/* lifeinsurancetustin.vip: a driveway marbles game. Pale concrete is the ground, chalk is the line, glass is the only colour. */
@font-face{font-family:"Young Serif";src:url(/assets/font-tsdh7j3d-young-serif-400.woff2) format("woff2");font-weight:400;font-style:normal;font-display:swap}
@font-face{font-family:"Hanken Grotesk";src:url(/assets/font-tsdh7j3d-hanken-grotesk-400.woff2) format("woff2");font-weight:400;font-style:normal;font-display:swap}
@font-face{font-family:"Hanken Grotesk";src:url(/assets/font-tsdh7j3d-hanken-grotesk-600.woff2) format("woff2");font-weight:600;font-style:normal;font-display:swap}
@font-face{font-family:"Hanken Grotesk";src:url(/assets/font-tsdh7j3d-hanken-grotesk-700.woff2) format("woff2");font-weight:700;font-style:normal;font-display:swap}
:root{
--ground:#E3E6E1;--ground-deep:#D3D8D1;--slab:#F7F8F5;--chalk:#FFFFFF;--shade:#B4BCB3;
--ink:#17222B;--ink-soft:#43515B;--pouch:#17222B;--pouch-text:#E8EDE8;--pouch-soft:#B9C6BF;
--green:#0B6A4D;--green-deep:#07503A;--green-pale:#CFE6DB;
--ruby:#A3202B;--ruby-pale:#F6DADC;--amber:#E3A21A;--cobalt:#2A5DB0;
--head:"Young Serif","Iowan Old Style","Palatino Linotype",Georgia,serif;
--body:"Hanken Grotesk","Segoe UI",system-ui,-apple-system,sans-serif;
--roll:cubic-bezier(.2,.7,.2,1);--measure:38rem;--maxw:76rem}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;color:var(--ink);font-family:var(--body);font-size:1.0625rem;line-height:1.65;font-weight:400;
background-color:var(--ground);
background-image:radial-gradient(circle at 50% 50%,#CBD1C9 0 1px,transparent 1.6px),radial-gradient(circle at 50% 50%,#F1F3EF 0 1px,transparent 1.6px),radial-gradient(circle at 50% 50%,#D7DCD5 0 .8px,transparent 1.4px);
background-size:23px 19px,31px 29px,17px 13px;background-position:0 0,11px 9px,5px 3px}
::selection{background:var(--green);color:#fff}
img{display:block;max-width:100%;height:auto}
a{color:var(--green-deep);text-underline-offset:.2em;text-decoration-thickness:1.5px}
a:hover{text-decoration-thickness:3px}
.sk3b4-article a:not(.sk3b4-btn):hover,.sk3b4-section a:not(.sk3b4-btn):hover{color:var(--ink)}
:focus-visible{outline:3px solid var(--cobalt);outline-offset:3px;border-radius:3px}
h1,h2,h3{font-family:var(--head);font-weight:400;line-height:1.14;margin:0 0 .55em;letter-spacing:0;color:var(--ink);text-wrap:balance}
h1{font-size:clamp(2.45rem,5.4vw,4.35rem);line-height:1.04}
h2{font-size:clamp(1.9rem,3.6vw,2.9rem)}
h3{font-size:1.4rem;line-height:1.2}
p{margin:0 0 1em;max-width:var(--measure)}
strong{font-weight:700}
.sk3b4-wrap{width:min(100% - 2.5rem,var(--maxw));margin-inline:auto}
@media (max-width:600px){.sk3b4-wrap{width:min(100% - 2rem,var(--maxw))}}
.sk3b4-skip{position:absolute;left:-999px;top:0;background:var(--ink);color:#fff;padding:.75rem 1rem;z-index:99}
.sk3b4-skip:focus{left:1rem;top:1rem}

