.ins-hero{background:var(--paper);text-align:center;padding-bottom:clamp(2.4rem,5vw,3.4rem)}.ins-hero:before{background:radial-gradient(ellipse 55% 60% at 50% -10%,rgba(100,109,92,.12),transparent 70%)}.ins-hero-inner{max-width:680px;margin-inline:auto}.ins-hero .eyebrow{color:var(--moss-deep)}.ins-hero-title{font-size:clamp(2.6rem,6vw,4rem);letter-spacing:-.03em;line-height:1.02;margin-bottom:1rem}.ins-hero-deck{font-size:1.18rem;color:var(--ink-soft);line-height:1.55;max-width:52ch;margin-inline:auto;margin-bottom:1.9rem}.ins-kicker{color:var(--moss-deep);display:inline-block;margin-bottom:.6rem}.ins-short{background:var(--paper)}.ins-short-inner{max-width:760px}.ins-short-body{margin-top:1.8rem}.ins-short-body p{color:var(--ink-soft);line-height:1.7;font-size:1.07rem;margin-bottom:1.1rem;max-width:64ch;margin-inline:auto}.ins-callout{position:relative;background:var(--page);border-radius:0 0 var(--radius-lg) var(--radius-lg);box-shadow:var(--sh-card);padding:1.8rem 1.9rem;margin-top:1.4rem;max-width:64ch;margin-inline:auto;overflow:hidden}.ins-callout:before{content:"";position:absolute;top:0;left:0;right:0;height:5px;background:var(--moss)}.ins-callout p{font-family:var(--font-serif);font-style:italic;font-size:1.22rem;line-height:1.5;color:var(--ink);margin:0}.ins-ways{background:var(--page)}.ins-ways-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.4rem;margin-top:2.6rem;align-items:start}.ins-way:before{background:var(--agave)}.ins-way.is-rec:before{background:var(--moss);height:6px}.ins-way.is-rec{box-shadow:var(--sh-float)}.ins-way-tag{display:inline-block;font-size:.7rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--stone);margin-bottom:.9rem}.ins-way.is-rec .ins-way-tag{color:var(--moss-deep)}.ins-way h3{font-size:1.28rem;letter-spacing:-.01em;margin-bottom:.7rem;line-height:1.2}.ins-way p{color:var(--ink-soft);line-height:1.6;font-size:.98rem}.ins-way-best{margin-top:1rem;font-size:.95rem}.ins-way-best strong{color:var(--ink);font-weight:600}.ins-between{background:var(--paper)}.ins-between-inner{max-width:780px}.ins-between-card{position:relative;background:var(--page)}.ins-between-card:before{background:var(--moss)}.ins-between-card h2.head{margin-bottom:1rem}.ins-between-card p{color:var(--ink-soft);line-height:1.7;font-size:1.04rem;margin-bottom:1rem}.ins-between-card p:last-child{margin-bottom:0}.ins-hsa{background:linear-gradient(162deg,#5a624f,#41473a);color:var(--paper)}.ins-hsa-inner{max-width:720px;text-align:center;margin-inline:auto}.ins-hsa-kicker{color:var(--apricot-light);display:inline-block;margin-bottom:.7rem}.ins-hsa-title{color:var(--paper);margin-inline:auto;margin-bottom:1.3rem}.ins-hsa p{color:#f4f0e8e6;line-height:1.65;font-size:1.07rem;max-width:60ch;margin-inline:auto}.ins-caps{display:flex;flex-wrap:wrap;justify-content:center;gap:1.2rem;margin:1.8rem 0}.ins-cap{background:#f4f0e814;border:1px solid rgba(244,240,232,.16);border-radius:var(--radius);padding:1.1rem 1.6rem;min-width:200px}.ins-cap-num{display:block;font-size:2.4rem;font-weight:800;letter-spacing:-.02em;color:var(--apricot-light);line-height:1}.ins-cap-lbl{display:block;margin-top:.45rem;font-size:.82rem;letter-spacing:.06em;text-transform:uppercase;color:#f4f0e8c7}.ins-hsa-kick{margin-top:1.4rem;font-weight:500;color:var(--paper)!important}.ins-faq{background:var(--paper)}.ins-faq-inner{max-width:780px}.ins-faq-list{border-top:1px solid var(--rule);margin-top:2rem}.ins-faq-item{border-bottom:1px solid var(--rule)}.ins-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)}.ins-faq-item summary::-webkit-details-marker{display:none}.ins-faq-item summary:hover .ins-faq-q{color:var(--moss-deep)}.ins-faq-q{transition:color .2s}.ins-faq-icon{position:relative;flex:none;width:1.05rem;height:1.05rem}.ins-faq-icon:before,.ins-faq-icon:after{content:"";position:absolute;background:var(--moss-deep);border-radius:2px;transition:transform .3s cubic-bezier(.2,.7,.3,1)}.ins-faq-icon:before{top:50%;left:0;right:0;height:2px;transform:translateY(-50%)}.ins-faq-icon:after{left:50%;top:0;bottom:0;width:2px;transform:translate(-50%)}.ins-faq-item[open] .ins-faq-icon:after{transform:translate(-50%) scaleY(0)}.ins-faq-a{padding:0 .2rem 1.4rem}.ins-faq-a p{color:var(--ink-soft);line-height:1.65;max-width:68ch}.ins-faq-link{color:var(--moss-deep);margin-top:.8rem;font-size:.97rem}.ins-cta{background:var(--page);text-align:center}.ins-cta-inner{max-width:600px;margin-inline:auto}.ins-cta-title{font-size:clamp(1.9rem,4vw,2.6rem);letter-spacing:-.02em;margin-bottom:.9rem}.ins-cta-deck{color:var(--ink-soft);font-size:1.1rem;line-height:1.55;margin-bottom:1.8rem;max-width:50ch;margin-inline:auto}@media(max-width:860px){.ins-ways-grid{grid-template-columns:1fr;max-width:480px;margin-inline:auto}}