/* Porterville Life Insurance: hive boxes at the grove edge in April bloom. One honey-gold field owns the page;
   the interface floats on it as white capsules; cream slabs with 48px top corners rise over each other like stacked supers. */
@font-face{font-family:"Outfit";src:url(/assets/font-tinj6ies-outfit-600.woff2) format("woff2");font-weight:600;font-style:normal;font-display:swap}
@font-face{font-family:"Atkinson Hyperlegible";src:url(/assets/font-tinj6ies-atkinson-hyperlegible-400.woff2) format("woff2");font-weight:400;font-style:normal;font-display:swap}
@font-face{font-family:"Atkinson Hyperlegible";src:url(/assets/font-tinj6ies-atkinson-hyperlegible-700.woff2) format("woff2");font-weight:700;font-style:normal;font-display:swap}

:root{
  --honey:#F4B01B;--honey-lt:#FFD768;--butter:#FFEFB8;--cream:#FBF5E2;--white:#fff;
  --ink:#2B2118;--ink-2:#58431F;--rule:#6B5A3A;--leaf:#1E5A2E;--leaf-deep:#17482A;--leaf-ink:#FFD35C;--bad:#9B1B1B;
  --head:"Outfit","Trebuchet MS",sans-serif;--body:"Atkinson Hyperlegible",Verdana,sans-serif;
  --measure:68ch;--maxw:1200px;--lap:48px;--bounce:cubic-bezier(.34,1.56,.64,1);
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:var(--honey);color:var(--ink);font:400 1.0625rem/1.55 var(--body);overflow-x:hidden}
::selection{background:var(--ink);color:var(--honey-lt)}
img{max-width:100%;height:auto;display:block}
a{color:var(--leaf);text-underline-offset:.2em;text-decoration-thickness:2px}
a:not(.s4yoe-skip):not(.s4yoe-cta):hover{color:var(--ink)}
.s4yoe-skip:hover{color:var(--white)}
:focus-visible{outline:3px solid var(--ink);outline-offset:3px}
h1,h2,h3{font-family:var(--head);font-weight:600;line-height:1;margin:0 0 .5em;letter-spacing:-.02em;text-wrap:balance}
h1{font-size:clamp(2.3rem,5.6vw,4.2rem)}
h2{font-size:clamp(2rem,4.6vw,3.5rem)}
h3{font-size:1.5rem;line-height:1.1;letter-spacing:-.01em}
p{margin:0 0 1em;max-width:var(--measure)}
strong{font-weight:700}
.s4yoe-wrap{width:100%;max-width:var(--maxw);margin-inline:auto;padding-inline:20px}
.s4yoe-skip{position:absolute;left:16px;top:-80px;background:var(--ink);color:var(--white);padding:.8rem 1.2rem;border-radius:999px;z-index:99}
.s4yoe-skip:focus{top:12px;color:var(--white)}

