lft-quote blockquote{
      margin:0;
      color:#14532d;
      font-size:20px;
      line-height:1.55;
      font-style:italic;
      font-weight:750;
    }

    .lft-quote figcaption{
      margin-top:12px;
      color:#64748b;
      font-size:14px;
      font-weight:800;
    }

    .lft-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .lft-faq summary{
      cursor:pointer;
      color:#0b1f3a;
      font-weight:850;
      list-style:none;
    }

    .lft-faq summary::-webkit-details-marker{
      display:none;
    }

    .lft-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .lft-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .lft-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .lft-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .lft-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .lft-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .lft-final-form input,
    .lft-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .lft-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .lft-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .lft-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .lft-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .lft-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .lft-refs h3{
      margin:0 0 12px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .lft-refs ol{
      margin:0;
      padding-left:20px;
    }

    .lft-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .lft-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .lft-author-top,
      .lft-hero-grid,
      .lft-stat-strip,
      .lft-grid-2,
      .lft-grid-3,
      .lft-side-layout,
      .lft-roadmap,
      .lft-video-band{
        grid-template-columns:1fr;
      }

      .lft-author-date{
        text-align:left;
        white-space:normal;
      }

      .lft-side-card{
        position:relative;
        top:auto;
      }

      .lft-stat{
        border-right:0;
        border-bottom:1px solid #e2e8f0;
      }

      .lft-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .lft-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .lft-page h2{
        font-size:28px;
      }

      .lft-hero-copy,
      .lft-video-band{
        padding:22px;
      }

      .lft-hero-copy h2{
        font-size:31px;
      }

      .lft-form-col,
      .lft-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* ================================================================
    https://loyainsurance.org/loya-auto-insurance-quotes-new-drivers/
    ==================================================================== */
    .lnq-page,
    .lnq-page *{
      box-sizing:border-box;
    }

    .lnq-page{
      max-width:1160px;
      margin:0 auto;
      padding:0 22px 58px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .lnq-page p{
      margin:0 0 18px;
    }

    .lnq-page h2{
      margin:0 0 16px;
      color:#0b1f3a;
      font-size:33px;
      line-height:1.16;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .lnq-page h3{
      margin:0 0 11px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.22;
      font-weight:850;
    }

    .lnq-page h4{
      margin:0 0 8px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .lnq-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .lnq-author-card{
      margin:18px 0 32px;
      border-radius:22px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
    }

    .lnq-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 46%,#fff7ed 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .lnq-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .lnq-author-label{
      display:inline-flex;
      margin:0 0 7px;
      padding:6px 11px;
      border-radius:999px;
      background:#0b1f3a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .lnq-author-name{
      margin:0;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .lnq-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .lnq-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .lnq-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .lnq-author-body details{
      margin:0;
    }

    .lnq-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .lnq-author-body summary::-webkit-details-marker{
      display:none;
    }

    .lnq-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .lnq-author-body details[open] .lnq-caret{
      transform:rotate(180deg);
    }

    .lnq-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:820px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .lnq-author-panel p{
      margin:0 0 10px!important;
    }

    .lnq-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .lnq-hero{
      margin:0 0 38px;
      border-radius:34px;
      overflow:hidden;
      background:#0b1f3a;
      border:1px solid #dbeafe;
      box-shadow:0 22px 54px rgba(15,23,42,.12);
    }

    .lnq-hero-grid{
      display:grid;
      grid-template-columns:minmax(0,.94fr) minmax(360px,1.06fr);
      min-height:448px;
    }

    .lnq-hero-media{
      position:relative;
      min-height:448px;
      background:#0b1f3a;
    }

    .lnq-hero-media img{
      width:100%;
      height:100%;
      min-height:448px;
      display:block;
      object-fit:cover;
    }

    .lnq-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(90deg,rgba(8,26,51,.08),rgba(8,26,51,.34));
      pointer-events:none;
    }

    .lnq-floating-card{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.90);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 12px 30px rgba(15,23,42,.14);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .lnq-floating-card strong{
      display:block;
      color:#0b1f3a;
      font-size:15px;
      margin-bottom:5px;
    }

    .lnq-hero-copy{
      padding:42px;
      background:
        radial-gradient(circle at 88% 18%,rgba(255,122,26,.30),transparent 34%),
        radial-gradient(circle at 10% 88%,rgba(59,130,246,.28),transparent 36%),
        linear-gradient(135deg,#081a33 0%,#0b1f3a 58%,#12335f 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .lnq-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.15);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .lnq-hero-copy h2{
      color:#fff;
      font-size:38px;
      max-width:720px;
    }

    .lnq-hero-copy p{
      color:#eaf2ff;
      max-width:720px;
    }

    .lnq-hero-copy a{
      color:#bfdbfe;
    }

    .lnq-lede{
      font-size:18px;
      line-height:1.72;
    }

    .lnq-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:0;
      background:#fff;
      border-top:1px solid rgba(226,232,240,.28);
    }

    .lnq-stat{
      padding:18px 20px;
      border-right:1px solid #e2e8f0;
      background:#fff;
    }

    .lnq-stat:nth-child(2){
      background:#eff6ff;
    }

    .lnq-stat:nth-child(3){
      background:#fff7ed;
    }

    .lnq-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .lnq-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .lnq-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .lnq-warning{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .lnq-warning strong{
      color:#9a3412;
      font-weight:900;
    }

    .lnq-section{
      margin:46px 0;
    }

    .lnq-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .lnq-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .lnq-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .lnq-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .lnq-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .lnq-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .lnq-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .lnq-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .lnq-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .lnq-card p:last-child{
      margin-bottom:0;
    }

    .lnq-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .lnq-list li{
      margin:0 0 12px;
    }

    .lnq-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .lnq-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .lnq-table th,
    .lnq-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .lnq-table th{
      background:#0b1f3a;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .lnq-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .lnq-table tr:last-child td{
      border-bottom:0;
    }

    .lnq-side-layout{
      display:grid;
      grid-template-columns:minmax(0,1fr) 320px;
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .lnq-side-card{
      position:sticky;
      top:18px;
      padding:22px;
      border-radius:24px;
      background:linear-gradient(135deg,#0b1f3a,#12335f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.18);
    }

    .lnq-side-card h3{
      color:#fff;
    }

    .lnq-side-card p,
    .lnq-side-card li{
      color:#e2e8f0;
      font-size:15px;
      line-height:1.6;
    }

    .lnq-roadmap{
      margin:28px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .lnq-roadmap-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .lnq-roadmap-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#eef6ff;
      color:#0b67ae;
      font-size:18px;
      font-weight:950;
    }

    .lnq-roadmap-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .lnq-quote{
      margin:30px 0;
      padding:24px;
      border-radius:26px;
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border:1px solid #bbf7d0;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .lnq-quote blockquote{
      margin:0;
      color:#14532d;
      font-size:20px;
      line-height:1.55;
      font-style:italic;
      font-weight:750;
    }

    .lnq-quote figcaption{
      margin-top:12px;
      color:#64748b;
      font-size:14px;
      font-weight:800;
    }

    .lnq-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .lnq-faq summary{
      cursor:pointer;
      color:#0b1f3a;
      font-weight:850;
      list-style:none;
    }

    .lnq-faq summary::-webkit-details-marker{
      display:none;
    }

    .lnq-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .lnq-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .lnq-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .lnq-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .lnq-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .lnq-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .lnq-final-form input,
    .lnq-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .lnq-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .lnq-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .lnq-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .lnq-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .lnq-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .lnq-refs h3{
      margin:0 0 12px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .lnq-refs ol{
      margin:0;
      padding-left:20px;
    }

    .lnq-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .lnq-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .lnq-author-top,
      .lnq-hero-grid,
      .lnq-stat-strip,
      .lnq-grid-2,
      .lnq-grid-3,
      .lnq-side-layout,
      .lnq-roadmap{
        grid-template-columns:1fr;
      }

      .lnq-author-date{
        text-align:left;
        white-space:normal;
      }

      .lnq-side-card{
        position:relative;
        top:auto;
      }

      .lnq-stat{
        border-right:0;
        border-bottom:1px solid #e2e8f0;
      }

      .lnq-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .lnq-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .lnq-page h2{
        font-size:28px;
      }

      .lnq-hero-copy{
        padding:22px;
      }

      .lnq-hero-copy h2{
        font-size:31px;
      }

      .lnq-form-col,
      .lnq-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* ===============================================================
    https://loyainsurance.org/loya-car-insurance-rates/
    ==================================================== */
    .lcr-page,
    .lcr-page *{
      box-sizing:border-box;
    }

    .lcr-page{
      max-width:1160px;
      margin:0 auto;
      padding:0 22px 58px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .lcr-page p{
      margin:0 0 18px;
    }

    .lcr-page h2{
      margin:0 0 16px;
      color:#0b1f3a;
      font-size:33px;
      line-height:1.16;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .lcr-page h3{
      margin:0 0 11px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.22;
      font-weight:850;
    }

    .lcr-page h4{
      margin:0 0 8px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .lcr-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .lcr-author-card{
      margin:18px 0 32px;
      border-radius:22px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
    }

    .lcr-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#fff7ed 0%,#f8fafc 48%,#eef6ff 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .lcr-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .lcr-author-label{
      display:inline-flex;
      margin:0 0 7px;
      padding:6px 11px;
      border-radius:999px;
      background:#0b1f3a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .lcr-author-name{
      margin:0;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .lcr-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .lcr-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .lcr-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .lcr-author-body details{
      margin:0;
    }

    .lcr-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .lcr-author-body summary::-webkit-details-marker{
      display:none;
    }

    .lcr-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .lcr-author-body details[open] .lcr-caret{
      transform:rotate(180deg);
    }

    .lcr-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:820px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .lcr-author-panel p{
      margin:0 0 10px!important;
    }

    .lcr-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .lcr-hero{
      margin:0 0 38px;
      border-radius:34px;
      overflow:hidden;
      background:#0b1f3a;
      border:1px solid #dbeafe;
      box-shadow:0 22px 54px rgba(15,23,42,.12);
    }

    .lcr-hero-grid{
      display:grid;
      grid-template-columns:minmax(0,1fr) minmax(360px,.94fr);
      min-height:450px;
    }

    .lcr-hero-copy{
      padding:42px;
      background:
        radial-gradient(circle at 12% 16%,rgba(255,122,26,.30),transparent 34%),
        radial-gradient(circle at 88% 86%,rgba(59,130,246,.28),transparent 36%),
        linear-gradient(135deg,#081a33 0%,#0b1f3a 58%,#12335f 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .lcr-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.15);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .lcr-hero-copy h2{
      color:#fff;
      font-size:38px;
      max-width:720px;
    }

    .lcr-hero-copy p{
      color:#eaf2ff;
      max-width:720px;
    }

    .lcr-hero-copy a{
      color:#bfdbfe;
    }

    .lcr-lede{
      font-size:18px;
      line-height:1.72;
    }

    .lcr-hero-media{
      position:relative;
      min-height:450px;
      background:#fff;
    }

    .lcr-hero-media img{
      width:100%;
      height:100%;
      min-height:450px;
      display:block;
      object-fit:cover;
    }

    .lcr-rate-card{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.92);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 12px 30px rgba(15,23,42,.14);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .lcr-rate-card strong{
      display:block;
      color:#0b1f3a;
      font-size:15px;
      margin-bottom:5px;
    }

    .lcr-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:0;
      background:#fff;
      border-top:1px solid rgba(226,232,240,.28);
    }

    .lcr-stat{
      padding:18px 20px;
      border-right:1px solid #e2e8f0;
      background:#fff;
    }

    .lcr-stat:nth-child(2){
      background:#eff6ff;
    }

    .lcr-stat:nth-child(3){
      background:#fff7ed;
    }

    .lcr-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .lcr-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .lcr-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .lcr-note{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .lcr-note strong{
      color:#9a3412;
      font-weight:900;
    }

    .lcr-section{
      margin:46px 0;
    }

    .lcr-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .lcr-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .lcr-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .lcr-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .lcr-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .lcr-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .lcr-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .lcr-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .lcr-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .lcr-card p:last-child{
      margin-bottom:0;
    }

    .lcr-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .lcr-list li{
      margin:0 0 12px;
    }

    .lcr-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .lcr-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .lcr-table th,
    .lcr-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .lcr-table th{
      background:#0b1f3a;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .lcr-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .lcr-table tr:last-child td{
      border-bottom:0;
    }

    .lcr-side-layout{
      display:grid;
      grid-template-columns:320px minmax(0,1fr);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .lcr-side-card{
      position:sticky;
      top:18px;
      padding:22px;
      border-radius:24px;
      background:linear-gradient(135deg,#0b1f3a,#12335f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.18);
    }

    .lcr-side-card h3{
      color:#fff;
    }

    .lcr-side-card p,
    .lcr-side-card li{
      color:#e2e8f0;
      font-size:15px;
      line-height:1.6;
    }

    .lcr-roadmap{
      margin:28px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .lcr-roadmap-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .lcr-roadmap-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#eef6ff;
      color:#0b67ae;
      font-size:18px;
      font-weight:950;
    }

    .lcr-roadmap-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .lcr-quote{
      margin:30px 0;
      padding:24px;
      border-radius:26px;
      background:linear-gradient(135deg,#f5f3ff,#ffffff);
      border:1px solid #ddd6fe;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .lcr-quote blockquote{
      margin:0;
      color:#4c1d95;
      font-size:20px;
      line-height:1.55;
      font-style:italic;
      font-weight:750;
    }

    .lcr-quote figcaption{
      margin-top:12px;
      color:#64748b;
      font-size:14px;
      font-weight:800;
    }

    .lcr-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .lcr-faq summary{
      cursor:pointer;
      color:#0b1f3a;
      font-weight:850;
      list-style:none;
    }

    .lcr-faq summary::-webkit-details-marker{
      display:none;
    }

    .lcr-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .lcr-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .lcr-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .lcr-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .lcr-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .lcr-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .lcr-final-form input,
    .lcr-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .lcr-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .lcr-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .lcr-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .lcr-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .lcr-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .lcr-refs h3{
      margin:0 0 12px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .lcr-refs ol{
      margin:0;
      padding-left:20px;
    }

    .lcr-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .lcr-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .lcr-author-top,
      .lcr-hero-grid,
      .lcr-stat-strip,
      .lcr-grid-2,
      .lcr-grid-3,
      .lcr-side-layout,
      .lcr-roadmap{
        grid-template-columns:1fr;
      }

      .lcr-author-date{
        text-align:left;
        white-space:normal;
      }

      .lcr-side-card{
        position:relative;
        top:auto;
      }

      .lcr-stat{
        border-right:0;
        border-bottom:1px solid #e2e8f0;
      }

      .lcr-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .lcr-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .lcr-page h2{
        font-size:28px;
      }

      .lcr-hero-copy{
        padding:22px;
      }

      .lcr-hero-copy h2{
        font-size:31px;
      }

      .lcr-form-col,
      .lcr-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* ==============================================================
    https://loyainsurance.org/essential-auto-insurance-checklist-first-time-buyers/
    =========================================================== */
    .fic-page,
    .fic-page *{
      box-sizing:border-box;
    }

    .fic-page{
      max-width:1160px;
      margin:0 auto;
      padding:0 22px 58px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .fic-page p{
      margin:0 0 18px;
    }

    .fic-page h2{
      margin:0 0 16px;
      color:#0b1f3a;
      font-size:33px;
      line-height:1.16;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .fic-page h3{
      margin:0 0 11px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.22;
      font-weight:850;
    }

    .fic-page h4{
      margin:0 0 8px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .fic-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .fic-author-card{
      margin:18px 0 32px;
      border-radius:22px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
    }

    .fic-author-top{
      display:grid;
      grid-template-columns:minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 46%,#fff7ed 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .fic-author-label{
      display:inline-flex;
      margin:0 0 7px;
      padding:6px 11px;
      border-radius:999px;
      background:#0b1f3a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .fic-author-name{
      margin:0;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .fic-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .fic-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .fic-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .fic-author-body details{
      margin:0;
    }

    .fic-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .fic-author-body summary::-webkit-details-marker{
      display:none;
    }

    .fic-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .fic-author-body details[open] .fic-caret{
      transform:rotate(180deg);
    }

    .fic-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .fic-author-panel p{
      margin:0 0 10px!important;
    }

    .fic-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .fic-hero{
      margin:0 0 38px;
      border-radius:34px;
      overflow:hidden;
      background:#0b1f3a;
      border:1px solid #dbeafe;
      box-shadow:0 22px 54px rgba(15,23,42,.12);
    }

    .fic-hero-grid{
      display:grid;
      grid-template-columns:minmax(0,.96fr) minmax(360px,1.04fr);
      min-height:448px;
    }

    .fic-hero-media{
      position:relative;
      min-height:448px;
      background:#0b1f3a;
    }

    .fic-hero-media img{
      width:100%;
      height:100%;
      min-height:448px;
      display:block;
      object-fit:cover;
    }

    .fic-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(90deg,rgba(8,26,51,.08),rgba(8,26,51,.30));
      pointer-events:none;
    }

    .fic-floating-card{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.91);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 12px 30px rgba(15,23,42,.14);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .fic-floating-card strong{
      display:block;
      color:#0b1f3a;
      font-size:15px;
      margin-bottom:5px;
    }

    .fic-hero-copy{
      padding:42px;
      background:
        radial-gradient(circle at 88% 18%,rgba(255,122,26,.30),transparent 34%),
        radial-gradient(circle at 10% 88%,rgba(59,130,246,.28),transparent 36%),
        linear-gradient(135deg,#081a33 0%,#0b1f3a 58%,#12335f 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .fic-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.15);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .fic-hero-copy h2{
      color:#fff;
      font-size:38px;
      max-width:720px;
    }

    .fic-hero-copy p{
      color:#eaf2ff;
      max-width:720px;
    }

    .fic-hero-copy a{
      color:#bfdbfe;
    }

    .fic-lede{
      font-size:18px;
      line-height:1.72;
    }

    .fic-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:0;
      background:#fff;
      border-top:1px solid rgba(226,232,240,.28);
    }

    .fic-stat{
      padding:18px 20px;
      border-right:1px solid #e2e8f0;
      background:#fff;
    }

    .fic-stat:nth-child(2){
      background:#eff6ff;
    }

    .fic-stat:nth-child(3){
      background:#fff7ed;
    }

    .fic-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .fic-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .fic-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .fic-note{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .fic-note strong{
      color:#9a3412;
      font-weight:900;
    }

    .fic-section{
      margin:46px 0;
    }

    .fic-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .fic-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .fic-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .fic-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .fic-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .fic-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .fic-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .fic-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .fic-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .fic-card p:last-child{
      margin-bottom:0;
    }

    .fic-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .fic-list li{
      margin:0 0 12px;
    }

    .fic-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .fic-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .fic-table th,
    .fic-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .fic-table th{
      background:#0b1f3a;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .fic-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .fic-table tr:last-child td{
      border-bottom:0;
    }

    .fic-side-layout{
      display:grid;
      grid-template-columns:320px minmax(0,1fr);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .fic-side-card{
      position:sticky;
      top:18px;
      padding:22px;
      border-radius:24px;
      background:linear-gradient(135deg,#0b1f3a,#12335f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.18);
    }

    .fic-side-card h3{
      color:#fff;
    }

    .fic-side-card p,
    .fic-side-card li{
      color:#e2e8f0;
      font-size:15px;
      line-height:1.6;
    }

    .fic-roadmap{
      margin:28px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .fic-roadmap-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .fic-roadmap-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#eef6ff;
      color:#0b67ae;
      font-size:18px;
      font-weight:950;
    }

    .fic-roadmap-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .fic-video-band{
      margin:44px 0;
      display:grid;
      grid-template-columns:minmax(0,.9fr) minmax(340px,1.1fr);
      gap:24px;
      align-items:center;
      padding:26px;
      border-radius:30px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 100%);
      border:1px solid #dbeafe;
      box-shadow:0 18px 42px rgba(15,23,42,.065);
    }

    .fic-video-copy{
      padding:10px;
    }

    .fic-video-frame{
      position:relative;
      width:100%;
      padding-bottom:56.25%;
      border-radius:22px;
      overflow:hidden;
      background:#0b1f3a;
      box-shadow:0 16px 38px rgba(15,23,42,.16);
    }

    .fic-video-frame iframe{
      position:absolute;
      inset:0;
      width:100%;
      height:100%;
      border:0;
    }

    .fic-quote{
      margin:30px 0;
      padding:24px;
      border-radius:26px;
      background:linear-gradient(135deg,#f5f3ff,#ffffff);
      border:1px solid #ddd6fe;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .fic-quote blockquote{
      margin:0;
      color:#4c1d95;
      font-size:20px;
      line-height:1.55;
      font-style:italic;
      font-weight:750;
    }

    .fic-quote figcaption{
      margin-top:12px;
      color:#64748b;
      font-size:14px;
      font-weight:800;
    }

    .fic-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .fic-faq summary{
      cursor:pointer;
      color:#0b1f3a;
      font-weight:850;
      list-style:none;
    }

    .fic-faq summary::-webkit-details-marker{
      display:none;
    }

    .fic-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .fic-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .fic-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .fic-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .fic-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .fic-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .fic-final-form input,
    .fic-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .fic-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .fic-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .fic-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .fic-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .fic-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .fic-refs h3{
      margin:0 0 12px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .fic-refs ol{
      margin:0;
      padding-left:20px;
    }

    .fic-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .fic-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .fic-author-top,
      .fic-hero-grid,
      .fic-stat-strip,
      .fic-grid-2,
      .fic-grid-3,
      .fic-side-layout,
      .fic-roadmap,
      .fic-video-band{
        grid-template-columns:1fr;
      }

      .fic-author-date{
        text-align:left;
        white-space:normal;
      }

      .fic-side-card{
        position:relative;
        top:auto;
      }

      .fic-stat{
        border-right:0;
        border-bottom:1px solid #e2e8f0;
      }

      .fic-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .fic-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .fic-page h2{
        font-size:28px;
      }

      .fic-hero-copy,
      .fic-video-band{
        padding:22px;
      }

      .fic-hero-copy h2{
        font-size:31px;
      }

      .fic-form-col,
      .fic-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* ============================================================
    https://loyainsurance.org/loya-auto-insurance-plans-comparison/
    =============================================================== */
    .lap-page,
    .lap-page *{
      box-sizing:border-box;
    }

    .lap-page{
      max-width:1160px;
      margin:0 auto;
      padding:0 22px 58px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .lap-page p{
      margin:0 0 18px;
    }

    .lap-page h2{
      margin:0 0 16px;
      color:#0b1f3a;
      font-size:33px;
      line-height:1.16;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .lap-page h3{
      margin:0 0 11px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.22;
      font-weight:850;
    }

    .lap-page h4{
      margin:0 0 8px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .lap-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .lap-author-card{
      margin:18px 0 32px;
      border-radius:22px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
    }

    .lap-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#fff7ed 0%,#f8fafc 48%,#eef6ff 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .lap-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .lap-author-label{
      display:inline-flex;
      margin:0 0 7px;
      padding:6px 11px;
      border-radius:999px;
      background:#0b1f3a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .lap-author-name{
      margin:0;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .lap-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .lap-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .lap-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .lap-author-body details{
      margin:0;
    }

    .lap-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .lap-author-body summary::-webkit-details-marker{
      display:none;
    }

    .lap-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .lap-author-body details[open] .lap-caret{
      transform:rotate(180deg);
    }

    .lap-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .lap-author-panel p{
      margin:0 0 10px!important;
    }

    .lap-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .lap-hero{
      margin:0 0 38px;
      border-radius:34px;
      overflow:hidden;
      background:#0b1f3a;
      border:1px solid #dbeafe;
      box-shadow:0 22px 54px rgba(15,23,42,.12);
    }

    .lap-hero-grid{
      display:grid;
      grid-template-columns:minmax(0,1.04fr) minmax(360px,.96fr);
      min-height:456px;
    }

    .lap-hero-copy{
      padding:42px;
      background:
        radial-gradient(circle at 12% 16%,rgba(255,122,26,.30),transparent 34%),
        radial-gradient(circle at 88% 86%,rgba(59,130,246,.30),transparent 36%),
        linear-gradient(135deg,#081a33 0%,#0b1f3a 58%,#12335f 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .lap-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.15);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .lap-hero-copy h2{
      color:#fff;
      font-size:38px;
      max-width:720px;
    }

    .lap-hero-copy p{
      color:#eaf2ff;
      max-width:720px;
    }

    .lap-hero-copy a{
      color:#bfdbfe;
    }

    .lap-lede{
      font-size:18px;
      line-height:1.72;
    }

    .lap-hero-media{
      position:relative;
      min-height:456px;
      background:#fff;
    }

    .lap-hero-media img{
      width:100%;
      height:100%;
      min-height:456px;
      display:block;
      object-fit:cover;
    }

    .lap-plan-card{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.92);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 12px 30px rgba(15,23,42,.14);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .lap-plan-card strong{
      display:block;
      color:#0b1f3a;
      font-size:15px;
      margin-bottom:5px;
    }

    .lap-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:0;
      background:#fff;
      border-top:1px solid rgba(226,232,240,.28);
    }

    .lap-stat{
      padding:18px 20px;
      border-right:1px solid #e2e8f0;
      background:#fff;
    }

    .lap-stat:nth-child(2){
      background:#eff6ff;
    }

    .lap-stat:nth-child(3){
      background:#fff7ed;
    }

    .lap-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .lap-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .lap-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .lap-note{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .lap-note strong{
      color:#9a3412;
      font-weight:900;
    }

    .lap-section{
      margin:46px 0;
    }

    .lap-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .lap-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .lap-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .lap-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .lap-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .lap-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .lap-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .lap-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .lap-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .lap-card p:last-child{
      margin-bottom:0;
    }

    .lap-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .lap-list li{
      margin:0 0 12px;
    }

    .lap-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .lap-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .lap-table th,
    .lap-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .lap-table th{
      background:#0b1f3a;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .lap-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .lap-table tr:last-child td{
      border-bottom:0;
    }

    .lap-side-layout{
      display:grid;
      grid-template-columns:320px minmax(0,1fr);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .lap-side-card{
      position:sticky;
      top:18px;
      padding:22px;
      border-radius:24px;
      background:linear-gradient(135deg,#0b1f3a,#12335f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.18);
    }

    .lap-side-card h3{
      color:#fff;
    }

    .lap-side-card p,
    .lap-side-card li{
      color:#e2e8f0;
      font-size:15px;
      line-height:1.6;
    }

    .lap-roadmap{
      margin:28px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .lap-roadmap-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .lap-roadmap-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#eef6ff;
      color:#0b67ae;
      font-size:18px;
      font-weight:950;
    }

    .lap-roadmap-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .lap-video-band{
      margin:44px 0;
      display:grid;
      grid-template-columns:minmax(0,.9fr) minmax(340px,1.1fr);
      gap:24px;
      align-items:center;
      padding:26px;
      border-radius:30px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 100%);
      border:1px solid #dbeafe;
      box-shadow:0 18px 42px rgba(15,23,42,.065);
    }

    .lap-video-copy{
      padding:10px;
    }

    .lap-video-frame{
      position:relative;
      width:100%;
      padding-bottom:56.25%;
      border-radius:22px;
      overflow:hidden;
      background:#0b1f3a;
      box-shadow:0 16px 38px rgba(15,23,42,.16);
    }

    .lap-video-frame iframe{
      position:absolute;
      inset:0;
      width:100%;
      height:100%;
      border:0;
    }

    .lap-quote{
      margin:30px 0;
      padding:24px;
      border-radius:26px;
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border:1px solid #bbf7d0;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .lap-quote blockquote{
      margin:0;
      color:#14532d;
      font-size:20px;
      line-height:1.55;
      font-style:italic;
      font-weight:750;
    }

    .lap-quote figcaption{
      margin-top:12px;
      color:#64748b;
      font-size:14px;
      font-weight:800;
    }

    .lap-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .lap-faq summary{
      cursor:pointer;
      color:#0b1f3a;
      font-weight:850;
      list-style:none;
    }

    .lap-faq summary::-webkit-details-marker{
      display:none;
    }

    .lap-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .lap-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .lap-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .lap-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .lap-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .lap-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .lap-final-form input,
    .lap-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .lap-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .lap-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .lap-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .lap-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .lap-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .lap-refs h3{
      margin:0 0 12px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .lap-refs ol{
      margin:0;
      padding-left:20px;
    }

    .lap-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .lap-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .lap-author-top,
      .lap-hero-grid,
      .lap-stat-strip,
      .lap-grid-2,
      .lap-grid-3,
      .lap-side-layout,
      .lap-roadmap,
      .lap-video-band{
        grid-template-columns:1fr;
      }

      .lap-author-date{
        text-align:left;
        white-space:normal;
      }

      .lap-side-card{
        position:relative;
        top:auto;
      }

      .lap-stat{
        border-right:0;
        border-bottom:1px solid #e2e8f0;
      }

      .lap-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .lap-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .lap-page h2{
        font-size:28px;
      }

      .lap-hero-copy,
      .lap-video-band{
        padding:22px;
      }

      .lap-hero-copy h2{
        font-size:31px;
      }

      .lap-form-col,
      .lap-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* ================================================================
    https://loyainsurance.org/top-features-high-risk-auto-insurance/
    ================================================================= */
    .hrf-page,
    .hrf-page *{
      box-sizing:border-box;
    }

    .hrf-page{
      max-width:1160px;
      margin:0 auto;
      padding:0 22px 58px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .hrf-page p{
      margin:0 0 18px;
    }

    .hrf-page h2{
      margin:0 0 16px;
      color:#0b1f3a;
      font-size:33px;
      line-height:1.16;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .hrf-page h3{
      margin:0 0 11px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.22;
      font-weight:850;
    }

    .hrf-page h4{
      margin:0 0 8px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .hrf-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .hrf-author-card{
      margin:18px 0 32px;
      border-radius:22px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
    }

    .hrf-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#f8fafc 0%,#eef6ff 50%,#fff7ed 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .hrf-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .hrf-author-label{
      display:inline-flex;
      margin:0 0 7px;
      padding:6px 11px;
      border-radius:999px;
      background:#0b1f3a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .hrf-author-name{
      margin:0;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .hrf-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .hrf-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .hrf-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .hrf-author-body details{
      margin:0;
    }

    .hrf-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .hrf-author-body summary::-webkit-details-marker{
      display:none;
    }

    .hrf-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .hrf-author-body details[open] .hrf-caret{
      transform:rotate(180deg);
    }

    .hrf-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .hrf-author-panel p{
      margin:0 0 10px!important;
    }

    .hrf-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .hrf-hero{
      margin:0 0 38px;
      border-radius:34px;
      overflow:hidden;
      background:#0b1f3a;
      border:1px solid #dbeafe;
      box-shadow:0 22px 54px rgba(15,23,42,.12);
    }

    .hrf-hero-grid{
      display:grid;
      grid-template-columns:minmax(0,.92fr) minmax(360px,1.08fr);
      min-height:456px;
    }

    .hrf-hero-media{
      position:relative;
      min-height:456px;
      background:#0b1f3a;
    }

    .hrf-hero-media img{
      width:100%;
      height:100%;
      min-height:456px;
      display:block;
      object-fit:cover;
    }

    .hrf-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(90deg,rgba(8,26,51,.05),rgba(8,26,51,.32));
      pointer-events:none;
    }

    .hrf-hero-note{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.92);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 12px 30px rgba(15,23,42,.14);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .hrf-hero-note strong{
      display:block;
      color:#0b1f3a;
      font-size:15px;
      margin-bottom:5px;
    }

    .hrf-hero-copy{
      padding:42px;
      background:
        radial-gradient(circle at 88% 18%,rgba(255,122,26,.30),transparent 34%),
        radial-gradient(circle at 10% 88%,rgba(59,130,246,.30),transparent 36%),
        linear-gradient(135deg,#081a33 0%,#0b1f3a 58%,#12335f 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .hrf-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.15);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .hrf-hero-copy h2{
      color:#fff;
      font-size:38px;
      max-width:720px;
    }

    .hrf-hero-copy p{
      color:#eaf2ff;
      max-width:720px;
    }

    .hrf-hero-copy a{
      color:#bfdbfe;
    }

    .hrf-lede{
      font-size:18px;
      line-height:1.72;
    }

    .hrf-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:0;
      background:#fff;
      border-top:1px solid rgba(226,232,240,.28);
    }

    .hrf-stat{
      padding:18px 20px;
      border-right:1px solid #e2e8f0;
      background:#fff;
    }

    .hrf-stat:nth-child(2){
      background:#eff6ff;
    }

    .hrf-stat:nth-child(3){
      background:#fff7ed;
    }

    .hrf-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .hrf-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .hrf-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .hrf-note{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .hrf-note strong{
      color:#9a3412;
      font-weight:900;
    }

    .hrf-section{
      margin:46px 0;
    }

    .hrf-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .hrf-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .hrf-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .hrf-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .hrf-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .hrf-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .hrf-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .hrf-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .hrf-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .hrf-card p:last-child{
      margin-bottom:0;
    }

    .hrf-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .hrf-list li{
      margin:0 0 12px;
    }

    .hrf-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .hrf-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .hrf-table th,
    .hrf-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .hrf-table th{
      background:#0b1f3a;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .hrf-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .hrf-table tr:last-child td{
      border-bottom:0;
    }

    .hrf-side-layout{
      display:grid;
      grid-template-columns:320px minmax(0,1fr);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .hrf-side-card{
      position:sticky;
      top:18px;
      padding:22px;
      border-radius:24px;
      background:linear-gradient(135deg,#0b1f3a,#12335f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.18);
    }

    .hrf-side-card h3{
      color:#fff;
    }

    .hrf-side-card p,
    .hrf-side-card li{
      color:#e2e8f0;
      font-size:15px;
      line-height:1.6;
    }

    .hrf-roadmap{
      margin:28px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .hrf-roadmap-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .hrf-roadmap-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#eef6ff;
      color:#0b67ae;
      font-size:18px;
      font-weight:950;
    }

    .hrf-roadmap-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .hrf-quote{
      margin:30px 0;
      padding:24px;
      border-radius:26px;
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border:1px solid #bbf7d0;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .hrf-quote blockquote{
      margin:0;
      color:#14532d;
      font-size:20px;
      line-height:1.55;
      font-style:italic;
      font-weight:750;
    }

    .hrf-quote figcaption{
      margin-top:12px;
      color:#64748b;
      font-size:14px;
      font-weight:800;
    }

    .hrf-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .hrf-faq summary{
      cursor:pointer;
      color:#0b1f3a;
      font-weight:850;
      list-style:none;
    }

    .hrf-faq summary::-webkit-details-marker{
      display:none;
    }

    .hrf-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .hrf-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .hrf-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .hrf-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .hrf-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .hrf-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .hrf-final-form input,
    .hrf-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .hrf-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .hrf-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .hrf-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .hrf-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .hrf-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .hrf-refs h3{
      margin:0 0 12px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .hrf-refs ol{
      margin:0;
      padding-left:20px;
    }

    .hrf-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .hrf-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .hrf-author-top,
      .hrf-hero-grid,
      .hrf-stat-strip,
      .hrf-grid-2,
      .hrf-grid-3,
      .hrf-side-layout,
      .hrf-roadmap{
        grid-template-columns:1fr;
      }

      .hrf-author-date{
        text-align:left;
        white-space:normal;
      }

      .hrf-side-card{
        position:relative;
        top:auto;
      }

      .hrf-stat{
        border-right:0;
        border-bottom:1px solid #e2e8f0;
      }

      .hrf-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .hrf-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .hrf-page h2{
        font-size:28px;
      }

      .hrf-hero-copy{
        padding:22px;
      }

      .hrf-hero-copy h2{
        font-size:31px;
      }

      .hrf-form-col,
      .hrf-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* ================================================================
    https://loyainsurance.org/best-high-risk-auto-insurance-providers-reviewed/
    ================================================================== */
    .hip-page,
    .hip-page *{
      box-sizing:border-box;
    }

    .hip-page{
      max-width:1160px;
      margin:0 auto;
      padding:0 22px 58px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .hip-page p{
      margin:0 0 18px;
    }

    .hip-page h2{
      margin:0 0 16px;
      color:#0b1f3a;
      font-size:33px;
      line-height:1.16;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .hip-page h3{
      margin:0 0 11px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.22;
      font-weight:850;
    }

    .hip-page h4{
      margin:0 0 8px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .hip-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }

    .hip-author-card{
      margin:18px 0 32px;
      border-radius:22px;
      overflow:hidden;
      background:#fff;
      border:1px solid #e2e8f0;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
    }

    .hip-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#fff7ed 0%,#f8fafc 48%,#eef6ff 100%);
      border-bottom:1px solid #e2e8f0;
    }

    .hip-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .hip-author-label{
      display:inline-flex;
      margin:0 0 7px;
      padding:6px 11px;
      border-radius:999px;
      background:#0b1f3a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .hip-author-name{
      margin:0;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .hip-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .hip-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .hip-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .hip-author-body details{
      margin:0;
    }

    .hip-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#0b67ae;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .hip-author-body summary::-webkit-details-marker{
      display:none;
    }

    .hip-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .hip-author-body details[open] .hip-caret{
      transform:rotate(180deg);
    }

    .hip-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .hip-author-panel p{
      margin:0 0 10px!important;
    }

    .hip-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .hip-hero{
      margin:0 0 38px;
      border-radius:34px;
      overflow:hidden;
      background:#0b1f3a;
      border:1px solid #dbeafe;
      box-shadow:0 22px 54px rgba(15,23,42,.12);
    }

    .hip-hero-grid{
      display:grid;
      grid-template-columns:minmax(0,.93fr) minmax(360px,1.07fr);
      min-height:456px;
    }

    .hip-hero-media{
      position:relative;
      min-height:456px;
      background:#0b1f3a;
    }

    .hip-hero-media img{
      width:100%;
      height:100%;
      min-height:456px;
      display:block;
      object-fit:cover;
    }

    .hip-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(90deg,rgba(8,26,51,.04),rgba(8,26,51,.28));
      pointer-events:none;
    }

    .hip-hero-note{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.92);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 12px 30px rgba(15,23,42,.14);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .hip-hero-note strong{
      display:block;
      color:#0b1f3a;
      font-size:15px;
      margin-bottom:5px;
    }

    .hip-hero-copy{
      padding:42px;
      background:
        radial-gradient(circle at 88% 18%,rgba(255,122,26,.30),transparent 34%),
        radial-gradient(circle at 10% 88%,rgba(59,130,246,.30),transparent 36%),
        linear-gradient(135deg,#081a33 0%,#0b1f3a 58%,#12335f 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .hip-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 18px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.15);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .hip-hero-copy h2{
      color:#fff;
      font-size:38px;
      max-width:720px;
    }

    .hip-hero-copy p{
      color:#eaf2ff;
      max-width:720px;
    }

    .hip-hero-copy a{
      color:#bfdbfe;
    }

    .hip-lede{
      font-size:18px;
      line-height:1.72;
    }

    .hip-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:0;
      background:#fff;
      border-top:1px solid rgba(226,232,240,.28);
    }

    .hip-stat{
      padding:18px 20px;
      border-right:1px solid #e2e8f0;
      background:#fff;
    }

    .hip-stat:nth-child(2){
      background:#eff6ff;
    }

    .hip-stat:nth-child(3){
      background:#fff7ed;
    }

    .hip-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .hip-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0b1f3a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .hip-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .hip-note{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .hip-note strong{
      color:#9a3412;
      font-weight:900;
    }

    .hip-section{
      margin:46px 0;
    }

    .hip-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .hip-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .hip-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .hip-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .hip-card.blue{
      background:linear-gradient(135deg,#eff6ff,#fff);
      border-color:#bfdbfe;
    }

    .hip-card.green{
      background:linear-gradient(135deg,#ecfdf5,#fff);
      border-color:#bbf7d0;
    }

    .hip-card.orange{
      background:linear-gradient(135deg,#fff7ed,#fff);
      border-color:#fed7aa;
    }

    .hip-card.purple{
      background:linear-gradient(135deg,#f5f3ff,#fff);
      border-color:#ddd6fe;
    }

    .hip-card.red{
      background:linear-gradient(135deg,#fef2f2,#fff);
      border-color:#fecaca;
    }

    .hip-card p:last-child{
      margin-bottom:0;
    }

    .hip-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .hip-list li{
      margin:0 0 12px;
    }

    .hip-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .hip-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .hip-table th,
    .hip-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .hip-table th{
      background:#0b1f3a;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .hip-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .hip-table tr:last-child td{
      border-bottom:0;
    }

    .hip-side-layout{
      display:grid;
      grid-template-columns:320px minmax(0,1fr);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .hip-side-card{
      position:sticky;
      top:18px;
      padding:22px;
      border-radius:24px;
      background:linear-gradient(135deg,#0b1f3a,#12335f);
      color:#fff;
      box-shadow:0 18px 42px rgba(8,32,68,.18);
    }

    .hip-side-card h3{
      color:#fff;
    }

    .hip-side-card p,
    .hip-side-card li{
      color:#e2e8f0;
      font-size:15px;
      line-height:1.6;
    }

    .hip-roadmap{
      margin:28px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .hip-roadmap-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .hip-roadmap-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#eef6ff;
      color:#0b67ae;
      font-size:18px;
      font-weight:950;
    }

    .hip-roadmap-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .hip-quote{
      margin:30px 0;
      padding:24px;
      border-radius:26px;
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border:1px solid #bbf7d0;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .hip-quote blockquote{
      margin:0;
      color:#14532d;
      font-size:20px;
      line-height:1.55;
      font-style:italic;
      font-weight:750;
    }

    .hip-quote figcaption{
      margin-top:12px;
      color:#64748b;
      font-size:14px;
      font-weight:800;
    }

    .hip-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .hip-faq summary{
      cursor:pointer;
      color:#0b1f3a;
      font-weight:850;
      list-style:none;
    }

    .hip-faq summary::-webkit-details-marker{
      display:none;
    }

    .hip-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .hip-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .hip-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .hip-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .hip-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .hip-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .hip-final-form input,
    .hip-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .hip-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .hip-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .hip-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .hip-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .hip-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .hip-refs h3{
      margin:0 0 12px;
      color:#0b1f3a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .hip-refs ol{
      margin:0;
      padding-left:20px;
    }

    .hip-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .hip-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .hip-author-top,
      .hip-hero-grid,
      .hip-stat-strip,
      .hip-grid-2,
      .hip-grid-3,
      .hip-side-layout,
      .hip-roadmap{
        grid-template-columns:1fr;
      }

      .hip-author-date{
        text-align:left;
        white-space:normal;
      }

      .hip-side-card{
        position:relative;
        top:auto;
      }

      .hip-stat{
        border-right:0;
        border-bottom:1px solid #e2e8f0;
      }

      .hip-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .hip-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .hip-page h2{
        font-size:28px;
      }

      .hip-hero-copy{
        padding:22px;
      }

      .hip-hero-copy h2{
        font-size:31px;
      }

      .hip-form-col,
      .hip-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* ================================================================
    https://loyainsurance.org/compare-high-risk-auto-insurance-quotes/
    ================================================================== */
    .hrq-page,
    .hrq-page *{
      box-sizing:border-box;
    }

    .hrq-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 58px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .hrq-page p{
      margin:0 0 18px;
    }

    .hrq-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
    }

    .hrq-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .hrq-page h3{
      margin:0 0 11px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .hrq-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .hrq-author-card{
      margin:18px 0 30px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .hrq-author-top{
      display:grid;
      grid-template-columns:minmax(0,1fr) auto;
      gap:18px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#fff7ed 0%,#f8fafc 50%,#eff6ff 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .hrq-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#0f172a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .hrq-author-name{
      margin:0;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .hrq-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .hrq-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .hrq-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .hrq-author-body details{
      margin:0;
    }

    .hrq-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#b45309;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .hrq-author-body summary::-webkit-details-marker{
      display:none;
    }

    .hrq-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .hrq-author-body details[open] .hrq-caret{
      transform:rotate(180deg);
    }

    .hrq-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .hrq-author-panel p{
      margin:0 0 10px!important;
    }

    .hrq-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .hrq-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#9a3412;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .hrq-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#0f172a;
      border:1px solid #dbeafe;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .hrq-hero-grid{
      display:grid;
      grid-template-columns:minmax(0,1.08fr) minmax(360px,.92fr);
      min-height:455px;
    }

    .hrq-hero-copy{
      padding:44px;
      background:
        radial-gradient(circle at 12% 15%,rgba(249,115,22,.25),transparent 34%),
        radial-gradient(circle at 94% 88%,rgba(59,130,246,.28),transparent 36%),
        linear-gradient(135deg,#0f172a 0%,#1f2937 52%,#111827 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .hrq-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .hrq-hero-copy h2{
      color:#fff;
      font-size:40px;
      max-width:720px;
    }

    .hrq-hero-copy p{
      color:#e5eefb;
      max-width:720px;
    }

    .hrq-hero-copy a{
      color:#fed7aa;
    }

    .hrq-lede{
      font-size:18px;
      line-height:1.72;
    }

    .hrq-hero-media{
      position:relative;
      min-height:455px;
      background:#111827;
    }

    .hrq-hero-media img{
      width:100%;
      height:100%;
      min-height:455px;
      display:block;
      object-fit:cover;
    }

    .hrq-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(180deg,rgba(15,23,42,.08),rgba(15,23,42,.40));
      pointer-events:none;
    }

    .hrq-hero-note{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.92);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 14px 32px rgba(15,23,42,.18);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .hrq-hero-note strong{
      display:block;
      color:#0f172a;
      font-size:15px;
      margin-bottom:5px;
    }

    .hrq-stat-row{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .hrq-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .hrq-stat:nth-child(2){
      background:#eff6ff;
    }

    .hrq-stat:nth-child(3){
      background:#fff7ed;
    }

    .hrq-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .hrq-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .hrq-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .hrq-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .hrq-alert strong{
      color:#9a3412;
      font-weight:900;
    }

    .hrq-section{
      margin:46px 0;
    }

    .hrq-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .hrq-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .hrq-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .hrq-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .hrq-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .hrq-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .hrq-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .hrq-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .hrq-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .hrq-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .hrq-card p:last-child{
      margin-bottom:0;
    }

    .hrq-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .hrq-list li{
      margin:0 0 12px;
    }

    .hrq-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .hrq-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .hrq-table th,
    .hrq-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .hrq-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .hrq-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .hrq-table tr:last-child td{
      border-bottom:0;
    }

    .hrq-side-layout{
      display:grid;
      grid-template-columns:minmax(270px,330px) minmax(0,1fr);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .hrq-side-card{
      position:sticky;
      top:18px;
      padding:22px;
      border-radius:24px;
      background:linear-gradient(135deg,#111827,#374151);
      color:#fff;
      box-shadow:0 18px 42px rgba(17,24,39,.18);
    }

    .hrq-side-card h3{
      color:#fff;
    }

    .hrq-side-card p,
    .hrq-side-card li{
      color:#e5e7eb;
      font-size:15px;
      line-height:1.6;
    }

    .hrq-steps{
      margin:26px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .hrq-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .hrq-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#fff7ed;
      color:#b45309;
      font-size:18px;
      font-weight:950;
    }

    .hrq-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .hrq-video-box{
      margin:30px 0;
      padding:22px;
      border-radius:26px;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border:1px solid #e2e8f0;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .hrq-video-frame{
      position:relative;
      width:100%;
      padding-bottom:56.25%;
      height:0;
      overflow:hidden;
      border-radius:20px;
      background:#0f172a;
      box-shadow:0 14px 34px rgba(15,23,42,.10);
    }

    .hrq-video-frame iframe{
      position:absolute;
      inset:0;
      width:100%;
      height:100%;
      border:0;
    }

    .hrq-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .hrq-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .hrq-faq summary::-webkit-details-marker{
      display:none;
    }

    .hrq-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .hrq-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .hrq-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .hrq-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .hrq-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .hrq-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .hrq-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .hrq-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .hrq-final-form input,
    .hrq-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .hrq-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .hrq-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .hrq-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .hrq-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .hrq-refs ol{
      margin:0;
      padding-left:20px;
    }

    .hrq-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .hrq-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .hrq-author-top,
      .hrq-hero-grid,
      .hrq-stat-row,
      .hrq-grid-2,
      .hrq-grid-3,
      .hrq-side-layout,
      .hrq-steps{
        grid-template-columns:1fr;
      }

      .hrq-author-date{
        text-align:left;
        white-space:normal;
      }

      .hrq-side-card{
        position:relative;
        top:auto;
      }

      .hrq-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .hrq-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .hrq-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .hrq-page h2{
        font-size:28px;
      }

      .hrq-hero-copy{
        padding:24px;
      }

      .hrq-hero-copy h2{
        font-size:31px;
      }

      .hrq-form-col,
      .hrq-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* ============================================================
    https://loyainsurance.org/high-risk-auto-insurance-discounts/
    ============================================================== */
    .hrd-page,
    .hrd-page *{
      box-sizing:border-box;
    }

    .hrd-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 58px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .hrd-page p{
      margin:0 0 18px;
    }

    .hrd-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
    }

    .hrd-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .hrd-page h3{
      margin:0 0 11px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .hrd-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .hrd-author-card{
      margin:18px 0 30px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .hrd-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#fff7ed 0%,#f8fafc 50%,#eff6ff 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .hrd-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .hrd-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#0f172a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .hrd-author-name{
      margin:0;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .hrd-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .hrd-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .hrd-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .hrd-author-body details{
      margin:0;
    }

    .hrd-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#b45309;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .hrd-author-body summary::-webkit-details-marker{
      display:none;
    }

    .hrd-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .hrd-author-body details[open] .hrd-caret{
      transform:rotate(180deg);
    }

    .hrd-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .hrd-author-panel p{
      margin:0 0 10px!important;
    }

    .hrd-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .hrd-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#9a3412;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .hrd-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#0f172a;
      border:1px solid #dbeafe;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .hrd-hero-grid{
      display:grid;
      grid-template-columns:minmax(0,.92fr) minmax(380px,1.08fr);
      min-height:455px;
    }

    .hrd-hero-media{
      position:relative;
      min-height:455px;
      background:#111827;
    }

    .hrd-hero-media img{
      width:100%;
      height:100%;
      min-height:455px;
      display:block;
      object-fit:cover;
    }

    .hrd-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(180deg,rgba(15,23,42,.08),rgba(15,23,42,.42));
      pointer-events:none;
    }

    .hrd-hero-note{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.92);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 14px 32px rgba(15,23,42,.18);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .hrd-hero-note strong{
      display:block;
      color:#0f172a;
      font-size:15px;
      margin-bottom:5px;
    }

    .hrd-hero-copy{
      padding:44px;
      background:
        radial-gradient(circle at 88% 15%,rgba(249,115,22,.28),transparent 34%),
        radial-gradient(circle at 12% 88%,rgba(59,130,246,.28),transparent 36%),
        linear-gradient(135deg,#0f172a 0%,#1f2937 54%,#111827 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .hrd-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .hrd-hero-copy h2{
      color:#fff;
      font-size:40px;
      max-width:720px;
    }

    .hrd-hero-copy p{
      color:#e5eefb;
      max-width:720px;
    }

    .hrd-hero-copy a{
      color:#fed7aa;
    }

    .hrd-lede{
      font-size:18px;
      line-height:1.72;
    }

    .hrd-stat-row{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .hrd-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .hrd-stat:nth-child(2){
      background:#eff6ff;
    }

    .hrd-stat:nth-child(3){
      background:#fff7ed;
    }

    .hrd-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .hrd-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .hrd-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .hrd-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .hrd-alert strong{
      color:#9a3412;
      font-weight:900;
    }

    .hrd-section{
      margin:46px 0;
    }

    .hrd-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .hrd-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .hrd-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .hrd-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .hrd-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .hrd-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .hrd-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .hrd-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .hrd-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .hrd-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .hrd-card p:last-child{
      margin-bottom:0;
    }

    .hrd-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .hrd-list li{
      margin:0 0 12px;
    }

    .hrd-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .hrd-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .hrd-table th,
    .hrd-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .hrd-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .hrd-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .hrd-table tr:last-child td{
      border-bottom:0;
    }

    .hrd-side-layout{
      display:grid;
      grid-template-columns:minmax(270px,330px) minmax(0,1fr);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .hrd-side-card{
      position:sticky;
      top:18px;
      padding:22px;
      border-radius:24px;
      background:linear-gradient(135deg,#111827,#374151);
      color:#fff;
      box-shadow:0 18px 42px rgba(17,24,39,.18);
    }

    .hrd-side-card h3{
      color:#fff;
    }

    .hrd-side-card p,
    .hrd-side-card li{
      color:#e5e7eb;
      font-size:15px;
      line-height:1.6;
    }

    .hrd-steps{
      margin:26px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .hrd-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .hrd-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#fff7ed;
      color:#b45309;
      font-size:18px;
      font-weight:950;
    }

    .hrd-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .hrd-video-box{
      margin:30px 0;
      padding:22px;
      border-radius:26px;
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border:1px solid #fed7aa;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .hrd-video-box h2{
      margin-top:0;
    }

    .hrd-video-frame{
      position:relative;
      width:100%;
      padding-bottom:56.25%;
      height:0;
      overflow:hidden;
      border-radius:20px;
      background:#0f172a;
      box-shadow:0 14px 34px rgba(15,23,42,.10);
    }

    .hrd-video-frame iframe{
      position:absolute;
      inset:0;
      width:100%;
      height:100%;
      border:0;
    }

    .hrd-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .hrd-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .hrd-faq summary::-webkit-details-marker{
      display:none;
    }

    .hrd-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .hrd-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .hrd-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .hrd-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .hrd-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .hrd-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .hrd-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .hrd-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .hrd-final-form input,
    .hrd-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .hrd-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .hrd-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .hrd-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .hrd-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .hrd-refs ol{
      margin:0;
      padding-left:20px;
    }

