@layer legacy{.ff-header__bar{gap:clamp(.85rem,1.5vw,1.75rem)}.ff-header__nav{align-self:stretch;gap:clamp(.75rem,1.25vw,1.35rem)}.ff-header__link{white-space:nowrap;font-size:clamp(.75rem,.7rem + .15vw,.875rem)}.ff-header__actions .ff-btn{white-space:nowrap}.ff-header__dropdown{align-items:center;display:flex;position:relative}.ff-header__nav .ff-header__dropdown-trigger{align-items:center;gap:var(--space-2);font-family:inherit;line-height:inherit;cursor:pointer;background:0 0;border:0;margin:0;display:inline-flex}.ff-header__dropdown-chevron{width:10px;height:7px;transition:transform var(--dur-base) var(--ease-out);flex:none}.ff-header__dropdown-trigger[aria-expanded=true] .ff-header__dropdown-chevron{transform:rotate(180deg)}.ff-header__dropdown-panel{top:100%;left:calc(var(--space-4) * -1);z-index:10;min-width:15rem;padding-top:var(--space-2);position:absolute}.ff-header__dropdown-panel[hidden]{display:none}.ff-header__dropdown-surface{gap:var(--space-1);padding:var(--space-2);background:var(--surface-card);border:1px solid var(--border-subtle);border-radius:var(--radius-lg);box-shadow:var(--shadow-lg);flex-direction:column;display:flex}.ff-header__nav .ff-header__dropdown-link{min-height:42px;padding:var(--space-2) var(--space-3);color:var(--text-body);border-radius:var(--radius-sm);font-size:var(--text-sm);font-weight:var(--weight-semibold);letter-spacing:0;white-space:nowrap;transition:color var(--dur-base) var(--ease-out), background var(--dur-base) var(--ease-out);align-items:center;display:flex}.ff-header__nav .ff-header__dropdown-link:hover,.ff-header__nav .ff-header__dropdown-link:focus-visible{color:var(--text-strong);background:var(--surface-sunken);transform:none}.ff-header__nav .ff-header__dropdown-link[aria-current=page]{color:var(--brand)}.ff-header__nav .ff-header__link:focus-visible,.ff-header__nav .ff-header__dropdown-link:focus-visible{outline:3px solid var(--focus-ring);outline-offset:2px}.ff-menu-toggle,.ff-menu__close{width:44px;height:44px;color:var(--text-strong);border:1px solid var(--border);border-radius:var(--radius-md);cursor:pointer;background:0 0;place-items:center;padding:0;display:none}.ff-menu-toggle svg,.ff-menu__close svg{width:24px;height:24px}.ff-menu-toggle:focus-visible,.ff-menu__close:focus-visible,.ff-menu a:focus-visible{outline-offset:4px;outline:3px solid #f46a73}.ff-menu{z-index:80;opacity:0;visibility:hidden;pointer-events:none;transition:opacity .28s var(--ease-out), visibility .28s;background:#04070bad;justify-content:flex-end;display:flex;position:fixed;inset:0;overflow:hidden}.ff-menu[data-open=true]{opacity:1;visibility:visible;pointer-events:auto}html.ff-menu-open .ff-header{z-index:100;-webkit-backdrop-filter:none!important}html.ff-menu-open .ff-sticky{visibility:hidden;pointer-events:none}.ff-menu__panel{width:min(100%,42rem);min-height:100dvh;padding:max(1.25rem, env(safe-area-inset-top)) clamp(1.25rem, 6vw, 3.5rem) max(1.5rem, env(safe-area-inset-bottom));color:#fff;transition:transform .34s var(--ease-out);background:#0a0e14;flex-direction:column;display:flex;overflow-y:auto;transform:translate(3rem)}.ff-menu[data-open=true] .ff-menu__panel{transform:translate(0)}.ff-menu__top{justify-content:space-between;align-items:center;display:flex}.ff-menu__brand{display:inline-flex}.ff-menu__brand img{filter:brightness(0)invert();width:auto;height:30px}.ff-menu__close{color:#fff;border-color:#ffffff38;display:grid}.ff-menu__nav{flex-direction:column;margin-block:clamp(1.5rem,4vh,3rem) auto;display:flex}.ff-menu__group{flex-direction:column;display:flex}.ff-menu__group+.ff-menu__group{margin-top:var(--space-4)}.ff-menu__heading{padding-block:var(--space-2);color:#f46a73;font-family:var(--font-mono);font-size:var(--text-xs);font-weight:var(--weight-bold);letter-spacing:var(--tracking-label);text-transform:uppercase;margin:0}.ff-menu__nav