/* Shared modern resource guides and insurance-directory brand pages. */
.tfg-hero{background:radial-gradient(circle at 86% 17%,#dbeafe 0,transparent 31%),linear-gradient(140deg,#f8fbff,#f0f6ff);border-bottom:1px solid #dce7f3;padding:2.1rem 0 3.4rem}
.tfg-crumbs{display:flex;align-items:center;gap:.65rem;flex-wrap:wrap;color:#64748b;font-size:.82rem;margin-bottom:2.5rem}
.tfg-crumbs a{color:#1d4ed8;text-decoration:none;font-weight:600}.tfg-crumbs i{font-size:.66rem}
.tfg-hero-grid{display:grid;grid-template-columns:minmax(0,1.6fr) minmax(240px,.75fr);gap:3rem;align-items:center}
.tfg-eyebrow{display:inline-flex;align-items:center;gap:.5rem;color:#2563eb;font-size:.78rem;text-transform:uppercase;letter-spacing:.09em;font-weight:800}
.tfg-hero h1{font-size:clamp(2.2rem,4.6vw,4rem);letter-spacing:-.048em;line-height:1.08;color:#10233e;max-width:850px;margin:1rem 0 1.2rem;font-weight:800}
.tfg-lead{font-size:clamp(1.08rem,1.4vw,1.25rem);line-height:1.75;color:#475569;max-width:760px}
.tfg-hero-actions{display:flex;flex-wrap:wrap;gap:.75rem;margin-top:1.8rem}.tfg-hero-actions .btn{padding:.8rem 1rem;font-weight:600;border-radius:.8rem}
.tfg-trust{display:flex;align-items:center;gap:.55rem;flex-wrap:wrap;margin-top:1.3rem;color:#64748b;font-size:.83rem}.tfg-trust i{color:#0f9c8a}
.tfg-hero-aside{background:#fff;border:1px solid #dbe6f3;border-radius:1.4rem;padding:2rem;box-shadow:0 18px 48px rgba(37,99,235,.07);display:flex;flex-direction:column;align-items:flex-start;gap:.7rem}
.tfg-hero-symbol{display:grid;place-items:center;width:62px;height:62px;border-radius:1rem;background:#eff6ff;color:#2563eb;font-size:1.7rem}.tfg-hero-aside strong{font-size:1.3rem;color:#10233e}.tfg-hero-aside p{color:#64748b;line-height:1.6;margin:0}.tfg-hero-count{font-size:.8rem;font-weight:700;color:#2563eb}
.tfg-main{padding:3rem 0 5rem;background:var(--bs-body-bg,#fff)}.tfg-panel{background:var(--bs-body-bg,#fff);border:1px solid var(--bs-border-color,#e2e8f0);border-radius:1.2rem;padding:clamp(1.2rem,2.5vw,2.2rem);margin-bottom:1.5rem;box-shadow:0 6px 28px rgba(15,23,42,.035)}
.tfg-panel h2,.tfg-bottom-cta h2{font-size:clamp(1.35rem,2vw,1.8rem);font-weight:750;letter-spacing:-.025em;margin:.6rem 0;color:var(--bs-heading-color,inherit)}
.tfg-section-top{margin-bottom:1.35rem}.tfg-section-top p{color:var(--bs-secondary-color,#64748b);margin:.4rem 0 0}.tfg-intro{font-size:1.07rem;line-height:1.8;color:var(--bs-secondary-color,#475569);margin-bottom:1.5rem}.tfg-intro p{margin:0 0 1rem}
.tfg-destination-list{display:grid;gap:1rem}.tfg-destination{padding:1.2rem;border:1px solid var(--bs-border-color,#e2e8f0);background:var(--bs-tertiary-bg,#f8fafc);border-radius:1rem}
.tfg-destination h3{font-size:1rem;font-weight:750;margin:0;color:var(--bs-heading-color,inherit)}.tfg-source-badge{font-size:.73rem;padding:.3rem .65rem;background:#e6f6f0;color:#166b52;border-radius:100px;font-weight:700}
.tfg-fax-number{font-size:1.55rem;font-weight:800;letter-spacing:.015em;margin:.8rem 0 .4rem;font-variant-numeric:tabular-nums}.tfg-destination p{color:var(--bs-secondary-color,#64748b);line-height:1.55;font-size:.92rem;margin:0 0 1rem}
.tfg-destination-actions{display:flex;align-items:center;gap:.65rem;flex-wrap:wrap}.tfg-destination-actions .btn{border-radius:.55rem;font-weight:650}.tfg-text-link{font-size:.83rem;font-weight:650;color:#2563eb;text-decoration:none}.tfg-text-link:hover{text-decoration:underline}
.tfg-disclaimer{border-top:1px solid var(--bs-border-color,#e2e8f0);padding-top:1.2rem;color:var(--bs-secondary-color,#64748b);font-size:.86rem;margin:1.5rem 0 0}
.tfg-empty{display:flex;gap:1rem;background:var(--bs-tertiary-bg,#f8fafc);border-radius:1rem;padding:1.5rem}.tfg-empty>i{font-size:1.4rem;color:#2563eb}.tfg-empty strong{display:block;margin-bottom:.5rem}.tfg-empty p{line-height:1.7;color:var(--bs-secondary-color,#64748b)}