    .hrd-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .hrd-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .hrd-author-top,
      .hrd-hero-grid,
      .hrd-stat-row,
      .hrd-grid-2,
      .hrd-grid-3,
      .hrd-side-layout,
      .hrd-steps{
        grid-template-columns:1fr;
      }

      .hrd-author-date{
        text-align:left;
        white-space:normal;
      }

      .hrd-side-card{
        position:relative;
        top:auto;
      }

      .hrd-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .hrd-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .hrd-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .hrd-page h2{
        font-size:28px;
      }

      .hrd-hero-copy{
        padding:24px;
      }

      .hrd-hero-copy h2{
        font-size:31px;
      }

      .hrd-form-col,
      .hrd-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* ============================================================
    https://loyainsurance.org/fred-loya-insurance-young-drivers/
    ============================================================== */
    .fyd-page,
    .fyd-page *{
      box-sizing:border-box;
    }

    .fyd-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 58px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .fyd-page p{
      margin:0 0 18px;
    }

    .fyd-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
    }

    .fyd-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .fyd-page h3{
      margin:0 0 11px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .fyd-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .fyd-author-card{
      margin:18px 0 30px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .fyd-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#eff6ff 0%,#ffffff 48%,#fff7ed 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .fyd-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .fyd-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#0f172a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .fyd-author-name{
      margin:0;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .fyd-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .fyd-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .fyd-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .fyd-author-body details{
      margin:0;
    }

    .fyd-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#b45309;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .fyd-author-body summary::-webkit-details-marker{
      display:none;
    }

    .fyd-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .fyd-author-body details[open] .fyd-caret{
      transform:rotate(180deg);
    }

    .fyd-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .fyd-author-panel p{
      margin:0 0 10px!important;
    }

    .fyd-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .fyd-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#9a3412;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .fyd-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#0f172a;
      border:1px solid #dbeafe;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .fyd-hero-grid{
      display:grid;
      grid-template-columns:minmax(360px,.95fr) minmax(0,1.05fr);
      min-height:455px;
    }

    .fyd-hero-media{
      position:relative;
      min-height:455px;
      background:#111827;
    }

    .fyd-hero-media img{
      width:100%;
      height:100%;
      min-height:455px;
      display:block;
      object-fit:cover;
    }

    .fyd-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(180deg,rgba(15,23,42,.04),rgba(15,23,42,.42));
      pointer-events:none;
    }

    .fyd-hero-note{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.92);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 14px 32px rgba(15,23,42,.18);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .fyd-hero-note strong{
      display:block;
      color:#0f172a;
      font-size:15px;
      margin-bottom:5px;
    }

    .fyd-hero-copy{
      padding:44px;
      background:
        radial-gradient(circle at 88% 15%,rgba(249,115,22,.28),transparent 34%),
        radial-gradient(circle at 12% 88%,rgba(59,130,246,.28),transparent 36%),
        linear-gradient(135deg,#0f172a 0%,#1f2937 54%,#111827 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .fyd-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .fyd-hero-copy h2{
      color:#fff;
      font-size:40px;
      max-width:720px;
    }

    .fyd-hero-copy p{
      color:#e5eefb;
      max-width:720px;
    }

    .fyd-hero-copy a{
      color:#fed7aa;
    }

    .fyd-lede{
      font-size:18px;
      line-height:1.72;
    }

    .fyd-stat-row{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .fyd-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .fyd-stat:nth-child(2){
      background:#eff6ff;
    }

    .fyd-stat:nth-child(3){
      background:#fff7ed;
    }

    .fyd-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .fyd-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .fyd-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .fyd-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .fyd-alert strong{
      color:#9a3412;
      font-weight:900;
    }

    .fyd-section{
      margin:46px 0;
    }

    .fyd-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .fyd-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .fyd-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .fyd-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .fyd-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .fyd-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .fyd-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .fyd-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .fyd-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .fyd-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .fyd-card p:last-child{
      margin-bottom:0;
    }

    .fyd-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .fyd-list li{
      margin:0 0 12px;
    }

    .fyd-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .fyd-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .fyd-table th,
    .fyd-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .fyd-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .fyd-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .fyd-table tr:last-child td{
      border-bottom:0;
    }

    .fyd-split-band{
      display:grid;
      grid-template-columns:minmax(280px,.88fr) minmax(0,1.12fr);
      gap:24px;
      align-items:stretch;
      margin:26px 0 0;
    }

    .fyd-band-card{
      padding:24px;
      border-radius:26px;
      background:linear-gradient(135deg,#111827,#374151);
      color:#fff;
      box-shadow:0 18px 42px rgba(17,24,39,.18);
    }

    .fyd-band-card h3{
      color:#fff;
    }

    .fyd-band-card p,
    .fyd-band-card li{
      color:#e5e7eb;
      font-size:15px;
      line-height:1.6;
    }

    .fyd-steps{
      margin:26px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .fyd-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .fyd-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#fff7ed;
      color:#b45309;
      font-size:18px;
      font-weight:950;
    }

    .fyd-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .fyd-video-box{
      margin:30px 0;
      padding:22px;
      border-radius:26px;
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border:1px solid #bfdbfe;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .fyd-video-box h2{
      margin-top:0;
    }

    .fyd-video-frame{
      position:relative;
      width:100%;
      padding-bottom:56.25%;
      height:0;
      overflow:hidden;
      border-radius:20px;
      background:#0f172a;
      box-shadow:0 14px 34px rgba(15,23,42,.10);
    }

    .fyd-video-frame iframe{
      position:absolute;
      inset:0;
      width:100%;
      height:100%;
      border:0;
    }

    .fyd-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .fyd-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .fyd-faq summary::-webkit-details-marker{
      display:none;
    }

    .fyd-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .fyd-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .fyd-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .fyd-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .fyd-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .fyd-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .fyd-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .fyd-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .fyd-final-form input,
    .fyd-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .fyd-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .fyd-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .fyd-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .fyd-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .fyd-refs ol{
      margin:0;
      padding-left:20px;
    }

    .fyd-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .fyd-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .fyd-author-top,
      .fyd-hero-grid,
      .fyd-stat-row,
      .fyd-grid-2,
      .fyd-grid-3,
      .fyd-split-band,
      .fyd-steps{
        grid-template-columns:1fr;
      }

      .fyd-author-date{
        text-align:left;
        white-space:normal;
      }

      .fyd-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .fyd-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .fyd-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .fyd-page h2{
        font-size:28px;
      }

      .fyd-hero-copy{
        padding:24px;
      }

      .fyd-hero-copy h2{
        font-size:31px;
      }

      .fyd-form-col,
      .fyd-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    /* Videos responsivos dentro del artículo */
.fyd-page iframe,
.fyd-page video,
.fyd-page embed,
.fyd-page object{
  max-width:100%;
}

.fyd-page iframe[src*="youtube.com"],
.fyd-page iframe[src*="youtu.be"],
.fyd-page iframe[src*="vimeo.com"]{
  width:100% !important;
  aspect-ratio:16 / 9;
  height:auto !important;
  min-height:360px;
  display:block;
  border:0;
  border-radius:20px;
}

/* Si WordPress usa bloque embed */
.fyd-page .wp-block-embed,
.fyd-page .wp-block-embed__wrapper{
  width:100%;
  max-width:100%;
}

.fyd-page .wp-block-embed__wrapper iframe{
  width:100% !important;
  aspect-ratio:16 / 9;
  height:auto !important;
  min-height:360px;
  display:block;
}

/* ===================================================================
https://loyainsurance.org/how-to-get-a-loya-car-insurance-quote/
================================================================= */
.lq-page,
    .lq-page *{
      box-sizing:border-box;
    }

    .lq-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 58px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .lq-page p{
      margin:0 0 18px;
    }

    .lq-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
    }

    .lq-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .lq-page h3{
      margin:0 0 11px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .lq-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .lq-author-card{
      margin:18px 0 30px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .lq-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#fff7ed 0%,#f8fafc 50%,#eff6ff 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .lq-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .lq-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#0f172a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .lq-author-name{
      margin:0;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .lq-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .lq-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .lq-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .lq-author-body details{
      margin:0;
    }

    .lq-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#b45309;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .lq-author-body summary::-webkit-details-marker{
      display:none;
    }

    .lq-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .lq-author-body details[open] .lq-caret{
      transform:rotate(180deg);
    }

    .lq-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .lq-author-panel p{
      margin:0 0 10px!important;
    }

    .lq-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .lq-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#9a3412;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .lq-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#0f172a;
      border:1px solid #dbeafe;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .lq-hero-grid{
      display:grid;
      grid-template-columns:minmax(0,1.02fr) minmax(360px,.98fr);
      min-height:455px;
    }

    .lq-hero-copy{
      padding:44px;
      background:
        radial-gradient(circle at 14% 12%,rgba(249,115,22,.25),transparent 34%),
        radial-gradient(circle at 92% 86%,rgba(59,130,246,.30),transparent 36%),
        linear-gradient(135deg,#0f172a 0%,#1f2937 54%,#111827 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .lq-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .lq-hero-copy h2{
      color:#fff;
      font-size:40px;
      max-width:720px;
    }

    .lq-hero-copy p{
      color:#e5eefb;
      max-width:720px;
    }

    .lq-hero-copy a{
      color:#fed7aa;
    }

    .lq-lede{
      font-size:18px;
      line-height:1.72;
    }

    .lq-hero-media{
      position:relative;
      min-height:455px;
      background:#111827;
    }

    .lq-hero-media img{
      width:100%;
      height:100%;
      min-height:455px;
      display:block;
      object-fit:cover;
    }

    .lq-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(180deg,rgba(15,23,42,.06),rgba(15,23,42,.44));
      pointer-events:none;
    }

    .lq-hero-note{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.92);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 14px 32px rgba(15,23,42,.18);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .lq-hero-note strong{
      display:block;
      color:#0f172a;
      font-size:15px;
      margin-bottom:5px;
    }

    .lq-stat-row{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .lq-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .lq-stat:nth-child(2){
      background:#eff6ff;
    }

    .lq-stat:nth-child(3){
      background:#fff7ed;
    }

    .lq-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .lq-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .lq-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .lq-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .lq-alert strong{
      color:#9a3412;
      font-weight:900;
    }

    .lq-section{
      margin:46px 0;
    }

    .lq-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .lq-grid-2{
      display:grid;
      align-items:stretch;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .lq-grid-3{
      display:grid;
      align-items:stretch;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .lq-card{
      height:auto;
      min-height:0;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .lq-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .lq-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .lq-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .lq-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .lq-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .lq-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .lq-card p:last-child{
      margin-bottom:0;
    }

    .lq-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .lq-list li{
      margin:0 0 12px;
    }

    .lq-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .lq-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .lq-table th,
    .lq-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .lq-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .lq-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .lq-table tr:last-child td{
      border-bottom:0;
    }

    .lq-side-layout{
      display:grid;
      grid-template-columns:minmax(270px,330px) minmax(0,1fr);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .lq-side-card{
      position:sticky;
      top:18px;
      padding:22px;
      border-radius:24px;
      background:linear-gradient(135deg,#111827,#374151);
      color:#fff;
      box-shadow:0 18px 42px rgba(17,24,39,.18);
    }

    .lq-side-card h3{
      color:#fff;
    }

    .lq-side-card p,
    .lq-side-card li{
      color:#e5e7eb;
      font-size:15px;
      line-height:1.6;
    }

    .lq-steps{
      margin:26px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .lq-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .lq-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#fff7ed;
      color:#b45309;
      font-size:18px;
      font-weight:950;
    }

    .lq-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .lq-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .lq-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .lq-faq summary::-webkit-details-marker{
      display:none;
    }

    .lq-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .lq-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .lq-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .lq-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .lq-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .lq-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .lq-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .lq-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .lq-final-form input,
    .lq-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .lq-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .lq-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .lq-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .lq-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .lq-refs ol{
      margin:0;
      padding-left:20px;
    }

    .lq-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .lq-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }



    /* Layout repair: prevents cards and later sections from being pulled into the dark hero panel */
    .lq-hero-grid > .lq-hero-copy,
    .lq-hero-grid > .lq-hero-media{
      min-width:0;
    }

    .lq-section,
    .lq-alert,
    .lq-editorial,
    .lq-refs{
      color:#172033;
    }

    .lq-section p,
    .lq-section li,
    .lq-editorial,
    .lq-refs li{
      color:#334155;
    }

    .lq-card,
    .lq-step,
    .lq-table-wrap,
    .lq-faq details{
      overflow:hidden;
    }

    @media(max-width:980px){
      .lq-author-top,
      .lq-hero-grid,
      .lq-stat-row,
      .lq-grid-2,
      .lq-grid-3,
      .lq-side-layout,
      .lq-steps{
        grid-template-columns:1fr;
      }

      .lq-author-date{
        text-align:left;
        white-space:normal;
      }

      .lq-side-card{
        position:relative;
        top:auto;
      }

      .lq-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .lq-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .lq-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .lq-page h2{
        font-size:28px;
      }

      .lq-hero-copy{
        padding:24px;
      }

      .lq-hero-copy h2{
        font-size:31px;
      }

      .lq-form-col,
      .lq-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* ============================================================
    https://loyainsurance.org/loya-insurance-claims/
    ================================================== */
    .lic-page,
    .lic-page *{
      box-sizing:border-box;
    }

    .lic-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 58px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .lic-page p{
      margin:0 0 18px;
    }

    .lic-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
    }

    .lic-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .lic-page h3{
      margin:0 0 11px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .lic-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .lic-author-card{
      margin:18px 0 30px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .lic-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#eff6ff 0%,#ffffff 50%,#fff7ed 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .lic-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .lic-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#0f172a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .lic-author-name{
      margin:0;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .lic-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .lic-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .lic-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .lic-author-body details{
      margin:0;
    }

    .lic-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#b45309;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .lic-author-body summary::-webkit-details-marker{
      display:none;
    }

    .lic-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .lic-author-body details[open] .lic-caret{
      transform:rotate(180deg);
    }

    .lic-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .lic-author-panel p{
      margin:0 0 10px!important;
    }

    .lic-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .lic-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#9a3412;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .lic-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#0f172a;
      border:1px solid #dbeafe;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .lic-hero-grid{
      display:grid;
      grid-template-columns:minmax(360px,.92fr) minmax(0,1.08fr);
      min-height:455px;
    }

    .lic-hero-media{
      position:relative;
      min-height:455px;
      background:#111827;
    }

    .lic-hero-media img{
      width:100%;
      height:100%;
      min-height:455px;
      display:block;
      object-fit:cover;
    }

    .lic-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(180deg,rgba(15,23,42,.04),rgba(15,23,42,.44));
      pointer-events:none;
    }

    .lic-hero-note{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.92);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 14px 32px rgba(15,23,42,.18);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .lic-hero-note strong{
      display:block;
      color:#0f172a;
      font-size:15px;
      margin-bottom:5px;
    }

    .lic-hero-copy{
      padding:44px;
      background:
        radial-gradient(circle at 88% 15%,rgba(249,115,22,.28),transparent 34%),
        radial-gradient(circle at 12% 88%,rgba(59,130,246,.28),transparent 36%),
        linear-gradient(135deg,#0f172a 0%,#1f2937 54%,#111827 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .lic-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .lic-hero-copy h2{
      color:#fff;
      font-size:40px;
      max-width:720px;
    }

    .lic-hero-copy p{
      color:#e5eefb;
      max-width:720px;
    }

    .lic-hero-copy a{
      color:#fed7aa;
    }

    .lic-lede{
      font-size:18px;
      line-height:1.72;
    }

    .lic-stat-row{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .lic-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .lic-stat:nth-child(2){
      background:#eff6ff;
    }

    .lic-stat:nth-child(3){
      background:#fff7ed;
    }

    .lic-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .lic-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .lic-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .lic-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .lic-alert strong{
      color:#9a3412;
      font-weight:900;
    }

    .lic-section{
      margin:46px 0;
    }

    .lic-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .lic-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .lic-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .lic-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .lic-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .lic-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .lic-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .lic-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .lic-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .lic-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .lic-card p:last-child{
      margin-bottom:0;
    }

    .lic-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .lic-list li{
      margin:0 0 12px;
    }

    .lic-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .lic-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .lic-table th,
    .lic-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .lic-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .lic-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .lic-table tr:last-child td{
      border-bottom:0;
    }

    .lic-side-layout{
      display:grid;
      grid-template-columns:minmax(270px,330px) minmax(0,1fr);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .lic-side-card{
      position:sticky;
      top:18px;
      padding:22px;
      border-radius:24px;
      background:linear-gradient(135deg,#111827,#374151);
      color:#fff;
      box-shadow:0 18px 42px rgba(17,24,39,.18);
    }

    .lic-side-card h3{
      color:#fff;
    }

    .lic-side-card p,
    .lic-side-card li{
      color:#e5e7eb;
      font-size:15px;
      line-height:1.6;
    }

    .lic-steps{
      margin:26px 0 0;
      display:grid;
      grid-template-columns:repeat(5,minmax(0,1fr));
      gap:14px;
    }

    .lic-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .lic-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#fff7ed;
      color:#b45309;
      font-size:18px;
      font-weight:950;
    }

    .lic-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .lic-image-band{
      margin:30px 0;
      display:grid;
      grid-template-columns:minmax(260px,.88fr) minmax(0,1.12fr);
      gap:24px;
      align-items:center;
      padding:22px;
      border-radius:28px;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border:1px solid #e2e8f0;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .lic-image-band img{
      width:100%;
      max-width:430px;
      height:auto;
      display:block;
      margin:0 auto;
      border-radius:22px;
      box-shadow:0 16px 34px rgba(15,23,42,.10);
    }

    .lic-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .lic-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .lic-faq summary::-webkit-details-marker{
      display:none;
    }

    .lic-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .lic-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .lic-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .lic-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .lic-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .lic-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .lic-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .lic-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .lic-final-form input,
    .lic-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .lic-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .lic-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .lic-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .lic-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .lic-refs ol{
      margin:0;
      padding-left:20px;
    }

    .lic-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .lic-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .lic-author-top,
      .lic-hero-grid,
      .lic-stat-row,
      .lic-grid-2,
      .lic-grid-3,
      .lic-side-layout,
      .lic-steps,
      .lic-image-band{
        grid-template-columns:1fr;
      }

      .lic-author-date{
        text-align:left;
        white-space:normal;
      }

      .lic-side-card{
        position:relative;
        top:auto;
      }

      .lic-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .lic-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .lic-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .lic-page h2{
        font-size:28px;
      }

      .lic-hero-copy{
        padding:24px;
      }

      .lic-hero-copy h2{
        font-size:31px;
      }

      .lic-form-col,
      .lic-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* ===============================================================
    https://loyainsurance.org/loya-liability-car-insurance/
    ======================================================== */
     .lol-page,
    .lol-page *{
      box-sizing:border-box;
    }

    .lol-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 58px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .lol-page p{
      margin:0 0 18px;
    }

    .lol-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
    }

    .lol-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .lol-page h3{
      margin:0 0 11px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .lol-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .lol-author-card{
      margin:18px 0 30px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .lol-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#fff7ed 0%,#ffffff 48%,#eff6ff 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .lol-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .lol-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#0f172a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .lol-author-name{
      margin:0;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .lol-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .lol-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .lol-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .lol-author-body details{
      margin:0;
    }

    .lol-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#b45309;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .lol-author-body summary::-webkit-details-marker{
      display:none;
    }

    .lol-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .lol-author-body details[open] .lol-caret{
      transform:rotate(180deg);
    }

    .lol-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .lol-author-panel p{
      margin:0 0 10px!important;
    }

    .lol-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .lol-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#9a3412;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .lol-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#0f172a;
      border:1px solid #dbeafe;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .lol-hero-grid{
      display:grid;
      grid-template-columns:minmax(0,1.08fr) minmax(360px,.92fr);
      min-height:455px;
    }

    .lol-hero-copy{
      padding:44px;
      background:
        radial-gradient(circle at 14% 12%,rgba(249,115,22,.26),transparent 34%),
        radial-gradient(circle at 92% 86%,rgba(59,130,246,.30),transparent 36%),
        linear-gradient(135deg,#0f172a 0%,#1f2937 54%,#111827 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .lol-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .lol-hero-copy h2{
      color:#fff;
      font-size:40px;
      max-width:720px;
    }

    .lol-hero-copy p{
      color:#e5eefb;
      max-width:720px;
    }

    .lol-hero-copy a{
      color:#fed7aa;
    }

    .lol-lede{
      font-size:18px;
      line-height:1.72;
    }

    .lol-hero-media{
      position:relative;
      min-height:455px;
      background:#111827;
    }

    .lol-hero-media img{
      width:100%;
      height:100%;
      min-height:455px;
      display:block;
      object-fit:cover;
    }

    .lol-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(180deg,rgba(15,23,42,.06),rgba(15,23,42,.40));
      pointer-events:none;
    }

    .lol-hero-note{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.92);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 14px 32px rgba(15,23,42,.18);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .lol-hero-note strong{
      display:block;
      color:#0f172a;
      font-size:15px;
      margin-bottom:5px;
    }

    .lol-stat-row{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .lol-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .lol-stat:nth-child(2){
      background:#eff6ff;
    }

    .lol-stat:nth-child(3){
      background:#fff7ed;
    }

    .lol-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .lol-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .lol-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .lol-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .lol-alert strong{
      color:#9a3412;
      font-weight:900;
    }

    .lol-section{
      margin:46px 0;
    }

    .lol-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .lol-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .lol-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .lol-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .lol-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .lol-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .lol-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .lol-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .lol-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .lol-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .lol-card p:last-child{
      margin-bottom:0;
    }

    .lol-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .lol-list li{
      margin:0 0 12px;
    }

    .lol-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .lol-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .lol-table th,
    .lol-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .lol-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .lol-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .lol-table tr:last-child td{
      border-bottom:0;
    }

    .lol-side-layout{
      display:grid;
      grid-template-columns:minmax(270px,330px) minmax(0,1fr);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .lol-side-card{
      position:sticky;
      top:18px;
      padding:22px;
      border-radius:24px;
      background:linear-gradient(135deg,#111827,#374151);
      color:#fff;
      box-shadow:0 18px 42px rgba(17,24,39,.18);
    }

    .lol-side-card h3{
      color:#fff;
    }

    .lol-side-card p,
    .lol-side-card li{
      color:#e5e7eb;
      font-size:15px;
      line-height:1.6;
    }

    .lol-steps{
      margin:26px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .lol-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .lol-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#fff7ed;
      color:#b45309;
      font-size:18px;
      font-weight:950;
    }

    .lol-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .lol-image-band{
      margin:30px 0;
      display:grid;
      grid-template-columns:minmax(280px,.9fr) minmax(0,1.1fr);
      gap:24px;
      align-items:center;
      padding:22px;
      border-radius:28px;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border:1px solid #e2e8f0;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .lol-image-band img{
      width:100%;
      max-width:460px;
      height:auto;
      display:block;
      margin:0 auto;
      border-radius:22px;
      box-shadow:0 16px 34px rgba(15,23,42,.10);
    }

    .lol-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .lol-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .lol-faq summary::-webkit-details-marker{
      display:none;
    }

    .lol-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .lol-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .lol-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .lol-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .lol-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .lol-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .lol-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .lol-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .lol-final-form input,
    .lol-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .lol-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .lol-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .lol-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .lol-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .lol-refs ol{
      margin:0;
      padding-left:20px;
    }

    .lol-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .lol-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .lol-author-top,
      .lol-hero-grid,
      .lol-stat-row,
      .lol-grid-2,
      .lol-grid-3,
      .lol-side-layout,
      .lol-steps,
      .lol-image-band{
        grid-template-columns:1fr;
      }

      .lol-author-date{
        text-align:left;
        white-space:normal;
      }

      .lol-side-card{
        position:relative;
        top:auto;
      }

      .lol-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .lol-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .lol-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .lol-page h2{
        font-size:28px;
      }

      .lol-hero-copy{
        padding:24px;
      }

      .lol-hero-copy h2{
        font-size:31px;
      }

      .lol-form-col,
      .lol-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* ============================================================
    https://loyainsurance.org/loya-insurance-bonanza/
    ===================================================== */
    .lvb-page,
    .lvb-page *{
      box-sizing:border-box;
    }

    .lvb-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 58px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .lvb-page p{
      margin:0 0 18px;
    }

    .lvb-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
    }

    .lvb-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .lvb-page h3{
      margin:0 0 11px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .lvb-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .lvb-author-card{
      margin:18px 0 30px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .lvb-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#fff7ed 0%,#ffffff 48%,#eff6ff 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .lvb-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .lvb-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#0f172a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .lvb-author-name{
      margin:0;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .lvb-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .lvb-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .lvb-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .lvb-author-body details{
      margin:0;
    }

    .lvb-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#b45309;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .lvb-author-body summary::-webkit-details-marker{
      display:none;
    }

    .lvb-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .lvb-author-body details[open] .lvb-caret{
      transform:rotate(180deg);
    }

    .lvb-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .lvb-author-panel p{
      margin:0 0 10px!important;
    }

    .lvb-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .lvb-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#9a3412;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .lvb-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#0f172a;
      border:1px solid #dbeafe;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .lvb-hero-grid{
      display:grid;
      grid-template-columns:minmax(0,1.05fr) minmax(360px,.95fr);
      min-height:455px;
    }

    .lvb-hero-copy{
      padding:44px;
      background:
        radial-gradient(circle at 14% 12%,rgba(249,115,22,.26),transparent 34%),
        radial-gradient(circle at 92% 86%,rgba(59,130,246,.30),transparent 36%),
        linear-gradient(135deg,#0f172a 0%,#1f2937 54%,#111827 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .lvb-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .lvb-hero-copy h2{
      color:#fff;
      font-size:40px;
      max-width:720px;
    }

    .lvb-hero-copy p{
      color:#e5eefb;
      max-width:720px;
    }

    .lvb-hero-copy a{
      color:#fed7aa;
    }

    .lvb-lede{
      font-size:18px;
      line-height:1.72;
    }

    .lvb-hero-media{
      position:relative;
      min-height:455px;
      background:#111827;
    }

    .lvb-hero-media img{
      width:100%;
      height:100%;
      min-height:455px;
      display:block;
      object-fit:cover;
    }

    .lvb-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(180deg,rgba(15,23,42,.06),rgba(15,23,42,.42));
      pointer-events:none;
    }

    .lvb-hero-note{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.93);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 14px 32px rgba(15,23,42,.18);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .lvb-hero-note strong{
      display:block;
      color:#0f172a;
      font-size:15px;
      margin-bottom:5px;
    }

    .lvb-stat-row{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .lvb-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .lvb-stat:nth-child(2){
      background:#eff6ff;
    }

    .lvb-stat:nth-child(3){
      background:#fff7ed;
    }

    .lvb-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .lvb-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .lvb-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .lvb-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .lvb-alert strong{
      color:#9a3412;
      font-weight:900;
    }

    .lvb-section{
      margin:46px 0;
    }

    .lvb-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .lvb-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .lvb-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .lvb-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .lvb-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .lvb-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .lvb-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .lvb-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .lvb-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .lvb-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .lvb-card p:last-child{
      margin-bottom:0;
    }

    .lvb-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .lvb-list li{
      margin:0 0 12px;
    }

    .lvb-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .lvb-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .lvb-table th,
    .lvb-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .lvb-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .lvb-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .lvb-table tr:last-child td{
      border-bottom:0;
    }

    .lvb-side-layout{
      display:grid;
      grid-template-columns:minmax(270px,330px) minmax(0,1fr);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .lvb-side-card{
      position:sticky;
      top:18px;
      padding:22px;
      border-radius:24px;
      background:linear-gradient(135deg,#111827,#374151);
      color:#fff;
      box-shadow:0 18px 42px rgba(17,24,39,.18);
    }

    .lvb-side-card h3{
      color:#fff;
    }

    .lvb-side-card p,
    .lvb-side-card li{
      color:#e5e7eb;
      font-size:15px;
      line-height:1.6;
    }

    .lvb-steps{
      margin:26px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .lvb-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .lvb-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#fff7ed;
      color:#b45309;
      font-size:18px;
      font-weight:950;
    }

    .lvb-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .lvb-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .lvb-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .lvb-faq summary::-webkit-details-marker{
      display:none;
    }

    .lvb-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .lvb-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .lvb-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .lvb-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .lvb-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .lvb-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .lvb-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .lvb-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .lvb-final-form input,
    .lvb-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .lvb-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .lvb-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .lvb-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .lvb-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .lvb-refs ol{
      margin:0;
      padding-left:20px;
    }

    .lvb-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .lvb-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .lvb-author-top,
      .lvb-hero-grid,
      .lvb-stat-row,
      .lvb-grid-2,
      .lvb-grid-3,
      .lvb-side-layout,
      .lvb-steps{
        grid-template-columns:1fr;
      }

      .lvb-author-date{
        text-align:left;
        white-space:normal;
      }

      .lvb-side-card{
        position:relative;
        top:auto;
      }

      .lvb-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .lvb-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .lvb-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .lvb-page h2{
        font-size:28px;
      }

      .lvb-hero-copy{
        padding:24px;
      }

      .lvb-hero-copy h2{
        font-size:31px;
      }

      .lvb-form-col,
      .lvb-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* ===============================================================
    https://loyainsurance.org/loya-insurance-locations/
    =================================================== */
    .loc-page,
    .loc-page *{
      box-sizing:border-box;
    }

.loc-page{
  max-width:1120px;
  margin:0 auto;
  padding:0 24px 58px;
  color:#172033;
  font-size:17px;
  line-height:1.72;
}

.loc-page p{
  margin:0 0 18px;
}

.loc-page h2{
  margin:0 0 16px;
  color:#0f172a;
  font-size:32px;
  line-height:1.18;
  font-weight:900;
  letter-spacing:-.025em;
}

.loc-page h3{
  margin:0 0 11px;
  color:#111827;
  font-size:22px;
  line-height:1.25;
  font-weight:850;
}

.loc-page h4{
  margin:0 0 8px;
  color:#111827;
  font-size:18px;
  line-height:1.25;
  font-weight:850;
}

.loc-page a{
  color:#b45309;
  text-decoration:underline;
  text-underline-offset:3px;
}

.loc-hero{
  margin:0 0 34px;
  border-radius:34px;
  overflow:hidden;
  background:#0f172a;
  border:1px solid #dbeafe;
  box-shadow:0 24px 60px rgba(15,23,42,.13);
}

.loc-hero-grid{
  display:grid;
  grid-template-columns:minmax(0,1.05fr) minmax(360px,.95fr);
  min-height:455px;
}

.loc-hero-copy{
  padding:44px;
  background:
    radial-gradient(circle at 14% 12%,rgba(249,115,22,.26),transparent 34%),
    radial-gradient(circle at 92% 86%,rgba(59,130,246,.30),transparent 36%),
    linear-gradient(135deg,#0f172a 0%,#1f2937 54%,#111827 100%);
  color:#fff;
  display:flex;
  flex-direction:column;
  justify-content:center;
}

.loc-eyebrow{
  display:inline-flex;
  width:max-content;
  margin:0 0 17px;
  padding:8px 14px;
  border-radius:999px;
  background:rgba(255,255,255,.14);
  color:#fff;
  font-size:13px;
  line-height:1;
  font-weight:900;
  letter-spacing:.04em;
  text-transform:uppercase;
}

.loc-hero-copy h2{
  color:#fff;
  font-size:40px;
  max-width:720px;
}

.loc-hero-copy p{
  color:#e5eefb;
  max-width:720px;
}

.loc-hero-copy a{
  color:#fed7aa;
}

.loc-lede{
  font-size:18px;
  line-height:1.72;
}

.loc-hero-media{
  position:relative;
  min-height:455px;
  background:#111827;
}

.loc-hero-media img{
  width:100%;
  height:100%;
  min-height:455px;
  display:block;
  object-fit:cover;
}

.loc-hero-media:after{
  content:"";
  position:absolute;
  inset:0;
  background:linear-gradient(180deg,rgba(15,23,42,.04),rgba(15,23,42,.42));
  pointer-events:none;
}

.loc-hero-note{
  position:absolute;
  left:18px;
  right:18px;
  bottom:18px;
  z-index:2;
  padding:16px 18px;
  border-radius:20px;
  background:rgba(255,255,255,.93);
  color:#334155;
  font-size:13px;
  line-height:1.45;
  box-shadow:0 14px 32px rgba(15,23,42,.18);
  backdrop-filter:blur(10px);
  -webkit-backdrop-filter:blur(10px);
}

.loc-hero-note strong{
  display:block;
  color:#0f172a;
  font-size:15px;
  margin-bottom:5px;
}

.loc-stat-row{
  display:grid;
  grid-template-columns:repeat(4,minmax(0,1fr));
  background:#fff;
  border-top:1px solid rgba(226,232,240,.35);
}

.loc-stat{
  padding:18px 20px;
  border-right:1px solid #e5e7eb;
  background:#fff;
}

.loc-stat:nth-child(2){
  background:#eff6ff;
}

.loc-stat:nth-child(3){
  background:#fff7ed;
}

.loc-stat:nth-child(4){
  background:#ecfdf5;
  border-right:0;
}

.loc-stat strong{
  display:block;
  margin:0 0 4px;
  color:#0f172a;
  font-size:18px;
  line-height:1.2;
  font-weight:950;
}

.loc-stat span{
  display:block;
  color:#475569;
  font-size:14px;
  line-height:1.5;
}

.loc-alert{
  margin:0 0 38px;
  padding:20px 22px;
  border-radius:22px;
  background:#fff7ed;
  border:1px solid #fed7aa;
  color:#7c2d12;
  box-shadow:0 12px 30px rgba(124,45,18,.055);
}

.loc-alert strong{
  color:#9a3412;
  font-weight:900;
}

.loc-section{
  margin:46px 0;
}

.loc-section.narrow{
  max-width:930px;
  margin-left:auto;
  margin-right:auto;
}

.loc-grid-2{
  display:grid;
  grid-template-columns:repeat(2,minmax(0,1fr));
  gap:20px;
  margin:24px 0 0;
}

.loc-grid-3{
  display:grid;
  grid-template-columns:repeat(3,minmax(0,1fr));
  gap:18px;
  margin:24px 0 0;
}

.loc-card{
  height:100%;
  padding:22px;
  border-radius:22px;
  border:1px solid #e5e7eb;
  background:#fff;
  box-shadow:0 14px 34px rgba(15,23,42,.055);
}

.loc-card.blue{
  background:linear-gradient(135deg,#eff6ff,#ffffff);
  border-color:#bfdbfe;
}

.loc-card.green{
  background:linear-gradient(135deg,#ecfdf5,#ffffff);
  border-color:#bbf7d0;
}

.loc-card.orange{
  background:linear-gradient(135deg,#fff7ed,#ffffff);
  border-color:#fed7aa;
}

.loc-card.purple{
  background:linear-gradient(135deg,#faf5ff,#ffffff);
  border-color:#e9d5ff;
}

.loc-card.red{
  background:linear-gradient(135deg,#fef2f2,#ffffff);
  border-color:#fecaca;
}

.loc-card.gray{
  background:linear-gradient(135deg,#f8fafc,#ffffff);
  border-color:#e2e8f0;
}

.loc-card p:last-child{
  margin-bottom:0;
}

.loc-list{
  margin:0 0 20px;
  padding-left:22px;
}

.loc-list li{
  margin:0 0 12px;
}

.loc-table-wrap{
  margin:24px 0 30px;
  overflow-x:auto;
  border-radius:22px;
  border:1px solid #e5e7eb;
  background:#fff;
  box-shadow:0 16px 36px rgba(15,23,42,.05);
}

.loc-table{
  width:100%;
  border-collapse:collapse;
  min-width:780px;
  background:#fff;
}

.loc-table th,
.loc-table td{
  padding:16px 18px;
  text-align:left;
  vertical-align:top;
  border-bottom:1px solid #e5e7eb;
  font-size:15px;
  line-height:1.55;
}

.loc-table th{
  background:#111827;
  color:#fff;
  font-size:14px;
  text-transform:uppercase;
  letter-spacing:.04em;
  font-weight:850;
}

.loc-table tbody tr:nth-child(even) td{
  background:#f8fafc;
}

.loc-table tr:last-child td{
  border-bottom:0;
}

.loc-steps{
  margin:26px 0 0;
  display:grid;
  grid-template-columns:repeat(4,minmax(0,1fr));
  gap:14px;
}

.loc-step{
  padding:18px;
  border-radius:22px;
  background:#fff;
  border:1px solid #e5e7eb;
  box-shadow:0 12px 30px rgba(15,23,42,.045);
}

.loc-step span{
  width:40px;
  height:40px;
  display:flex;
  align-items:center;
  justify-content:center;
  margin:0 0 12px;
  border-radius:14px;
  background:#fff7ed;
  color:#b45309;
  font-size:18px;
  font-weight:950;
}

.loc-step p{
  color:#475569;
  font-size:15px;
  line-height:1.6;
  margin-bottom:0;
}

.loc-image-band{
  margin:30px 0;
  display:grid;
  grid-template-columns:minmax(280px,.9fr) minmax(0,1.1fr);
  gap:24px;
  align-items:center;
  padding:22px;
  border-radius:28px;
  background:linear-gradient(135deg,#f8fafc,#ffffff);
  border:1px solid #e2e8f0;
  box-shadow:0 14px 34px rgba(15,23,42,.055);
}

.loc-image-band img{
  width:100%;
  max-width:460px;
  height:auto;
  display:block;
  margin:0 auto;
  border-radius:22px;
  box-shadow:0 16px 34px rgba(15,23,42,.10);
}

.loc-final-quote{
  margin:46px auto 36px;
  width:100%;
  display:flex;
  justify-content:center;
}

.loc-final-quote-inner{
  max-width:800px;
  width:100%;
  background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
  border-radius:22px;
  padding:22px 24px 20px;
  box-shadow:0 16px 38px rgba(10,20,40,.20);
  border:1px solid rgba(255,255,255,.08);
}

.loc-final-title{
  display:block;
  color:#ffffff!important;
  font-size:24px;
  line-height:1.15;
  font-weight:900;
  margin:0 0 7px;
  text-align:center;
  -webkit-text-fill-color:#ffffff;
}

.loc-final-subtitle{
  display:block;
  color:#e2e8f0!important;
  font-size:14px;
  line-height:1.5;
  font-weight:500;
  margin:0 0 14px;
  text-align:center;
  -webkit-text-fill-color:#e2e8f0;
}

.loc-final-form{
  display:flex;
  gap:10px;
  align-items:center;
  justify-content:center;
  flex-wrap:wrap;
  margin:0;
  padding:0;
  width:100%;
}

.loc-form-col{
  flex:1 1 180px;
  min-width:160px;
  max-width:200px;
  margin:0;
  padding:0;
}

.loc-form-col.button-col{
  flex:0 0 160px;
  min-width:160px;
}

.loc-final-form input,
.loc-final-form select{
  width:100%;
  height:44px;
  display:block;
  box-sizing:border-box;
  margin:0;
  padding:0 12px;
  border:none;
  border-radius:10px;
  background:#f3f4f6;
  color:#24324a;
  font-size:15px;
  line-height:44px;
  box-shadow:none;
  outline:none;
}

.loc-final-form button{
  width:100%;
  height:44px;
  display:inline-flex;
  align-items:center;
  justify-content:center;
  box-sizing:border-box;
  border:none;
  border-radius:10px;
  background:#dc2626;
  color:#ffffff!important;
  font-size:15px;
  line-height:1;
  font-weight:800;
  text-align:center;
  padding:0 18px;
  cursor:pointer;
  -webkit-text-fill-color:#ffffff;
}

.loc-editorial{
  margin:34px 0;
  padding:18px 20px;
  border-radius:20px;
  background:#f8fafc;
  border:1px solid #e2e8f0;
  color:#475569;
  font-size:15px;
  line-height:1.65;
}

@media(max-width:980px){
  .loc-hero-grid,
  .loc-stat-row,
  .loc-grid-2,
  .loc-grid-3,
  .loc-steps,
  .loc-image-band{
    grid-template-columns:1fr;
  }

  .loc-stat{
    border-right:0;
    border-bottom:1px solid #e5e7eb;
  }

  .loc-stat:last-child{
    border-bottom:0;
  }
}

@media(max-width:640px){
  .loc-page{
    padding:0 18px 44px;
    font-size:16px;
  }

  .loc-page h2{
    font-size:28px;
  }

  .loc-hero-copy{
    padding:24px;
  }

  .loc-hero-copy h2{
    font-size:31px;
  }

  .loc-form-col,
  .loc-form-col.button-col{
    flex:1 1 100%;
    max-width:none;
  }
}

/* ===================================================================
https://loyainsurance.org/safe-driver-insurance-discounts/
============================================================ */
.sdd-page,
    .sdd-page *{box-sizing:border-box;}

    .sdd-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 58px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .sdd-page p{margin:0 0 18px;}

    .sdd-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
    }

    .sdd-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .sdd-page h3{
      margin:0 0 11px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .sdd-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .sdd-author-card{
      margin:18px 0 30px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .sdd-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#ecfdf5 0%,#ffffff 50%,#eff6ff 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .sdd-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .sdd-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#0f172a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .sdd-author-name{
      margin:0;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .sdd-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .sdd-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .sdd-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .sdd-author-body details{margin:0;}

    .sdd-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#b45309;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .sdd-author-body summary::-webkit-details-marker{display:none;}

    .sdd-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .sdd-author-body details[open] .sdd-caret{transform:rotate(180deg);}

    .sdd-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .sdd-author-panel p{margin:0 0 10px!important;}

    .sdd-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .sdd-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#ecfdf5;
      border:1px solid #bbf7d0;
      color:#166534;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .sdd-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#0f172a;
      border:1px solid #dbeafe;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .sdd-hero-grid{
      display:grid;
      grid-template-columns:minmax(0,1.02fr) minmax(360px,.98fr);
      min-height:455px;
    }

    .sdd-hero-copy{
      padding:44px;
      background:
        radial-gradient(circle at 14% 12%,rgba(34,197,94,.24),transparent 34%),
        radial-gradient(circle at 92% 86%,rgba(59,130,246,.30),transparent 36%),
        linear-gradient(135deg,#0f172a 0%,#1f2937 54%,#111827 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .sdd-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .sdd-hero-copy h2{
      color:#fff;
      font-size:40px;
      max-width:720px;
    }

    .sdd-hero-copy p{
      color:#e5eefb;
      max-width:720px;
    }

    .sdd-hero-copy a{color:#bbf7d0;}

    .sdd-lede{
      font-size:18px;
      line-height:1.72;
    }

    .sdd-hero-media{
      position:relative;
      min-height:455px;
      background:#111827;
    }

    .sdd-hero-media img{
      width:100%;
      height:100%;
      min-height:455px;
      display:block;
      object-fit:cover;
    }

    .sdd-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(180deg,rgba(15,23,42,.04),rgba(15,23,42,.42));
      pointer-events:none;
    }

    .sdd-hero-note{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.93);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 14px 32px rgba(15,23,42,.18);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .sdd-hero-note strong{
      display:block;
      color:#0f172a;
      font-size:15px;
      margin-bottom:5px;
    }

    .sdd-stat-row{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .sdd-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .sdd-stat:nth-child(2){background:#eff6ff;}
    .sdd-stat:nth-child(3){background:#fff7ed;}
    .sdd-stat:nth-child(4){background:#ecfdf5;border-right:0;}

    .sdd-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .sdd-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .sdd-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#ecfdf5;
      border:1px solid #bbf7d0;
      color:#14532d;
      box-shadow:0 12px 30px rgba(20,83,45,.055);
    }

    .sdd-alert strong{
      color:#166534;
      font-weight:900;
    }

    .sdd-section{margin:46px 0;}

    .sdd-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .sdd-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .sdd-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .sdd-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .sdd-card.blue{background:linear-gradient(135deg,#eff6ff,#ffffff);border-color:#bfdbfe;}
    .sdd-card.green{background:linear-gradient(135deg,#ecfdf5,#ffffff);border-color:#bbf7d0;}
    .sdd-card.orange{background:linear-gradient(135deg,#fff7ed,#ffffff);border-color:#fed7aa;}
    .sdd-card.purple{background:linear-gradient(135deg,#faf5ff,#ffffff);border-color:#e9d5ff;}
    .sdd-card.red{background:linear-gradient(135deg,#fef2f2,#ffffff);border-color:#fecaca;}
    .sdd-card.gray{background:linear-gradient(135deg,#f8fafc,#ffffff);border-color:#e2e8f0;}

    .sdd-card p:last-child{margin-bottom:0;}

    .sdd-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .sdd-list li{margin:0 0 12px;}

    .sdd-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .sdd-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .sdd-table th,
    .sdd-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .sdd-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .sdd-table tbody tr:nth-child(even) td{background:#f8fafc;}
    .sdd-table tr:last-child td{border-bottom:0;}

    .sdd-side-layout{
      display:grid;
      grid-template-columns:minmax(270px,330px) minmax(0,1fr);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .sdd-side-card{
      position:sticky;
      top:18px;
      padding:22px;
      border-radius:24px;
      background:linear-gradient(135deg,#064e3b,#0f766e);
      color:#fff;
      box-shadow:0 18px 42px rgba(6,78,59,.18);
    }

    .sdd-side-card h3{color:#fff;}

    .sdd-side-card p,
    .sdd-side-card li{
      color:#e5e7eb;
      font-size:15px;
      line-height:1.6;
    }

    .sdd-steps{
      margin:26px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .sdd-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .sdd-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#ecfdf5;
      color:#047857;
      font-size:18px;
      font-weight:950;
    }

    .sdd-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .sdd-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .sdd-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .sdd-faq summary::-webkit-details-marker{display:none;}

    .sdd-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .sdd-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .sdd-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .sdd-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .sdd-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .sdd-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .sdd-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .sdd-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .sdd-final-form input,
    .sdd-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .sdd-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .sdd-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .sdd-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .sdd-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .sdd-refs ol{
      margin:0;
      padding-left:20px;
    }

    .sdd-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .sdd-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .sdd-author-top,
      .sdd-hero-grid,
      .sdd-stat-row,
      .sdd-grid-2,
      .sdd-grid-3,
      .sdd-side-layout,
      .sdd-steps{
        grid-template-columns:1fr;
      }

      .sdd-author-date{
        text-align:left;
        white-space:normal;
      }

      .sdd-side-card{
        position:relative;
        top:auto;
      }

      .sdd-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .sdd-stat:last-child{border-bottom:0;}
    }

    @media(max-width:640px){
      .sdd-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .sdd-page h2{font-size:28px;}

      .sdd-hero-copy{padding:24px;}

      .sdd-hero-copy h2{font-size:31px;}

      .sdd-form-col,
      .sdd-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* =============================================================
    https://loyainsurance.org/compare-high-risk-auto-insurance-rates/
    ================================================================== */
    .hra-page,
    .hra-page *{
      box-sizing:border-box;
    }

    .hra-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 58px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .hra-page p{
      margin:0 0 18px;
    }

    .hra-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
    }

    .hra-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .hra-page h3{
      margin:0 0 11px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .hra-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .hra-author-card{
      margin:18px 0 30px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .hra-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#fff7ed 0%,#ffffff 48%,#eff6ff 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .hra-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .hra-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#0f172a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .hra-author-name{
      margin:0;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .hra-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .hra-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .hra-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .hra-author-body details{
      margin:0;
    }

    .hra-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#b45309;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .hra-author-body summary::-webkit-details-marker{
      display:none;
    }

    .hra-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .hra-author-body details[open] .hra-caret{
      transform:rotate(180deg);
    }

    .hra-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .hra-author-panel p{
      margin:0 0 10px!important;
    }

    .hra-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .hra-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#9a3412;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .hra-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#0f172a;
      border:1px solid #dbeafe;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .hra-hero-grid{
      display:grid;
      grid-template-columns:minmax(0,1.06fr) minmax(360px,.94fr);
      min-height:455px;
    }

    .hra-hero-copy{
      padding:44px;
      background:
        radial-gradient(circle at 14% 12%,rgba(249,115,22,.26),transparent 34%),
        radial-gradient(circle at 92% 86%,rgba(59,130,246,.30),transparent 36%),
        linear-gradient(135deg,#0f172a 0%,#1f2937 54%,#111827 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .hra-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .hra-hero-copy h2{
      color:#fff;
      font-size:40px;
      max-width:720px;
    }

    .hra-hero-copy p{
      color:#e5eefb;
      max-width:720px;
    }

    .hra-hero-copy a{
      color:#fed7aa;
    }

    .hra-lede{
      font-size:18px;
      line-height:1.72;
    }

    .hra-hero-media{
      position:relative;
      min-height:455px;
      background:#111827;
    }

    .hra-hero-media img{
      width:100%;
      height:100%;
      min-height:455px;
      display:block;
      object-fit:cover;
    }

    .hra-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(180deg,rgba(15,23,42,.04),rgba(15,23,42,.42));
      pointer-events:none;
    }

    .hra-hero-note{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.93);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 14px 32px rgba(15,23,42,.18);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .hra-hero-note strong{
      display:block;
      color:#0f172a;
      font-size:15px;
      margin-bottom:5px;
    }

    .hra-stat-row{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .hra-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .hra-stat:nth-child(2){
      background:#eff6ff;
    }

    .hra-stat:nth-child(3){
      background:#fff7ed;
    }

    .hra-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .hra-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .hra-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .hra-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .hra-alert strong{
      color:#9a3412;
      font-weight:900;
    }

    .hra-section{
      margin:46px 0;
    }

    .hra-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .hra-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .hra-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .hra-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .hra-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .hra-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .hra-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .hra-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .hra-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .hra-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .hra-card p:last-child{
      margin-bottom:0;
    }

    .hra-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .hra-list li{
      margin:0 0 12px;
    }

    .hra-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .hra-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .hra-table th,
    .hra-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .hra-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .hra-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .hra-table tr:last-child td{
      border-bottom:0;
    }

    .hra-side-layout{
      display:grid;
      grid-template-columns:minmax(270px,330px) minmax(0,1fr);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .hra-side-card{
      position:sticky;
      top:18px;
      padding:22px;
      border-radius:24px;
      background:linear-gradient(135deg,#111827,#374151);
      color:#fff;
      box-shadow:0 18px 42px rgba(17,24,39,.18);
    }

    .hra-side-card h3{
      color:#fff;
    }

    .hra-side-card p,
    .hra-side-card li{
      color:#e5e7eb;
      font-size:15px;
      line-height:1.6;
    }

    .hra-steps{
      margin:26px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .hra-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .hra-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#fff7ed;
      color:#b45309;
      font-size:18px;
      font-weight:950;
    }

    .hra-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .hra-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .hra-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .hra-faq summary::-webkit-details-marker{
      display:none;
    }

    .hra-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .hra-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .hra-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .hra-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .hra-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .hra-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .hra-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .hra-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .hra-final-form input,
    .hra-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .hra-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .hra-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .hra-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .hra-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .hra-refs ol{
      margin:0;
      padding-left:20px;
    }

    .hra-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .hra-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .hra-author-top,
      .hra-hero-grid,
      .hra-stat-row,
      .hra-grid-2,
      .hra-grid-3,
      .hra-side-layout,
      .hra-steps{
        grid-template-columns:1fr;
      }

      .hra-author-date{
        text-align:left;
        white-space:normal;
      }

      .hra-side-card{
        position:relative;
        top:auto;
      }

      .hra-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .hra-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .hra-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .hra-page h2{
        font-size:28px;
      }

      .hra-hero-copy{
        padding:24px;
      }

      .hra-hero-copy h2{
        font-size:31px;
      }

      .hra-form-col,
      .hra-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
  /* =============================================================
   Fix global WordPress video embeds - make videos full width
   ============================================================== */

.wp-block-post-content figure.wp-block-embed,
.wp-block-post-content .wp-block-embed,
.entry-content figure.wp-block-embed,
.entry-content .wp-block-embed{
  width:100% !important;
  max-width:1120px !important;
  margin:32px auto !important;
  display:block !important;
}

.wp-block-post-content .wp-block-embed__wrapper,
.entry-content .wp-block-embed__wrapper{
  position:relative !important;
  width:100% !important;
  max-width:100% !important;
  height:0 !important;
  padding-top:56.25% !important;
  overflow:hidden !important;
  border-radius:22px !important;
  background:#0f172a !important;
  box-shadow:0 16px 38px rgba(15,23,42,.14) !important;
}

.wp-block-post-content .wp-block-embed__wrapper iframe,
.entry-content .wp-block-embed__wrapper iframe{
  position:absolute !important;
  top:0 !important;
  left:0 !important;
  width:100% !important;
  height:100% !important;
  max-width:100% !important;
  border:0 !important;
  display:block !important;
}

/* Por si el iframe está suelto y no dentro del wrapper normal de WordPress */
.wp-block-post-content iframe[src*="youtube.com"],
.wp-block-post-content iframe[src*="youtu.be"],
.wp-block-post-content iframe[src*="vimeo.com"],
.entry-content iframe[src*="youtube.com"],
.entry-content iframe[src*="youtu.be"],
.entry-content iframe[src*="vimeo.com"]{
  width:100% !important;
  max-width:1120px !important;
  aspect-ratio:16 / 9 !important;
  height:auto !important;
  min-height:420px !important;
  display:block !important;
  margin:32px auto !important;
  border:0 !important;
  border-radius:22px !important;
  box-shadow:0 16px 38px rgba(15,23,42,.14) !important;
}

@media(max-width:640px){
  .wp-block-post-content figure.wp-block-embed,
  .wp-block-post-content .wp-block-embed,
  .entry-content figure.wp-block-embed,
  .entry-content .wp-block-embed{
    margin:24px auto !important;
  }