a{color:#fff;min-height:48px;font-family:var(--font-display);letter-spacing:-.03em;border-bottom:1px solid #ffffff1f;align-items:center;padding-block:.58rem;font-size:clamp(1.2rem,5vw,1.8rem);font-weight:700;display:flex}.ff-menu__nav a[aria-current=page]{color:#f46a73}.ff-menu__phone{color:#fff;align-items:center;gap:.7rem;width:fit-content;min-height:48px;font-weight:700;display:inline-flex}.ff-compliance{color:var(--ff-ink-300);font-size:var(--text-xs);line-height:var(--leading-normal);flex-direction:column;gap:.35rem;display:flex}.ff-compliance .ff-footer__ehl{margin-top:.35rem}.ff-compliance .ff-footer__ehl p{color:#fff;font-weight:700}.ff-footer__cols{grid-template-columns:repeat(2,minmax(0,1fr))}.self-employed-band{justify-content:space-between;align-items:center;gap:var(--space-7);margin-top:var(--space-8);background:var(--ff-self-tint);border-left:4px solid var(--ff-self);border-radius:4px 4px 20px;padding:clamp(1.5rem,3vw,2.5rem);display:flex}.self-employed-band p{max-width:65ch;color:var(--text-strong);font-size:var(--text-lg);line-height:var(--leading-normal);font-weight:600}.rate-wizard{padding-block:clamp(1.5rem,4vw,3.5rem)}.rate-wizard__surface{background:#fafbfcf0;border:1px solid #2a33421f;border-radius:8px 8px 28px 28px;min-height:clamp(680px,78vh,840px);position:relative;overflow:hidden;box-shadow:0 36px 90px -60px #2a3342b8}.rate-wizard__surface>:not(.hero-shader){z-index:3;position:relative}.rate-wizard__surface .hero-shader:after{background:linear-gradient(100deg,#fafbfcfa,#fafbfce8 60%,#fafbfcb8)}.rate-wizard__chrome{justify-content:space-between;align-items:center;gap:var(--space-5);padding:var(--space-5) clamp(1.25rem, 4vw, 3rem);-webkit-backdrop-filter:blur(16px);backdrop-filter:blur(16px);background:#fafbfcc2;border-bottom:1px solid #2a33421a;display:flex}.rate-progress{align-items:center;gap:var(--space-3);min-width:min(20rem,48vw);display:flex}.rate-progress__bar{background:var(--ff-ink-100);border-radius:4px;width:min(15rem,35vw);height:5px;overflow:hidden}.rate-progress__bar span{background:var(--brand);height:100%;transition:width .35s var(--ease-out);display:block}.rate-progress__label{min-width:3.5rem;color:var(--text-muted);font-family:var(--font-mono);font-size:var(--text-xs);font-weight:600}.rate-wizard__reassure{color:var(--text-muted);font-size:var(--text-sm);font-weight:600}.rate-wizard__body{width:min(100%,850px);margin-inline:auto;padding:clamp(1.25rem,4vw,3rem) clamp(1.25rem,5vw,4.5rem) clamp(3rem,7vw,5.5rem)}.rate-back{min-height:44px;color:var(--text-muted);cursor:pointer;background:0 0;border:0;padding:.5rem 0;font-weight:700}.rate-back--spacer{display:block}.rate-screen{animation:rate-screen-in .34s var(--ease-out) both;margin-top:clamp(1rem,3vw,2.5rem)}.rate-screen>.ff-eyebrow,.rate-screen form>.ff-eyebrow,.rate-done>.ff-eyebrow{margin-bottom:var(--space-4)}.rate-screen h1{max-width:18ch;color:var(--text-strong);font-size:var(--display-sm);letter-spacing:var(--tracking-tighter);text-wrap:balance;line-height:1.03}.rate-screen h1:focus{outline:none}.rate-screen h1+p,.rate-screen form>h1+p{max-width:54ch;margin-top:var(--space-4);color:var(--text-muted);font-size:var(--text-lg);line-height:var(--leading-normal)}.rate-choices{gap:var(--space-3);margin-top:var(--space-7);grid-template-columns:repeat(2,minmax(0,1fr));display:grid}.rate-choice{justify-content:space-between;align-items:center;gap:var(--space-4);min-height:94px;padding:var(--space-5);color:var(--text-strong);text-align:left;border:1.5px solid var(--border);border-radius:var(--radius-lg);cursor:pointer;background:#fafbfce0;display:flex;box-shadow:0 16px 40px -38px #2a3342e6}.rate-choice:hover,.rate-choice[data-selected=true]{border-color:var(--brand);box-shadow:0 0 0 3px var(--focus-ring)}.rate-choice