.oin-nav{display:flex;gap:5px;align-items:center;flex-wrap:wrap;font:13px Arial,sans-serif;color:#faf9f4}.oin-nav details{position:relative}.oin-nav summary,.oin-nav>a{display:block;padding:12px 14px;border-radius:24px;cursor:pointer;background:linear-gradient(155deg,#292a2c,#101113);border:1px solid #ffffff25;box-shadow:inset 0 1px 0 #ffffff15,0 4px 14px #0005;list-style:none}.oin-nav summary::-webkit-details-marker{display:none}.oin-nav summary:after{content:'+';margin-left:10px;color:#e6cb84}.oin-nav details[open] summary:after{content:'−'}.oin-nav details>div{position:absolute;top:48px;left:0;min-width:225px;border:1px solid #e6cb8440;border-radius:18px;background:#111214;padding:9px;box-shadow:0 18px 40px #000b;z-index:100}.oin-nav details a{display:block;padding:13px 12px;border-radius:10px;color:#f7f7f7;text-decoration:none}.oin-nav details a:hover,.oin-nav details a:focus{background:#ffffff12;color:#f6d777}a:focus-visible,summary:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible{outline:2px solid #f6d777;outline-offset:4px}.oin-companies{position:relative;z-index:2;max-width:1160px;margin:80px auto;padding:32px 24px}.oin-companies h2{font-size:clamp(28px,4vw,44px);font-weight:400}.oin-companies p{color:#bbb;line-height:1.6}.oin-logo-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:14px}.oin-logo{border-radius:16px;background:#f5f5f3;padding:20px 14px;min-height:105px;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:10px;text-align:center;color:#252525;border:1px solid #ffffff38}.oin-logo img{max-width:100%;width:145px;height:55px;object-fit:contain}.oin-logo span{font:12px Arial,sans-serif}.oin-logo.text-only strong{font:600 18px Arial,sans-serif}header{z-index:60!important} @media(max-width:1000px){header{flex-wrap:wrap!important;height:auto!important;gap:15px!important}.oin-nav{width:100%;justify-content:center}.oin-nav summary,.oin-nav>a{padding:10px;font-size:12px}.oin-logo-grid{grid-template-columns:repeat(3,1fr)}}@media(max-width:600px){.oin-nav{gap:6px}.oin-nav details{position:static}.oin-nav details>div{position:absolute;top:100%;left:12px;right:12px;max-height:60vh;overflow:auto}.oin-nav>a{font-size:11px;padding:8px}.oin-logo-grid{grid-template-columns:repeat(2,1fr)}header{position:relative!important;margin-bottom:20px!important}.oin-companies{margin:45px auto}}