  .wp-block-post-content iframe[src*="youtube.com"],
  .wp-block-post-content iframe[src*="youtu.be"],
  .wp-block-post-content iframe[src*="vimeo.com"],
  .entry-content iframe[src*="youtube.com"],
  .entry-content iframe[src*="youtu.be"],
  .entry-content iframe[src*="vimeo.com"]{
    min-height:220px !important;
    border-radius:16px !important;
  }
}

/* ====================================================================
https://loyainsurance.org/how-driving-violations-affect-high-risk-auto-insurance/
================================================================ */
 .dvi-page,
    .dvi-page *{
      box-sizing:border-box;
    }

    .dvi-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 58px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .dvi-page p{
      margin:0 0 18px;
    }

    .dvi-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
      font-weight:750;
    }

    .dvi-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .dvi-page h3{
      margin:0 0 11px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .dvi-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .dvi-author-card{
      margin:18px 0 30px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .dvi-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#fff7ed 0%,#ffffff 48%,#eff6ff 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .dvi-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .dvi-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#0f172a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .dvi-author-name{
      margin:0;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .dvi-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .dvi-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .dvi-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .dvi-author-body details{
      margin:0;
    }

    .dvi-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#b45309;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .dvi-author-body summary::-webkit-details-marker{
      display:none;
    }

    .dvi-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .dvi-author-body details[open] .dvi-caret{
      transform:rotate(180deg);
    }

    .dvi-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .dvi-author-panel p{
      margin:0 0 10px!important;
    }

    .dvi-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .dvi-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#9a3412;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .dvi-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#0f172a;
      border:1px solid #dbeafe;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .dvi-hero-grid{
      display:grid;
      grid-template-columns:minmax(0,1.06fr) minmax(360px,.94fr);
      min-height:455px;
    }

    .dvi-hero-copy{
      padding:44px;
      background:
        radial-gradient(circle at 14% 12%,rgba(249,115,22,.26),transparent 34%),
        radial-gradient(circle at 92% 86%,rgba(59,130,246,.30),transparent 36%),
        linear-gradient(135deg,#0f172a 0%,#1f2937 54%,#111827 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .dvi-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .dvi-hero-title{
      margin:0 0 16px;
      color:#fff;
      font-size:40px;
      line-height:1.1;
      font-weight:950;
      letter-spacing:-.035em;
      max-width:720px;
    }

    .dvi-hero-copy p{
      color:#e5eefb;
      max-width:720px;
    }

    .dvi-hero-copy a{
      color:#fed7aa;
    }

    .dvi-lede{
      font-size:18px;
      line-height:1.72;
    }

    .dvi-hero-media{
      position:relative;
      min-height:455px;
      background:#111827;
    }

    .dvi-hero-media img{
      width:100%;
      height:100%;
      min-height:455px;
      display:block;
      object-fit:cover;
    }

    .dvi-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(180deg,rgba(15,23,42,.04),rgba(15,23,42,.42));
      pointer-events:none;
    }

    .dvi-hero-note{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.94);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 14px 32px rgba(15,23,42,.18);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .dvi-hero-note strong{
      display:block;
      color:#0f172a;
      font-size:15px;
      margin-bottom:5px;
    }

    .dvi-stat-row{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .dvi-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .dvi-stat:nth-child(2){
      background:#eff6ff;
    }

    .dvi-stat:nth-child(3){
      background:#fff7ed;
    }

    .dvi-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .dvi-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .dvi-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .dvi-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .dvi-alert strong{
      color:#9a3412;
      font-weight:900;
    }

    .dvi-section{
      margin:46px 0;
    }

    .dvi-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .dvi-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .dvi-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .dvi-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .dvi-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .dvi-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .dvi-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .dvi-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .dvi-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .dvi-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .dvi-card p:last-child{
      margin-bottom:0;
    }

    .dvi-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .dvi-list li{
      margin:0 0 12px;
    }

    .dvi-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .dvi-table{
      width:100%;
      border-collapse:collapse;
      min-width:820px;
      background:#fff;
    }

    .dvi-table th,
    .dvi-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .dvi-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .dvi-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .dvi-table tr:last-child td{
      border-bottom:0;
    }

    .dvi-impact-tag{
      display:inline-flex;
      padding:5px 10px;
      border-radius:999px;
      font-size:12px;
      line-height:1;
      font-weight:900;
      white-space:nowrap;
    }

    .dvi-impact-low{
      color:#166534;
      background:#dcfce7;
      border:1px solid #bbf7d0;
    }

    .dvi-impact-medium{
      color:#9a3412;
      background:#ffedd5;
      border:1px solid #fed7aa;
    }

    .dvi-impact-high{
      color:#991b1b;
      background:#fee2e2;
      border:1px solid #fecaca;
    }

    .dvi-side-layout{
      display:grid;
      grid-template-columns:minmax(270px,330px) minmax(0,1fr);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .dvi-side-card{
      position:sticky;
      top:18px;
      padding:22px;
      border-radius:24px;
      background:linear-gradient(135deg,#111827,#374151);
      color:#fff;
      box-shadow:0 18px 42px rgba(17,24,39,.18);
    }

    .dvi-side-card h3{
      color:#fff;
    }

    .dvi-side-card p,
    .dvi-side-card li{
      color:#e5e7eb;
      font-size:15px;
      line-height:1.6;
    }

    .dvi-steps{
      margin:26px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .dvi-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .dvi-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#fff7ed;
      color:#b45309;
      font-size:18px;
      font-weight:950;
    }

    .dvi-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .dvi-timeline{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
      margin:24px 0 0;
    }

    .dvi-timebox{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .dvi-timebox strong{
      display:block;
      color:#0f172a;
      font-size:16px;
      line-height:1.25;
      margin:0 0 8px;
    }

    .dvi-timebox p{
      color:#475569;
      font-size:15px;
      line-height:1.58;
      margin:0;
    }

    .dvi-infographic{
      margin:26px 0 0;
      padding:22px;
      border-radius:26px;
      background:linear-gradient(135deg,#111827 0%,#1f2937 56%,#7c2d12 100%);
      color:#fff;
      box-shadow:0 20px 46px rgba(15,23,42,.16);
    }

    .dvi-infographic h3{
      color:#fff;
      margin-bottom:14px;
    }

    .dvi-mini-grid{
      display:grid;
      grid-template-columns:repeat(5,minmax(0,1fr));
      gap:12px;
    }

    .dvi-mini{
      min-height:132px;
      padding:16px;
      border-radius:18px;
      background:rgba(255,255,255,.1);
      border:1px solid rgba(255,255,255,.16);
    }

    .dvi-mini strong{
      display:block;
      color:#fff;
      font-size:15px;
      line-height:1.25;
      margin:0 0 8px;
    }

    .dvi-mini span{
      display:block;
      color:#e5e7eb;
      font-size:13px;
      line-height:1.45;
    }

    .dvi-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .dvi-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .dvi-faq summary::-webkit-details-marker{
      display:none;
    }

    .dvi-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .dvi-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .dvi-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .dvi-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .dvi-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .dvi-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .dvi-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .dvi-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .dvi-final-form input,
    .dvi-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .dvi-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .dvi-final-form button:hover{
      background:#b91c1c;
    }

    .dvi-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .dvi-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .dvi-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .dvi-refs ol{
      margin:0;
      padding-left:20px;
    }

    .dvi-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .dvi-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .dvi-author-top,
      .dvi-hero-grid,
      .dvi-stat-row,
      .dvi-grid-2,
      .dvi-grid-3,
      .dvi-side-layout,
      .dvi-steps,
      .dvi-timeline,
      .dvi-mini-grid{
        grid-template-columns:1fr;
      }

      .dvi-author-date{
        text-align:left;
        white-space:normal;
      }

      .dvi-side-card{
        position:relative;
        top:auto;
      }

      .dvi-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .dvi-stat:last-child{
        border-bottom:0;
      }

      .dvi-mini{
        min-height:auto;
      }
    }

    @media(max-width:640px){
      .dvi-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .dvi-page h2{
        font-size:28px;
      }

      .dvi-hero-copy{
        padding:24px;
      }

      .dvi-hero-title{
        font-size:31px;
      }

      .dvi-form-col,
      .dvi-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* ================================================================
    https://loyainsurance.org/hidden-costs-auto-insurance/
    =========================================================== */
    .hcl-page,
    .hcl-page *{
      box-sizing:border-box;
    }

    .hcl-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 58px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .hcl-page p{
      margin:0 0 18px;
    }

    .hcl-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
    }

    .hcl-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .hcl-page h3{
      margin:0 0 11px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .hcl-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .hcl-author-card{
      margin:18px 0 30px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .hcl-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#eff6ff 0%,#ffffff 48%,#fff7ed 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .hcl-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .hcl-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#0f172a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .hcl-author-name{
      margin:0;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .hcl-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .hcl-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .hcl-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .hcl-author-body details{
      margin:0;
    }

    .hcl-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#b45309;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .hcl-author-body summary::-webkit-details-marker{
      display:none;
    }

    .hcl-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .hcl-author-body details[open] .hcl-caret{
      transform:rotate(180deg);
    }

    .hcl-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .hcl-author-panel p{
      margin:0 0 10px!important;
    }

    .hcl-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .hcl-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#9a3412;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .hcl-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#0f172a;
      border:1px solid #dbeafe;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .hcl-hero-grid{
      display:grid;
      grid-template-columns:minmax(0,1.05fr) minmax(360px,.95fr);
      min-height:455px;
    }

    .hcl-hero-copy{
      padding:44px;
      background:
        radial-gradient(circle at 14% 12%,rgba(249,115,22,.26),transparent 34%),
        radial-gradient(circle at 92% 86%,rgba(59,130,246,.30),transparent 36%),
        linear-gradient(135deg,#0f172a 0%,#1f2937 54%,#111827 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .hcl-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .hcl-hero-copy h2{
      color:#fff;
      font-size:40px;
      max-width:720px;
    }

    .hcl-hero-copy p{
      color:#e5eefb;
      max-width:720px;
    }

    .hcl-hero-copy a{
      color:#fed7aa;
    }

    .hcl-lede{
      font-size:18px;
      line-height:1.72;
    }

    .hcl-hero-media{
      position:relative;
      min-height:455px;
      background:#111827;
    }

    .hcl-hero-media img{
      width:100%;
      height:100%;
      min-height:455px;
      display:block;
      object-fit:cover;
    }

    .hcl-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(180deg,rgba(15,23,42,.04),rgba(15,23,42,.42));
      pointer-events:none;
    }

    .hcl-hero-note{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.93);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 14px 32px rgba(15,23,42,.18);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .hcl-hero-note strong{
      display:block;
      color:#0f172a;
      font-size:15px;
      margin-bottom:5px;
    }

    .hcl-stat-row{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .hcl-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .hcl-stat:nth-child(2){
      background:#eff6ff;
    }

    .hcl-stat:nth-child(3){
      background:#fff7ed;
    }

    .hcl-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .hcl-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .hcl-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .hcl-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .hcl-alert strong{
      color:#9a3412;
      font-weight:900;
    }

    .hcl-section{
      margin:46px 0;
    }

    .hcl-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .hcl-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .hcl-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .hcl-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .hcl-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .hcl-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .hcl-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .hcl-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .hcl-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .hcl-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .hcl-card p:last-child{
      margin-bottom:0;
    }

    .hcl-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .hcl-list li{
      margin:0 0 12px;
    }

    .hcl-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .hcl-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .hcl-table th,
    .hcl-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .hcl-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .hcl-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .hcl-table tr:last-child td{
      border-bottom:0;
    }

    .hcl-side-layout{
      display:grid;
      grid-template-columns:minmax(270px,330px) minmax(0,1fr);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .hcl-side-card{
      position:sticky;
      top:18px;
      padding:22px;
      border-radius:24px;
      background:linear-gradient(135deg,#111827,#374151);
      color:#fff;
      box-shadow:0 18px 42px rgba(17,24,39,.18);
    }

    .hcl-side-card h3{
      color:#fff;
    }

    .hcl-side-card p,
    .hcl-side-card li{
      color:#e5e7eb;
      font-size:15px;
      line-height:1.6;
    }

    .hcl-steps{
      margin:26px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .hcl-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .hcl-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#fff7ed;
      color:#b45309;
      font-size:18px;
      font-weight:950;
    }

    .hcl-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .hcl-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .hcl-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .hcl-faq summary::-webkit-details-marker{
      display:none;
    }

    .hcl-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .hcl-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .hcl-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .hcl-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .hcl-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .hcl-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .hcl-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .hcl-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .hcl-final-form input,
    .hcl-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .hcl-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .hcl-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .hcl-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .hcl-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .hcl-refs ol{
      margin:0;
      padding-left:20px;
    }

    .hcl-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .hcl-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .hcl-author-top,
      .hcl-hero-grid,
      .hcl-stat-row,
      .hcl-grid-2,
      .hcl-grid-3,
      .hcl-side-layout,
      .hcl-steps{
        grid-template-columns:1fr;
      }

      .hcl-author-date{
        text-align:left;
        white-space:normal;
      }

      .hcl-side-card{
        position:relative;
        top:auto;
      }

      .hcl-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .hcl-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .hcl-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .hcl-page h2{
        font-size:28px;
      }

      .hcl-hero-copy{
        padding:24px;
      }

      .hcl-hero-copy h2{
        font-size:31px;
      }

      .hcl-form-col,
      .hcl-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* ===========================================================
    https://loyainsurance.org/lower-car-insurance-clean-driving-record/
    ==================================================================== */
    .cdr-page,
    .cdr-page *{
      box-sizing:border-box;
    }

    .cdr-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 58px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .cdr-page p{
      margin:0 0 18px;
    }

    .cdr-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
    }

    .cdr-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .cdr-page h3{
      margin:0 0 11px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .cdr-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .cdr-author-card{
      margin:18px 0 30px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .cdr-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#ecfdf5 0%,#ffffff 46%,#eff6ff 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .cdr-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .cdr-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#0f172a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .cdr-author-name{
      margin:0;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .cdr-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .cdr-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .cdr-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .cdr-author-body details{
      margin:0;
    }

    .cdr-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#b45309;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .cdr-author-body summary::-webkit-details-marker{
      display:none;
    }

    .cdr-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .cdr-author-body details[open] .cdr-caret{
      transform:rotate(180deg);
    }

    .cdr-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .cdr-author-panel p{
      margin:0 0 10px!important;
    }

    .cdr-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .cdr-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#ecfdf5;
      border:1px solid #bbf7d0;
      color:#166534;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .cdr-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#0f172a;
      border:1px solid #dbeafe;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .cdr-hero-grid{
      display:grid;
      grid-template-columns:minmax(360px,.96fr) minmax(0,1.04fr);
      min-height:455px;
    }

    .cdr-hero-media{
      position:relative;
      min-height:455px;
      background:#111827;
    }

    .cdr-hero-media img{
      width:100%;
      height:100%;
      min-height:455px;
      display:block;
      object-fit:cover;
    }

    .cdr-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(180deg,rgba(15,23,42,.04),rgba(15,23,42,.42));
      pointer-events:none;
    }

    .cdr-hero-note{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.93);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 14px 32px rgba(15,23,42,.18);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .cdr-hero-note strong{
      display:block;
      color:#0f172a;
      font-size:15px;
      margin-bottom:5px;
    }

    .cdr-hero-copy{
      padding:44px;
      background:
        radial-gradient(circle at 88% 14%,rgba(34,197,94,.25),transparent 34%),
        radial-gradient(circle at 12% 88%,rgba(59,130,246,.28),transparent 36%),
        linear-gradient(135deg,#0f172a 0%,#1f2937 54%,#111827 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .cdr-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .cdr-hero-copy h2{
      color:#fff;
      font-size:40px;
      max-width:720px;
    }

    .cdr-hero-copy p{
      color:#e5eefb;
      max-width:720px;
    }

    .cdr-hero-copy a{
      color:#bbf7d0;
    }

    .cdr-lede{
      font-size:18px;
      line-height:1.72;
    }

    .cdr-stat-row{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .cdr-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .cdr-stat:nth-child(2){
      background:#eff6ff;
    }

    .cdr-stat:nth-child(3){
      background:#fff7ed;
    }

    .cdr-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .cdr-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .cdr-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .cdr-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#ecfdf5;
      border:1px solid #bbf7d0;
      color:#14532d;
      box-shadow:0 12px 30px rgba(20,83,45,.055);
    }

    .cdr-alert strong{
      color:#166534;
      font-weight:900;
    }

    .cdr-section{
      margin:46px 0;
    }

    .cdr-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .cdr-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .cdr-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .cdr-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .cdr-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .cdr-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .cdr-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .cdr-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .cdr-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .cdr-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .cdr-card p:last-child{
      margin-bottom:0;
    }

    .cdr-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .cdr-list li{
      margin:0 0 12px;
    }

    .cdr-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .cdr-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .cdr-table th,
    .cdr-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .cdr-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .cdr-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .cdr-table tr:last-child td{
      border-bottom:0;
    }

    .cdr-side-layout{
      display:grid;
      grid-template-columns:minmax(270px,330px) minmax(0,1fr);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .cdr-side-card{
      position:sticky;
      top:18px;
      padding:22px;
      border-radius:24px;
      background:linear-gradient(135deg,#064e3b,#0f766e);
      color:#fff;
      box-shadow:0 18px 42px rgba(6,78,59,.18);
    }

    .cdr-side-card h3{
      color:#fff;
    }

    .cdr-side-card p,
    .cdr-side-card li{
      color:#e5e7eb;
      font-size:15px;
      line-height:1.6;
    }

    .cdr-steps{
      margin:26px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .cdr-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .cdr-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#ecfdf5;
      color:#047857;
      font-size:18px;
      font-weight:950;
    }

    .cdr-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .cdr-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .cdr-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .cdr-faq summary::-webkit-details-marker{
      display:none;
    }

    .cdr-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .cdr-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .cdr-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .cdr-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .cdr-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .cdr-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .cdr-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .cdr-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .cdr-final-form input,
    .cdr-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .cdr-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .cdr-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .cdr-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .cdr-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .cdr-refs ol{
      margin:0;
      padding-left:20px;
    }

    .cdr-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .cdr-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .cdr-author-top,
      .cdr-hero-grid,
      .cdr-stat-row,
      .cdr-grid-2,
      .cdr-grid-3,
      .cdr-side-layout,
      .cdr-steps{
        grid-template-columns:1fr;
      }

      .cdr-author-date{
        text-align:left;
        white-space:normal;
      }

      .cdr-side-card{
        position:relative;
        top:auto;
      }

      .cdr-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .cdr-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .cdr-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .cdr-page h2{
        font-size:28px;
      }

      .cdr-hero-copy{
        padding:24px;
      }

      .cdr-hero-copy h2{
        font-size:31px;
      }

      .cdr-form-col,
      .cdr-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* ==========================================================
    https://loyainsurance.org/uninsured-motorist-coverage-high-risk-areas/
    ====================================================================== */
    .umr-page,
    .umr-page *{
      box-sizing:border-box;
    }

    .umr-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 58px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .umr-page p{
      margin:0 0 18px;
    }

    .umr-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
    }

    .umr-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .umr-page h3{
      margin:0 0 10px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .umr-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .umr-author-card{
      margin:18px 0 30px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .umr-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#fff7ed 0%,#ffffff 48%,#eff6ff 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .umr-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .umr-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#7c2d12;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .umr-author-name{
      margin:0;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .umr-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .umr-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .umr-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .umr-author-body details{
      margin:0;
    }

    .umr-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#b45309;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .umr-author-body summary::-webkit-details-marker{
      display:none;
    }

    .umr-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .umr-author-body details[open] .umr-caret{
      transform:rotate(180deg);
    }

    .umr-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .umr-author-panel p{
      margin:0 0 10px!important;
    }

    .umr-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .umr-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#9a3412;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .umr-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#111827;
      border:1px solid #fed7aa;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .umr-hero-inner{
      display:grid;
      grid-template-columns:minmax(0,1fr) minmax(330px,.72fr);
      min-height:485px;
    }

    .umr-hero-copy{
      padding:46px;
      background:
        radial-gradient(circle at 15% 20%,rgba(251,146,60,.24),transparent 35%),
        radial-gradient(circle at 90% 88%,rgba(59,130,246,.22),transparent 38%),
        linear-gradient(135deg,#111827 0%,#1f2937 52%,#431407 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .umr-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .umr-hero-copy h2{
      color:#fff;
      font-size:42px;
      max-width:760px;
    }

    .umr-hero-copy p{
      color:#f8fafc;
      max-width:760px;
    }

    .umr-hero-copy a{
      color:#fed7aa;
    }

    .umr-lede{
      font-size:18px;
      line-height:1.75;
    }

    .umr-hero-media{
      position:relative;
      min-height:485px;
      background:#111827;
    }

    .umr-hero-media img{
      width:100%;
      height:100%;
      min-height:485px;
      display:block;
      object-fit:cover;
    }

    .umr-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(180deg,rgba(15,23,42,.04),rgba(15,23,42,.46));
      pointer-events:none;
    }

    .umr-hero-badge{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.94);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 14px 32px rgba(15,23,42,.18);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .umr-hero-badge strong{
      display:block;
      color:#0f172a;
      font-size:15px;
      margin-bottom:5px;
    }

    .umr-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .umr-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .umr-stat:nth-child(2){
      background:#eff6ff;
    }

    .umr-stat:nth-child(3){
      background:#fff7ed;
    }

    .umr-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .umr-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .umr-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .umr-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .umr-alert strong{
      color:#9a3412;
      font-weight:900;
    }

    .umr-section{
      margin:46px 0;
    }

    .umr-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .umr-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .umr-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .umr-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .umr-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .umr-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .umr-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .umr-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .umr-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .umr-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .umr-card p:last-child{
      margin-bottom:0;
    }

    .umr-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .umr-list li{
      margin:0 0 12px;
    }

    .umr-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .umr-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .umr-table th,
    .umr-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .umr-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .umr-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .umr-table tr:last-child td{
      border-bottom:0;
    }

    .umr-split-feature{
      display:grid;
      grid-template-columns:minmax(0,1fr) minmax(280px,360px);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .umr-side-note{
      padding:22px;
      border-radius:24px;
      background:linear-gradient(135deg,#7c2d12,#b45309);
      color:#fff;
      box-shadow:0 18px 42px rgba(124,45,18,.18);
    }

    .umr-side-note h3{
      color:#fff;
    }

    .umr-side-note p,
    .umr-side-note li{
      color:#ffedd5;
      font-size:15px;
      line-height:1.6;
    }

    .umr-checklist{
      margin:0;
      padding-left:20px;
    }

    .umr-checklist li{
      margin:0 0 10px;
    }

    .umr-video{
      margin:34px auto 0;
      max-width:900px;
      border-radius:24px;
      overflow:hidden;
      box-shadow:0 18px 42px rgba(15,23,42,.12);
      border:1px solid #e5e7eb;
      background:#111827;
    }

    .umr-video iframe{
      width:100%;
      aspect-ratio:16/9;
      height:auto;
      display:block;
      border:0;
    }

    .umr-video-caption{
      padding:14px 18px;
      background:#fff7ed;
      color:#7c2d12;
      font-size:14px;
      line-height:1.55;
      border-top:1px solid #fed7aa;
    }

    .umr-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .umr-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .umr-faq summary::-webkit-details-marker{
      display:none;
    }

    .umr-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .umr-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .umr-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .umr-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .umr-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .umr-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .umr-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .umr-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .umr-final-form input,
    .umr-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .umr-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .umr-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .umr-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .umr-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .umr-refs ol{
      margin:0;
      padding-left:20px;
    }

    .umr-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .umr-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .umr-author-top,
      .umr-hero-inner,
      .umr-stat-strip,
      .umr-grid-2,
      .umr-grid-3,
      .umr-split-feature{
        grid-template-columns:1fr;
      }

      .umr-author-date{
        text-align:left;
        white-space:normal;
      }

      .umr-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .umr-stat:last-child{
        border-bottom:0;
      }

      .umr-hero-media{
        order:-1;
      }
    }

    @media(max-width:640px){
      .umr-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .umr-page h2{
        font-size:28px;
      }

      .umr-hero-copy{
        padding:24px;
      }

      .umr-hero-copy h2{
        font-size:31px;
      }

      .umr-form-col,
      .umr-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* ============================================================
    https://loyainsurance.org/get-uninsured-motorist-coverage-quote/
    ================================================================ */
    .loya-um-page,
.loya-um-page *{
  box-sizing:border-box;
}

.loya-um-page{
  max-width:1160px;
  margin:0 auto;
  padding:0 24px 46px;
  color:#0f172a;
  font-size:17px;
  line-height:1.72;
}

.loya-um-page p{
  margin:0 0 18px;
}

.loya-um-page h2{
  font-size:34px;
  line-height:1.15;
  margin:0 0 18px;
  color:#082044;
  font-weight:900;
  letter-spacing:-.02em;
}

.loya-um-page h3{
  font-size:23px;
  line-height:1.2;
  margin:0 0 12px;
  color:#082044;
  font-weight:850;
}

.loya-um-page a{
  color:#0b67ae;
  text-decoration:underline;
  text-underline-offset:2px;
  font-weight:750;
}

.loya-um-author-card{
  margin:16px 0 28px;
  padding:18px 20px;
  border:1px solid #e2e8f0;
  border-radius:18px;
  background:linear-gradient(135deg,#f8fafc,#ffffff);
  box-shadow:0 10px 30px rgba(15,23,42,.05);
}

.loya-um-author-top{
  display:flex;
  justify-content:space-between;
  gap:16px;
  align-items:flex-start;
  flex-wrap:wrap;
}

.loya-um-author-left{
  display:flex;
  gap:14px;
  align-items:flex-start;
  min-width:0;
  flex:1 1 auto;
}

.loya-um-author-photo{
  width:56px;
  height:56px;
  flex:0 0 56px;
  border-radius:999px;
  overflow:hidden;
  background:#082044;
  box-shadow:0 10px 20px rgba(8,32,68,.18);
}

.loya-um-author-photo img{
  width:100%;
  height:100%;
  object-fit:cover;
  display:block;
  border-radius:999px;
}

.loya-um-author-name{
  font-size:18px;
  font-weight:850;
  color:#082044;
  line-height:1.25;
  margin:0 0 4px;
}

.loya-um-author-role{
  font-size:14px;
  color:#64748b;
  margin:0 0 6px!important;
}

.loya-um-author-date{
  font-size:13px;
  color:#64748b;
  line-height:1.45;
  text-align:right;
  font-style:italic;
}

.loya-um-author-dropdown{
  margin-top:6px;
}

.loya-um-author-dropdown summary{
  cursor:pointer;
  display:inline-flex;
  align-items:center;
  gap:6px;
  color:#0b67ae;
  font-size:13px;
  font-weight:850;
  list-style:none;
  user-select:none;
}

.loya-um-author-dropdown summary::-webkit-details-marker{
  display:none;
}

.loya-um-author-caret{
  display:inline-block;
  transition:transform .2s ease;
  font-size:12px;
  line-height:1;
}

.loya-um-author-dropdown[open] .loya-um-author-caret{
  transform:rotate(180deg);
}

.loya-um-author-dropdown-content{
  margin-top:10px;
  padding:12px 14px;
  border-radius:14px;
  background:#fff;
  border:1px solid #e2e8f0;
  color:#475569;
  font-size:14px;
  line-height:1.6;
  max-width:760px;
}

.loya-um-author-dropdown-content p{
  margin:0 0 10px!important;
}

.loya-um-author-dropdown-content p:last-child{
  margin-bottom:0!important;
}

.loya-um-intro-grid{
  display:grid;
  grid-template-columns:minmax(0,1.06fr) minmax(320px,.94fr);
  gap:30px;
  align-items:center;
  margin:0 0 36px;
}

.loya-um-eyebrow{
  display:inline-flex;
  align-items:center;
  padding:8px 14px;
  border-radius:999px;
  background:#eaf3ff;
  color:#0b67ae;
  font-size:13px;
  font-weight:850;
  letter-spacing:.03em;
  text-transform:uppercase;
  margin:0 0 18px;
}

.loya-um-image-card{
  background:#fff;
  border:1px solid #e5e7eb;
  border-radius:26px;
  padding:14px;
  box-shadow:0 18px 44px rgba(15,23,42,.08);
}

.loya-um-image-card img{
  display:block;
  width:100%;
  height:auto;
  border-radius:20px;
}

.loya-um-cards{
  display:grid;
  grid-template-columns:repeat(3,minmax(0,1fr));
  gap:20px;
  margin:0 0 38px;
}

.loya-um-card{
  background:#fff;
  border:1px solid #e5e7eb;
  border-radius:22px;
  padding:22px;
  box-shadow:0 14px 34px rgba(15,23,42,.06);
  height:100%;
}

.loya-um-card.blue{
  background:linear-gradient(135deg,#eff6ff,#fff);
  border-color:#bfdbfe;
}

.loya-um-card.green{
  background:linear-gradient(135deg,#ecfdf5,#fff);
  border-color:#bbf7d0;
}

.loya-um-card.orange{
  background:linear-gradient(135deg,#fff7ed,#fff);
  border-color:#fed7aa;
}

.loya-um-card.purple{
  background:linear-gradient(135deg,#f5f3ff,#fff);
  border-color:#ddd6fe;
}

.loya-um-card.red{
  background:linear-gradient(135deg,#fef2f2,#fff);
  border-color:#fecaca;
}

.loya-um-card p:last-child{
  margin-bottom:0;
}

.loya-um-section{
  margin:42px 0;
}

.loya-um-table-wrap{
  margin:24px 0 30px;
  overflow-x:auto;
  border:1px solid #e5e7eb;
  border-radius:22px;
  background:#fff;
  box-shadow:0 16px 36px rgba(15,23,42,.05);
}

.loya-um-table{
  width:100%;
  border-collapse:collapse;
  min-width:760px;
}

.loya-um-table th,
.loya-um-table td{
  padding:16px 18px;
  text-align:left;
  vertical-align:top;
  border-bottom:1px solid #e5e7eb;
  font-size:15px;
  line-height:1.55;
}

.loya-um-table th{
  background:#082044;
  color:#fff;
  font-size:14px;
  text-transform:uppercase;
  letter-spacing:.04em;
  font-weight:850;
}

.loya-um-table tr:last-child td{
  border-bottom:0;
}

.loya-um-two-col{
  display:grid;
  grid-template-columns:repeat(2,minmax(0,1fr));
  gap:22px;
  margin:22px 0 0;
}

.loya-um-checklist,
.loya-um-numbered{
  margin:0 0 20px;
  padding-left:22px;
}

.loya-um-checklist li,
.loya-um-numbered li{
  margin:0 0 12px;
}

.loya-um-soft-note{
  margin:38px 0 24px;
  padding:16px 18px;
  border-radius:16px;
  background:#f8fafc;
  border:1px solid #e5e7eb;
  color:#475569;
  font-size:14px;
  line-height:1.6;
}

.loya-um-soft-note strong{
  color:#082044;
  font-weight:850;
}

.loya-um-faq{
  margin-top:22px;
}

.loya-um-faq details{
  margin:0 0 12px;
  padding:17px 19px;
  border-radius:16px;
  background:#fff;
  border:1px solid #e5e7eb;
  box-shadow:0 10px 26px rgba(15,23,42,.04);
}

.loya-um-faq summary{
  cursor:pointer;
  color:#0f172a;
  font-weight:850;
  list-style:none;
}

.loya-um-faq summary::-webkit-details-marker{
  display:none;
}

.loya-um-faq p{
  margin:12px 0 0!important;
  color:#475569;
  font-size:15px;
  line-height:1.6;
}

.loya-um-cta{
  margin:42px auto 10px;
  max-width:760px;
  background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
  border-radius:22px;
  padding:22px 22px 20px;
  box-shadow:0 16px 38px rgba(10,20,40,.20);
  color:#fff;
}

.loya-um-cta-title{
  display:block;
  color:#fff!important;
  font-size:28px;
  line-height:1.1;
  font-weight:900;
  margin:0 0 8px;
  text-align:center;
}

.loya-um-cta-text{
  display:block;
  color:#e2e8f0!important;
  font-size:15px;
  line-height:1.55;
  font-weight:500;
  margin:0 0 14px;
  text-align:center;
}

.loya-um-cta-form{
  display:flex;
  gap:10px;
  align-items:center;
  justify-content:center;
  flex-wrap:wrap;
  margin:0;
  padding:0;
  width:100%;
}

.loya-um-cta-input{
  flex:0 1 190px;
  min-width:190px;
  max-width:190px;
  width:100%;
  height:46px;
  display:block;
  margin:0;
  padding:0 12px;
  border:none;
  border-radius:12px;
  background:#f3f4f6;
  color:#24324a;
  font-size:15px;
  line-height:46px;
  box-shadow:none;
  outline:none;
}

.loya-um-cta-btn{
  min-width:150px;
  height:46px;
  display:inline-flex;
  align-items:center;
  justify-content:center;
  border:none;
  border-radius:12px;
  background:#dc2626;
  color:#fff!important;
  font-size:15px;
  line-height:1;
  font-weight:850;
  text-align:center;
  padding:0 18px;
  cursor:pointer;
  -webkit-text-fill-color:#fff;
}

.loya-um-refs{
  margin-top:34px;
  padding-top:24px;
  border-top:1px solid #e5e7eb;
}

.loya-um-refs h3{
  font-size:22px;
  margin-bottom:12px;
}

.loya-um-refs ol{
  margin:0;
  padding-left:20px;
}

.loya-um-refs li{
  margin:0 0 10px;
  color:#334155;
  font-size:15px;
  line-height:1.6;
}

.loya-um-ref-back{
  margin-left:6px;
  white-space:nowrap;
  text-decoration:none!important;
  font-weight:850;
}

@media(max-width:980px){
  .loya-um-intro-grid,
  .loya-um-cards,
  .loya-um-two-col{
    grid-template-columns:1fr;
  }

  .loya-um-author-date{
    text-align:left;
  }
}

@media(max-width:620px){
  .loya-um-page{
    padding:0 16px 42px;
  }

  .loya-um-author-left{
    display:block;
  }

  .loya-um-author-photo{
    margin-bottom:12px;
  }

  .loya-um-cta-form{
    display:block;
  }

  .loya-um-cta-input,
  .loya-um-cta-btn{
    width:100%;
    max-width:none;
    min-width:0;
  }

  .loya-um-cta-btn{
    margin-top:10px;
  }
}

/* ================================================================
https://loyainsurance.org/affordable-loya-auto-insurance-first-time-drivers/
=================================================================== */
.ftd-page,
    .ftd-page *{
      box-sizing:border-box;
    }

    .ftd-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 58px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .ftd-page p{
      margin:0 0 18px;
    }

    .ftd-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
    }

    .ftd-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .ftd-page h3{
      margin:0 0 10px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .ftd-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .ftd-author-card{
      margin:18px 0 30px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .ftd-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#eff6ff 0%,#ffffff 48%,#fff7ed 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .ftd-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .ftd-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#1e3a8a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .ftd-author-name{
      margin:0;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .ftd-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .ftd-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .ftd-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .ftd-author-body details{
      margin:0;
    }

    .ftd-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#b45309;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .ftd-author-body summary::-webkit-details-marker{
      display:none;
    }

    .ftd-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .ftd-author-body details[open] .ftd-caret{
      transform:rotate(180deg);
    }

    .ftd-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .ftd-author-panel p{
      margin:0 0 10px!important;
    }

    .ftd-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .ftd-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#eff6ff;
      border:1px solid #bfdbfe;
      color:#1e3a8a;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .ftd-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      border:1px solid #dbeafe;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
      background:#0f172a;
    }

    .ftd-hero-media{
      position:relative;
      min-height:420px;
      background:#111827;
    }

    .ftd-hero-media img{
      width:100%;
      height:420px;
      display:block;
      object-fit:cover;
    }

    .ftd-hero-overlay{
      position:absolute;
      inset:0;
      background:
        linear-gradient(90deg,rgba(15,23,42,.90) 0%,rgba(15,23,42,.70) 48%,rgba(15,23,42,.25) 100%);
      z-index:1;
    }

    .ftd-hero-card{
      position:absolute;
      z-index:2;
      left:34px;
      top:50%;
      transform:translateY(-50%);
      width:min(620px,calc(100% - 68px));
      padding:34px;
      border-radius:26px;
      background:rgba(255,255,255,.12);
      border:1px solid rgba(255,255,255,.24);
      box-shadow:0 24px 60px rgba(0,0,0,.22);
      backdrop-filter:blur(14px);
      -webkit-backdrop-filter:blur(14px);
      color:#fff;
    }

    .ftd-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 16px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.16);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .ftd-hero-card h2{
      color:#fff;
      font-size:42px;
      max-width:720px;
    }

    .ftd-hero-card p{
      color:#e5eefb;
      max-width:720px;
    }

    .ftd-hero-card a{
      color:#fed7aa;
    }

    .ftd-lede{
      font-size:18px;
      line-height:1.75;
    }

    .ftd-stat-bar{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .ftd-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .ftd-stat:nth-child(2){
      background:#eff6ff;
    }

    .ftd-stat:nth-child(3){
      background:#fff7ed;
    }

    .ftd-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .ftd-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .ftd-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .ftd-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#eff6ff;
      border:1px solid #bfdbfe;
      color:#1e3a8a;
      box-shadow:0 12px 30px rgba(30,58,138,.055);
    }

    .ftd-alert strong{
      color:#1d4ed8;
      font-weight:900;
    }

    .ftd-section{
      margin:46px 0;
    }

    .ftd-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .ftd-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .ftd-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .ftd-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .ftd-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .ftd-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .ftd-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .ftd-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .ftd-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .ftd-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .ftd-card p:last-child{
      margin-bottom:0;
    }

    .ftd-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .ftd-list li{
      margin:0 0 12px;
    }

    .ftd-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .ftd-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .ftd-table th,
    .ftd-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .ftd-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .ftd-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .ftd-table tr:last-child td{
      border-bottom:0;
    }

    .ftd-side-layout{
      display:grid;
      grid-template-columns:minmax(280px,360px) minmax(0,1fr);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .ftd-side-card{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#1e3a8a,#0f172a);
      color:#fff;
      box-shadow:0 18px 42px rgba(30,58,138,.18);
    }

    .ftd-side-card h3{
      color:#fff;
    }

    .ftd-side-card p,
    .ftd-side-card li{
      color:#e5e7eb;
      font-size:15px;
      line-height:1.6;
    }

    .ftd-video{
      margin:34px auto 0;
      max-width:900px;
      border-radius:24px;
      overflow:hidden;
      box-shadow:0 18px 42px rgba(15,23,42,.12);
      border:1px solid #e5e7eb;
      background:#111827;
    }

    .ftd-video iframe{
      width:100%;
      aspect-ratio:16/9;
      height:auto;
      display:block;
      border:0;
    }

    .ftd-video-caption{
      padding:14px 18px;
      background:#eff6ff;
      color:#1e3a8a;
      font-size:14px;
      line-height:1.55;
      border-top:1px solid #bfdbfe;
    }

    .ftd-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .ftd-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .ftd-faq summary::-webkit-details-marker{
      display:none;
    }

    .ftd-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .ftd-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .ftd-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .ftd-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .ftd-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .ftd-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .ftd-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .ftd-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .ftd-final-form input,
    .ftd-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .ftd-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .ftd-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .ftd-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .ftd-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .ftd-refs ol{
      margin:0;
      padding-left:20px;
    }

    .ftd-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .ftd-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .ftd-author-top,
      .ftd-stat-bar,
      .ftd-grid-2,
      .ftd-grid-3,
      .ftd-side-layout{
        grid-template-columns:1fr;
      }

      .ftd-author-date{
        text-align:left;
        white-space:normal;
      }

      .ftd-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .ftd-stat:last-child{
        border-bottom:0;
      }

      .ftd-hero-card{
        left:22px;
        width:calc(100% - 44px);
        padding:26px;
      }
    }

    @media(max-width:640px){
      .ftd-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .ftd-page h2{
        font-size:28px;
      }

      .ftd-hero-media,
      .ftd-hero-media img{
        min-height:620px;
        height:620px;
      }

      .ftd-hero-card{
        top:auto;
        bottom:20px;
        transform:none;
      }

      .ftd-hero-card h2{
        font-size:30px;
      }

      .ftd-form-col,
      .ftd-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* ============================================================
    https://loyainsurance.org/consequences-of-driving-uninsured-california/
    ============================================================= */
     .cau-page,
    .cau-page *{
      box-sizing:border-box;
    }

    .cau-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 58px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .cau-page p{
      margin:0 0 18px;
    }

    .cau-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
    }

    .cau-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .cau-page h3{
      margin:0 0 10px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .cau-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .cau-author-card{
      margin:18px 0 30px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .cau-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#fef2f2 0%,#ffffff 48%,#eff6ff 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .cau-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .cau-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#991b1b;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .cau-author-name{
      margin:0;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .cau-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .cau-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .cau-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .cau-author-body details{
      margin:0;
    }

    .cau-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#b45309;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .cau-author-body summary::-webkit-details-marker{
      display:none;
    }

    .cau-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .cau-author-body details[open] .cau-caret{
      transform:rotate(180deg);
    }

    .cau-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .cau-author-panel p{
      margin:0 0 10px!important;
    }

    .cau-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .cau-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#fef2f2;
      border:1px solid #fecaca;
      color:#991b1b;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .cau-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#0f172a;
      border:1px solid #fecaca;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .cau-hero-top{
      display:grid;
      grid-template-columns:minmax(0,1.05fr) minmax(330px,.95fr);
      min-height:470px;
    }

    .cau-hero-copy{
      padding:46px;
      background:
        radial-gradient(circle at 14% 20%,rgba(239,68,68,.25),transparent 35%),
        radial-gradient(circle at 90% 88%,rgba(59,130,246,.24),transparent 38%),
        linear-gradient(135deg,#111827 0%,#1f2937 55%,#450a0a 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .cau-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .cau-hero-copy h2{
      color:#fff;
      font-size:42px;
      max-width:760px;
    }

    .cau-hero-copy p{
      color:#f8fafc;
      max-width:760px;
    }

    .cau-hero-copy a{
      color:#fecaca;
    }

    .cau-lede{
      font-size:18px;
      line-height:1.75;
    }

    .cau-hero-media{
      position:relative;
      min-height:470px;
      background:#111827;
    }

    .cau-hero-media img{
      width:100%;
      height:100%;
      min-height:470px;
      display:block;
      object-fit:cover;
    }

    .cau-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(180deg,rgba(15,23,42,.04),rgba(15,23,42,.48));
      pointer-events:none;
    }

    .cau-hero-note{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.94);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 14px 32px rgba(15,23,42,.18);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .cau-hero-note strong{
      display:block;
      color:#0f172a;
      font-size:15px;
      margin-bottom:5px;
    }

    .cau-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .cau-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .cau-stat:nth-child(2){
      background:#eff6ff;
    }

    .cau-stat:nth-child(3){
      background:#fff7ed;
    }

    .cau-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .cau-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .cau-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .cau-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fef2f2;
      border:1px solid #fecaca;
      color:#7f1d1d;
      box-shadow:0 12px 30px rgba(127,29,29,.055);
    }

    .cau-alert strong{
      color:#991b1b;
      font-weight:900;
    }

    .cau-section{
      margin:46px 0;
    }

    .cau-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .cau-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .cau-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .cau-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .cau-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .cau-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .cau-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .cau-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .cau-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .cau-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .cau-card p:last-child{
      margin-bottom:0;
    }

    .cau-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .cau-list li{
      margin:0 0 12px;
    }

    .cau-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .cau-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .cau-table th,
    .cau-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .cau-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .cau-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .cau-table tr:last-child td{
      border-bottom:0;
    }

    .cau-side-layout{
      display:grid;
      grid-template-columns:minmax(280px,360px) minmax(0,1fr);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .cau-side-card{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#991b1b,#7f1d1d);
      color:#fff;
      box-shadow:0 18px 42px rgba(127,29,29,.18);
    }

    .cau-side-card h3{
      color:#fff;
    }

    .cau-side-card p,
    .cau-side-card li{
      color:#fee2e2;
      font-size:15px;
      line-height:1.6;
    }

    .cau-steps{
      margin:24px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .cau-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .cau-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#fef2f2;
      color:#b91c1c;
      font-size:18px;
      font-weight:950;
    }

    .cau-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .cau-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .cau-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .cau-faq summary::-webkit-details-marker{
      display:none;
    }

    .cau-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .cau-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .cau-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .cau-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .cau-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .cau-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .cau-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .cau-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .cau-final-form input,
    .cau-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .cau-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .cau-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .cau-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .cau-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .cau-refs ol{
      margin:0;
      padding-left:20px;
    }

    .cau-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .cau-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .cau-author-top,
      .cau-hero-top,
      .cau-stat-strip,
      .cau-grid-2,
      .cau-grid-3,
      .cau-side-layout,
      .cau-steps{
        grid-template-columns:1fr;
      }

      .cau-author-date{
        text-align:left;
        white-space:normal;
      }

      .cau-hero-media{
        order:-1;
      }

      .cau-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .cau-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .cau-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .cau-page h2{
        font-size:28px;
      }

      .cau-hero-copy{
        padding:24px;
      }

      .cau-hero-copy h2{
        font-size:31px;
      }

      .cau-form-col,
      .cau-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* ========================================================
    https://loyainsurance.org/essential-uninsured-motorist-coverage-limits/
    ============================================================= */
    .umf-page,
    .umf-page *{
      box-sizing:border-box;
    }

    .umf-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 58px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .umf-page p{
      margin:0 0 18px;
    }

    .umf-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
    }

    .umf-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .umf-page h3{
      margin:0 0 10px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .umf-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .umf-author-card{
      margin:18px 0 30px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .umf-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#eff6ff 0%,#ffffff 48%,#ecfdf5 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .umf-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .umf-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#1e3a8a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .umf-author-name{
      margin:0;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .umf-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .umf-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .umf-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .umf-author-body details{
      margin:0;
    }

    .umf-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#b45309;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .umf-author-body summary::-webkit-details-marker{
      display:none;
    }

    .umf-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .umf-author-body details[open] .umf-caret{
      transform:rotate(180deg);
    }

    .umf-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .umf-author-panel p{
      margin:0 0 10px!important;
    }

    .umf-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .umf-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#eff6ff;
      border:1px solid #bfdbfe;
      color:#1e3a8a;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .umf-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#0f172a;
      border:1px solid #dbeafe;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .umf-hero-wrap{
      position:relative;
      min-height:500px;
      background:#111827;
    }

    .umf-hero-wrap img{
      width:100%;
      height:500px;
      min-height:500px;
      display:block;
      object-fit:cover;
    }

    .umf-hero-wrap:after{
      content:"";
      position:absolute;
      inset:0;
      background:
        linear-gradient(90deg,rgba(15,23,42,.90) 0%,rgba(15,23,42,.72) 45%,rgba(15,23,42,.28) 100%);
      pointer-events:none;
      z-index:1;
    }

    .umf-hero-card{
      position:absolute;
      z-index:2;
      left:34px;
      top:50%;
      transform:translateY(-50%);
      width:min(650px,calc(100% - 68px));
      padding:34px;
      border-radius:28px;
      background:rgba(255,255,255,.13);
      border:1px solid rgba(255,255,255,.24);
      box-shadow:0 24px 60px rgba(0,0,0,.22);
      backdrop-filter:blur(14px);
      -webkit-backdrop-filter:blur(14px);
      color:#fff;
    }

    .umf-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.15);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .umf-hero-card h2{
      color:#fff;
      font-size:42px;
      max-width:760px;
    }

    .umf-hero-card p{
      color:#e5eefb;
      max-width:760px;
    }

    .umf-hero-card a{
      color:#bfdbfe;
    }

    .umf-lede{
      font-size:18px;
      line-height:1.75;
    }

    .umf-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .umf-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .umf-stat:nth-child(2){
      background:#eff6ff;
    }

    .umf-stat:nth-child(3){
      background:#fff7ed;
    }

    .umf-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .umf-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .umf-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .umf-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#eff6ff;
      border:1px solid #bfdbfe;
      color:#1e3a8a;
      box-shadow:0 12px 30px rgba(30,58,138,.055);
    }

    .umf-alert strong{
      color:#1d4ed8;
      font-weight:900;
    }

    .umf-section{
      margin:46px 0;
    }

    .umf-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .umf-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .umf-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .umf-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .umf-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .umf-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .umf-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .umf-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .umf-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .umf-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .umf-card p:last-child{
      margin-bottom:0;
    }

    .umf-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .umf-list li{
      margin:0 0 12px;
    }

    .umf-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .umf-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .umf-table th,
    .umf-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .umf-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .umf-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .umf-table tr:last-child td{
      border-bottom:0;
    }

    .umf-split{
      display:grid;
      grid-template-columns:minmax(280px,360px) minmax(0,1fr);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .umf-side-card{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#1e3a8a,#0f172a);
      color:#fff;
      box-shadow:0 18px 42px rgba(30,58,138,.18);
    }

    .umf-side-card h3{
      color:#fff;
    }

    .umf-side-card p,
    .umf-side-card li{
      color:#e5e7eb;
      font-size:15px;
      line-height:1.6;
    }

    .umf-benefit-strip{
      display:grid;
      grid-template-columns:1.1fr .9fr;
      gap:22px;
      margin:24px 0 0;
      align-items:stretch;
    }

    .umf-benefit-main{
      padding:26px;
      border-radius:26px;
      background:linear-gradient(135deg,#064e3b,#0f766e);
      color:#fff;
      box-shadow:0 18px 42px rgba(6,78,59,.16);
    }

    .umf-benefit-main h3{
      color:#fff;
    }

    .umf-benefit-main p,
    .umf-benefit-main li{
      color:#e5e7eb;
    }

    .umf-steps{
      margin:24px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .umf-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .umf-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#eff6ff;
      color:#1d4ed8;
      font-size:18px;
      font-weight:950;
    }

    .umf-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .umf-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .umf-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .umf-faq summary::-webkit-details-marker{
      display:none;
    }

    .umf-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .umf-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .umf-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .umf-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .umf-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .umf-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .umf-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .umf-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .umf-final-form input,
    .umf-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .umf-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .umf-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .umf-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .umf-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .umf-refs ol{
      margin:0;
      padding-left:20px;
    }

    .umf-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .umf-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .umf-author-top,
      .umf-stat-strip,
      .umf-grid-2,
      .umf-grid-3,
      .umf-split,
      .umf-benefit-strip,
      .umf-steps{
        grid-template-columns:1fr;
      }

      .umf-author-date{
        text-align:left;
        white-space:normal;
      }

      .umf-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .umf-stat:last-child{
        border-bottom:0;
      }

      .umf-hero-card{
        left:22px;
        width:calc(100% - 44px);
        padding:26px;
      }
    }

    @media(max-width:640px){
      .umf-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .umf-page h2{
        font-size:28px;
      }

      .umf-hero-wrap,
      .umf-hero-wrap img{
        min-height:650px;
        height:650px;
      }

      .umf-hero-card{
        top:auto;
        bottom:20px;
        transform:none;
      }

      .umf-hero-card h2{
        font-size:30px;
      }

      .umf-form-col,
      .umf-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* ================================================================
    https://loyainsurance.org/affordable-auto-insurance-providers-guide/
    ===================================================================== */
    .aip-page,
.aip-page *{
  box-sizing:border-box;
}

.aip-page{
  max-width:1120px;
  margin:0 auto;
  padding:0 24px 58px;
  color:#172033;
  font-size:17px;
  line-height:1.72;
  overflow:hidden;
}

.aip-page p{
  margin:0 0 18px;
}

.aip-page a{
  color:#b45309;
  text-decoration:underline;
  text-underline-offset:3px;
}

.aip-page h2{
  margin:0 0 16px;
  color:#0f172a;
  font-size:32px;
  line-height:1.18;
  font-weight:900;
  letter-spacing:-.025em;
}

.aip-page h3{
  margin:0 0 11px;
  color:#111827;
  font-size:22px;
  line-height:1.25;
  font-weight:850;
}

.aip-page h4{
  margin:0 0 8px;
  color:#111827;
  font-size:18px;
  line-height:1.25;
  font-weight:850;
}

.sj-author-card{
  max-width:1120px;
  margin:18px auto 0;
  border-radius:18px;
  background:#fff;
  border:1px solid #dbe3ef;
  box-shadow:0 12px 30px rgba(15,23,42,.06);
  overflow:hidden;
}

.sj-author-row{
  display:grid;
  grid-template-columns:58px minmax(0,1fr) auto;
  gap:16px;
  align-items:center;
  padding:18px 20px;
  background:linear-gradient(135deg,#fff7ed 0%,#ffffff 48%,#eff6ff 100%);
}

.sj-author-photo,
.sj-author-avatar{
  width:58px;
  height:58px;
  border-radius:999px;
  object-fit:cover;
  border:3px solid #fff;
  box-shadow:0 10px 22px rgba(15,23,42,.14);
}

.sj-author-avatar{
  display:flex;
  align-items:center;
  justify-content:center;
  background:#0f172a;
  color:#fff;
  font-weight:900;
}

.sj-author-content{
  min-width:0;
}

.sj-author-topline{
  display:flex;
  flex-wrap:wrap;
  align-items:center;
  gap:10px 14px;
  color:#64748b;
  font-size:14px;
  line-height:1.35;
}

.sj-author-topline strong{
  color:#0f172a;
  font-size:18px;
  font-weight:900;
}

.sj-author-badge{
  display:inline-flex;
  padding:7px 12px;
  border-radius:999px;
  background:#7c2d12;
  color:#fff;
  font-size:12px;
  line-height:1;
  font-weight:900;
  letter-spacing:.03em;
  text-transform:uppercase;
}