b{font-size:var(--text-md);display:block}.rate-choice small{color:var(--text-muted);font-size:var(--text-sm);margin-top:.25rem;line-height:1.35;display:block}.rate-choice__arrow{color:var(--brand);font-size:var(--text-xl);flex:none}.rate-fields{gap:var(--space-4);margin-top:var(--space-7);display:grid}.rate-fields--two{grid-template-columns:repeat(2,minmax(0,1fr))}.rate-fields label{gap:var(--space-2);color:var(--text-body);font-size:var(--text-sm);flex-direction:column;font-weight:700;display:flex}.rate-fields input,.rate-fields textarea{width:100%;color:var(--text-strong);border:1.5px solid var(--border-strong);border-radius:var(--radius-md);font:inherit;font-size:var(--text-base);background:#fafbfceb}.rate-fields input{min-height:58px;padding:0 var(--space-4)}.rate-fields textarea{min-height:94px;padding:var(--space-4);line-height:var(--leading-normal);resize:vertical}.rate-fields input:focus,.rate-fields textarea:focus{border-color:var(--brand);box-shadow:0 0 0 3px var(--focus-ring);outline:0}.rate-fields label>span small{color:var(--text-muted);font-size:inherit;font-weight:500}.rate-field--wide{grid-column:1/-1}.rate-input{min-height:58px;padding-left:var(--space-4);border:1.5px solid var(--border-strong);border-radius:var(--radius-md);background:#fafbfceb;align-items:center;display:flex}.rate-input:focus-within{border-color:var(--brand);box-shadow:0 0 0 3px var(--focus-ring)}.rate-input b{color:var(--text-faint)}.rate-input input{min-height:54px;box-shadow:none;background:0 0;border:0}.rate-input input:focus{box-shadow:none}.rate-continue{margin-top:var(--space-6)}.rate-continue:disabled{opacity:.58;cursor:wait}.rate-consent{margin-top:var(--space-4)!important;color:var(--text-faint)!important;font-size:var(--text-xs)!important}.rate-consent a{color:inherit;text-underline-offset:2px;font-weight:700;text-decoration:underline}.rate-error{margin-top:var(--space-4);padding:var(--space-3) var(--space-4);color:#8d1019;border-left:3px solid var(--brand);font-size:var(--text-sm);background:#fff0f1;font-weight:600}.rate-done{padding-block:clamp(2rem,7vw,5rem)}.rate-done__mark{width:58px;height:58px;margin-bottom:var(--space-6);color:#fff;font-size:var(--text-2xl);background:#246344;border-radius:50%;place-items:center;font-weight:800;display:grid}.rate-done p{max-width:48ch;margin-block:var(--space-5) var(--space-7);color:var(--text-body);font-size:var(--text-xl);line-height:var(--leading-normal)}.rate-done p a{color:var(--brand);text-underline-offset:3px;font-weight:700;text-decoration:underline}.talk-section{scroll-margin-top:88px}.talk-layout{grid-template-columns:minmax(0,.72fr) minmax(0,1.28fr);align-items:start;gap:clamp(2.5rem,6vw,6rem);display:grid}.talk-heading{margin-bottom:0}.talk-wizard{border:1px solid var(--border-subtle);background:#fafbfcf5;border-radius:8px 8px 24px 24px;min-width:0;overflow:hidden;box-shadow:0 32px 80px -62px #2a3342c7}.talk-wizard__chrome{justify-content:space-between;align-items:center;gap:var(--space-4);padding:var(--space-4) clamp(1.1rem, 3vw, 2rem);background:var(--surface-card);border-bottom:1px solid var(--border-subtle);display:flex}.talk-progress{min-width:0}.talk-progress .rate-progress__bar{width:min(13rem,28vw)}.talk-wizard__reassure{color:var(--text-muted);font-size:var(--text-xs);white-space:nowrap;font-weight:700}.talk-form{padding:clamp(1.1rem,3vw,2rem) clamp(1.1rem,4vw,2.75rem) clamp(1.75rem,4vw,3rem)}.talk-wizard__nav{min-height:44px}.talk-back{text-align:left;min-width:7.5rem}.talk-wizard__viewport{overflow:hidden}.talk-wizard__track{width:500%;transform:translate3d(calc(var(--talk-step) * -20%), 0, 0);will-change:transform;grid-template-columns:repeat(5,minmax(0,1fr));align-items:stretch;transition:transform .4s cubic-bezier(.16,1,.3,1);display:grid}.talk-screen{min-width:0;padding:clamp(.75rem, 2vw, 1.5rem) 