/* header: a chalk line under the nav, the brand carries one glass marble */
.sk3b4-head{position:sticky;top:0;z-index:30;background:color-mix(in srgb,var(--ground) 94%,transparent);backdrop-filter:blur(6px);border-bottom:1px solid var(--shade);box-shadow:0 4px 0 var(--chalk)}
.sk3b4-nav{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:.2rem 1.5rem;min-height:68px}
.sk3b4-brand{display:inline-flex;align-items:center;gap:.7rem;min-height:44px;font-family:var(--head);font-size:1.3rem;line-height:1.1;color:var(--ink);text-decoration:none}
.sk3b4-brand img{display:none}
.sk3b4-brand::before{content:"";flex:none;width:1.7rem;height:1.7rem;border-radius:50%;background:radial-gradient(circle at 32% 28%,#fff 0 7%,transparent 16%),radial-gradient(circle at 62% 66%,#1C3F80 0,transparent 62%),var(--cobalt);box-shadow:0 2px 0 rgba(23,34,43,.25)}
.sk3b4-brand:hover{color:var(--green-deep)}
.sk3b4-links{display:flex;flex-wrap:wrap;align-items:center;gap:0 .4rem}
.sk3b4-links a{display:inline-flex;align-items:center;min-height:44px;padding:0 .8rem;color:var(--ink);text-decoration:underline;text-decoration-color:transparent;text-decoration-thickness:3px;text-underline-offset:.35em;font-weight:600;font-size:1.0625rem;transition:text-decoration-color .3s var(--roll)}
.sk3b4-links a:not(.sk3b4-cta):hover{text-decoration-color:var(--ink);color:var(--ink)}
.sk3b4-cta{background:var(--green)!important;color:#fff!important;text-decoration:none!important;padding:0 1.35rem!important;border-radius:999px;margin-left:.4rem;font-weight:700!important;box-shadow:0 3px 0 var(--green-deep);transition:transform .2s var(--roll),box-shadow .2s var(--roll)}
.sk3b4-links a.sk3b4-cta:hover{background:var(--green-deep)!important;color:#fff!important;transform:translateY(2px);box-shadow:0 1px 0 var(--green-deep)}
.sk3b4-menu{display:none;align-items:center;justify-content:center;width:48px;min-height:48px;background:var(--slab);border:2px solid var(--ink);border-radius:50%;color:var(--ink);cursor:pointer}
@media (max-width:760px){
.sk3b4-menu{display:inline-flex}
.sk3b4-links{display:none;flex-basis:100%;flex-direction:column;align-items:stretch;gap:0;padding:.4rem 0 1rem}
.sk3b4-links[data-open]{display:flex}
.sk3b4-links a{padding:0 .2rem;border-top:1px dashed var(--shade)}
.sk3b4-cta{margin:.8rem 0 0!important;justify-content:center;border-top:0!important}
}

/* weather: a strip of chalked figures */
.sk3b4-wx{background:var(--slab);color:var(--ink);border-bottom:1px dashed var(--shade);padding:0 1.25rem}
@media (max-width:700px){.sk3b4-wx{padding:0 1rem}}
.sk3b4-wx-row{display:flex;flex-wrap:wrap;align-items:center;gap:.4rem 1.8rem;padding:.55rem 0}
.sk3b4-wx-photo{display:inline-flex;align-items:center;gap:.7rem;min-height:44px;background:none;border:0;padding:0;color:var(--green-deep);font:inherit;font-weight:600;cursor:pointer}
.sk3b4-wx-photo img{width:42px;height:42px;border-radius:50%;object-fit:cover;border:2px solid #fff;box-shadow:0 0 0 1px var(--shade),0 2px 0 var(--shade)}
.sk3b4-wx-photo span{border:0;border-radius:0;padding:0;font-size:1.0625rem;font-weight:600;letter-spacing:0;text-transform:none;text-decoration:underline;text-underline-offset:.2em;text-decoration-thickness:1.5px}
.sk3b4-wx-photo:hover span,.sk3b4-wx-photo[aria-expanded=true] span{background:none;border:0;color:var(--ink);text-decoration-thickness:3px}
.sk3b4-wx-now{display:flex;align-items:center;gap:.6rem}
.sk3b4-wx-now>div{display:flex;flex-wrap:wrap;align-items:baseline;gap:0 .7rem}
.sk3b4-wx-now strong{font-family:var(--head);font-weight:400;font-size:1.7rem;line-height:1.2;color:var(--ink)}
.sk3b4-wx-now span{font-size:1.0625rem}
.sk3b4-wx-now small{display:inline;font-size:1rem;color:var(--ink-soft);opacity:1}
.sk3b4-wx-icon{display:inline-flex;color:var(--cobalt)}.sk3b4-wx-icon svg{width:28px;height:28px}
.sk3b4-wx-days{display:flex;flex-wrap:wrap;gap:.2rem 1.6rem;list-style:none;margin:0;padding:0}
.sk3b4-wx-days li{display:flex;align-items:center;flex-wrap:wrap;gap:0 .5rem;border:0;border-radius:0;padding:0;min-width:0;font-size:1rem}
.sk3b4-wx-day{font-weight:700}
.sk3b4-wx-glyph{display:inline-flex;color:var(--cobalt)}.sk3b4-wx-glyph svg{width:22px;height:22px}
.sk3b4-wx-hl strong{font-weight:700;font-size:1rem}.sk3b4-wx-hl em{font-style:normal;margin-left:.3rem;color:var(--ink-soft);opacity:1}
.sk3b4-wx-cond{max-width:none;white-space:normal;opacity:1;font-size:1rem;color:var(--ink-soft);overflow:visible;text-overflow:clip}
.sk3b4-wx-source{margin-left:auto;font-size:.9375rem;color:var(--ink-soft);opacity:1}
.sk3b4-wx-panel{padding:0 0 1.2rem}
.sk3b4-wx-panel img{border-radius:6px;max-width:600px;width:100%;background:var(--ground-deep);border:3px solid #fff;box-shadow:0 0 0 1px var(--shade)}
.sk3b4-wx-panel p{font-size:.9375rem;color:var(--ink-soft);opacity:1;margin:.6rem 0 0}
@media (max-width:700px){.sk3b4-wx-source{margin-left:0;width:100%}.sk3b4-wx-now strong{font-size:1.5rem}}

