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#ffffff8c}.btn--ghost-on-dark:hover{background:#ffffff1f;color:var(--spa-white)}.site-header{position:sticky;top:0;z-index:100;background:var(--spa-navy);color:var(--color-on-dark)}.header-bar{display:flex;align-items:center;gap:var(--space-lg);min-height:4.5rem;padding-block:var(--space-sm)}.brand{display:inline-flex;align-items:center;flex:0 0 auto}.brand img{height:2.25rem;width:auto}.brand:hover{text-decoration:none}.primary-nav{display:none}@media(min-width:1024px){.primary-nav{display:flex;align-items:center;gap:var(--space-xs);margin-inline-start:var(--space-sm)}}.nav-item{position:relative}.nav-link,.nav-trigger{display:inline-flex;align-items:center;gap:.35em;color:var(--color-on-dark);background:transparent;border:0;font-family:var(--font-body);font-weight:var(--fw-semibold);font-size:var(--fs-body);padding:var(--space-sm) var(--space-md);border-radius:var(--radius-sm);cursor:pointer;text-decoration:none;white-space:nowrap}.nav-link:hover,.nav-trigger:hover{color:var(--color-on-dark);background:#ffffff1a;text-decoration:none}.nav-trigger .caret{transition:transform .18s ease;font-size:.7em}.nav-trigger[aria-expanded=true]{background:#ffffff1f}.nav-trigger[aria-expanded=true] .caret{transform:rotate(180deg)}.header-actions{display:none;margin-inline-start:auto;align-items:center;gap:var(--space-md)}@media(min-width:1024px){.header-actions{display:flex}}.loss-line{display:inline-flex;flex-direction:column;line-height:1.15;color:var(--color-on-dark);text-decoration:none;white-space:nowrap}.loss-line small,.loss-line strong{white-space:nowrap}.loss-line small{font-size:var(--fs-eyebrow);letter-spacing:var(--ls-eyebrow);text-transform:uppercase;color:#ffffffb8}.loss-line strong{font-family:var(--font-display);font-weight:var(--fw-display);font-size:var(--fs-h5)}.loss-line:hover{text-decoration:none}.mega-panel{position:absolute;left:0;top:calc(100% + var(--space-xs));width:min(60rem,92vw);background:var(--color-bg);color:var(--color-text);border:1px solid var(--color-border);border-radius:var(--radius-lg);box-shadow:var(--shadow-lg);padding:var(--space-xl);display:none;z-index:120}.nav-item:hover>.mega-panel,.nav-item:focus-within>.mega-panel,.nav-trigger[aria-expanded=true]+.mega-panel{display:block}.mega-grid{display:grid;grid-template-columns:repeat(3,1fr) 1.1fr;gap:var(--space-xl);align-items:start}.mega-col h3{font-family:var(--font-body);font-size:var(--fs-eyebrow);text-transform:uppercase;letter-spacing:var(--ls-eyebrow);color:var(--color-text-muted);font-weight:var(--fw-semibold);margin-bottom:var(--space-sm)}.mega-col ul{list-style:none;padding:0}.mega-col li+li{margin-top:var(--space-2xs)}.mega-col a{display:block;padding:var(--space-xs) var(--space-sm);border-radius:var(--radius-sm);color:var(--color-text);font-weight:var(--fw-medium)}.mega-col a:hover{background:var(--color-surface);color:var(--color-link);text-decoration:none}.mega-col a .sub{display:block;font-size:var(--fs-small);font-weight:var(--fw-body);color:var(--color-text-muted)}.mega-featured{background:var(--color-surface);border-radius:var(--radius-md);overflow:hidden}.mega-featured img{width:100%;height:8rem;object-fit:cover}.mega-featured .body{padding:var(--space-md)}.mega-featured .tag{font-size:var(--fs-eyebrow);text-transform:uppercase;letter-spacing:var(--ls-eyebrow);color:var(--color-text-muted)}.mega-featured .pct{font-family:var(--font-display);font-weight:var(--fw-display);color:var(--spa-navy)}.mega-bottom{display:flex;align-items:center;justify-content:space-between;gap:var(--space-md);margin-top:var(--space-lg);padding-top:var(--space-md);border-top:1px