/* Memphis Senior Advisor palette: Delta cotton-field olive + barbecue-ember red-orange,
   chosen to differ from every sibling site. Chat widget stays RIGHT-positioned (bottom-right). */
:root{
  --brand:#42506A; --brand-dark:#28324A; --brand-light:#5E6C88; --brand-soft:#E6EAF2;
  --accent:#E5B733; --accent-dark:#A9821A; --accent-soft:#F8EDC9;
  --sage:#7E8A9C; --sand:#F6F1EC; --sand-warm:#EDE3D9; --paper:#FFFFFF;
  --text:#2A2324; --text-soft:#554A4C; --muted:#7E7375; --line:#E2D9D5;
  --ok:#2F7D4F; --maxw:1180px; --r:12px;
}
*{box-sizing:border-box}
html,body{margin:0;padding:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--text);background:var(--paper);line-height:1.62;font-size:17.5px;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto}
a{color:var(--brand);text-decoration:underline;text-underline-offset:2px}
a:hover{color:var(--accent-dark)}
h1,h2,h3,h4{font-family:Georgia,"Times New Roman",serif;line-height:1.22;color:var(--brand-dark)}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 22px}
.skip{position:absolute;left:-9999px}
.skip:focus{left:8px;top:8px;background:#fff;padding:10px 14px;z-index:999;border-radius:8px}

.topbar{background:var(--brand-dark);color:#fff;font-size:14px;padding:7px 0}
.topbar .wrap{display:flex;align-items:center;justify-content:space-between;gap:14px;flex-wrap:wrap}
.topbar a{color:#fff;font-weight:700;text-decoration:none;white-space:nowrap}
.topbar a:hover{color:var(--accent-soft)}

header.site{background:var(--paper);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;padding:13px 22px;gap:16px}
.brand{display:flex;align-items:center;gap:11px;color:var(--brand-dark);text-decoration:none;font-weight:700;font-size:21px;font-family:Georgia,serif;line-height:1.1}
.brand .mark{width:44px;height:44px;border-radius:11px;background:linear-gradient(150deg,var(--brand) 0%,var(--brand-light) 100%);color:#fff;display:flex;align-items:center;justify-content:center;font-size:19px;font-weight:700;flex:0 0 auto;letter-spacing:.5px}
nav.main{display:flex;gap:22px;align-items:center}
nav.main a{color:var(--text);text-decoration:none;font-weight:600;font-size:15px;white-space:nowrap}
nav.main a:hover{color:var(--brand)}
.cta-btn{display:inline-block;background:var(--accent);color:#1E1608 !important;text-decoration:none !important;padding:11px 21px;border-radius:999px;font-weight:800;font-size:15px;border:0;cursor:pointer;font-family:inherit;box-shadow:0 2px 0 var(--accent-dark);transition:background .15s,transform .12s}
.cta-btn:hover{background:var(--accent-dark);color:#fff !important;transform:translateY(-1px)}
.cta-btn.lg{padding:14px 28px;font-size:17px}
.cta-btn.ghost{background:transparent;color:#fff !important;border:2px solid rgba(255,255,255,.85);box-shadow:none}
.cta-btn.ghost:hover{background:rgba(255,255,255,.14);color:#fff !important}
.menu-toggle{display:none;background:transparent;border:0;color:var(--brand);font-size:25px;cursor:pointer;line-height:1;padding:4px 8px}

.hero{background:linear-gradient(158deg,var(--brand-dark) 0%,var(--brand) 58%,var(--brand-light) 100%);color:#fff;padding:56px 0 62px}
.hero h1{font-size:41px;margin:0 0 15px;color:#fff;font-weight:700}
.hero .lede{font-size:19px;max-width:800px;margin:0 0 22px;color:rgba(255,255,255,.94)}
.hero .meta{display:flex;gap:24px;flex-wrap:wrap;color:rgba(255,255,255,.9);font-size:15px;margin-bottom:18px}
.hero .meta b{color:#fff}
.hero .actions{display:flex;gap:13px;flex-wrap:wrap;align-items:center}
.hero.compact{padding:40px 0 46px}
.hero.compact h1{font-size:31px}
.speakable{background:rgba(255,255,255,.12);border-left:4px solid var(--accent);border-radius:0 10px 10px 0;padding:15px 18px;margin:0 0 22px;max-width:800px}
.speakable .sq{display:block;font-size:13px;text-transform:uppercase;letter-spacing:.09em;color:var(--accent-soft);font-weight:800;margin-bottom:5px}
.speakable p{margin:0;font-size:17px;color:#fff}

