.wpw { --navy:#0c2733; --text:#3e2e2d; --muted:#776d79; --line:#e1e1e1; --pink:#ff6485;
  --pink-dark:#e85878; --pink-text:#c93d5c; --pink-light:#ffebf0; --pink-wash:#fff5f8; --cream:#fbf6ea; }

.wpw-hero { position: relative; overflow: hidden; background: var(--pink-wash); padding: 88px 24px 72px; }
.wpw-hero__swirl { position: absolute; right: -120px; bottom: -40px; width: 720px; height: 220px;
  background: url("/static/images/decorative/pink-horizontal-swirl.8f2683130f75.png") center / contain no-repeat; opacity: .75; pointer-events: none; }
.wpw-hero__inner { position: relative; max-width: 1040px; margin: 0 auto; }
.wpw-hero .eyebrow { color: var(--pink-text); margin: 0 0 16px; }
.wpw-hero__heading { font-size: 64px; line-height: 1.05; font-weight: 500; letter-spacing: -0.02em; color: var(--navy); margin: 0 0 20px; }
.wpw-hero__heading .accent-script { color: var(--pink-dark); font-size: 64px; line-height: 1.05; }
.wpw-hero__subtitle { font-size: 22px; line-height: 1.35; color: var(--navy); max-width: 640px; margin: 0 0 28px; }
.wpw-hero__byline { font-size: 15px; line-height: 1.55; color: var(--muted); margin: 0 0 28px; }
.wpw-hero__byline strong { color: var(--navy); font-weight: 600; }

.wpw-layout { max-width: 1088px; margin: 0 auto; padding: 56px 24px 96px; display: grid;
  grid-template-columns: 240px minmax(0, 720px); gap: 64px; }
.wpw-toc { position: sticky; top: 96px; align-self: start; max-height: calc(100vh - 120px); overflow: auto; }
.wpw-toc .eyebrow { margin: 0 0 12px; }
.wpw-toc ol { list-style: none; margin: 0; padding: 0; border-left: 2px solid var(--pink-light); }
.wpw-toc a { display: block; padding: 5px 0 5px 14px; font-size: 14px; line-height: 1.4; color: var(--text); text-decoration: none; }
.wpw-toc a:hover, .wpw-toc a:focus-visible { color: var(--pink-text); }

.wpw-article { font-size: 17px; line-height: 1.65; color: var(--text); }
.wpw-article p { margin: 0 0 18px; }
.wpw-article strong { font-weight: 600; color: var(--navy); }
.wpw-article a { color: var(--pink-text); text-decoration: underline; text-decoration-color: #f4c9d4; text-underline-offset: 3px; }
.wpw-article .wp-eyebrow { font-family: var(--font-label, Raleway), sans-serif; font-size: 13px; line-height: 22px; font-weight: 600;
  letter-spacing: .12em; text-transform: uppercase; color: var(--pink-text); margin: 0 0 8px; }
.wpw-article .wp-section { scroll-margin-top: 96px; }
.wpw-article .wp-section + .wp-section { margin-top: 64px; }
.wpw-article .wp-h1 { font-size: 36px; line-height: 1.15; font-weight: 400; letter-spacing: -0.02em; color: var(--navy);
  margin: 0 0 24px; padding-bottom: 16px; border-bottom: 2px solid var(--pink-light); }
.wpw-article .wp-h3 { font-size: 20px; line-height: 1.3; font-weight: 600; letter-spacing: -0.01em; color: var(--navy); margin: 32px 0 10px; }
.wpw-article .wp-finding { font-size: 22px; line-height: 1.3; font-weight: 500; letter-spacing: -0.015em; color: var(--navy);
  margin: 40px 0 14px; padding-left: 16px; border-left: 4px solid var(--pink); }
.wpw-article .wp-keywords { font-size: 14px; color: var(--muted); }

