/* Optometrist Disability Insurance: one stylesheet for every page.
   Brand: the Credential mark (O and D in the lenses) with the Bold Frame palette.
   Tokens live on :root; the odi-brand skill documents every one. */
/* Plus Jakarta Sans, self-hosted (SIL Open Font License 1.1), one variable file per subset */
@font-face{font-family:'Plus Jakarta Sans';font-style:normal;font-weight:200 800;font-display:swap;src:url(/assets/fonts/plus-jakarta-sans-latin-ext.woff2) format('woff2');unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C4,U+2113,U+2C60-2C7F,U+A720-A7FF}
@font-face{font-family:'Plus Jakarta Sans';font-style:normal;font-weight:200 800;font-display:swap;src:url(/assets/fonts/plus-jakarta-sans-latin.woff2) format('woff2');unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}
:root{
  --ink:#0A1F33;--ink-deep:#071727;--ink-line:#1B3550;--ink-line-2:#24425E;--ink-raise:#102A44;
  --teal:#0FB5A6;--teal-deep:#0B7D73;--amber:#F2B33D;--amber-hover:#F6C462;
  --cloud:#EEF3F6;--white:#FFFFFF;
  --text:#0A1F33;--muted:#3F5266;--muted-2:#4A5D70;--rule:#E3EAEF;--rule-2:#C9D6DF;
  --on-ink:#B7C6D4;--on-ink-2:#8FA3B6;--on-ink-nav:#C9D6E2;
  --font:'Plus Jakarta Sans',system-ui,-apple-system,'Segoe UI',sans-serif;
  --gutter:clamp(1.25rem,4vw,3rem);--max:76rem;
  --sec:clamp(4.5rem,9vw,7.5rem);
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{margin:0;background:var(--white);color:var(--text);font-family:var(--font);font-size:1rem;line-height:1.65;-webkit-font-smoothing:antialiased}
img,svg{max-width:100%}
a{color:var(--teal-deep);text-underline-offset:4px}
a:hover{color:var(--ink)}
:focus-visible{outline:3px solid var(--teal);outline-offset:3px}
h1,h2,h3,h4{margin:0;line-height:1.1;letter-spacing:-.03em;text-wrap:balance}
p{margin:0}
.wrap{max-width:var(--max);margin:0 auto;padding-left:var(--gutter);padding-right:var(--gutter)}
.skip{position:absolute;left:-9999px;top:0;background:var(--amber);color:var(--ink);padding:12px 18px;font-weight:700;z-index:100}
.skip:focus{left:12px;top:12px}
.sr{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);border:0}

/* Type */
.eyebrow{font-size:.75rem;font-weight:600;letter-spacing:.22em;text-transform:uppercase;color:var(--teal-deep)}
.on-ink .eyebrow,.eyebrow.on-ink{color:var(--teal)}
.display{font-weight:300;font-size:clamp(2.5rem,4.6vw,4.2rem);line-height:1.05;letter-spacing:-.035em}
.h2{font-weight:300;font-size:clamp(2rem,3.6vw,3.1rem);line-height:1.1}
.display b,.h2 b,.h3 b{font-weight:700}
.h3{font-size:1.6rem;font-weight:600;letter-spacing:-.02em;line-height:1.2}
.h4{font-size:1.25rem;font-weight:600;letter-spacing:-.01em;line-height:1.3}
.lead{font-size:1.125rem;line-height:1.7;color:var(--muted);max-width:36rem}
.on-ink .lead{color:var(--on-ink)}
.body{font-size:1rem;line-height:1.7;color:var(--muted)}
.fine{font-size:.75rem;color:var(--muted-2)}
.on-ink .fine{color:var(--on-ink-2)}
.num{font-weight:200;letter-spacing:-.04em;line-height:1}

/* Buttons and links */
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:52px;padding:0 32px;background:var(--amber);color:var(--ink);font-family:var(--font);font-size:.95rem;font-weight:700;letter-spacing:.01em;border:0;border-radius:2px;text-decoration:none;cursor:pointer;transition:background-color .2s}
.btn:hover{background:var(--amber-hover);color:var(--ink)}
.btn-sm{min-height:44px;padding:0 22px;font-size:.875rem}
.btn-ink{background:var(--ink);color:var(--white)}
.btn-ink:hover{background:var(--ink-raise);color:var(--white)}
.btn-ghost{background:transparent;color:var(--ink);box-shadow:inset 0 0 0 1px var(--rule-2)}
.btn-ghost:hover{background:var(--cloud)}
.tlink{display:inline-block;padding:12px 0;font-size:.95rem;font-weight:600;color:var(--ink);text-decoration:underline;text-decoration-color:var(--teal-deep);text-decoration-thickness:2px;text-underline-offset:7px}
.on-ink .tlink{color:var(--white);text-decoration-color:var(--teal)}
.on-ink .tlink:hover{color:var(--teal)}
.more{display:inline-block;padding:10px 0;font-size:.875rem;font-weight:600}
.btns{display:flex;flex-wrap:wrap;align-items:center;gap:1rem 2.25rem}