/* floating capsule bar: brand pill, segmented nav pill, detached call-to-action pill */
.s4yoe-head{position:sticky;top:0;z-index:30;background:var(--honey);padding:14px 0}
.s4yoe-nav{display:flex;align-items:center;gap:12px;position:relative}
.s4yoe-brand{display:inline-flex;align-items:center;gap:10px;min-height:52px;padding:6px 24px 6px 8px;background:var(--white);border-radius:999px;font:600 1.15rem/1 var(--head);letter-spacing:-.01em;color:var(--ink);text-decoration:none;transition:transform .4s var(--bounce)}
.s4yoe-brand:hover{color:var(--ink);transform:translateY(-2px)}
.s4yoe-brand img{width:38px;height:38px;border-radius:50%}
.s4yoe-links{display:flex;align-items:center;margin-left:auto}
.s4yoe-links a{display:inline-flex;align-items:center;min-height:52px;padding:0 22px;background:var(--white);color:var(--ink);font:600 1.0625rem var(--head);text-decoration:none;position:relative}
.s4yoe-links a:first-child{border-radius:999px 0 0 999px;padding-left:28px}
.s4yoe-links a:nth-child(4){border-radius:0 999px 999px 0;padding-right:28px}
.s4yoe-links a:not(.s4yoe-cta):hover{background:var(--butter);color:var(--ink)}
.s4yoe-links a:not(.s4yoe-cta)+a:not(.s4yoe-cta){box-shadow:inset 2px 0 0 var(--cream)}
.s4yoe-links a.s4yoe-cta{margin-left:12px;border-radius:999px;background:var(--ink);color:var(--white)!important;padding:0 28px;transition:transform .4s var(--bounce),background .2s}
.s4yoe-links a.s4yoe-cta:hover{background:var(--leaf);transform:translateY(-2px)}
.s4yoe-menu{display:none;margin-left:auto;width:52px;height:52px;align-items:center;justify-content:center;border:0;border-radius:50%;background:var(--leaf);color:var(--white);cursor:pointer;transition:transform .4s var(--bounce)}
.s4yoe-menu:hover{transform:scale(1.08)}
@media (max-width:980px){
  .s4yoe-menu{display:inline-flex}
  .s4yoe-links{display:none;position:absolute;top:calc(100% + 12px);left:20px;right:20px;flex-direction:column;align-items:stretch;background:var(--white);border-radius:32px;padding:12px;box-shadow:0 0 0 3px var(--ink);margin:0}
  .s4yoe-links[data-open]{display:flex}
  .s4yoe-links a,.s4yoe-links a:first-child,.s4yoe-links a:nth-child(4){border-radius:20px;min-height:52px;padding:0 20px;box-shadow:none!important}
  .s4yoe-links a.s4yoe-cta{margin:8px 0 0;justify-content:center;border-radius:999px}
}
@media (max-width:420px){.s4yoe-brand{font-size:1rem;padding-right:16px}.s4yoe-brand img{width:32px;height:32px}}

/* weather: one more white capsule resting on the field */
.s4yoe-wx{padding:4px 20px 0}
.s4yoe-wx-row{max-width:calc(var(--maxw) - 40px);margin-inline:auto;display:flex;flex-wrap:wrap;align-items:center;gap:8px 28px;background:var(--white);border-radius:999px;padding:8px 14px 8px 8px;color:var(--ink)}
.s4yoe-wx-photo{display:inline-flex;align-items:center;gap:10px;min-height:48px;background:none;border:0;padding:0;color:var(--ink);font:inherit;cursor:pointer}
.s4yoe-wx-photo img{width:48px;height:48px;border-radius:50%;object-fit:cover;box-shadow:0 0 0 3px var(--honey)}
.s4yoe-wx-photo span{font:600 .9rem/1 var(--head);padding:.7rem 1rem;border-radius:999px;border:2px solid var(--ink);transition:background .2s,transform .4s var(--bounce)}
.s4yoe-wx-photo:hover span,.s4yoe-wx-photo[aria-expanded=true] span{background:var(--leaf);border-color:var(--leaf);color:var(--white)}
.s4yoe-wx-photo:hover span{transform:translateX(3px)}
.s4yoe-wx-now{display:flex;align-items:center;gap:10px}
.s4yoe-wx-now>div{display:flex;align-items:baseline;gap:10px;flex-wrap:wrap}
.s4yoe-wx-now strong{font:600 2rem/1 var(--head);letter-spacing:-.02em;min-width:1.6ch}
.s4yoe-wx-now span{font-size:1rem}
.s4yoe-wx-now small{display:block;font-size:.9rem;color:var(--ink-2)}
.s4yoe-wx-icon{display:inline-flex;color:var(--leaf)}
.s4yoe-wx-days{display:flex;flex-wrap:wrap;gap:6px;list-style:none;margin:0;padding:0}
.s4yoe-wx-days li{display:grid;grid-template-columns:auto auto;grid-template-rows:auto auto;column-gap:10px;align-items:center;background:var(--cream);border-radius:22px;padding:.35rem .9rem;font-size:.9rem;min-width:124px}
.s4yoe-wx-day{font:600 .95rem var(--head);grid-column:1}
.s4yoe-wx-glyph{grid-row:1/3;grid-column:2;color:var(--leaf);display:inline-flex}.s4yoe-wx-glyph svg{width:24px;height:24px}
.s4yoe-wx-hl{grid-column:1}.s4yoe-wx-hl strong{font-weight:700}.s4yoe-wx-hl em{font-style:normal;color:var(--ink-2);margin-left:.3rem}
.s4yoe-wx-cond{grid-column:1/3;font-size:.82rem;color:var(--ink-2);max-width:170px;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.s4yoe-wx-source{margin-left:auto;font-size:.85rem;color:var(--ink-2);padding-right:10px}
.s4yoe-wx-panel{background:var(--white);border-radius:32px;margin-top:8px;padding:16px 20px;max-width:calc(var(--maxw) - 40px);margin-inline:auto}
.s4yoe-wx-panel[hidden]{display:none}
.s4yoe-wx-panel img{border-radius:24px;max-width:600px;width:100%;background:var(--cream)}
.s4yoe-wx-panel p{font-size:.9rem;color:var(--ink-2);margin:.6rem 0 0}
@media (max-width:760px){.s4yoe-wx-row{border-radius:32px;padding:10px}.s4yoe-wx-source{margin-left:0;width:100%;padding:0 6px 4px}}