.wpw-article .wp-stats { position: relative; overflow: hidden; background: var(--cream); border-radius: 12px; padding: 28px; margin: 32px 0; }
.wpw-article .wp-stats__swirl { position: absolute; width: 180px; height: 90px; background: center / contain no-repeat; opacity: .8; }
.wpw-article .wp-stats__swirl--top { top: -10px; right: -12px; background-image: url("/static/images/decorative/insurance-top-swirl.91162277fed0.webp"); }
.wpw-article .wp-stats__swirl--btm { bottom: -12px; left: -14px; background-image: url("/static/images/decorative/insurance-btm-swirl.f653494778e1.webp"); }
.wpw-article .wp-stats__list { position: relative; list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.wpw-article .wp-stat { display: flex; flex-direction: column; gap: 6px; }
.wpw-article .wp-stat__num { font-size: 34px; line-height: 1; font-weight: 500; letter-spacing: -0.02em; color: var(--pink-text); }
.wpw-article .wp-stat__label { font-size: 14px; line-height: 1.4; }

.wpw-article .wp-table { margin: 32px 0; }
.wpw-article .wp-table__cap { display: flex; flex-wrap: wrap; gap: 4px 10px; align-items: baseline; margin-bottom: 10px; }
.wpw-article .wp-table__cap .wp-eyebrow { margin: 0; }
.wpw-article .wp-table__title { font-weight: 600; color: var(--navy); font-size: 17px; }
.wpw-article .wp-table__scroll { overflow-x: auto; border: 2px solid var(--pink-light); border-radius: 12px; }
.wpw-article table { width: 100%; border-collapse: collapse; font-size: 14px; line-height: 1.45; }
.wpw-article th, .wpw-article td { text-align: left; vertical-align: top; padding: 10px 12px; border-top: 1px solid var(--line); }
.wpw-article thead th { background: var(--pink-wash); border-top: 0; font-family: Raleway, sans-serif; font-size: 11px; font-weight: 700;
  letter-spacing: .08em; text-transform: uppercase; color: var(--navy); }
.wpw-article tbody th { font-weight: 600; color: var(--navy); }
.wpw-article .num { text-align: right; font-variant-numeric: tabular-nums; white-space: nowrap; }
.wpw-article .wp-table__qual { display: block; font-weight: 400; color: var(--muted); font-size: 13px; }
.wpw-article tr.wp-total th, .wpw-article tr.wp-total td { background: var(--cream); }
.wpw-article .wp-table--results table { min-width: 720px; }
.wpw-article .wp-table__note { font-size: 13px; line-height: 1.5; color: var(--muted); margin: 10px 0 0; }

.wpw-article .wp-figure { margin: 32px 0; scroll-margin-top: 96px; }
.wpw-article .wp-chart { display: block; width: 100%; height: auto; }
.wpw-article .wp-figure figcaption { font-size: 14px; line-height: 1.5; color: var(--muted); margin-top: 10px; }
.wpw-article .wp-ref { font-size: 15px; line-height: 1.55; padding-left: 24px; text-indent: -24px; margin-bottom: 10px; }

@media (max-width: 900px) {
  .wpw-layout { grid-template-columns: minmax(0, 1fr); gap: 32px; padding-top: 32px; }
  .wpw-toc { position: static; max-height: none; }
  .wpw-hero { padding: 56px 20px 48px; }
  .wpw-hero__heading, .wpw-hero__heading .accent-script { font-size: 44px; }
  .wpw-hero__subtitle { font-size: 19px; }
  .wpw-article .wp-stats__list { grid-template-columns: repeat(2, 1fr); }
  .wpw-article .wp-h1 { font-size: 30px; }
}

@media (max-width: 600px) {
  .wpw-hero__swirl { display: none; }
  .wpw-article .wp-figure { overflow-x: auto; }
  .wpw-article .wp-chart { min-width: 560px; }
  .wpw-article .wp-figure figcaption { position: sticky; left: 0; }
}

.wpw { --text: #776d79; }
.wpw-hero .eyebrow, .wpw-article .wp-eyebrow { color: var(--navy); }
.wpw-article .wp-table__cap .wp-eyebrow { color: #846c30; }

.wpw-article .wp-h1 { font-size: 42px; line-height: 50px; font-weight: 400; letter-spacing: -0.03em; }
.wpw-article .wp-stats { border: 2px solid #f6edd6; }

@media (max-width: 900px) {
  .wpw-article .wp-h1 { font-size: 32px; line-height: 38px; }
}