@font-face{font-family:OINEditorial;src:url('/assets/editorial-serif.ttf')}body.quote-page{margin:0;background:#050506;color:#f7f6f2;font:16px Arial,sans-serif}*{box-sizing:border-box}.quote-page a{color:inherit;text-decoration:none}.quote-page header{max-width:1280px;margin:auto;padding:25px 24px;display:flex;justify-content:space-between;align-items:center;gap:24px;position:relative}.oin-brand{font-size:18px;font-weight:700;letter-spacing:2px;min-width:200px}.oin-brand small{display:block;font-size:10px;letter-spacing:2.3px;margin-top:6px}.quote-main{max-width:1050px;margin:55px auto;padding:0 24px 65px;display:grid;grid-template-columns:.85fr 1.15fr;gap:60px}.quote-main h1{font-family:OINEditorial,Georgia,serif;font-weight:400;font-size:clamp(38px,5vw,62px);line-height:1.1;margin:18px 0}.eyebrow{color:#e7c97d;font-size:11px;letter-spacing:3px;text-transform:uppercase}.quote-main p{line-height:1.65;color:#bdbdbd}.quote-main aside{padding-top:25px}.quote-main aside img{width:200px;height:200px;object-fit:cover;object-position:0 0;opacity:.9;border-radius:50%}.quote-card{background:linear-gradient(145deg,#1c1d20,#101113);border:1px solid #ffffff24;border-radius:25px;padding:30px;box-shadow:inset 0 1px 0 #ffffff15,0 22px 65px #0008}.quote-card h2{font-size:24px;font-weight:400;margin-top:0}.field{display:flex;flex-direction:column;gap:9px;margin:19px 0;font-size:13px;color:#eee}.field input,.field select{width:100%;min-height:47px;background:#090a0c;color:#fff;border:1px solid #ffffff30;border-radius:11px;padding:12px;font:16px Arial}.field small{color:#aaa}.quote-card button{border-radius:24px;border:1px solid #ffffff35;background:linear-gradient(145deg,#323438,#141517);color:#fff;padding:13px 20px;cursor:pointer;font-size:14px}.quote-card button[type=submit]{background:linear-gradient(120deg,#f8e7ae,#cba648,#f6d77e);color:#17130a;border-color:#f3dc9b;width:100%;font-weight:600;margin-top:22px}.quote-card button:disabled{opacity:.65;cursor:wait}.consent{display:flex;gap:10px;font-size:12px;line-height:1.6;color:#bbb;margin-top:23px}.consent input{width:18px;height:18px;flex-shrink:0}.fine{font-size:12px}.quote-status{line-height:1.6;margin-top:18px}.quote-footer{text-align:center;color:#999;font-size:12px;padding:30px}.quote-card .trap{display:none}.child-row{display:flex;align-items:center;gap:12px}.child-row .field{flex:1}@media(max-width:800px){.quote-main{grid-template-columns:1fr;gap:25px;margin-top:15px}.quote-main aside{padding-top:0}.quote-card{padding:23px}.quote-page header{flex-wrap:wrap}.quote-main h1{font-size:42px}}
@media(max-width:600px){body:not(.quote-page)>header{position:fixed!important;top:12px!important;left:4%!important;right:4%!important;width:92%!important;margin:0!important}.oin-nav{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:5px}.oin-nav summary,.oin-nav>a{text-align:center;font-size:10px;padding:10px 4px;white-space:nowrap}.oin-nav summary:after{margin-left:4px}.oin-nav>a{font-size:10px}.quote-page header{width:100%;left:auto;right:auto}.hero .headline{top:23%!important}.oin-nav details>div{white-space:normal}}
/* OIN visual continuity: smoked glass, restrained marks, warm depth. */
.oin-logo{background:linear-gradient(145deg,#ffffff0d,#ffffff03);border:1px solid #ffffff14;box-shadow:inset 0 1px 0 #ffffff09,0 12px 30px #0004;backdrop-filter:blur(18px);color:#aaa99f;transition:border-color .25s,background .25s}.oin-logo img{filter:grayscale(1);opacity:.48;mix-blend-mode:screen;transition:opacity .25s}.oin-logo:hover{border-color:#e6cb8445;background:#ffffff0b}.oin-logo:hover img{opacity:.85}.oin-logo span{color:#b4b1a6;font-size:11px;letter-spacing:.3px}.oin-companies h2{font-family:OINEditorial,Georgia,serif;color:#f6f3e9}.quote-page{background:radial-gradient(ellipse at 15% 35%,#c7a4510d,transparent 55%),#030303!important}.quote-page:before{content:'';position:fixed;inset:0;pointer-events:none;background-image:radial-gradient(circle,#d6c38c55 .6px,transparent 1px);background-size:97px 113px;opacity:.27;z-index:-1}.quote-card{background:linear-gradient(135deg,#ffffff0b,#ffffff03);border-color:#ffffff20;backdrop-filter:blur(24px)}.quote-main h1{color:#f5f2e9}.quote-card h2{font-family:OINEditorial,Georgia,serif;font-size:32px}.quote-art{display:block;width:220px;height:210px;margin:24px auto;filter:drop-shadow(0 12px 28px #b58a2420);opacity:.8}.quote-main aside .quote-art image{width:1774px;height:887px}.quote-card button:not([type=submit]){background:linear-gradient(135deg,#ffffff12,#ffffff04);box-shadow:inset 0 1px 0 #ffffff15,0 8px 24px #0004;border-color:#ffffff25}.quote-card .field input,.quote-card .field select{background:#05050680;border-color:#ffffff20}.quote-card button[type=submit]{box-shadow:inset 0 1px 0 #fff9,0 8px 30px #d0a64615}@media(prefers-reduced-motion:reduce){.oin-logo,.oin-logo img{transition:none}}@media(max-width:800px){.quote-art{width:145px;height:135px;margin:15px auto}.quote-main{gap:14px}}

.oin-logo img{filter:grayscale(1) invert(.72);mix-blend-mode:screen}

/* Original brand artwork rendered without a surrounding rectangular panel. */
.oin-brand-logo{width:90px;height:90px;object-fit:contain;mix-blend-mode:screen;vertical-align:middle}.brand .oin-brand-logo{width:90px;height:90px}.oin-brand{display:flex;align-items:center;gap:10px}.oin-brand small{font-size:9px}.oin-logo{background:transparent!important;border:0!important;box-shadow:none!important;backdrop-filter:none!important}.oin-logo:hover{background:transparent!important}.oin-logo img{filter:grayscale(1) invert(1)!important;mix-blend-mode:screen!important;opacity:.42}.oin-logo:hover img{opacity:.72}.oin-logo span{opacity:.65}.oin-footer-logo{display:block;width:130px;height:130px;object-fit:contain;mix-blend-mode:screen;margin:0 auto 18px}.oin-companies{border-top:1px solid #c7ac6530}.quote-page{isolation:isolate}.quote-page:before{z-index:-1}.quote-page .quote-footer{background:transparent}@media(max-width:600px){.brand .oin-brand-logo,.oin-brand-logo{width:65px;height:65px}header{gap:6px!important}}

