/* HNA NOW 2.1.2 - public questionnaire only. No third-party fonts or trackers. */
.public-layout{background:linear-gradient(165deg,#f7fbff 0%,#eff6fd 66%,#f9fbff 100%);color:#14294a}
.public-head{max-width:none;padding:16px clamp(20px,3.4vw,52px);box-shadow:0 3px 15px rgba(19,48,84,.04);border-bottom:1px solid #e1eaf3}
.public-head .public-brand img{width:290px;max-width:56vw;height:auto;max-height:62px}
.public-head>a:last-child{color:#4a6381;text-decoration:none;border:1px solid #d9e7f4;border-radius:25px;padding:8px 15px;font-size:12px;font-weight:700}
.public-head>a:last-child:hover{background:#eff7ff;color:#0c59a3}
.public-main{max-width:1530px;padding:22px clamp(16px,2.4vw,40px) 72px}
.hn-intake{--hn-ink:#0b2a56;--hn-blue:#077ac0;--hn-accent:#17a4bc;--hn-mute:#657894;--hn-border:#dce7f1;--hn-shadow:0 8px 26px rgba(10,48,84,.045);color:#273e5c;font-size:13px;line-height:1.53}
.hn-intake *{box-sizing:border-box}
.hn-visually-hidden{clip:rect(0,0,0,0);clip-path:inset(50%);height:1px;overflow:hidden;position:absolute;white-space:nowrap;width:1px}
.hn-intro{display:grid;grid-template-columns:minmax(0,1.3fr) minmax(380px, .9fr);align-items:center;gap:22px;margin-bottom:18px}
.hn-intro-copy{padding:12px 3px}
.hn-overline{display:inline-flex;font-weight:850;letter-spacing:.115em;font-size:10px;color:#087f9f;text-transform:uppercase;margin-bottom:10px}
.hn-intro h1{font-size:clamp(25px,2.75vw,40px);line-height:1.13;letter-spacing:-.037em;margin:0 0 10px;color:#0b2a56;font-weight:850;max-width:700px}
.hn-intro p{color:#647a98;font-size:clamp(12px,1.1vw,15px);margin:0;max-width:710px}
.hn-agent-card{display:grid;grid-template-columns:90px minmax(0,1fr) 135px;gap:14px;align-items:center;min-height:155px;background:white;border:1px solid var(--hn-border);border-radius:16px;padding:13px;box-shadow:var(--hn-shadow)}
.hn-agent-portrait{background:linear-gradient(145deg,#d5effc,#e4f0fb);height:127px;width:90px;border-radius:11px;display:grid;place-items:center;overflow:hidden;color:#0d6297;font-size:27px;font-weight:850}
.hn-agent-avatar{height:100%;width:100%;object-fit:cover;object-position:center 24%}
.hn-agent-details{display:flex;flex-direction:column;justify-content:center;gap:3px;min-width:0}
.hn-agent-eyebrow{font-size:9px;font-weight:850;letter-spacing:.075em;color:#718cac}
.hn-agent-name{font-size:19px;color:#064176;line-height:1.12;letter-spacing:-.025em}
.hn-agent-agency{color:#6f8299;font-size:11px;margin:0 0 2px}
.hn-agent-link{display:inline-flex;align-items:center;gap:8px;color:#176093;text-decoration:none;font-size:11.5px;min-width:0;line-height:1.4}
.hn-agent-link span{overflow-wrap:anywhere}
.hn-agent-link svg{flex-shrink:0;color:#087bb8}
.hn-agent-link:hover{color:#064b9b;text-decoration:underline}
.hn-agent-note{height:100%;display:flex;justify-content:center;align-items:center;flex-direction:column;gap:9px;background:linear-gradient(150deg,#eef8ff,#e4f2ff);border-radius:12px;text-align:center;color:#147bb1;font-size:10px;font-weight:800;letter-spacing:.06em;padding:12px}
.hn-agent-note span{font:italic 17px/1.32 'Segoe Print','Comic Sans MS',cursive;letter-spacing:0;transform:rotate(-4deg);color:#0761b0}
.hn-progress-nav{display:flex;justify-content:space-between;gap:8px;align-items:center;margin:16px 2px 22px}
.hn-progress-link{color:#7586a0;display:flex;align-items:center;gap:9px;font-size:11px;font-weight:700;min-width:0;text-decoration:none}
.hn-progress-link:not(:last-child):after{content:'';height:1px;background:#c9d8e9;min-width:16px;width:clamp(16px,3vw,65px);margin-left:9px}
.hn-progress-number{width:29px;height:29px;display:grid;place-items:center;border-radius:50%;border:1px solid #d6e1ee;background:#e9eff6;color:#5a7696;font-weight:850;flex:none}