.sj-author-details{
  margin-top:10px;
}

.sj-author-details summary{
  cursor:pointer;
  display:inline-flex;
  align-items:center;
  gap:6px;
  color:#b45309;
  font-size:13px;
  font-weight:850;
  list-style:none;
}

.sj-author-details summary::-webkit-details-marker{
  display:none;
}

.sj-author-panel{
  margin-top:12px;
  padding:14px 16px;
  max-width:840px;
  border-radius:16px;
  border:1px solid #e2e8f0;
  background:#fff;
  color:#475569;
  font-size:14px;
  line-height:1.65;
}

.sj-author-panel p{
  margin:0 0 10px;
}

.sj-author-date{
  color:#64748b;
  font-size:13px;
  line-height:1.45;
  font-style:italic;
  text-align:right;
  white-space:nowrap;
}

.aip-hero{
  margin:0 0 34px;
  border-radius:34px;
  overflow:hidden;
  background:#fff7ed;
  border:1px solid #fed7aa;
  box-shadow:0 24px 60px rgba(15,23,42,.13);
}

.aip-hero-grid{
  display:grid;
  grid-template-columns:minmax(0,1.05fr) minmax(340px,.95fr);
  min-height:520px;
}

.aip-hero-copy{
  padding:46px 44px;
  background:
    radial-gradient(circle at 14% 12%,rgba(249,115,22,.24),transparent 34%),
    radial-gradient(circle at 92% 86%,rgba(59,130,246,.28),transparent 36%),
    linear-gradient(135deg,#312838 0%,#17213d 48%,#0f5d9f 100%);
  color:#fff;
  display:flex;
  flex-direction:column;
  justify-content:center;
  min-width:0;
}

.aip-eyebrow{
  display:inline-flex;
  width:max-content;
  max-width:100%;
  margin:0 0 18px;
  padding:8px 14px;
  border-radius:999px;
  background:rgba(255,255,255,.18);
  color:#fff;
  font-size:13px;
  line-height:1;
  font-weight:900;
  letter-spacing:.04em;
  text-transform:uppercase;
}

.aip-page-title{
  margin:0 0 18px !important;
  color:#fff;
  font-size:46px;
  line-height:1.05;
  font-weight:950;
  letter-spacing:-.045em;
  max-width:680px;
  overflow-wrap:normal;
  word-break:normal;
  hyphens:none;
}

.aip-hero-copy p{
  color:#eef6ff;
  max-width:720px;
}

.aip-hero-copy a{
  color:#bfdbfe;
}

.aip-lede{
  font-size:18px;
  line-height:1.72;
}

.aip-hero-panel{
  padding:40px;
  display:flex;
  align-items:center;
  justify-content:center;
  background:
    radial-gradient(circle at 75% 20%,rgba(251,146,60,.18),transparent 32%),
    linear-gradient(135deg,#fffaf3,#ffffff);
  min-width:0;
}

.aip-hero-panel-card{
  width:100%;
  max-width:430px;
  padding:26px;
  border-radius:26px;
  background:#fff;
  border:1px solid #fed7aa;
  box-shadow:0 18px 46px rgba(15,23,42,.12);
}

.aip-hero-panel-card h3{
  color:#7c2d12;
}

.aip-hero-checklist{
  margin:18px 0;
  padding:0;
  list-style:none;
  display:grid;
  gap:12px;
}

.aip-hero-checklist li{
  display:grid;
  grid-template-columns:34px minmax(0,1fr);
  gap:12px;
  align-items:start;
  color:#334155;
  font-size:15px;
  line-height:1.55;
}

.aip-hero-checklist span{
  width:34px;
  height:34px;
  display:flex;
  align-items:center;
  justify-content:center;
  border-radius:12px;
  background:#fff7ed;
  color:#b45309;
  font-weight:950;
}

.aip-hero-note{
  margin-top:18px;
  padding:16px 18px;
  border-radius:18px;
  background:#0f172a;
  color:#e5e7eb;
  font-size:14px;
  line-height:1.55;
}

.aip-hero-note strong{
  display:block;
  margin-bottom:5px;
  color:#fff;
}

.aip-stat-strip{
  display:grid;
  grid-template-columns:repeat(4,minmax(0,1fr));
  width:100%;
  background:#fff;
  border-top:1px solid #e5e7eb;
  clear:both;
}

.aip-stat{
  min-width:0;
  padding:20px 20px;
  border-right:1px solid #e5e7eb;
  background:#fff;
}

.aip-stat:nth-child(2){
  background:#eff6ff;
}

.aip-stat:nth-child(3){
  background:#fff7ed;
}

.aip-stat:nth-child(4){
  background:#ecfdf5;
  border-right:0;
}

.aip-stat strong{
  display:block;
  margin:0 0 6px;
  color:#0f172a;
  font-size:18px;
  line-height:1.2;
  font-weight:950;
}

.aip-stat span{
  display:block;
  color:#475569;
  font-size:14px;
  line-height:1.5;
}

.aip-alert{
  margin:38px 0;
  padding:20px 22px;
  border-radius:22px;
  background:#fff7ed;
  border:1px solid #fed7aa;
  color:#7c2d12;
  box-shadow:0 12px 30px rgba(124,45,18,.055);
}

.aip-alert strong{
  color:#9a3412;
  font-weight:900;
}

.aip-section{
  margin:46px 0;
}

.aip-section.narrow{
  max-width:930px;
  margin-left:auto;
  margin-right:auto;
}

.aip-grid-2{
  display:grid;
  grid-template-columns:repeat(2,minmax(0,1fr));
  gap:20px;
  margin:24px 0 0;
}

.aip-grid-3{
  display:grid;
  grid-template-columns:repeat(3,minmax(0,1fr));
  gap:18px;
  margin:24px 0 0;
}

.aip-card{
  height:100%;
  padding:22px;
  border-radius:22px;
  border:1px solid #e5e7eb;
  background:#fff;
  box-shadow:0 14px 34px rgba(15,23,42,.055);
}

.aip-card.blue{
  background:linear-gradient(135deg,#eff6ff,#ffffff);
  border-color:#bfdbfe;
}

.aip-card.green{
  background:linear-gradient(135deg,#ecfdf5,#ffffff);
  border-color:#bbf7d0;
}

.aip-card.orange{
  background:linear-gradient(135deg,#fff7ed,#ffffff);
  border-color:#fed7aa;
}

.aip-card.purple{
  background:linear-gradient(135deg,#faf5ff,#ffffff);
  border-color:#e9d5ff;
}

.aip-card.red{
  background:linear-gradient(135deg,#fef2f2,#ffffff);
  border-color:#fecaca;
}

.aip-card.gray{
  background:linear-gradient(135deg,#f8fafc,#ffffff);
  border-color:#e2e8f0;
}

.aip-card p:last-child{
  margin-bottom:0;
}

.aip-list{
  margin:0 0 20px;
  padding-left:22px;
}

.aip-list li{
  margin:0 0 12px;
}

.aip-table-wrap{
  margin:24px 0 30px;
  overflow-x:auto;
  border-radius:22px;
  border:1px solid #e5e7eb;
  background:#fff;
  box-shadow:0 16px 36px rgba(15,23,42,.05);
}

.aip-table{
  width:100%;
  border-collapse:collapse;
  min-width:780px;
  background:#fff;
}

.aip-table th,
.aip-table td{
  padding:16px 18px;
  text-align:left;
  vertical-align:top;
  border-bottom:1px solid #e5e7eb;
  font-size:15px;
  line-height:1.55;
}

.aip-table th{
  background:#111827;
  color:#fff;
  font-size:14px;
  text-transform:uppercase;
  letter-spacing:.04em;
  font-weight:850;
}

.aip-table tbody tr:nth-child(even) td{
  background:#f8fafc;
}

.aip-table tr:last-child td{
  border-bottom:0;
}

.aip-side-layout{
  display:grid;
  grid-template-columns:minmax(270px,330px) minmax(0,1fr);
  gap:26px;
  align-items:start;
  margin:26px 0 0;
}

.aip-side-card{
  position:sticky;
  top:18px;
  padding:22px;
  border-radius:24px;
  background:linear-gradient(135deg,#111827,#374151);
  color:#fff;
  box-shadow:0 18px 42px rgba(17,24,39,.18);
}

.aip-side-card h3{
  color:#fff;
}

.aip-side-card p,
.aip-side-card li{
  color:#e5e7eb;
  font-size:15px;
  line-height:1.6;
}

.aip-score-wrap{
  display:grid;
  grid-template-columns:minmax(0,1.15fr) minmax(280px,.85fr);
  gap:24px;
  align-items:stretch;
}

.aip-steps{
  margin:26px 0 0;
  display:grid;
  grid-template-columns:repeat(4,minmax(0,1fr));
  gap:14px;
}

.aip-step{
  padding:18px;
  border-radius:22px;
  background:#fff;
  border:1px solid #e5e7eb;
  box-shadow:0 12px 30px rgba(15,23,42,.045);
}

.aip-step span{
  width:40px;
  height:40px;
  display:flex;
  align-items:center;
  justify-content:center;
  margin:0 0 12px;
  border-radius:14px;
  background:#fff7ed;
  color:#b45309;
  font-size:18px;
  font-weight:950;
}

.aip-step p{
  color:#475569;
  font-size:15px;
  line-height:1.6;
  margin-bottom:0;
}

.aip-faq details{
  margin:0 0 12px;
  padding:17px 19px;
  border-radius:16px;
  background:#fff;
  border:1px solid #e5e7eb;
  box-shadow:0 10px 26px rgba(15,23,42,.04);
}

.aip-faq summary{
  cursor:pointer;
  color:#0f172a;
  font-weight:850;
  list-style:none;
}

.aip-faq summary::-webkit-details-marker{
  display:none;
}

.aip-faq p{
  margin:12px 0 0 !important;
  color:#475569;
  font-size:15px;
  line-height:1.6;
}

.aip-final-quote{
  margin:46px auto 36px;
  width:100%;
  display:flex;
  justify-content:center;
}

.aip-final-quote-inner{
  max-width:800px;
  width:100%;
  background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
  border-radius:22px;
  padding:22px 24px 20px;
  box-shadow:0 16px 38px rgba(10,20,40,.20);
  border:1px solid rgba(255,255,255,.08);
}

.aip-final-title{
  display:block;
  color:#ffffff !important;
  font-size:24px;
  line-height:1.15;
  font-weight:900;
  margin:0 0 7px;
  text-align:center;
  -webkit-text-fill-color:#ffffff;
}

.aip-final-subtitle{
  display:block;
  color:#e2e8f0 !important;
  font-size:14px;
  line-height:1.5;
  font-weight:500;
  margin:0 0 14px;
  text-align:center;
  -webkit-text-fill-color:#e2e8f0;
}

.aip-final-form{
  display:flex;
  gap:10px;
  align-items:center;
  justify-content:center;
  flex-wrap:wrap;
  margin:0;
  padding:0;
  width:100%;
}

.aip-form-col{
  flex:1 1 180px;
  min-width:160px;
  max-width:200px;
  margin:0;
  padding:0;
}

.aip-form-col.button-col{
  flex:0 0 160px;
  min-width:160px;
}

.aip-final-form input{
  width:100%;
  height:44px;
  display:block;
  box-sizing:border-box;
  margin:0;
  padding:0 12px;
  border:none;
  border-radius:10px;
  background:#f3f4f6;
  color:#24324a;
  font-size:15px;
  line-height:44px;
  box-shadow:none;
  outline:none;
}

.aip-final-form button{
  width:100%;
  height:44px;
  display:inline-flex;
  align-items:center;
  justify-content:center;
  box-sizing:border-box;
  border:none;
  border-radius:10px;
  background:#dc2626;
  color:#ffffff !important;
  font-size:15px;
  line-height:1;
  font-weight:800;
  text-align:center;
  padding:0 18px;
  cursor:pointer;
  -webkit-text-fill-color:#ffffff;
}

.aip-editorial{
  margin:34px 0;
  padding:18px 20px;
  border-radius:20px;
  background:#f8fafc;
  border:1px solid #e2e8f0;
  color:#475569;
  font-size:15px;
  line-height:1.65;
}

.aip-refs{
  margin-top:36px;
  padding-top:24px;
  border-top:1px solid #e5e7eb;
}

.aip-refs h3{
  margin:0 0 12px;
  color:#0f172a;
  font-size:22px;
  line-height:1.2;
  font-weight:900;
}

.aip-refs ol{
  margin:0;
  padding-left:20px;
}

.aip-refs li{
  margin:0 0 10px;
  color:#334155;
  font-size:15px;
  line-height:1.6;
}

.aip-ref-back{
  margin-left:6px;
  white-space:nowrap;
  text-decoration:none !important;
  font-weight:850;
}

@media(max-width:980px){
  .sj-author-row,
  .aip-hero-grid,
  .aip-stat-strip,
  .aip-grid-2,
  .aip-grid-3,
  .aip-side-layout,
  .aip-score-wrap,
  .aip-steps{
    grid-template-columns:1fr;
  }

  .sj-author-date{
    text-align:left;
    white-space:normal;
  }

  .aip-hero-grid{
    min-height:0;
  }

  .aip-hero-panel{
    padding:28px 24px;
  }

  .aip-stat{
    border-right:0;
    border-bottom:1px solid #e5e7eb;
  }

  .aip-stat:last-child{
    border-bottom:0;
  }

  .aip-side-card{
    position:relative;
    top:auto;
  }
}

@media(max-width:640px){
  .aip-page{
    padding:0 18px 44px;
    font-size:16px;
    overflow:hidden;
  }

  .sj-author-card{
    margin:14px 0 0;
    border-radius:18px;
  }

  .sj-author-row{
    padding:16px;
  }

  .aip-hero{
    border-radius:24px;
    margin-bottom:28px;
  }

  .aip-hero-copy{
    padding:28px 24px;
  }

  .aip-page-title{
    font-size:36px;
    line-height:1.08;
  }

  .aip-page h2{
    font-size:28px;
  }

  .aip-hero-panel{
    padding:24px 18px;
  }

  .aip-hero-panel-card{
    padding:20px;
    border-radius:22px;
  }

  .aip-form-col,
  .aip-form-col.button-col{
    flex:1 1 100%;
    max-width:none;
  }
}

/* ===================================================================
https://loyainsurance.org/uninsured-motorist-coverage-importance/
================================================================= */
.uim-page,
    .uim-page *{
      box-sizing:border-box;
    }

    .uim-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 58px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .uim-page p{
      margin:0 0 18px;
    }

    .uim-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
    }

    .uim-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .uim-page h3{
      margin:0 0 10px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .uim-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .uim-author-card{
      margin:18px 0 30px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .uim-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#f8fafc 0%,#ffffff 45%,#eff6ff 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .uim-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .uim-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#0f172a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .uim-author-name{
      margin:0;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .uim-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .uim-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .uim-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .uim-author-body details{
      margin:0;
    }

    .uim-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#b45309;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .uim-author-body summary::-webkit-details-marker{
      display:none;
    }

    .uim-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .uim-author-body details[open] .uim-caret{
      transform:rotate(180deg);
    }

    .uim-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .uim-author-panel p{
      margin:0 0 10px!important;
    }

    .uim-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .uim-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#eff6ff;
      border:1px solid #bfdbfe;
      color:#1e3a8a;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .uim-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#0f172a;
      border:1px solid #dbeafe;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .uim-hero-grid{
      display:grid;
      grid-template-columns:minmax(330px,.82fr) minmax(0,1.18fr);
      min-height:475px;
    }

    .uim-hero-media{
      position:relative;
      min-height:475px;
      background:#111827;
    }

    .uim-hero-media img{
      width:100%;
      height:100%;
      min-height:475px;
      display:block;
      object-fit:cover;
    }

    .uim-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(180deg,rgba(15,23,42,.04),rgba(15,23,42,.48));
      pointer-events:none;
    }

    .uim-hero-note{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.94);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 14px 32px rgba(15,23,42,.18);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .uim-hero-note strong{
      display:block;
      color:#0f172a;
      font-size:15px;
      margin-bottom:5px;
    }

    .uim-hero-copy{
      padding:46px;
      background:
        radial-gradient(circle at 12% 18%,rgba(59,130,246,.26),transparent 34%),
        radial-gradient(circle at 88% 86%,rgba(34,197,94,.20),transparent 36%),
        linear-gradient(135deg,#0f172a 0%,#1f2937 56%,#082f49 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .uim-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .uim-hero-copy h2{
      color:#fff;
      font-size:40px;
      max-width:760px;
    }

    .uim-hero-copy p{
      color:#e5eefb;
      max-width:760px;
    }

    .uim-hero-copy a{
      color:#bfdbfe;
    }

    .uim-lede{
      font-size:18px;
      line-height:1.75;
    }

    .uim-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .uim-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .uim-stat:nth-child(2){
      background:#eff6ff;
    }

    .uim-stat:nth-child(3){
      background:#fff7ed;
    }

    .uim-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .uim-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .uim-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .uim-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#eff6ff;
      border:1px solid #bfdbfe;
      color:#1e3a8a;
      box-shadow:0 12px 30px rgba(30,58,138,.055);
    }

    .uim-alert strong{
      color:#1d4ed8;
      font-weight:900;
    }

    .uim-section{
      margin:46px 0;
    }

    .uim-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .uim-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .uim-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .uim-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .uim-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .uim-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .uim-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .uim-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .uim-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .uim-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .uim-card p:last-child{
      margin-bottom:0;
    }

    .uim-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .uim-list li{
      margin:0 0 12px;
    }

    .uim-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .uim-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .uim-table th,
    .uim-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .uim-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .uim-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .uim-table tr:last-child td{
      border-bottom:0;
    }

    .uim-safety-layout{
      display:grid;
      grid-template-columns:minmax(280px,360px) minmax(0,1fr);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .uim-side-card{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#0f172a,#1e3a8a);
      color:#fff;
      box-shadow:0 18px 42px rgba(30,58,138,.18);
    }

    .uim-side-card h3{
      color:#fff;
    }

    .uim-side-card p,
    .uim-side-card li{
      color:#e5e7eb;
      font-size:15px;
      line-height:1.6;
    }

    .uim-check-strip{
      display:grid;
      grid-template-columns:1.05fr .95fr;
      gap:22px;
      align-items:stretch;
      margin:24px 0 0;
    }

    .uim-check-main{
      padding:26px;
      border-radius:26px;
      background:linear-gradient(135deg,#064e3b,#0f766e);
      color:#fff;
      box-shadow:0 18px 42px rgba(6,78,59,.16);
    }

    .uim-check-main h3{
      color:#fff;
    }

    .uim-check-main p,
    .uim-check-main li{
      color:#e5e7eb;
    }

    .uim-steps{
      margin:24px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .uim-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .uim-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#eff6ff;
      color:#1d4ed8;
      font-size:18px;
      font-weight:950;
    }

    .uim-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .uim-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .uim-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .uim-faq summary::-webkit-details-marker{
      display:none;
    }

    .uim-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .uim-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .uim-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .uim-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .uim-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .uim-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .uim-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .uim-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .uim-final-form input,
    .uim-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .uim-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .uim-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .uim-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .uim-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .uim-refs ol{
      margin:0;
      padding-left:20px;
    }

    .uim-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .uim-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .uim-author-top,
      .uim-hero-grid,
      .uim-stat-strip,
      .uim-grid-2,
      .uim-grid-3,
      .uim-safety-layout,
      .uim-check-strip,
      .uim-steps{
        grid-template-columns:1fr;
      }

      .uim-author-date{
        text-align:left;
        white-space:normal;
      }

      .uim-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .uim-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .uim-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .uim-page h2{
        font-size:28px;
      }

      .uim-hero-copy{
        padding:24px;
      }

      .uim-hero-copy h2{
        font-size:31px;
      }

      .uim-form-col,
      .uim-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* ==================================================================
    https://loyainsurance.org/uninsured-motorist-coverage-texas-importance/
    ======================================================================= */
    .tum-page,
    .tum-page *{
      box-sizing:border-box;
    }

    .tum-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 58px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .tum-page p{
      margin:0 0 18px;
    }

    .tum-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
    }

    .tum-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .tum-page h3{
      margin:0 0 10px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .tum-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .tum-author-card{
      margin:18px 0 30px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .tum-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#eff6ff 0%,#ffffff 46%,#fff7ed 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .tum-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .tum-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#1e3a8a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .tum-author-name{
      margin:0;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .tum-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .tum-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .tum-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .tum-author-body details{
      margin:0;
    }

    .tum-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#b45309;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .tum-author-body summary::-webkit-details-marker{
      display:none;
    }

    .tum-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .tum-author-body details[open] .tum-caret{
      transform:rotate(180deg);
    }

    .tum-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .tum-author-panel p{
      margin:0 0 10px!important;
    }

    .tum-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .tum-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#eff6ff;
      border:1px solid #bfdbfe;
      color:#1e3a8a;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .tum-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#0f172a;
      border:1px solid #dbeafe;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .tum-hero-grid{
      display:grid;
      grid-template-columns:minmax(0,1.08fr) minmax(330px,.92fr);
      min-height:485px;
    }

    .tum-hero-copy{
      padding:46px;
      background:
        radial-gradient(circle at 12% 18%,rgba(59,130,246,.26),transparent 34%),
        radial-gradient(circle at 90% 86%,rgba(251,146,60,.24),transparent 36%),
        linear-gradient(135deg,#0f172a 0%,#1f2937 56%,#082f49 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .tum-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .tum-hero-copy h2{
      color:#fff;
      font-size:42px;
      max-width:760px;
    }

    .tum-hero-copy p{
      color:#e5eefb;
      max-width:760px;
    }

    .tum-hero-copy a{
      color:#bfdbfe;
    }

    .tum-lede{
      font-size:18px;
      line-height:1.75;
    }

    .tum-hero-media{
      position:relative;
      min-height:485px;
      background:#111827;
    }

    .tum-hero-media img{
      width:100%;
      height:100%;
      min-height:485px;
      display:block;
      object-fit:cover;
    }

    .tum-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(180deg,rgba(15,23,42,.03),rgba(15,23,42,.46));
      pointer-events:none;
    }

    .tum-hero-note{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.94);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 14px 32px rgba(15,23,42,.18);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .tum-hero-note strong{
      display:block;
      color:#0f172a;
      font-size:15px;
      margin-bottom:5px;
    }

    .tum-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .tum-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .tum-stat:nth-child(2){
      background:#eff6ff;
    }

    .tum-stat:nth-child(3){
      background:#fff7ed;
    }

    .tum-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .tum-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .tum-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .tum-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#eff6ff;
      border:1px solid #bfdbfe;
      color:#1e3a8a;
      box-shadow:0 12px 30px rgba(30,58,138,.055);
    }

    .tum-alert strong{
      color:#1d4ed8;
      font-weight:900;
    }

    .tum-section{
      margin:46px 0;
    }

    .tum-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .tum-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .tum-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .tum-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .tum-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .tum-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .tum-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .tum-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .tum-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .tum-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .tum-card p:last-child{
      margin-bottom:0;
    }

    .tum-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .tum-list li{
      margin:0 0 12px;
    }

    .tum-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .tum-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .tum-table th,
    .tum-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .tum-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .tum-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .tum-table tr:last-child td{
      border-bottom:0;
    }

    .tum-side-layout{
      display:grid;
      grid-template-columns:minmax(280px,360px) minmax(0,1fr);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .tum-side-card{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#1e3a8a,#0f172a);
      color:#fff;
      box-shadow:0 18px 42px rgba(30,58,138,.18);
    }

    .tum-side-card h3{
      color:#fff;
    }

    .tum-side-card p,
    .tum-side-card li{
      color:#e5e7eb;
      font-size:15px;
      line-height:1.6;
    }

    .tum-steps{
      margin:24px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .tum-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .tum-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#eff6ff;
      color:#1d4ed8;
      font-size:18px;
      font-weight:950;
    }

    .tum-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .tum-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .tum-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .tum-faq summary::-webkit-details-marker{
      display:none;
    }

    .tum-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .tum-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .tum-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .tum-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .tum-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .tum-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .tum-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .tum-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .tum-final-form input,
    .tum-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .tum-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .tum-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .tum-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .tum-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .tum-refs ol{
      margin:0;
      padding-left:20px;
    }

    .tum-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .tum-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .tum-author-top,
      .tum-hero-grid,
      .tum-stat-strip,
      .tum-grid-2,
      .tum-grid-3,
      .tum-side-layout,
      .tum-steps{
        grid-template-columns:1fr;
      }

      .tum-author-date{
        text-align:left;
        white-space:normal;
      }

      .tum-hero-media{
        order:-1;
      }

      .tum-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .tum-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .tum-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .tum-page h2{
        font-size:28px;
      }

      .tum-hero-copy{
        padding:24px;
      }

      .tum-hero-copy h2{
        font-size:31px;
      }

      .tum-form-col,
      .tum-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* ============================================================
    https://loyainsurance.org/uninsured-motorist-coverage-costs-out-of-pocket/
    =============================================================== */
    .ums-page,
    .ums-page *{
      box-sizing:border-box;
    }

    .ums-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 58px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .ums-page p{
      margin:0 0 18px;
    }

    .ums-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
    }

    .ums-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .ums-page h3{
      margin:0 0 10px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .ums-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .ums-author-card{
      margin:18px 0 30px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .ums-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#ecfdf5 0%,#ffffff 46%,#eff6ff 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .ums-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .ums-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#065f46;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .ums-author-name{
      margin:0;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .ums-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .ums-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .ums-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .ums-author-body details{
      margin:0;
    }

    .ums-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#b45309;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .ums-author-body summary::-webkit-details-marker{
      display:none;
    }

    .ums-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .ums-author-body details[open] .ums-caret{
      transform:rotate(180deg);
    }

    .ums-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .ums-author-panel p{
      margin:0 0 10px!important;
    }

    .ums-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .ums-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#ecfdf5;
      border:1px solid #bbf7d0;
      color:#166534;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .ums-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#0f172a;
      border:1px solid #bbf7d0;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .ums-hero-grid{
      display:grid;
      grid-template-columns:minmax(0,1.05fr) minmax(330px,.95fr);
      min-height:485px;
    }

    .ums-hero-copy{
      padding:46px;
      background:
        radial-gradient(circle at 14% 20%,rgba(34,197,94,.26),transparent 35%),
        radial-gradient(circle at 90% 88%,rgba(59,130,246,.24),transparent 38%),
        linear-gradient(135deg,#111827 0%,#1f2937 54%,#064e3b 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .ums-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .ums-hero-copy h2{
      color:#fff;
      font-size:42px;
      max-width:760px;
    }

    .ums-hero-copy p{
      color:#e5eefb;
      max-width:760px;
    }

    .ums-hero-copy a{
      color:#bbf7d0;
    }

    .ums-lede{
      font-size:18px;
      line-height:1.75;
    }

    .ums-hero-media{
      position:relative;
      min-height:485px;
      background:#111827;
    }

    .ums-hero-media img{
      width:100%;
      height:100%;
      min-height:485px;
      display:block;
      object-fit:cover;
    }

    .ums-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(180deg,rgba(15,23,42,.02),rgba(15,23,42,.44));
      pointer-events:none;
    }

    .ums-hero-note{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.94);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 14px 32px rgba(15,23,42,.18);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .ums-hero-note strong{
      display:block;
      color:#0f172a;
      font-size:15px;
      margin-bottom:5px;
    }

    .ums-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .ums-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .ums-stat:nth-child(2){
      background:#eff6ff;
    }

    .ums-stat:nth-child(3){
      background:#fff7ed;
    }

    .ums-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .ums-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .ums-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .ums-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#ecfdf5;
      border:1px solid #bbf7d0;
      color:#14532d;
      box-shadow:0 12px 30px rgba(20,83,45,.055);
    }

    .ums-alert strong{
      color:#166534;
      font-weight:900;
    }

    .ums-section{
      margin:46px 0;
    }

    .ums-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .ums-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .ums-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .ums-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .ums-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .ums-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .ums-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .ums-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .ums-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .ums-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .ums-card p:last-child{
      margin-bottom:0;
    }

    .ums-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .ums-list li{
      margin:0 0 12px;
    }

    .ums-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .ums-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .ums-table th,
    .ums-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .ums-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .ums-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .ums-table tr:last-child td{
      border-bottom:0;
    }

    .ums-split{
      display:grid;
      grid-template-columns:minmax(280px,360px) minmax(0,1fr);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .ums-side-card{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#065f46,#064e3b);
      color:#fff;
      box-shadow:0 18px 42px rgba(6,95,70,.18);
    }

    .ums-side-card h3{
      color:#fff;
    }

    .ums-side-card p,
    .ums-side-card li{
      color:#e5e7eb;
      font-size:15px;
      line-height:1.6;
    }

    .ums-proof-strip{
      display:grid;
      grid-template-columns:1.05fr .95fr;
      gap:22px;
      align-items:stretch;
      margin:24px 0 0;
    }

    .ums-proof-main{
      padding:26px;
      border-radius:26px;
      background:linear-gradient(135deg,#1e3a8a,#0f172a);
      color:#fff;
      box-shadow:0 18px 42px rgba(30,58,138,.16);
    }

    .ums-proof-main h3{
      color:#fff;
    }

    .ums-proof-main p,
    .ums-proof-main li{
      color:#e5e7eb;
    }

    .ums-steps{
      margin:24px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .ums-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .ums-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#ecfdf5;
      color:#047857;
      font-size:18px;
      font-weight:950;
    }

    .ums-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .ums-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .ums-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .ums-faq summary::-webkit-details-marker{
      display:none;
    }

    .ums-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .ums-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .ums-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .ums-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .ums-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .ums-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .ums-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .ums-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .ums-final-form input,
    .ums-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .ums-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .ums-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .ums-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .ums-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .ums-refs ol{
      margin:0;
      padding-left:20px;
    }

    .ums-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .ums-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .ums-author-top,
      .ums-hero-grid,
      .ums-stat-strip,
      .ums-grid-2,
      .ums-grid-3,
      .ums-split,
      .ums-proof-strip,
      .ums-steps{
        grid-template-columns:1fr;
      }

      .ums-author-date{
        text-align:left;
        white-space:normal;
      }

      .ums-hero-media{
        order:-1;
      }

      .ums-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .ums-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .ums-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .ums-page h2{
        font-size:28px;
      }

      .ums-hero-copy{
        padding:24px;
      }

      .ums-hero-copy h2{
        font-size:31px;
      }

      .ums-form-col,
      .ums-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* =============================================================
    https://loyainsurance.org/maximize-high-risk-driver-insurance-discounts/
    =============================================================== */
    .hrd-page,
    .hrd-page *{
      box-sizing:border-box;
    }

    .hrd-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 58px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .hrd-page p{
      margin:0 0 18px;
    }

    .hrd-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
    }

    .hrd-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .hrd-page h3{
      margin:0 0 10px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .hrd-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .hrd-author-card{
      margin:18px 0 30px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .hrd-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#fff7ed 0%,#ffffff 45%,#fef2f2 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .hrd-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .hrd-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#9a3412;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .hrd-author-name{
      margin:0;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .hrd-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .hrd-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .hrd-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .hrd-author-body details{
      margin:0;
    }

    .hrd-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#b45309;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .hrd-author-body summary::-webkit-details-marker{
      display:none;
    }

    .hrd-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .hrd-author-body details[open] .hrd-caret{
      transform:rotate(180deg);
    }

    .hrd-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .hrd-author-panel p{
      margin:0 0 10px!important;
    }

    .hrd-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .hrd-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#9a3412;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .hrd-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#0f172a;
      border:1px solid #fed7aa;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .hrd-hero-wrap{
      display:grid;
      grid-template-columns:minmax(330px,.88fr) minmax(0,1.12fr);
      min-height:490px;
    }

    .hrd-hero-media{
      position:relative;
      min-height:490px;
      background:#111827;
    }

    .hrd-hero-media img{
      width:100%;
      height:100%;
      min-height:490px;
      display:block;
      object-fit:cover;
    }

    .hrd-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(180deg,rgba(15,23,42,.02),rgba(15,23,42,.46));
      pointer-events:none;
    }

    .hrd-hero-note{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.94);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 14px 32px rgba(15,23,42,.18);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .hrd-hero-note strong{
      display:block;
      color:#0f172a;
      font-size:15px;
      margin-bottom:5px;
    }

    .hrd-hero-copy{
      padding:46px;
      background:
        radial-gradient(circle at 12% 18%,rgba(251,146,60,.25),transparent 34%),
        radial-gradient(circle at 88% 86%,rgba(239,68,68,.18),transparent 36%),
        linear-gradient(135deg,#111827 0%,#1f2937 56%,#431407 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .hrd-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .hrd-hero-copy h2{
      color:#fff;
      font-size:42px;
      max-width:760px;
    }

    .hrd-hero-copy p{
      color:#e5eefb;
      max-width:760px;
    }

    .hrd-hero-copy a{
      color:#fed7aa;
    }

    .hrd-lede{
      font-size:18px;
      line-height:1.75;
    }

    .hrd-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .hrd-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .hrd-stat:nth-child(2){
      background:#eff6ff;
    }

    .hrd-stat:nth-child(3){
      background:#fff7ed;
    }

    .hrd-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .hrd-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .hrd-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .hrd-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .hrd-alert strong{
      color:#9a3412;
      font-weight:900;
    }

    .hrd-section{
      margin:46px 0;
    }

    .hrd-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .hrd-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .hrd-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .hrd-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .hrd-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .hrd-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .hrd-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .hrd-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .hrd-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .hrd-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .hrd-card p:last-child{
      margin-bottom:0;
    }

    .hrd-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .hrd-list li{
      margin:0 0 12px;
    }

    .hrd-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .hrd-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .hrd-table th,
    .hrd-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .hrd-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .hrd-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .hrd-table tr:last-child td{
      border-bottom:0;
    }

    .hrd-split{
      display:grid;
      grid-template-columns:minmax(0,1fr) minmax(280px,360px);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .hrd-side-card{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#7c2d12,#991b1b);
      color:#fff;
      box-shadow:0 18px 42px rgba(124,45,18,.18);
    }

    .hrd-side-card h3{
      color:#fff;
    }

    .hrd-side-card p,
    .hrd-side-card li{
      color:#ffedd5;
      font-size:15px;
      line-height:1.6;
    }

    .hrd-savings-strip{
      display:grid;
      grid-template-columns:.95fr 1.05fr;
      gap:22px;
      align-items:stretch;
      margin:24px 0 0;
    }

    .hrd-savings-main{
      padding:26px;
      border-radius:26px;
      background:linear-gradient(135deg,#1e3a8a,#0f172a);
      color:#fff;
      box-shadow:0 18px 42px rgba(30,58,138,.16);
    }

    .hrd-savings-main h3{
      color:#fff;
    }

    .hrd-savings-main p,
    .hrd-savings-main li{
      color:#e5e7eb;
    }

    .hrd-steps{
      margin:24px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .hrd-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .hrd-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#fff7ed;
      color:#b45309;
      font-size:18px;
      font-weight:950;
    }

    .hrd-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .hrd-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .hrd-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .hrd-faq summary::-webkit-details-marker{
      display:none;
    }

    .hrd-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .hrd-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .hrd-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .hrd-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .hrd-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .hrd-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .hrd-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .hrd-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .hrd-final-form input,
    .hrd-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .hrd-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .hrd-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .hrd-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .hrd-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .hrd-refs ol{
      margin:0;
      padding-left:20px;
    }

    .hrd-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .hrd-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .hrd-author-top,
      .hrd-hero-wrap,
      .hrd-stat-strip,
      .hrd-grid-2,
      .hrd-grid-3,
      .hrd-split,
      .hrd-savings-strip,
      .hrd-steps{
        grid-template-columns:1fr;
      }

      .hrd-author-date{
        text-align:left;
        white-space:normal;
      }

      .hrd-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .hrd-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .hrd-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .hrd-page h2{
        font-size:28px;
      }

      .hrd-hero-copy{
        padding:24px;
      }

      .hrd-hero-copy h2{
        font-size:31px;
      }

      .hrd-form-col,
      .hrd-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* ===============================================================
    https://loyainsurance.org/switch-high-risk-auto-insurance-providers/
    ================================================================== */
    .hrsp-page,
    .hrsp-page *{
      box-sizing:border-box;
    }

    .hrsp-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 60px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .hrsp-page p{
      margin:0 0 18px;
    }

    .hrsp-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
    }

    .hrsp-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .hrsp-page h3{
      margin:0 0 10px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .hrsp-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .hrsp-author-card{
      margin:18px 0 30px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .hrsp-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#fff7ed 0%,#ffffff 48%,#eff6ff 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .hrsp-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .hrsp-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#b45309;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .hrsp-author-name{
      margin:0;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .hrsp-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .hrsp-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .hrsp-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .hrsp-author-body details{
      margin:0;
    }

    .hrsp-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#b45309;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .hrsp-author-body summary::-webkit-details-marker{
      display:none;
    }

    .hrsp-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .hrsp-author-body details[open] .hrsp-caret{
      transform:rotate(180deg);
    }

    .hrsp-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .hrsp-author-panel p{
      margin:0 0 10px!important;
    }

    .hrsp-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .hrsp-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#9a3412;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .hrsp-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#111827;
      border:1px solid #fed7aa;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .hrsp-hero-grid{
      display:grid;
      grid-template-columns:minmax(330px,.92fr) minmax(0,1.08fr);
      min-height:480px;
    }

    .hrsp-hero-media{
      position:relative;
      min-height:480px;
      background:#111827;
    }

    .hrsp-hero-media img{
      width:100%;
      height:100%;
      min-height:480px;
      display:block;
      object-fit:cover;
    }

    .hrsp-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(180deg,rgba(15,23,42,.04),rgba(15,23,42,.50));
      pointer-events:none;
    }

    .hrsp-hero-badge{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.94);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 14px 32px rgba(15,23,42,.18);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .hrsp-hero-badge strong{
      display:block;
      color:#0f172a;
      font-size:15px;
      margin-bottom:5px;
    }

    .hrsp-hero-copy{
      padding:46px;
      background:
        radial-gradient(circle at 84% 18%,rgba(251,146,60,.25),transparent 34%),
        radial-gradient(circle at 18% 90%,rgba(59,130,246,.22),transparent 38%),
        linear-gradient(135deg,#111827 0%,#1f2937 55%,#7c2d12 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .hrsp-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .hrsp-hero-copy h2{
      color:#fff;
      font-size:42px;
      max-width:760px;
    }

    .hrsp-hero-copy p{
      color:#f8fafc;
      max-width:760px;
    }

    .hrsp-hero-copy a{
      color:#fed7aa;
    }

    .hrsp-lede{
      font-size:18px;
      line-height:1.75;
    }

    .hrsp-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.45);
    }

    .hrsp-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .hrsp-stat:nth-child(2){
      background:#eff6ff;
    }

    .hrsp-stat:nth-child(3){
      background:#fff7ed;
    }

    .hrsp-stat:nth-child(4){
      background:#f8fafc;
      border-right:0;
    }

    .hrsp-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .hrsp-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .hrsp-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .hrsp-alert strong{
      color:#9a3412;
      font-weight:900;
    }

    .hrsp-section{
      margin:46px 0;
    }

    .hrsp-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .hrsp-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .hrsp-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .hrsp-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .hrsp-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .hrsp-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .hrsp-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .hrsp-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .hrsp-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .hrsp-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .hrsp-card p:last-child{
      margin-bottom:0;
    }

    .hrsp-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .hrsp-list li{
      margin:0 0 12px;
    }

    .hrsp-split{
      display:grid;
      grid-template-columns:minmax(0,1fr) minmax(280px,360px);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .hrsp-side-card{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#1e3a8a,#0f172a);
      color:#fff;
      box-shadow:0 18px 42px rgba(30,58,138,.18);
    }

    .hrsp-side-card h3{
      color:#fff;
    }

    .hrsp-side-card p,
    .hrsp-side-card li{
      color:#e5e7eb;
      font-size:15px;
      line-height:1.6;
    }

    .hrsp-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .hrsp-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .hrsp-table th,
    .hrsp-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .hrsp-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .hrsp-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .hrsp-table tr:last-child td{
      border-bottom:0;
    }

    .hrsp-steps{
      margin:24px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .hrsp-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .hrsp-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#fff7ed;
      color:#c2410c;
      font-size:18px;
      font-weight:950;
    }

    .hrsp-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .hrsp-video-box{
      margin:28px 0 0;
      padding:20px;
      border-radius:26px;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border:1px solid #e2e8f0;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .hrsp-video-frame{
      position:relative;
      width:100%;
      padding-top:56.25%;
      border-radius:20px;
      overflow:hidden;
      background:#111827;
    }

    .hrsp-video-frame iframe{
      position:absolute;
      inset:0;
      width:100%;
      height:100%;
      border:0;
    }

    .hrsp-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .hrsp-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .hrsp-faq summary::-webkit-details-marker{
      display:none;
    }

    .hrsp-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .hrsp-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .hrsp-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .hrsp-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .hrsp-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .hrsp-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .hrsp-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .hrsp-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .hrsp-final-form input,
    .hrsp-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .hrsp-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .hrsp-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .hrsp-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .hrsp-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .hrsp-refs ol{
      margin:0;
      padding-left:20px;
    }

    .hrsp-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .hrsp-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .hrsp-author-top,
      .hrsp-hero-grid,
      .hrsp-stat-strip,
      .hrsp-grid-2,
      .hrsp-grid-3,
      .hrsp-split,
      .hrsp-steps{
        grid-template-columns:1fr;
      }

      .hrsp-author-date{
        text-align:left;
        white-space:normal;
      }

      .hrsp-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .hrsp-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .hrsp-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .hrsp-page h2{
        font-size:28px;
      }

      .hrsp-hero-copy{
        padding:24px;
      }

      .hrsp-hero-copy h2{
        font-size:31px;
      }

      .hrsp-form-col,
      .hrsp-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* ===============================================================
    https://loyainsurance.org/cheap-sr-22-insurance-from-loya-insurance-company/
    ================================================================= */
    .sr22-loya-page,
    .sr22-loya-page *{
      box-sizing:border-box;
    }

    .sr22-loya-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 60px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .sr22-loya-page p{
      margin:0 0 18px;
    }

    .sr22-loya-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
    }

    .sr22-loya-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .sr22-loya-page h3{
      margin:0 0 10px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .sr22-loya-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .sr22-author-card{
      margin:18px 0 30px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .sr22-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#fff7ed 0%,#ffffff 48%,#fef2f2 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .sr22-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .sr22-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#b45309;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .sr22-author-name{
      margin:0;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .sr22-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .sr22-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .sr22-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .sr22-author-body details{
      margin:0;
    }

    .sr22-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#b45309;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .sr22-author-body summary::-webkit-details-marker{
      display:none;
    }

    .sr22-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .sr22-author-body details[open] .sr22-caret{
      transform:rotate(180deg);
    }

    .sr22-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .sr22-author-panel p{
      margin:0 0 10px!important;
    }

    .sr22-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .sr22-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#9a3412;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .sr22-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#111827;
      border:1px solid #fed7aa;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .sr22-hero-grid{
      display:grid;
      grid-template-columns:minmax(0,1.04fr) minmax(330px,.96fr);
      min-height:485px;
    }

    .sr22-hero-copy{
      padding:46px;
      background:
        radial-gradient(circle at 16% 20%,rgba(251,146,60,.26),transparent 35%),
        radial-gradient(circle at 90% 88%,rgba(239,68,68,.20),transparent 38%),
        linear-gradient(135deg,#111827 0%,#1f2937 54%,#7c2d12 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .sr22-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .sr22-hero-copy h2{
      color:#fff;
      font-size:42px;
      max-width:760px;
    }

    .sr22-hero-copy p{
      color:#f8fafc;
      max-width:760px;
    }

    .sr22-hero-copy a{
      color:#fed7aa;
    }

    .sr22-lede{
      font-size:18px;
      line-height:1.75;
    }

    .sr22-hero-media{
      position:relative;
      min-height:485px;
      background:#111827;
    }

    .sr22-hero-media img{
      width:100%;
      height:100%;
      min-height:485px;
      display:block;
      object-fit:cover;
    }

    .sr22-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(180deg,rgba(15,23,42,.02),rgba(15,23,42,.48));
      pointer-events:none;
    }

    .sr22-hero-note{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.94);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 14px 32px rgba(15,23,42,.18);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .sr22-hero-note strong{
      display:block;
      color:#0f172a;
      font-size:15px;
      margin-bottom:5px;
    }

    .sr22-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .sr22-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .sr22-stat:nth-child(2){
      background:#eff6ff;
    }

    .sr22-stat:nth-child(3){
      background:#fff7ed;
    }

    .sr22-stat:nth-child(4){
      background:#fef2f2;
      border-right:0;
    }

    .sr22-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .sr22-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .sr22-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .sr22-alert strong{
      color:#9a3412;
      font-weight:900;
    }

    .sr22-section{
      margin:46px 0;
    }

    .sr22-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .sr22-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .sr22-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .sr22-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .sr22-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .sr22-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .sr22-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .sr22-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .sr22-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .sr22-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .sr22-card p:last-child{
      margin-bottom:0;
    }

    .sr22-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .sr22-list li{
      margin:0 0 12px;
    }

    .sr22-split{
      display:grid;
      grid-template-columns:minmax(280px,360px) minmax(0,1fr);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .sr22-side-card{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#7c2d12,#111827);
      color:#fff;
      box-shadow:0 18px 42px rgba(124,45,18,.18);
    }

    .sr22-side-card h3{
      color:#fff;
    }

    .sr22-side-card p,
    .sr22-side-card li{
      color:#e5e7eb;
      font-size:15px;
      line-height:1.6;
    }

    .sr22-proof-strip{
      display:grid;
      grid-template-columns:.95fr 1.05fr;
      gap:22px;
      align-items:stretch;
      margin:24px 0 0;
    }

    .sr22-proof-main{
      padding:26px;
      border-radius:26px;
      background:linear-gradient(135deg,#1e3a8a,#0f172a);
      color:#fff;
      box-shadow:0 18px 42px rgba(30,58,138,.16);
    }

    .sr22-proof-main h3{
      color:#fff;
    }

    .sr22-proof-main p,
    .sr22-proof-main li{
      color:#e5e7eb;
    }

    .sr22-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .sr22-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .sr22-table th,
    .sr22-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .sr22-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .sr22-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .sr22-table tr:last-child td{
      border-bottom:0;
    }

    .sr22-steps{
      margin:24px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .sr22-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .sr22-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#fff7ed;
      color:#c2410c;
      font-size:18px;
      font-weight:950;
    }

    .sr22-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .sr22-video-box{
      margin:28px 0 0;
      padding:20px;
      border-radius:26px;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border:1px solid #e2e8f0;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .sr22-video-frame{
      position:relative;
      width:100%;
      padding-top:56.25%;
      border-radius:20px;
      overflow:hidden;
      background:#111827;
    }

    .sr22-video-frame iframe{
      position:absolute;
      inset:0;
      width:100%;
      height:100%;
      border:0;
    }

    .sr22-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .sr22-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .sr22-faq summary::-webkit-details-marker{
      display:none;
    }

    .sr22-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .sr22-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .sr22-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .sr22-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .sr22-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .sr22-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .sr22-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .sr22-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .sr22-final-form input,
    .sr22-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .sr22-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .sr22-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .sr22-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .sr22-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .sr22-refs ol{
      margin:0;
      padding-left:20px;
    }

    .sr22-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .sr22-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .sr22-author-top,
      .sr22-hero-grid,
      .sr22-stat-strip,
      .sr22-grid-2,
      .sr22-grid-3,
      .sr22-split,
      .sr22-proof-strip,
      .sr22-steps{
        grid-template-columns:1fr;
      }

      .sr22-author-date{
        text-align:left;
        white-space:normal;
      }

      .sr22-hero-media{
        order:-1;
      }

      .sr22-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .sr22-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .sr22-loya-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .sr22-loya-page h2{
        font-size:28px;
      }

      .sr22-hero-copy{
        padding:24px;
      }

      .sr22-hero-copy h2{
        font-size:31px;
      }

      .sr22-form-col,
      .sr22-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* ==============================================================
    https://loyainsurance.org/impact-of-accidents-on-auto-insurance-rates/
    ================================================================= */
    .accident-rate-page,
    .accident-rate-page *{
      box-sizing:border-box;
    }

    .accident-rate-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 60px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .accident-rate-page p{
      margin:0 0 18px;
    }

    .accident-rate-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
    }

    .accident-rate-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .accident-rate-page h3{
      margin:0 0 10px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .accident-rate-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .accident-author-card{
      margin:18px 0 30px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .accident-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#eff6ff 0%,#ffffff 48%,#fff7ed 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .accident-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .accident-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#1e3a8a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .accident-author-name{
      margin:0;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .accident-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .accident-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .accident-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .accident-author-body details{
      margin:0;
    }

    .accident-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#b45309;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .accident-author-body summary::-webkit-details-marker{
      display:none;
    }

    .accident-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .accident-author-body details[open] .accident-caret{
      transform:rotate(180deg);
    }

    .accident-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .accident-author-panel p{
      margin:0 0 10px!important;
    }

    .accident-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .accident-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#eff6ff;
      border:1px solid #bfdbfe;
      color:#1e40af;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .accident-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#111827;
      border:1px solid #bfdbfe;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .accident-hero-grid{
      display:grid;
      grid-template-columns:minmax(330px,.92fr) minmax(0,1.08fr);
      min-height:485px;
    }

    .accident-hero-media{
      position:relative;
      min-height:485px;
      background:#111827;
    }

    .accident-hero-media img{
      width:100%;
      height:100%;
      min-height:485px;
      display:block;
      object-fit:cover;
    }

    .accident-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(180deg,rgba(15,23,42,.02),rgba(15,23,42,.48));
      pointer-events:none;
    }

    .accident-hero-note{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.94);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 14px 32px rgba(15,23,42,.18);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .accident-hero-note strong{
      display:block;
      color:#0f172a;
      font-size:15px;
      margin-bottom:5px;
    }

    .accident-hero-copy{
      padding:46px;
      background:
        radial-gradient(circle at 82% 18%,rgba(96,165,250,.26),transparent 34%),
        radial-gradient(circle at 16% 90%,rgba(251,146,60,.22),transparent 38%),
        linear-gradient(135deg,#111827 0%,#1e293b 55%,#1e3a8a 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .accident-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .accident-hero-copy h2{
      color:#fff;
      font-size:42px;
      max-width:760px;
    }

    .accident-hero-copy p{
      color:#f8fafc;
      max-width:760px;
    }

    .accident-hero-copy a{
      color:#fed7aa;
    }

    .accident-lede{
      font-size:18px;
      line-height:1.75;
    }

    .accident-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .accident-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .accident-stat:nth-child(2){
      background:#eff6ff;
    }

    .accident-stat:nth-child(3){
      background:#fff7ed;
    }

    .accident-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .accident-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .accident-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .accident-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#eff6ff;
      border:1px solid #bfdbfe;
      color:#1e3a8a;
      box-shadow:0 12px 30px rgba(30,58,138,.055);
    }

    .accident-alert strong{
      color:#1d4ed8;
      font-weight:900;
    }

    .accident-section{
      margin:46px 0;
    }

    .accident-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .accident-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .accident-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .accident-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .accident-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .accident-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .accident-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .accident-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .accident-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .accident-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .accident-card p:last-child{
      margin-bottom:0;
    }

    .accident-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .accident-list li{
      margin:0 0 12px;
    }

    .accident-split{
      display:grid;
      grid-template-columns:minmax(0,1fr) minmax(280px,360px);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .accident-side-card{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#1e3a8a,#0f172a);
      color:#fff;
      box-shadow:0 18px 42px rgba(30,58,138,.18);
    }

    .accident-side-card h3{
      color:#fff;
    }

    .accident-side-card p,
    .accident-side-card li{
      color:#e5e7eb;
      font-size:15px;
      line-height:1.6;
    }

    .accident-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .accident-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .accident-table th,
    .accident-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .accident-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .accident-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .accident-table tr:last-child td{
      border-bottom:0;
    }

    .accident-timeline{
      margin:24px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .accident-time-item{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .accident-time-item span{
      width:42px;
      height:42px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#eff6ff;
      color:#1d4ed8;
      font-size:16px;
      font-weight:950;
    }

    .accident-time-item p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .accident-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .accident-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .accident-faq summary::-webkit-details-marker{
      display:none;
    }

    .accident-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .accident-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .accident-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .accident-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .accident-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .accident-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .accident-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .accident-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .accident-final-form input,
    .accident-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .accident-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .accident-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .accident-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .accident-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .accident-refs ol{
      margin:0;
      padding-left:20px;
    }

    .accident-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .accident-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .accident-author-top,
      .accident-hero-grid,
      .accident-stat-strip,
      .accident-grid-2,
      .accident-grid-3,
      .accident-split,
      .accident-timeline{
        grid-template-columns:1fr;
      }

      .accident-author-date{
        text-align:left;
        white-space:normal;
      }

      .accident-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .accident-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .accident-rate-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .accident-rate-page h2{
        font-size:28px;
      }

      .accident-hero-copy{
        padding:24px;
      }

      .accident-hero-copy h2{
        font-size:31px;
      }

      .accident-form-col,
      .accident-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* ==============================================================
    https://loyainsurance.org/best-cheap-car-insurance-new-drivers/
    =============================================================== */
    .newdriver-page,
    .newdriver-page *{
      box-sizing:border-box;
    }

    .newdriver-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 60px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .newdriver-page p{
      margin:0 0 18px;
    }

    .newdriver-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
    }

    .newdriver-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .newdriver-page h3{
      margin:0 0 10px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .newdriver-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .newdriver-author-card{
      margin:18px 0 30px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .newdriver-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#ecfdf5 0%,#ffffff 48%,#eff6ff 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .newdriver-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .newdriver-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#047857;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .newdriver-author-name{
      margin:0;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .newdriver-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .newdriver-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .newdriver-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .newdriver-author-body details{
      margin:0;
    }