/* captions (the eyebrow text): a small glass dot and a quiet line, never a chip */
.sk3b4-eyebrow{display:flex;align-items:center;gap:.6rem;margin:0 0 .9rem;font-size:1rem;font-weight:600;letter-spacing:0;text-transform:none;color:var(--ink-soft)}
.sk3b4-eyebrow::before{content:"";flex:none;width:.8rem;height:.8rem;border-radius:50%;background:radial-gradient(circle at 32% 30%,#fff 0 12%,transparent 30%),var(--amber);box-shadow:0 1px 0 rgba(23,34,43,.35)}
.sk3b4-sec-head .sk3b4-eyebrow{margin:.1rem 0 0}

/* hero: copy low and left, the ring on the right, mostly bare concrete */
.sk3b4-hero{position:relative;padding:3rem 0 3.8rem;background:none;overflow:hidden}
.sk3b4-hero-grid{display:grid;grid-template-columns:minmax(0,6fr) minmax(0,6fr);gap:1rem 2rem;align-items:center}
.sk3b4-hero-copy{padding-block:1rem}
.sk3b4-hero h1{max-width:13ch;margin-bottom:.5em}
.sk3b4-lead{font-size:1.2rem;line-height:1.6;color:var(--ink);max-width:34rem}
.sk3b4-acts{display:flex;flex-wrap:wrap;gap:.8rem;margin:1.7rem 0 0;max-width:none}
.sk3b4-trust{display:grid;gap:.1rem;margin:1.8rem 0 0;padding:0;list-style:none;font-size:1.0625rem;color:var(--ink);max-width:34rem}
.sk3b4-trust li{display:flex;align-items:center;gap:.7rem;min-height:36px;border-top:1px dashed var(--shade)}
.sk3b4-trust li::before{content:"";flex:none;width:.75rem;height:.75rem;border-radius:50%;background:radial-gradient(circle at 32% 30%,#fff 0 12%,transparent 30%),var(--green);box-shadow:0 1px 0 rgba(23,34,43,.35)}
.sk3b4-stage{position:relative;width:100%;max-width:41rem;justify-self:end}
.sk3b4-stage-art{position:relative;aspect-ratio:1/1}
.sk3b4-ring{position:absolute;inset:0;width:100%;height:100%}
.sk3b4-stage-foot{display:flex;justify-content:flex-end;margin-top:.8rem}
.sk3b4-stage-foot .sk3b4-eyebrow{margin:0}
.sk3b4-mosaic{position:absolute;inset:0;margin:0}
.sk3b4-mosaic a{position:absolute;display:block;border-radius:50%;background:var(--ground-deep);color:inherit;text-decoration:none;aspect-ratio:1/1;box-shadow:0 14px 18px -10px rgba(23,34,43,.55),0 2px 0 rgba(23,34,43,.25);transition:transform .45s var(--roll)}
.sk3b4-mosaic a::after{content:"";position:absolute;inset:0;border-radius:50%;pointer-events:none;background:radial-gradient(ellipse 26% 16% at 30% 20%,rgba(255,255,255,.75) 0 40%,transparent 100%),radial-gradient(circle at 50% 50%,transparent 62%,rgba(10,20,30,.38) 100%);box-shadow:inset 0 0 0 3px rgba(255,255,255,.55)}
.sk3b4-mosaic a:nth-child(1){left:8%;top:22%;width:46%}
.sk3b4-mosaic a:nth-child(2){left:58%;top:13%;width:28%}
.sk3b4-mosaic a:nth-child(3){left:54%;top:55%;width:24%}
.sk3b4-mosaic a:hover{transform:translate(5px,3px) rotate(5deg)}
.sk3b4-mosaic img{width:100%;height:100%;object-fit:cover;border-radius:50%;transition:none}
.sk3b4-mosaic span{position:absolute;left:50%;top:calc(100% + .5rem);transform:translateX(-50%);width:max-content;max-width:150%;padding:.25rem .65rem;background:var(--chalk);color:var(--ink);border-radius:4px;font-weight:600;font-size:.9375rem;line-height:1.3;text-align:center;box-shadow:0 1px 0 var(--shade)}
.sk3b4-mosaic a:hover span{background:var(--ink);color:#fff}
@media (max-width:900px){
.sk3b4-hero{padding:2rem 0 2.6rem}
.sk3b4-hero-grid{grid-template-columns:1fr;gap:2.4rem}
.sk3b4-hero h1{max-width:14ch}
.sk3b4-stage{justify-self:center;max-width:30rem}
}
@media (max-width:520px){
.sk3b4-stage-art{aspect-ratio:auto;display:grid}
.sk3b4-ring{position:absolute;inset:0;z-index:0}
.sk3b4-mosaic{position:relative;inset:auto;z-index:1;display:grid;grid-template-columns:1.25fr 1fr;grid-template-rows:auto auto;gap:4.6rem 1.2rem;padding:12% 9% 20%}
.sk3b4-mosaic a{position:relative;left:auto!important;top:auto!important;width:100%!important}
.sk3b4-mosaic a:nth-child(1){grid-row:1/3;align-self:center}
.sk3b4-mosaic a:nth-child(2){width:92%!important;justify-self:end}
.sk3b4-mosaic a:nth-child(3){width:74%!important;justify-self:end}
.sk3b4-mosaic span{width:max-content;max-width:9.5rem;font-size:.9375rem}
}