/* Header */
.hdr{background:var(--ink);border-bottom:1px solid var(--ink-line);position:relative;z-index:20}
.hdr-in{display:flex;align-items:center;justify-content:space-between;gap:1rem 2rem;min-height:76px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;flex-shrink:0}
.brand svg{width:58px;height:27px;flex-shrink:0}
.brand-txt{display:flex;flex-direction:column;gap:3px}
.brand-name{font-size:1rem;font-weight:700;letter-spacing:-.01em;color:var(--white);line-height:1.1}
.brand-sub{font-size:.5625rem;font-weight:600;letter-spacing:.36em;color:var(--teal);line-height:1}
.nav{display:flex;align-items:center;gap:.25rem 1.75rem}
.nav a{font-size:.875rem;font-weight:500;color:var(--on-ink-nav);text-decoration:none;padding:12px 0}
.nav a:hover,.nav a[aria-current="page"]{color:var(--white)}
.nav a[aria-current="page"]{box-shadow:inset 0 -2px 0 var(--teal)}
.nav .btn{color:var(--ink);padding:0 22px;box-shadow:none}
.menu{display:none;min-height:44px;padding:0 16px;background:transparent;color:var(--white);border:1px solid var(--ink-line-2);border-radius:2px;font:600 .875rem var(--font);cursor:pointer}
@media (max-width:1040px){
  .menu{display:inline-flex;align-items:center}
  .nav{display:none;position:absolute;left:0;right:0;top:100%;background:var(--ink);border-bottom:1px solid var(--ink-line);flex-direction:column;align-items:stretch;gap:0;padding:8px var(--gutter) 24px}
  .nav.open{display:flex}
  .nav a{padding:14px 0;border-bottom:1px solid var(--ink-line);font-size:1rem}
  .nav a[aria-current="page"]{box-shadow:none;color:var(--teal)}
  .nav .btn{margin-top:16px;border-bottom:0}
  .no-js .nav{display:flex;position:static;padding:0 0 16px}
}

/* Sections */
.sec{padding:var(--sec) 0}
.sec-cloud{background:var(--cloud)}
.sec-ink,.on-ink{color:var(--white)}
.sec-ink{background:var(--ink)}
.sec-rule{border-top:1px solid var(--rule)}
.stack{display:flex;flex-direction:column;gap:1.25rem}
.stack-lg{display:flex;flex-direction:column;gap:3.5rem}
.split{display:flex;flex-wrap:wrap;gap:3rem 5rem}
.split>*{flex:1 1 400px;min-width:0}
.split-end{align-items:flex-end;justify-content:space-between}
.head{display:flex;flex-direction:column;gap:1.25rem;max-width:44rem}

/* Hero */
.hero{background:var(--ink);color:var(--white)}
.hero-grid{display:flex;flex-wrap:wrap;align-items:center;gap:3.5rem;padding-top:clamp(4rem,8vw,7rem);padding-bottom:clamp(3rem,5vw,4.5rem)}
.hero-copy{flex:1.7 1 520px;min-width:0;display:flex;flex-direction:column;gap:1.75rem}
.hero-copy .lead{color:var(--on-ink)}
.hero-copy .btns{padding-top:.5rem}
.hero-art{flex:1 1 360px;min-width:0;display:flex;justify-content:center}
.hero-art svg{width:100%;max-width:560px;height:auto}
.spec{border-top:1px solid var(--ink-line)}
.spec-in{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:0 2rem}
.spec-item{padding:clamp(1.25rem,3vw,2rem) 0;display:flex;flex-direction:column;gap:6px}
.spec-val{font-size:clamp(1.75rem,3vw,2.25rem);font-weight:300;letter-spacing:-.03em;color:var(--white);line-height:1.1}
.spec-lbl{font-size:.75rem;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--on-ink-2)}