/* Balanced partner constellation: centered final rows at every width. */
.oin-logo-grid{display:flex;flex-wrap:wrap;justify-content:center;gap:12px 18px;padding:26px 0;background:radial-gradient(ellipse at center,#c9b77b08,transparent 70%)}
a.oin-logo{flex:0 0 calc((100% - 72px)/5);min-width:0;min-height:102px;padding:20px 12px;text-decoration:none;border-radius:25px;transition:transform .25s}
.oin-logo img{filter:grayscale(1) invert(1) sepia(.28) saturate(.65)!important;opacity:.55!important;max-width:100%;object-fit:contain}
.oin-logo:hover img,.oin-logo:focus-visible img{opacity:.88!important}
.oin-logo:hover{transform:translateY(-3px)}
@media(max-width:1000px){a.oin-logo{flex-basis:calc((100% - 36px)/3)}}
@media(max-width:600px){.oin-logo-grid{gap:8px 12px}a.oin-logo{flex-basis:calc((100% - 12px)/2);min-height:88px;padding:16px 10px}}
@media(prefers-reduced-motion:reduce){a.oin-logo{transition:none}.oin-logo:hover{transform:none}}

/* Relevant carrier highlights: OIN glass surfaces and quiet champagne marks. */
.carrier-options{margin-top:38px;padding-top:26px;border-top:1px solid #ddc78f25}
.carrier-options h2{font:400 34px/1.15 OINEditorial,Georgia,serif;margin:12px 0;color:#f6f1e7}
.carrier-options .carrier-intro{font-size:13px;line-height:1.7;margin-bottom:19px}
.carrier-feature-list{display:grid;gap:17px;margin-top:25px}
.carrier-feature{position:relative;padding:25px;border:1px solid #ffffff16;border-radius:24px;background:linear-gradient(135deg,#ffffff09,#ffffff02);box-shadow:inset 0 1px 0 #ffffff08,0 15px 35px #0003}
.carrier-mark{display:flex;align-items:center;justify-content:flex-start;width:180px;max-width:100%;min-height:64px;mix-blend-mode:screen}
.quote-main aside .carrier-mark img{width:160px;height:60px;object-fit:contain;object-position:left center;border-radius:0;filter:grayscale(1) invert(1) sepia(.28) saturate(.65);mix-blend-mode:screen;opacity:.68;transition:opacity .2s}
.carrier-mark:hover img,.carrier-mark:focus-visible img{opacity:1}
.carrier-feature h3{font:400 22px/1.3 OINEditorial,Georgia,serif;color:#ead9ae;margin:18px 0 14px}
.carrier-feature ul{padding:0;list-style:none;margin:0 0 18px}
.carrier-feature li{position:relative;padding-left:14px;margin:12px 0;color:#c9c7c0;font-size:13px;line-height:1.7}
.carrier-feature li:before{content:'';position:absolute;width:4px;height:4px;border-radius:50%;left:0;top:9px;background:#c3a861}
.quote-page a.carrier-source{display:inline-block;color:#c9b77f;font-size:11px;line-height:1.6;border-bottom:1px solid #c9b77f35;padding-bottom:3px}
.quote-page a.quote-jump{display:inline-flex;align-items:center;justify-content:center;border:1px solid #ffffff24;background:linear-gradient(140deg,#ffffff10,#ffffff03);box-shadow:inset 0 1px 0 #ffffff13,0 6px 18px #0003;border-radius:30px;padding:12px 19px;color:#eee9dd;font-size:12px}
.carrier-options .carrier-note{font-size:10px;line-height:1.7;color:#a8a49a;margin:22px 0 0}
.quote-main{align-items:start}.quote-card{scroll-margin-top:30px}#coverage-form{scroll-margin-top:40px}
.visually-hidden{position:absolute;width:1px;height:1px;overflow:hidden;clip-path:inset(50%);white-space:nowrap}
@media(max-width:800px){.carrier-options{margin-top:24px;padding-top:20px}.carrier-options h2{font-size:29px}.carrier-feature{padding:21px}.carrier-feature-list{gap:12px}.quote-main aside .carrier-mark img{height:48px;width:145px}.carrier-mark{min-height:50px}}
@media(prefers-reduced-motion:reduce){.quote-main aside .carrier-mark img{transition:none}}
/* Clear guidance follows the same quiet glass treatment as the quote form. */
.quote-guidance{padding-bottom:28px;margin-bottom:28px;border-bottom:1px solid #ddc78f25}.quote-guidance h2{font-size:27px!important;margin:10px 0 20px}.quote-guidance h3{font:400 20px/1.35 OINEditorial,Georgia,serif;color:#ead9ae;margin:18px 0 10px}.quote-guidance summary{cursor:pointer;color:#e4dcc8;font-size:13px;line-height:1.6;padding:15px 0}.quote-guidance details{border-top:1px solid #ffffff16;border-bottom:1px solid #ffffff16}.quote-guidance ul{padding-left:18px}.quote-guidance li,.guidance-help p{color:#c9c7c0;font-size:13px;line-height:1.75;margin-bottom:12px}.quote-guidance a{line-height:1.6}.guidance-help{padding-top:7px}.quote-card select{width:100%}.quote-card [hidden]{display:none!important}.carrier-network{margin-top:30px;padding-top:24px;border-top:1px solid #ddc78f25}.carrier-network h3{font:400 26px/1.25 OINEditorial,Georgia,serif;color:#ede7d9}.carrier-network p{font-size:12px;line-height:1.75}.carrier-network-grid{display:flex;flex-wrap:wrap;justify-content:center;gap:18px 14px;margin:25px 0}.carrier-network-grid a{display:flex;justify-content:center;align-items:center;flex:0 0 calc(50% - 7px);min-height:66px;mix-blend-mode:screen}.quote-main aside .carrier-network-grid img{width:140px;max-width:100%;height:53px;object-fit:contain;border-radius:0;mix-blend-mode:screen;filter:grayscale(1) invert(1) sepia(.28) saturate(.65);opacity:.65}.carrier-network-grid a:hover img,.carrier-network-grid a:focus-visible img{opacity:1}.carrier-network a:focus-visible,.quote-guidance a:focus-visible,.quote-guidance summary:focus-visible{outline:2px solid #c9b77f;outline-offset:5px}.network-subhead{font-size:15px!important}.network-caption{font-size:11px!important;color:#ada99f!important}