2px var(--space-2)}.talk-screen h3,.talk-success h3{max-width:17ch;color:var(--text-strong);font-family:var(--font-serif);letter-spacing:var(--tracking-tight);text-wrap:balance;font-size:clamp(2rem,1.45rem + 1.5vw,2.75rem);font-weight:500;line-height:1.08}.talk-screen h3:focus,.talk-success h3:focus{outline:none}.talk-screen>h3+p{max-width:54ch;margin-top:var(--space-3);color:var(--text-muted);font-size:var(--text-base);line-height:var(--leading-normal)}.talk-choices{margin-top:var(--space-5)}.talk-choice{min-height:82px;padding:var(--space-4)}.talk-choice b{font-size:var(--text-base)}.talk-choice:focus-visible,.talk-back:focus-visible{outline:3px solid var(--focus-ring);outline-offset:3px}.talk-location{margin-top:var(--space-6)}.talk-location label span small,.talk-fields label>span small{color:var(--text-muted);font-size:inherit;font-weight:500}.talk-location__actions,.talk-success__actions{gap:var(--space-3);margin-top:var(--space-5);flex-wrap:wrap;display:flex}.talk-form .rate-fields{margin-top:var(--space-5)}.talk-fields--contact{grid-template-columns:repeat(2,minmax(0,1fr))}.talk-field--wide{grid-column:1/-1}.talk-fields select,.talk-fields textarea{width:100%;color:var(--text-strong);border:1.5px solid var(--border-strong);border-radius:var(--radius-md);font:inherit;font-size:var(--text-base);background:#fafbfceb}.talk-fields select{min-height:58px;padding:0 var(--space-4)}.talk-fields textarea{min-height:112px;padding:var(--space-4);resize:vertical;line-height:var(--leading-normal)}.talk-fields select:focus,.talk-fields textarea:focus{border-color:var(--brand);box-shadow:0 0 0 3px var(--focus-ring);outline:0}.talk-honeypot{width:1px!important;height:1px!important;position:absolute!important;left:-10000px!important;overflow:hidden!important}.talk-turnstile{min-height:1px;margin-top:var(--space-3)}.talk-turnstile p{margin-top:var(--space-2);color:var(--text-faint);font-size:var(--text-xs)}.talk-status{min-height:58px}.talk-status:empty{display:block}.talk-success{min-height:620px;padding:clamp(2rem,7vw,4.5rem) clamp(1.1rem,4vw,2.75rem)}.talk-success p{margin-bottom:var(--space-5)}.talk-success__actions{margin-top:0}.privacy-page{background:var(--surface-page)}.privacy-document{width:min(calc(100% - (var(--gutter) * 2)), 70ch);color:var(--text-body);margin-inline:auto;padding-block:clamp(3.5rem,7vw,6.5rem) clamp(5rem,9vw,8rem)}.privacy-document header{border-bottom:1px solid var(--border);margin-bottom:clamp(2.5rem,5vw,4rem);padding-bottom:clamp(1.75rem,3vw,2.5rem)}.privacy-document h1{max-width:14ch;margin:var(--space-3) 0 0;color:var(--text-strong);font-family:var(--font-serif);font-size:var(--display-sm);letter-spacing:var(--tracking-tighter);text-wrap:balance;font-weight:500;line-height:1.05}.privacy-document header>p{margin-top:var(--space-4);color:var(--text-muted);font-family:var(--font-mono);font-size:var(--text-xs)}.privacy-document h2{margin:clamp(2.5rem, 5vw, 4rem) 0 var(--space-3);color:var(--text-strong);font-family:var(--font-serif);letter-spacing:var(--tracking-tight);text-wrap:balance;font-size:clamp(1.55rem,1.25rem + 1vw,2rem);font-weight:500;line-height:1.2}.privacy-document p,.privacy-document li{font-size:var(--text-md);text-wrap:pretty;line-height:1.75}.privacy-document p{margin:0 0 var(--space-4)}.privacy-document ul{margin:0 0 var(--space-5);padding-left:1.35rem}.privacy-document li{padding-left:.3rem}.privacy-document li+li{margin-top:var(--space-2)}.privacy-document li::marker{color:var(--brand)}.privacy-document a{color:var(--brand-strong);text-underline-offset:3px;font-weight:700}.privacy-document__license{padding-top:var(--space-5);border-top:1px solid var(--border);color:var(--text-muted);font-weight:700;margin-top:var(--space-7)!important;font-size:var(--text-sm)!important}.rate-table-page{min-height:100dvh;padding-bottom:var(--space-6);color:var(--text-body);background:var(--surface-page)}.rate-table-topbar{background:var(--surface-card);border-bottom:1px