.trustbar{background:var(--sand);border-bottom:1px solid var(--line);padding:16px 0}
.trustbar .wrap{display:flex;gap:26px;flex-wrap:wrap;justify-content:space-between}
.trustbar div{font-size:14.5px;color:var(--text-soft)}
.trustbar b{color:var(--brand-dark)}

.crumbs{background:var(--sand);border-bottom:1px solid var(--line);padding:9px 0;font-size:13.5px;color:var(--muted)}
.crumbs a{color:var(--text-soft);text-decoration:none}
.crumbs a:hover{color:var(--brand);text-decoration:underline}
.crumbs .sep{margin:0 7px;color:var(--muted)}

.layout{display:grid;grid-template-columns:1fr 320px;gap:40px;padding:30px 0 14px}
article.main h2{font-size:26px;margin:32px 0 12px}
article.main h3{font-size:20px;margin:24px 0 8px}
article.main p{margin:0 0 15px}
article.main ul,article.main ol{margin:0 0 16px;padding-left:22px}
article.main li{margin-bottom:8px}
.side{position:sticky;top:88px;align-self:start}
.side .card{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:20px;margin-bottom:16px}
.side .card h3{margin:0 0 10px;font-size:17px}
.side .card a.row{display:block;font-size:14.5px;color:var(--text);text-decoration:none;padding:7px 0;border-bottom:1px solid var(--line)}
.side .card a.row:last-child{border-bottom:0}
.side .card a.row:hover{color:var(--brand)}
.side .card.cta{background:linear-gradient(168deg,var(--brand-dark) 0%,var(--brand) 100%);color:#fff;text-align:center;border:0}
.side .card.cta h3{color:#fff}
.side .card.cta p{color:rgba(255,255,255,.92);margin:0 0 14px;font-size:15px}

.answer{background:var(--sand);border:1px solid var(--line);border-left:4px solid var(--accent);border-radius:0 10px 10px 0;padding:16px 18px;margin:0 0 22px}
.answer .lbl{display:block;font-size:12.5px;text-transform:uppercase;letter-spacing:.09em;color:var(--accent-dark);font-weight:800;margin-bottom:5px}
.answer p{margin:0;font-size:17px}
.note{background:var(--accent-soft);border-radius:10px;padding:14px 17px;margin:0 0 18px;font-size:15.5px;color:#5A430F}
.note b{color:#3D2C08}
.srcline{font-size:13.5px;color:var(--muted);margin:6px 0 18px}
.srcline a{color:var(--muted)}

section.section{padding:26px 0}
.section-alt{background:var(--sand);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.card-link{background:var(--paper);border:1px solid var(--line);border-radius:14px;padding:24px;text-decoration:none !important;color:inherit;display:block;transition:box-shadow .2s,transform .2s,border-color .2s}
.card-link:hover{box-shadow:0 14px 32px rgba(38,47,20,.16);transform:translateY(-4px);border-color:var(--brand-light)}
.card-link .em{font-size:32px;display:block;margin-bottom:9px}
.card-link h3{font-size:19px;margin:0 0 7px;text-decoration:none}
.card-link p{font-size:14.5px;color:var(--text-soft);margin:0 0 10px;line-height:1.5}
.card-link .more{color:var(--brand);font-weight:700;font-size:14.5px}
.card-link .tag{display:inline-block;font-size:11.5px;color:var(--accent-dark);font-weight:800;letter-spacing:.08em;text-transform:uppercase;margin-bottom:7px}

.faq{padding:8px 0 26px}
.faq details{background:var(--paper);border:1px solid var(--line);border-radius:10px;margin-bottom:10px;overflow:hidden}
.faq summary{cursor:pointer;padding:15px 46px 15px 18px;font-weight:700;font-size:16.5px;color:var(--brand-dark);list-style:none;position:relative;font-family:Georgia,serif}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:18px;top:13px;font-size:22px;color:var(--accent-dark);font-family:inherit}
.faq details[open] summary::after{content:"\2212"}
.faq details[open] summary{background:var(--sand)}
.faq .ans{padding:14px 18px 17px;font-size:16.5px;color:var(--text-soft);border-top:1px solid var(--line)}
.faq .ans p{margin:0 0 10px}
.faq .ans p:last-child{margin:0}

table.data{width:100%;border-collapse:collapse;margin:0 0 20px;font-size:15.5px}
table.data th,table.data td{text-align:left;padding:10px 12px;border-bottom:1px solid var(--line);vertical-align:top}
table.data th{background:var(--sand);font-weight:700;color:var(--brand-dark);font-size:14.5px}
table.data tr:hover td{background:var(--sand)}
.tblwrap{overflow-x:auto}