    .newdriver-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#b45309;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .newdriver-author-body summary::-webkit-details-marker{
      display:none;
    }

    .newdriver-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .newdriver-author-body details[open] .newdriver-caret{
      transform:rotate(180deg);
    }

    .newdriver-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .newdriver-author-panel p{
      margin:0 0 10px!important;
    }

    .newdriver-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .newdriver-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#ecfdf5;
      border:1px solid #bbf7d0;
      color:#166534;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .newdriver-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#111827;
      border:1px solid #bbf7d0;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .newdriver-hero-grid{
      display:grid;
      grid-template-columns:minmax(0,1.05fr) minmax(330px,.95fr);
      min-height:485px;
    }

    .newdriver-hero-copy{
      padding:46px;
      background:
        radial-gradient(circle at 16% 20%,rgba(34,197,94,.26),transparent 35%),
        radial-gradient(circle at 88% 86%,rgba(59,130,246,.22),transparent 38%),
        linear-gradient(135deg,#111827 0%,#1f2937 54%,#064e3b 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .newdriver-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .newdriver-hero-copy h2{
      color:#fff;
      font-size:42px;
      max-width:760px;
    }

    .newdriver-hero-copy p{
      color:#f8fafc;
      max-width:760px;
    }

    .newdriver-hero-copy a{
      color:#bbf7d0;
    }

    .newdriver-lede{
      font-size:18px;
      line-height:1.75;
    }

    .newdriver-hero-media{
      position:relative;
      min-height:485px;
      background:#111827;
    }

    .newdriver-hero-media img{
      width:100%;
      height:100%;
      min-height:485px;
      display:block;
      object-fit:cover;
    }

    .newdriver-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(180deg,rgba(15,23,42,.02),rgba(15,23,42,.48));
      pointer-events:none;
    }

    .newdriver-hero-note{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.94);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 14px 32px rgba(15,23,42,.18);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .newdriver-hero-note strong{
      display:block;
      color:#0f172a;
      font-size:15px;
      margin-bottom:5px;
    }

    .newdriver-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .newdriver-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .newdriver-stat:nth-child(2){
      background:#eff6ff;
    }

    .newdriver-stat:nth-child(3){
      background:#fff7ed;
    }

    .newdriver-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .newdriver-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .newdriver-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .newdriver-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#ecfdf5;
      border:1px solid #bbf7d0;
      color:#14532d;
      box-shadow:0 12px 30px rgba(20,83,45,.055);
    }

    .newdriver-alert strong{
      color:#166534;
      font-weight:900;
    }

    .newdriver-section{
      margin:46px 0;
    }

    .newdriver-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .newdriver-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .newdriver-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .newdriver-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .newdriver-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .newdriver-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .newdriver-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .newdriver-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .newdriver-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .newdriver-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .newdriver-card p:last-child{
      margin-bottom:0;
    }

    .newdriver-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .newdriver-list li{
      margin:0 0 12px;
    }

    .newdriver-split{
      display:grid;
      grid-template-columns:minmax(280px,360px) minmax(0,1fr);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .newdriver-side-card{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#065f46,#0f172a);
      color:#fff;
      box-shadow:0 18px 42px rgba(6,95,70,.18);
    }

    .newdriver-side-card h3{
      color:#fff;
    }

    .newdriver-side-card p,
    .newdriver-side-card li{
      color:#e5e7eb;
      font-size:15px;
      line-height:1.6;
    }

    .newdriver-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .newdriver-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .newdriver-table th,
    .newdriver-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .newdriver-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .newdriver-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .newdriver-table tr:last-child td{
      border-bottom:0;
    }

    .newdriver-steps{
      margin:24px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .newdriver-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .newdriver-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#ecfdf5;
      color:#047857;
      font-size:18px;
      font-weight:950;
    }

    .newdriver-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .newdriver-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .newdriver-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .newdriver-faq summary::-webkit-details-marker{
      display:none;
    }

    .newdriver-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .newdriver-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .newdriver-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .newdriver-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .newdriver-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .newdriver-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .newdriver-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .newdriver-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .newdriver-final-form input,
    .newdriver-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .newdriver-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .newdriver-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .newdriver-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .newdriver-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .newdriver-refs ol{
      margin:0;
      padding-left:20px;
    }

    .newdriver-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .newdriver-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .newdriver-author-top,
      .newdriver-hero-grid,
      .newdriver-stat-strip,
      .newdriver-grid-2,
      .newdriver-grid-3,
      .newdriver-split,
      .newdriver-steps{
        grid-template-columns:1fr;
      }

      .newdriver-author-date{
        text-align:left;
        white-space:normal;
      }

      .newdriver-hero-media{
        order:-1;
      }

      .newdriver-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .newdriver-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .newdriver-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .newdriver-page h2{
        font-size:28px;
      }

      .newdriver-hero-copy{
        padding:24px;
      }

      .newdriver-hero-copy h2{
        font-size:31px;
      }

      .newdriver-form-col,
      .newdriver-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* =============================================================
    https://loyainsurance.org/what-to-do-after-accident-uninsured-driver/
    ===================================================================== */
    .uad-page,
    .uad-page *{
      box-sizing:border-box;
    }

    .uad-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 60px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .uad-page p{
      margin:0 0 18px;
    }

    .uad-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
    }

    .uad-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .uad-page h3{
      margin:0 0 10px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .uad-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .uad-author-card{
      margin:18px 0 30px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .uad-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#fff7ed 0%,#ffffff 46%,#eff6ff 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .uad-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .uad-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#1e3a8a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .uad-author-name{
      margin:0;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .uad-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .uad-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .uad-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .uad-author-body details{
      margin:0;
    }

    .uad-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#b45309;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .uad-author-body summary::-webkit-details-marker{
      display:none;
    }

    .uad-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .uad-author-body details[open] .uad-caret{
      transform:rotate(180deg);
    }

    .uad-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .uad-author-panel p{
      margin:0 0 10px!important;
    }

    .uad-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .uad-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#eff6ff;
      border:1px solid #bfdbfe;
      color:#1e40af;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .uad-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#111827;
      border:1px solid #bfdbfe;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .uad-hero-grid{
      display:grid;
      grid-template-columns:minmax(0,1.04fr) minmax(330px,.96fr);
      min-height:485px;
    }

    .uad-hero-copy{
      padding:46px;
      background:
        radial-gradient(circle at 14% 20%,rgba(59,130,246,.27),transparent 35%),
        radial-gradient(circle at 88% 88%,rgba(251,146,60,.24),transparent 38%),
        linear-gradient(135deg,#111827 0%,#1f2937 54%,#1e3a8a 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .uad-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .uad-hero-copy h2{
      color:#fff;
      font-size:42px;
      max-width:760px;
    }

    .uad-hero-copy p{
      color:#f8fafc;
      max-width:760px;
    }

    .uad-hero-copy a{
      color:#fed7aa;
    }

    .uad-lede{
      font-size:18px;
      line-height:1.75;
    }

    .uad-hero-media{
      position:relative;
      min-height:485px;
      background:#111827;
    }

    .uad-hero-media img{
      width:100%;
      height:100%;
      min-height:485px;
      display:block;
      object-fit:cover;
    }

    .uad-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(180deg,rgba(15,23,42,.02),rgba(15,23,42,.50));
      pointer-events:none;
    }

    .uad-hero-note{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.94);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 14px 32px rgba(15,23,42,.18);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .uad-hero-note strong{
      display:block;
      color:#0f172a;
      font-size:15px;
      margin-bottom:5px;
    }

    .uad-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .uad-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .uad-stat:nth-child(2){
      background:#eff6ff;
    }

    .uad-stat:nth-child(3){
      background:#fff7ed;
    }

    .uad-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .uad-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .uad-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .uad-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#eff6ff;
      border:1px solid #bfdbfe;
      color:#1e3a8a;
      box-shadow:0 12px 30px rgba(30,58,138,.055);
    }

    .uad-alert strong{
      color:#1d4ed8;
      font-weight:900;
    }

    .uad-section{
      margin:46px 0;
    }

    .uad-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .uad-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .uad-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .uad-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .uad-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .uad-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .uad-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .uad-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .uad-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .uad-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .uad-card p:last-child{
      margin-bottom:0;
    }

    .uad-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .uad-list li{
      margin:0 0 12px;
    }

    .uad-split{
      display:grid;
      grid-template-columns:minmax(280px,360px) minmax(0,1fr);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .uad-side-card{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#1e3a8a,#0f172a);
      color:#fff;
      box-shadow:0 18px 42px rgba(30,58,138,.18);
    }

    .uad-side-card h3{
      color:#fff;
    }

    .uad-side-card p,
    .uad-side-card li{
      color:#e5e7eb;
      font-size:15px;
      line-height:1.6;
    }

    .uad-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .uad-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .uad-table th,
    .uad-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .uad-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .uad-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .uad-table tr:last-child td{
      border-bottom:0;
    }

    .uad-steps{
      margin:24px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .uad-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .uad-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#eff6ff;
      color:#1d4ed8;
      font-size:18px;
      font-weight:950;
    }

    .uad-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .uad-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .uad-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .uad-faq summary::-webkit-details-marker{
      display:none;
    }

    .uad-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .uad-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .uad-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .uad-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .uad-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .uad-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .uad-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .uad-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .uad-final-form input,
    .uad-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .uad-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .uad-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .uad-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .uad-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .uad-refs ol{
      margin:0;
      padding-left:20px;
    }

    .uad-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .uad-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .uad-author-top,
      .uad-hero-grid,
      .uad-stat-strip,
      .uad-grid-2,
      .uad-grid-3,
      .uad-split,
      .uad-steps{
        grid-template-columns:1fr;
      }

      .uad-author-date{
        text-align:left;
        white-space:normal;
      }

      .uad-hero-media{
        order:-1;
      }

      .uad-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .uad-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .uad-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .uad-page h2{
        font-size:28px;
      }

      .uad-hero-copy{
        padding:24px;
      }

      .uad-hero-copy h2{
        font-size:31px;
      }

      .uad-form-col,
      .uad-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* ================================================================
    https://loyainsurance.org/loya-auto-insurance-coverage-first-time-drivers/
    ================================================================= */
    .loyaft-page,
    .loyaft-page *{
      box-sizing:border-box;
    }

    .loyaft-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 60px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .loyaft-page p{
      margin:0 0 18px;
    }

    .loyaft-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
    }

    .loyaft-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .loyaft-page h3{
      margin:0 0 10px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .loyaft-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .loyaft-author-card{
      margin:18px 0 30px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .loyaft-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#eff6ff 0%,#ffffff 46%,#fff7ed 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .loyaft-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .loyaft-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#1e3a8a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .loyaft-author-name{
      margin:0;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .loyaft-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .loyaft-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .loyaft-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .loyaft-author-body details{
      margin:0;
    }

    .loyaft-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#b45309;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .loyaft-author-body summary::-webkit-details-marker{
      display:none;
    }

    .loyaft-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .loyaft-author-body details[open] .loyaft-caret{
      transform:rotate(180deg);
    }

    .loyaft-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .loyaft-author-panel p{
      margin:0 0 10px!important;
    }

    .loyaft-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .loyaft-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#eff6ff;
      border:1px solid #bfdbfe;
      color:#1e40af;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .loyaft-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#111827;
      border:1px solid #bfdbfe;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .loyaft-hero-grid{
      display:grid;
      grid-template-columns:minmax(330px,.94fr) minmax(0,1.06fr);
      min-height:485px;
    }

    .loyaft-hero-media{
      position:relative;
      min-height:485px;
      background:#111827;
    }

    .loyaft-hero-media img{
      width:100%;
      height:100%;
      min-height:485px;
      display:block;
      object-fit:cover;
    }

    .loyaft-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(180deg,rgba(15,23,42,.02),rgba(15,23,42,.48));
      pointer-events:none;
    }

    .loyaft-hero-note{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.94);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 14px 32px rgba(15,23,42,.18);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .loyaft-hero-note strong{
      display:block;
      color:#0f172a;
      font-size:15px;
      margin-bottom:5px;
    }

    .loyaft-hero-copy{
      padding:46px;
      background:
        radial-gradient(circle at 85% 18%,rgba(59,130,246,.26),transparent 35%),
        radial-gradient(circle at 14% 88%,rgba(251,146,60,.24),transparent 38%),
        linear-gradient(135deg,#111827 0%,#1f2937 54%,#1e3a8a 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .loyaft-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .loyaft-hero-copy h2{
      color:#fff;
      font-size:42px;
      max-width:760px;
    }

    .loyaft-hero-copy p{
      color:#f8fafc;
      max-width:760px;
    }

    .loyaft-hero-copy a{
      color:#fed7aa;
    }

    .loyaft-lede{
      font-size:18px;
      line-height:1.75;
    }

    .loyaft-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .loyaft-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .loyaft-stat:nth-child(2){
      background:#eff6ff;
    }

    .loyaft-stat:nth-child(3){
      background:#fff7ed;
    }

    .loyaft-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .loyaft-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .loyaft-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .loyaft-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#eff6ff;
      border:1px solid #bfdbfe;
      color:#1e3a8a;
      box-shadow:0 12px 30px rgba(30,58,138,.055);
    }

    .loyaft-alert strong{
      color:#1d4ed8;
      font-weight:900;
    }

    .loyaft-section{
      margin:46px 0;
    }

    .loyaft-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .loyaft-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .loyaft-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .loyaft-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .loyaft-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .loyaft-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .loyaft-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .loyaft-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .loyaft-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .loyaft-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .loyaft-card p:last-child{
      margin-bottom:0;
    }

    .loyaft-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .loyaft-list li{
      margin:0 0 12px;
    }

    .loyaft-split{
      display:grid;
      grid-template-columns:minmax(0,1fr) minmax(280px,360px);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .loyaft-side-card{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#1e3a8a,#0f172a);
      color:#fff;
      box-shadow:0 18px 42px rgba(30,58,138,.18);
    }

    .loyaft-side-card h3{
      color:#fff;
    }

    .loyaft-side-card p,
    .loyaft-side-card li{
      color:#e5e7eb;
      font-size:15px;
      line-height:1.6;
    }

    .loyaft-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .loyaft-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .loyaft-table th,
    .loyaft-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .loyaft-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .loyaft-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .loyaft-table tr:last-child td{
      border-bottom:0;
    }

    .loyaft-steps{
      margin:24px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .loyaft-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .loyaft-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#eff6ff;
      color:#1d4ed8;
      font-size:18px;
      font-weight:950;
    }

    .loyaft-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .loyaft-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .loyaft-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .loyaft-faq summary::-webkit-details-marker{
      display:none;
    }

    .loyaft-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .loyaft-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .loyaft-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .loyaft-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .loyaft-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .loyaft-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .loyaft-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .loyaft-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .loyaft-final-form input,
    .loyaft-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .loyaft-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .loyaft-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .loyaft-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .loyaft-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .loyaft-refs ol{
      margin:0;
      padding-left:20px;
    }

    .loyaft-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .loyaft-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .loyaft-author-top,
      .loyaft-hero-grid,
      .loyaft-stat-strip,
      .loyaft-grid-2,
      .loyaft-grid-3,
      .loyaft-split,
      .loyaft-steps{
        grid-template-columns:1fr;
      }

      .loyaft-author-date{
        text-align:left;
        white-space:normal;
      }

      .loyaft-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .loyaft-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .loyaft-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .loyaft-page h2{
        font-size:28px;
      }

      .loyaft-hero-copy{
        padding:24px;
      }

      .loyaft-hero-copy h2{
        font-size:31px;
      }

      .loyaft-form-col,
      .loyaft-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* ===========================================================
    https://loyainsurance.org/switch-high-risk-auto-insurance-save-money/
    ============================================================= */
    .hrsave-page,
    .hrsave-page *{
      box-sizing:border-box;
    }

    .hrsave-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 60px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .hrsave-page p{
      margin:0 0 18px;
    }

    .hrsave-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
    }

    .hrsave-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .hrsave-page h3{
      margin:0 0 10px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .hrsave-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .hrsave-author-card{
      margin:18px 0 30px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .hrsave-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#fff7ed 0%,#ffffff 48%,#eff6ff 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .hrsave-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .hrsave-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#b45309;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .hrsave-author-name{
      margin:0;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .hrsave-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .hrsave-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .hrsave-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .hrsave-author-body details{
      margin:0;
    }

    .hrsave-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#b45309;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .hrsave-author-body summary::-webkit-details-marker{
      display:none;
    }

    .hrsave-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .hrsave-author-body details[open] .hrsave-caret{
      transform:rotate(180deg);
    }

    .hrsave-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .hrsave-author-panel p{
      margin:0 0 10px!important;
    }

    .hrsave-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .hrsave-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#9a3412;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .hrsave-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#111827;
      border:1px solid #fed7aa;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .hrsave-hero-grid{
      display:grid;
      grid-template-columns:minmax(0,1.05fr) minmax(330px,.95fr);
      min-height:485px;
    }

    .hrsave-hero-copy{
      padding:46px;
      background:
        radial-gradient(circle at 15% 18%,rgba(251,146,60,.26),transparent 34%),
        radial-gradient(circle at 90% 88%,rgba(59,130,246,.24),transparent 38%),
        linear-gradient(135deg,#111827 0%,#1f2937 54%,#7c2d12 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .hrsave-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .hrsave-hero-copy h2{
      color:#fff;
      font-size:42px;
      max-width:760px;
    }

    .hrsave-hero-copy p{
      color:#f8fafc;
      max-width:760px;
    }

    .hrsave-hero-copy a{
      color:#fed7aa;
    }

    .hrsave-lede{
      font-size:18px;
      line-height:1.75;
    }

    .hrsave-hero-media{
      position:relative;
      min-height:485px;
      background:#111827;
    }

    .hrsave-hero-media img{
      width:100%;
      height:100%;
      min-height:485px;
      display:block;
      object-fit:cover;
    }

    .hrsave-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(180deg,rgba(15,23,42,.02),rgba(15,23,42,.48));
      pointer-events:none;
    }

    .hrsave-hero-note{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.94);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 14px 32px rgba(15,23,42,.18);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .hrsave-hero-note strong{
      display:block;
      color:#0f172a;
      font-size:15px;
      margin-bottom:5px;
    }

    .hrsave-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .hrsave-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .hrsave-stat:nth-child(2){
      background:#eff6ff;
    }

    .hrsave-stat:nth-child(3){
      background:#fff7ed;
    }

    .hrsave-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .hrsave-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .hrsave-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .hrsave-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .hrsave-alert strong{
      color:#9a3412;
      font-weight:900;
    }

    .hrsave-section{
      margin:46px 0;
    }

    .hrsave-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .hrsave-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .hrsave-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .hrsave-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .hrsave-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .hrsave-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .hrsave-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .hrsave-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .hrsave-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .hrsave-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .hrsave-card p:last-child{
      margin-bottom:0;
    }

    .hrsave-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .hrsave-list li{
      margin:0 0 12px;
    }

    .hrsave-split{
      display:grid;
      grid-template-columns:minmax(280px,360px) minmax(0,1fr);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .hrsave-side-card{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#7c2d12,#111827);
      color:#fff;
      box-shadow:0 18px 42px rgba(124,45,18,.18);
    }

    .hrsave-side-card h3{
      color:#fff;
    }

    .hrsave-side-card p,
    .hrsave-side-card li{
      color:#e5e7eb;
      font-size:15px;
      line-height:1.6;
    }

    .hrsave-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .hrsave-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .hrsave-table th,
    .hrsave-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .hrsave-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .hrsave-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .hrsave-table tr:last-child td{
      border-bottom:0;
    }

    .hrsave-steps{
      margin:24px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .hrsave-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .hrsave-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#fff7ed;
      color:#c2410c;
      font-size:18px;
      font-weight:950;
    }

    .hrsave-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .hrsave-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .hrsave-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .hrsave-faq summary::-webkit-details-marker{
      display:none;
    }

    .hrsave-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .hrsave-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .hrsave-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .hrsave-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .hrsave-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .hrsave-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .hrsave-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .hrsave-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .hrsave-final-form input,
    .hrsave-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .hrsave-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .hrsave-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .hrsave-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .hrsave-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .hrsave-refs ol{
      margin:0;
      padding-left:20px;
    }

    .hrsave-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .hrsave-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .hrsave-author-top,
      .hrsave-hero-grid,
      .hrsave-stat-strip,
      .hrsave-grid-2,
      .hrsave-grid-3,
      .hrsave-split,
      .hrsave-steps{
        grid-template-columns:1fr;
      }

      .hrsave-author-date{
        text-align:left;
        white-space:normal;
      }

      .hrsave-hero-media{
        order:-1;
      }

      .hrsave-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .hrsave-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .hrsave-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .hrsave-page h2{
        font-size:28px;
      }

      .hrsave-hero-copy{
        padding:24px;
      }

      .hrsave-hero-copy h2{
        font-size:31px;
      }

      .hrsave-form-col,
      .hrsave-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* =======================================================
    https://loyainsurance.org/compare-uninsured-motorist-coverage-plans/
    ========================================================= */
    .umcompare-page,
    .umcompare-page *{
      box-sizing:border-box;
    }

    .umcompare-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 60px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .umcompare-page p{
      margin:0 0 18px;
    }

    .umcompare-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
    }

    .umcompare-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .umcompare-page h3{
      margin:0 0 10px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .umcompare-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .umcompare-author-card{
      margin:18px 0 30px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .umcompare-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#ecfdf5 0%,#ffffff 46%,#eff6ff 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .umcompare-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .umcompare-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#065f46;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .umcompare-author-name{
      margin:0;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .umcompare-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .umcompare-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .umcompare-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .umcompare-author-body details{
      margin:0;
    }

    .umcompare-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#b45309;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .umcompare-author-body summary::-webkit-details-marker{
      display:none;
    }

    .umcompare-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .umcompare-author-body details[open] .umcompare-caret{
      transform:rotate(180deg);
    }

    .umcompare-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .umcompare-author-panel p{
      margin:0 0 10px!important;
    }

    .umcompare-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .umcompare-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#ecfdf5;
      border:1px solid #bbf7d0;
      color:#166534;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .umcompare-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#111827;
      border:1px solid #bbf7d0;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .umcompare-hero-grid{
      display:grid;
      grid-template-columns:minmax(0,1.05fr) minmax(330px,.95fr);
      min-height:485px;
    }

    .umcompare-hero-copy{
      padding:46px;
      background:
        radial-gradient(circle at 16% 18%,rgba(34,197,94,.25),transparent 34%),
        radial-gradient(circle at 88% 88%,rgba(59,130,246,.24),transparent 38%),
        linear-gradient(135deg,#111827 0%,#1f2937 54%,#064e3b 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .umcompare-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .umcompare-hero-copy h2{
      color:#fff;
      font-size:42px;
      max-width:760px;
    }

    .umcompare-hero-copy p{
      color:#f8fafc;
      max-width:760px;
    }

    .umcompare-hero-copy a{
      color:#bbf7d0;
    }

    .umcompare-lede{
      font-size:18px;
      line-height:1.75;
    }

    .umcompare-hero-media{
      position:relative;
      min-height:485px;
      background:#111827;
    }

    .umcompare-hero-media img{
      width:100%;
      height:100%;
      min-height:485px;
      display:block;
      object-fit:cover;
    }

    .umcompare-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(180deg,rgba(15,23,42,.02),rgba(15,23,42,.48));
      pointer-events:none;
    }

    .umcompare-hero-note{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.94);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 14px 32px rgba(15,23,42,.18);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .umcompare-hero-note strong{
      display:block;
      color:#0f172a;
      font-size:15px;
      margin-bottom:5px;
    }

    .umcompare-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .umcompare-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .umcompare-stat:nth-child(2){
      background:#eff6ff;
    }

    .umcompare-stat:nth-child(3){
      background:#fff7ed;
    }

    .umcompare-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .umcompare-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .umcompare-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .umcompare-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#ecfdf5;
      border:1px solid #bbf7d0;
      color:#14532d;
      box-shadow:0 12px 30px rgba(20,83,45,.055);
    }

    .umcompare-alert strong{
      color:#166534;
      font-weight:900;
    }

    .umcompare-section{
      margin:46px 0;
    }

    .umcompare-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .umcompare-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .umcompare-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .umcompare-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .umcompare-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .umcompare-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .umcompare-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .umcompare-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .umcompare-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .umcompare-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .umcompare-card p:last-child{
      margin-bottom:0;
    }

    .umcompare-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .umcompare-list li{
      margin:0 0 12px;
    }

    .umcompare-split{
      display:grid;
      grid-template-columns:minmax(280px,360px) minmax(0,1fr);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .umcompare-side-card{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#065f46,#0f172a);
      color:#fff;
      box-shadow:0 18px 42px rgba(6,95,70,.18);
    }

    .umcompare-side-card h3{
      color:#fff;
    }

    .umcompare-side-card p,
    .umcompare-side-card li{
      color:#e5e7eb;
      font-size:15px;
      line-height:1.6;
    }

    .umcompare-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .umcompare-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .umcompare-table th,
    .umcompare-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .umcompare-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .umcompare-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .umcompare-table tr:last-child td{
      border-bottom:0;
    }

    .umcompare-steps{
      margin:24px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .umcompare-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .umcompare-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#ecfdf5;
      color:#047857;
      font-size:18px;
      font-weight:950;
    }

    .umcompare-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .umcompare-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .umcompare-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .umcompare-faq summary::-webkit-details-marker{
      display:none;
    }

    .umcompare-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .umcompare-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .umcompare-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .umcompare-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .umcompare-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .umcompare-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .umcompare-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .umcompare-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .umcompare-final-form input,
    .umcompare-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .umcompare-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .umcompare-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .umcompare-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .umcompare-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .umcompare-refs ol{
      margin:0;
      padding-left:20px;
    }

    .umcompare-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .umcompare-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .umcompare-author-top,
      .umcompare-hero-grid,
      .umcompare-stat-strip,
      .umcompare-grid-2,
      .umcompare-grid-3,
      .umcompare-split,
      .umcompare-steps{
        grid-template-columns:1fr;
      }

      .umcompare-author-date{
        text-align:left;
        white-space:normal;
      }

      .umcompare-hero-media{
        order:-1;
      }

      .umcompare-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .umcompare-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .umcompare-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .umcompare-page h2{
        font-size:28px;
      }

      .umcompare-hero-copy{
        padding:24px;
      }

      .umcompare-hero-copy h2{
        font-size:31px;
      }

      .umcompare-form-col,
      .umcompare-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* =============================================================
    https://loyainsurance.org/essential-uninsured-motorist-coverage-texas/
    ================================================================ */
    .txum-page,
    .txum-page *{
      box-sizing:border-box;
    }

    .txum-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 60px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .txum-page p{
      margin:0 0 18px;
    }

    .txum-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
    }

    .txum-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .txum-page h3{
      margin:0 0 10px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .txum-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .txum-author-card{
      margin:18px 0 30px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .txum-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#fff7ed 0%,#ffffff 48%,#eff6ff 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .txum-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .txum-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#b45309;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .txum-author-name{
      margin:0;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .txum-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .txum-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .txum-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .txum-author-body details{
      margin:0;
    }

    .txum-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#b45309;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .txum-author-body summary::-webkit-details-marker{
      display:none;
    }

    .txum-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .txum-author-body details[open] .txum-caret{
      transform:rotate(180deg);
    }

    .txum-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .txum-author-panel p{
      margin:0 0 10px!important;
    }

    .txum-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .txum-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#9a3412;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .txum-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#111827;
      border:1px solid #fed7aa;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .txum-hero-grid{
      display:grid;
      grid-template-columns:minmax(330px,.94fr) minmax(0,1.06fr);
      min-height:485px;
    }

    .txum-hero-media{
      position:relative;
      min-height:485px;
      background:#111827;
    }

    .txum-hero-media img{
      width:100%;
      height:100%;
      min-height:485px;
      display:block;
      object-fit:cover;
    }

    .txum-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(180deg,rgba(15,23,42,.02),rgba(15,23,42,.48));
      pointer-events:none;
    }

    .txum-hero-note{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.94);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 14px 32px rgba(15,23,42,.18);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .txum-hero-note strong{
      display:block;
      color:#0f172a;
      font-size:15px;
      margin-bottom:5px;
    }

    .txum-hero-copy{
      padding:46px;
      background:
        radial-gradient(circle at 84% 18%,rgba(251,146,60,.26),transparent 34%),
        radial-gradient(circle at 14% 88%,rgba(59,130,246,.24),transparent 38%),
        linear-gradient(135deg,#111827 0%,#1f2937 54%,#7c2d12 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .txum-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .txum-hero-copy h2{
      color:#fff;
      font-size:42px;
      max-width:760px;
    }

    .txum-hero-copy p{
      color:#f8fafc;
      max-width:760px;
    }

    .txum-hero-copy a{
      color:#fed7aa;
    }

    .txum-lede{
      font-size:18px;
      line-height:1.75;
    }

    .txum-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .txum-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .txum-stat:nth-child(2){
      background:#eff6ff;
    }

    .txum-stat:nth-child(3){
      background:#fff7ed;
    }

    .txum-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .txum-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .txum-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .txum-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .txum-alert strong{
      color:#9a3412;
      font-weight:900;
    }

    .txum-section{
      margin:46px 0;
    }

    .txum-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .txum-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .txum-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .txum-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .txum-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .txum-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .txum-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .txum-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .txum-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .txum-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .txum-card p:last-child{
      margin-bottom:0;
    }

    .txum-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .txum-list li{
      margin:0 0 12px;
    }

    .txum-split{
      display:grid;
      grid-template-columns:minmax(0,1fr) minmax(280px,360px);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .txum-side-card{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#7c2d12,#111827);
      color:#fff;
      box-shadow:0 18px 42px rgba(124,45,18,.18);
    }

    .txum-side-card h3{
      color:#fff;
    }

    .txum-side-card p,
    .txum-side-card li{
      color:#e5e7eb;
      font-size:15px;
      line-height:1.6;
    }

    .txum-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .txum-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .txum-table th,
    .txum-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .txum-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .txum-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .txum-table tr:last-child td{
      border-bottom:0;
    }

    .txum-steps{
      margin:24px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .txum-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .txum-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#fff7ed;
      color:#c2410c;
      font-size:18px;
      font-weight:950;
    }

    .txum-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .txum-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .txum-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .txum-faq summary::-webkit-details-marker{
      display:none;
    }

    .txum-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .txum-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .txum-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .txum-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .txum-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .txum-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .txum-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .txum-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .txum-final-form input,
    .txum-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .txum-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .txum-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .txum-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .txum-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .txum-refs ol{
      margin:0;
      padding-left:20px;
    }

    .txum-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .txum-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .txum-author-top,
      .txum-hero-grid,
      .txum-stat-strip,
      .txum-grid-2,
      .txum-grid-3,
      .txum-split,
      .txum-steps{
        grid-template-columns:1fr;
      }

      .txum-author-date{
        text-align:left;
        white-space:normal;
      }

      .txum-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .txum-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .txum-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .txum-page h2{
        font-size:28px;
      }

      .txum-hero-copy{
        padding:24px;
      }

      .txum-hero-copy h2{
        font-size:31px;
      }

      .txum-form-col,
      .txum-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* ============================================================
    https://loyainsurance.org/loya-insurance-company-non-owner-coverage/
    =================================================================== */
     .nonowner-page,
    .nonowner-page *{
      box-sizing:border-box;
    }

    .nonowner-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 60px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .nonowner-page p{
      margin:0 0 18px;
    }

    .nonowner-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
    }

    .nonowner-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .nonowner-page h3{
      margin:0 0 10px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .nonowner-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .nonowner-author-card{
      margin:18px 0 30px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .nonowner-author-top{
      display:grid;
      grid-template-columns:minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#eff6ff 0%,#ffffff 48%,#fff7ed 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .nonowner-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#1e3a8a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .nonowner-author-name{
      margin:0;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .nonowner-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .nonowner-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .nonowner-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .nonowner-author-body details{
      margin:0;
    }

    .nonowner-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#b45309;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .nonowner-author-body summary::-webkit-details-marker{
      display:none;
    }

    .nonowner-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .nonowner-author-body details[open] .nonowner-caret{
      transform:rotate(180deg);
    }

    .nonowner-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .nonowner-author-panel p{
      margin:0 0 10px!important;
    }

    .nonowner-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .nonowner-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#eff6ff;
      border:1px solid #bfdbfe;
      color:#1e40af;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .nonowner-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#111827;
      border:1px solid #bfdbfe;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .nonowner-hero-grid{
      display:grid;
      grid-template-columns:minmax(0,1.05fr) minmax(330px,.95fr);
      min-height:485px;
    }

    .nonowner-hero-copy{
      padding:46px;
      background:
        radial-gradient(circle at 16% 20%,rgba(59,130,246,.26),transparent 35%),
        radial-gradient(circle at 88% 88%,rgba(251,146,60,.24),transparent 38%),
        linear-gradient(135deg,#111827 0%,#1f2937 54%,#1e3a8a 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .nonowner-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .nonowner-hero-copy h2{
      color:#fff;
      font-size:42px;
      max-width:760px;
    }

    .nonowner-hero-copy p{
      color:#f8fafc;
      max-width:760px;
    }

    .nonowner-hero-copy a{
      color:#fed7aa;
    }

    .nonowner-lede{
      font-size:18px;
      line-height:1.75;
    }

    .nonowner-hero-media{
      position:relative;
      min-height:485px;
      background:#111827;
    }

    .nonowner-hero-media img{
      width:100%;
      height:100%;
      min-height:485px;
      display:block;
      object-fit:cover;
    }

    .nonowner-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(180deg,rgba(15,23,42,.02),rgba(15,23,42,.48));
      pointer-events:none;
    }

    .nonowner-hero-note{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.94);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 14px 32px rgba(15,23,42,.18);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .nonowner-hero-note strong{
      display:block;
      color:#0f172a;
      font-size:15px;
      margin-bottom:5px;
    }

    .nonowner-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .nonowner-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .nonowner-stat:nth-child(2){
      background:#eff6ff;
    }

    .nonowner-stat:nth-child(3){
      background:#fff7ed;
    }

    .nonowner-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .nonowner-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .nonowner-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .nonowner-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#eff6ff;
      border:1px solid #bfdbfe;
      color:#1e3a8a;
      box-shadow:0 12px 30px rgba(30,58,138,.055);
    }

    .nonowner-alert strong{
      color:#1d4ed8;
      font-weight:900;
    }

    .nonowner-section{
      margin:46px 0;
    }

    .nonowner-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .nonowner-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .nonowner-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .nonowner-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .nonowner-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .nonowner-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .nonowner-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .nonowner-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .nonowner-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .nonowner-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .nonowner-card p:last-child{
      margin-bottom:0;
    }

    .nonowner-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .nonowner-list li{
      margin:0 0 12px;
    }

    .nonowner-split{
      display:grid;
      grid-template-columns:minmax(280px,360px) minmax(0,1fr);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .nonowner-side-card{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#1e3a8a,#0f172a);
      color:#fff;
      box-shadow:0 18px 42px rgba(30,58,138,.18);
    }

    .nonowner-side-card h3{
      color:#fff;
    }

    .nonowner-side-card p,
    .nonowner-side-card li{
      color:#e5e7eb;
      font-size:15px;
      line-height:1.6;
    }

    .nonowner-image-card{
      margin:26px 0;
      padding:18px;
      border-radius:26px;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border:1px solid #e2e8f0;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .nonowner-image-card img{
      width:100%;
      height:auto;
      display:block;
      border-radius:20px;
    }

    .nonowner-image-card figcaption{
      margin-top:10px;
      color:#64748b;
      font-size:13px;
      line-height:1.5;
      text-align:center;
    }

    .nonowner-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .nonowner-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .nonowner-table th,
    .nonowner-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .nonowner-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .nonowner-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .nonowner-table tr:last-child td{
      border-bottom:0;
    }

    .nonowner-steps{
      margin:24px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .nonowner-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .nonowner-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#eff6ff;
      color:#1d4ed8;
      font-size:18px;
      font-weight:950;
    }

    .nonowner-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .nonowner-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .nonowner-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .nonowner-faq summary::-webkit-details-marker{
      display:none;
    }

    .nonowner-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .nonowner-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .nonowner-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .nonowner-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .nonowner-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .nonowner-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .nonowner-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .nonowner-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .nonowner-final-form input,
    .nonowner-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .nonowner-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .nonowner-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .nonowner-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .nonowner-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .nonowner-refs ol{
      margin:0;
      padding-left:20px;
    }

    .nonowner-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .nonowner-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .nonowner-author-top,
      .nonowner-hero-grid,
      .nonowner-stat-strip,
      .nonowner-grid-2,
      .nonowner-grid-3,
      .nonowner-split,
      .nonowner-steps{
        grid-template-columns:1fr;
      }

      .nonowner-author-date{
        text-align:left;
        white-space:normal;
      }

      .nonowner-hero-media{
        order:-1;
      }

      .nonowner-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .nonowner-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .nonowner-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .nonowner-page h2{
        font-size:28px;
      }

      .nonowner-hero-copy{
        padding:24px;
      }

      .nonowner-hero-copy h2{
        font-size:31px;
      }

      .nonowner-form-col,
      .nonowner-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* ================================================================
    https://loyainsurance.org/car-insurance-basics/
    ===================================================== */
    .carbasics-page,
    .carbasics-page *{
      box-sizing:border-box;
    }

    .carbasics-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 60px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
      font-family:inherit;
      overflow:hidden;
    }

    .carbasics-page p{
      margin:0 0 18px;
    }

    .carbasics-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
      font-weight:750;
    }

    .carbasics-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .carbasics-page h3{
      margin:0 0 10px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .carbasics-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .jt-author-card{
      width:100%;
      max-width:940px;
      margin:18px auto 30px;
      border:1px solid #e2e8f0;
      border-radius:18px;
      background:linear-gradient(135deg,#eff6ff 0%,#ffffff 56%,#fff7ed 100%);
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .jt-author-row{
      display:flex;
      align-items:center;
      gap:16px;
      padding:18px 20px;
    }

    .jt-author-photo,
    .jt-author-avatar{
      width:58px;
      height:58px;
      min-width:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .jt-author-avatar{
      display:flex;
      align-items:center;
      justify-content:center;
      background:#1e3a8a;
      color:#fff;
      font-size:18px;
      font-weight:900;
    }

    .jt-author-content{
      flex:1;
      min-width:0;
    }

    .jt-author-topline{
      display:flex;
      align-items:center;
      gap:12px;
      flex-wrap:wrap;
      color:#0f172a;
      font-size:15px;
      line-height:1.35;
    }

    .jt-author-topline strong{
      font-size:18px;
      color:#0f172a;
      font-weight:900;
    }

    .jt-author-topline span{
      color:#64748b;
      font-size:14px;
    }

    .jt-author-badge{
      display:inline-flex;
      align-items:center;
      padding:6px 11px;
      border-radius:999px;
      background:#1e3a8a;
      color:#fff!important;
      font-size:12px!important;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
      white-space:nowrap;
    }

    .jt-author-details{
      margin-top:8px;
    }

    .jt-author-details summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:6px;
      color:#b45309;
      font-size:13px;
      font-weight:850;
      list-style:none;
    }

    .jt-author-details summary::-webkit-details-marker{
      display:none;
    }

    .jt-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:780px;
      border-radius:14px;
      background:#fff;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .jt-author-panel p{
      margin:0 0 10px!important;
    }

    .jt-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .jt-author-date{
      min-width:180px;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .carbasics-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#111827;
      border:1px solid #bfdbfe;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .carbasics-hero-grid{
      display:grid;
      grid-template-columns:minmax(0,1.05fr) minmax(300px,.78fr);
      min-height:485px;
    }

    .carbasics-hero-copy{
      padding:46px;
      background:
        radial-gradient(circle at 14% 20%,rgba(59,130,246,.27),transparent 35%),
        radial-gradient(circle at 88% 88%,rgba(251,146,60,.24),transparent 38%),
        linear-gradient(135deg,#111827 0%,#1f2937 54%,#1e3a8a 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .carbasics-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .carbasics-page-title{
      display:block;
      color:#fff;
      font-size:clamp(34px,5vw,46px);
      line-height:1.05;
      letter-spacing:-.04em;
      font-weight:950;
      max-width:760px;
      margin:0 0 18px!important;
    }

    .carbasics-hero-copy p{
      color:#f8fafc;
      max-width:760px;
    }

    .carbasics-hero-copy a{
      color:#fed7aa;
    }

    .carbasics-lede{
      font-size:18px;
      line-height:1.75;
    }

    .carbasics-hero-panel{
      padding:28px;
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      display:flex;
      align-items:center;
      justify-content:center;
    }

    .carbasics-hero-panel-card{
      width:100%;
      border-radius:26px;
      padding:26px;
      background:#fff;
      border:1px solid #bfdbfe;
      box-shadow:0 18px 42px rgba(15,23,42,.10);
    }

    .carbasics-hero-panel-card h3{
      color:#1e3a8a;
      font-size:24px;
      margin-bottom:14px;
    }

    .carbasics-hero-checklist{
      margin:0;
      padding:0;
      list-style:none;
    }

    .carbasics-hero-checklist li{
      display:flex;
      gap:10px;
      align-items:flex-start;
      margin:0 0 14px;
      color:#475569;
      font-size:15px;
      line-height:1.55;
    }

    .carbasics-hero-checklist li:last-child{
      margin-bottom:0;
    }

    .carbasics-hero-checklist span{
      width:24px;
      height:24px;
      min-width:24px;
      border-radius:999px;
      display:flex;
      align-items:center;
      justify-content:center;
      background:#eff6ff;
      color:#1e3a8a;
      font-weight:950;
      font-size:13px;
      border:1px solid #bfdbfe;
    }

    .carbasics-hero-note{
      margin-top:18px;
      padding:15px 16px;
      border-radius:18px;
      background:#0f172a;
      color:#e5e7eb;
      font-size:14px;
      line-height:1.55;
    }

    .carbasics-hero-note strong{
      display:block;
      color:#fff;
      margin-bottom:5px;
    }

    .carbasics-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .carbasics-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .carbasics-stat:nth-child(2){
      background:#eff6ff;
    }

    .carbasics-stat:nth-child(3){
      background:#fff7ed;
    }

    .carbasics-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .carbasics-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .carbasics-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .carbasics-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#eff6ff;
      border:1px solid #bfdbfe;
      color:#1e3a8a;
      box-shadow:0 12px 30px rgba(30,58,138,.055);
    }

    .carbasics-alert strong{
      color:#1d4ed8;
      font-weight:900;
    }

    .carbasics-section{
      margin:46px 0;
    }

    .carbasics-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .carbasics-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:28px 20px;
      align-items:stretch;
      margin:24px 0 34px;
    }

    .carbasics-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:28px 20px;
      align-items:stretch;
      margin:24px 0 34px;
    }

    .carbasics-card{
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
      position:relative;
      z-index:1;
    }

    .carbasics-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .carbasics-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .carbasics-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .carbasics-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .carbasics-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .carbasics-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .carbasics-card p:last-child{
      margin-bottom:0;
    }

    .carbasics-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .carbasics-list li{
      margin:0 0 12px;
    }

    .carbasics-after-card-link{
      display:block;
      width:100%;
      clear:both;
      margin:0;
      padding:16px 18px;
      border-radius:18px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#334155;
      font-size:16px;
      line-height:1.65;
      position:relative;
      z-index:2;
    }

    .carbasics-after-card-link a{
      color:#0b63ce!important;
      font-weight:800;
      text-decoration:underline;
      text-underline-offset:3px;
    }

    .carbasics-split{
      display:grid;
      grid-template-columns:minmax(280px,360px) minmax(0,1fr);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .carbasics-side-card{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#1e3a8a,#0f172a);
      color:#fff;
      box-shadow:0 18px 42px rgba(30,58,138,.18);
    }

    .carbasics-side-card h3{
      color:#fff;
    }

    .carbasics-side-card p,
    .carbasics-side-card li{
      color:#e5e7eb;
      font-size:15px;
      line-height:1.6;
    }

    .carbasics-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .carbasics-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .carbasics-table th,
    .carbasics-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .carbasics-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .carbasics-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .carbasics-table tr:last-child td{
      border-bottom:0;
    }

    .carbasics-steps{
      margin:24px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .carbasics-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .carbasics-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#eff6ff;
      color:#1d4ed8;
      font-size:18px;
      font-weight:950;
    }

    .carbasics-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .carbasics-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .carbasics-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .carbasics-faq summary::-webkit-details-marker{
      display:none;
    }

    .carbasics-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .carbasics-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .carbasics-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .carbasics-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .carbasics-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .carbasics-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .carbasics-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .carbasics-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .carbasics-final-form input{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .carbasics-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .carbasics-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .carbasics-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .carbasics-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .carbasics-refs ol{
      margin:0;
      padding-left:20px;
    }

    .carbasics-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .carbasics-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .carbasics-hero-grid,
      .carbasics-stat-strip,
      .carbasics-grid-2,
      .carbasics-grid-3,
      .carbasics-split,
      .carbasics-steps{
        grid-template-columns:1fr;
      }

      .carbasics-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .carbasics-stat:last-child{
        border-bottom:0;
      }

      .jt-author-row{
        align-items:flex-start;
        flex-wrap:wrap;
      }

      .jt-author-content{
        flex:1 1 calc(100% - 80px);
      }

      .jt-author-date{
        width:100%;
        min-width:0;
        text-align:left;
        padding-left:74px;
        white-space:normal;
      }
    }

    @media(max-width:640px){
      .carbasics-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .carbasics-page h2{
        font-size:28px;
      }

      .carbasics-hero-copy,
      .carbasics-hero-panel{
        padding:24px;
      }

      .carbasics-page-title{
        font-size:32px;
      }

      .carbasics-form-col,
      .carbasics-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }

    @media(max-width:560px){
      .jt-author-row{
        display:block;
      }

      .jt-author-photo,
      .jt-author-avatar{
        margin-bottom:12px;
      }

      .jt-author-topline{
        display:block;
      }

      .jt-author-badge,
      .jt-author-topline strong,
      .jt-author-topline span{
        margin:0 0 7px;
      }

      .jt-author-date{
        padding-left:0;
        margin-top:10px;
      }
    }
    
    /* ============================================================
    https://loyainsurance.org/car-insurance-guide-2026/
    ==================================================== */
    .autoguide-page,
    .autoguide-page *{
      box-sizing:border-box;
    }

    .autoguide-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 60px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .autoguide-page p{
      margin:0 0 18px;
    }

    .autoguide-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
    }

    .autoguide-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .autoguide-page h3{
      margin:0 0 10px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .autoguide-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .autoguide-author-card{
      margin:18px 0 30px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .autoguide-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#eff6ff 0%,#ffffff 48%,#fff7ed 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .autoguide-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .autoguide-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#1e3a8a;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .autoguide-author-name{
      margin:0;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .autoguide-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .autoguide-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .autoguide-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .autoguide-author-body details{
      margin:0;
    }

    .autoguide-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#b45309;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .autoguide-author-body summary::-webkit-details-marker{
      display:none;
    }

    .autoguide-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .autoguide-author-body details[open] .autoguide-caret{
      transform:rotate(180deg);
    }

    .autoguide-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .autoguide-author-panel p{
      margin:0 0 10px!important;
    }

    .autoguide-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .autoguide-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#eff6ff;
      border:1px solid #bfdbfe;
      color:#1e40af;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .autoguide-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#111827;
      border:1px solid #bfdbfe;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .autoguide-hero-grid{
      display:grid;
      grid-template-columns:minmax(330px,.92fr) minmax(0,1.08fr);
      min-height:520px;
    }

    .autoguide-hero-media{
      position:relative;
      min-height:520px;
      background:#111827;
    }

    .autoguide-hero-media img{
      width:100%;
      height:100%;
      min-height:520px;
      display:block;
      object-fit:cover;
    }

    .autoguide-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(180deg,rgba(15,23,42,.02),rgba(15,23,42,.48));
      pointer-events:none;
    }

    .autoguide-hero-note{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.94);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 14px 32px rgba(15,23,42,.18);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .autoguide-hero-note strong{
      display:block;
      color:#0f172a;
      font-size:15px;
      margin-bottom:5px;
    }

    .autoguide-hero-copy{
      padding:46px;
      background:
        radial-gradient(circle at 84% 18%,rgba(59,130,246,.26),transparent 35%),
        radial-gradient(circle at 14% 88%,rgba(251,146,60,.24),transparent 38%),
        linear-gradient(135deg,#111827 0%,#1f2937 54%,#1e3a8a 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .autoguide-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .autoguide-hero-copy h2{
      color:#fff;
      font-size:42px;
      max-width:760px;
    }

    .autoguide-hero-copy p{
      color:#f8fafc;
      max-width:760px;
    }

    .autoguide-hero-copy a{
      color:#fed7aa;
    }

    .autoguide-lede{
      font-size:18px;
      line-height:1.75;
    }

    .autoguide-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .autoguide-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .autoguide-stat:nth-child(2){
      background:#eff6ff;
    }

    .autoguide-stat:nth-child(3){
      background:#fff7ed;
    }

    .autoguide-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .autoguide-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .autoguide-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .autoguide-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#eff6ff;
      border:1px solid #bfdbfe;
      color:#1e3a8a;
      box-shadow:0 12px 30px rgba(30,58,138,.055);
    }

    .autoguide-alert strong{
      color:#1d4ed8;
      font-weight:900;
    }

    .autoguide-section{
      margin:46px 0;
    }

    .autoguide-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .autoguide-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .autoguide-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .autoguide-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .autoguide-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .autoguide-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .autoguide-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .autoguide-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .autoguide-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .autoguide-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .autoguide-card p:last-child{
      margin-bottom:0;
    }

    .autoguide-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .autoguide-list li{
      margin:0 0 12px;
    }

    .autoguide-split{
      display:grid;
      grid-template-columns:minmax(0,1fr) minmax(280px,360px);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .autoguide-side-card{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#1e3a8a,#0f172a);
      color:#fff;
      box-shadow:0 18px 42px rgba(30,58,138,.18);
    }

    .autoguide-side-card h3{
      color:#fff;
    }

    .autoguide-side-card p,
    .autoguide-side-card li{
      color:#e5e7eb;
      font-size:15px;
      line-height:1.6;
    }

    .autoguide-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .autoguide-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .autoguide-table th,
    .autoguide-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .autoguide-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .autoguide-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .autoguide-table tr:last-child td{
      border-bottom:0;
    }

    .autoguide-steps{
      margin:24px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .autoguide-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .autoguide-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#eff6ff;
      color:#1d4ed8;
      font-size:18px;
      font-weight:950;
    }

    .autoguide-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .autoguide-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .autoguide-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .autoguide-faq summary::-webkit-details-marker{
      display:none;
    }

    .autoguide-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .autoguide-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .autoguide-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .autoguide-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .autoguide-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .autoguide-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .autoguide-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .autoguide-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .autoguide-final-form input,
    .autoguide-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .autoguide-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .autoguide-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .autoguide-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .autoguide-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .autoguide-refs ol{
      margin:0;
      padding-left:20px;
    }

    .autoguide-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .autoguide-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .autoguide-author-top,
      .autoguide-hero-grid,
      .autoguide-stat-strip,
      .autoguide-grid-2,
      .autoguide-grid-3,
      .autoguide-split,
      .autoguide-steps{
        grid-template-columns:1fr;
      }

      .autoguide-author-date{
        text-align:left;
        white-space:normal;
      }

      .autoguide-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .autoguide-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .autoguide-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .autoguide-page h2{
        font-size:28px;
      }

      .autoguide-hero-copy{
        padding:24px;
      }

      .autoguide-hero-copy h2{
        font-size:31px;
      }

      .autoguide-form-col,
      .autoguide-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* ==============================================================
    https://loyainsurance.org/top-uninsured-motorist-coverage-myths/
    ================================================================ */
    .ummyth-page,
    .ummyth-page *{
      box-sizing:border-box;
    }

    .ummyth-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 60px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .ummyth-page p{
      margin:0 0 18px;
    }

    .ummyth-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
    }

    .ummyth-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .ummyth-page h3{
      margin:0 0 10px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .ummyth-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .ummyth-author-card{
      margin:18px 0 30px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .ummyth-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#fff7ed 0%,#ffffff 50%,#ecfdf5 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .ummyth-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .ummyth-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#15803d;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .ummyth-author-name{
      margin:0;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .ummyth-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .ummyth-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .ummyth-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .ummyth-author-body details{
      margin:0;
    }

    .ummyth-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#15803d;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .ummyth-author-body summary::-webkit-details-marker{
      display:none;
    }

    .ummyth-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .ummyth-author-body details[open] .ummyth-caret{
      transform:rotate(180deg);
    }

    .ummyth-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .ummyth-author-panel p{
      margin:0 0 10px!important;
    }

    .ummyth-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .ummyth-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#ecfdf5;
      border:1px solid #bbf7d0;
      color:#166534;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .ummyth-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#111827;
      border:1px solid #bbf7d0;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .ummyth-hero-grid{
      display:grid;
      grid-template-columns:minmax(330px,.95fr) minmax(0,1.05fr);
      min-height:520px;
    }

    .ummyth-hero-media{
      position:relative;
      min-height:520px;
      background:#111827;
    }

    .ummyth-hero-media img{
      width:100%;
      height:100%;
      min-height:520px;
      display:block;
      object-fit:cover;
    }

    .ummyth-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(180deg,rgba(15,23,42,.02),rgba(15,23,42,.52));
      pointer-events:none;
    }

    .ummyth-hero-note{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.94);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 14px 32px rgba(15,23,42,.18);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .ummyth-hero-note strong{
      display:block;
      color:#0f172a;
      font-size:15px;
      margin-bottom:5px;
    }