/* buttons */
.sk3b4-btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;min-height:48px;border:2px solid transparent;border-radius:999px;padding:.7rem 1.6rem;font:inherit;font-weight:700;font-size:1.0625rem;line-height:1.2;cursor:pointer;text-decoration:none;transition:transform .2s var(--roll),box-shadow .2s var(--roll),background-color .2s}
.sk3b4-btn--primary{background:var(--green);color:#fff;box-shadow:0 4px 0 var(--green-deep)}
.sk3b4-btn--primary:hover{background:var(--green-deep);color:#fff;transform:translateY(3px);box-shadow:0 1px 0 var(--green-deep)}
.sk3b4-btn--primary:active{transform:translateY(4px);box-shadow:none}
.sk3b4-btn--ghost{background:var(--slab);color:var(--ink);border-color:var(--ink)}
.sk3b4-btn--ghost:hover{background:var(--ink);color:#fff}
.sk3b4-btn[disabled]{opacity:.65;cursor:progress}

/* sections: wide margins on purpose, the empty concrete is part of the layout */
.sk3b4-section,.sk3b4-sec{padding:4rem 1.25rem;position:relative}
.sk3b4-section--soft{background:var(--ground-deep);border-block:1px dashed var(--shade)}
.sk3b4-section--deep{background:var(--pouch);color:var(--pouch-text)}
.sk3b4-section--deep h1,.sk3b4-section--deep h2,.sk3b4-section--deep h3{color:#fff}
.sk3b4-section--deep a{color:#fff}
.sk3b4-sec>.sk3b4-wrap,.sk3b4-section>.sk3b4-wrap,.sk3b4-wx>.sk3b4-wrap{width:min(100%,var(--maxw))}
.sk3b4-sec--last{padding:4rem 1.25rem 5.5rem}
@media (max-width:700px){.sk3b4-sec--last{padding:2.8rem 1rem 4rem}}
.sk3b4-sec-head{max-width:34rem}
.sk3b4-sec-head h2{margin-bottom:.3em}
@media (max-width:700px){.sk3b4-section,.sk3b4-sec{padding:2.8rem 1rem}}