.bigcta{background:linear-gradient(158deg,var(--brand) 0%,var(--brand-dark) 100%);color:#fff;padding:44px 0;text-align:center}
.bigcta h2{color:#fff;font-size:29px;margin:0 0 11px}
.bigcta p{color:rgba(255,255,255,.92);max-width:660px;margin:0 auto 20px;font-size:17px}

footer.site{background:var(--brand-dark);color:rgba(255,255,255,.85);padding:46px 0 20px;font-size:14.5px}
footer.site a{color:#fff;text-decoration:none}
footer.site a:hover{color:var(--accent-soft);text-decoration:underline}
footer.site .cols{display:grid;grid-template-columns:repeat(4,1fr);gap:28px;margin-bottom:28px}
footer.site h4{color:#fff;margin:0 0 12px;font-size:13.5px;text-transform:uppercase;letter-spacing:.05em;font-weight:800;font-family:inherit}
footer.site ul{list-style:none;padding:0;margin:0}
footer.site li{margin-bottom:7px;font-size:14px}
footer.site .legal{border-top:1px solid rgba(255,255,255,.12);padding-top:17px;font-size:13px;color:rgba(255,255,255,.68);display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}
footer.site .badge{display:inline-block;padding:4px 10px;border-radius:5px;background:rgba(255,255,255,.12);color:#fff;font-size:12px;margin-right:7px}

.sticky-mobile{display:none;position:fixed;bottom:0;left:0;right:0;background:var(--paper);border-top:2px solid var(--accent);padding:9px 12px;z-index:90}
.sticky-mobile a{display:block;background:var(--accent);color:#1E1608;text-decoration:none;text-align:center;padding:13px;border-radius:999px;font-weight:800}

@media(max-width:980px){
  .layout{grid-template-columns:1fr}
  .side{position:static}
  .grid3{grid-template-columns:1fr 1fr}
  .grid4{grid-template-columns:1fr 1fr}
  footer.site .cols{grid-template-columns:1fr 1fr}
}
@media(max-width:760px){
  body{padding-bottom:72px}
  .sticky-mobile{display:block}
  nav.main{display:none;position:absolute;top:100%;left:0;right:0;background:var(--paper);border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;gap:0;padding:8px 0;box-shadow:0 16px 30px -14px rgba(0,0,0,.28)}
  nav.main.open{display:flex}
  nav.main a{padding:12px 22px;font-size:16px;border-bottom:1px solid var(--line)}
  nav.main a.cta-btn{margin:10px 22px;text-align:center;border-bottom:0}
  header.site .wrap{position:relative}
  .menu-toggle{display:inline-block}
  .hero{padding:38px 0 44px}
  .hero h1{font-size:29px}
  .hero.compact h1{font-size:25px}
  .grid3,.grid4{grid-template-columns:1fr}
  .topbar .wrap{font-size:13px}
}
@media(prefers-reduced-motion:reduce){*{transition:none !important;animation:none !important}}
@media print{.topbar,nav.main,.sticky-mobile,.sapchat,.bigcta{display:none}}

