.emp-hero{background:var(--paper);text-align:center;padding-bottom:clamp(2.4rem,5vw,3.4rem)}.emp-hero:before{background:radial-gradient(ellipse 55% 60% at 50% -10%,rgba(47,137,151,.13),transparent 70%)}.emp-hero-inner{max-width:720px;margin-inline:auto}.emp-hero .eyebrow{color:var(--teal-deep)}.emp-hero-title{font-size:clamp(2.4rem,5.3vw,3.7rem);letter-spacing:-.03em;line-height:1.05;margin-bottom:1rem}.emp-hero-deck{font-size:1.16rem;color:var(--ink-soft);line-height:1.6;max-width:60ch;margin-inline:auto;margin-bottom:1.9rem}.emp-situation{background:var(--page)}.emp-situation-inner{max-width:680px;margin-inline:auto}.emp-situation-inner .head{margin-bottom:.9rem}.emp-situation-lead{color:var(--ink-soft);font-size:1.1rem;line-height:1.6}.emp-moments{list-style:none;margin:1.6rem 0;display:flex;flex-direction:column;gap:.9rem}.emp-moments li{position:relative;padding:.9rem 1.1rem .9rem 2.4rem;background:var(--paper);border-radius:var(--radius);border-left:3px solid var(--teal);color:var(--ink);line-height:1.5;font-size:1.05rem}.emp-moments li:before{content:"";position:absolute;left:1.05rem;top:1.35rem;width:.5rem;height:.5rem;border-radius:50%;background:var(--teal)}.emp-situation-turn{color:var(--ink);font-size:1.14rem;line-height:1.65;font-family:var(--font-serif);font-style:italic;max-width:60ch;margin-top:1.4rem}.emp-give{background:var(--paper)}.emp-give-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1.3rem;margin-top:2.4rem}.emp-give-card:before{background:var(--teal)}.emp-ic{color:var(--teal-deep);display:inline-flex;margin-bottom:.7rem}.emp-give-card h3{font-size:1.2rem;letter-spacing:-.01em;margin-bottom:.5rem;line-height:1.2}.emp-give-card p{color:var(--ink-soft);line-height:1.6;font-size:.98rem}.emp-math{background:var(--page)}.emp-math-inner{max-width:760px;margin-inline:auto}.emp-costviz{background:var(--paper);border-radius:var(--radius-lg);box-shadow:var(--sh-card);padding:clamp(1.4rem,3.5vw,2.1rem);margin-top:2.4rem;max-width:640px;margin-inline:auto}.emp-bar-row{margin-bottom:1.4rem}.emp-bar-row:last-of-type{margin-bottom:0}.emp-bar-label{font-weight:700;font-size:.92rem;color:var(--ink);margin-bottom:.5rem}.emp-bar-track{display:flex;gap:5px}.emp-bar{height:42px;border-radius:6px;display:flex;align-items:center;padding:0 .8rem;font-size:.8rem;font-weight:600;white-space:nowrap;overflow:hidden}.emp-bar-insurance{width:100%;background:var(--stone);color:var(--paper)}.emp-bar-pdh{width:26%;min-width:84px;background:var(--teal-deep);color:var(--paper)}.emp-bar-cat{width:34%;min-width:96px;background:#2f899738;color:var(--teal-deep)}.emp-bar-sub{font-size:.86rem;color:var(--stone);margin-top:.5rem}.emp-costviz-cap{font-size:.8rem;color:var(--stone);font-style:italic;margin-top:1.2rem;line-height:1.5}.emp-costviz-foot{font-size:.78rem;color:var(--stone);margin-top:.5rem;line-height:1.5}.emp-stats{display:grid;grid-template-columns:1fr 1fr;gap:1.2rem;margin-top:1.8rem}.emp-stat{background:var(--paper);border-radius:var(--radius-lg);padding:1.4rem 1.5rem;border-top:4px solid var(--teal)}.emp-stat-num{font-size:clamp(2rem,4.4vw,2.7rem);font-weight:800;color:var(--teal-deep);letter-spacing:-.02em;line-height:1}.emp-stat-label{color:var(--ink-soft);font-size:.96rem;line-height:1.5;margin-top:.6rem}.emp-stat-src{font-size:.78rem;color:var(--stone);margin-top:.6rem}.emp-math-note{color:var(--ink-soft);line-height:1.7;font-size:1.02rem;max-width:64ch;margin:1.8rem auto 