.hn-progress-link.is-current{color:#086caa}.hn-progress-link.is-current .hn-progress-number{color:white;background:#0876ba;border-color:#0876ba}
.hn-progress-link.is-disabled{opacity:.5;cursor:default}.hn-progress-link:not(.is-disabled):hover{color:#0069ab;text-decoration:none}
.hn-choices{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:15px;margin-bottom:17px}
.hn-coverage-option{position:relative;min-height:212px;background:white;border:1px solid #dfe9f2;border-radius:15px;display:flex;align-items:stretch;overflow:hidden;isolation:isolate;box-shadow:var(--hn-shadow);transition:border-color .16s,box-shadow .16s,transform .16s;color:inherit;text-decoration:none}
.hn-coverage-option:focus-visible{outline:3px solid #009bce;outline-offset:3px}
.hn-coverage-option:hover{border-color:#76bddc;box-shadow:0 7px 22px #0c589317;transform:translateY(-1px);text-decoration:none;color:inherit}
.hn-coverage-option.is-selected{border:2px solid #168ae1;box-shadow:0 0 0 1px #a8d8ff,0 7px 22px #0c589315}
.hn-coverage-option img{position:absolute;top:0;right:0;width:43%;height:100%;object-fit:cover;object-position:center 26%;z-index:-1}
.hn-coverage-option:after{content:'';position:absolute;inset:0 0 0 41%;background:linear-gradient(90deg,white 0%,rgba(255,255,255,.88) 10%,rgba(255,255,255,0) 63%);pointer-events:none;z-index:-1}
.hn-option-copy{position:relative;z-index:1;padding:20px 16px 16px 21px;max-width:72%;display:flex;flex-direction:column;gap:2px}
.hn-option-title{display:flex;align-items:center;gap:11px}.hn-option-title h3{font-size:clamp(16px,1.6vw,24px);line-height:1.13;margin:0;color:#07356c;white-space:nowrap}
.hn-choice-radio{width:26px;height:26px;border:1.5px solid #9cafc1;border-radius:50%;background:#fff;flex:none;display:grid;place-items:center}
.hn-coverage-option.is-selected .hn-choice-radio{border:2px solid #087bca}.hn-coverage-option.is-selected .hn-choice-radio:after{content:'';width:14px;height:14px;background:#087bca;border-radius:50%}
.hn-option-copy p{color:#536986;font-size:12px;max-width:360px;line-height:1.44;margin:6px 0}
.hn-option-copy ul{padding:0;margin:9px 0 6px;list-style:none;display:grid;gap:6px;color:#5b6c81;font-size:11px}
.hn-option-copy li{display:flex;gap:8px;align-items:center;line-height:1.23}
.hn-option-copy li span{height:17px;width:17px;flex:none;border-radius:50%;color:white;background:#20a4aa;font-size:11px;font-weight:900;display:grid;place-items:center}
.hn-option-action{color:#086daa;font-size:11px;font-weight:850;margin:7px 0 0 37px}
.hn-start-note,.hn-staging,.hn-error{border:1px solid #bfddec;background:#eef9fe;color:#265573;padding:15px 19px;border-radius:12px;margin:15px 0}
.hn-start-note p{margin:5px 0 0}.hn-staging{background:#fff7e9;border-color:#ecd3a2;color:#895d23}.hn-error{background:#fff1f2;border-color:#f5c9d0;color:#962b3d}
.hn-form{background:white;border:1px solid var(--hn-border);border-radius:17px;padding:18px;box-shadow:var(--hn-shadow)}
.hn-honeypot{position:absolute!important;left:-10000px!important;width:1px!important;height:1px!important;opacity:0!important}
.hn-form-heading{display:flex;align-items:center;justify-content:space-between;gap:15px;padding:0 5px 14px;border-bottom:1px solid #e4edf5}
.hn-form-heading .hn-overline{margin:0 0 4px}.hn-form-heading h2{font-size:clamp(18px,1.7vw,23px);color:#072f67;margin:0}
.hn-form-heading p{font-size:11.5px;color:#74849a;margin:4px 0 0}
.hn-form-heading-icon{border-radius:9px;background:#eef8fc;color:#447a9c;padding:9px 11px;font-size:11px;font-weight:700;display:flex;align-items:center;gap:8px}
.hn-form-section{scroll-margin-top:25px;background:#fff;border:1px solid #e4edf5;border-radius:12px;padding:18px;margin-top:13px}
.hn-section-heading{display:flex;align-items:center;gap:12px;margin-bottom:14px}