    .ummyth-hero-copy{
      padding:46px;
      background:
        radial-gradient(circle at 82% 18%,rgba(34,197,94,.22),transparent 34%),
        radial-gradient(circle at 15% 86%,rgba(251,146,60,.24),transparent 38%),
        linear-gradient(135deg,#0f172a 0%,#1f2937 55%,#14532d 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .ummyth-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .ummyth-hero-copy h2{
      color:#fff;
      font-size:42px;
      max-width:760px;
    }

    .ummyth-hero-copy p{
      color:#f8fafc;
      max-width:760px;
    }

    .ummyth-hero-copy a{
      color:#fed7aa;
    }

    .ummyth-lede{
      font-size:18px;
      line-height:1.75;
    }

    .ummyth-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .ummyth-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .ummyth-stat:nth-child(2){
      background:#eff6ff;
    }

    .ummyth-stat:nth-child(3){
      background:#fff7ed;
    }

    .ummyth-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .ummyth-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .ummyth-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .ummyth-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#ecfdf5;
      border:1px solid #bbf7d0;
      color:#14532d;
      box-shadow:0 12px 30px rgba(20,83,45,.055);
    }

    .ummyth-alert strong{
      color:#166534;
      font-weight:900;
    }

    .ummyth-section{
      margin:46px 0;
    }

    .ummyth-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .ummyth-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .ummyth-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .ummyth-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .ummyth-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .ummyth-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .ummyth-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .ummyth-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .ummyth-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .ummyth-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .ummyth-card p:last-child{
      margin-bottom:0;
    }

    .ummyth-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .ummyth-list li{
      margin:0 0 12px;
    }

    .ummyth-split{
      display:grid;
      grid-template-columns:minmax(0,1fr) minmax(280px,360px);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .ummyth-split.reverse{
      grid-template-columns:minmax(280px,360px) minmax(0,1fr);
    }

    .ummyth-side-card{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#14532d,#111827);
      color:#fff;
      box-shadow:0 18px 42px rgba(20,83,45,.18);
    }

    .ummyth-side-card h3{
      color:#fff;
    }

    .ummyth-side-card p,
    .ummyth-side-card li{
      color:#e5e7eb;
      font-size:15px;
      line-height:1.6;
    }

    .ummyth-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .ummyth-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .ummyth-table th,
    .ummyth-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .ummyth-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .ummyth-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .ummyth-table tr:last-child td{
      border-bottom:0;
    }

    .ummyth-myth-row{
      display:grid;
      grid-template-columns:minmax(230px,310px) minmax(0,1fr);
      gap:18px;
      align-items:stretch;
      margin:20px 0;
    }

    .ummyth-myth-label{
      padding:22px;
      border-radius:24px;
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border:1px solid #fecaca;
      box-shadow:0 14px 34px rgba(15,23,42,.045);
    }

    .ummyth-myth-label span{
      display:inline-flex;
      margin:0 0 10px;
      padding:6px 10px;
      border-radius:999px;
      background:#dc2626;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      text-transform:uppercase;
      letter-spacing:.04em;
    }

    .ummyth-myth-label h3{
      margin:0;
      color:#7f1d1d;
    }

    .ummyth-reality{
      padding:22px;
      border-radius:24px;
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border:1px solid #bbf7d0;
      box-shadow:0 14px 34px rgba(15,23,42,.045);
    }

    .ummyth-reality h3{
      color:#14532d;
    }

    .ummyth-steps{
      margin:24px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .ummyth-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .ummyth-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#ecfdf5;
      color:#15803d;
      font-size:18px;
      font-weight:950;
    }

    .ummyth-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .ummyth-callout{
      margin:42px 0;
      padding:26px;
      border-radius:28px;
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border:1px solid #fed7aa;
      box-shadow:0 16px 36px rgba(15,23,42,.055);
    }

    .ummyth-callout h2{
      font-size:28px;
      margin-bottom:12px;
    }

    .ummyth-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .ummyth-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .ummyth-faq summary::-webkit-details-marker{
      display:none;
    }

    .ummyth-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .ummyth-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .ummyth-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .ummyth-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .ummyth-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .ummyth-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .ummyth-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .ummyth-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .ummyth-final-form input,
    .ummyth-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .ummyth-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .ummyth-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .ummyth-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .ummyth-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .ummyth-refs ol{
      margin:0;
      padding-left:20px;
    }

    .ummyth-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .ummyth-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .ummyth-author-top,
      .ummyth-hero-grid,
      .ummyth-stat-strip,
      .ummyth-grid-2,
      .ummyth-grid-3,
      .ummyth-split,
      .ummyth-split.reverse,
      .ummyth-steps,
      .ummyth-myth-row{
        grid-template-columns:1fr;
      }

      .ummyth-author-date{
        text-align:left;
        white-space:normal;
      }

      .ummyth-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .ummyth-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .ummyth-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .ummyth-page h2{
        font-size:28px;
      }

      .ummyth-hero-copy{
        padding:24px;
      }

      .ummyth-hero-copy h2{
        font-size:31px;
      }

      .ummyth-form-col,
      .ummyth-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* ==========================================================
    https://loyainsurance.org/uninsured-motorist-coverage-cost-texas/
    ==================================================================== */
    .umcost-page,
    .umcost-page *{
      box-sizing:border-box;
    }

    .umcost-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 60px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .umcost-page p{
      margin:0 0 18px;
    }

    .umcost-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
    }

    .umcost-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .umcost-page h3{
      margin:0 0 10px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .umcost-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .umcost-author-card{
      margin:18px 0 30px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .umcost-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#fff7ed 0%,#ffffff 48%,#eff6ff 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .umcost-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .umcost-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#b45309;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .umcost-author-name{
      margin:0;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .umcost-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .umcost-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .umcost-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .umcost-author-body details{
      margin:0;
    }

    .umcost-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#b45309;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .umcost-author-body summary::-webkit-details-marker{
      display:none;
    }

    .umcost-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .umcost-author-body details[open] .umcost-caret{
      transform:rotate(180deg);
    }

    .umcost-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .umcost-author-panel p{
      margin:0 0 10px!important;
    }

    .umcost-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .umcost-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#9a3412;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .umcost-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#111827;
      border:1px solid #fed7aa;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .umcost-hero-grid{
      display:grid;
      grid-template-columns:minmax(0,1.05fr) minmax(330px,.95fr);
      min-height:510px;
    }

    .umcost-hero-copy{
      padding:46px;
      background:
        radial-gradient(circle at 18% 18%,rgba(251,146,60,.24),transparent 35%),
        radial-gradient(circle at 84% 82%,rgba(59,130,246,.22),transparent 36%),
        linear-gradient(135deg,#111827 0%,#1f2937 56%,#7c2d12 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .umcost-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .umcost-hero-copy h2{
      color:#fff;
      font-size:42px;
      max-width:760px;
    }

    .umcost-hero-copy p{
      color:#f8fafc;
      max-width:760px;
    }

    .umcost-hero-copy a{
      color:#fed7aa;
    }

    .umcost-lede{
      font-size:18px;
      line-height:1.75;
    }

    .umcost-hero-media{
      position:relative;
      min-height:510px;
      background:#111827;
    }

    .umcost-hero-media img{
      width:100%;
      height:100%;
      min-height:510px;
      display:block;
      object-fit:cover;
    }

    .umcost-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(180deg,rgba(15,23,42,.02),rgba(15,23,42,.48));
      pointer-events:none;
    }

    .umcost-hero-note{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.94);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 14px 32px rgba(15,23,42,.18);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .umcost-hero-note strong{
      display:block;
      color:#0f172a;
      font-size:15px;
      margin-bottom:5px;
    }

    .umcost-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .umcost-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .umcost-stat:nth-child(2){
      background:#eff6ff;
    }

    .umcost-stat:nth-child(3){
      background:#fff7ed;
    }

    .umcost-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .umcost-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .umcost-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .umcost-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .umcost-alert strong{
      color:#9a3412;
      font-weight:900;
    }

    .umcost-section{
      margin:46px 0;
    }

    .umcost-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .umcost-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .umcost-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .umcost-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .umcost-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .umcost-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .umcost-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .umcost-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .umcost-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .umcost-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .umcost-card p:last-child{
      margin-bottom:0;
    }

    .umcost-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .umcost-list li{
      margin:0 0 12px;
    }

    .umcost-split{
      display:grid;
      grid-template-columns:minmax(0,1fr) minmax(280px,360px);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .umcost-split.reverse{
      grid-template-columns:minmax(280px,360px) minmax(0,1fr);
    }

    .umcost-side-card{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#7c2d12,#111827);
      color:#fff;
      box-shadow:0 18px 42px rgba(124,45,18,.18);
    }

    .umcost-side-card h3{
      color:#fff;
    }

    .umcost-side-card p,
    .umcost-side-card li{
      color:#e5e7eb;
      font-size:15px;
      line-height:1.6;
    }

    .umcost-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .umcost-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .umcost-table th,
    .umcost-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .umcost-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .umcost-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .umcost-table tr:last-child td{
      border-bottom:0;
    }

    .umcost-steps{
      margin:24px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .umcost-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .umcost-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#fff7ed;
      color:#c2410c;
      font-size:18px;
      font-weight:950;
    }

    .umcost-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .umcost-video-box{
      margin:34px 0;
      padding:24px;
      border-radius:28px;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border:1px solid #e2e8f0;
      box-shadow:0 16px 36px rgba(15,23,42,.055);
    }

    .umcost-video-frame{
      position:relative;
      width:100%;
      padding-top:56.25%;
      border-radius:22px;
      overflow:hidden;
      background:#0f172a;
      box-shadow:0 18px 42px rgba(15,23,42,.12);
    }

    .umcost-video-frame iframe{
      position:absolute;
      inset:0;
      width:100%;
      height:100%;
      border:0;
    }

    .umcost-callout{
      margin:42px 0;
      padding:26px;
      border-radius:28px;
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border:1px solid #bbf7d0;
      box-shadow:0 16px 36px rgba(15,23,42,.055);
    }

    .umcost-callout h2{
      font-size:28px;
      margin-bottom:12px;
    }

    .umcost-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .umcost-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .umcost-faq summary::-webkit-details-marker{
      display:none;
    }

    .umcost-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .umcost-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .umcost-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .umcost-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .umcost-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .umcost-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .umcost-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .umcost-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .umcost-final-form input,
    .umcost-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .umcost-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .umcost-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .umcost-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .umcost-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .umcost-refs ol{
      margin:0;
      padding-left:20px;
    }

    .umcost-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .umcost-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .umcost-author-top,
      .umcost-hero-grid,
      .umcost-stat-strip,
      .umcost-grid-2,
      .umcost-grid-3,
      .umcost-split,
      .umcost-split.reverse,
      .umcost-steps{
        grid-template-columns:1fr;
      }

      .umcost-author-date{
        text-align:left;
        white-space:normal;
      }

      .umcost-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .umcost-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .umcost-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .umcost-page h2{
        font-size:28px;
      }

      .umcost-hero-copy{
        padding:24px;
      }

      .umcost-hero-copy h2{
        font-size:31px;
      }

      .umcost-form-col,
      .umcost-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* ============================================================
    https://loyainsurance.org/get-uninsured-motorist-coverage-quote-today/
    ================================================================== */
    .umfuture-page,
    .umfuture-page *{
      box-sizing:border-box;
    }

    .umfuture-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 60px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .umfuture-page p{
      margin:0 0 18px;
    }

    .umfuture-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
    }

    .umfuture-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .umfuture-page h3{
      margin:0 0 10px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .umfuture-author-card{
      margin:18px 0 30px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .umfuture-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#fff7ed 0%,#ffffff 48%,#eff6ff 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .umfuture-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .umfuture-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#b45309;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .umfuture-author-name{
      margin:0;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .umfuture-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .umfuture-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .umfuture-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .umfuture-author-body details{
      margin:0;
    }

    .umfuture-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#b45309;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .umfuture-author-body summary::-webkit-details-marker{
      display:none;
    }

    .umfuture-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .umfuture-author-body details[open] .umfuture-caret{
      transform:rotate(180deg);
    }

    .umfuture-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .umfuture-author-panel p{
      margin:0 0 10px!important;
    }

    .umfuture-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .umfuture-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#9a3412;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .umfuture-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#111827;
      border:1px solid #fed7aa;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .umfuture-hero-grid{
      display:grid;
      grid-template-columns:minmax(0,1.04fr) minmax(330px,.96fr);
      min-height:500px;
    }

    .umfuture-hero-copy{
      padding:46px;
      background:
        radial-gradient(circle at 16% 20%,rgba(251,146,60,.26),transparent 34%),
        radial-gradient(circle at 88% 88%,rgba(59,130,246,.24),transparent 38%),
        linear-gradient(135deg,#111827 0%,#1f2937 54%,#7c2d12 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .umfuture-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .umfuture-hero-copy h2{
      color:#fff;
      font-size:42px;
      max-width:760px;
    }

    .umfuture-hero-copy p{
      color:#f8fafc;
      max-width:760px;
    }

    .umfuture-hero-copy a{
      color:#fed7aa;
    }

    .umfuture-lede{
      font-size:18px;
      line-height:1.75;
    }

    .umfuture-hero-media{
      position:relative;
      min-height:500px;
      background:#111827;
    }

    .umfuture-hero-media img{
      width:100%;
      height:100%;
      min-height:500px;
      display:block;
      object-fit:cover;
    }

    .umfuture-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(180deg,rgba(15,23,42,.02),rgba(15,23,42,.48));
      pointer-events:none;
    }

    .umfuture-hero-note{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.94);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 14px 32px rgba(15,23,42,.18);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .umfuture-hero-note strong{
      display:block;
      color:#0f172a;
      font-size:15px;
      margin-bottom:5px;
    }

    .umfuture-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .umfuture-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .umfuture-stat:nth-child(2){
      background:#eff6ff;
    }

    .umfuture-stat:nth-child(3){
      background:#fff7ed;
    }

    .umfuture-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .umfuture-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .umfuture-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .umfuture-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .umfuture-alert strong{
      color:#9a3412;
      font-weight:900;
    }

    .umfuture-section{
      margin:46px 0;
    }

    .umfuture-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .umfuture-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .umfuture-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .umfuture-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .umfuture-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .umfuture-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .umfuture-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .umfuture-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .umfuture-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .umfuture-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .umfuture-card p:last-child{
      margin-bottom:0;
    }

    .umfuture-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .umfuture-list li{
      margin:0 0 12px;
    }

    .umfuture-split{
      display:grid;
      grid-template-columns:minmax(280px,360px) minmax(0,1fr);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .umfuture-split.reverse{
      grid-template-columns:minmax(0,1fr) minmax(280px,360px);
    }

    .umfuture-side-card{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#7c2d12,#111827);
      color:#fff;
      box-shadow:0 18px 42px rgba(124,45,18,.18);
    }

    .umfuture-side-card h3{
      color:#fff;
    }

    .umfuture-side-card p,
    .umfuture-side-card li{
      color:#e5e7eb;
      font-size:15px;
      line-height:1.6;
    }

    .umfuture-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .umfuture-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .umfuture-table th,
    .umfuture-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .umfuture-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .umfuture-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .umfuture-table tr:last-child td{
      border-bottom:0;
    }

    .umfuture-scenario{
      margin:42px 0;
      padding:26px;
      border-radius:28px;
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border:1px solid #bbf7d0;
      box-shadow:0 16px 36px rgba(15,23,42,.055);
    }

    .umfuture-scenario h2{
      font-size:28px;
      margin-bottom:12px;
    }

    .umfuture-scenario-inner{
      display:grid;
      grid-template-columns:minmax(0,1fr) minmax(0,1fr);
      gap:18px;
      margin-top:20px;
    }

    .umfuture-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .umfuture-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .umfuture-faq summary::-webkit-details-marker{
      display:none;
    }

    .umfuture-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .umfuture-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .umfuture-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .umfuture-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .umfuture-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .umfuture-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .umfuture-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .umfuture-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .umfuture-final-form input,
    .umfuture-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .umfuture-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .umfuture-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .umfuture-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .umfuture-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .umfuture-refs ol{
      margin:0;
      padding-left:20px;
    }

    .umfuture-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .umfuture-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .umfuture-author-top,
      .umfuture-hero-grid,
      .umfuture-stat-strip,
      .umfuture-grid-2,
      .umfuture-grid-3,
      .umfuture-split,
      .umfuture-split.reverse,
      .umfuture-scenario-inner{
        grid-template-columns:1fr;
      }

      .umfuture-author-date{
        text-align:left;
        white-space:normal;
      }

      .umfuture-hero-media{
        order:-1;
      }

      .umfuture-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .umfuture-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .umfuture-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .umfuture-page h2{
        font-size:28px;
      }

      .umfuture-hero-copy{
        padding:24px;
      }

      .umfuture-hero-copy h2{
        font-size:31px;
      }

      .umfuture-form-col,
      .umfuture-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* ============================================================
    https://loyainsurance.org/switch-high-risk-auto-insurance-now/
    ================================================================= */
    .hrswitch-page,
    .hrswitch-page *{
      box-sizing:border-box;
    }

    .hrswitch-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 60px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .hrswitch-page p{
      margin:0 0 18px;
    }

    .hrswitch-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
    }

    .hrswitch-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .hrswitch-page h3{
      margin:0 0 10px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .hrswitch-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .hrswitch-author-card{
      margin:18px 0 30px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .hrswitch-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#eff6ff 0%,#ffffff 52%,#fff7ed 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .hrswitch-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .hrswitch-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#1d4ed8;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .hrswitch-author-name{
      margin:0;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .hrswitch-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .hrswitch-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .hrswitch-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .hrswitch-author-body details{
      margin:0;
    }

    .hrswitch-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#1d4ed8;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .hrswitch-author-body summary::-webkit-details-marker{
      display:none;
    }

    .hrswitch-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .hrswitch-author-body details[open] .hrswitch-caret{
      transform:rotate(180deg);
    }

    .hrswitch-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .hrswitch-author-panel p{
      margin:0 0 10px!important;
    }

    .hrswitch-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .hrswitch-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#eff6ff;
      border:1px solid #bfdbfe;
      color:#1e40af;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .hrswitch-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#111827;
      border:1px solid #bfdbfe;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .hrswitch-hero-grid{
      display:grid;
      grid-template-columns:minmax(340px,.92fr) minmax(0,1.08fr);
      min-height:520px;
    }

    .hrswitch-hero-media{
      position:relative;
      min-height:520px;
      background:#111827;
    }

    .hrswitch-hero-media img{
      width:100%;
      height:100%;
      min-height:520px;
      display:block;
      object-fit:cover;
    }

    .hrswitch-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(180deg,rgba(15,23,42,.02),rgba(15,23,42,.58));
      pointer-events:none;
    }

    .hrswitch-hero-note{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.94);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 14px 32px rgba(15,23,42,.18);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .hrswitch-hero-note strong{
      display:block;
      color:#0f172a;
      font-size:15px;
      margin-bottom:5px;
    }

    .hrswitch-hero-copy{
      padding:46px;
      background:
        radial-gradient(circle at 90% 14%,rgba(96,165,250,.24),transparent 34%),
        radial-gradient(circle at 16% 86%,rgba(251,146,60,.23),transparent 38%),
        linear-gradient(135deg,#0f172a 0%,#1e293b 54%,#1d4ed8 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .hrswitch-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .hrswitch-hero-copy h2{
      color:#fff;
      font-size:42px;
      max-width:760px;
    }

    .hrswitch-hero-copy p{
      color:#f8fafc;
      max-width:760px;
    }

    .hrswitch-hero-copy a{
      color:#fed7aa;
    }

    .hrswitch-lede{
      font-size:18px;
      line-height:1.75;
    }

    .hrswitch-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .hrswitch-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .hrswitch-stat:nth-child(2){
      background:#eff6ff;
    }

    .hrswitch-stat:nth-child(3){
      background:#fff7ed;
    }

    .hrswitch-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .hrswitch-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .hrswitch-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .hrswitch-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#eff6ff;
      border:1px solid #bfdbfe;
      color:#1e3a8a;
      box-shadow:0 12px 30px rgba(30,58,138,.055);
    }

    .hrswitch-alert strong{
      color:#1d4ed8;
      font-weight:900;
    }

    .hrswitch-section{
      margin:46px 0;
    }

    .hrswitch-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .hrswitch-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .hrswitch-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .hrswitch-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .hrswitch-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .hrswitch-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .hrswitch-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .hrswitch-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .hrswitch-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .hrswitch-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .hrswitch-card p:last-child{
      margin-bottom:0;
    }

    .hrswitch-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .hrswitch-list li{
      margin:0 0 12px;
    }

    .hrswitch-split{
      display:grid;
      grid-template-columns:minmax(0,1fr) minmax(280px,360px);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .hrswitch-split.reverse{
      grid-template-columns:minmax(280px,360px) minmax(0,1fr);
    }

    .hrswitch-side-card{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#1d4ed8,#111827);
      color:#fff;
      box-shadow:0 18px 42px rgba(30,64,175,.18);
    }

    .hrswitch-side-card h3{
      color:#fff;
    }

    .hrswitch-side-card p,
    .hrswitch-side-card li{
      color:#e5e7eb;
      font-size:15px;
      line-height:1.6;
    }

    .hrswitch-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .hrswitch-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .hrswitch-table th,
    .hrswitch-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .hrswitch-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .hrswitch-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .hrswitch-table tr:last-child td{
      border-bottom:0;
    }

    .hrswitch-steps{
      margin:24px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .hrswitch-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .hrswitch-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#eff6ff;
      color:#1d4ed8;
      font-size:18px;
      font-weight:950;
    }

    .hrswitch-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .hrswitch-video-box{
      margin:42px 0;
      padding:24px;
      border-radius:28px;
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border:1px solid #fed7aa;
      box-shadow:0 16px 36px rgba(15,23,42,.055);
    }

    .hrswitch-video-frame{
      position:relative;
      width:100%;
      padding-top:56.25%;
      border-radius:22px;
      overflow:hidden;
      background:#0f172a;
      box-shadow:0 18px 42px rgba(15,23,42,.12);
    }

    .hrswitch-video-frame iframe{
      position:absolute;
      inset:0;
      width:100%;
      height:100%;
      border:0;
    }

    .hrswitch-callout{
      margin:42px 0;
      padding:26px;
      border-radius:28px;
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border:1px solid #bbf7d0;
      box-shadow:0 16px 36px rgba(15,23,42,.055);
    }

    .hrswitch-callout h2{
      font-size:28px;
      margin-bottom:12px;
    }

    .hrswitch-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .hrswitch-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .hrswitch-faq summary::-webkit-details-marker{
      display:none;
    }

    .hrswitch-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .hrswitch-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .hrswitch-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .hrswitch-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .hrswitch-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .hrswitch-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .hrswitch-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .hrswitch-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .hrswitch-final-form input,
    .hrswitch-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .hrswitch-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .hrswitch-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .hrswitch-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .hrswitch-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .hrswitch-refs ol{
      margin:0;
      padding-left:20px;
    }

    .hrswitch-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .hrswitch-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .hrswitch-author-top,
      .hrswitch-hero-grid,
      .hrswitch-stat-strip,
      .hrswitch-grid-2,
      .hrswitch-grid-3,
      .hrswitch-split,
      .hrswitch-split.reverse,
      .hrswitch-steps{
        grid-template-columns:1fr;
      }

      .hrswitch-author-date{
        text-align:left;
        white-space:normal;
      }

      .hrswitch-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .hrswitch-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .hrswitch-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .hrswitch-page h2{
        font-size:28px;
      }

      .hrswitch-hero-copy{
        padding:24px;
      }

      .hrswitch-hero-copy h2{
        font-size:31px;
      }

      .hrswitch-form-col,
      .hrswitch-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* ===============================================================
    https://loyainsurance.org/best-high-risk-auto-insurance-policies/
    ================================================================== */
    .hrpolicy-page,
    .hrpolicy-page *{
      box-sizing:border-box;
    }

    .hrpolicy-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 60px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .hrpolicy-page p{
      margin:0 0 18px;
    }

    .hrpolicy-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
    }

    .hrpolicy-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .hrpolicy-page h3{
      margin:0 0 10px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .hrpolicy-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .hrpolicy-author-card{
      margin:18px 0 30px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .hrpolicy-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#f8fafc 0%,#ffffff 50%,#fff7ed 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .hrpolicy-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .hrpolicy-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#7c2d12;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .hrpolicy-author-name{
      margin:0;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .hrpolicy-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .hrpolicy-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .hrpolicy-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .hrpolicy-author-body details{
      margin:0;
    }

    .hrpolicy-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#b45309;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .hrpolicy-author-body summary::-webkit-details-marker{
      display:none;
    }

    .hrpolicy-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .hrpolicy-author-body details[open] .hrpolicy-caret{
      transform:rotate(180deg);
    }

    .hrpolicy-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .hrpolicy-author-panel p{
      margin:0 0 10px!important;
    }

    .hrpolicy-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .hrpolicy-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#9a3412;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .hrpolicy-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#111827;
      border:1px solid #fed7aa;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .hrpolicy-hero-grid{
      display:grid;
      grid-template-columns:minmax(0,1.03fr) minmax(330px,.97fr);
      min-height:515px;
    }

    .hrpolicy-hero-copy{
      padding:46px;
      background:
        radial-gradient(circle at 17% 16%,rgba(251,146,60,.25),transparent 34%),
        radial-gradient(circle at 86% 82%,rgba(34,197,94,.18),transparent 36%),
        linear-gradient(135deg,#111827 0%,#1f2937 56%,#7c2d12 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .hrpolicy-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .hrpolicy-hero-copy h2{
      color:#fff;
      font-size:42px;
      max-width:760px;
    }

    .hrpolicy-hero-copy p{
      color:#f8fafc;
      max-width:760px;
    }

    .hrpolicy-hero-copy a{
      color:#fed7aa;
    }

    .hrpolicy-lede{
      font-size:18px;
      line-height:1.75;
    }

    .hrpolicy-hero-media{
      position:relative;
      min-height:515px;
      background:#111827;
    }

    .hrpolicy-hero-media img{
      width:100%;
      height:100%;
      min-height:515px;
      display:block;
      object-fit:cover;
    }

    .hrpolicy-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(180deg,rgba(15,23,42,.02),rgba(15,23,42,.50));
      pointer-events:none;
    }

    .hrpolicy-hero-note{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.94);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 14px 32px rgba(15,23,42,.18);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .hrpolicy-hero-note strong{
      display:block;
      color:#0f172a;
      font-size:15px;
      margin-bottom:5px;
    }

    .hrpolicy-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .hrpolicy-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .hrpolicy-stat:nth-child(2){
      background:#eff6ff;
    }

    .hrpolicy-stat:nth-child(3){
      background:#fff7ed;
    }

    .hrpolicy-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .hrpolicy-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .hrpolicy-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .hrpolicy-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .hrpolicy-alert strong{
      color:#9a3412;
      font-weight:900;
    }

    .hrpolicy-section{
      margin:46px 0;
    }

    .hrpolicy-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .hrpolicy-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .hrpolicy-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .hrpolicy-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .hrpolicy-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .hrpolicy-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .hrpolicy-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .hrpolicy-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .hrpolicy-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .hrpolicy-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .hrpolicy-card p:last-child{
      margin-bottom:0;
    }

    .hrpolicy-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .hrpolicy-list li{
      margin:0 0 12px;
    }

    .hrpolicy-split{
      display:grid;
      grid-template-columns:minmax(0,1fr) minmax(280px,360px);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .hrpolicy-split.reverse{
      grid-template-columns:minmax(280px,360px) minmax(0,1fr);
    }

    .hrpolicy-side-card{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#7c2d12,#111827);
      color:#fff;
      box-shadow:0 18px 42px rgba(124,45,18,.18);
    }

    .hrpolicy-side-card h3{
      color:#fff;
    }

    .hrpolicy-side-card p,
    .hrpolicy-side-card li{
      color:#e5e7eb;
      font-size:15px;
      line-height:1.6;
    }

    .hrpolicy-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .hrpolicy-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .hrpolicy-table th,
    .hrpolicy-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .hrpolicy-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .hrpolicy-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .hrpolicy-table tr:last-child td{
      border-bottom:0;
    }

    .hrpolicy-steps{
      margin:24px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .hrpolicy-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .hrpolicy-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#fff7ed;
      color:#c2410c;
      font-size:18px;
      font-weight:950;
    }

    .hrpolicy-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .hrpolicy-callout{
      margin:42px 0;
      padding:26px;
      border-radius:28px;
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border:1px solid #bbf7d0;
      box-shadow:0 16px 36px rgba(15,23,42,.055);
    }

    .hrpolicy-callout h2{
      font-size:28px;
      margin-bottom:12px;
    }

    .hrpolicy-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .hrpolicy-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .hrpolicy-faq summary::-webkit-details-marker{
      display:none;
    }

    .hrpolicy-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .hrpolicy-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .hrpolicy-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .hrpolicy-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .hrpolicy-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .hrpolicy-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .hrpolicy-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .hrpolicy-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .hrpolicy-final-form input,
    .hrpolicy-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .hrpolicy-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .hrpolicy-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .hrpolicy-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .hrpolicy-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .hrpolicy-refs ol{
      margin:0;
      padding-left:20px;
    }

    .hrpolicy-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .hrpolicy-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .hrpolicy-author-top,
      .hrpolicy-hero-grid,
      .hrpolicy-stat-strip,
      .hrpolicy-grid-2,
      .hrpolicy-grid-3,
      .hrpolicy-split,
      .hrpolicy-split.reverse,
      .hrpolicy-steps{
        grid-template-columns:1fr;
      }

      .hrpolicy-author-date{
        text-align:left;
        white-space:normal;
      }

      .hrpolicy-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .hrpolicy-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .hrpolicy-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .hrpolicy-page h2{
        font-size:28px;
      }

      .hrpolicy-hero-copy{
        padding:24px;
      }

      .hrpolicy-hero-copy h2{
        font-size:31px;
      }

      .hrpolicy-form-col,
      .hrpolicy-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* ==========================================================
    https://loyainsurance.org/negotiate-high-risk-auto-insurance-rates/
    ================================================================= */
    .hrneg-page,
    .hrneg-page *{
      box-sizing:border-box;
    }

    .hrneg-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 60px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .hrneg-page p{
      margin:0 0 18px;
    }

    .hrneg-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
    }

    .hrneg-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .hrneg-page h3{
      margin:0 0 10px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .hrneg-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .hrneg-author-card{
      margin:18px 0 30px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .hrneg-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#fff7ed 0%,#ffffff 48%,#eff6ff 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .hrneg-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .hrneg-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#b45309;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .hrneg-author-name{
      margin:0;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .hrneg-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .hrneg-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .hrneg-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .hrneg-author-body details{
      margin:0;
    }

    .hrneg-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#b45309;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .hrneg-author-body summary::-webkit-details-marker{
      display:none;
    }

    .hrneg-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .hrneg-author-body details[open] .hrneg-caret{
      transform:rotate(180deg);
    }

    .hrneg-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .hrneg-author-panel p{
      margin:0 0 10px!important;
    }

    .hrneg-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .hrneg-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#9a3412;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .hrneg-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#111827;
      border:1px solid #fed7aa;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .hrneg-hero-grid{
      display:grid;
      grid-template-columns:minmax(0,1.06fr) minmax(330px,.94fr);
      min-height:515px;
    }

    .hrneg-hero-copy{
      padding:46px;
      background:
        radial-gradient(circle at 18% 18%,rgba(251,146,60,.25),transparent 34%),
        radial-gradient(circle at 88% 82%,rgba(59,130,246,.20),transparent 36%),
        linear-gradient(135deg,#111827 0%,#1f2937 55%,#7c2d12 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .hrneg-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .hrneg-hero-copy h2{
      color:#fff;
      font-size:42px;
      max-width:760px;
    }

    .hrneg-hero-copy p{
      color:#f8fafc;
      max-width:760px;
    }

    .hrneg-hero-copy a{
      color:#fed7aa;
    }

    .hrneg-lede{
      font-size:18px;
      line-height:1.75;
    }

    .hrneg-hero-media{
      position:relative;
      min-height:515px;
      background:#111827;
    }

    .hrneg-hero-media img{
      width:100%;
      height:100%;
      min-height:515px;
      display:block;
      object-fit:cover;
    }

    .hrneg-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(180deg,rgba(15,23,42,.02),rgba(15,23,42,.48));
      pointer-events:none;
    }

    .hrneg-hero-note{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.94);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 14px 32px rgba(15,23,42,.18);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .hrneg-hero-note strong{
      display:block;
      color:#0f172a;
      font-size:15px;
      margin-bottom:5px;
    }

    .hrneg-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .hrneg-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .hrneg-stat:nth-child(2){
      background:#eff6ff;
    }

    .hrneg-stat:nth-child(3){
      background:#fff7ed;
    }

    .hrneg-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .hrneg-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .hrneg-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .hrneg-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .hrneg-alert strong{
      color:#9a3412;
      font-weight:900;
    }

    .hrneg-section{
      margin:46px 0;
    }

    .hrneg-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .hrneg-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .hrneg-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .hrneg-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .hrneg-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .hrneg-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .hrneg-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .hrneg-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .hrneg-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .hrneg-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .hrneg-card p:last-child{
      margin-bottom:0;
    }

    .hrneg-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .hrneg-list li{
      margin:0 0 12px;
    }

    .hrneg-split{
      display:grid;
      grid-template-columns:minmax(0,1fr) minmax(280px,360px);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .hrneg-split.reverse{
      grid-template-columns:minmax(280px,360px) minmax(0,1fr);
    }

    .hrneg-side-card{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#7c2d12,#111827);
      color:#fff;
      box-shadow:0 18px 42px rgba(124,45,18,.18);
    }

    .hrneg-side-card h3{
      color:#fff;
    }

    .hrneg-side-card p,
    .hrneg-side-card li{
      color:#e5e7eb;
      font-size:15px;
      line-height:1.6;
    }

    .hrneg-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .hrneg-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .hrneg-table th,
    .hrneg-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .hrneg-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .hrneg-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .hrneg-table tr:last-child td{
      border-bottom:0;
    }

    .hrneg-steps{
      margin:24px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .hrneg-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .hrneg-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#fff7ed;
      color:#c2410c;
      font-size:18px;
      font-weight:950;
    }

    .hrneg-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .hrneg-script-box{
      margin:24px 0;
      padding:24px;
      border-radius:26px;
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border:1px solid #bfdbfe;
      box-shadow:0 16px 36px rgba(15,23,42,.055);
    }

    .hrneg-script-box blockquote{
      margin:0;
      padding:0;
      color:#1e293b;
      font-size:16px;
      line-height:1.7;
      font-style:italic;
    }

    .hrneg-callout{
      margin:42px 0;
      padding:26px;
      border-radius:28px;
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border:1px solid #bbf7d0;
      box-shadow:0 16px 36px rgba(15,23,42,.055);
    }

    .hrneg-callout h2{
      font-size:28px;
      margin-bottom:12px;
    }

    .hrneg-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .hrneg-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .hrneg-faq summary::-webkit-details-marker{
      display:none;
    }

    .hrneg-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .hrneg-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .hrneg-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .hrneg-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .hrneg-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .hrneg-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .hrneg-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .hrneg-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .hrneg-final-form input,
    .hrneg-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .hrneg-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .hrneg-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .hrneg-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .hrneg-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .hrneg-refs ol{
      margin:0;
      padding-left:20px;
    }

    .hrneg-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .hrneg-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .hrneg-author-top,
      .hrneg-hero-grid,
      .hrneg-stat-strip,
      .hrneg-grid-2,
      .hrneg-grid-3,
      .hrneg-split,
      .hrneg-split.reverse,
      .hrneg-steps{
        grid-template-columns:1fr;
      }

      .hrneg-author-date{
        text-align:left;
        white-space:normal;
      }

      .hrneg-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .hrneg-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .hrneg-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .hrneg-page h2{
        font-size:28px;
      }

      .hrneg-hero-copy{
        padding:24px;
      }

      .hrneg-hero-copy h2{
        font-size:31px;
      }

      .hrneg-form-col,
      .hrneg-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* =================================================================
    https://loyainsurance.org/types-of-auto-insurance-coverage-explained/
    ===================================================================== */
    .covtypes-page,
    .covtypes-page *{
      box-sizing:border-box;
    }

    .covtypes-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 60px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .covtypes-page p{
      margin:0 0 18px;
    }

    .covtypes-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
    }

    .covtypes-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .covtypes-page h3{
      margin:0 0 10px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .covtypes-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .covtypes-author-card{
      margin:18px 0 30px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .covtypes-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#eff6ff 0%,#ffffff 48%,#fff7ed 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .covtypes-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .covtypes-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#1d4ed8;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .covtypes-author-name{
      margin:0;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .covtypes-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .covtypes-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .covtypes-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .covtypes-author-body details{
      margin:0;
    }

    .covtypes-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#1d4ed8;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .covtypes-author-body summary::-webkit-details-marker{
      display:none;
    }

    .covtypes-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .covtypes-author-body details[open] .covtypes-caret{
      transform:rotate(180deg);
    }

    .covtypes-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .covtypes-author-panel p{
      margin:0 0 10px!important;
    }

    .covtypes-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .covtypes-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#eff6ff;
      border:1px solid #bfdbfe;
      color:#1e40af;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .covtypes-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#111827;
      border:1px solid #bfdbfe;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .covtypes-hero-grid{
      display:grid;
      grid-template-columns:minmax(330px,.96fr) minmax(0,1.04fr);
      min-height:520px;
    }

    .covtypes-hero-media{
      position:relative;
      min-height:520px;
      background:#111827;
    }

    .covtypes-hero-media img{
      width:100%;
      height:100%;
      min-height:520px;
      display:block;
      object-fit:cover;
    }

    .covtypes-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(180deg,rgba(15,23,42,.02),rgba(15,23,42,.48));
      pointer-events:none;
    }

    .covtypes-hero-note{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.94);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 14px 32px rgba(15,23,42,.18);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .covtypes-hero-note strong{
      display:block;
      color:#0f172a;
      font-size:15px;
      margin-bottom:5px;
    }

    .covtypes-hero-copy{
      padding:46px;
      background:
        radial-gradient(circle at 84% 18%,rgba(96,165,250,.25),transparent 34%),
        radial-gradient(circle at 14% 86%,rgba(251,146,60,.24),transparent 38%),
        linear-gradient(135deg,#0f172a 0%,#1f2937 54%,#1e40af 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .covtypes-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .covtypes-hero-copy h2{
      color:#fff;
      font-size:42px;
      max-width:760px;
    }

    .covtypes-hero-copy p{
      color:#f8fafc;
      max-width:760px;
    }

    .covtypes-hero-copy a{
      color:#fed7aa;
    }

    .covtypes-lede{
      font-size:18px;
      line-height:1.75;
    }

    .covtypes-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .covtypes-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .covtypes-stat:nth-child(2){
      background:#eff6ff;
    }

    .covtypes-stat:nth-child(3){
      background:#fff7ed;
    }

    .covtypes-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .covtypes-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .covtypes-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .covtypes-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#eff6ff;
      border:1px solid #bfdbfe;
      color:#1e3a8a;
      box-shadow:0 12px 30px rgba(30,58,138,.055);
    }

    .covtypes-alert strong{
      color:#1d4ed8;
      font-weight:900;
    }

    .covtypes-section{
      margin:46px 0;
    }

    .covtypes-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .covtypes-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .covtypes-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .covtypes-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .covtypes-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .covtypes-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .covtypes-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .covtypes-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .covtypes-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .covtypes-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .covtypes-card p:last-child{
      margin-bottom:0;
    }

    .covtypes-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .covtypes-list li{
      margin:0 0 12px;
    }

    .covtypes-split{
      display:grid;
      grid-template-columns:minmax(0,1fr) minmax(280px,360px);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .covtypes-split.reverse{
      grid-template-columns:minmax(280px,360px) minmax(0,1fr);
    }

    .covtypes-side-card{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#1d4ed8,#111827);
      color:#fff;
      box-shadow:0 18px 42px rgba(30,64,175,.18);
    }

    .covtypes-side-card h3{
      color:#fff;
    }

    .covtypes-side-card p,
    .covtypes-side-card li{
      color:#e5e7eb;
      font-size:15px;
      line-height:1.6;
    }

    .covtypes-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .covtypes-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .covtypes-table th,
    .covtypes-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .covtypes-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .covtypes-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .covtypes-table tr:last-child td{
      border-bottom:0;
    }

    .covtypes-steps{
      margin:24px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .covtypes-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .covtypes-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#eff6ff;
      color:#1d4ed8;
      font-size:18px;
      font-weight:950;
    }

    .covtypes-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .covtypes-callout{
      margin:42px 0;
      padding:26px;
      border-radius:28px;
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border:1px solid #bbf7d0;
      box-shadow:0 16px 36px rgba(15,23,42,.055);
    }

    .covtypes-callout h2{
      font-size:28px;
      margin-bottom:12px;
    }

    .covtypes-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .covtypes-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .covtypes-faq summary::-webkit-details-marker{
      display:none;
    }

    .covtypes-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .covtypes-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .covtypes-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .covtypes-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .covtypes-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .covtypes-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .covtypes-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .covtypes-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .covtypes-final-form input,
    .covtypes-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .covtypes-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .covtypes-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .covtypes-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .covtypes-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .covtypes-refs ol{
      margin:0;
      padding-left:20px;
    }

    .covtypes-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .covtypes-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .covtypes-author-top,
      .covtypes-hero-grid,
      .covtypes-stat-strip,
      .covtypes-grid-2,
      .covtypes-grid-3,
      .covtypes-split,
      .covtypes-split.reverse,
      .covtypes-steps{
        grid-template-columns:1fr;
      }

      .covtypes-author-date{
        text-align:left;
        white-space:normal;
      }

      .covtypes-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .covtypes-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .covtypes-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .covtypes-page h2{
        font-size:28px;
      }

      .covtypes-hero-copy{
        padding:24px;
      }

      .covtypes-hero-copy h2{
        font-size:31px;
      }

      .covtypes-form-col,
      .covtypes-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* ============================================================
    https://loyainsurance.org/best-auto-insurance-first-time-drivers/
    ================================================================== */
    .ftdriver-page,
    .ftdriver-page *{
      box-sizing:border-box;
    }

    .ftdriver-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 60px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .ftdriver-page p{
      margin:0 0 18px;
    }

    .ftdriver-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
    }

    .ftdriver-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .ftdriver-page h3{
      margin:0 0 10px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .ftdriver-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .ftdriver-author-card{
      margin:18px 0 30px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .ftdriver-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#eff6ff 0%,#ffffff 50%,#fff7ed 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .ftdriver-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .ftdriver-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#2563eb;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .ftdriver-author-name{
      margin:0;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .ftdriver-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .ftdriver-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .ftdriver-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .ftdriver-author-body details{
      margin:0;
    }

    .ftdriver-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#2563eb;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .ftdriver-author-body summary::-webkit-details-marker{
      display:none;
    }

    .ftdriver-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .ftdriver-author-body details[open] .ftdriver-caret{
      transform:rotate(180deg);
    }

    .ftdriver-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .ftdriver-author-panel p{
      margin:0 0 10px!important;
    }

    .ftdriver-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .ftdriver-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#eff6ff;
      border:1px solid #bfdbfe;
      color:#1e40af;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .ftdriver-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#111827;
      border:1px solid #bfdbfe;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .ftdriver-hero-grid{
      display:grid;
      grid-template-columns:minmax(0,1.05fr) minmax(330px,.95fr);
      min-height:520px;
    }

    .ftdriver-hero-copy{
      padding:46px;
      background:
        radial-gradient(circle at 18% 18%,rgba(96,165,250,.27),transparent 34%),
        radial-gradient(circle at 86% 84%,rgba(251,146,60,.23),transparent 38%),
        linear-gradient(135deg,#0f172a 0%,#1f2937 55%,#1d4ed8 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .ftdriver-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .ftdriver-hero-copy h2{
      color:#fff;
      font-size:42px;
      max-width:760px;
    }

    .ftdriver-hero-copy p{
      color:#f8fafc;
      max-width:760px;
    }

    .ftdriver-hero-copy a{
      color:#fed7aa;
    }

    .ftdriver-lede{
      font-size:18px;
      line-height:1.75;
    }

    .ftdriver-hero-media{
      position:relative;
      min-height:520px;
      background:#111827;
    }

    .ftdriver-hero-media img{
      width:100%;
      height:100%;
      min-height:520px;
      display:block;
      object-fit:cover;
    }

    .ftdriver-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(180deg,rgba(15,23,42,.02),rgba(15,23,42,.50));
      pointer-events:none;
    }

    .ftdriver-hero-note{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.94);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 14px 32px rgba(15,23,42,.18);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .ftdriver-hero-note strong{
      display:block;
      color:#0f172a;
      font-size:15px;
      margin-bottom:5px;
    }

    .ftdriver-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .ftdriver-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .ftdriver-stat:nth-child(2){
      background:#eff6ff;
    }

    .ftdriver-stat:nth-child(3){
      background:#fff7ed;
    }

    .ftdriver-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .ftdriver-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .ftdriver-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .ftdriver-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#eff6ff;
      border:1px solid #bfdbfe;
      color:#1e3a8a;
      box-shadow:0 12px 30px rgba(30,58,138,.055);
    }

    .ftdriver-alert strong{
      color:#1d4ed8;
      font-weight:900;
    }

    .ftdriver-section{
      margin:46px 0;
    }

    .ftdriver-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .ftdriver-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .ftdriver-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .ftdriver-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .ftdriver-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .ftdriver-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .ftdriver-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .ftdriver-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .ftdriver-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .ftdriver-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .ftdriver-card p:last-child{
      margin-bottom:0;
    }

    .ftdriver-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .ftdriver-list li{
      margin:0 0 12px;
    }

    .ftdriver-split{
      display:grid;
      grid-template-columns:minmax(0,1fr) minmax(280px,360px);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .ftdriver-split.reverse{
      grid-template-columns:minmax(280px,360px) minmax(0,1fr);
    }

    .ftdriver-side-card{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#1d4ed8,#111827);
      color:#fff;
      box-shadow:0 18px 42px rgba(30,64,175,.18);
    }

    .ftdriver-side-card h3{
      color:#fff;
    }

    .ftdriver-side-card p,
    .ftdriver-side-card li{
      color:#e5e7eb;
      font-size:15px;
      line-height:1.6;
    }

    .ftdriver-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .ftdriver-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .ftdriver-table th,
    .ftdriver-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .ftdriver-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .ftdriver-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .ftdriver-table tr:last-child td{
      border-bottom:0;
    }

    .ftdriver-steps{
      margin:24px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .ftdriver-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .ftdriver-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#eff6ff;
      color:#1d4ed8;
      font-size:18px;
      font-weight:950;
    }

    .ftdriver-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .ftdriver-callout{
      margin:42px 0;
      padding:26px;
      border-radius:28px;
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border:1px solid #bbf7d0;
      box-shadow:0 16px 36px rgba(15,23,42,.055);
    }

    .ftdriver-callout h2{
      font-size:28px;
      margin-bottom:12px;
    }

    .ftdriver-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .ftdriver-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .ftdriver-faq summary::-webkit-details-marker{
      display:none;
    }

    .ftdriver-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .ftdriver-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .ftdriver-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .ftdriver-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .ftdriver-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .ftdriver-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .ftdriver-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .ftdriver-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .ftdriver-final-form input,
    .ftdriver-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .ftdriver-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .ftdriver-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .ftdriver-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .ftdriver-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .ftdriver-refs ol{
      margin:0;
      padding-left:20px;
    }

    .ftdriver-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .ftdriver-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .ftdriver-author-top,
      .ftdriver-hero-grid,
      .ftdriver-stat-strip,
      .ftdriver-grid-2,
      .ftdriver-grid-3,
      .ftdriver-split,
      .ftdriver-split.reverse,
      .ftdriver-steps{
        grid-template-columns:1fr;
      }

      .ftdriver-author-date{
        text-align:left;
        white-space:normal;
      }

      .ftdriver-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .ftdriver-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .ftdriver-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .ftdriver-page h2{
        font-size:28px;
      }

      .ftdriver-hero-copy{
        padding:24px;
      }

      .ftdriver-hero-copy h2{
        font-size:31px;
      }

      .ftdriver-form-col,
      .ftdriver-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* ================================================================
    https://loyainsurance.org/adjusting-uninsured-motorist-coverage-limits/
    =================================================================== */
    .author-card{
        box-sizing:border-box;
        font-size:12px !important;
        line-height:1.55 !important;
        color:#000;
      }
      .author-card *{box-sizing:border-box;}
      .author-card, .author-card p, .author-card div, .author-card span,
      .author-card summary, .author-card details{
        font-size:12px !important;
        line-height:1.55 !important;
      }
      .author-card details .author-bio{display:none; margin-top:8px; color:#333;}
      .author-card details[open] .author-bio{display:block;}
      .author-card summary{
        cursor:pointer;
        font-weight:600;
        display:flex;
        align-items:center;
        gap:8px;
        width:100%;
      }
      .author-card summary::-webkit-details-marker{display:none;}
      .author-card summary::marker{content:"";}
      .author-card .caret{
        margin-left:auto;
        min-width:16px;
        text-align:right;
        display:inline-block;
        transition:transform .2s ease;
      }
      .author-card details[open] .caret{transform:rotate(180deg);}
      .author-date{
        font-size:11px !important;
        color:#777;
        font-style:italic;
        margin:0 0 10px;
        line-height:1.3;
        text-align:right;
      }
      .author-review{
        color:#666;
        font-size:11px !important;
      }

      .um-limit-grid{
        display:grid;
        grid-template-columns:repeat(3, minmax(0, 1fr));
        gap:18px;
        margin:30px 0;
      }

      .um-limit-grid-two{
        display:grid;
        grid-template-columns:repeat(2, minmax(0, 1fr));
        gap:18px;
        margin:30px 0;
      }

      .um-limit-card{
        border-radius:20px;
        padding:24px 20px;
        border:1px solid rgba(15,23,42,.08);
        box-shadow:0 10px 25px rgba(15,23,42,.06);
        box-sizing:border-box;
      }

      .um-blue{background:#eef6ff;}
      .um-green{background:#eefbf3;}
      .um-orange{background:#fff4ec;}
      .um-purple{background:#f5f3ff;}
      .um-gray{background:#f8fafc;}

      .um-limit-icon{
        font-size:32px;
        line-height:1;
        margin-bottom:12px;
      }

      .um-limit-card h3{
        margin:0 0 10px;
        font-size:21px;
        line-height:1.25;
        color:#111827;
      }

      .um-limit-card p{
        margin:0 0 12px;
        font-size:15px;
        line-height:1.65;
        color:#374151;
      }

      .um-limit-card ul{
        margin:12px 0 0;
        padding-left:20px;
        color:#374151;
      }

      .um-limit-card li{
        margin-bottom:8px;
        line-height:1.55;
      }

      .um-table-wrap{
        overflow-x:auto;
        margin:28px 0;
        border-radius:18px;
        border:1px solid #e5e7eb;
        box-shadow:0 10px 24px rgba(15,23,42,.05);
      }

      .um-table{
        width:100%;
        border-collapse:collapse;
        min-width:680px;
        background:#fff;
      }

      .um-table th{
        background:#0f172a;
        color:#fff;
        text-align:left;
        padding:14px 16px;
        font-size:14px;
      }

      .um-table td{
        padding:14px 16px;
        border-top:1px solid #e5e7eb;
        font-size:14px;
        line-height:1.55;
        color:#374151;
        vertical-align:top;
      }

      .um-note-box{
        margin:28px 0;
        padding:22px 22px;
        border-left:5px solid #f97316;
        background:#fff7ed;
        border-radius:16px;
        color:#7c2d12;
        box-sizing:border-box;
      }

      .um-note-box p{
        margin:0;
        line-height:1.65;
      }

      .um-final-quote-cta{
        max-width:930px;
        margin:42px auto 26px;
        padding:34px 28px;
        border-radius:26px;
        background:linear-gradient(135deg,#0f172a 0%,#1e3a8a 56%,#111827 100%);
        color:#ffffff;
        box-shadow:0 18px 45px rgba(15,23,42,.18);
        box-sizing:border-box;
        overflow:hidden;
      }

      .um-final-quote-cta *{
        box-sizing:border-box;
      }

      .um-final-quote-cta h2{
        margin:0 0 12px;
        color:#ffffff;
        font-size:32px;
        line-height:1.12;
        font-weight:900;
        letter-spacing:-.03em;
      }

      .um-final-quote-cta p{
        margin:0 0 22px;
        color:rgba(255,255,255,.92);
        font-size:16px;
        line-height:1.6;
        max-width:760px;
      }

      .um-final-quote-form{
        display:flex;
        gap:12px;
        align-items:center;
        max-width:620px;
        margin:0;
      }

      .um-final-quote-form input{
        flex:1;
        min-width:0;
        height:54px;
        padding:0 16px;
        border:0;
        border-radius:14px;
        background:#ffffff;
        color:#111827;
        font-size:16px;
        font-weight:800;
        outline:none;
      }

      .um-final-quote-form button{
        height:54px;
        padding:0 22px;
        border:0;
        border-radius:14px;
        background:#dc2626;
        color:#ffffff;
        font-size:16px;
        font-weight:900;
        cursor:pointer;
        white-space:nowrap;
        box-shadow:0 12px 28px rgba(220,38,38,.32);
      }

      .um-final-quote-form button:hover{
        background:#b91c1c;
      }

      .um-final-quote-note{
        margin-top:14px!important;
        font-size:13px!important;
        line-height:1.45!important;
        color:rgba(255,255,255,.78)!important;
      }

      @media(max-width:900px){
        .um-limit-grid,
        .um-limit-grid-two{
          grid-template-columns:1fr;
        }