/* hero on the open field */
.s4yoe-hero{padding:36px 0 calc(var(--lap) + 72px);position:relative}
.s4yoe-hero-in{position:relative;display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,.85fr);gap:24px;align-items:end}
.s4yoe-hero h1{font-size:clamp(2.6rem,6.4vw,5.4rem);line-height:.95;letter-spacing:-.025em;max-width:11.5em;margin-bottom:.35em}
.s4yoe-hero .s4yoe-eyebrow{margin-bottom:1.4rem}
.s4yoe-lower{max-width:640px}
.s4yoe-lead{font-size:1.25rem;line-height:1.45;color:var(--ink)}
.s4yoe-hero-art{align-self:end;justify-self:end;width:100%;max-width:520px;margin-bottom:-96px}
.s4yoe-hero-art svg{width:100%;height:auto;display:block}
@media (max-width:900px){.s4yoe-hero-in{grid-template-columns:1fr}.s4yoe-hero-art{max-width:380px;justify-self:start;margin:12px 0 -96px}}

.s4yoe-eyebrow{display:flex;align-items:center;gap:10px;font:700 1rem/1.3 var(--body);color:var(--ink-2);margin:0 0 .4rem;letter-spacing:0;text-transform:none}
.s4yoe-eyebrow::before{content:"";flex:none;width:16px;height:18px;background:var(--ink);clip-path:polygon(50% 0,100% 25%,100% 75%,50% 100%,0 75%,0 25%)}
.s4yoe-hero .s4yoe-eyebrow{color:var(--ink)}

.s4yoe-trust{display:flex;flex-wrap:wrap;gap:8px;margin:1.2rem 0 0;padding:0;list-style:none;font-size:1rem}
.s4yoe-trust li{display:inline-flex;align-items:center;gap:10px;min-height:44px;background:var(--white);border-radius:999px;padding:6px 18px 6px 8px}
.s4yoe-trust li::before{content:"";flex:none;width:28px;height:28px;border-radius:50%;background:var(--leaf) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 28 28'%3E%3Cpath d='M8 14.5l4 4 8-9' fill='none' stroke='white' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/100% no-repeat}
.s4yoe-acts{margin:1.6rem 0 0;display:flex;flex-wrap:wrap;gap:12px}
.s4yoe-acts p{margin:0!important;display:flex;flex-wrap:wrap;gap:12px;max-width:none}

/* pill buttons: colour lives in the disc, not the label */
.s4yoe-btn{display:inline-flex;align-items:center;gap:14px;min-height:56px;padding:0 10px 0 26px;border:2px solid var(--ink);border-radius:999px;background:var(--white);color:var(--ink);font:600 1.0625rem/1 var(--head);text-decoration:none;cursor:pointer;transition:background .2s,transform .4s var(--bounce)}
.s4yoe-btn>span[aria-hidden]{display:inline-grid;place-items:center;flex:none;width:40px;height:40px;border-radius:50%;background:var(--leaf);color:var(--white);font-size:1.15rem;line-height:1;transition:transform .4s var(--bounce)}
.s4yoe-btn:not(:has(>span[aria-hidden]))::after{content:"\203A"/"";display:inline-grid;place-items:center;flex:none;width:40px;height:40px;border-radius:50%;background:var(--leaf);color:var(--white);font-size:1.5rem;line-height:1;padding-bottom:3px;transition:transform .4s var(--bounce)}
.s4yoe-btn:hover{background:var(--butter);color:var(--ink)}
.s4yoe-btn:hover>span[aria-hidden],.s4yoe-btn:not(:has(>span[aria-hidden])):hover::after{transform:translateX(4px)}
.s4yoe-btn--ghost{background:transparent}
.s4yoe-btn--ghost:hover{background:var(--white)}
.s4yoe-btn--ghost:not(:has(>span[aria-hidden]))::after{background:var(--ink);color:var(--honey-lt)}
.s4yoe-btn[disabled]{opacity:.65;cursor:progress}