solid var(--border-subtle);align-items:center;min-height:68px;display:flex}.rate-table-topbar__inner{width:min(100% - (var(--gutter) * 2), 1440px);align-items:center;margin-inline:auto;display:flex}.rate-table-topbar img{object-fit:contain;width:auto;height:36px}.rate-table-layout{width:min(100% - (var(--gutter) * 2), 1440px);grid-template-columns:minmax(0,3fr) minmax(18rem,2fr);align-items:start;gap:clamp(2rem,4.5vw,5rem);margin-inline:auto;display:grid}.rate-table-form{min-width:0}.rate-wizard--landing{padding-block:clamp(1.5rem,3vw,2.75rem)}.rate-wizard--landing>.ff-container{width:100%;padding-inline:0}.rate-wizard--landing .rate-wizard__surface{background:var(--surface-card);border-color:var(--border);border-radius:var(--radius-lg);min-height:min(820px,100dvh - 360px);box-shadow:var(--shadow-lg);flex-direction:column;display:flex;overflow:clip}.rate-wizard--landing .rate-wizard__body{flex-direction:column;flex:1;justify-content:flex-start;display:flex}.rate-wizard--landing .rate-wizard__chrome{z-index:4;background:color-mix(in srgb, var(--surface-card) 96%, transparent);border-bottom-color:var(--border-subtle);position:sticky;top:0}.rate-wizard--landing .rate-progress{flex:1}.rate-wizard--landing .rate-progress__bar{flex:1;width:auto;max-width:20rem}.rate-wizard--landing .rate-progress__label{min-width:6.8rem;color:var(--text-body)}.rate-wizard--landing .rate-wizard__body{width:min(100%,780px);padding:clamp(1.25rem,3vw,2.5rem) clamp(1.25rem,4vw,3.5rem) clamp(3rem,6vw,5rem)}.rate-wizard--landing .rate-screen{will-change:transform, opacity;margin-top:clamp(.75rem,2vw,1.75rem);animation:none}.rate-wizard--landing .rate-choice{background:var(--surface-card);border-color:var(--ff-ink-300);min-height:88px;box-shadow:var(--shadow-sm);transition:transform var(--dur-base) var(--ease-out), border-color var(--dur-base) var(--ease-out), box-shadow var(--dur-base) var(--ease-out), background-color var(--dur-base) var(--ease-out)}.rate-wizard--landing .rate-choice:hover,.rate-wizard--landing .rate-choice[data-selected=true]{border-color:var(--brand)}.rate-wizard--landing .rate-choice:hover{box-shadow:var(--shadow-md);transform:translateY(-2px)}.rate-wizard--landing .rate-choice[data-selected=true]{box-shadow:0 0 0 3px var(--focus-ring)}.rate-wizard--landing .rate-choice:active{box-shadow:var(--shadow-sm);transform:scale(.985)}.rate-wizard--landing .rate-choice:focus-visible,.rate-wizard--landing .rate-back:focus-visible,.rate-wizard--landing .rate-continue:focus-visible{outline:3px solid var(--focus-ring);outline-offset:3px}.rate-wizard--landing .rate-fields input,.rate-wizard--landing .rate-input{background:var(--surface-card);border-color:var(--ff-ink-300);box-shadow:var(--shadow-xs)}.rate-wizard--landing .talk-turnstile{min-height:0}.rate-wizard--landing .rate-done{padding-block:clamp(2.5rem,7vw,5.5rem)}@keyframes rate-choice-in{0%{opacity:0;transform:translateY(10px)}to{opacity:1;transform:none}}.rate-wizard--landing .rate-choices>.rate-choice{animation:rate-choice-in .34s var(--ease-out) both}.rate-wizard--landing .rate-choices>.rate-choice:first-child{animation-delay:40ms}.rate-wizard--landing .rate-choices>.rate-choice:nth-child(2){animation-delay:90ms}.rate-wizard--landing .rate-choices>.rate-choice:nth-child(3){animation-delay:.14s}.rate-wizard--landing .rate-choices>.rate-choice:nth-child(4){animation-delay:.19s}.rate-wizard--landing .rate-choices>.rate-choice:nth-child(5){animation-delay:.24s}.rate-wizard--landing .rate-choices>.rate-choice:nth-child(6){animation-delay:.29s}.rate-wizard--landing .rate-progress__bar>span{transition:width .42s cubic-bezier(.16,1,.3,1)}.rate-next{margin-top:var(--space-7);padding-top:var(--space-7);border-top:1px