/* how it works: three glass marbles rolled down the page, each lower than the last */
.sk3b4-cols{display:grid;gap:1.6rem;grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
.sk3b4-steps{margin-top:2.2rem;grid-template-columns:repeat(3,minmax(0,1fr));gap:2.2rem}
.sk3b4-steps .sk3b4-card:nth-child(2){margin-top:2.8rem}
.sk3b4-steps .sk3b4-card:nth-child(3){margin-top:5.6rem}
@media (max-width:860px){.sk3b4-steps{grid-template-columns:1fr;gap:1.8rem}.sk3b4-steps .sk3b4-card:nth-child(n){margin-top:0}}
.sk3b4-card{position:relative;background:none;border:0;border-radius:0;padding:0;color:var(--ink)}
.sk3b4-steps .sk3b4-card{border-top:2px dashed var(--shade);padding-top:1.4rem}
.sk3b4-steps .sk3b4-card p{max-width:24rem}
.sk3b4-num{display:grid;place-items:center;width:3.6rem;height:3.6rem;border-radius:50%;margin-bottom:1rem;font-family:var(--head);font-weight:400;font-size:1.5rem;line-height:1;color:#fff;background-color:var(--cobalt);box-shadow:0 5px 8px -3px rgba(23,34,43,.5),inset 7px 9px 9px -6px rgba(255,255,255,.6),inset -8px -10px 12px -4px rgba(0,0,0,.4),inset 0 0 0 3px rgba(255,255,255,.28);text-shadow:0 1px 1px rgba(0,0,0,.45)}
.sk3b4-steps .sk3b4-card:nth-child(2) .sk3b4-num{background-color:var(--ruby)}
.sk3b4-steps .sk3b4-card:nth-child(3) .sk3b4-num{background-color:var(--green)}

/* the quote: one bright slab, set to the right of an empty chalk line */
.sk3b4-sec--quote{padding-top:2.5rem}
.sk3b4-lag{display:block;width:min(100%,40rem);height:auto;margin:0 0 1.4rem;overflow:visible}
.sk3b4-quote-block{margin-left:auto;max-width:56rem}
@media (max-width:900px){.sk3b4-quote-block{margin-left:0}}
.sk3b4-quote{background:var(--slab);border:0;border-radius:4px 4px 14px 14px;padding:1.8rem;box-shadow:0 0 0 2px var(--chalk),0 1px 0 2px var(--shade),0 18px 30px -20px rgba(23,34,43,.55)}
@media (max-width:520px){.sk3b4-quote{padding:1.3rem 1.1rem}}
.sk3b4-quote h2{font-size:1.75rem;margin-bottom:.8em}
.sk3b4-fields{display:grid;grid-template-columns:1fr 1fr;gap:1.1rem 1.2rem}
@media (max-width:620px){.sk3b4-fields{grid-template-columns:1fr}}
.sk3b4-field{display:flex;flex-direction:column;gap:.4rem}
.sk3b4-field>span{font-size:1rem;font-weight:700;color:var(--ink)}
.sk3b4-field input,.sk3b4-field select,.sk3b4-field textarea{font:inherit;font-size:1.0625rem;min-height:48px;padding:.65rem .8rem;border:2px solid var(--ink-soft);border-radius:6px;background:#fff;color:var(--ink);width:100%}
.sk3b4-field textarea{min-height:9rem}
.sk3b4-field input:focus,.sk3b4-field select:focus,.sk3b4-field textarea:focus{outline:3px solid var(--cobalt);outline-offset:2px;border-color:var(--ink)}
.sk3b4-field--wide{grid-column:1/-1}
.sk3b4-seg{display:flex;flex-wrap:wrap;gap:.55rem}
.sk3b4-seg label{position:relative;display:inline-flex;align-items:center;gap:.55rem;min-height:48px;border:2px solid var(--ink-soft);border-radius:999px;padding:.4rem 1.1rem .4rem .8rem;cursor:pointer;font-size:1.0625rem;background:#fff;color:var(--ink);transition:background-color .15s}
.sk3b4-seg label::before{content:"";flex:none;width:1.05rem;height:1.05rem;border-radius:50%;border:2px solid var(--ink-soft);background:#fff}
.sk3b4-seg label:hover{background:var(--green-pale)}
.sk3b4-seg input{position:absolute;opacity:0;width:0;height:0}
.sk3b4-seg input:checked+span{background:none;margin:0;padding:0;display:inline}
.sk3b4-seg label:has(input:checked){background:var(--green);color:#fff;border-color:var(--green-deep);font-weight:700}
.sk3b4-seg label:has(input:checked)::before{border-color:#fff;background:radial-gradient(circle at 32% 30%,#fff 0 18%,transparent 40%),var(--amber)}
.sk3b4-seg label:has(input:focus-visible){outline:3px solid var(--cobalt);outline-offset:3px}
.sk3b4-seg input:focus-visible+span{outline:0}
.sk3b4-note{font-size:.9375rem;line-height:1.55;color:var(--ink-soft);margin-top:.8rem}
.sk3b4-status{margin-top:.9rem;font-weight:700;min-height:1.4em}
.sk3b4-status[data-tone=error]{color:#9A1B1B}
.sk3b4-quote>.sk3b4-btn{margin-top:.6rem}