/* ---- care-match quiz modal ---- */
.sapq{position:fixed;inset:0;z-index:10000;display:none;align-items:center;justify-content:center;padding:18px}
.sapq.on{display:flex}
.sapq-back{position:absolute;inset:0;background:rgba(38,47,20,.62)}
.sapq-card{position:relative;background:var(--paper);border-radius:16px;width:100%;max-width:540px;max-height:92vh;overflow-y:auto;box-shadow:0 30px 70px -20px rgba(0,0,0,.5)}
.sapq-x{position:absolute;right:12px;top:10px;background:none;border:0;font-size:27px;line-height:1;color:var(--muted);cursor:pointer;padding:4px 8px;z-index:2}
.sapq-x:hover{color:var(--text)}
.sapq-bar{height:5px;background:var(--sand-warm);border-radius:16px 16px 0 0;overflow:hidden}
.sapq-bar i{display:block;height:100%;width:0;background:var(--accent);transition:width .3s ease}
.sapq-body{padding:24px 26px 28px}
.sapq-step{font-size:12.5px;text-transform:uppercase;letter-spacing:.09em;color:var(--accent-dark);font-weight:800;margin-bottom:8px}
.sapq-q{font-size:23px;margin:0 0 8px;color:var(--brand-dark);font-family:Georgia,serif;line-height:1.25}
.sapq-sub{font-size:15px;color:var(--text-soft);margin:0 0 16px;line-height:1.55}
.sapq-opts{display:flex;flex-direction:column;gap:9px;margin:16px 0 6px}
.sapq-opt{text-align:left;background:var(--paper);border:1.5px solid var(--line);border-radius:11px;padding:14px 16px;font-size:16px;font-family:inherit;color:var(--text);cursor:pointer;transition:border-color .15s,background .15s}
.sapq-opt:hover,.sapq-opt:focus{border-color:var(--brand);background:var(--sand);outline:none}
.sapq-back-btn{background:none;border:0;color:var(--muted);font-size:14.5px;font-family:inherit;cursor:pointer;padding:8px 0;margin-top:6px}
.sapq-back-btn:hover{color:var(--brand)}
.sapq-form label{display:block;font-weight:700;font-size:13px;margin:12px 0 5px;color:var(--brand-dark)}
.sapq-form input[type=text],.sapq-form input[type=email],.sapq-form input[type=tel],.sapq-form input:not([type]){width:100%;padding:12px;border:1.5px solid var(--line);border-radius:9px;font-size:16px;font-family:inherit}
.sapq-form input:focus{border-color:var(--brand);outline:none}
.sapq-consent{display:flex;gap:9px;align-items:flex-start;font-size:12px;color:var(--muted);font-weight:400 !important;line-height:1.45;margin:15px 0 4px !important}
.sapq-consent input{margin-top:2px;flex:0 0 auto}
.sapq-submit{width:100%;background:var(--accent);color:#1E1608;border:0;border-radius:11px;padding:14px;font-size:16.5px;font-weight:800;cursor:pointer;font-family:inherit;margin-top:15px}
.sapq-submit:hover{background:var(--accent-dark);color:#fff}
.sapq-submit:disabled{opacity:.6;cursor:default}
.sapq-alt{text-align:center;font-size:14.5px;color:var(--muted);margin:12px 0 0}
.sapq-alt a{color:var(--brand);font-weight:800;text-decoration:none;white-space:nowrap}
.sapq-ok{width:54px;height:54px;border-radius:50%;background:var(--ok);color:#fff;display:flex;align-items:center;justify-content:center;font-size:29px;margin:0 auto 14px}