0;text-align:center}.emp-split{background:var(--paper)}.emp-split-grid{display:grid;grid-template-columns:1fr 1fr;gap:1.4rem;margin-top:2.4rem;align-items:start}.emp-col{background:var(--page)}.emp-col-covered:before{background:var(--teal)}.emp-col-keep:before{background:var(--stone)}.emp-col h3{font-size:1.16rem;letter-spacing:-.01em;margin-bottom:1.1rem;line-height:1.25}.emp-col-covered h3{color:var(--teal-deep)}.emp-col-keep h3{color:var(--stone)}.emp-list{list-style:none;display:flex;flex-direction:column;gap:.8rem}.emp-list li{position:relative;padding-left:1.7rem;color:var(--ink-soft);line-height:1.5;font-size:.98rem}.emp-list-yes li:before{content:"✓";position:absolute;left:0;top:0;color:var(--teal-deep);font-weight:800}.emp-list-keep li:before{content:"";position:absolute;left:.15rem;top:.5rem;width:.55rem;height:.55rem;border:2px solid var(--stone-soft);border-radius:50%}.emp-col-sub{font-size:.9rem;color:var(--stone);font-style:italic;margin:-.6rem 0 1rem}.emp-col-note{margin-top:1.2rem;padding-top:1.1rem;border-top:1px solid var(--rule);font-size:.9rem;color:var(--stone);line-height:1.55}.emp-col-note a{color:var(--stone);font-weight:700;white-space:nowrap}.emp-col-note a .arw{transition:transform .25s}.emp-col-note a:hover .arw{transform:translate(3px)}.emp-concierge{background:var(--linen)}.emp-concierge-inner{max-width:720px;margin-inline:auto}.emp-compare-wrap{margin-top:2rem;background:var(--page);border-radius:var(--radius-lg);box-shadow:var(--sh-card);overflow:hidden}.emp-compare{width:100%;border-collapse:collapse}.emp-compare th,.emp-compare td{padding:.95rem 1.1rem;text-align:left;font-size:.96rem;border-bottom:1px solid var(--rule-soft)}.emp-compare thead th{font-size:.82rem;letter-spacing:.04em;text-transform:uppercase;color:var(--stone);font-weight:700}.emp-compare tbody tr:last-child td{border-bottom:none}.emp-compare-rowlabel{font-weight:600;color:var(--ink);width:38%}.emp-compare td:not(.emp-compare-rowlabel),.emp-compare thead th:not(.emp-compare-cad):not(:first-child){color:var(--ink-soft)}.emp-compare .emp-compare-cad{background:#2f899712;color:var(--ink);font-weight:600}.emp-compare thead .emp-compare-cad{color:var(--teal-deep)}.emp-compare-foot{font-size:.78rem;color:var(--stone);margin-top:.8rem;line-height:1.5}.emp-local{background:linear-gradient(162deg,#1e6b77,#154e58);color:var(--paper)}.emp-local-inner{max-width:760px;margin-inline:auto}.emp-local-kicker{color:#a6dce3;display:inline-block;margin-bottom:.7rem}.emp-local-title{color:var(--paper);margin-bottom:1.4rem}.emp-local-points{list-style:none;display:flex;flex-direction:column;gap:1rem;margin-bottom:1.5rem}.emp-local-points li{position:relative;padding-left:1.9rem;color:#f4f0e8eb;line-height:1.6;font-size:1.05rem;max-width:64ch}.emp-local-points li:before{content:"";position:absolute;left:0;top:.15rem;width:1.05rem;height:1.05rem;border:2px solid #A6DCE3;border-radius:3px}.emp-local-points li:after{content:"✓";position:absolute;left:.22rem;top:.02rem;color:#a6dce3;font-weight:800;font-size:.85rem}.emp-local-open{color:#cfe9ed;font-family:var(--font-serif);font-style:italic;font-size:1.1rem;line-height:1.6;max-width:60ch}.emp-steps{background:var(--paper)}.emp-steps-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.3rem;margin-top:2.6rem}.emp-step:before{background:var(--teal)}.emp-step-num{font-family:var(--font-sans);font-weight:800;font-size:2.1rem;line-height:1;color:var(--linen-deep);letter-spacing:-.02em;margin-bottom:.5rem}.emp-step