/* results: each carrier is one marble on the line, the best one wears a chalk ring */
.sk3b4-results{margin-top:1.8rem}
.sk3b4-summary{display:flex;flex-wrap:wrap;gap:.4rem 1.4rem;align-items:baseline;margin-bottom:1.1rem;font-size:1.0625rem}
.sk3b4-result{display:grid;grid-template-columns:1fr auto;gap:.7rem 1.4rem;align-items:center;border:2px solid var(--shade);border-radius:10px;padding:1.1rem 1.2rem;margin-bottom:.9rem;background:var(--slab)}
.sk3b4-result--best{border-color:var(--green);background:#fff;box-shadow:0 0 0 4px var(--green-pale)}
.sk3b4-result strong{font-family:var(--head);font-weight:400;font-size:1.2rem}
.sk3b4-result small{display:block;color:var(--ink-soft);font-size:.9375rem}
.sk3b4-price{font-family:var(--head);font-size:1.9rem;font-weight:400;text-align:right;line-height:1;color:var(--ink)}
.sk3b4-price small{display:block;font-family:var(--body);font-size:.9375rem;font-weight:600;text-align:right;margin-top:.3rem}
.sk3b4-tags{display:flex;flex-wrap:wrap;gap:.4rem;margin-top:.4rem}
.sk3b4-tag{font-size:.875rem;font-weight:700;padding:.2rem .65rem;border-radius:999px;background:var(--ground);color:var(--ink);border:1.5px solid var(--ink-soft)}
.sk3b4-tag--now{background:var(--ruby-pale);color:#7E1119;border-color:var(--ruby);font-weight:700}
.sk3b4-group{font-family:var(--head);font-weight:400;font-size:1.35rem;margin:1.8rem 0 .5rem}
.sk3b4-applicant{margin:.2rem 0 1.1rem;border-color:var(--green)}
.sk3b4-result .sk3b4-btn{grid-column:1/-1;justify-self:start}
@media (min-width:640px){.sk3b4-result{grid-template-columns:1fr auto auto}.sk3b4-result .sk3b4-btn{grid-column:auto}}
.sk3b4-disclosure{font-size:.9375rem;color:var(--ink-soft);border-top:1px dashed var(--shade);padding-top:1rem;margin-top:1.2rem}
details.sk3b4-more{margin-top:.6rem;font-size:1rem}
details.sk3b4-more summary{cursor:pointer;min-height:44px;display:flex;align-items:center;color:var(--green-deep);font-weight:700}
.sk3b4-noexam{background:var(--slab);border:2px solid var(--green);border-radius:12px;padding:1.2rem 1.2rem .5rem;margin:0 0 1.6rem;box-shadow:0 0 0 4px var(--green-pale)}
.sk3b4-group--noexam{display:flex;flex-wrap:wrap;align-items:center;gap:.7rem;margin-top:0;font-size:1.4rem}
.sk3b4-noexam-badge{display:inline-block;background:var(--green);color:#fff;font-family:var(--body);font-size:.875rem;font-weight:700;letter-spacing:.02em;text-transform:none;padding:.3rem .8rem;border-radius:999px}
.sk3b4-noexam-note{margin-bottom:.9rem;color:var(--ink)}
.sk3b4-result--noexam{border-color:var(--green);background:#fff}
.sk3b4-tag--noexam{background:var(--green);color:#fff;border-color:var(--green-deep)}
.sk3b4-tag--usually{background:var(--green-pale);color:var(--ink);border-color:var(--green)}
.sk3b4-noexam-note+.sk3b4-noexam-note{margin-top:1rem;padding-top:.9rem;border-top:1px dashed var(--green)}