solid var(--border);text-align:left;grid-template-columns:repeat(auto-fit,minmax(16rem,1fr));gap:clamp(1.5rem,3vw,2.75rem);display:grid}.rate-next h2{margin-bottom:var(--space-4);color:var(--text-strong);font-family:var(--font-display);font-size:var(--text-lg);font-weight:var(--weight-bold);letter-spacing:var(--tracking-tight)}.rate-next__steps{gap:var(--space-4);counter-reset:rate-next;margin:0;padding:0;list-style:none;display:grid}.rate-next__steps li{color:var(--text-muted);font-size:var(--text-sm);line-height:var(--leading-normal);counter-increment:rate-next;padding-left:2.25rem;position:relative}.rate-next__steps li:before{content:counter(rate-next);width:1.6rem;height:1.6rem;color:var(--brand);background:var(--brand-tint);border:1px solid var(--brand-line);font-size:var(--text-xs);font-weight:var(--weight-bold);border-radius:50%;place-items:center;display:grid;position:absolute;top:-.1rem;left:0}.rate-next__steps b,.rate-next__list b{color:var(--text-strong)}.rate-next__lead{max-width:none;margin:0 0 var(--space-4);color:var(--text-muted);font-size:var(--text-sm);line-height:var(--leading-normal)}.rate-next__list{gap:var(--space-3);margin:0;padding:0;list-style:none;display:grid}.rate-next__list li{color:var(--text-muted);font-size:var(--text-sm);line-height:var(--leading-normal);padding-left:1.4rem;position:relative}.rate-next__list li:before{content:"";background:var(--brand);border-radius:50%;width:6px;height:6px;position:absolute;top:.55em;left:0}.rate-next__recap{padding:var(--space-5);background:var(--surface-sunken);border:1px solid var(--border);border-radius:var(--radius-md)}.rate-next__recap dl{gap:var(--space-3);margin:0;display:grid}.rate-next__recap dl>div{justify-content:space-between;gap:var(--space-4);padding-bottom:var(--space-3);border-bottom:1px solid var(--border-subtle);display:flex}.rate-next__recap dl>div:last-of-type{border-bottom:0;padding-bottom:0}.rate-next__recap dt{color:var(--text-faint);font-size:var(--text-xs);text-transform:uppercase;letter-spacing:var(--tracking-wide)}.rate-next__recap dd{color:var(--text-strong);font-size:var(--text-sm);font-weight:var(--weight-bold);text-align:right;margin:0}.rate-next__fix{margin:var(--space-4) 0 0;color:var(--text-faint);font-size:var(--text-xs);line-height:var(--leading-normal)}.rate-wizard--landing .rate-done p{max-width:48ch}.rate-confetti{z-index:60;pointer-events:none;position:fixed;inset:0}@media (prefers-reduced-motion:reduce){.rate-wizard--landing .rate-choices>.rate-choice{animation:none}.rate-wizard--landing .rate-progress__bar>span{transition:none}}.rate-table-trust{top:calc(68px + var(--space-7));border-left:3px solid var(--brand);margin-top:clamp(2.5rem,5vw,4.5rem);padding:clamp(1.5rem,3vw,2.5rem) clamp(1.5rem,3vw,3rem);position:sticky}.rate-table-trust__heading{max-width:16ch;margin-bottom:var(--space-7);color:var(--text-strong);font-family:var(--font-display);font-size:clamp(1.75rem,1.3rem + 1.5vw,2.5rem);font-weight:var(--weight-bold);line-height:var(--leading-heading);letter-spacing:var(--tracking-tight);text-wrap:balance}.rate-table-trust__item{gap:var(--space-2);padding-block:var(--space-5);border-top:1px solid var(--border);display:grid}.rate-table-trust__item strong{color:var(--text-strong);font-size:var(--text-md)}.rate-table-trust__item span{max-width:34ch;color:var(--text-muted);font-size:var(--text-sm);line-height:var(--leading-normal)}.rate-table-compliance{width:100%;padding:var(--space-6) var(--gutter) calc(var(--space-6) + env(safe-area-inset-bottom));color:var(--text-muted);background:var(--surface-sunken);border-top:1px solid var(--border);font-size:var(--text-xs);line-height:var(--leading-normal);margin-top:clamp(2.5rem,5vw,4.5rem)}.rate-table-compliance>*{width:min(100%,1440px);margin-inline:auto}.rate-table-compliance