/* Inner page hero */
.phero{background:var(--ink);color:var(--white)}
.phero-grid{display:flex;flex-wrap:wrap;align-items:center;gap:3rem;padding-top:clamp(3rem,6vw,5rem);padding-bottom:clamp(3.5rem,7vw,5.5rem)}
.phero-copy{flex:1.4 1 520px;min-width:0;display:flex;flex-direction:column;gap:1.5rem}
.phero-copy .lead{color:var(--on-ink)}
.phero-art{flex:1 1 320px;min-width:0;display:flex;justify-content:center}
.phero-art svg{width:100%;max-width:460px;height:auto}
.phero-solo .phero-copy{flex-basis:100%;max-width:52rem}
.crumbs{display:flex;flex-wrap:wrap;gap:.25rem .6rem;font-size:.8125rem;color:var(--on-ink-2);margin:0;padding:0;list-style:none}
.crumbs a{color:var(--on-ink-nav);text-decoration:none;padding:6px 0;display:inline-block}
.crumbs a:hover{color:var(--white)}
.crumbs li+li::before{content:"/";margin-right:.6rem;color:var(--ink-line-2)}
.crumbs li{display:flex;align-items:center}

/* Product rows and spec lists */
.rows{display:flex;flex-direction:column}
.row{border-top:1px solid var(--ink);padding:2.5rem 0;display:flex;flex-wrap:wrap;gap:1.5rem 3rem}
.row:last-child{border-bottom:1px solid var(--ink)}
.row-n{flex:0 0 3rem;font-size:.875rem;font-weight:600;color:var(--teal-deep)}
.row-main{flex:1 1 320px;min-width:0;display:flex;flex-direction:column;gap:.9rem}
.row-main .body{max-width:30rem}
.dl{flex:1 1 360px;min-width:0;margin:0;display:flex;flex-direction:column}
.dl div{display:flex;justify-content:space-between;gap:1rem;padding:.85rem 0;border-bottom:1px solid var(--rule)}
.dl dt{font-size:.875rem;color:var(--muted)}
.dl dd{margin:0;font-size:.95rem;font-weight:600;text-align:right}
.dl-ink div{border-bottom-color:var(--ink-line)}
.dl-ink dt{color:var(--on-ink)}

/* Ledger */
.ledger{list-style:none;margin:0;padding:0;border-top:1px solid var(--rule-2)}
.ledger li{display:flex;justify-content:space-between;align-items:baseline;gap:1rem;padding:1.15rem 0;border-bottom:1px solid var(--rule-2);font-size:1.15rem;font-weight:500}
.ledger span{font-size:.75rem;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--muted-2)}

/* Steps */
.steps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:2.5rem 3rem}
.steps li{border-top:1px solid var(--ink);padding-top:1.75rem;display:flex;flex-direction:column;gap:.85rem}
.steps .num{font-size:3.25rem;color:var(--teal-deep)}
.on-ink .steps li{border-top-color:var(--ink-line-2)}
.on-ink .steps .num{color:var(--teal)}

/* Cards (used sparingly: comparisons only) */
.cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:1.5rem}
.panel{border:1px solid var(--rule-2);padding:2rem;display:flex;flex-direction:column;gap:1rem;background:var(--white)}
.panel-ink{background:var(--ink);border-color:var(--ink);color:var(--white)}
.panel-ink .body{color:var(--on-ink)}
.ticks{list-style:none;margin:0;padding:0;display:flex;flex-direction:column}
.ticks li{padding:.75rem 0 .75rem 1.75rem;border-top:1px solid var(--rule);position:relative;font-size:.95rem;line-height:1.55}
.ticks li::before{content:"";position:absolute;left:0;top:1.2rem;width:12px;height:2px;background:var(--teal-deep)}
.panel-ink .ticks li{border-top-color:var(--ink-line)}
.panel-ink .ticks li::before{background:var(--teal)}

/* Terms list (definitions with numbers) */
.terms{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:0 4rem;margin:0}
.terms div{border-top:1px solid var(--rule-2);padding:1.5rem 0 1.75rem;display:flex;flex-direction:column;gap:.6rem}
.terms dt{font-size:1.15rem;font-weight:600;letter-spacing:-.01em}
.terms dd{margin:0;font-size:1rem;line-height:1.7;color:var(--muted)}

/* Big stat */
.stat{display:flex;flex-direction:column;gap:.75rem;padding-top:.5rem}
.stat .num{font-size:clamp(3.5rem,7vw,5.5rem);color:var(--ink)}
.stat .body{max-width:28rem}