h3{font-size:1.2rem;letter-spacing:-.01em;margin-bottom:.55rem;line-height:1.2}.emp-step p{color:var(--ink-soft);line-height:1.6;font-size:.97rem}.emp-faq{background:var(--page)}.emp-faq-inner{max-width:800px}.emp-faq-list{border-top:1px solid var(--rule);margin-top:2rem}.emp-faq-item{border-bottom:1px solid var(--rule)}.emp-faq-item summary{list-style:none;cursor:pointer;display:flex;align-items:center;justify-content:space-between;gap:1.2rem;padding:1.25rem .2rem;font-weight:700;font-size:1.08rem;letter-spacing:-.01em;color:var(--ink)}.emp-faq-item summary::-webkit-details-marker{display:none}.emp-faq-item summary:hover .emp-faq-q{color:var(--teal-deep)}.emp-faq-q{transition:color .2s}.emp-faq-icon{position:relative;flex:none;width:1.05rem;height:1.05rem}.emp-faq-icon:before,.emp-faq-icon:after{content:"";position:absolute;background:var(--teal-deep);border-radius:2px;transition:transform .3s cubic-bezier(.2,.7,.3,1)}.emp-faq-icon:before{top:50%;left:0;right:0;height:2px;transform:translateY(-50%)}.emp-faq-icon:after{left:50%;top:0;bottom:0;width:2px;transform:translate(-50%)}.emp-faq-item[open] .emp-faq-icon:after{transform:translate(-50%) scaleY(0)}.emp-faq-a{padding:0 .2rem 1.4rem}.emp-faq-a p{color:var(--ink-soft);line-height:1.65;max-width:74ch}.emp-form-sec{background:var(--linen);scroll-margin-top:80px}.emp-form-wrap{max-width:720px;margin-inline:auto}.emp-form-intro{text-align:center;margin-bottom:2rem}.emp-form-intro .sub{margin-inline:auto;max-width:62ch}.emp-form{background:var(--page);border-radius:var(--radius-lg);box-shadow:var(--sh-card);padding:clamp(1.6rem,4vw,2.4rem);display:flex;flex-direction:column;gap:1.1rem}.emp-row{display:grid;grid-template-columns:1fr 1fr;gap:1.1rem}.emp-field{display:flex;flex-direction:column;gap:.4rem}.emp-field>span{font-size:.82rem;font-weight:600;color:var(--ink)}.emp-field input,.emp-field select,.emp-field textarea{font:inherit;color:var(--ink);background:var(--paper);border:1px solid var(--rule);border-radius:var(--radius);padding:.7em .85em;width:100%;transition:border-color .2s,box-shadow .2s}.emp-field input:focus,.emp-field select:focus,.emp-field textarea:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 3px #2f899729}.emp-field textarea{resize:vertical;min-height:96px}.emp-submit{align-self:flex-start;margin-top:.3rem}.emp-reassure{font-size:.86rem;color:var(--stone)}.emp-confirm{background:var(--page);border-radius:0 0 var(--radius-lg) var(--radius-lg);border-top:3px solid var(--teal);box-shadow:var(--sh-card);padding:2rem;text-align:center}.emp-confirm h3{font-size:1.3rem;letter-spacing:-.01em;margin-bottom:.5rem}.emp-confirm p{color:var(--ink-soft);line-height:1.6;max-width:52ch;margin-inline:auto}.emp-confirm a{color:var(--teal-deep);font-weight:700}.emp-cta{background:var(--page);text-align:center}.emp-cta-inner{max-width:660px;margin-inline:auto}.emp-cta-title{font-size:clamp(1.9rem,4vw,2.6rem);letter-spacing:-.02em;margin-bottom:.9rem}.emp-cta-deck{color:var(--ink-soft);font-size:1.1rem;line-height:1.62;margin-bottom:1.8rem;max-width:58ch;margin-inline:auto}.emp-cta-actions{display:flex;flex-direction:column;align-items:center;gap:1rem}.emp-cta-mail{color:var(--teal-deep)}@media(max-width:860px){.emp-give-grid,.emp-steps-grid,.emp-split-grid,.emp-stats{grid-template-columns:1fr}}@media(max-width:560px){.emp-row{grid-template-columns:1fr}.emp-bar-pdh,.emp-bar-cat{min-width:0}.emp-compare th,.emp-compare td{padding:.65rem .55rem;font-size:.85rem}}