/* ---- advisor chat widget ---- */
.sapchat{position:fixed;right:18px;bottom:18px;z-index:9999}
.sapchat-bub{display:none;align-items:center;gap:10px;background:var(--brand-dark);color:#fff;border:0;border-radius:40px;padding:12px 20px 12px 13px;font-size:15.5px;font-weight:700;cursor:pointer;font-family:inherit;box-shadow:0 12px 30px -10px rgba(0,0,0,.4)}
.sapchat-bub:hover{background:var(--brand)}
.sapchat-bic{width:28px;height:28px;border-radius:50%;object-fit:cover;flex:0 0 auto}
.sapchat-card{width:334px;max-width:calc(100vw - 26px);background:var(--paper);border-radius:14px;overflow:hidden;box-shadow:0 24px 60px -18px rgba(0,0,0,.42);border:1px solid var(--line);display:none;transform:translateY(18px);opacity:0;transition:transform .4s cubic-bezier(.2,.8,.25,1),opacity .4s}
.sapchat-card.in{transform:none;opacity:1}
.sapchat-head{background:var(--brand-dark);color:#fff;display:flex;align-items:center;gap:11px;padding:12px 14px}
.sapchat-av{width:42px;height:42px;border-radius:50%;object-fit:cover;border:2px solid #fff;flex:0 0 auto}
.sapchat-nm{font-weight:700;font-size:16.5px;line-height:1.15;display:block}
.sapchat-rl{font-size:12px;color:rgba(255,255,255,.82);display:block}
.sapchat-x{margin-left:auto;background:none;border:0;color:#fff;font-size:22px;line-height:1;cursor:pointer;padding:0 4px;opacity:.85}
.sapchat-x:hover{opacity:1}
.sapchat-body{padding:15px}
.sapchat-greet{background:var(--brand);color:#fff;border-radius:14px;border-top-left-radius:4px;padding:11px 13px;font-size:14.5px;font-weight:600;margin:0 0 12px;line-height:1.45}
.sapchat-checks{list-style:none;margin:0 0 14px;padding:0}
.sapchat-checks li{display:flex;gap:8px;font-size:14px;color:var(--text);margin:8px 0;line-height:1.4}
.sapchat-ck{flex:0 0 auto;width:18px;height:18px;border-radius:50%;background:var(--brand-soft);color:var(--brand-dark);display:flex;align-items:center;justify-content:center;font-size:11px;font-weight:800;margin-top:1px}
.sapchat-go{width:100%;background:var(--accent);color:#1E1608;border:0;border-radius:11px;padding:13px;font-size:15.5px;font-weight:800;cursor:pointer;font-family:inherit}
.sapchat-go:hover{background:var(--accent-dark);color:#fff}
.sapchat-call{text-align:center;margin:10px 0 0;font-size:14px;color:var(--muted)}
.sapchat-call a{color:var(--brand);font-weight:800;text-decoration:none;white-space:nowrap}
@media(max-width:820px){.sapchat{right:12px;bottom:78px}.sapchat-card{width:292px}}

/* ---- latest blog post strip (global footer) ---- */
.latest-strip{display:flex;align-items:center;gap:12px;flex-wrap:wrap;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);border-radius:10px;padding:13px 16px;margin:0 0 24px}
.latest-strip .ls-tag{flex:0 0 auto;font-size:11px;letter-spacing:.09em;text-transform:uppercase;font-weight:800;color:#1E1608;background:var(--accent);border-radius:4px;padding:4px 9px}
.latest-strip a{font-weight:700;font-size:15.5px;color:#fff;text-decoration:none;flex:1 1 auto;min-width:200px}
.latest-strip a:hover{color:var(--accent-soft);text-decoration:underline}
.latest-strip .ls-date{flex:0 0 auto;font-size:13px;color:rgba(255,255,255,.6)}
@media(max-width:600px){.latest-strip .ls-date{display:none}}

/* --- Omaha engine additions: AEO sections, contrast table, related module, directory filters --- */
section.qa{margin:0 0 6px}
section.qa h2{margin:30px 0 10px;font-size:25px}
section.qa h3{margin:20px 0 8px;font-size:19px}
.verified{display:inline-block;font-size:13px;color:var(--accent-dark);background:var(--accent-soft);border-radius:999px;padding:3px 11px;margin:0 0 14px;font-weight:700}
table.contrast th:first-child{width:28%}
table.contrast td.is{background:#F1F7F2}
table.contrast td.isnt{background:#FBF0EE}
.related{background:var(--brand-soft);border-radius:var(--r);padding:16px 20px;margin:26px 0 10px}
.related h2{margin:0 0 8px !important;font-size:19px !important}
.related ul{margin:0;padding-left:20px}
.related li{margin:5px 0}
.dirtools{display:flex;flex-wrap:wrap;gap:10px;align-items:center;margin:4px 0 12px;font-size:15px}
.dirtools input,.dirtools select{font:inherit;padding:7px 10px;border:1px solid var(--line);border-radius:8px;background:#fff}
.dirtools .count{color:var(--muted);font-size:14px}
table.sortable th{cursor:pointer;user-select:none;white-space:nowrap}
table.sortable th[data-dir="asc"]::after{content:" \25B2";font-size:11px}
table.sortable th[data-dir="desc"]::after{content:" \25BC";font-size:11px}
td.num{text-align:right;font-variant-numeric:tabular-nums}
.pill{display:inline-block;font-size:12px;font-weight:700;border-radius:999px;padding:2px 8px;background:var(--sand-warm);color:var(--brand-dark);white-space:nowrap}
.pill.dc{background:#E6E0F3;color:#3A2C56}.pill.bh{background:#DDEEE4;color:#1E4638}.pill.warn{background:#FBE3DA;color:#8A2E12}
.srcbox{font-size:14px;color:var(--text-soft);border-top:1px solid var(--line);padding-top:10px;margin-top:6px}
.sapchat-av{background:var(--brand);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-family:Georgia,serif;border-radius:50%}