        .um-limit-card{
          width:100%;
          max-width:100%;
        }
      }

      @media(max-width:700px){
        .um-final-quote-cta{
          width:100%;
          max-width:100%;
          margin:34px auto 22px;
          padding:28px 18px;
          border-radius:22px;
        }

        .um-final-quote-cta h2{
          font-size:26px;
        }

        .um-final-quote-cta p{
          font-size:15px;
        }

        .um-final-quote-form{
          flex-direction:column;
          width:100%;
          max-width:100%;
        }

        .um-final-quote-form input,
        .um-final-quote-form button{
          width:100%;
        }
      }
      
      /* ===========================================================
      https://loyainsurance.org/uninsured-motorist-coverage-texas-wallet-protection/
      ============================================================ */
      .umtx-page,
    .umtx-page *{
      box-sizing:border-box;
    }

    .umtx-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 60px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .umtx-page p{
      margin:0 0 18px;
    }

    .umtx-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
    }

    .umtx-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .umtx-page h3{
      margin:0 0 10px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .umtx-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .umtx-author-card{
      margin:18px 0 30px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .umtx-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#fff7ed 0%,#ffffff 48%,#eff6ff 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .umtx-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .umtx-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#b45309;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .umtx-author-name{
      margin:0;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .umtx-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .umtx-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .umtx-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .umtx-author-body details{
      margin:0;
    }

    .umtx-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#b45309;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .umtx-author-body summary::-webkit-details-marker{
      display:none;
    }

    .umtx-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .umtx-author-body details[open] .umtx-caret{
      transform:rotate(180deg);
    }

    .umtx-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:840px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .umtx-author-panel p{
      margin:0 0 10px!important;
    }

    .umtx-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .umtx-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#9a3412;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .umtx-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#111827;
      border:1px solid #fed7aa;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .umtx-hero-grid{
      display:grid;
      grid-template-columns:minmax(0,1.04fr) minmax(330px,.96fr);
      min-height:520px;
    }

    .umtx-hero-copy{
      padding:46px;
      background:
        radial-gradient(circle at 18% 18%,rgba(251,146,60,.25),transparent 34%),
        radial-gradient(circle at 88% 82%,rgba(59,130,246,.20),transparent 36%),
        linear-gradient(135deg,#111827 0%,#1f2937 55%,#7c2d12 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .umtx-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .umtx-hero-copy h2{
      color:#fff;
      font-size:42px;
      max-width:760px;
    }

    .umtx-hero-copy p{
      color:#f8fafc;
      max-width:760px;
    }

    .umtx-hero-copy a{
      color:#fed7aa;
    }

    .umtx-lede{
      font-size:18px;
      line-height:1.75;
    }

    .umtx-hero-media{
      position:relative;
      min-height:520px;
      background:#111827;
    }

    .umtx-hero-media img{
      width:100%;
      height:100%;
      min-height:520px;
      display:block;
      object-fit:cover;
    }

    .umtx-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(180deg,rgba(15,23,42,.02),rgba(15,23,42,.50));
      pointer-events:none;
    }

    .umtx-hero-note{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.94);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 14px 32px rgba(15,23,42,.18);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .umtx-hero-note strong{
      display:block;
      color:#0f172a;
      font-size:15px;
      margin-bottom:5px;
    }

    .umtx-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .umtx-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .umtx-stat:nth-child(2){
      background:#eff6ff;
    }

    .umtx-stat:nth-child(3){
      background:#fff7ed;
    }

    .umtx-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .umtx-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .umtx-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .umtx-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .umtx-alert strong{
      color:#9a3412;
      font-weight:900;
    }

    .umtx-section{
      margin:46px 0;
    }

    .umtx-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .umtx-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .umtx-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .umtx-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .umtx-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .umtx-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .umtx-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .umtx-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .umtx-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .umtx-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .umtx-card p:last-child{
      margin-bottom:0;
    }

    .umtx-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .umtx-list li{
      margin:0 0 12px;
    }

    .umtx-split{
      display:grid;
      grid-template-columns:minmax(0,1fr) minmax(280px,360px);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .umtx-split.reverse{
      grid-template-columns:minmax(280px,360px) minmax(0,1fr);
    }

    .umtx-side-card{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#7c2d12,#111827);
      color:#fff;
      box-shadow:0 18px 42px rgba(124,45,18,.18);
    }

    .umtx-side-card h3{
      color:#fff;
    }

    .umtx-side-card p,
    .umtx-side-card li{
      color:#e5e7eb;
      font-size:15px;
      line-height:1.6;
    }

    .umtx-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .umtx-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .umtx-table th,
    .umtx-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .umtx-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .umtx-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .umtx-table tr:last-child td{
      border-bottom:0;
    }

    .umtx-steps{
      margin:24px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .umtx-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .umtx-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#fff7ed;
      color:#c2410c;
      font-size:18px;
      font-weight:950;
    }

    .umtx-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .umtx-callout{
      margin:42px 0;
      padding:26px;
      border-radius:28px;
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border:1px solid #bbf7d0;
      box-shadow:0 16px 36px rgba(15,23,42,.055);
    }

    .umtx-callout h2{
      font-size:28px;
      margin-bottom:12px;
    }

    .umtx-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .umtx-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .umtx-faq summary::-webkit-details-marker{
      display:none;
    }

    .umtx-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .umtx-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .umtx-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .umtx-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .umtx-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .umtx-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .umtx-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .umtx-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .umtx-final-form input,
    .umtx-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .umtx-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .umtx-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .umtx-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .umtx-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .umtx-refs ol{
      margin:0;
      padding-left:20px;
    }

    .umtx-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .umtx-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .umtx-author-top,
      .umtx-hero-grid,
      .umtx-stat-strip,
      .umtx-grid-2,
      .umtx-grid-3,
      .umtx-split,
      .umtx-split.reverse,
      .umtx-steps{
        grid-template-columns:1fr;
      }

      .umtx-author-date{
        text-align:left;
        white-space:normal;
      }

      .umtx-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .umtx-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .umtx-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .umtx-page h2{
        font-size:28px;
      }

      .umtx-hero-copy{
        padding:24px;
      }

      .umtx-hero-copy h2{
        font-size:31px;
      }

      .umtx-form-col,
      .umtx-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* =============================================================
    https://loyainsurance.org/save-money-loya-insurance/
    ======================================================= */
    .loya-save-page,.loya-save-page *{box-sizing:border-box}
    .loya-save-page{
      max-width:1160px;
      margin:0 auto;
      color:#0f172a;
      font-size:17px;
      line-height:1.72;
    }
    .loya-save-page p{margin:0 0 18px}
    .loya-save-page h2{
      font-size:34px;
      line-height:1.15;
      margin:0 0 18px;
      color:#082044;
      font-weight:900;
      letter-spacing:-.02em;
    }
    .loya-save-page h3{
      font-size:23px;
      line-height:1.2;
      margin:0 0 12px;
      color:#082044;
      font-weight:850;
    }
    .loya-save-page a{
      color:#0b67ae;
      text-decoration:underline;
      text-underline-offset:2px;
    }
    .loya-author-card{
      margin:16px 0 28px;
      padding:18px 20px;
      border:1px solid #e2e8f0;
      border-radius:18px;
      background:#f8fafc;
      box-shadow:0 10px 30px rgba(15,23,42,.05);
    }
    .loya-author-top{
      display:flex;
      justify-content:space-between;
      gap:16px;
      align-items:flex-start;
      flex-wrap:wrap;
    }
    .loya-author-left{
      display:flex;
      gap:14px;
      align-items:flex-start;
      min-width:0;
      flex:1 1 auto;
    }
    .loya-author-icon{
      width:48px;
      height:48px;
      border-radius:999px;
      background:#082044;
      color:#fff;
      display:flex;
      align-items:center;
      justify-content:center;
      font-size:20px;
      flex:0 0 48px;
      box-shadow:0 10px 20px rgba(8,32,68,.18);
    }
    .loya-author-name{
      font-size:18px;
      font-weight:850;
      color:#082044;
      line-height:1.25;
      margin:0 0 4px;
    }
    .loya-author-role{
      font-size:14px;
      color:#64748b;
      margin:0 0 6px!important;
    }
    .loya-author-date{
      font-size:13px;
      color:#64748b;
      line-height:1.45;
      text-align:right;
      font-style:italic;
    }
    .loya-author-dropdown{margin-top:6px}
    .loya-author-dropdown summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:6px;
      color:#0b67ae;
      font-size:13px;
      font-weight:850;
      list-style:none;
      user-select:none;
    }
    .loya-author-dropdown summary::-webkit-details-marker{display:none}
    .loya-author-dropdown summary::marker{content:""}
    .loya-author-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }
    .loya-author-dropdown[open] .loya-author-caret{transform:rotate(180deg)}
    .loya-author-dropdown-content{
      margin-top:10px;
      padding:12px 14px;
      border-radius:14px;
      background:#fff;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:14px;
      line-height:1.6;
      max-width:760px;
    }
    .loya-author-dropdown-content p{margin:0 0 10px!important}
    .loya-author-dropdown-content p:last-child{margin-bottom:0!important}
    .loya-intro-grid{
      display:grid;
      grid-template-columns:minmax(0,1.05fr) minmax(320px,.95fr);
      gap:30px;
      align-items:center;
      margin:0 0 36px;
    }
    .loya-eyebrow{
      display:inline-flex;
      align-items:center;
      padding:8px 14px;
      border-radius:999px;
      background:#eaf3ff;
      color:#0b67ae;
      font-size:13px;
      font-weight:850;
      letter-spacing:.03em;
      text-transform:uppercase;
      margin:0 0 18px;
    }
    .loya-image-card{
      background:#fff;
      border:1px solid #e5e7eb;
      border-radius:26px;
      padding:14px;
      box-shadow:0 18px 44px rgba(15,23,42,.08);
    }
    .loya-image-card img{
      display:block;
      width:100%;
      height:auto;
      border-radius:20px;
    }
    .loya-image-wide{
      margin:28px 0 36px;
      padding:14px;
      background:#fff;
      border:1px solid #e5e7eb;
      border-radius:26px;
      box-shadow:0 18px 44px rgba(15,23,42,.08);
    }
    .loya-image-wide img{
      display:block;
      width:100%;
      height:auto;
      border-radius:20px;
    }
.loya-image-small{
  max-width:560px;
  margin:28px auto 36px;
}

.loya-image-small img{
  width:100%;
  max-width:560px;
  height:auto;
}
    .loya-cards{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:20px;
      margin:0 0 38px;
    }
    .loya-card{
      background:#fff;
      border:1px solid #e5e7eb;
      border-radius:22px;
      padding:22px;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      height:100%;
    }
    .loya-card.blue{background:linear-gradient(135deg,#eff6ff,#fff);border-color:#bfdbfe}
    .loya-card.green{background:linear-gradient(135deg,#ecfdf5,#fff);border-color:#bbf7d0}
    .loya-card.orange{background:linear-gradient(135deg,#fff7ed,#fff);border-color:#fed7aa}
    .loya-card.purple{background:linear-gradient(135deg,#f5f3ff,#fff);border-color:#ddd6fe}
    .loya-card p:last-child{margin-bottom:0}
    .loya-section{margin:42px 0}
    .loya-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border:1px solid #e5e7eb;
      border-radius:22px;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }
    .loya-table{
      width:100%;
      border-collapse:collapse;
      min-width:760px;
    }
    .loya-table th,
    .loya-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }
    .loya-table th{
      background:#082044;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }
    .loya-table tr:last-child td{border-bottom:0}
    .loya-two-col{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:22px;
      margin:22px 0 0;
    }
    .loya-checklist,
    .loya-numbered{
      margin:0 0 20px;
      padding-left:22px;
    }
    .loya-checklist li,
    .loya-numbered li{margin:0 0 12px}
    .loya-soft-note{
      margin:38px 0 24px;
      padding:13px 16px;
      border-radius:14px;
      background:#f8fafc;
      border:1px solid #e5e7eb;
      color:#64748b;
      font-size:13px;
      line-height:1.55;
    }
    .loya-soft-note strong{
      color:#082044;
      font-weight:850;
    }
    .loya-cta{
      margin:42px auto 10px;
      max-width:760px;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 22px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      color:#fff;
    }
    .loya-cta-title{
      display:block;
      color:#fff!important;
      font-size:28px;
      line-height:1.1;
      font-weight:900;
      margin:0 0 8px;
      text-align:center;
    }
    .loya-cta-text{
      display:block;
      color:#e2e8f0!important;
      font-size:15px;
      line-height:1.55;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
    }
    .loya-cta-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }
    .loya-cta-input{
      flex:0 1 180px;
      min-width:180px;
      max-width:180px;
      width:100%;
      height:46px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:12px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:46px;
      box-shadow:none;
      outline:none;
    }
    .loya-cta-btn{
      width:100%;
      height:46px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:12px;
      background:#ff7a1a;
      color:#fff!important;
      font-size:15px;
      line-height:1;
      font-weight:850;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#fff;
    }
    .loya-refs{
      margin-top:34px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }
    .loya-refs h3{
      font-size:22px;
      margin-bottom:12px;
    }
    .loya-refs ol{
      margin:0;
      padding-left:20px;
    }
    .loya-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }
    .loya-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }
    @media(max-width:980px){
      .loya-intro-grid,
      .loya-cards,
      .loya-two-col{grid-template-columns:1fr}
      .loya-author-date{text-align:left}
    }
    
    /* ==================================================================
    https://loyainsurance.org/loya-insurance-company-discounts/
    ============================================================= */
    .loyadiscount-page,
    .loyadiscount-page *{
      box-sizing:border-box;
    }

    .loyadiscount-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 60px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .loyadiscount-page p{
      margin:0 0 18px;
    }

    .loyadiscount-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
    }

    .loyadiscount-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .loyadiscount-page h3{
      margin:0 0 10px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .loyadiscount-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .loyadiscount-author-card{
      margin:18px 0 30px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .loyadiscount-author-top{
      display:grid;
      grid-template-columns:minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#fff7ed 0%,#ffffff 48%,#eff6ff 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .loyadiscount-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#b45309;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .loyadiscount-author-name{
      margin:0;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .loyadiscount-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .loyadiscount-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .loyadiscount-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .loyadiscount-author-body details{
      margin:0;
    }

    .loyadiscount-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#b45309;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .loyadiscount-author-body summary::-webkit-details-marker{
      display:none;
    }

    .loyadiscount-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .loyadiscount-author-body details[open] .loyadiscount-caret{
      transform:rotate(180deg);
    }

    .loyadiscount-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:850px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .loyadiscount-author-panel p{
      margin:0 0 10px!important;
    }

    .loyadiscount-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .loyadiscount-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#9a3412;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .loyadiscount-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#111827;
      border:1px solid #fed7aa;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .loyadiscount-hero-grid{
      display:grid;
      grid-template-columns:minmax(0,1.05fr) minmax(330px,.95fr);
      min-height:520px;
    }

    .loyadiscount-hero-copy{
      padding:46px;
      background:
        radial-gradient(circle at 18% 18%,rgba(251,146,60,.25),transparent 34%),
        radial-gradient(circle at 86% 84%,rgba(59,130,246,.20),transparent 38%),
        linear-gradient(135deg,#111827 0%,#1f2937 55%,#7c2d12 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .loyadiscount-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .loyadiscount-hero-copy h2{
      color:#fff;
      font-size:42px;
      max-width:760px;
    }

    .loyadiscount-hero-copy p{
      color:#f8fafc;
      max-width:760px;
    }

    .loyadiscount-hero-copy a{
      color:#fed7aa;
    }

    .loyadiscount-lede{
      font-size:18px;
      line-height:1.75;
    }

    .loyadiscount-hero-media{
      position:relative;
      min-height:520px;
      background:#111827;
    }

    .loyadiscount-hero-media img{
      width:100%;
      height:100%;
      min-height:520px;
      display:block;
      object-fit:cover;
    }

    .loyadiscount-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(180deg,rgba(15,23,42,.03),rgba(15,23,42,.52));
      pointer-events:none;
    }

    .loyadiscount-hero-note{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.94);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 14px 32px rgba(15,23,42,.18);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .loyadiscount-hero-note strong{
      display:block;
      color:#0f172a;
      font-size:15px;
      margin-bottom:5px;
    }

    .loyadiscount-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .loyadiscount-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .loyadiscount-stat:nth-child(2){
      background:#eff6ff;
    }

    .loyadiscount-stat:nth-child(3){
      background:#fff7ed;
    }

    .loyadiscount-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .loyadiscount-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .loyadiscount-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .loyadiscount-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .loyadiscount-alert strong{
      color:#9a3412;
      font-weight:900;
    }

    .loyadiscount-section{
      margin:46px 0;
    }

    .loyadiscount-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .loyadiscount-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .loyadiscount-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .loyadiscount-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .loyadiscount-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .loyadiscount-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .loyadiscount-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .loyadiscount-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .loyadiscount-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .loyadiscount-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .loyadiscount-card p:last-child{
      margin-bottom:0;
    }

    .loyadiscount-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .loyadiscount-list li{
      margin:0 0 12px;
    }

    .loyadiscount-split{
      display:grid;
      grid-template-columns:minmax(0,1fr) minmax(280px,360px);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .loyadiscount-split.reverse{
      grid-template-columns:minmax(280px,360px) minmax(0,1fr);
    }

    .loyadiscount-side-card{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#7c2d12,#111827);
      color:#fff;
      box-shadow:0 18px 42px rgba(124,45,18,.18);
    }

    .loyadiscount-side-card h3{
      color:#fff;
    }

    .loyadiscount-side-card p,
    .loyadiscount-side-card li{
      color:#e5e7eb;
      font-size:15px;
      line-height:1.6;
    }

    .loyadiscount-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .loyadiscount-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .loyadiscount-table th,
    .loyadiscount-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .loyadiscount-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .loyadiscount-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .loyadiscount-table tr:last-child td{
      border-bottom:0;
    }

    .loyadiscount-steps{
      margin:24px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .loyadiscount-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .loyadiscount-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#fff7ed;
      color:#c2410c;
      font-size:18px;
      font-weight:950;
    }

    .loyadiscount-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .loyadiscount-media-box{
      margin:30px 0;
      padding:18px;
      border-radius:26px;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border:1px solid #e2e8f0;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .loyadiscount-video-wrap{
      position:relative;
      width:100%;
      padding-bottom:56.25%;
      height:0;
      overflow:hidden;
      border-radius:18px;
      background:#0f172a;
    }

    .loyadiscount-video-wrap iframe{
      position:absolute;
      inset:0;
      width:100%;
      height:100%;
      border:0;
    }

    .loyadiscount-callout{
      margin:42px 0;
      padding:26px;
      border-radius:28px;
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border:1px solid #bbf7d0;
      box-shadow:0 16px 36px rgba(15,23,42,.055);
    }

    .loyadiscount-callout h2{
      font-size:28px;
      margin-bottom:12px;
    }

    .loyadiscount-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .loyadiscount-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .loyadiscount-faq summary::-webkit-details-marker{
      display:none;
    }

    .loyadiscount-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .loyadiscount-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .loyadiscount-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .loyadiscount-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .loyadiscount-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .loyadiscount-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .loyadiscount-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .loyadiscount-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .loyadiscount-final-form input,
    .loyadiscount-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .loyadiscount-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .loyadiscount-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .loyadiscount-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .loyadiscount-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .loyadiscount-refs ol{
      margin:0;
      padding-left:20px;
    }

    .loyadiscount-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .loyadiscount-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .loyadiscount-author-top,
      .loyadiscount-hero-grid,
      .loyadiscount-stat-strip,
      .loyadiscount-grid-2,
      .loyadiscount-grid-3,
      .loyadiscount-split,
      .loyadiscount-split.reverse,
      .loyadiscount-steps{
        grid-template-columns:1fr;
      }

      .loyadiscount-author-date{
        text-align:left;
        white-space:normal;
      }

      .loyadiscount-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .loyadiscount-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .loyadiscount-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .loyadiscount-page h2{
        font-size:28px;
      }

      .loyadiscount-hero-copy{
        padding:24px;
      }

      .loyadiscount-hero-copy h2{
        font-size:31px;
      }

      .loyadiscount-form-col,
      .loyadiscount-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* ===========================================================
    https://loyainsurance.org/affordable-auto-insurance-from-loya-insurance-company/
    ============================================================= */
    .loyacheap-page,
    .loyacheap-page *{
      box-sizing:border-box;
    }

    .loyacheap-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 60px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .loyacheap-page p{
      margin:0 0 18px;
    }

    .loyacheap-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
    }

    .loyacheap-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .loyacheap-page h3{
      margin:0 0 10px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .loyacheap-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .loyacheap-author-card{
      margin:18px 0 30px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .loyacheap-author-top{
      display:grid;
      grid-template-columns:minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#fff7ed 0%,#ffffff 48%,#eff6ff 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .loyacheap-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#b45309;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .loyacheap-author-name{
      margin:0;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .loyacheap-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .loyacheap-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .loyacheap-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .loyacheap-author-body details{
      margin:0;
    }

    .loyacheap-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#b45309;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .loyacheap-author-body summary::-webkit-details-marker{
      display:none;
    }

    .loyacheap-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .loyacheap-author-body details[open] .loyacheap-caret{
      transform:rotate(180deg);
    }

    .loyacheap-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:850px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .loyacheap-author-panel p{
      margin:0 0 10px!important;
    }

    .loyacheap-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .loyacheap-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#9a3412;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .loyacheap-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#111827;
      border:1px solid #fed7aa;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .loyacheap-hero-grid{
      display:grid;
      grid-template-columns:minmax(0,1.05fr) minmax(330px,.95fr);
      min-height:520px;
    }

    .loyacheap-hero-copy{
      padding:46px;
      background:
        radial-gradient(circle at 18% 18%,rgba(251,146,60,.25),transparent 34%),
        radial-gradient(circle at 86% 84%,rgba(59,130,246,.20),transparent 38%),
        linear-gradient(135deg,#111827 0%,#1f2937 55%,#7c2d12 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .loyacheap-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .loyacheap-hero-copy h2{
      color:#fff;
      font-size:42px;
      max-width:760px;
    }

    .loyacheap-hero-copy p{
      color:#f8fafc;
      max-width:760px;
    }

    .loyacheap-hero-copy a{
      color:#fed7aa;
    }

    .loyacheap-lede{
      font-size:18px;
      line-height:1.75;
    }

    .loyacheap-hero-media{
      position:relative;
      min-height:520px;
      background:#111827;
    }

    .loyacheap-hero-media img{
      width:100%;
      height:100%;
      min-height:520px;
      display:block;
      object-fit:cover;
    }

    .loyacheap-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(180deg,rgba(15,23,42,.02),rgba(15,23,42,.52));
      pointer-events:none;
    }

    .loyacheap-hero-note{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.94);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 14px 32px rgba(15,23,42,.18);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .loyacheap-hero-note strong{
      display:block;
      color:#0f172a;
      font-size:15px;
      margin-bottom:5px;
    }

    .loyacheap-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .loyacheap-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .loyacheap-stat:nth-child(2){
      background:#eff6ff;
    }

    .loyacheap-stat:nth-child(3){
      background:#fff7ed;
    }

    .loyacheap-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .loyacheap-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .loyacheap-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .loyacheap-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .loyacheap-alert strong{
      color:#9a3412;
      font-weight:900;
    }

    .loyacheap-section{
      margin:46px 0;
    }

    .loyacheap-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .loyacheap-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .loyacheap-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .loyacheap-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .loyacheap-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .loyacheap-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .loyacheap-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .loyacheap-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .loyacheap-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .loyacheap-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .loyacheap-card p:last-child{
      margin-bottom:0;
    }

    .loyacheap-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .loyacheap-list li{
      margin:0 0 12px;
    }

    .loyacheap-split{
      display:grid;
      grid-template-columns:minmax(0,1fr) minmax(280px,360px);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .loyacheap-split.reverse{
      grid-template-columns:minmax(280px,360px) minmax(0,1fr);
    }

    .loyacheap-side-card{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#7c2d12,#111827);
      color:#fff;
      box-shadow:0 18px 42px rgba(124,45,18,.18);
    }

    .loyacheap-side-card h3{
      color:#fff;
    }

    .loyacheap-side-card p,
    .loyacheap-side-card li{
      color:#e5e7eb;
      font-size:15px;
      line-height:1.6;
    }

    .loyacheap-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .loyacheap-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .loyacheap-table th,
    .loyacheap-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .loyacheap-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .loyacheap-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .loyacheap-table tr:last-child td{
      border-bottom:0;
    }

    .loyacheap-steps{
      margin:24px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .loyacheap-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .loyacheap-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#fff7ed;
      color:#c2410c;
      font-size:18px;
      font-weight:950;
    }

    .loyacheap-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .loyacheap-callout{
      margin:42px 0;
      padding:26px;
      border-radius:28px;
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border:1px solid #bbf7d0;
      box-shadow:0 16px 36px rgba(15,23,42,.055);
    }

    .loyacheap-callout h2{
      font-size:28px;
      margin-bottom:12px;
    }

    .loyacheap-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .loyacheap-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .loyacheap-faq summary::-webkit-details-marker{
      display:none;
    }

    .loyacheap-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .loyacheap-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .loyacheap-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .loyacheap-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .loyacheap-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .loyacheap-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .loyacheap-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .loyacheap-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .loyacheap-final-form input,
    .loyacheap-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .loyacheap-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .loyacheap-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .loyacheap-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .loyacheap-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .loyacheap-refs ol{
      margin:0;
      padding-left:20px;
    }

    .loyacheap-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .loyacheap-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .loyacheap-author-top,
      .loyacheap-hero-grid,
      .loyacheap-stat-strip,
      .loyacheap-grid-2,
      .loyacheap-grid-3,
      .loyacheap-split,
      .loyacheap-split.reverse,
      .loyacheap-steps{
        grid-template-columns:1fr;
      }

      .loyacheap-author-date{
        text-align:left;
        white-space:normal;
      }

      .loyacheap-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .loyacheap-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .loyacheap-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .loyacheap-page h2{
        font-size:28px;
      }

      .loyacheap-hero-copy{
        padding:24px;
      }

      .loyacheap-hero-copy h2{
        font-size:31px;
      }

      .loyacheap-form-col,
      .loyacheap-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* ==============================================================
    https://loyainsurance.org/loya-full-coverage-insurance/
    ======================================================== */
     .loyafull-page,
    .loyafull-page *{
      box-sizing:border-box;
    }

    .loyafull-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 60px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .loyafull-page p{
      margin:0 0 18px;
    }

    .loyafull-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
      font-weight:750;
    }

    .loyafull-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .loyafull-page h3{
      margin:0 0 10px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .loyafull-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .loyafull-author-card{
      margin:18px 0 30px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .loyafull-author-top{
      display:grid;
      grid-template-columns:64px minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#fff7ed 0%,#ffffff 50%,#eff6ff 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .loyafull-author-top img{
      width:58px;
      height:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .loyafull-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#b45309;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .loyafull-author-name{
      margin:0;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .loyafull-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .loyafull-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .loyafull-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .loyafull-author-body details{
      margin:0;
    }

    .loyafull-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#b45309;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .loyafull-author-body summary::-webkit-details-marker{
      display:none;
    }

    .loyafull-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .loyafull-author-body details[open] .loyafull-caret{
      transform:rotate(180deg);
    }

    .loyafull-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:880px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .loyafull-author-panel p{
      margin:0 0 10px!important;
    }

    .loyafull-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .loyafull-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .loyafull-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#9a3412;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .loyafull-independent-note{
      margin:0 0 30px;
      padding:16px 18px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .loyafull-independent-note strong{
      color:#0f172a;
      font-weight:900;
    }

    .loyafull-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#111827;
      border:1px solid #fed7aa;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .loyafull-hero-grid{
      display:grid;
      grid-template-columns:minmax(0,1.04fr) minmax(330px,.96fr);
      min-height:460px;
    }

    .loyafull-hero-copy{
      padding:42px;
      background:
        radial-gradient(circle at 18% 18%,rgba(251,146,60,.25),transparent 34%),
        radial-gradient(circle at 88% 82%,rgba(59,130,246,.20),transparent 36%),
        linear-gradient(135deg,#111827 0%,#1f2937 55%,#7c2d12 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .loyafull-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .loyafull-hero-title{
      margin:0 0 16px;
      color:#fff;
      font-size:42px;
      line-height:1.08;
      font-weight:950;
      letter-spacing:-.035em;
      max-width:760px;
    }

    .loyafull-hero-copy p{
      color:#f8fafc;
      max-width:760px;
    }

    .loyafull-hero-copy a{
      color:#fed7aa;
    }

    .loyafull-lede{
      font-size:18px;
      line-height:1.75;
    }

    .loyafull-hero-media{
      position:relative;
      min-height:460px;
      background:#111827;
    }

    .loyafull-hero-media img{
      width:100%;
      height:100%;
      min-height:460px;
      display:block;
      object-fit:cover;
    }

    .loyafull-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(180deg,rgba(15,23,42,.02),rgba(15,23,42,.52));
      pointer-events:none;
    }

    .loyafull-hero-note{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.94);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 14px 32px rgba(15,23,42,.18);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .loyafull-hero-note strong{
      display:block;
      color:#0f172a;
      font-size:15px;
      margin-bottom:5px;
    }

    .loyafull-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .loyafull-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .loyafull-stat:nth-child(2){
      background:#eff6ff;
    }

    .loyafull-stat:nth-child(3){
      background:#fff7ed;
    }

    .loyafull-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .loyafull-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .loyafull-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .loyafull-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .loyafull-alert strong{
      color:#9a3412;
      font-weight:900;
    }

    .loyafull-section{
      margin:46px 0;
    }

    .loyafull-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .loyafull-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .loyafull-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .loyafull-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .loyafull-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .loyafull-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .loyafull-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .loyafull-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .loyafull-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .loyafull-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .loyafull-card p:last-child{
      margin-bottom:0;
    }

    .loyafull-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .loyafull-list li{
      margin:0 0 12px;
    }

    .loyafull-split{
      display:grid;
      grid-template-columns:minmax(0,1fr) minmax(280px,360px);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .loyafull-split.reverse{
      grid-template-columns:minmax(280px,360px) minmax(0,1fr);
    }

    .loyafull-side-card{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#7c2d12,#111827);
      color:#fff;
      box-shadow:0 18px 42px rgba(124,45,18,.18);
    }

    .loyafull-side-card h3{
      color:#fff;
    }

    .loyafull-side-card p,
    .loyafull-side-card li{
      color:#e5e7eb;
      font-size:15px;
      line-height:1.6;
    }

    .loyafull-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .loyafull-table{
      width:100%;
      border-collapse:collapse;
      min-width:800px;
      background:#fff;
    }

    .loyafull-table th,
    .loyafull-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .loyafull-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .loyafull-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .loyafull-table tr:last-child td{
      border-bottom:0;
    }

    .loyafull-steps{
      margin:24px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .loyafull-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .loyafull-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#fff7ed;
      color:#c2410c;
      font-size:18px;
      font-weight:950;
    }

    .loyafull-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .loyafull-callout{
      margin:42px 0;
      padding:26px;
      border-radius:28px;
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border:1px solid #bbf7d0;
      box-shadow:0 16px 36px rgba(15,23,42,.055);
    }

    .loyafull-callout h2{
      font-size:28px;
      margin-bottom:12px;
    }

    .loyafull-checklist{
      margin:26px 0 0;
      padding:24px;
      border-radius:28px;
      background:linear-gradient(135deg,#111827,#7c2d12);
      color:#fff;
      box-shadow:0 18px 42px rgba(15,23,42,.16);
    }

    .loyafull-checklist h2{
      color:#fff;
      font-size:28px;
    }

    .loyafull-checklist p,
    .loyafull-checklist li{
      color:#f8fafc;
    }

    .loyafull-checklist-grid{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:16px;
      margin-top:20px;
    }

    .loyafull-checkitem{
      padding:18px;
      border-radius:20px;
      background:rgba(255,255,255,.10);
      border:1px solid rgba(255,255,255,.16);
    }

    .loyafull-checkitem strong{
      display:block;
      margin-bottom:6px;
      color:#fff;
      font-size:16px;
      line-height:1.3;
      font-weight:900;
    }

    .loyafull-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .loyafull-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .loyafull-faq summary::-webkit-details-marker{
      display:none;
    }

    .loyafull-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .loyafull-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .loyafull-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .loyafull-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .loyafull-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .loyafull-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .loyafull-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .loyafull-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .loyafull-final-form input,
    .loyafull-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .loyafull-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .loyafull-final-form button:hover{
      background:#b91c1c;
    }

    .loyafull-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .loyafull-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .loyafull-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .loyafull-refs ol{
      margin:0;
      padding-left:20px;
    }

    .loyafull-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .loyafull-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .loyafull-author-top,
      .loyafull-hero-grid,
      .loyafull-stat-strip,
      .loyafull-grid-2,
      .loyafull-grid-3,
      .loyafull-split,
      .loyafull-split.reverse,
      .loyafull-steps,
      .loyafull-checklist-grid{
        grid-template-columns:1fr;
      }

      .loyafull-author-date{
        text-align:left;
        white-space:normal;
      }

      .loyafull-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .loyafull-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .loyafull-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .loyafull-page h2{
        font-size:28px;
      }

      .loyafull-hero-grid{
        min-height:auto;
      }

      .loyafull-hero-copy{
        padding:24px;
      }

      .loyafull-hero-title{
        font-size:31px;
      }

      .loyafull-hero-media,
      .loyafull-hero-media img{
        min-height:320px;
      }

      .loyafull-form-col,
      .loyafull-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }

      .loyafull-checklist{
        padding:22px;
      }
    }
  </style>

  <script type="application/ld+json">
  {
    "@context":"https://schema.org",
    "@type":"Article",
    "headline":"Loya Full Coverage Insurance: What It Includes and When It Makes Sense",
    "description":"A practical guide explaining what drivers usually mean by Loya full coverage insurance, including liability, collision, comprehensive, deductibles, lender requirements and when full coverage may or may not be worth keeping.",
    "image":"https://loyainsurance.org/wp-content/uploads/2026/03/Loya-Full-Coverage-Insurance.jpeg-1.png",
    "author":{
      "@type":"Person",
      "name":"Jane Taylor",
      "jobTitle":"Insurance content contributor"
    },
    "publisher":{
      "@type":"Organization",
      "name":"Loyainsurance.org",
      "url":"https://loyainsurance.org/"
    },
    "datePublished":"2026-03-03",
    "dateModified":"2026-05-14",
    "mainEntityOfPage":{
      "@type":"WebPage",
      "@id":"https://loyainsurance.org/loya-full-coverage-insurance/"
    }
  }
  
  /* ================================================================
  https://loyainsurance.org/loya-insurance-payments/
  ==================================================== */
  .loyapay-page,
    .loyapay-page *{
      box-sizing:border-box;
    }

    .loyapay-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 60px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
    }

    .loyapay-page p{
      margin:0 0 18px;
    }

    .loyapay-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
    }

    .loyapay-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .loyapay-page h3{
      margin:0 0 10px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .loyapay-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .loyapay-author-card{
      margin:18px 0 30px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .loyapay-author-top{
      display:grid;
      grid-template-columns:minmax(0,1fr) auto;
      gap:16px;
      align-items:center;
      padding:18px 20px;
      background:linear-gradient(135deg,#fff7ed 0%,#ffffff 50%,#eff6ff 100%);
      border-bottom:1px solid #e5e7eb;
    }

    .loyapay-author-label{
      display:inline-flex;
      margin:0 0 8px;
      padding:6px 11px;
      border-radius:999px;
      background:#b45309;
      color:#fff;
      font-size:12px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .loyapay-author-name{
      margin:0;
      color:#0f172a;
      font-size:18px;
      line-height:1.25;
      font-weight:900;
    }

    .loyapay-author-role{
      margin:4px 0 0!important;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-weight:650;
    }

    .loyapay-author-date{
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .loyapay-author-body{
      padding:15px 20px 17px;
      background:#fff;
    }

    .loyapay-author-body details{
      margin:0;
    }

    .loyapay-author-body summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#b45309;
      font-size:13px;
      line-height:1.3;
      font-weight:850;
      list-style:none;
      user-select:none;
    }

    .loyapay-author-body summary::-webkit-details-marker{
      display:none;
    }

    .loyapay-caret{
      display:inline-block;
      transition:transform .2s ease;
      font-size:12px;
      line-height:1;
    }

    .loyapay-author-body details[open] .loyapay-caret{
      transform:rotate(180deg);
    }

    .loyapay-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:850px;
      border-radius:16px;
      border:1px solid #e2e8f0;
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .loyapay-author-panel p{
      margin:0 0 10px!important;
    }

    .loyapay-author-tags{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin:0 0 12px;
      padding:0;
      list-style:none;
    }

    .loyapay-author-tags li{
      padding:5px 10px;
      border-radius:999px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#9a3412;
      font-size:12px;
      line-height:1;
      font-weight:800;
    }

    .loyapay-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#111827;
      border:1px solid #fed7aa;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .loyapay-hero-grid{
      display:grid;
      grid-template-columns:minmax(0,1.05fr) minmax(330px,.95fr);
      min-height:520px;
    }

    .loyapay-hero-copy{
      padding:46px;
      background:
        radial-gradient(circle at 18% 18%,rgba(251,146,60,.25),transparent 34%),
        radial-gradient(circle at 86% 84%,rgba(59,130,246,.20),transparent 38%),
        linear-gradient(135deg,#111827 0%,#1f2937 55%,#7c2d12 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .loyapay-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .loyapay-hero-copy h2{
      color:#fff;
      font-size:42px;
      max-width:760px;
    }

    .loyapay-hero-copy p{
      color:#f8fafc;
      max-width:760px;
    }

    .loyapay-hero-copy a{
      color:#fed7aa;
    }

    .loyapay-lede{
      font-size:18px;
      line-height:1.75;
    }

    .loyapay-hero-media{
      position:relative;
      min-height:520px;
      background:#111827;
    }

    .loyapay-hero-media img{
      width:100%;
      height:100%;
      min-height:520px;
      display:block;
      object-fit:cover;
    }

    .loyapay-hero-media:after{
      content:"";
      position:absolute;
      inset:0;
      background:linear-gradient(180deg,rgba(15,23,42,.02),rgba(15,23,42,.52));
      pointer-events:none;
    }

    .loyapay-hero-note{
      position:absolute;
      left:18px;
      right:18px;
      bottom:18px;
      z-index:2;
      padding:16px 18px;
      border-radius:20px;
      background:rgba(255,255,255,.94);
      color:#334155;
      font-size:13px;
      line-height:1.45;
      box-shadow:0 14px 32px rgba(15,23,42,.18);
      backdrop-filter:blur(10px);
      -webkit-backdrop-filter:blur(10px);
    }

    .loyapay-hero-note strong{
      display:block;
      color:#0f172a;
      font-size:15px;
      margin-bottom:5px;
    }

    .loyapay-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .loyapay-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .loyapay-stat:nth-child(2){
      background:#eff6ff;
    }

    .loyapay-stat:nth-child(3){
      background:#fff7ed;
    }

    .loyapay-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .loyapay-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .loyapay-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .loyapay-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#fff7ed;
      border:1px solid #fed7aa;
      color:#7c2d12;
      box-shadow:0 12px 30px rgba(124,45,18,.055);
    }

    .loyapay-alert strong{
      color:#9a3412;
      font-weight:900;
    }

    .loyapay-section{
      margin:46px 0;
    }

    .loyapay-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .loyapay-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:20px;
      margin:24px 0 0;
    }

    .loyapay-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
      margin:24px 0 0;
    }

    .loyapay-card{
      height:100%;
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
    }

    .loyapay-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .loyapay-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .loyapay-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .loyapay-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .loyapay-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .loyapay-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .loyapay-card p:last-child{
      margin-bottom:0;
    }

    .loyapay-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .loyapay-list li{
      margin:0 0 12px;
    }

    .loyapay-split{
      display:grid;
      grid-template-columns:minmax(0,1fr) minmax(280px,360px);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .loyapay-split.reverse{
      grid-template-columns:minmax(280px,360px) minmax(0,1fr);
    }

    .loyapay-side-card{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#7c2d12,#111827);
      color:#fff;
      box-shadow:0 18px 42px rgba(124,45,18,.18);
    }

    .loyapay-side-card h3{
      color:#fff;
    }

    .loyapay-side-card p,
    .loyapay-side-card li{
      color:#e5e7eb;
      font-size:15px;
      line-height:1.6;
    }

    .loyapay-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .loyapay-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .loyapay-table th,
    .loyapay-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .loyapay-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .loyapay-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .loyapay-table tr:last-child td{
      border-bottom:0;
    }

    .loyapay-steps{
      margin:24px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .loyapay-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .loyapay-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#fff7ed;
      color:#c2410c;
      font-size:18px;
      font-weight:950;
    }

    .loyapay-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .loyapay-callout{
      margin:42px 0;
      padding:26px;
      border-radius:28px;
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border:1px solid #bbf7d0;
      box-shadow:0 16px 36px rgba(15,23,42,.055);
    }

    .loyapay-callout h2{
      font-size:28px;
      margin-bottom:12px;
    }

    .loyapay-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .loyapay-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .loyapay-faq summary::-webkit-details-marker{
      display:none;
    }

    .loyapay-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .loyapay-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .loyapay-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .loyapay-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .loyapay-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .loyapay-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .loyapay-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .loyapay-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .loyapay-final-form input,
    .loyapay-final-form select{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .loyapay-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .loyapay-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .loyapay-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .loyapay-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .loyapay-refs ol{
      margin:0;
      padding-left:20px;
    }

    .loyapay-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .loyapay-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .loyapay-author-top,
      .loyapay-hero-grid,
      .loyapay-stat-strip,
      .loyapay-grid-2,
      .loyapay-grid-3,
      .loyapay-split,
      .loyapay-split.reverse,
      .loyapay-steps{
        grid-template-columns:1fr;
      }

      .loyapay-author-date{
        text-align:left;
        white-space:normal;
      }

      .loyapay-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .loyapay-stat:last-child{
        border-bottom:0;
      }
    }

    @media(max-width:640px){
      .loyapay-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .loyapay-page h2{
        font-size:28px;
      }

      .loyapay-hero-copy{
        padding:24px;
      }

      .loyapay-hero-copy h2{
        font-size:31px;
      }

      .loyapay-form-col,
      .loyapay-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }
    
    /* =============================================================
    https://loyainsurance.org/auto-insurance-first-time-drivers/
    =============================================================== */
    .ftfactors-page,
    .ftfactors-page *{
      box-sizing:border-box;
    }

    .ftfactors-page{
      max-width:1120px;
      margin:0 auto;
      padding:0 24px 60px;
      color:#172033;
      font-size:17px;
      line-height:1.72;
      font-family:inherit;
      overflow:hidden;
    }

    .ftfactors-page p{
      margin:0 0 18px;
    }

    .ftfactors-page a{
      color:#b45309;
      text-decoration:underline;
      text-underline-offset:3px;
      font-weight:750;
    }

    .ftfactors-page h2{
      margin:0 0 16px;
      color:#0f172a;
      font-size:32px;
      line-height:1.18;
      font-weight:900;
      letter-spacing:-.025em;
    }

    .ftfactors-page h3{
      margin:0 0 10px;
      color:#111827;
      font-size:22px;
      line-height:1.25;
      font-weight:850;
    }

    .ftfactors-page h4{
      margin:0 0 8px;
      color:#111827;
      font-size:18px;
      line-height:1.25;
      font-weight:850;
    }

    .jt-author-card{
      width:100%;
      max-width:940px;
      margin:18px auto 30px;
      border:1px solid #e2e8f0;
      border-radius:18px;
      background:linear-gradient(135deg,#eff6ff 0%,#ffffff 56%,#fff7ed 100%);
      box-shadow:0 14px 34px rgba(15,23,42,.06);
      overflow:hidden;
    }

    .jt-author-row{
      display:flex;
      align-items:center;
      gap:16px;
      padding:18px 20px;
    }

    .jt-author-photo,
    .jt-author-avatar{
      width:58px;
      height:58px;
      min-width:58px;
      border-radius:999px;
      object-fit:cover;
      border:2px solid #fff;
      box-shadow:0 10px 24px rgba(15,23,42,.12);
    }

    .jt-author-avatar{
      display:flex;
      align-items:center;
      justify-content:center;
      background:#1d4ed8;
      color:#fff;
      font-size:18px;
      font-weight:900;
    }

    .jt-author-content{
      flex:1;
      min-width:0;
    }

    .jt-author-topline{
      display:flex;
      align-items:center;
      gap:12px;
      flex-wrap:wrap;
      color:#0f172a;
      font-size:15px;
      line-height:1.35;
    }

    .jt-author-topline strong{
      font-size:18px;
      color:#0f172a;
      font-weight:900;
    }

    .jt-author-topline span{
      color:#64748b;
      font-size:14px;
    }

    .jt-author-badge{
      display:inline-flex;
      align-items:center;
      padding:6px 11px;
      border-radius:999px;
      background:#1d4ed8;
      color:#fff!important;
      font-size:12px!important;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
      white-space:nowrap;
    }

    .jt-author-details{
      margin-top:8px;
    }

    .jt-author-details summary{
      cursor:pointer;
      display:inline-flex;
      align-items:center;
      gap:6px;
      color:#1d4ed8;
      font-size:13px;
      font-weight:850;
      list-style:none;
    }

    .jt-author-details summary::-webkit-details-marker{
      display:none;
    }

    .jt-author-panel{
      margin-top:12px;
      padding:14px 16px;
      max-width:780px;
      border-radius:14px;
      background:#fff;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:14px;
      line-height:1.65;
    }

    .jt-author-panel p{
      margin:0 0 10px!important;
    }

    .jt-author-panel p:last-child{
      margin-bottom:0!important;
    }

    .jt-author-date{
      min-width:180px;
      color:#64748b;
      font-size:13px;
      line-height:1.45;
      font-style:italic;
      text-align:right;
      white-space:nowrap;
    }

    .ftfactors-hero{
      margin:0 0 34px;
      border-radius:34px;
      overflow:hidden;
      background:#111827;
      border:1px solid #bfdbfe;
      box-shadow:0 24px 60px rgba(15,23,42,.13);
    }

    .ftfactors-hero-grid{
      display:grid;
      grid-template-columns:minmax(0,1.05fr) minmax(300px,.78fr);
      min-height:500px;
    }

    .ftfactors-hero-copy{
      padding:46px;
      background:
        radial-gradient(circle at 18% 18%,rgba(96,165,250,.27),transparent 34%),
        radial-gradient(circle at 86% 84%,rgba(251,146,60,.23),transparent 38%),
        linear-gradient(135deg,#0f172a 0%,#1f2937 55%,#1d4ed8 100%);
      color:#fff;
      display:flex;
      flex-direction:column;
      justify-content:center;
    }

    .ftfactors-eyebrow{
      display:inline-flex;
      width:max-content;
      margin:0 0 17px;
      padding:8px 14px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      color:#fff;
      font-size:13px;
      line-height:1;
      font-weight:900;
      letter-spacing:.04em;
      text-transform:uppercase;
    }

    .ftfactors-page-title{
      display:block;
      color:#fff;
      font-size:clamp(34px,5vw,46px);
      line-height:1.05;
      letter-spacing:-.04em;
      font-weight:950;
      max-width:760px;
      margin:0 0 18px!important;
    }

    .ftfactors-hero-copy p{
      color:#f8fafc;
      max-width:760px;
    }

    .ftfactors-hero-copy a{
      color:#fed7aa;
    }

    .ftfactors-lede{
      font-size:18px;
      line-height:1.75;
    }

    .ftfactors-hero-panel{
      padding:28px;
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      display:flex;
      align-items:center;
      justify-content:center;
    }

    .ftfactors-hero-panel-card{
      width:100%;
      border-radius:26px;
      padding:26px;
      background:#fff;
      border:1px solid #bfdbfe;
      box-shadow:0 18px 42px rgba(15,23,42,.10);
    }

    .ftfactors-hero-panel-card h3{
      color:#1d4ed8;
      font-size:24px;
      margin-bottom:14px;
    }

    .ftfactors-hero-checklist{
      margin:0;
      padding:0;
      list-style:none;
    }

    .ftfactors-hero-checklist li{
      display:flex;
      gap:10px;
      align-items:flex-start;
      margin:0 0 14px;
      color:#475569;
      font-size:15px;
      line-height:1.55;
    }

    .ftfactors-hero-checklist li:last-child{
      margin-bottom:0;
    }

    .ftfactors-hero-checklist span{
      width:24px;
      height:24px;
      min-width:24px;
      border-radius:999px;
      display:flex;
      align-items:center;
      justify-content:center;
      background:#eff6ff;
      color:#1d4ed8;
      font-weight:950;
      font-size:13px;
      border:1px solid #bfdbfe;
    }

    .ftfactors-hero-note{
      margin-top:18px;
      padding:15px 16px;
      border-radius:18px;
      background:#0f172a;
      color:#e5e7eb;
      font-size:14px;
      line-height:1.55;
    }

    .ftfactors-hero-note strong{
      display:block;
      color:#fff;
      margin-bottom:5px;
    }

    .ftfactors-stat-strip{
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      background:#fff;
      border-top:1px solid rgba(226,232,240,.35);
    }

    .ftfactors-stat{
      padding:18px 20px;
      border-right:1px solid #e5e7eb;
      background:#fff;
    }

    .ftfactors-stat:nth-child(2){
      background:#eff6ff;
    }

    .ftfactors-stat:nth-child(3){
      background:#fff7ed;
    }

    .ftfactors-stat:nth-child(4){
      background:#ecfdf5;
      border-right:0;
    }

    .ftfactors-stat strong{
      display:block;
      margin:0 0 4px;
      color:#0f172a;
      font-size:18px;
      line-height:1.2;
      font-weight:950;
    }

    .ftfactors-stat span{
      display:block;
      color:#475569;
      font-size:14px;
      line-height:1.5;
    }

    .ftfactors-alert{
      margin:0 0 38px;
      padding:20px 22px;
      border-radius:22px;
      background:#eff6ff;
      border:1px solid #bfdbfe;
      color:#1e3a8a;
      box-shadow:0 12px 30px rgba(30,58,138,.055);
    }

    .ftfactors-alert strong{
      color:#1d4ed8;
      font-weight:900;
    }

    .ftfactors-section{
      margin:46px 0;
    }

    .ftfactors-section.narrow{
      max-width:930px;
      margin-left:auto;
      margin-right:auto;
    }

    .ftfactors-grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:28px 20px;
      align-items:stretch;
      margin:24px 0 34px;
    }

    .ftfactors-grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:28px 20px;
      align-items:stretch;
      margin:24px 0 34px;
    }

    .ftfactors-card{
      padding:22px;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 14px 34px rgba(15,23,42,.055);
      position:relative;
      z-index:1;
    }

    .ftfactors-card.blue{
      background:linear-gradient(135deg,#eff6ff,#ffffff);
      border-color:#bfdbfe;
    }

    .ftfactors-card.green{
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border-color:#bbf7d0;
    }

    .ftfactors-card.orange{
      background:linear-gradient(135deg,#fff7ed,#ffffff);
      border-color:#fed7aa;
    }

    .ftfactors-card.purple{
      background:linear-gradient(135deg,#faf5ff,#ffffff);
      border-color:#e9d5ff;
    }

    .ftfactors-card.red{
      background:linear-gradient(135deg,#fef2f2,#ffffff);
      border-color:#fecaca;
    }

    .ftfactors-card.gray{
      background:linear-gradient(135deg,#f8fafc,#ffffff);
      border-color:#e2e8f0;
    }

    .ftfactors-card p:last-child{
      margin-bottom:0;
    }

    .ftfactors-list{
      margin:0 0 20px;
      padding-left:22px;
    }

    .ftfactors-list li{
      margin:0 0 12px;
    }

    .ftfactors-split{
      display:grid;
      grid-template-columns:minmax(0,1fr) minmax(280px,360px);
      gap:26px;
      align-items:start;
      margin:26px 0 0;
    }

    .ftfactors-split.reverse{
      grid-template-columns:minmax(280px,360px) minmax(0,1fr);
    }

    .ftfactors-side-card{
      padding:24px;
      border-radius:24px;
      background:linear-gradient(135deg,#1d4ed8,#111827);
      color:#fff;
      box-shadow:0 18px 42px rgba(30,64,175,.18);
    }

    .ftfactors-side-card h3{
      color:#fff;
    }

    .ftfactors-side-card p,
    .ftfactors-side-card li{
      color:#e5e7eb;
      font-size:15px;
      line-height:1.6;
    }

    .ftfactors-table-wrap{
      margin:24px 0 30px;
      overflow-x:auto;
      border-radius:22px;
      border:1px solid #e5e7eb;
      background:#fff;
      box-shadow:0 16px 36px rgba(15,23,42,.05);
    }

    .ftfactors-table{
      width:100%;
      border-collapse:collapse;
      min-width:780px;
      background:#fff;
    }

    .ftfactors-table th,
    .ftfactors-table td{
      padding:16px 18px;
      text-align:left;
      vertical-align:top;
      border-bottom:1px solid #e5e7eb;
      font-size:15px;
      line-height:1.55;
    }

    .ftfactors-table th{
      background:#111827;
      color:#fff;
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.04em;
      font-weight:850;
    }

    .ftfactors-table tbody tr:nth-child(even) td{
      background:#f8fafc;
    }

    .ftfactors-table tr:last-child td{
      border-bottom:0;
    }

    .ftfactors-steps{
      margin:24px 0 0;
      display:grid;
      grid-template-columns:repeat(4,minmax(0,1fr));
      gap:14px;
    }

    .ftfactors-step{
      padding:18px;
      border-radius:22px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 12px 30px rgba(15,23,42,.045);
    }