/* FAQ */
.faq{display:flex;flex-direction:column;border-top:1px solid var(--ink)}
.faq details{border-bottom:1px solid var(--rule);padding:0}
.faq summary{list-style:none;display:flex;justify-content:space-between;align-items:center;gap:1.5rem;padding:1.4rem 0;font-size:1.125rem;font-weight:600;letter-spacing:-.01em;cursor:pointer}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";flex:0 0 14px;height:14px;background:linear-gradient(var(--teal-deep),var(--teal-deep)) center/14px 2px no-repeat,linear-gradient(var(--teal-deep),var(--teal-deep)) center/2px 14px no-repeat;transition:transform .25s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq .a{padding:0 0 1.5rem;font-size:1rem;line-height:1.7;color:var(--muted);max-width:44rem}

/* CTA band */
.cta{background:var(--ink);color:var(--white)}
.cta-in{display:flex;flex-wrap:wrap;align-items:flex-end;justify-content:space-between;gap:2.5rem 4rem;padding-top:clamp(4rem,8vw,6.5rem);padding-bottom:clamp(4rem,8vw,6.5rem)}
.cta-copy{flex:1 1 520px;min-width:0;display:flex;flex-direction:column;gap:1.25rem}
.cta-act{display:flex;flex-direction:column;align-items:flex-start;gap:.9rem}

/* Prose (legal and long text) */
.prose{max-width:46rem;display:flex;flex-direction:column;gap:1.1rem;font-size:1.0625rem;line-height:1.75;color:var(--muted)}
.prose h2{font-size:1.5rem;font-weight:600;color:var(--text);letter-spacing:-.02em;margin-top:1.75rem}
.prose h3{font-size:1.15rem;font-weight:600;color:var(--text);letter-spacing:-.01em;margin-top:.75rem}
.prose ul{margin:0;padding-left:1.25rem;display:flex;flex-direction:column;gap:.5rem}
.prose strong{color:var(--text)}
.note{border-top:2px solid var(--teal-deep);padding-top:1rem;font-size:.95rem;color:var(--muted)}

/* Agent */
.agent{display:flex;flex-wrap:wrap;gap:2.5rem 4rem;align-items:flex-start}
.agent-photo{flex:0 0 220px;aspect-ratio:1/1;border-radius:50%;background:var(--ink);display:flex;align-items:center;justify-content:center;overflow:hidden}
.agent-photo span{font-size:4.5rem;font-weight:200;letter-spacing:-.04em;color:var(--white)}
.agent-photo img{width:100%;height:100%;object-fit:cover}
.agent-copy{flex:1 1 420px;min-width:0;display:flex;flex-direction:column;gap:1.25rem}

/* Quote survey */
.quote{background:var(--cloud);padding:clamp(3rem,6vw,5rem) 0 var(--sec)}
.qcard{max-width:44rem;margin:0 auto;background:var(--white);border:1px solid var(--rule-2);padding:clamp(1.5rem,4vw,3rem)}
.qprog{display:flex;align-items:center;gap:1rem;margin-bottom:2rem}
.qbar{flex:1;height:3px;background:var(--rule)}
.qbar i{display:block;height:100%;width:33.33%;background:var(--teal-deep);transition:width .35s}
.qcount{font-size:.75rem;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--muted-2);white-space:nowrap}
.qstep{border:0;margin:0;padding:0;display:flex;flex-direction:column;gap:1.5rem}
.qstep legend{display:block;width:100%;padding:0;margin:0 0 1.5rem;font-size:clamp(1.6rem,3vw,2.1rem);font-weight:300;letter-spacing:-.03em;line-height:1.15;color:var(--text)}
.qstep legend b{font-weight:700}
.js .qstep[hidden]{display:none}
.qhint{font-size:.95rem;color:var(--muted);margin-top:-1rem}
.qfields{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:1rem}
.field{display:flex;flex-direction:column;gap:.45rem}
.field label{font-size:.875rem;font-weight:600;color:var(--text)}
.field input,.field select{width:100%;min-height:56px;padding:0 16px;font:400 16px var(--font);color:var(--text);background:#F7F9FB;border:1px solid var(--rule-2);border-radius:2px;-webkit-appearance:none;appearance:none}
.field select{background-image:linear-gradient(45deg,transparent 50%,var(--muted) 50%),linear-gradient(135deg,var(--muted) 50%,transparent 50%);background-position:calc(100% - 22px) 50%,calc(100% - 16px) 50%;background-size:6px 6px;background-repeat:no-repeat;padding-right:44px}
.field input:focus,.field select:focus{outline:none;border-color:var(--teal-deep);box-shadow:0 0 0 3px rgba(11,125,115,.25)}
.field input[aria-invalid="true"],.field select[aria-invalid="true"]{border-color:#B42318}
.ferr{font-size:.8125rem;color:#B42318;min-height:1.1em}
.qnav{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:1rem;margin-top:.5rem}
.qback{min-height:44px;padding:0;background:none;border:0;font:600 .9rem var(--font);color:var(--muted);text-decoration:underline;text-underline-offset:5px;cursor:pointer}
.qback[hidden]{display:none}
.qconsent{font-size:.8125rem;line-height:1.6;color:var(--muted-2);margin-top:1.25rem}
.qmsg{margin-top:1rem;font-size:.95rem;color:#B42318}
.qtrust{max-width:44rem;margin:1.5rem auto 0;display:flex;flex-wrap:wrap;gap:.5rem 2rem;font-size:.8125rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--muted-2)}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}