/* skyline photo hero (homepage) */
.hero.has-photo{position:relative;overflow:hidden;background:linear-gradient(158deg,var(--brand-dark) 0%,var(--brand) 60%,var(--brand-light) 100%);padding:88px 0 94px}
.hero.has-photo .hero-img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center 62%;z-index:0;display:block}
.hero.has-photo .hero-shade{position:absolute;inset:0;z-index:1;background:linear-gradient(100deg,rgba(9,20,30,.9) 0%,rgba(9,20,30,.76) 42%,rgba(9,20,30,.38) 75%,rgba(9,20,30,.18) 100%)}
.hero.has-photo .wrap{position:relative;z-index:2}
.hero.has-photo h1,.hero.has-photo .lede{text-shadow:0 2px 14px rgba(0,0,0,.45)}
@media(max-width:760px){.hero.has-photo{padding:52px 0 58px}.hero.has-photo .hero-shade{background:linear-gradient(180deg,rgba(9,20,30,.74) 0%,rgba(9,20,30,.86) 100%)}}
img.sapchat-av,img.sapchat-bic{border-radius:50%;object-fit:cover;display:block}

/* ---- header click-to-call (ringing phone) + mobile overflow guard (2026-10-31) ---- */
header.site nav.main{margin-left:auto;flex-shrink:0}
.hdr-call{display:inline-flex;align-items:center;gap:8px;flex:0 0 auto;font-weight:800;font-size:15px;color:var(--brand-dark);text-decoration:none;white-space:nowrap}
.hdr-call:hover{color:var(--brand)}
.hdr-ring{width:34px;height:34px;border-radius:50%;background:var(--accent,var(--brand));color:#fff;display:inline-flex;align-items:center;justify-content:center;flex:0 0 auto;box-shadow:0 0 0 0 rgba(0,0,0,.18);animation:omacpulse 2.4s ease-out infinite}
.hdr-ring svg{width:17px;height:17px;fill:#fff;transform-origin:50% 50%;animation:omacring 2.4s ease-in-out infinite}
@keyframes omacring{0%,60%,100%{transform:rotate(0)}65%{transform:rotate(-15deg)}70%{transform:rotate(14deg)}75%{transform:rotate(-11deg)}80%{transform:rotate(9deg)}85%{transform:rotate(0)}}
@keyframes omacpulse{0%,55%{box-shadow:0 0 0 0 rgba(0,0,0,.22)}80%{box-shadow:0 0 0 9px rgba(0,0,0,0)}100%{box-shadow:0 0 0 0 rgba(0,0,0,0)}}
.hdr-call .hdr-num{display:none}
@media(max-width:760px){.hdr-call{margin-left:auto}.hdr-ring{width:40px;height:40px}.hdr-ring svg{width:19px;height:19px}
  header.site .wrap{gap:10px;padding-left:16px;padding-right:16px}.brand{min-width:0;font-size:18px}}
@media(prefers-reduced-motion:reduce){.hdr-ring,.hdr-ring svg{animation:none}}
html,body{max-width:100%}
.layout>*,.grid2>*,.grid3>*,.grid4>*,footer.site .cols>*,.wrap>*{min-width:0}
img,video,iframe,svg,canvas{max-width:100%}
pre{max-width:100%;overflow-x:auto}
footer.site a,footer.site li,footer.site p,.crumbs,.main p,.main li,.main dd,.main h1,.main h2,.main h3,section p,section li,.side a,.side p{overflow-wrap:anywhere}
td,th{overflow-wrap:break-word}
.tblwrap{max-width:100%;overflow-x:auto;-webkit-overflow-scrolling:touch}
@media(max-width:760px){
  table{display:block;max-width:100%;overflow-x:auto;-webkit-overflow-scrolling:touch}
  .tblwrap table{display:table;max-width:none}
  footer.site .cols{grid-template-columns:1fr 1fr;gap:22px}
}
@media(max-width:420px){.sapchat-card{max-width:calc(100vw - 24px)}}
/* tablet: the full nav no longer fits beside the call button -- collapse to the menu below 1100px */
@media(max-width:1100px){
  nav.main{display:none;position:absolute;top:100%;left:0;right:0;background:var(--paper);border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;gap:0;padding:8px 0;box-shadow:0 16px 30px -14px rgba(0,0,0,.28)}
  nav.main.open{display:flex}
  nav.main a{padding:12px 22px;font-size:16px;border-bottom:1px solid var(--line)}
  nav.main a.cta-btn{margin:10px 22px;text-align:center;border-bottom:0}
  header.site .wrap{position:relative}
  .menu-toggle{display:inline-block}
  .hdr-call{margin-left:auto}
  .hdr-call .hdr-num{display:inline}
}
@media(max-width:600px){.hdr-call .hdr-num{display:none}}

