:root{--paper:#FBF8F3;--paper-deep:#F3EEE5;--ink:#22262A;--ink-soft:#565D63;--oxblood:#BF2134;--oxblood-deep:#8B0112;--rule:#D8D1C4;--serif:'Roboto Slab',serif;--sans:'Roboto Slab',sans-serif}
  *{margin:0;padding:0;box-sizing:border-box}
  body{background:var(--paper);color:var(--ink);font-family:var(--sans);font-size:17px;line-height:1.65}
  a{color:var(--oxblood)}a:hover{color:var(--oxblood-deep)}
  .wrap{max-width:1060px;margin:0 auto;padding:0 24px}
  .mast-top{border-bottom:1px solid var(--rule);padding:10px 0;font-size:.86rem;color:var(--ink-soft)}
  .mast-top .wrap{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}
  .masthead{padding:20px 0;border-bottom:2px solid var(--ink)}
  .masthead .wrap{display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap}
  .wordmark{font-family:var(--serif);font-size:1.7rem;font-weight:700;color:var(--ink);text-decoration:none;letter-spacing:.01em;display: flex;}
  .wordmark span{color:var(--oxblood)}
  .masthead nav{display:flex;gap:24px;align-items:center;flex-wrap:wrap}
  .masthead nav a{color:var(--ink);text-decoration:none;font-size:.95rem;font-weight:500;padding:8px 0}
  .masthead nav a:hover{color:var(--oxblood)}
  .masthead nav a.quote{background:var(--oxblood);color:#fff;font-weight:700;padding:10px 20px;border-radius:4px}
  .masthead nav a.quote:hover{background:var(--oxblood-deep);color:#fff}
  .site-head{position:sticky;top:0;z-index:40;background:var(--paper)}
  .m-actions{display:none;align-items:center;gap:8px}
  .m-ctas{display:none}
  .m-toggle{display:grid;place-content:center;gap:5px;width:44px;height:44px;border:1px solid var(--rule);border-radius:4px;background:none;cursor:pointer;padding:0}
  .m-toggle span{display:block;width:20px;height:2px;background:var(--ink);transition:transform .2s,opacity .2s}
  .nav-open .m-toggle span:nth-child(1){transform:translateY(7px) rotate(45deg)}
  .nav-open .m-toggle span:nth-child(2){opacity:0}
  .nav-open .m-toggle span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
  @media(max-width:720px){
    .mast-top{display:none}
    .wordmark{font-size:1.3rem;white-space:nowrap;line-height:1.2}
    .masthead{padding:14px 0;border-bottom:none;position:relative}
    .masthead .wrap{flex-wrap:nowrap}
    .m-actions{display:flex}
    .masthead nav{display:none}
    .nav-open .masthead nav{display:flex;flex-direction:column;align-items:stretch;gap:0;position:absolute;left:0;right:0;top:100%;background:var(--paper);border-bottom:2px solid var(--ink);padding:6px 24px 18px}
    .masthead nav a{padding:14px 0;border-bottom:1px solid var(--rule);font-size:1.02rem}
    .masthead nav a.quote{margin-top:14px;text-align:center;border-bottom:none}
    .m-ctas{display:block;border-top:1px solid var(--rule)}
    .m-ctas a{display:flex;align-items:center;justify-content:center;min-height:46px;font-weight:700;text-decoration:none}
    .m-phone{font-family:var(--serif);font-size:1.15rem;color:var(--ink);border-bottom:1px solid var(--rule)}
    .m-quote{font-size:.95rem;background:var(--oxblood);color:#fff}
  }
  .smallcaps{font-family:var(--sans);font-size:.78rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--oxblood)}
  article{max-width:680px;margin:0 auto;padding:56px 24px 64px}
  article h1{font-family:var(--serif);font-weight:700;line-height:1.3;font-size:clamp(1.7rem,3.4vw,2.3rem);margin:14px 0 26px;text-wrap:pretty}
  article h2{font-family:var(--serif);font-weight:700;line-height:1.3;font-size:1.35rem;margin:38px 0 14px}
  article h3{font-family:var(--serif);font-weight:700;font-size:1.08rem;margin:28px 0 10px}
  article p{margin:0 0 18px;text-wrap:pretty}
  article ul{margin:0 0 18px;padding-left:22px}
  article li{margin-bottom:8px}
  article b{color:var(--ink)}
  .outro{border-top:1px solid var(--rule);margin-top:34px;padding-top:22px;font-family:var(--serif);font-style:italic}
  .backlink{display:inline-block;margin-bottom:6px;font-size:.9rem;font-weight:600;text-decoration:none}
  .cta-band{background:var(--paper-deep);border-top:1px solid var(--rule);border-bottom:1px solid var(--rule);text-align:center;padding:44px 24px}
  .cta-band h2{font-family:var(--serif);font-size:1.4rem;margin-bottom:14px}
  .cta-band a.phone{font-family:var(--serif);font-size:1.6rem;font-weight:700;color:var(--ink);text-decoration:none;border-bottom:3px solid var(--oxblood)}