/* slabs: cream sheets with 48px top corners riding up over the one before */
.s4yoe-sec,.s4yoe-panel,.s4yoe-section{position:relative;background:var(--cream);border-radius:var(--lap) var(--lap) 0 0;margin-top:calc(var(--lap) * -1);padding:calc(var(--lap) + 56px) 0 64px;overflow:hidden}
.s4yoe-panel,.s4yoe-section--soft{background:var(--butter)}
.s4yoe-totem{background:var(--cream)}
.s4yoe-why,.s4yoe-section--deep{background:var(--leaf-deep);color:var(--white)}
.s4yoe-why h2,.s4yoe-why h3,.s4yoe-section--deep h2,.s4yoe-section--deep h3{color:var(--white)}
.s4yoe-why a,.s4yoe-section--deep a{color:var(--leaf-ink)}
.s4yoe-why a:hover,.s4yoe-section--deep a:hover{color:var(--white)}
.s4yoe-why .s4yoe-eyebrow,.s4yoe-section--deep .s4yoe-eyebrow{color:var(--white)!important}
.s4yoe-why .s4yoe-eyebrow::before{background:var(--honey)}
.s4yoe-why :focus-visible,.s4yoe-foot :focus-visible{outline-color:var(--honey-lt)}
.s4yoe-wrap{position:relative}
main>.s4yoe-section:first-child{margin-top:20px}

.s4yoe-sechead{display:grid;grid-template-columns:minmax(0,1.5fr) minmax(0,1fr);gap:6px 48px;align-items:end;margin-bottom:36px}
.s4yoe-sechead h2{margin:0}
.s4yoe-sechead .s4yoe-eyebrow{margin:0 0 .5rem}
@media (max-width:820px){.s4yoe-sechead{grid-template-columns:1fr;margin-bottom:28px}}

/* how-it-works: hexagon numerals, steps offset like comb cells */
.s4yoe-steps,.s4yoe-cols{display:grid;gap:20px;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));align-items:start}
.s4yoe-card{background:var(--white);border-radius:36px;padding:28px 28px 30px;position:relative}
.s4yoe-cols>.s4yoe-card:nth-child(even),.s4yoe-steps>.s4yoe-card:nth-child(even){margin-top:28px}
.s4yoe-card h3{margin-bottom:.4em}
.s4yoe-card p:last-child{margin-bottom:0}
.s4yoe-num{display:inline-grid;place-items:center;width:62px;height:70px;margin-bottom:14px;background:var(--honey);color:var(--ink);font:600 1.7rem/1 var(--head);clip-path:polygon(50% 0,100% 25%,100% 75%,50% 100%,0 75%,0 25%)}
@media (max-width:700px){.s4yoe-cols>.s4yoe-card:nth-child(even),.s4yoe-steps>.s4yoe-card:nth-child(even){margin-top:0}}
[data-reveal]{opacity:1!important;transform:none!important}

