.svi{--navy:#13233f;--ink:#18243a;--coral:#d84f38;--paper:#fffaf1;--sand:#f3e5cf;--mist:#eef3f5;--line:#d7dde4;--white:#fff;color:var(--ink);background:#fff;font-family:inherit;overflow:hidden}.svi *{box-sizing:border-box}.svi-shell{width:min(1160px,calc(100% - 40px));margin-inline:auto}.svi a{text-underline-offset:3px}.svi a:focus-visible,.svi button:focus-visible,.svi input:focus-visible{outline:3px solid #f2b84b;outline-offset:3px}.svi-crumb{border-bottom:1px solid rgba(255,255,255,.18);background:var(--navy);color:#dce5f2;font-size:.9rem}.svi-crumb .svi-shell{padding-block:14px}.svi-crumb a{color:#fff}.svi-hero{position:relative;background:var(--navy);color:#fff;padding:72px 0 64px}.svi-hero:after{content:"";position:absolute;inset:auto -8% -140px auto;width:370px;height:370px;border:56px solid rgba(232,101,74,.13);border-radius:50%}.svi-hero__grid{position:relative;z-index:1;display:grid;grid-template-columns:minmax(0,1.35fr) minmax(280px,.65fr);gap:54px;align-items:center}.svi-kicker{display:block;margin:0 0 12px;color:#a93322;font-size:.82rem;font-weight:800;letter-spacing:.08em}.svi-hero .svi-kicker,.svi-section--navy .svi-kicker,.svi-final .svi-kicker{color:#ffb6aa}.svi h1{max-width:850px;margin:0;font-size:clamp(2.15rem,5vw,4.6rem);line-height:1.06;letter-spacing:-.035em}.svi-lead{max-width:780px;margin:24px 0 0;color:#e5ebf4;font-size:clamp(1.05rem,2vw,1.3rem);line-height:1.9}.svi-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:30px}.svi-btn{display:inline-flex;min-height:48px;align-items:center;justify-content:center;padding:12px 20px;border:2px solid transparent;border-radius:8px;font-weight:800;text-decoration:none;transition:transform .18s ease,background-color .18s ease}.svi-btn:hover{transform:translateY(-2px)}.svi-btn--coral{background:var(--coral);color:#fff}.svi-btn--line{border-color:#fff;color:#fff}.svi-btn--light{background:#fff;color:var(--navy)}.svi-badges{display:flex;flex-wrap:wrap;gap:8px;margin-top:26px}.svi-badges span{padding:7px 11px;border:1px solid rgba(255,255,255,.25);border-radius:999px;color:#eef4fb;font-size:.84rem}.svi-dossier{padding:28px;border:1px solid rgba(255,255,255,.22);border-radius:18px;background:rgba(255,255,255,.08);box-shadow:0 28px 80px rgba(0,0,0,.22);backdrop-filter:blur(7px)}.svi-dossier strong{display:block;margin-bottom:16px;font-size:1.08rem}.svi-dossier ol{margin:0;padding-right:22px;color:#e8edf5;line-height:2}.svi-facts{position:relative;z-index:2;background:#fff;border-bottom:1px solid var(--line)}.svi-grid5{display:grid;grid-template-columns:repeat(5,1fr)}.svi-grid5>div{padding:24px 18px;border-left:1px solid var(--line)}.svi-grid5>div:last-child{border-left:0}.svi-grid5 strong,.svi-grid5 span{display:block}.svi-grid5 strong{color:var(--navy);font-size:1.35rem}.svi-grid5 span{margin-top:5px;color:#596579;font-size:.86rem}.svi-section{padding:82px 0}.svi-section--paper{background:var(--paper)}.svi-section--sand{background:var(--sand)}.svi-section--mist{background:var(--mist)}.svi-section--navy{background:var(--navy);color:#fff}.svi-heading{max-width:790px;margin-bottom:35px}.svi-heading h2{margin:0;font-size:clamp(1.8rem,3.5vw,3rem);line-height:1.25;letter-spacing:-.025em}.svi-heading p{font-size:1.06rem;line-height:1.85}.svi-answer-grid,.svi-doc-grid,.svi-evidence,.svi-mistakes,.svi-after,.svi-faq__grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.svi-answer,.svi-doc-grid>article,.svi-evidence>article,.svi-mistakes>article,.svi-after>article{padding:25px;border:1px solid var(--line);border-radius:14px;background:#fff}.svi-answer--strong{border-top:5px solid var(--coral)}.svi h3{margin:0 0 10px;color:var(--navy);font-size:1.17rem}.svi p,.svi li{line-height:1.85}.svi-source-note,.svi-warning,.svi-privacy{margin-top:24px;padding:18px 20px;border-right:5px solid var(--coral);background:#fff6ed;line-height:1.8}.svi-source-note