.hn-section-icon{height:37px;width:37px;flex:none;display:grid;place-items:center;border-radius:11px;color:#1179ba;background:#eaf5ff}
.hn-section-heading h3{font-size:16px;letter-spacing:-.02em;margin:0;color:#0b4f85}.hn-section-heading p{font-size:11.5px;color:#77879a;margin:1px 0 0}
.hn-fields{display:grid;gap:14px 15px;margin-bottom:12px}.hn-fields-4{grid-template-columns:repeat(4,minmax(0,1fr))}.hn-fields-3{grid-template-columns:repeat(3,minmax(0,1fr))}.hn-fields-2{grid-template-columns:repeat(2,minmax(0,1fr))}.hn-fields-1{grid-template-columns:minmax(0,1fr)}
.hn-field{min-width:0;margin:0;color:#2b3d5b;font-size:11px;font-weight:750;display:block}
.hn-field-name{display:flex;align-items:center;gap:7px;min-height:22px}
.hn-required{color:#c13f4a;font-size:13px;font-weight:900}.hn-optional{background:#e9f3ff;color:#1769a1;padding:2px 7px;border-radius:6px;font-size:9px;letter-spacing:0;font-weight:700;white-space:nowrap}
.hn-field input,.hn-field select,.hn-fields>label input,.hn-fields>label select,.hn-fields textarea{min-height:42px;margin-top:5px!important;font-size:12px!important;border-radius:7px!important;border-color:#cbd8e7!important;box-shadow:none!important;padding:10px 12px!important;width:100%;background:#fff!important}
.hn-field input:focus,.hn-fields input:focus,.hn-fields select:focus{border-color:#108cbe!important;box-shadow:0 0 0 3px #108cbe22!important}
.hn-field input::placeholder{color:#93a3b7}
.hn-repeat-block{margin:15px 0;padding:14px 15px 12px;border:1px solid #e4edf5;background:#fafcff;border-radius:11px}
.hn-repeat-block h4{font-size:12px;margin:0 0 11px;color:#104f80;display:flex;gap:10px;align-items:center}
.hn-repeat-block .repeat-row{padding:11px 11px 0;background:#fff;border-color:#dce7f2}
.hn-repeat-block .repeat-row .formgrid{padding-top:22px}
.hn-repeat-block .repeat-row label{font-size:10px;color:#516783}
.hn-repeat-block .repeat-row input{font-size:11px;min-height:39px}
.hn-repeat-block .btn-outline{font-size:11px;padding:7px 11px;border-color:#bcd9ed;color:#176ca6}
.hn-repeat-block .btn-danger{background:#fdf2f1;color:#ad4551;padding:5px 7px;font-size:10px;border-color:#f3d4d9}
.hn-hint{padding:11px 14px;border-radius:9px;background:#edf8fc;color:#45667f;font-size:11px;margin-bottom:15px}
.hn-preferences-grid{display:grid;grid-template-columns:minmax(0,1.4fr) minmax(260px,.7fr);gap:17px}
.hn-interest-box{border:1px solid #e1eaf5;border-radius:11px;padding:14px;margin:0 0 13px;background:#fdfefe}
.hn-interest-list{border:0;margin:0;padding:0}.hn-interest-list legend{margin-bottom:10px;font-size:12px;font-weight:800;color:#2c4665}
.hn-interest-list legend span{font-weight:400;font-size:11px;color:#7b8ba1}
.hn-interest{display:flex;align-items:center;gap:10px;font-size:12px;font-weight:550;color:#50647e;cursor:pointer;margin:0 0 10px}
.hn-interest input{width:18px;height:18px;min-width:18px;accent-color:#087db7}
.hn-help-card{background:linear-gradient(150deg,#edfafa,#eaf5fa);border:1px solid #d6edf0;border-radius:12px;padding:12px 17px;display:flex;flex-direction:column;justify-content:space-evenly}
.hn-help-item{display:flex;gap:13px;align-items:flex-start;padding:13px 0;color:#067e8c}
.hn-help-item+.hn-help-item{border-top:1px solid #b6d9df}.hn-help-item svg{flex:none}
.hn-help-item strong{font-size:12px;color:#085e74}.hn-help-item p{font-size:11px;line-height:1.5;margin:5px 0 0;color:#60788e}
.hn-step-actions,.hn-submit-actions{display:flex;justify-content:space-between;gap:10px;align-items:center;margin-top:17px}
.hn-step-actions:not(:has(.hn-btn-outline)){justify-content:flex-end}
.hn-btn{border-radius:9px;padding:10px 16px;min-height:41px;display:inline-flex;align-items:center;justify-content:center;text-align:center;font-size:12px;font-weight:800;text-decoration:none;cursor:pointer}