/* ---- chat advisor face, network standard (CHAT_AVATAR_STANDARD.md, Oct 31 2026) ---- */
.sapchat-head{padding:14px 16px;gap:14px;align-items:center}
.sapchat-av,img.sapchat-av{width:88px;height:88px;border-radius:50%;border:3px solid #fff;box-shadow:0 4px 14px rgba(0,0,0,.25);object-fit:cover;object-position:50% 25%;flex:0 0 auto;font-size:34px}
.sapchat-nm{font-size:20px}
.sapchat-bub{padding:8px 22px 8px 8px;gap:12px;font-size:17px;border-radius:999px}
.sapchat-bic,img.sapchat-bic{width:64px;height:64px;border-radius:50%;border:3px solid #fff;box-shadow:0 4px 14px rgba(0,0,0,.25);object-fit:cover;object-position:50% 25%;flex:0 0 auto}
span.sapchat-bic,span.sapchat-av{background:var(--brand-light);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-family:Georgia,serif}
span.sapchat-bic{font-size:26px}
@media(max-width:480px){.sapchat-av,img.sapchat-av{width:72px;height:72px;font-size:28px}.sapchat-bic,img.sapchat-bic{width:56px;height:56px}
  .sapchat-bub{font-size:16px;padding:6px 18px 6px 6px;max-width:calc(100vw - 24px)}}
.brand .mark{font-size:16px;letter-spacing:.3px}

/* === hummingbird brand mark (docs/FAVICON_LOGO_STANDARD.md) === */
img.logo-mark,.brand img.logo-mark,header img.logo-mark{width:40px!important;height:40px!important;min-width:40px;flex:0 0 40px;display:block;border-radius:9px;padding:0!important;margin:0;background:none!important;box-shadow:none;border:0;object-fit:contain;font-size:0;color:transparent}