a,.svi-text-link{color:#9b2e20;font-weight:800}.svi-scenario{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:18px}.svi-scenario button{min-height:48px;padding:11px 18px;border:1px solid #71809a;border-radius:8px;background:transparent;color:#fff;font:inherit;font-weight:800;cursor:pointer}.svi-scenario button[aria-selected="true"]{border-color:#fff;background:#fff;color:var(--navy)}.svi-scenario-panel{padding:25px;border-radius:12px;background:#fff;color:var(--ink)}.svi-scenario-panel[hidden]{display:none}.svi-two{display:grid;grid-template-columns:1fr 1fr;gap:50px}.svi-two h2{font-size:clamp(1.75rem,3vw,2.7rem)}.svi-timeline{margin:0;padding:0;list-style:none;counter-reset:step}.svi-timeline li{position:relative;padding:0 48px 26px 0;counter-increment:step}.svi-timeline li:before{content:counter(step);position:absolute;right:0;top:2px;width:32px;height:32px;display:grid;place-items:center;border-radius:50%;background:var(--coral);color:#fff;font-weight:800}.svi-money{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}.svi-money>div{padding:28px;border-radius:14px;background:#fff}.svi-money strong{display:block;color:var(--navy);font-size:2rem}.svi-fee-notes{margin-top:22px}.svi-insurance{display:grid;grid-template-columns:1fr 1fr;gap:24px;padding:30px;border:1px solid var(--line);border-radius:16px}.svi-inline-links{display:flex;flex-wrap:wrap;gap:18px;margin-top:22px}.svi-inline-links a{color:#8f2b1e;font-weight:800}.svi-tool{background:var(--navy);color:#fff}.svi-tool__grid{display:grid;grid-template-columns:.7fr 1.3fr;gap:48px;align-items:start}.svi-tool h2{font-size:clamp(1.8rem,3vw,2.8rem)}.svi-checklist{display:grid;gap:10px;padding:26px;border-radius:16px;background:#fff;color:var(--ink)}.svi-checklist label{display:flex;gap:12px;align-items:flex-start;min-height:44px;padding:9px;border-radius:7px;cursor:pointer}.svi-checklist label:hover{background:#f5f7fa}.svi-checklist input{width:21px;height:21px;margin-top:3px;accent-color:var(--coral)}.svi-meter{height:10px;margin:20px 0 10px;border-radius:99px;background:#dce2ea;overflow:hidden}.svi-meter span{display:block;width:0;height:100%;background:var(--coral);transition:width .2s ease}.svi-faq details{border-top:1px solid var(--line);padding:17px 0}.svi-faq summary{min-height:44px;color:var(--navy);font-weight:800;cursor:pointer}.svi-faq__grid{grid-template-columns:repeat(2,1fr);gap:0 32px}.svi-sources{background:#f8f9fa}.svi-sources__grid{display:grid;grid-template-columns:.6fr 1.4fr;gap:45px}.svi-source-list{margin:0;padding-right:20px}.svi-source-list a{color:#7f281c}.svi-final{padding:68px 0;background:var(--coral);color:#fff}.svi-final__grid{display:grid;grid-template-columns:1fr auto;gap:30px;align-items:center}.svi-final h2{margin:0;font-size:clamp(1.8rem,3vw,2.8rem)}.svi-final p{max-width:760px}.svi-review{padding:100px 0;min-height:55vh}.svi-review h1{color:var(--navy)}
@media(max-width:900px){.svi-hero__grid,.svi-two,.svi-tool__grid,.svi-sources__grid{grid-template-columns:1fr}.svi-dossier{max-width:620px}.svi-grid5{grid-template-columns:repeat(2,1fr)}.svi-answer-grid,.svi-doc-grid,.svi-evidence,.svi-mistakes,.svi-after{grid-template-columns:repeat(2,1fr)}.svi-insurance{grid-template-columns:1fr}}
@media(max-width:620px){.svi-shell{width:min(100% - 28px,1160px)}.svi-hero{padding:50px 0}.svi h1{font-size:2.25rem}.svi-section{padding:58px 0}.svi-grid5,.svi-answer-grid,.svi-doc-grid,.svi-evidence,.svi-mistakes,.svi-after,.svi-faq__grid,.svi-money,.svi-final__grid{grid-template-columns:1fr}.svi-grid5>div{border-left:0;border-bottom:1px solid var(--line)}.svi-scenario{display:grid}.svi-scenario button{width:100%}.svi-final__grid{align-items:start}}
@media(prefers-reduced-motion:reduce){.svi *{scroll-behavior:auto!important;transition:none!important}}
.svi .svi-hero h1,.svi .svi-section--navy h2,.svi .svi-section--navy h3,.svi .svi-tool h2,.svi .svi-tool h3,.svi .svi-final h2,.svi .svi-final h3{color:#fff!important}