/* Footer */
.ftr{background:var(--ink-deep);color:var(--on-ink)}
.ftr-in{padding-top:4rem;padding-bottom:2.5rem;display:flex;flex-direction:column;gap:3rem}
.ftr-top{display:flex;flex-wrap:wrap;justify-content:space-between;gap:2.5rem 4rem}
.ftr-brand{flex:1 1 260px;min-width:0;display:flex;flex-direction:column;gap:1.25rem}
.ftr-brand p{font-size:.9rem;max-width:20rem}
.ftr-cols{display:flex;flex-wrap:wrap;gap:2rem 4rem}
.ftr-col{display:flex;flex-direction:column;gap:.1rem}
.ftr-h{margin:0 0 .5rem;font-size:.75rem;font-weight:600;letter-spacing:.18em;text-transform:uppercase;color:var(--on-ink-2)}
.ftr a{color:var(--on-ink-nav);text-decoration:none;font-size:.875rem;padding:6px 0;display:inline-block}
.ftr a:hover{color:var(--white)}
.ftr-mail{color:var(--white)!important}
.ftr-bot{border-top:1px solid var(--ink-line);padding-top:1.75rem;display:flex;flex-wrap:wrap;justify-content:space-between;gap:1rem 3rem;font-size:.8125rem;line-height:1.7;color:var(--on-ink-2)}
.ftr-bot p:first-child{flex:1 1 520px}
.ftr-legal{display:flex;flex-wrap:wrap;gap:0 1.5rem}

/* Consent banner */
.consent{position:fixed;left:16px;right:16px;bottom:16px;z-index:50;max-width:40rem;margin:0 auto;background:var(--ink);color:var(--white);border:1px solid var(--ink-line-2);padding:1.25rem 1.5rem;display:flex;flex-wrap:wrap;align-items:center;gap:1rem 1.5rem;box-shadow:0 18px 40px rgba(7,23,39,.35)}
.consent[hidden]{display:none}
.consent p{flex:1 1 280px;font-size:.875rem;line-height:1.6;color:var(--on-ink)}
.consent a{color:var(--white)}
.consent .btns{gap:.75rem}
.consent .btn-ghost{color:var(--white);box-shadow:inset 0 0 0 1px var(--ink-line-2)}
.consent .btn-ghost:hover{background:var(--ink-raise)}

/* Line art motion: drawn on load, still for reduced motion */
.art .draw{stroke-dasharray:var(--len,1200);stroke-dashoffset:var(--len,1200);animation:draw 2.2s cubic-bezier(.65,0,.35,1) forwards}
.art .d2{animation-delay:.35s}.art .d3{animation-delay:.7s}.art .d4{animation-delay:1.05s}
.art .fade{opacity:0;animation:fade 1.2s ease 1.4s forwards}
@keyframes draw{to{stroke-dashoffset:0}}
@keyframes fade{to{opacity:1}}
.art .spin{transform-box:fill-box;transform-origin:center;animation:spin 60s linear infinite}
@keyframes spin{to{transform:rotate(360deg)}}

/* Reveal on scroll; the script adds .js, and a failsafe shows everything after 2.5 s */
.js .rv{opacity:0;transform:translateY(18px);transition:opacity .8s ease,transform .8s ease}
.js .rv.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){
  .art .draw{animation:none;stroke-dashoffset:0}
  .art .fade{animation:none;opacity:1}
  .art .spin{animation:none}
  .js .rv{opacity:1;transform:none;transition:none}
}
@media print{.hdr,.consent,.cta,.ftr-cols{display:none}}