/* rich UI layer: sites/_senior_shared/ui_decor.py */
:root{--i-check:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23000' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5'/%3E%3C/svg%3E");--i-x:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23000' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6.5 6.5l11 11m0-11l-11 11'/%3E%3C/svg%3E");--i-arrow:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23000' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12h14m-6-6l6 6-6 6'/%3E%3C/svg%3E");--i-star:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23000' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M12 3l2.7 5.6 6.1.9-4.4 4.3 1 6.1L12 17l-5.4 2.9 1-6.1-4.4-4.3 6.1-.9z'/%3E%3C/svg%3E");--i-phone:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23000' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6.6 10.8a15 15 0 0 0 6.6 6.6l2.2-2.2a1 1 0 0 1 1-.25 11.4 11.4 0 0 0 3.6.6 1 1 0 0 1 1 1V20a1 1 0 0 1-1 1A17 17 0 0 1 3 4a1 1 0 0 1 1-1h3.5a1 1 0 0 1 1 1c0 1.2.2 2.5.6 3.6a1 1 0 0 1-.25 1z'/%3E%3C/svg%3E");--i-bulb:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23000' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M9 18h6M10 21h4M12 3a6 6 0 0 0-3.6 10.8c.7.5 1.1 1.3 1.1 2.2h5c0-.9.4-1.7 1.1-2.2A6 6 0 0 0 12 3z'/%3E%3C/svg%3E");--i-db:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23000' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cellipse cx='12' cy='5.5' rx='8' ry='3'/%3E%3Cpath d='M4 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stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M3 21h18M6 17v-6M11 17V5M16 17V8M21 17v-3'/%3E%3C/svg%3E")}[data-ico=home]{--ico:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23000' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M3 11l9-7 9 7M5 10v10h14V10M10 20v-5h4v5'/%3E%3C/svg%3E")}[data-ico=heart]{--ico:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23000' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M12 20s-7.5-4.6-7.5-10.2A4.3 4.3 0 0 1 12 7.2a4.3 4.3 0 0 1 7.5 2.6C19.5 15.4 12 20 12 20z'/%3E%3C/svg%3E")}[data-ico=steps]{--ico:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23000' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M10 6h10M10 12h10M10 18h10M3.5 6L5 7.5 7.5 5M3.5 12L5 13.5 7.5 11M3.5 18L5 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13h.01'/%3E%3C/svg%3E")}[data-ico=link]{--ico:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23000' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M10 14a4 4 0 0 0 5.7 0l3-3a4 4 0 0 0-5.7-5.7l-1 1M14 10a4 4 0 0 0-5.7 0l-3 3a4 4 0 0 0 5.7 5.7l1-1'/%3E%3C/svg%3E")}[data-ico=users]{--ico:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23000' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Ccircle cx='9' cy='8' r='3.5'/%3E%3Cpath d='M2.5 20a6.5 6.5 0 0 1 13 0M16 4.6a3.5 3.5 0 0 1 0 6.8M18 14.2a6.5 6.5 0 0 1 3.5 5.8'/%3E%3C/svg%3E")}[data-ico=calendar]{--ico:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23000' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Crect x='3' y='5' width='18' height='16' rx='3'/%3E%3Cpath d='M3 10h18M8 3v4M16 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h3[data-ico]{position:relative;padding-left:58px;min-height:44px;display:flex;align-items:center}h2[data-ico]:before,.side h3[data-ico]:before{content:"";position:absolute;left:0;top:50%;transform:translateY(-50%);width:44px;height:44px;border-radius:13px;background:var(--ts)}h2[data-ico]:after,.side h3[data-ico]:after{content:"";position:absolute;left:11px;top:50%;transform:translateY(-50%);width:22px;height:22px;background:var(--t);--m:var(--ico)}article.main section.qa>h2,article.main>h2[data-ico]{border-bottom:2px solid var(--line);padding-bottom:12px;margin-bottom:16px}article.main>h2[data-ico]{margin-top:34px}article.main section.qa>h2:before,article.main section.qa>h2:after,article.main>h2[data-ico]:before,article.main>h2[data-ico]:after{margin-top:-6px}.side h3[data-ico]{padding-left:44px;min-height:34px}.side h3[data-ico]:before{width:34px;height:34px;border-radius:10px}.side h3[data-ico]:after{left:8px;width:18px;height:18px}article.main section.qa>h2+p{font-size:18px}article.main ul:not(.linklist){list-style:none;padding-left:0}article.main ul:not(.linklist)>li{position:relative;padding-left:32px}article.main ul:not(.linklist)>li:before{content:"";position:absolute;left:0;top:4px;width:21px;height:21px;border-radius:50%;background:var(--accent-soft)}article.main ul:not(.linklist)>li:after{content:"";position:absolute;left:5px;top:9px;width:11px;height:11px;background:var(--accent-dark);--m:var(--i-check)}article.main ol{list-style:none;padding-left:0;counter-reset:ol}article.main ol>li{position:relative;padding-left:40px;counter-increment:ol;min-height:28px}article.main ol>li:before{content:counter(ol);position:absolute;left:0;top:0;width:28px;height:28px;border-radius:50%;background:var(--brand);color:#fff;font:800 14px/28px Georgia,serif;text-align:center}ul.linklist{list-style:none;padding:0;margin:4px 0 20px;display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:10px}ul.linklist li{margin:0}ul.linklist a{display:flex;align-items:center;justify-content:space-between;gap:10px;height:100%;background:var(--paper);border:1px solid var(--line);border-left:4px solid var(--accent);border-radius:10px;padding:11px 14px;text-decoration:none;font-weight:700;font-size:15.5px;color:var(--brand-dark);box-shadow:var(--sh)}ul.linklist a:after,.related a:after,.relq a:after,.side a.row:after{content:"";flex:0 0 14px;width:14px;height:14px;background:var(--accent-dark);--m:var(--i-arrow)}ul.linklist a:hover{border-color:var(--brand-light);color:var(--brand)}.answer{position:relative;background:linear-gradient(135deg,var(--accent-soft),#F3FAF9);border:1px solid #BFDCDC;border-left:0;border-radius:16px;padding:20px 22px 20px 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