/* Additional life/health network, using supplied brand artwork. */
.network-more{margin-top:32px;padding-top:28px;border-top:1px solid #d7c39122}
.network-more h2{font:400 29px/1.2 OINEditorial,Georgia,serif;margin:12px 0 16px;color:#f5f0e6}
.network-more>p{font-size:13px;line-height:1.75;color:#c4c1b9}
.network-more .network-eyebrow{font-size:10px;letter-spacing:2.3px;color:#b5a77e}
.network-expand{margin:22px 0;background:none;border:0}
.network-expand summary{cursor:pointer;font-size:12px;color:#d4c6a5;padding:10px 0;list-style-position:inside}
.network-logo-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px 8px;margin:16px 0;align-items:center}
.network-logo{display:flex;justify-content:center;align-items:center;min-width:0;min-height:74px;border-radius:18px;text-decoration:none;background:transparent;mix-blend-mode:screen}
.network-logo-sprite{display:block;flex-shrink:0;background-image:url('/assets/life-health-network-sheet.jpeg');background-repeat:no-repeat;filter:grayscale(1) invert(1) sepia(.25) saturate(.6);mix-blend-mode:screen;opacity:.64;transition:opacity .2s}
.network-logo:hover .network-logo-sprite,.network-logo:focus-visible .network-logo-sprite{opacity:1}
.network-logo:focus-visible{outline:1px solid #b7a270;outline-offset:3px}
.network-more .network-caption{font-size:10px;line-height:1.7;color:#a19e95}
.network-more .network-current{padding-top:14px;border-top:1px solid #ffffff10;font-size:12px}
@media(max-width:800px){.network-more{margin-top:25px}.network-more h2{font-size:27px}.network-logo-grid{gap:8px}.network-logo{min-height:65px}}
@media(prefers-reduced-motion:reduce){.network-logo-sprite{transition:none}}

.quote-main aside .network-logo-image{width:128px;height:52px;object-fit:contain;border-radius:0;filter:grayscale(1) invert(1) sepia(.25) saturate(.6);mix-blend-mode:screen;opacity:.64}.network-logo:hover .network-logo-image,.network-logo:focus-visible .network-logo-image{opacity:1}.carrier-feature>.network-logo{justify-content:flex-start;min-height:64px}
/* Blend each mark directly into the page, without a nested black surface. */
.network-logo,.carrier-mark,.carrier-network-grid a{mix-blend-mode:normal}