solid var(--color-border)}.mega-bottom .loss{color:var(--color-text);font-weight:var(--fw-semibold)}.mega-bottom .loss a{color:var(--color-link)}.nav-toggle{display:inline-flex;align-items:center;gap:.5em;margin-inline-start:auto;background:transparent;border:1px solid rgba(255,255,255,.4);color:var(--color-on-dark);border-radius:var(--radius-md);padding:var(--space-xs) var(--space-sm);font-weight:var(--fw-semibold);cursor:pointer}@media(min-width:1024px){.nav-toggle{display:none}}.mobile-nav{display:none;background:var(--spa-navy);color:var(--color-on-dark);border-top:1px solid rgba(255,255,255,.12)}.mobile-nav[data-open=true]{display:block}.mobile-nav .container{padding-block:var(--space-md)}.m-actions{display:grid;gap:var(--space-sm);margin-bottom:var(--space-md)}.m-loss{display:flex;align-items:center;justify-content:space-between;padding:var(--space-sm) 0;border-bottom:1px solid rgba(255,255,255,.12)}.m-loss 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.story{color:var(--color-text);font-size:var(--fs-body)}.case-card .foot{margin-top:auto;padding-top:var(--space-sm)}.hero{background:var(--spa-navy);color:var(--color-on-dark);padding-block:var(--space-4xl)}.hero .display{color:var(--color-on-dark);max-width:20ch;margin-bottom:var(--space-lg)}.hero p{color:#ffffffe0;max-width:52ch}.hero p+p{margin-top:var(--space-sm)}.hero .actions{display:flex;flex-wrap:wrap;gap:var(--space-md);margin-top:var(--space-xl);align-items:center}.trust-strip{display:flex;flex-wrap:wrap;gap:var(--space-md);margin-top:var(--space-2xl);font-size:var(--fs-small);color:#ffffffc7}.trust-strip span{display:inline-flex;align-items:center}.trust-strip span+span:before{content:"·";margin-inline-end:var(--space-md);color:#fff6}.mega-panel:before{content:"";position:absolute;top:calc(-1 * var(--space-xs) - 1px);left:0;right:0;height:calc(var(--space-xs) + 2px)}.brand img{height:3.25rem}.header-bar{min-height:5.25rem}.site-footer .footer-brand img{height:2.5rem}.brand img{height:4.0625rem}.header-bar{min-height:6rem}.site-footer .footer-brand img{height:3.125rem}.hero--home{background-image:linear-gradient(#13273dd1,#13273de6),url(/images/home-hero.webp);background-size:cover;background-position:center}.hero--home .hero-grid{display:grid;gap:var(--space-2xl);align-items:center}@media(min-width:960px){.hero--home .hero-grid{grid-template-columns:1.1fr .9fr;gap:var(--space-4xl)}}.hero-portrait{display:none}@media(min-width:960px){.hero-portrait{display:block;position:relative}}.hero-portrait img{width:100%;max-width:400px;height:auto;display:block;margin-inline:auto;border-radius:var(--radius-xl);box-shadow:var(--shadow-lg)}.hero-portrait__cap{position:absolute;left:50%;transform:translate(-50%);bottom:-.85rem;background:var(--spa-blue-deep);color:#fff;font-size:var(--fs-small);font-weight:var(--fw-semibold);padding:.4rem 1rem;border-radius:var(--radius-pill);white-space:nowrap;box-shadow:var(--shadow-md)}.stat-strip{background:var(--color-surface);border-bottom:1px solid var(--color-border)}.stat-strip .container{display:grid;grid-template-columns:repeat(2,1fr);gap:var(--space-xl) var(--space-md);padding-block:var(--space-2xl)}@media(min-width:760px){.stat-strip .container{grid-template-columns:repeat(5,1fr)}}.stat{text-align:center}.stat .num{display:block;font-family:var(--font-display);font-weight:var(--fw-display);font-size:var(--fs-h1);color:var(--spa-navy);line-height:1}.stat .cap{display:block;font-size:var(--fs-small);color:var(--color-text-muted);margin-top:var(--space-xs)}.hero--home .hero-grid{display:block}.hero--home .hero-home__inner{max-width:62ch;margin-inline:auto;text-align:center}.hero--home .display{max-width:none;margin-inline:auto}.hero--home .lead{margin-inline:auto;max-width:56ch}.hero--home .hero-home__inner>p{margin-inline:auto}.hero--home .actions{justify-content:center}.hero-portrait{display:none!important}.peril-grid{display:grid;gap:var(--space-2xl);align-items:start}@media(min-width:960px){.peril-grid{grid-template-columns:minmax(0,1fr) 20rem;gap:var(--space-3xl)}}.peril-main{max-width:42rem}.peril-main>.stack,.peril-main.stack>*+*{margin-top:var(--space-2xl)}.peril-main h2{margin-bottom:var(--space-sm)}.claim-figure{margin:0}.claim-figure img{width:100%;height:auto;border-radius:var(--radius-lg);box-shadow:var(--shadow-md);display:block}.claim-figure figcaption{font-size:var(--fs-small);color:var(--color-text-muted);margin-top:var(--space-sm);font-style:italic}.pullquote{margin:0;padding:var(--space-md) 0 var(--space-md) var(--space-lg);border-left:4px solid var(--spa-blue-deep);font-family:var(--font-display);font-size:var(--fs-h3);line-height:1.3;color:var(--spa-navy)}.chart-card{margin:0;background:var(--color-surface);border:1px solid var(--color-border);border-radius:var(--radius-lg);padding:var(--space-xl)}.chart-title{font-family:var(--font-display);font-weight:var(--fw-display);font-size:var(--fs-h4);color:var(--spa-navy);margin-bottom:var(--space-md)}.chart-rows{display:flex;flex-direction:column;gap:var(--space-sm)}.chart-row{display:grid;grid-template-columns:1fr;gap:4px}@media(min-width:560px){.chart-row{grid-template-columns:15rem 1fr;align-items:center;gap:var(--space-md)}}.chart-label{font-size:var(--fs-small);font-weight:var(--fw-medium);color:var(--color-text)}.chart-bar{display:block;height:14px;background:var(--spa-gray-200);border-radius:var(--radius-pill);overflow:hidden}.chart-fill{display:block;height:100%;background:linear-gradient(90deg,var(--spa-blue-deep),var(--spa-navy));border-radius:var(--radius-pill)}.chart-note{font-size:var(--fs-small);color:var(--color-text-muted);margin-top:var(--space-md);font-style:italic}.peril-aside{position:static}@media(min-width:960px){.peril-aside{position:sticky;top:7rem}}.action-card{background:var(--spa-navy);color:var(--color-on-dark);border-radius:var(--radius-lg);padding:var(--space-xl);box-shadow:var(--shadow-lg)}.action-card h3{color:var(--spa-white);font-size:var(--fs-h3);margin-bottom:var(--space-sm)}.action-card p{color:#ffffffd9;margin-bottom:var(--space-lg)}.mini-steps{list-style:none;padding:0;margin:var(--space-lg) 0 0;display:flex;flex-direction:column;gap:var(--space-sm)}.mini-steps li{display:flex;align-items:center;gap:var(--space-sm);font-size:var(--fs-small);color:#ffffffe6}.mini-steps li span{flex:0 0 auto;width:1.4rem;height:1.4rem;border-radius:999px;background:var(--spa-blue-deep);color:#fff;display:inline-flex;align-items:center;justify-content:center;font-weight:var(--fw-semibold);font-size:var(--fs-small)}.aside-badges{display:flex;flex-wrap:wrap;align-items:center;justify-content:center;gap:var(--space-sm);margin-top:var(--space-lg);padding-top:var(--space-md);border-top:1px solid rgba(255,255,255,.14);font-size:var(--fs-small);color:#ffffffd1}.aside-badges .bbb{background:transparent;padding:0;border-radius:0;height:53px;width:auto}.aside-badges span{flex-basis:100%;text-align:center}.aside-badges img{border-radius:6px;background:#fff;padding:2px}.aside-badges b{color:#fff}.season-chart{margin:0}.season-bars{display:grid;grid-template-columns:repeat(12,1fr);gap:var(--space-xs);align-items:end;height:200px;margin-top:var(--space-md)}.season-col{display:flex;flex-direction:column;align-items:center;justify-content:flex-end;height:100%;gap:var(--space-xs)}.season-bar{display:block;width:100%;max-width:2.2rem;border-radius:var(--radius-sm) var(--radius-sm) 