  .cta-band a.phone:hover{color:var(--oxblood)}
  footer{border-top:2px solid var(--ink);padding:26px 0 30px;font-size:.8rem;color:var(--ink-soft)}
  footer p{margin:0 0 8px}
  .desk-index{list-style:none;padding:0;margin-top:30px}
  .desk-index li{padding:18px 0;border-bottom:1px solid var(--rule)}
  .desk-index li a{font-family:var(--serif);font-weight:700;font-size:1.08rem;color:var(--ink);text-decoration:none}
  .desk-index li a:hover{color:var(--oxblood)}
  .desk-index li div{font-size:.9rem;color:var(--ink-soft);margin-top:4px}
  .carriers-page{max-width:820px;margin:0 auto;padding:56px 24px 64px}
  .carriers-page h1{font-family:var(--serif);font-weight:700;line-height:1.3;font-size:clamp(1.7rem,3.4vw,2.3rem);margin:14px 0 18px;text-wrap:pretty}
  .carriers-page .lede{color:var(--ink-soft);margin-bottom:8px;text-wrap:pretty}

  .fineprint{margin-top:44px;padding-top:20px;border-top:1px solid var(--rule);font-size:.9rem;color:var(--ink-soft)}
  .pg{max-width:720px;margin:0 auto;padding:56px 24px 64px}
  .pg h1{font-family:var(--serif);font-weight:700;line-height:1.3;font-size:clamp(1.6rem,3.2vw,2.2rem);margin:14px 0 22px;text-wrap:pretty}
  .pg h2{font-family:var(--serif);font-weight:700;font-size:1.25rem;margin:34px 0 12px}
  .pg p,.pg li{color:var(--ink);margin:0 0 16px;text-wrap:pretty}
  .pg ul{padding-left:22px;margin:0 0 16px}
  .pg .soft{color:var(--ink-soft)}
  footer{border-top:2px solid var(--ink);padding:48px 0 36px;font-size:.9rem;color:var(--ink-soft);position:relative;overflow:hidden}
  footer::before{content:"";position:absolute;inset:0;background:url("../assets/state-map.png") center 40%/min(680px,90%) no-repeat;opacity:.05;pointer-events:none}
  footer .wrap{position:relative}
  footer .wrap{max-width:1060px;margin:0 auto;padding:0 24px}
  .foot-cols{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:40px;margin-bottom:36px}
  @media(max-width:760px){.foot-cols{grid-template-columns:1fr}}
  footer h4{font-family:var(--serif);color:var(--ink);font-size:1rem;margin:0 0 12px}
  footer ul{list-style:none;margin:0;padding:0}
  footer ul li{margin-bottom:8px}
  footer a{color:var(--ink-soft);text-decoration:none}
  footer a:hover{color:var(--oxblood)}
  footer p{margin:0 0 8px}
  .socials{display:flex;gap:12px;margin-top:14px}
  .socials a{border:1px solid var(--rule);border-radius:4px;padding:6px 12px;font-size:.82rem}
  .foot-legal{border-top:1px solid var(--rule);padding-top:22px;font-size:.8rem;line-height:1.7}
  .pg2{max-width:1060px;margin:0 auto;padding:56px 24px 64px;display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:64px;align-items:start}
  @media(max-width:900px){.pg2{grid-template-columns:1fr;gap:40px}}
  .pg2 article{max-width:720px}
  .rail{position:sticky;top:96px;display:grid;gap:18px}
  .rail-card{border:1px solid var(--rule);border-radius:4px;background:#fff;padding:22px 22px 20px}
  .rail-card h3{font-family:var(--serif);font-weight:700;font-size:1.02rem;margin:0 0 10px}
  .rail-card p{font-size:.9rem;color:var(--ink-soft);margin:0 0 12px}
  .rail-card .rail-phone{font-family:var(--serif);font-size:1.35rem;font-weight:700;color:var(--ink);text-decoration:none;border-bottom:3px solid var(--oxblood)}
  .rail-card ul{list-style:none;margin:0;padding:0}
  .rail-card ul li{padding:8px 0;border-bottom:1px solid var(--rule);font-size:.9rem}
  .rail-card ul li:last-child{border-bottom:none}
  .rail-card ul a{color:var(--ink);text-decoration:none}
  .rail-card ul a:hover{color:var(--oxblood)}
  .rail-note{font-size:.8rem;color:var(--ink-soft);text-align:center;padding:0 6px}
  section[id]{scroll-margin-top:170px}
  @media(max-width:720px){section[id]{scroll-margin-top:120px}}
  html{scroll-behavior:smooth}
  [id]{scroll-margin-top:170px}
  @media(max-width:720px){[id]{scroll-margin-top:120px}}
  .foot-brands{display:flex;align-items:center;gap:10px;margin-top:16px}
  .foot-brands img{height:22px;width:22px}
  .tc-badge{font-size:.84rem;color:var(--ink-soft)}
  .foot-sister{font-size:.84rem;margin-top:10px}
  .page-hero{height:280px;border-bottom:1px solid var(--rule);background: url(/wp-content/themes/nmhic-advisers/assets/nmhi-home-hero.png);background-position: center;background-size: cover;background-repeat: no-repeat;}
  @media(max-width:720px){.page-hero{height:190px}}