/* quote engine */
.s4yoe-quote{background:var(--white);border-radius:40px;padding:clamp(22px,4vw,44px)}
.s4yoe-quote h2{font-size:clamp(1.8rem,3.4vw,2.6rem);margin-bottom:.7em}
.s4yoe-fields{display:grid;grid-template-columns:1fr 1fr;gap:20px 24px}
@media (max-width:640px){.s4yoe-fields{grid-template-columns:1fr}}
.s4yoe-field{display:flex;flex-direction:column;gap:8px}
.s4yoe-field>span{font:700 1rem/1.3 var(--body)}
.s4yoe-field input,.s4yoe-field select,.s4yoe-field textarea{font:inherit;font-size:1.0625rem;min-height:52px;padding:.7rem 1rem;border:2px solid var(--rule);border-radius:20px;background:var(--cream);color:var(--ink);width:100%}
.s4yoe-field textarea{min-height:140px;border-radius:24px}
.s4yoe-field input:focus,.s4yoe-field select:focus,.s4yoe-field textarea:focus{outline:3px solid var(--ink);outline-offset:2px;background:var(--white)}
.s4yoe-field--wide{grid-column:1/-1}
.s4yoe-seg{display:flex;flex-wrap:wrap;gap:8px}
.s4yoe-seg label{position:relative;display:inline-flex;align-items:center;min-height:52px;padding:0 22px;border:2px solid var(--rule);border-radius:999px;background:var(--cream);cursor:pointer;font-size:1.0625rem;transition:background .2s,transform .4s var(--bounce)}
.s4yoe-seg label:hover{background:var(--butter);transform:translateY(-2px)}
.s4yoe-seg input{position:absolute;opacity:0;width:100%;height:100%;left:0;top:0;margin:0;cursor:pointer;min-height:0}
.s4yoe-seg span{pointer-events:none}
.s4yoe-seg label:has(input:checked){background:var(--leaf);border-color:var(--leaf);color:var(--white);font-weight:700}
.s4yoe-seg label:has(input:focus-visible){outline:3px solid var(--ink);outline-offset:3px}
.s4yoe-note{font-size:.95rem;color:var(--ink-2);margin:1.2rem 0 1rem}
.s4yoe-status{margin-top:1rem;font-weight:700;min-height:1.5em}
.s4yoe-status[data-tone=error]{color:var(--bad)}
.s4yoe-results{margin-top:28px}
.s4yoe-summary{display:flex;flex-wrap:wrap;gap:6px 18px;align-items:baseline;margin-bottom:18px;padding:14px 24px;background:var(--white);border-radius:32px;font-size:1rem}
.s4yoe-summary strong{font:600 1.4rem var(--head)}
.s4yoe-result{display:grid;grid-template-columns:1fr auto;gap:10px 22px;align-items:center;border-radius:32px;padding:20px 24px;margin-bottom:12px;background:var(--white)}
.s4yoe-result--best{box-shadow:0 0 0 4px var(--leaf)}
.s4yoe-result strong{font:600 1.2rem/1.2 var(--head)}
.s4yoe-result small{display:block;color:var(--ink-2);font-size:.92rem}
.s4yoe-price{font:600 2.1rem/1 var(--head);text-align:right;letter-spacing:-.02em}
.s4yoe-price small{display:block;font:400 .85rem var(--body);text-align:right;margin-top:.3rem}
.s4yoe-tags{display:flex;flex-wrap:wrap;gap:6px;margin-top:.5rem}
.s4yoe-tag{font-size:.85rem;font-weight:700;padding:.2rem .75rem;border-radius:999px;background:var(--butter);color:var(--ink)}
.s4yoe-tag--now{background:#FFDADA;color:var(--bad)}
.s4yoe-group{font-size:1.5rem;margin:28px 0 8px}
.s4yoe-applicant{margin:8px 0 20px;box-shadow:0 0 0 4px var(--leaf)}
.s4yoe-result .s4yoe-btn{grid-column:1/-1;justify-self:start}
@media (min-width:700px){.s4yoe-result{grid-template-columns:1fr auto auto}.s4yoe-result .s4yoe-btn{grid-column:auto}}
.s4yoe-disclosure{font-size:.9rem;color:var(--ink-2);padding:18px 4px 0;margin-top:1rem;max-width:none}
details.s4yoe-more{margin-top:.6rem;font-size:.95rem}
details.s4yoe-more summary{cursor:pointer;color:var(--leaf);font-weight:700;min-height:44px;display:flex;align-items:center}
.s4yoe-noexam{background:var(--white);border-radius:40px;padding:24px 22px 8px;margin:0 0 24px;box-shadow:0 0 0 4px var(--leaf)}
.s4yoe-group--noexam{display:flex;flex-wrap:wrap;align-items:center;gap:10px;margin-top:0;font-size:1.4rem}
.s4yoe-noexam-badge{display:inline-block;background:var(--leaf);color:var(--white);font:600 .95rem/1 var(--head);padding:.6rem 1rem;border-radius:999px}
.s4yoe-noexam-note{color:var(--ink)}
.s4yoe-result--noexam{background:var(--cream)}
.s4yoe-tag--noexam{background:var(--leaf);color:var(--white)}
.s4yoe-tag--usually{background:var(--honey-lt);color:var(--ink)}
.s4yoe-noexam-note+.s4yoe-noexam-note{margin-top:1.2rem;padding-top:1rem}
.s4yoe-result--noexam .s4yoe-tag{background:var(--butter)}
.s4yoe-result--noexam .s4yoe-tag--noexam{background:var(--leaf);color:var(--white)}