p{margin:0}.rate-table-compliance p:first-child{color:var(--text-strong);font-weight:var(--weight-bold);letter-spacing:var(--tracking-tight);margin-bottom:.3rem}.rate-table-rating{margin-bottom:var(--space-4);align-items:center;gap:.5rem;display:inline-flex}.rate-table-rating__stars{gap:.12rem;display:inline-flex}.rate-table-rating__stars svg{fill:var(--brand);display:block}.rate-table-rating__score{color:var(--text-strong);font-family:var(--font-display);font-size:var(--text-md);font-weight:var(--weight-bold);font-variant-numeric:tabular-nums;line-height:1}.rate-table-mobile-trust{display:none}@keyframes rate-screen-in{0%{opacity:0;transform:translateY(12px)}to{opacity:1;transform:translateY(0)}}@media (min-width:768px) and (max-width:1023px){.rate-table-layout{gap:var(--space-5);grid-template-columns:1fr}.rate-table-form{order:2}.rate-table-trust{gap:var(--space-5);margin-top:var(--space-6);padding:var(--space-4) var(--space-5);border-left:0;border-top:3px solid var(--brand);background:var(--surface-card);order:1;grid-template-columns:repeat(3,minmax(0,1fr));display:grid;position:static}.rate-table-trust__heading{max-width:none;font-size:var(--text-2xl);grid-column:1/-1;margin-bottom:0}.rate-table-trust__item{padding-block:var(--space-3)}.rate-wizard--landing{padding-top:0}}@media (max-width:767px){.rate-table-page{padding-bottom:calc(74px + env(safe-area-inset-bottom))}.rate-table-topbar{min-height:58px}.rate-table-topbar__inner{width:100%;padding-inline:var(--gutter)}.rate-table-topbar img{height:30px}.rate-table-layout{width:100%;display:block}.rate-table-trust{display:none}.rate-wizard--landing{padding:0}.rate-wizard--landing>.ff-container{padding-inline:0}.rate-wizard--landing .rate-wizard__surface{min-height:calc(100dvh - 58px);box-shadow:none;border:0;border-radius:0}.rate-wizard--landing .rate-wizard__chrome{padding:.8rem var(--gutter);align-items:center}.rate-wizard--landing .rate-wizard__reassure{display:none}.rate-wizard--landing .rate-progress{gap:var(--space-3);min-width:0}.rate-wizard--landing .rate-progress__bar{width:auto;max-width:none}.rate-wizard--landing .rate-progress__label{text-align:right;flex:none;min-width:6.5rem}.rate-wizard--landing .rate-wizard__body{padding:var(--space-3) var(--gutter) calc(5.5rem + env(safe-area-inset-bottom));justify-content:center}.rate-wizard--landing .rate-back--spacer{min-height:0;padding:0}.rate-wizard--landing .rate-screen{margin-top:var(--space-2)}.rate-wizard--landing .rate-screen>.ff-eyebrow,.rate-wizard--landing .rate-screen form>.ff-eyebrow,.rate-wizard--landing .rate-done>.ff-eyebrow{margin-bottom:var(--space-2)}.rate-wizard--landing .rate-screen h1{max-width:18ch;font-size:clamp(1.8rem,1.5rem + 2vw,2.2rem);line-height:1.08}.rate-wizard--landing .rate-screen h1+p,.rate-wizard--landing .rate-screen form>h1+p{margin-top:var(--space-3);font-size:var(--text-base)}.rate-wizard--landing .rate-choices{gap:var(--space-2);margin-top:var(--space-5);grid-template-columns:1fr}.rate-wizard--landing .rate-choice{min-height:64px;padding:.75rem var(--space-4);border-radius:var(--radius-md)}.rate-wizard--landing .rate-choice:hover{transform:none}.rate-wizard--landing .rate-choice b{font-size:var(--text-base)}.rate-wizard--landing .rate-choice small{font-size:var(--text-xs)}.rate-wizard--landing .rate-fields{gap:var(--space-3);margin-top:var(--space-5)}.rate-wizard--landing .rate-fields--two{grid-template-columns:1fr}.rate-wizard--landing .rate-fields input,.rate-wizard--landing .rate-input{min-height:54px}.rate-wizard--landing .rate-input input{min-height:50px}.rate-wizard--landing .rate-continue{width:100%;min-height:52px;margin-top:var(--space-5);white-space:nowrap}.rate-wizard--landing .rate-done{padding-block:var(--space-9)}.rate-table-compliance{width:auto;margin:var(--space-4) var(--gutter) 