.hn-btn-primary{background:linear-gradient(110deg,#0876be,#0966ab);color:white;border:1px solid #0a76b6}
.hn-btn-primary:hover{background:#07599d;color:white;text-decoration:none}.hn-btn-outline{background:white;border:1px solid #75acd2;color:#075d97}
.hn-btn-outline:hover{background:#eef8ff;text-decoration:none;color:#074b7f}
.hn-review{background:#fbfdff}.hn-consent-box{border:1px solid #d8e7f5;background:#f5faff;border-radius:10px;padding:16px}
.hn-consent-box p{margin:0 0 14px;font-size:12px;color:#5f7690}.hn-consent{display:flex;gap:10px;font-size:12px;align-items:flex-start;font-weight:600;margin:0;color:#304f6a}
.hn-consent input{margin-top:3px;min-width:18px;height:18px;accent-color:#0784ba}
.public-layout footer{max-width:unset;text-align:center;color:#8091a5}
@media(max-width:1300px){.hn-intro{grid-template-columns:minmax(0,1fr) minmax(350px,.85fr)}.hn-agent-card{grid-template-columns:75px minmax(0,1fr);padding:11px}.hn-agent-portrait{height:112px;width:75px}.hn-agent-note{display:none}.hn-option-copy{max-width:77%}.hn-coverage-option img{width:44%}.hn-option-title h3{white-space:normal}}
@media(max-width:1010px){.hn-intro{grid-template-columns:1fr}.hn-agent-card{max-width:660px;grid-template-columns:86px 1fr 130px}.hn-agent-portrait{width:86px}.hn-agent-note{display:flex}.hn-coverage-option{min-height:235px}.hn-option-copy{max-width:82%}.hn-coverage-option img{width:44%}.hn-option-copy ul{font-size:10px}.hn-progress-link:not(:last-child):after{width:14px;min-width:8px}.hn-fields-4{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:750px){.public-main{padding:20px 14px 50px}.hn-choices{grid-template-columns:1fr}.hn-coverage-option{min-height:205px}.hn-option-copy{max-width:74%}.hn-progress-nav{gap:4px}.hn-progress-link{font-size:0;gap:0}.hn-progress-number{font-size:11px}.hn-progress-link:not(:last-child):after{width:40px;min-width:10px;margin:0 12px}.hn-preferences-grid{grid-template-columns:1fr}.hn-agent-card{max-width:none}.hn-form-heading-icon{display:none}}
@media(max-width:530px){.public-head{padding:14px 14px}.public-head .public-brand img{max-width:54vw}.hn-intro h1{font-size:28px}.hn-agent-card{grid-template-columns:71px minmax(0,1fr);padding:10px;gap:10px}.hn-agent-portrait{width:71px;height:104px}.hn-agent-note{display:none}.hn-agent-name{font-size:16px}.hn-agent-link{font-size:10px}.hn-coverage-option{min-height:195px}.hn-coverage-option img{width:46%}.hn-option-copy{max-width:83%;padding:14px 8px 14px 14px}.hn-option-title{gap:7px}.hn-option-title h3{font-size:18px}.hn-choice-radio{width:20px;height:20px}.hn-coverage-option.is-selected .hn-choice-radio:after{width:11px;height:11px}.hn-option-copy p{font-size:10.5px;max-width:240px}.hn-option-copy ul{font-size:9.8px;gap:5px;margin:5px 0}.hn-option-copy li span{height:14px;width:14px;font-size:9px}.hn-option-action{font-size:10px;margin-left:26px}.hn-form{padding:10px}.hn-form-section{padding:13px 12px}.hn-fields-4,.hn-fields-3,.hn-fields-2{grid-template-columns:1fr}.hn-repeat-block .repeat-row .formgrid{grid-template-columns:1fr;gap:0}.hn-repeat-block .repeat-row label{margin-bottom:9px}.hn-step-actions,.hn-submit-actions{flex-wrap:wrap;justify-content:stretch}.hn-btn{flex:1;min-width:150px}.hn-progress-link:not(:last-child):after{width:17px;margin:0 7px}}
@media(prefers-reduced-motion:reduce){.hn-coverage-option{transition:none}html{scroll-behavior:auto}}

/* v2.1.10: neither public coverage questionnaire is chosen by default. */
.hn-choose-first{background:#eaf5ff;border:1px solid #beddf8;border-radius:14px;padding:18px 20px;margin:20px 0 14px;color:#0a3c67}
.hn-choose-first h2{font-size:clamp(18px,2vw,24px);margin:0 0 7px;font-weight:800}
.hn-choose-first p{font-size:13px;line-height:1.55;margin:0;color:#32546e}
@media(max-width:530px){.hn-choose-first{padding:14px 15px;margin:16px 0 12px}}