/* rates: each applicant is a capsule row */
.s4yoe-table-wrap{overflow-x:auto;margin-top:12px}
.s4yoe-table{width:100%;border-collapse:separate;border-spacing:0 8px;font-size:1.0625rem}
.s4yoe-table th{font:600 .95rem/1.2 var(--head);text-align:left;padding:.4rem 1.2rem;color:var(--ink-2)}
.s4yoe-table td{background:var(--white);padding:.9rem 1.2rem;text-align:left}
.s4yoe-table td:first-child{border-radius:999px 0 0 999px;padding-left:28px;font-weight:700}
.s4yoe-table td:last-child{border-radius:0 999px 999px 0;padding-right:28px}
.s4yoe-table td:nth-child(2),.s4yoe-table td:nth-child(3){font:600 1.4rem/1 var(--head);letter-spacing:-.01em}
.s4yoe-table tbody tr:hover td{background:var(--butter)}
@media (max-width:640px){.s4yoe-table{font-size:.95rem}.s4yoe-table th{font-size:.8rem;padding:.3rem .5rem}.s4yoe-table td{padding:.8rem .5rem}.s4yoe-table td:first-child{padding-left:14px}.s4yoe-table td:last-child{padding-right:12px;border-radius:0 24px 24px 0}.s4yoe-table td:first-child{border-radius:24px 0 0 24px}.s4yoe-table td:nth-child(2),.s4yoe-table td:nth-child(3){font-size:1.1rem}}
.s4yoe-totem>.s4yoe-wrap>p{color:var(--ink)}

/* why: dark leaf slab with comb cells and the three city photos as rounded lobes */
.s4yoe-comb-a{position:absolute;right:-70px;bottom:-60px;width:min(46vw,420px);opacity:.9;pointer-events:none}
.s4yoe-comb-a svg{width:100%;height:auto;display:block}
.s4yoe-why-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:48px;align-items:start}
@media (max-width:900px){.s4yoe-why-grid{grid-template-columns:1fr;gap:32px}}
.s4yoe-why-text p{font-size:1.1875rem;line-height:1.55;max-width:none}
.s4yoe-hl p{font-size:1.0625rem;margin-top:1.6rem}
.s4yoe-hl a{display:inline-flex;align-items:center;min-height:44px}
.s4yoe-mosaic{display:grid;grid-template-columns:1fr 1fr;gap:12px;position:relative}
.s4yoe-mosaic a{position:relative;display:block;border-radius:28px;overflow:hidden;background:var(--leaf);aspect-ratio:1/1}
.s4yoe-mosaic a:first-child{grid-column:1/-1;aspect-ratio:16/10;border-radius:40px}
.s4yoe-mosaic img{width:100%;height:100%;object-fit:cover;transition:transform .5s var(--bounce)}
.s4yoe-mosaic a:hover img{transform:scale(1.05)}
.s4yoe-mosaic span{position:absolute;left:10px;bottom:10px;right:10px;width:fit-content;max-width:calc(100% - 20px);padding:.45rem 1rem;border-radius:999px;background:var(--white);color:var(--ink);font:600 .9rem/1.2 var(--head)}