/* rates: a tally sheet; the note sits in the empty column beside it */
.sk3b4-rates{display:grid;grid-template-columns:minmax(0,5fr) minmax(0,7fr);gap:1rem 3.5rem;align-items:start}
@media (max-width:900px){.sk3b4-rates{grid-template-columns:1fr}}
.sk3b4-rates-note p{font-size:1.0625rem;color:var(--ink-soft);margin-top:1.2rem}
.sk3b4-rates-table{min-width:0;padding-top:.4rem}
.sk3b4-table-wrap{overflow-x:auto}
.sk3b4-table{width:100%;border-collapse:collapse;font-size:1.0625rem;background:var(--slab);border-radius:6px 6px 0 0}
.sk3b4-table th,.sk3b4-table td{padding:.8rem .9rem;border-bottom:2px dashed var(--shade);text-align:left}
.sk3b4-table th{font-size:.9375rem;font-weight:700;color:var(--ink);text-transform:none;letter-spacing:0;background:var(--ground-deep);border-bottom:3px solid var(--ink)}
.sk3b4-table td:not(:first-child),.sk3b4-table th:not(:first-child){text-align:right;font-variant-numeric:tabular-nums}
.sk3b4-table tbody tr:hover td{background:var(--green-pale)}
.sk3b4-table tbody td:first-child{font-weight:600}
.sk3b4-table tbody td:nth-child(2){font-family:var(--head);font-size:1.25rem;color:var(--green-deep)}

/* why: one dark pouch, the heading small and high, the words wide */
.sk3b4-sec--why{overflow:hidden;background:var(--pouch);color:var(--pouch-text);margin-block:1.5rem 0;border-radius:0}
.sk3b4-sec--why::before{content:"";position:absolute;right:max(-8rem,-9vw);top:-5rem;width:22rem;height:22rem;border-radius:50%;border:6px solid rgba(255,255,255,.14);box-shadow:inset 0 0 0 2px rgba(255,255,255,.08);pointer-events:none}
.sk3b4-sec--why h2{color:#fff}
.sk3b4-sec--why .sk3b4-eyebrow{color:var(--pouch-soft)}
.sk3b4-sec--why a{color:#fff}
.sk3b4-sec--why a:hover{color:var(--amber)}
.sk3b4-why{position:relative;display:grid;grid-template-columns:minmax(0,5fr) minmax(0,7fr);gap:1.4rem 4rem;align-items:start}
@media (max-width:900px){.sk3b4-why{grid-template-columns:1fr}}
.sk3b4-why-text p{font-size:1.125rem;color:var(--pouch-text);max-width:38rem}
.sk3b4-why-links{margin-top:1.6rem}
.sk3b4-why-links p{font-size:1.0625rem;border-top:1px dashed rgba(255,255,255,.35);padding-top:1.1rem}

/* learn: four cards, the even ones dropped, like marbles that stopped short */
.sk3b4-learn{margin-top:2.4rem;grid-template-columns:repeat(2,minmax(0,1fr));gap:1.6rem 2.4rem;align-items:start}
@media (max-width:760px){.sk3b4-learn{grid-template-columns:1fr}}
.sk3b4-learn .sk3b4-card{display:block;background:var(--slab);border-radius:6px;padding:1.5rem 1.5rem 1.5rem 5.2rem;text-decoration:none;color:var(--ink);box-shadow:0 1px 0 var(--shade),0 12px 22px -16px rgba(23,34,43,.6);transition:transform .3s var(--roll),box-shadow .3s var(--roll)}
.sk3b4-learn .sk3b4-card:nth-child(even){margin-top:2.6rem}
@media (max-width:760px){.sk3b4-learn .sk3b4-card:nth-child(even){margin-top:0}}
.sk3b4-learn .sk3b4-card::before{content:"";position:absolute;left:1.3rem;top:1.55rem;width:2.6rem;height:2.6rem;border-radius:50%;background:radial-gradient(ellipse 28% 18% at 30% 22%,rgba(255,255,255,.8) 0 40%,transparent 100%),radial-gradient(circle at 66% 70%,rgba(0,0,0,.3),transparent 62%),var(--cobalt);box-shadow:0 4px 6px -2px rgba(23,34,43,.5),inset 0 0 0 2px rgba(255,255,255,.35);transition:transform .45s var(--roll)}
.sk3b4-learn .sk3b4-card:nth-child(2)::before{background-color:var(--amber)}
.sk3b4-learn .sk3b4-card:nth-child(3)::before{background-color:var(--ruby)}
.sk3b4-learn .sk3b4-card:nth-child(4)::before{background-color:var(--green)}
.sk3b4-learn .sk3b4-card:hover{transform:translateY(-3px);box-shadow:0 1px 0 var(--shade),0 18px 26px -16px rgba(23,34,43,.7)}
.sk3b4-learn .sk3b4-card:hover::before{transform:translateX(6px) rotate(40deg)}
.sk3b4-learn .sk3b4-card h3{margin-bottom:.35em;text-decoration:underline;text-decoration-thickness:1.5px;text-underline-offset:.2em;text-decoration-color:var(--shade)}
.sk3b4-learn .sk3b4-card:hover h3{text-decoration-color:var(--ink)}
.sk3b4-learn .sk3b4-card p{margin:0;color:var(--ink-soft)}