0;padding-bottom:var(--space-4);gap:.25rem;display:grid}.rate-table-mobile-trust{z-index:20;justify-content:space-between;align-items:center;gap:var(--space-3);min-height:62px;padding:.65rem max(var(--gutter), env(safe-area-inset-right)) calc(.65rem + env(safe-area-inset-bottom)) max(var(--gutter), env(safe-area-inset-left));color:var(--text-on-ink);background:var(--surface-ink);box-shadow:var(--shadow-lg);display:flex;position:fixed;bottom:0;left:0;right:0}.rate-table-mobile-trust>div{flex-direction:column;gap:.15rem;display:flex}.rate-table-mobile-trust .rate-table-rating{gap:.4rem;margin-bottom:0}.rate-table-mobile-trust .rate-table-rating__score{color:var(--text-on-ink);font-size:var(--text-sm)}.rate-table-mobile-trust .rate-table-rating__stars svg{width:13px;height:13px}.rate-table-mobile-trust strong{font-size:var(--text-sm)}.rate-table-mobile-trust span{color:var(--text-on-ink-muted);font-size:var(--text-xs)}.rate-table-mobile-trust details{position:relative}.rate-table-mobile-trust summary{min-width:58px;min-height:44px;color:var(--text-on-ink);border:1px solid var(--ff-ink-600);border-radius:var(--radius-md);font-size:var(--text-sm);font-weight:var(--weight-bold);cursor:pointer;place-items:center;list-style:none;display:grid}.rate-table-mobile-trust summary::-webkit-details-marker{display:none}.rate-table-mobile-trust summary:focus-visible{outline:3px solid var(--ff-red-300);outline-offset:2px}.rate-table-mobile-trust__more{right:0;bottom:calc(100% + var(--space-3));width:min(20rem, calc(100vw - (var(--gutter) * 2)));padding:var(--space-4);color:var(--text-body);background:var(--surface-card);border:1px solid var(--border);border-radius:var(--radius-lg);box-shadow:var(--shadow-lg);position:absolute}.rate-table-mobile-trust__more .rate-table-trust__item:first-child{border-top:0}:is(.rate-table-page:has(.rate-wizard[data-rate-step="8"]),.rate-table-page:has(.rate-wizard[data-rate-step="9"])){padding-bottom:0}:is(.rate-table-page:has(.rate-wizard[data-rate-step="8"]) .rate-table-mobile-trust,.rate-table-page:has(.rate-wizard[data-rate-step="9"]) .rate-table-mobile-trust){display:none}}@media (max-width:1240px){.ff-header__nav,.ff-header__broker{display:none}.ff-header__actions{margin-left:auto}.ff-menu-toggle{flex:none;display:grid}}@media (max-width:560px){.ff-header__actions>.ff-btn,.ff-header__actions{display:none}.ff-menu-toggle{margin-left:auto}.self-employed-band{flex-direction:column;align-items:flex-start}.rate-wizard{padding-top:0}.rate-wizard>.ff-container{padding-inline:0}.rate-wizard__surface{border:0;border-radius:0;min-height:calc(100dvh - 72px)}.rate-wizard__chrome{padding:var(--space-4) var(--gutter);align-items:flex-start}.rate-wizard__reassure{text-align:right;max-width:12rem;font-size:var(--text-xs)}.rate-progress{min-width:0}.rate-progress__bar{width:28vw}.rate-wizard__body{padding-inline:var(--gutter)}.rate-screen{margin-top:var(--space-3)}.rate-screen h1{max-width:14ch}.rate-choices,.rate-fields--two{grid-template-columns:1fr}.rate-choice{min-height:78px}.talk-layout{gap:var(--space-7);grid-template-columns:1fr}.talk-section{scroll-margin-top:80px}.talk-wizard__chrome{align-items:flex-start}.talk-progress .rate-progress__bar{width:30vw}.talk-wizard__reassure{text-align:right;white-space:normal;max-width:9rem}.talk-form{padding-inline:var(--gutter)}.talk-fields--contact{grid-template-columns:1fr}.talk-field--wide{grid-column:auto}.talk-location__actions,.talk-success__actions{flex-direction:column;align-items:stretch}.talk-location__actions .ff-btn,.talk-success__actions .ff-btn{width:100%}.talk-success{min-height:780px;padding-inline:var(--gutter)}}@media (prefers-reduced-motion:reduce){.ff-menu,.ff-menu__panel,.rate-progress__bar span{transition:none}.rate-screen{animation:none}.talk-wizard__track{transition:none}}}