/* learn: lozenge links with a green disc */
.s4yoe-learn-list{display:grid;gap:14px;grid-template-columns:repeat(2,minmax(0,1fr))}
@media (max-width:760px){.s4yoe-learn-list{grid-template-columns:1fr}}
a.s4yoe-card{display:block;text-decoration:none;color:var(--ink);padding:26px 84px 26px 28px;min-height:44px;transition:background .2s,transform .4s var(--bounce)}
a.s4yoe-card::after{content:"\2192"/"";position:absolute;right:20px;top:50%;margin-top:-22px;width:44px;height:44px;border-radius:50%;background:var(--leaf);color:var(--white);display:grid;place-items:center;font-size:1.2rem;transition:transform .4s var(--bounce)}
a.s4yoe-card:hover{background:var(--butter);color:var(--ink);transform:translateY(-3px)}
a.s4yoe-card:hover::after{transform:translateX(5px)}
a.s4yoe-card h3{margin-bottom:.3em}
a.s4yoe-card p{margin:0}
.s4yoe-learn-list>.s4yoe-card:nth-child(even){margin-top:0}

/* inner pages */
.s4yoe-article{max-width:var(--measure);margin-inline:auto}
.s4yoe-article h1{margin-bottom:.4em}
.s4yoe-article h2{font-size:clamp(1.7rem,3.4vw,2.4rem);margin-top:1.6em}
.s4yoe-article figure{margin:0 0 1.8rem}
.s4yoe-article figcaption{font-size:.9rem;color:var(--ink-2);margin-top:.6rem}
.s4yoe-article img{border-radius:36px}
.s4yoe-article .s4yoe-lead{font-size:1.25rem}
.s4yoe-section .s4yoe-lead{font-size:1.25rem;max-width:var(--measure)}
.s4yoe-section h1{margin-bottom:.4em;max-width:14em}
.s4yoe-article h1{max-width:none}
.s4yoe-sources{font-size:.95rem;border-top:2px solid var(--rule);padding-top:1.2rem;margin-top:2.4rem}
.s4yoe-sources ol{padding-left:1.3rem}
.s4yoe-calc{margin:1.4rem 0 2rem;background:var(--white)}
.s4yoe-calc output{font:600 clamp(2.4rem,6vw,3.6rem)/1 var(--head);letter-spacing:-.02em;display:block;margin-top:1.2rem;color:var(--leaf)}
.s4yoe-faq details{background:var(--white);border-radius:32px;margin-bottom:10px;padding:0 24px}
.s4yoe-faq summary{cursor:pointer;list-style:none;display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:68px;font:600 1.2rem/1.3 var(--head);padding:12px 0}
.s4yoe-faq summary::-webkit-details-marker{display:none}
.s4yoe-faq summary::after{content:"+"/"";flex:none;width:44px;height:44px;border-radius:50%;background:var(--leaf);color:var(--white);display:grid;place-items:center;font:600 1.6rem/1 var(--head);padding-bottom:3px;transition:transform .4s var(--bounce)}
.s4yoe-faq details[open] summary::after{content:"\2212"/"";transform:rotate(180deg)}
.s4yoe-faq details p{padding-bottom:6px}
.s4yoe-apply-shell{background:var(--white);border-radius:40px;padding:clamp(14px,3vw,32px);min-height:600px}
.s4yoe-apply-shell iframe{width:100%;border:0}
.s4yoe-section .s4yoe-quote.s4yoe-applicant{background:var(--cream)}

/* footer: ink slab */
.s4yoe-foot{position:relative;background:var(--ink);color:#F6EBCB;border-radius:var(--lap) var(--lap) 0 0;margin-top:calc(var(--lap) * -1);padding:calc(var(--lap) + 44px) 0 40px;font-size:1rem}
.s4yoe-foot a{color:var(--honey-lt)}
.s4yoe-foot a:hover{color:var(--white)}
.s4yoe-foot .s4yoe-brand{background:var(--white);color:var(--ink)}
.s4yoe-foot .s4yoe-brand:hover{color:var(--ink)}
.s4yoe-foot-grid{display:grid;gap:32px;grid-template-columns:2fr 1fr 1fr}
@media (max-width:760px){.s4yoe-foot-grid{grid-template-columns:1fr}}
.s4yoe-foot nav strong{display:block;font:600 1.15rem var(--head);color:var(--white);margin-bottom:.6rem}
.s4yoe-foot nav a{display:flex;align-items:center;min-height:44px}
.s4yoe-foot p{max-width:46ch}
main{display:block}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
main>*:last-child{padding-bottom:calc(var(--lap) + 72px)}