    .ftfactors-step span{
      width:40px;
      height:40px;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:0 0 12px;
      border-radius:14px;
      background:#eff6ff;
      color:#1d4ed8;
      font-size:18px;
      font-weight:950;
    }

    .ftfactors-step p{
      color:#475569;
      font-size:15px;
      line-height:1.6;
      margin-bottom:0;
    }

    .ftfactors-callout{
      margin:42px 0;
      padding:26px;
      border-radius:28px;
      background:linear-gradient(135deg,#ecfdf5,#ffffff);
      border:1px solid #bbf7d0;
      box-shadow:0 16px 36px rgba(15,23,42,.055);
    }

    .ftfactors-callout h2{
      font-size:28px;
      margin-bottom:12px;
    }

    .ftfactors-faq details{
      margin:0 0 12px;
      padding:17px 19px;
      border-radius:16px;
      background:#fff;
      border:1px solid #e5e7eb;
      box-shadow:0 10px 26px rgba(15,23,42,.04);
    }

    .ftfactors-faq summary{
      cursor:pointer;
      color:#0f172a;
      font-weight:850;
      list-style:none;
    }

    .ftfactors-faq summary::-webkit-details-marker{
      display:none;
    }

    .ftfactors-faq p{
      margin:12px 0 0!important;
      color:#475569;
      font-size:15px;
      line-height:1.6;
    }

    .ftfactors-final-quote{
      margin:46px auto 36px;
      width:100%;
      display:flex;
      justify-content:center;
    }

    .ftfactors-final-quote-inner{
      max-width:800px;
      width:100%;
      background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
      border-radius:22px;
      padding:22px 24px 20px;
      box-shadow:0 16px 38px rgba(10,20,40,.20);
      border:1px solid rgba(255,255,255,.08);
    }

    .ftfactors-final-title{
      display:block;
      color:#ffffff!important;
      font-size:24px;
      line-height:1.15;
      font-weight:900;
      margin:0 0 7px;
      text-align:center;
      -webkit-text-fill-color:#ffffff;
    }

    .ftfactors-final-subtitle{
      display:block;
      color:#e2e8f0!important;
      font-size:14px;
      line-height:1.5;
      font-weight:500;
      margin:0 0 14px;
      text-align:center;
      -webkit-text-fill-color:#e2e8f0;
    }

    .ftfactors-final-form{
      display:flex;
      gap:10px;
      align-items:center;
      justify-content:center;
      flex-wrap:wrap;
      margin:0;
      padding:0;
      width:100%;
    }

    .ftfactors-form-col{
      flex:1 1 180px;
      min-width:160px;
      max-width:200px;
      margin:0;
      padding:0;
    }

    .ftfactors-form-col.button-col{
      flex:0 0 160px;
      min-width:160px;
    }

    .ftfactors-final-form input{
      width:100%;
      height:44px;
      display:block;
      box-sizing:border-box;
      margin:0;
      padding:0 12px;
      border:none;
      border-radius:10px;
      background:#f3f4f6;
      color:#24324a;
      font-size:15px;
      line-height:44px;
      box-shadow:none;
      outline:none;
    }

    .ftfactors-final-form button{
      width:100%;
      height:44px;
      display:inline-flex;
      align-items:center;
      justify-content:center;
      box-sizing:border-box;
      border:none;
      border-radius:10px;
      background:#dc2626;
      color:#ffffff!important;
      font-size:15px;
      line-height:1;
      font-weight:800;
      text-align:center;
      padding:0 18px;
      cursor:pointer;
      -webkit-text-fill-color:#ffffff;
    }

    .ftfactors-editorial{
      margin:34px 0;
      padding:18px 20px;
      border-radius:20px;
      background:#f8fafc;
      border:1px solid #e2e8f0;
      color:#475569;
      font-size:15px;
      line-height:1.65;
    }

    .ftfactors-refs{
      margin-top:36px;
      padding-top:24px;
      border-top:1px solid #e5e7eb;
    }

    .ftfactors-refs h3{
      margin:0 0 12px;
      color:#0f172a;
      font-size:22px;
      line-height:1.2;
      font-weight:900;
    }

    .ftfactors-refs ol{
      margin:0;
      padding-left:20px;
    }

    .ftfactors-refs li{
      margin:0 0 10px;
      color:#334155;
      font-size:15px;
      line-height:1.6;
    }

    .ftfactors-ref-back{
      margin-left:6px;
      white-space:nowrap;
      text-decoration:none!important;
      font-weight:850;
    }

    @media(max-width:980px){
      .ftfactors-hero-grid,
      .ftfactors-stat-strip,
      .ftfactors-grid-2,
      .ftfactors-grid-3,
      .ftfactors-split,
      .ftfactors-split.reverse,
      .ftfactors-steps{
        grid-template-columns:1fr;
      }

      .ftfactors-stat{
        border-right:0;
        border-bottom:1px solid #e5e7eb;
      }

      .ftfactors-stat:last-child{
        border-bottom:0;
      }

      .jt-author-row{
        align-items:flex-start;
        flex-wrap:wrap;
      }

      .jt-author-content{
        flex:1 1 calc(100% - 80px);
      }

      .jt-author-date{
        width:100%;
        min-width:0;
        text-align:left;
        padding-left:74px;
        white-space:normal;
      }
    }

    @media(max-width:640px){
      .ftfactors-page{
        padding:0 18px 44px;
        font-size:16px;
      }

      .ftfactors-page h2{
        font-size:28px;
      }

      .ftfactors-hero-copy,
      .ftfactors-hero-panel{
        padding:24px;
      }

      .ftfactors-page-title{
        font-size:32px;
      }

      .ftfactors-form-col,
      .ftfactors-form-col.button-col{
        flex:1 1 100%;
        max-width:none;
      }
    }

    @media(max-width:560px){
      .jt-author-row{
        display:block;
      }

      .jt-author-photo,
      .jt-author-avatar{
        margin-bottom:12px;
      }

      .jt-author-topline{
        display:block;
      }

      .jt-author-badge,
      .jt-author-topline strong,
      .jt-author-topline span{
        margin:0 0 7px;
      }

      .jt-author-date{
        padding-left:0;
        margin-top:10px;
      }
    }
    
    /* ============================================================
    https://loyainsurance.org/uninsured-motorist-coverage-cost-benefits-explained/
    ============================================================== */
    .loya-umc-article{
    max-width:930px;
    margin:0 auto;
    padding:0 28px;
    color:#102033;
    font-size:17px;
    line-height:1.72;
    box-sizing:border-box;
  }

  .loya-umc-article *{
    box-sizing:border-box;
  }

  .loya-umc-article h2{
    color:#0f172a;
    font-size:32px;
    line-height:1.22;
    margin:34px 0 16px;
    font-weight:850;
  }

  .loya-umc-article h3{
    color:#13213f;
    font-size:22px;
    line-height:1.28;
    margin:26px 0 10px;
    font-weight:800;
  }

  .loya-umc-article p{
    margin:0 0 18px;
  }

  .loya-umc-article a{
    color:#0b63ce;
    text-decoration:underline;
    text-underline-offset:3px;
  }

  .loya-umc-article img{
    max-width:100%;
    height:auto;
    display:block;
    margin:28px auto;
    border-radius:18px;
    box-shadow:0 12px 30px rgba(15,23,42,.10);
  }

  .loya-author-card{
    margin:18px 0 24px;
    padding:16px 18px;
    border:1px solid #e7edf5;
    border-radius:16px;
    background:linear-gradient(180deg,#fbfdff 0%,#f7fafc 100%);
    box-shadow:0 10px 26px rgba(15,23,42,.05);
    color:#111827;
    font-size:13px;
    line-height:1.6;
  }

  .loya-author-card *{
    font-size:inherit;
    line-height:inherit;
  }

  .loya-author-top{
    display:flex;
    align-items:flex-start;
    justify-content:space-between;
    gap:14px;
    flex-wrap:wrap;
  }

  .loya-author-left{
    min-width:0;
    flex:1 1 520px;
  }

  .loya-author-badge-row{
    display:flex;
    align-items:flex-start;
    gap:12px;
  }

  .loya-author-icon{
    width:42px;
    height:42px;
    min-width:42px;
    border-radius:999px;
    display:flex;
    align-items:center;
    justify-content:center;
    background:linear-gradient(135deg,#13213f 0%,#22325a 100%);
    color:#ffffff;
    box-shadow:0 6px 16px rgba(19,33,63,.18);
  }

  .loya-author-byline{
    display:flex;
    flex-wrap:wrap;
    align-items:baseline;
    gap:6px;
    margin:0 0 2px;
  }

  .loya-author-by{
    font-weight:700;
    color:#1f2937;
  }

  .loya-author-name{
    font-weight:850;
    color:#0f172a;
  }

  .loya-author-role{
    color:#64748b;
    font-weight:500;
  }

  .loya-author-sub,
  .loya-author-date{
    margin:0;
    color:#64748b;
    font-size:12px;
  }

  .loya-author-date{
    text-align:right;
    font-style:italic;
  }

  .loya-author-details{
    margin-top:10px;
  }

  .loya-author-details summary{
    cursor:pointer;
    color:#0a7a78;
    font-weight:800;
    list-style:none;
  }

  .loya-author-details summary::-webkit-details-marker{
    display:none;
  }

  .loya-author-bio{
    margin-top:12px;
    padding-top:12px;
    border-top:1px solid #e7edf5;
    color:#334155;
  }

  .loya-author-tags{
    display:flex;
    flex-wrap:wrap;
    gap:8px;
    margin:0 0 12px;
    padding:0;
    list-style:none;
  }

  .loya-author-tags li{
    margin:0;
    padding:5px 10px;
    border-radius:999px;
    background:#eef6ff;
    color:#284b7a;
    border:1px solid #dbeafe;
    font-size:11px;
    font-weight:800;
  }

  .loya-card{
    margin:24px 0;
    padding:22px;
    border-radius:20px;
    border:1px solid #e3ebf6;
    background:linear-gradient(180deg,#ffffff 0%,#f8fbff 100%);
    box-shadow:0 12px 30px rgba(15,23,42,.06);
  }

  .loya-card.dark{
    background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
    color:#ffffff;
    border:1px solid rgba(255,255,255,.10);
  }

  .loya-card.dark h2,
  .loya-card.dark h3,
  .loya-card.dark p,
  .loya-card.dark li{
    color:#ffffff;
  }

  .loya-highlight{
    border-left:5px solid #ff7a1a;
    background:#fff7ed;
    padding:18px 20px;
    border-radius:16px;
    margin:22px 0;
    color:#3b2a16;
  }

  .loya-grid{
    display:grid;
    grid-template-columns:repeat(3,minmax(0,1fr));
    gap:16px;
    margin:22px 0;
  }

  .loya-mini-card{
    padding:18px;
    border-radius:18px;
    background:#ffffff;
    border:1px solid #e4edf8;
    box-shadow:0 10px 24px rgba(15,23,42,.06);
  }

  .loya-mini-card strong{
    display:block;
    color:#13213f;
    font-size:16px;
    margin-bottom:7px;
  }

  .loya-mini-card p{
    margin:0;
    color:#475569;
    font-size:15px;
    line-height:1.62;
  }

  .loya-check-list{
    display:grid;
    grid-template-columns:repeat(2,minmax(0,1fr));
    gap:14px;
    margin:22px 0;
    padding:0;
    list-style:none;
  }

  .loya-check-list li{
    margin:0;
    padding:16px 16px 16px 44px;
    border-radius:16px;
    background:#f8fbff;
    border:1px solid #e3ebf6;
    position:relative;
    color:#334155;
  }

  .loya-check-list li:before{
    content:"✓";
    position:absolute;
    left:16px;
    top:16px;
    width:20px;
    height:20px;
    border-radius:999px;
    display:flex;
    align-items:center;
    justify-content:center;
    background:#0a7a78;
    color:#ffffff;
    font-size:12px;
    font-weight:900;
  }

  .loya-table-wrap{
    overflow-x:auto;
    margin:24px 0;
    border-radius:18px;
    box-shadow:0 12px 28px rgba(15,23,42,.07);
    border:1px solid #e2e8f0;
  }

  .loya-table{
    width:100%;
    border-collapse:collapse;
    min-width:680px;
    background:#ffffff;
  }

  .loya-table th{
    background:#13213f;
    color:#ffffff;
    text-align:left;
    padding:15px 16px;
    font-size:15px;
    line-height:1.4;
  }

  .loya-table td{
    padding:15px 16px;
    border-top:1px solid #e2e8f0;
    color:#334155;
    vertical-align:top;
    font-size:15px;
    line-height:1.58;
  }

  .loya-table tr:nth-child(even) td{
    background:#f8fafc;
  }

  .loya-faq{
    margin:18px 0;
  }

  .loya-faq details{
    border:1px solid #e2e8f0;
    border-radius:16px;
    background:#ffffff;
    box-shadow:0 8px 20px rgba(15,23,42,.04);
    padding:0;
    margin:12px 0;
    overflow:hidden;
  }

  .loya-faq summary{
    cursor:pointer;
    padding:16px 18px;
    font-weight:850;
    color:#13213f;
    list-style:none;
  }

  .loya-faq summary::-webkit-details-marker{
    display:none;
  }

  .loya-faq details p{
    padding:0 18px 18px;
    margin:0;
    color:#475569;
  }

  .loya-final-cta{
    margin:34px auto 10px;
    width:100%;
    max-width:860px;
  }

  .loya-final-cta-box{
    background:linear-gradient(135deg,#13213f 0%,#0f1b36 100%);
    border-radius:22px;
    padding:28px 24px;
    box-shadow:0 12px 30px rgba(10,20,40,.16);
    border:1px solid rgba(255,255,255,.08);
  }

  .loya-final-cta-badge{
    display:inline-block;
    background:#ffffff;
    border:1px solid #d7e3ff;
    color:#3557ad;
    font-size:12px;
    line-height:1;
    font-weight:850;
    letter-spacing:.08em;
    text-transform:uppercase;
    border-radius:999px;
    padding:7px 12px;
    margin:0 0 12px;
  }

  .loya-final-cta h2{
    margin:0 0 10px;
    color:#ffffff;
    font-size:30px;
    line-height:1.18;
    font-weight:850;
  }

  .loya-final-cta p{
    margin:0;
    color:#dbe6ff;
    font-size:16px;
    line-height:1.7;
  }

  .loya-final-cta form{
    max-width:640px;
    margin:20px auto 0;
  }

  .loya-final-cta-row{
    display:flex;
    flex-wrap:wrap;
    gap:12px;
    align-items:center;
    justify-content:center;
  }

  .loya-final-cta input,
  .loya-final-cta select{
    height:52px;
    border-radius:14px;
    border:1px solid #cfd9ee;
    padding:0 16px;
    font-size:15px;
    font-weight:650;
    color:#1c2740;
    box-sizing:border-box;
    background:#ffffff;
  }

  .loya-final-cta input{
    flex:1 1 180px;
    min-width:180px;
  }

  .loya-final-cta select{
    flex:0 0 150px;
    min-width:150px;
  }

  .loya-final-cta button{
    flex:0 0 auto;
    height:52px;
    border:none;
    border-radius:14px;
    padding:0 22px;
    background:linear-gradient(135deg,#ff7a1a 0%,#ff9a2f 100%);
    color:#ffffff;
    font-size:15px;
    font-weight:850;
    cursor:pointer;
    box-shadow:0 10px 22px rgba(255,122,26,.28);
  }

  .loya-references{
    margin:34px 0 10px;
    padding:22px;
    border-radius:18px;
    background:#f8fafc;
    border:1px solid #e2e8f0;
    font-size:14px;
    line-height:1.6;
  }

  .loya-references h2{
    margin-top:0;
    font-size:24px;
  }

  .loya-references ol{
    margin:0;
    padding-left:22px;
  }

  .loya-references li{
    margin:0 0 10px;
  }

  @media (max-width:760px){
    .loya-umc-article{
      padding:0 16px;
      font-size:16px;
    }

    .loya-umc-article h2{
      font-size:27px;
    }

    .loya-grid,
    .loya-check-list{
      grid-template-columns:1fr;
    }

    .loya-author-date{
      text-align:left;
    }

    .loya-final-cta h2{
      font-size:25px;
    }

    .loya-final-cta input,
    .loya-final-cta select,
    .loya-final-cta button{
      width:100%;
      flex:1 1 100%;
    }
  }
  
  /* =================================================================
  https://loyainsurance.org/loya-insurance-near-me/
  =================================================== */
   .loya-near-page,
    .loya-near-page *{
      box-sizing:border-box;
    }

.loya-near-page{
  max-width:1120px;
  margin:0 auto;
  padding:0 24px 58px;
  color:#172033;
  font-size:17px;
  line-height:1.72;
}

.loya-near-page p{
  margin:0 0 18px;
}

.loya-near-page a{
  color:#b45309;
  text-decoration:underline;
  text-underline-offset:3px;
}

.loya-near-page h2{
  margin:0 0 16px;
  color:#0f172a;
  font-size:32px;
  line-height:1.18;
  font-weight:900;
  letter-spacing:-.025em;
}

.loya-near-page h3{
  margin:0 0 11px;
  color:#111827;
  font-size:22px;
  line-height:1.25;
  font-weight:850;
}

.loya-near-page h4{
  margin:0 0 8px;
  color:#111827;
  font-size:18px;
  line-height:1.25;
  font-weight:850;
}

.loya-author-card{
  margin:18px 0 30px;
  border-radius:22px;
  background:#fff;
  border:1px solid #e5e7eb;
  box-shadow:0 14px 34px rgba(15,23,42,.06);
  overflow:hidden;
}

.loya-author-top{
  display:grid;
  grid-template-columns:minmax(0,1fr) auto;
  gap:16px;
  align-items:center;
  padding:18px 20px;
  background:linear-gradient(135deg,#eff6ff 0%,#ffffff 48%,#fff7ed 100%);
  border-bottom:1px solid #e5e7eb;
}

.loya-author-label{
  display:inline-flex;
  margin:0 0 8px;
  padding:6px 11px;
  border-radius:999px;
  background:#0f172a;
  color:#fff;
  font-size:12px;
  line-height:1;
  font-weight:900;
  letter-spacing:.04em;
  text-transform:uppercase;
}

.loya-author-name{
  margin:0;
  color:#0f172a;
  font-size:18px;
  line-height:1.25;
  font-weight:900;
}

.loya-author-role{
  margin:4px 0 0!important;
  color:#64748b;
  font-size:13px;
  line-height:1.45;
  font-weight:650;
}

.loya-author-date{
  color:#64748b;
  font-size:13px;
  line-height:1.45;
  font-style:italic;
  text-align:right;
  white-space:nowrap;
}

.loya-author-body{
  padding:15px 20px 17px;
  background:#fff;
}

.loya-author-body details{
  margin:0;
}

.loya-author-body summary{
  cursor:pointer;
  display:flex;
  align-items:center;
  gap:8px;
  color:#b45309;
  font-size:13px;
  line-height:1.3;
  font-weight:850;
  list-style:none;
  user-select:none;
}

.loya-author-body summary::-webkit-details-marker{
  display:none;
}

.loya-caret{
  margin-left:auto;
  display:inline-block;
  transition:transform .2s ease;
  font-size:12px;
  line-height:1;
}

.loya-author-body details[open] .loya-caret{
  transform:rotate(180deg);
}

.loya-author-panel{
  margin-top:12px;
  padding:14px 16px;
  max-width:840px;
  border-radius:16px;
  border:1px solid #e2e8f0;
  background:linear-gradient(135deg,#f8fafc,#ffffff);
  color:#475569;
  font-size:14px;
  line-height:1.65;
}

.loya-author-panel p{
  margin:0 0 10px!important;
}

.loya-hero{
  margin:0 0 34px;
  border-radius:34px;
  overflow:hidden;
  background:#0f172a;
  border:1px solid #dbeafe;
  box-shadow:0 24px 60px rgba(15,23,42,.13);
}

.loya-hero-grid{
  display:grid;
  grid-template-columns:minmax(0,1.05fr) minmax(360px,.95fr);
  min-height:455px;
}

.loya-hero-copy{
  padding:44px;
  background:
    radial-gradient(circle at 14% 12%,rgba(249,115,22,.26),transparent 34%),
    radial-gradient(circle at 92% 86%,rgba(59,130,246,.30),transparent 36%),
    linear-gradient(135deg,#0f172a 0%,#1f2937 54%,#111827 100%);
  color:#fff;
  display:flex;
  flex-direction:column;
  justify-content:center;
}

.loya-eyebrow{
  display:inline-flex;
  width:max-content;
  margin:0 0 17px;
  padding:8px 14px;
  border-radius:999px;
  background:rgba(255,255,255,.14);
  color:#fff;
  font-size:13px;
  line-height:1;
  font-weight:900;
  letter-spacing:.04em;
  text-transform:uppercase;
}

.loya-hero-copy h2{
  color:#fff;
  font-size:40px;
  max-width:720px;
}

.loya-hero-copy p{
  color:#e5eefb;
  max-width:720px;
}

.loya-hero-copy a{
  color:#fed7aa;
}

.loya-lede{
  font-size:18px;
  line-height:1.72;
}

.loya-hero-media{
  position:relative;
  min-height:455px;
  background:#111827;
}

.loya-hero-media img{
  width:100%;
  height:100%;
  min-height:455px;
  display:block;
  object-fit:cover;
}

.loya-hero-media:after{
  content:"";
  position:absolute;
  inset:0;
  background:linear-gradient(180deg,rgba(15,23,42,.04),rgba(15,23,42,.42));
  pointer-events:none;
}

.loya-hero-note{
  position:absolute;
  left:18px;
  right:18px;
  bottom:18px;
  z-index:2;
  padding:16px 18px;
  border-radius:20px;
  background:rgba(255,255,255,.93);
  color:#334155;
  font-size:13px;
  line-height:1.45;
  box-shadow:0 14px 32px rgba(15,23,42,.18);
  backdrop-filter:blur(10px);
  -webkit-backdrop-filter:blur(10px);
}

.loya-hero-note strong{
  display:block;
  color:#0f172a;
  font-size:15px;
  margin-bottom:5px;
}

.loya-stat-row{
  display:grid;
  grid-template-columns:repeat(4,minmax(0,1fr));
  background:#fff;
  border-top:1px solid rgba(226,232,240,.35);
}

.loya-stat{
  padding:18px 20px;
  border-right:1px solid #e5e7eb;
  background:#fff;
}

.loya-stat:nth-child(2){
  background:#eff6ff;
}

.loya-stat:nth-child(3){
  background:#fff7ed;
}

.loya-stat:nth-child(4){
  background:#ecfdf5;
  border-right:0;
}

.loya-stat strong{
  display:block;
  margin:0 0 4px;
  color:#0f172a;
  font-size:18px;
  line-height:1.2;
  font-weight:950;
}

.loya-stat span{
  display:block;
  color:#475569;
  font-size:14px;
  line-height:1.5;
}

.loya-alert{
  margin:0 0 38px;
  padding:20px 22px;
  border-radius:22px;
  background:#fff7ed;
  border:1px solid #fed7aa;
  color:#7c2d12;
  box-shadow:0 12px 30px rgba(124,45,18,.055);
}

.loya-alert strong{
  color:#9a3412;
  font-weight:900;
}

.loya-section{
  margin:46px 0;
}

.loya-section.narrow{
  max-width:930px;
  margin-left:auto;
  margin-right:auto;
}

.loya-grid-2{
  display:grid;
  grid-template-columns:repeat(2,minmax(0,1fr));
  gap:20px;
  margin:24px 0 0;
}

.loya-grid-3{
  display:grid;
  grid-template-columns:repeat(3,minmax(0,1fr));
  gap:18px;
  margin:24px 0 0;
}

.loya-card{
  height:100%;
  padding:22px;
  border-radius:22px;
  border:1px solid #e5e7eb;
  background:#fff;
  box-shadow:0 14px 34px rgba(15,23,42,.055);
}

.loya-card.blue{
  background:linear-gradient(135deg,#eff6ff,#ffffff);
  border-color:#bfdbfe;
}

.loya-card.green{
  background:linear-gradient(135deg,#ecfdf5,#ffffff);
  border-color:#bbf7d0;
}

.loya-card.orange{
  background:linear-gradient(135deg,#fff7ed,#ffffff);
  border-color:#fed7aa;
}

.loya-card.purple{
  background:linear-gradient(135deg,#faf5ff,#ffffff);
  border-color:#e9d5ff;
}

.loya-card.red{
  background:linear-gradient(135deg,#fef2f2,#ffffff);
  border-color:#fecaca;
}

.loya-card.gray{
  background:linear-gradient(135deg,#f8fafc,#ffffff);
  border-color:#e2e8f0;
}

.loya-list{
  margin:0 0 20px;
  padding-left:22px;
}

.loya-list li{
  margin:0 0 12px;
}

.loya-table-wrap{
  margin:24px 0 30px;
  overflow-x:auto;
  border-radius:22px;
  border:1px solid #e5e7eb;
  background:#fff;
  box-shadow:0 16px 36px rgba(15,23,42,.05);
}

.loya-table{
  width:100%;
  border-collapse:collapse;
  min-width:780px;
  background:#fff;
}

.loya-table th,
.loya-table td{
  padding:16px 18px;
  text-align:left;
  vertical-align:top;
  border-bottom:1px solid #e5e7eb;
  font-size:15px;
  line-height:1.55;
}

.loya-table th{
  background:#111827;
  color:#fff;
  font-size:14px;
  text-transform:uppercase;
  letter-spacing:.04em;
  font-weight:850;
}

.loya-table tbody tr:nth-child(even) td{
  background:#f8fafc;
}

.loya-table tr:last-child td{
  border-bottom:0;
}

.loya-image-band{
  margin:30px 0;
  display:grid;
  grid-template-columns:minmax(280px,.9fr) minmax(0,1.1fr);
  gap:24px;
  align-items:center;
  padding:22px;
  border-radius:28px;
  background:linear-gradient(135deg,#f8fafc,#ffffff);
  border:1px solid #e2e8f0;
  box-shadow:0 14px 34px rgba(15,23,42,.055);
}

.loya-image-band img{
  width:100%;
  max-width:460px;
  height:auto;
  display:block;
  margin:0 auto;
  border-radius:22px;
  box-shadow:0 16px 34px rgba(15,23,42,.10);
}

.loya-steps{
  margin:26px 0 0;
  display:grid;
  grid-template-columns:repeat(4,minmax(0,1fr));
  gap:14px;
}

.loya-step{
  padding:18px;
  border-radius:22px;
  background:#fff;
  border:1px solid #e5e7eb;
  box-shadow:0 12px 30px rgba(15,23,42,.045);
}

.loya-step span{
  width:40px;
  height:40px;
  display:flex;
  align-items:center;
  justify-content:center;
  margin:0 0 12px;
  border-radius:14px;
  background:#fff7ed;
  color:#b45309;
  font-size:18px;
  font-weight:950;
}

.loya-step p{
  color:#475569;
  font-size:15px;
  line-height:1.6;
  margin-bottom:0;
}

.loya-near-me-cards{
  max-width:1100px;
  margin:30px auto;
  padding:0;
  box-sizing:border-box;
}

.loya-near-me-grid{
  display:grid;
  grid-template-columns:repeat(auto-fit, minmax(240px, 1fr));
  gap:20px;
}

.loya-near-me-card{
  background:#ffffff;
  border-radius:22px;
  box-shadow:0 10px 24px rgba(15,23,42,.08);
  border:1px solid #eef2f7;
  overflow:hidden;
  box-sizing:border-box;
}

.loya-near-me-card-header{
  padding:20px 20px 12px;
  border-bottom:2px solid #eef2ff;
}

.loya-near-me-icon{
  font-size:32px;
  line-height:1;
  margin-bottom:10px;
}

.loya-near-me-card-title{
  font-size:21px;
  font-weight:800;
  letter-spacing:-.01em;
  color:#0f172a;
  line-height:1.2;
}

.loya-near-me-card-content{
  padding:18px 20px 22px;
}

.loya-near-me-card-content p{
  font-size:16px;
  line-height:1.6;
  color:#374151;
  margin:0 0 12px;
}

.loya-near-me-list{
  margin:12px 0 0;
  padding:0;
  list-style:none;
}

.loya-near-me-list li{
  display:flex;
  align-items:flex-start;
  gap:9px;
  margin-bottom:10px;
  font-size:15px;
  line-height:1.45;
  color:#1f2937;
}

.loya-near-me-list li::before{
  content:"✓";
  font-weight:900;
  background:#15803d;
  color:#fff;
  display:inline-flex;
  align-items:center;
  justify-content:center;
  width:20px;
  height:20px;
  min-width:20px;
  border-radius:999px;
  font-size:12px;
  margin-top:1px;
}

.loya-near-me-list.warning-list li::before{
  content:"✗";
  background:#dc2626;
}

.loya-near-me-highlight{
  font-weight:700;
  color:#166534;
  background:#ecfdf3;
  display:inline-block;
  padding:3px 7px;
  border-radius:8px;
}

.loya-near-me-tip{
  background:#fff7ed;
  color:#9a3412;
  font-size:14px;
  font-weight:800;
  padding:6px 10px;
  border-radius:999px;
  display:inline-block;
  margin-top:10px;
}

.loya-final-quote-cta{
  max-width:930px;
  margin:42px auto 26px;
  padding:34px 28px;
  border-radius:26px;
  background:linear-gradient(135deg,#0f172a 0%,#1e3a8a 56%,#111827 100%);
  color:#ffffff;
  box-shadow:0 18px 45px rgba(15,23,42,.18);
  box-sizing:border-box;
  overflow:hidden;
}

.loya-final-quote-cta h2{
  margin:0 0 12px;
  color:#ffffff;
  font-size:32px;
  line-height:1.12;
  font-weight:900;
  letter-spacing:-.03em;
}

.loya-final-quote-cta p{
  margin:0 0 22px;
  color:rgba(255,255,255,.92);
  font-size:16px;
  line-height:1.6;
  max-width:760px;
}

.loya-final-quote-form{
  display:flex;
  gap:12px;
  align-items:center;
  max-width:620px;
  margin:0;
}

.loya-final-quote-form input{
  flex:1;
  min-width:0;
  height:54px;
  padding:0 16px;
  border:0;
  border-radius:14px;
  background:#ffffff;
  color:#111827;
  font-size:16px;
  font-weight:800;
  outline:none;
}

.loya-final-quote-form input::placeholder{
  color:#6b7280;
}

.loya-final-quote-form button{
  height:54px;
  padding:0 22px;
  border:0;
  border-radius:14px;
  background:#dc2626;
  color:#ffffff;
  font-size:16px;
  font-weight:900;
  cursor:pointer;
  white-space:nowrap;
  box-shadow:0 12px 28px rgba(220,38,38,.32);
}

.loya-final-quote-form button:hover{
  background:#b91c1c;
}

.loya-final-quote-note{
  margin-top:14px!important;
  font-size:13px!important;
  line-height:1.45!important;
  color:rgba(255,255,255,.78)!important;
}

.loya-editorial{
  margin:34px 0;
  padding:18px 20px;
  border-radius:20px;
  background:#f8fafc;
  border:1px solid #e2e8f0;
  color:#475569;
  font-size:15px;
  line-height:1.65;
}

@media(max-width:980px){
  .loya-author-top,
  .loya-hero-grid,
  .loya-stat-row,
  .loya-grid-2,
  .loya-grid-3,
  .loya-image-band,
  .loya-steps{
    grid-template-columns:1fr;
  }

  .loya-author-date{
    text-align:left;
    white-space:normal;
  }

  .loya-stat{
    border-right:0;
    border-bottom:1px solid #e5e7eb;
  }

  .loya-stat:last-child{
    border-bottom:0;
  }
}

@media(max-width:700px){
  .loya-near-page{
    padding:0 18px 44px;
    font-size:16px;
  }

  .loya-near-page h2{
    font-size:28px;
  }

  .loya-hero-copy{
    padding:24px;
  }

  .loya-hero-copy h2{
    font-size:31px;
  }

  .loya-near-me-grid{
    grid-template-columns:1fr;
    gap:16px;
  }

  .loya-near-me-card-title{
    font-size:19px;
  }

  .loya-near-me-card-content p,
  .loya-near-me-list li{
    font-size:15px;
  }

  .loya-final-quote-cta{
    width:100%;
    max-width:100%;
    margin:34px auto 22px;
    padding:28px 18px;
    border-radius:22px;
  }

  .loya-final-quote-cta h2{
    font-size:26px;
  }

  .loya-final-quote-cta p{
    font-size:15px;
  }

  .loya-final-quote-form{
    flex-direction:column;
    width:100%;
    max-width:100%;
  }

  .loya-final-quote-form input,
  .loya-final-quote-form button{
    width:100%;
  }
}

/* =============================================================
https://loyainsurance.org/loya-insurance-online-services/
=========================================================== */
.author-card{
        box-sizing:border-box;
        font-size:12px !important;
        line-height:1.55 !important;
        color:#000;
      }
      .author-card *{box-sizing:border-box;}
      .author-card, .author-card p, .author-card div, .author-card span,
      .author-card summary, .author-card details{
        font-size:12px !important;
        line-height:1.55 !important;
      }
      .author-card details .author-bio{display:none; margin-top:8px; color:#333;}
      .author-card details[open] .author-bio{display:block;}
      .author-card summary{
        cursor:pointer;
        font-weight:600;
        display:flex;
        align-items:center;
        gap:8px;
        width:100%;
      }
      .author-card summary::-webkit-details-marker{display:none;}
      .author-card summary::marker{content:"";}
      .author-card .caret{
        margin-left:auto;
        min-width:16px;
        text-align:right;
        display:inline-block;
        transition:transform .2s ease;
      }
      .author-card details[open] .caret{transform:rotate(180deg);}
      .author-date{
        font-size:11px !important;
        color:#777;
        font-style:italic;
        margin:0 0 10px;
        line-height:1.3;
        text-align:right;
      }
      .author-review{
        color:#666;
        font-size:11px !important;
      }

      .loya-info-cards,
      .loya-info-cards-two,
      .loya-proof-box{
        display:grid;
        gap:18px;
        margin:30px 0;
      }

      .loya-info-cards{
        grid-template-columns:repeat(3, minmax(0, 1fr));
      }

      .loya-info-cards-two,
      .loya-proof-box{
        grid-template-columns:repeat(2, minmax(0, 1fr));
      }

      .loya-info-card,
      .loya-proof-col{
        border-radius:16px;
        padding:24px 20px 8px;
        box-shadow:0 4px 14px rgba(0,0,0,0.05);
        border:1px solid rgba(0,0,0,0.06);
        height:100%;
        box-sizing:border-box;
      }

      .loya-card-icon{
        font-size:34px;
        line-height:1;
        margin-bottom:14px;
      }

      .loya-card-title{
        margin:0 0 14px;
        font-size:22px;
        color:#111827;
        font-weight:700;
        line-height:1.3;
      }

      .loya-info-card p,
      .loya-proof-col p{
        margin:0 0 14px;
        line-height:1.7;
        color:#374151;
        font-size:15px;
      }

      .loya-info-card ul,
      .loya-proof-col ul{
        margin:0 0 14px;
        padding-left:20px;
        color:#374151;
      }

      .loya-info-card li,
      .loya-proof-col li{
        margin-bottom:8px;
        line-height:1.6;
      }

      .loya-card-online,
      .loya-proof-main{
        background:#eef6ff;
      }

      .loya-card-benefits{
        background:#eefbf3;
      }

      .loya-card-limitations,
      .loya-proof-note{
        background:#fff4ec;
      }

      @media(max-width:900px){
        .loya-info-cards,
        .loya-info-cards-two,
        .loya-proof-box{
          grid-template-columns:1fr;
        }

        .loya-info-card,
        .loya-proof-col{
          width:100%;
          max-width:100%;
          box-sizing:border-box;
        }
      }
      
      /* ========================================================
      https://loyainsurance.org/loya-insurance-customer-service/
      =========================================================== */
      .author-card{
        box-sizing:border-box;
        font-size:12px !important;
        line-height:1.55 !important;
        color:#000;
      }
      .author-card *{box-sizing:border-box;}
      .author-card, .author-card p, .author-card div, .author-card span,
      .author-card summary, .author-card details{
        font-size:12px !important;
        line-height:1.55 !important;
      }
      .author-card details .author-bio{display:none; margin-top:8px; color:#333;}
      .author-card details[open] .author-bio{display:block;}
      .author-card summary{
        cursor:pointer;
        font-weight:600;
        display:flex;
        align-items:center;
        gap:8px;
        width:100%;
      }
      .author-card summary::-webkit-details-marker{display:none;}
      .author-card summary::marker{content:"";}
      .author-card .caret{
        margin-left:auto;
        min-width:16px;
        text-align:right;
        display:inline-block;
        transition:transform .2s ease;
      }
      .author-card details[open] .caret{transform:rotate(180deg);}
      .author-date{
        font-size:11px !important;
        color:#777;
        font-style:italic;
        margin:0 0 10px;
        line-height:1.3;
        text-align:right;
      }
      .author-review{
        color:#666;
        font-size:11px !important;
      }

      .loya-near-me-cards{
        max-width:1100px;
        margin:30px auto;
        padding:0;
        box-sizing:border-box;
      }

      .loya-near-me-grid{
        display:grid;
        grid-template-columns:repeat(auto-fit, minmax(240px, 1fr));
        gap:20px;
      }

      .loya-near-me-card{
        background:#ffffff;
        border-radius:22px;
        box-shadow:0 10px 24px rgba(15,23,42,.08);
        border:1px solid #eef2f7;
        overflow:hidden;
        box-sizing:border-box;
      }

      .loya-near-me-card-header{
        padding:20px 20px 12px;
        border-bottom:2px solid #eef2ff;
      }

      .loya-near-me-icon{
        font-size:32px;
        line-height:1;
        margin-bottom:10px;
      }

      .loya-near-me-card-title{
        font-size:21px;
        font-weight:800;
        letter-spacing:-.01em;
        color:#0f172a;
        line-height:1.2;
      }

      .loya-near-me-card-content{
        padding:18px 20px 22px;
      }

      .loya-near-me-card-content p{
        font-size:16px;
        line-height:1.6;
        color:#374151;
        margin:0 0 12px;
      }

      .loya-near-me-list{
        margin:12px 0 0;
        padding:0;
        list-style:none;
      }

      .loya-near-me-list li{
        display:flex;
        align-items:flex-start;
        gap:9px;
        margin-bottom:10px;
        font-size:15px;
        line-height:1.45;
        color:#1f2937;
      }

      .loya-near-me-list li::before{
        content:"✓";
        font-weight:900;
        background:#15803d;
        color:#fff;
        display:inline-flex;
        align-items:center;
        justify-content:center;
        width:20px;
        height:20px;
        min-width:20px;
        border-radius:999px;
        font-size:12px;
        margin-top:1px;
      }

      .loya-near-me-list.warning-list li::before{
        content:"✗";
        background:#dc2626;
      }

      .loya-near-me-highlight{
        font-weight:700;
        color:#166534;
        background:#ecfdf3;
        display:inline-block;
        padding:3px 7px;
        border-radius:8px;
      }

      .loya-near-me-tip{
        background:#fff7ed;
        color:#9a3412;
        font-size:14px;
        font-weight:800;
        padding:6px 10px;
        border-radius:999px;
        display:inline-block;
        margin-top:10px;
      }

      .loya-near-me-note{
        margin-top:26px;
        text-align:center;
        font-size:14px;
        color:#64748b;
        border-top:1px solid #eef2f7;
        padding-top:18px;
      }

      @media(max-width:700px){
        .loya-near-me-cards{
          width:100%;
          max-width:100%;
          overflow:hidden;
        }

        .loya-near-me-grid{
          grid-template-columns:1fr;
          gap:16px;
        }

        .loya-near-me-card{
          width:100%;
          max-width:100%;
        }

        .loya-near-me-card-title{
          font-size:19px;
        }

        .loya-near-me-card-content p,
        .loya-near-me-list li{
          font-size:15px;
        }
      }
      
      /* ========================================================
      https://loyainsurance.org/form/
      =================================== */
      body.page-slug-form .wp-block-post-title{
  display:none !important;
}

.loya-form-wrap,
.loya-form-wrap *{
  box-sizing:border-box;
}

.loya-form-wrap{
  width:100%;
  max-width:1120px;
  margin:34px auto 70px;
  padding:0 18px;
  font-family:Arial, sans-serif;
}

.loya-form-hero{
  background:linear-gradient(135deg,#0d2346 0%,#183f78 52%,#e51b23 100%);
  border-radius:26px;
  padding:48px 34px;
  color:#fff;
  box-shadow:0 18px 45px rgba(13,35,70,.18);
  overflow:hidden;
}

.loya-form-label{
  display:inline-block;
  background:rgba(255,255,255,.16);
  border:1px solid rgba(255,255,255,.26);
  padding:7px 13px;
  border-radius:999px;
  font-size:13px;
  font-weight:800;
  letter-spacing:.06em;
  text-transform:uppercase;
  margin-bottom:16px;
}

.loya-form-hero h1{
  max-width:820px;
  font-size:46px;
  line-height:1.08;
  margin:0 0 16px;
  color:#fff;
}

.loya-form-intro{
  max-width:780px;
  font-size:18px;
  line-height:1.65;
  margin:0 0 26px;
  color:#f7f9ff;
}

.loya-quote-box{
  background:#fff;
  color:#111;
  border-radius:20px;
  padding:25px;
  max-width:700px;
  box-shadow:0 16px 38px rgba(0,0,0,.18);
}

.loya-quote-box h2{
  font-size:25px;
  line-height:1.2;
  margin:0 0 10px;
  color:#10284f;
}

.loya-quote-box p{
  color:#444;
  font-size:15.5px;
  line-height:1.55;
  margin:0 0 18px;
}

.loya-quote-form{
  display:flex;
  gap:12px;
  flex-wrap:wrap;
  margin:0;
}

.loya-quote-form input,
.loya-quote-form select{
  padding:16px 16px;
  border:1px solid #cfd7e6;
  border-radius:13px;
  font-size:17px;
  outline:none;
  background:#fff;
}

.loya-quote-form input{
  flex:1;
  min-width:220px;
}

.loya-quote-form select{
  width:120px;
}

.loya-quote-form input:focus,
.loya-quote-form select:focus{
  border-color:#e51b23;
  box-shadow:0 0 0 3px rgba(229,27,35,.12);
}

.loya-quote-form button{
  padding:16px 26px;
  background:#e51b23;
  color:#fff;
  border:0;
  border-radius:13px;
  font-size:16px;
  font-weight:900;
  cursor:pointer;
  box-shadow:0 8px 18px rgba(229,27,35,.28);
}

.loya-quote-form button:hover{
  background:#c9141b;
}

.loya-trust-row{
  display:flex;
  flex-wrap:wrap;
  gap:10px;
  margin-top:16px;
}

.loya-trust-pill{
  background:#f3f6fb;
  color:#334155;
  border-radius:999px;
  padding:8px 12px;
  font-size:13px;
  font-weight:700;
}

.loya-form-grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:18px;
  margin-top:28px;
}

.loya-form-card{
  background:#fff;
  border:1px solid #e5e9f2;
  border-radius:18px;
  padding:22px;
  box-shadow:0 8px 24px rgba(0,0,0,.05);
}

.loya-form-card h3{
  margin:0 0 10px;
  font-size:19px;
  color:#10284f;
}

.loya-form-card p{
  margin:0;
  color:#444;
  font-size:15px;
  line-height:1.6;
}

.loya-form-fineprint{
  max-width:780px;
  margin:18px auto 0;
  color:#667085;
  font-size:12.5px;
  line-height:1.55;
  text-align:center;
}

@media(max-width:800px){
  .loya-form-wrap{
    margin:22px auto 48px;
    padding:0 14px;
  }

  .loya-form-hero{
    padding:34px 20px;
    border-radius:20px;
  }

  .loya-form-hero h1{
    font-size:34px;
  }

  .loya-form-intro{
    font-size:16px;
  }

  .loya-quote-box{
    padding:20px;
  }

  .loya-quote-form{
    display:block;
  }

  .loya-quote-form input,
  .loya-quote-form select,
  .loya-quote-form button{
    width:100%;
    margin-bottom:12px;
  }

  .loya-form-grid{
    grid-template-columns:1fr;
  }
}

/* =============================================================
https://loyainsurance.org/loya-insurance-claims-phone-number/
============================================================== */
.loya-claims-page {
    max-width: 980px;
    margin: 0 auto;
    padding: 20px 18px 50px;
    font-family: inherit;
    color: #1f2933;
    line-height: 1.65;
  }

  .loya-claims-page * {
    box-sizing: border-box;
  }

  .loya-claims-hero {
    background: linear-gradient(135deg, #fff4ec 0%, #ffffff 55%, #f7f9fc 100%);
    border: 1px solid #f3d7c5;
    border-radius: 22px;
    padding: 32px;
    margin: 0 0 24px;
    box-shadow: 0 14px 34px rgba(20, 32, 50, 0.08);
  }

  .loya-claims-kicker {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: #fff;
    color: #d35400;
    border: 1px solid #ffd7bd;
    border-radius: 999px;
    padding: 7px 13px;
    font-size: 13px;
    font-weight: 700;
    margin-bottom: 14px;
  }

  .loya-claims-hero h2 {
    font-size: clamp(28px, 4vw, 42px);
    line-height: 1.15;
    margin: 0 0 14px;
    color: #111827;
  }

  .loya-claims-hero p {
    font-size: 17px;
    margin: 0 0 14px;
  }

  .loya-phone-box {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    justify-content: space-between;
    gap: 18px;
    margin-top: 22px;
    padding: 20px;
    background: #111827;
    color: #fff;
    border-radius: 18px;
  }

  .loya-phone-box span {
    display: block;
    font-size: 13px;
    opacity: 0.82;
    margin-bottom: 4px;
  }

  .loya-phone-box strong {
    font-size: 28px;
    letter-spacing: -0.03em;
  }

  .loya-phone-box a {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    background: #ff6600;
    color: #fff;
    text-decoration: none;
    font-weight: 800;
    border-radius: 999px;
    padding: 12px 18px;
    box-shadow: 0 8px 18px rgba(255, 102, 0, 0.28);
  }

  .loya-card {
    background: #fff;
    border: 1px solid #e8edf3;
    border-radius: 20px;
    padding: 26px;
    margin: 22px 0;
    box-shadow: 0 10px 26px rgba(20, 32, 50, 0.06);
  }

  .loya-card h2 {
    font-size: 27px;
    line-height: 1.25;
    margin: 0 0 16px;
    color: #111827;
  }

  .loya-card h3 {
    font-size: 20px;
    margin: 22px 0 10px;
    color: #111827;
  }

  .loya-card p {
    margin: 0 0 14px;
  }

  .loya-card a {
    color: #d35400;
    font-weight: 700;
    text-decoration: underline;
    text-underline-offset: 3px;
  }

  .loya-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 14px;
    margin: 18px 0 4px;
  }

  .loya-mini-card {
    background: #f8fafc;
    border: 1px solid #e8edf3;
    border-radius: 16px;
    padding: 18px;
  }

  .loya-mini-card strong {
    display: block;
    color: #111827;
    margin-bottom: 6px;
  }

  .loya-mini-card span {
    color: #52606d;
    font-size: 15px;
  }

  .loya-highlight-card {
    background: #fff8f3;
    border: 1px solid #ffd8bd;
    border-left: 5px solid #ff6600;
    border-radius: 18px;
    padding: 20px;
    margin: 18px 0;
  }

  .loya-highlight-card p:last-child {
    margin-bottom: 0;
  }

  .loya-table-wrap {
    overflow-x: auto;
    margin: 18px 0;
    border: 1px solid #e8edf3;
    border-radius: 18px;
    box-shadow: 0 8px 22px rgba(20, 32, 50, 0.05);
  }

  .loya-table {
    width: 100%;
    border-collapse: collapse;
    min-width: 680px;
    background: #fff;
  }

  .loya-table th {
    background: #111827;
    color: #fff;
    text-align: left;
    padding: 14px 16px;
    font-size: 14px;
  }

  .loya-table td {
    padding: 14px 16px;
    border-bottom: 1px solid #edf1f5;
    vertical-align: top;
  }

  .loya-table tr:last-child td {
    border-bottom: none;
  }

  .loya-table td strong {
    color: #111827;
  }

  .loya-list {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 10px;
    padding: 0;
    margin: 16px 0 4px;
    list-style: none;
  }

  .loya-list li {
    position: relative;
    background: #f8fafc;
    border: 1px solid #e8edf3;
    border-radius: 14px;
    padding: 12px 14px 12px 38px;
  }

  .loya-list li::before {
    content: "✓";
    position: absolute;
    left: 14px;
    top: 12px;
    color: #ff6600;
    font-weight: 900;
  }

  .loya-quote-box {
    background: #f8fafc;
    border: 1px solid #e8edf3;
    border-radius: 16px;
    padding: 18px;
    margin: 14px 0;
    font-size: 18px;
    font-weight: 700;
    color: #111827;
  }

  .loya-address-box {
    background: #111827;
    color: #fff;
    border-radius: 18px;
    padding: 24px;
    margin: 16px 0;
  }

  .loya-address-box strong {
    display: block;
    font-size: 18px;
    margin-bottom: 4px;
  }

  .loya-faq details {
    background: #fff;
    border: 1px solid #e8edf3;
    border-radius: 16px;
    padding: 0;
    margin: 12px 0;
    overflow: hidden;
  }

  .loya-faq summary {
    cursor: pointer;
    padding: 17px 18px;
    font-weight: 800;
    color: #111827;
    background: #f8fafc;
  }

  .loya-faq details p {
    padding: 0 18px 18px;
    margin: 0;
  }

  .loya-final-card {
    background: linear-gradient(135deg, #111827 0%, #263445 100%);
    color: #fff;
    border-radius: 22px;
    padding: 30px;
    margin-top: 24px;
    box-shadow: 0 14px 34px rgba(20, 32, 50, 0.12);
  }

  .loya-final-card h2 {
    color: #fff;
    margin: 0 0 14px;
  }

  .loya-final-card a {
    color: #ffb27b;
    font-weight: 800;
  }

  .loya-editorial-author-wrap {
    max-width: 980px;
    margin: 0 auto 24px;
    padding: 0;
    box-sizing: border-box;
  }

  .loya-editorial-author-card {
    display: flex;
    flex-wrap: wrap;
    align-items: flex-start;
    justify-content: space-between;
    gap: 16px;
    background: linear-gradient(180deg, #fbfdff 0%, #f7fafc 100%);
    border: 1px solid #e7edf5;
    border-radius: 18px;
    padding: 18px 20px;
    box-shadow: 0 10px 26px rgba(15, 23, 42, 0.06);
    color: #111827;
    font-size: 14px;
    line-height: 1.55;
  }

  .loya-editorial-author-main {
    display: flex;
    align-items: flex-start;
    gap: 13px;
    min-width: 0;
    flex: 1 1 560px;
  }

  .loya-editorial-author-icon {
    width: 46px;
    height: 46px;
    min-width: 46px;
    border-radius: 999px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: linear-gradient(135deg, #13213f 0%, #22325a 100%);
    color: #ffffff;
    box-shadow: 0 7px 18px rgba(19, 33, 63, 0.18);
  }

  .loya-editorial-author-content {
    min-width: 0;
  }

  .loya-editorial-author-byline {
    margin: 0 0 3px;
    color: #0f172a;
    font-size: 15px;
    line-height: 1.4;
  }

  .loya-editorial-author-byline span {
    font-weight: 700;
    color: #334155;
  }

  .loya-editorial-author-byline strong {
    font-weight: 800;
    color: #0f172a;
  }

  .loya-editorial-author-role {
    margin: 0;
    color: #64748b;
    font-size: 13px;
  }

  .loya-editorial-author-dates {
    flex: 0 1 250px;
    text-align: right;
    color: #64748b;
    font-size: 12px;
    font-style: italic;
    line-height: 1.55;
  }

  .loya-editorial-author-details {
    flex: 1 1 100%;
    margin-top: 4px;
    border-top: 1px solid #e7edf5;
    padding-top: 12px;
  }

  .loya-editorial-author-details summary {
    cursor: pointer;
    color: #0a7a78;
    font-weight: 800;
    font-size: 13px;
    margin-bottom: 10px;
  }

  .loya-editorial-author-bio {
    color: #334155;
    font-size: 13px;
  }

  .loya-editorial-author-bio p {
    margin: 0 0 10px;
  }

  .loya-editorial-author-tags {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    margin: 0 0 12px;
    padding: 0;
    list-style: none;
  }

  .loya-editorial-author-tags li {
    margin: 0;
    padding: 5px 10px;
    border-radius: 999px;
    background: #eef6ff;
    color: #284b7a;
    border: 1px solid #dbeafe;
    font-size: 11px;
    font-weight: 700;
  }

  .loya-editorial-author-note {
    color: #6b7280;
    font-size: 12px;
  }

  @media (max-width: 760px) {
    .loya-editorial-author-card {
      padding: 15px;
      border-radius: 15px;
    }

    .loya-editorial-author-main {
      gap: 10px;
    }

    .loya-editorial-author-icon {
      width: 38px;
      height: 38px;
      min-width: 38px;
    }

    .loya-editorial-author-dates {
      text-align: left;
      flex-basis: 100%;
    }

    .loya-claims-page {
      padding: 14px 12px 38px;
    }

    .loya-claims-hero,
    .loya-card,
    .loya-final-card {
      padding: 22px;
      border-radius: 18px;
    }

    .loya-grid,
    .loya-list {
      grid-template-columns: 1fr;
    }

    .loya-phone-box {
      align-items: flex-start;
    }

    .loya-phone-box strong {
      font-size: 24px;
    }
  }