0 0;background:var(--spa-blue);min-height:4px}.season-bar[data-winter=true]{background:linear-gradient(180deg,var(--spa-blue-deep),var(--spa-navy))}.season-m{font-size:var(--fs-small);color:var(--color-text-muted)}.key{display:inline-block;width:12px;height:12px;border-radius:3px;vertical-align:middle;margin-right:4px}.key--winter{background:var(--spa-navy)}.key--other{background:var(--spa-blue)}.infographic{margin:0;background:var(--color-surface);border:1px solid var(--color-border);border-radius:var(--radius-lg);overflow:hidden}.infographic>img{width:100%;height:auto;display:block;background:var(--spa-navy)}.infographic-body{padding:var(--space-xl)}.infographic-body h3{font-size:var(--fs-h3);color:var(--spa-navy);margin-bottom:var(--space-xs)}.infographic-intro{color:var(--color-text);margin-bottom:var(--space-lg);max-width:60ch}.infographic-legend{list-style:none;padding:0;margin:0;display:grid;gap:var(--space-md);grid-template-columns:1fr}@media(min-width:720px){.infographic-legend{grid-template-columns:1fr 1fr;gap:var(--space-md) var(--space-xl)}}.infographic-legend li{display:flex;gap:var(--space-sm);font-size:var(--fs-small);color:var(--color-text);line-height:1.5}.ig-n{flex:0 0 auto;width:1.6rem;height:1.6rem;border-radius:999px;background:var(--spa-blue-deep);color:#fff;display:inline-flex;align-items:center;justify-content:center;font-weight:var(--fw-semibold);font-size:var(--fs-small)}.infographic-legend b{color:var(--spa-navy)}.hero--video{position:relative;overflow:hidden}.hero--video .hero-video{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:0}.hero--video .hero-video__scrim{position:absolute;inset:0;z-index:1;background:linear-gradient(#13273dc7,#13273de6)}.hero--video>.container{position:relative;z-index:2}@media(prefers-reduced-motion:reduce){.hero--video .hero-video,.hero--video .hero-video__scrim{display:none}}.footer-badges[data-astro-cid-sz7xmlte]{display:flex;align-items:center;gap:var(--space-xl);flex-wrap:wrap;margin-top:var(--space-2xl);padding-top:var(--space-xl);border-top:1px solid rgba(255,255,255,.14)}.cred-badge[data-astro-cid-sz7xmlte]{display:block;height:72px;width:auto}.bbb-badge[data-astro-cid-sz7xmlte]{display:inline-flex;align-items:stretch;border-radius:var(--radius-md);overflow:hidden;text-decoration:none;background:#fff}.bbb-badge[data-astro-cid-sz7xmlte]:hover{text-decoration:none;box-shadow:0 0 0 2px #ffffff59}.bbb-mark[data-astro-cid-sz7xmlte]{display:flex;align-items:center;justify-content:center;background:#0a5091;color:#fff;font-family:var(--font-display);font-weight:700;font-size:1.35rem;letter-spacing:.02em;padding:0 .7rem}.bbb-txt[data-astro-cid-sz7xmlte]{display:flex;flex-direction:column;justify-content:center;padding:.35rem .8rem;line-height:1.2}.bbb-txt[data-astro-cid-sz7xmlte] b[data-astro-cid-sz7xmlte]{color:#0a5091;font-size:.82rem}.bbb-txt[data-astro-cid-sz7xmlte] span[data-astro-cid-sz7xmlte]{color:#14181c;font-size:.78rem}.footer-social[data-astro-cid-sz7xmlte]{display:flex;gap:var(--space-xs);list-style:none;padding:0;margin:0;align-items:center}.footer-social[data-astro-cid-sz7xmlte] a[data-astro-cid-sz7xmlte]{display:inline-flex;align-items:center;justify-content:center;width:32px;height:32px;border-radius:999px;color:#ffffffb8;background:#ffffff14;transition:color .15s,background .15s}.footer-social[data-astro-cid-sz7xmlte] a[data-astro-cid-sz7xmlte]:hover{color:#fff;background:#ffffff2e}