/* inner pages: articles, faq, contact */
.sk3b4-article{max-width:var(--measure);margin-inline:auto}
.sk3b4-article h1{font-size:clamp(2.2rem,4.6vw,3.2rem)}
.sk3b4-article h2{margin-top:1.6em}
.sk3b4-article figure{margin:0 0 1.8rem}
.sk3b4-article figcaption{font-size:.9375rem;color:var(--ink-soft);margin-top:.5rem}
.sk3b4-article img{border-radius:6px;border:4px solid #fff;box-shadow:0 1px 0 var(--shade),0 14px 22px -16px rgba(23,34,43,.6)}
.sk3b4-article .sk3b4-card{background:var(--slab);border-radius:6px;padding:1.4rem;margin:1.6rem 0;box-shadow:0 0 0 2px var(--chalk),0 1px 0 2px var(--shade),0 12px 22px -16px rgba(23,34,43,.6)}
.sk3b4-calc output{font-family:var(--head);font-size:2.1rem;font-weight:400;display:block;margin-top:.8rem;color:var(--green-deep)}
.sk3b4-sources{font-size:1rem;border-top:2px dashed var(--shade);padding-top:1.1rem;margin-top:2.4rem}
.sk3b4-sources ol{padding-left:1.3rem}
.sk3b4-faq details{border-bottom:2px dashed var(--shade);padding:.2rem 0}
.sk3b4-faq summary{cursor:pointer;display:flex;align-items:center;gap:.8rem;min-height:56px;font-weight:400;font-family:var(--head);font-size:1.25rem;line-height:1.3;list-style:none}
.sk3b4-faq summary::-webkit-details-marker{display:none}
.sk3b4-faq summary::before{content:"";flex:none;width:1.1rem;height:1.1rem;border-radius:50%;background:radial-gradient(circle at 32% 30%,#fff 0 14%,transparent 34%),var(--cobalt);box-shadow:0 1px 0 rgba(23,34,43,.4);transition:transform .35s var(--roll)}
.sk3b4-faq details[open] summary::before{transform:translateX(.3rem);background-color:var(--green)}
.sk3b4-faq details>*:not(summary){margin-left:1.9rem}
.sk3b4-section .sk3b4-wrap>h1,.sk3b4-section .sk3b4-article>h1{margin-bottom:.45em}
.sk3b4-apply-shell{background:var(--slab);border:0;border-radius:4px 4px 14px 14px;padding:1rem;min-height:600px;box-shadow:0 0 0 2px var(--chalk),0 1px 0 2px var(--shade),0 18px 30px -20px rgba(23,34,43,.55)}
.sk3b4-apply-shell iframe{width:100%;border:0}
.sk3b4-section .sk3b4-quote{margin-top:1.8rem}

/* footer: the marble pouch */
.sk3b4-foot{position:relative;overflow:hidden;background:var(--pouch);color:var(--pouch-text);border-top:0;padding:3.2rem 0 2.6rem;font-size:1rem}
.sk3b4-foot::before{content:"";position:absolute;left:max(-10rem,-12vw);bottom:-9rem;width:21rem;height:21rem;border-radius:50%;border:6px solid rgba(255,255,255,.12);pointer-events:none}
.sk3b4-foot a{color:#fff;text-underline-offset:.2em}
.sk3b4-foot a:hover{color:var(--amber)}
.sk3b4-foot .sk3b4-brand,.sk3b4-foot .sk3b4-brand:hover{color:#fff}
.sk3b4-foot .sk3b4-brand::before{box-shadow:0 0 0 2px rgba(255,255,255,.35)}
.sk3b4-foot-grid{position:relative;display:grid;gap:2rem;grid-template-columns:2fr 1fr 1fr}
@media (max-width:700px){.sk3b4-foot-grid{grid-template-columns:1fr}}
.sk3b4-foot nav a{display:flex;align-items:center;min-height:44px;margin:0}
.sk3b4-foot nav strong{display:block;margin-bottom:.4rem;font-family:var(--head);font-weight:400;font-size:1.2rem;color:#fff}
.sk3b4-foot p{color:var(--pouch-text)}
.sk3b4-foot [data-copy=legal]{color:var(--pouch-soft);font-size:.9375rem!important;max-width:60rem;position:relative}

[data-reveal]{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}