.tfg-steps{display:flex;flex-direction:column;gap:1.75rem}.tfg-step{display:grid;grid-template-columns:46px 1fr;gap:1rem}.tfg-step-index{height:42px;width:42px;display:grid;place-items:center;border-radius:.75rem;background:#eaf2ff;color:#2563eb;font-weight:800}.tfg-step h3{font-size:1.12rem;font-weight:750;margin:.2rem 0 .6rem}.tfg-step-body{font-size:.95rem;line-height:1.8;color:var(--bs-secondary-color,#475569)}.tfg-step-body p{margin-bottom:.8rem}
.tfg-checkout-anchor{position:sticky;top:1.3rem}.tfg-checkout-anchor .tf-checkout-card{box-shadow:0 13px 38px rgba(15,23,42,.08)}.tfg-agency-link{display:flex;justify-content:space-between;gap:1rem;align-items:center;padding:1rem 0;border-bottom:1px solid var(--bs-border-color,#e2e8f0);font-weight:600;text-decoration:none}.tfg-agency-link span{color:var(--bs-secondary-color,#64748b);font-size:.8rem}.tfg-bottom-cta{border-radius:1.2rem;padding:2rem;background:#eff6ff;color:#10233e}.tfg-bottom-cta p{color:#475569}
.tfg-info-panel p{line-height:1.75}.tfg-related{margin:2rem 0}.tfg-mobile-cta{position:fixed;bottom:0;left:0;right:0;display:flex;align-items:center;justify-content:space-between;gap:1rem;background:var(--bs-body-bg,#fff);border-top:1px solid var(--bs-border-color,#e2e8f0);padding:.7rem 1rem;z-index:1030;box-shadow:0 -5px 24px rgba(15,23,42,.06)}.tfg-mobile-cta span{display:flex;flex-direction:column}.tfg-mobile-cta small{color:var(--bs-secondary-color,#64748b)}
@media(max-width:991px){.tfg-hero-grid{grid-template-columns:1fr}.tfg-hero-aside{display:none}.tfg-checkout-anchor{position:static}.tfg-main{padding-bottom:6rem}}
@media(max-width:575px){.tfg-hero{padding:1rem 0 2.4rem}.tfg-crumbs{margin-bottom:1.5rem}.tfg-hero h1{font-size:2.3rem}.tfg-panel{padding:1.25rem}.tfg-destination-actions .btn{flex:1}.tfg-mobile-cta{padding-bottom:calc(.7rem + env(safe-area-inset-bottom))}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto!important}}


/* Conversion-first guide layout: the form starts beside the heading, not
   one full-screen hero section below it. Shared by all guides and insurers. */
.tfg-guide-page{padding:1.15rem 0 4.5rem;background:linear-gradient(180deg,var(--bs-tertiary-bg,#f7f9fd),var(--bs-body-bg,#fff) 390px)}
.tfg-guide-page .tfg-crumbs{margin:0 0 1.35rem;line-height:1.5}
.tfg-guide-layout{display:grid;grid-template-columns:minmax(0,1fr) minmax(430px,.94fr);grid-template-areas:"intro form" "content form";align-items:start;gap:1.4rem clamp(1.25rem,3vw,3.2rem)}
.tfg-page-intro{grid-area:intro;background:linear-gradient(135deg,#f8fbff,#edf4ff);border:1px solid #dce8f6;border-radius:1.35rem;padding:clamp(1.5rem,3vw,2.4rem);min-width:0}
.tfg-page-intro h1{color:#13243d;font-size:clamp(2rem,3.15vw,3rem);line-height:1.12;letter-spacing:-.042em;font-weight:800;margin:1rem 0}
.tfg-page-intro .tfg-lead{font-size:1.02rem;line-height:1.7;margin:0}
.tfg-page-intro .tfg-hero-actions{margin-top:1.45rem}
.tfg-page-intro .tfg-trust{line-height:1.5;margin:1rem 0 0}
.tfg-guide-content{grid-area:content;min-width:0}
.tfg-guide-content .tfg-panel{margin-bottom:1.3rem}
.tfg-guide-content .tfg-intro{padding:0 .25rem}
.tfg-form-column{grid-area:form;min-width:0;align-self:stretch}
.tfg-form-shell{position:sticky;top:1.35rem;border:1px solid var(--bs-border-color,#dae4ef);border-radius:1.35rem;background:var(--bs-body-bg,#fff);padding:1.15rem;box-shadow:0 16px 50px rgba(23,42,72,.09)}
.tfg-form-intro{padding:.35rem .25rem 1rem}
.tfg-form-intro h2{font-size:1.45rem;line-height:1.2;font-weight:800;letter-spacing:-.025em;margin:.5rem 0;color:var(--bs-heading-color,#15233c)}
.tfg-form-intro p{font-size:.87rem;color:var(--bs-secondary-color,#64748b);line-height:1.5;margin:0}
.tfg-form-shell .tfg-checkout-anchor{position:static;top:auto}
.tfg-form-shell .tf-checkout-card{width:100%;max-width:none;margin:0;padding:1.15rem!important;border-radius:1rem;box-shadow:none!important}
.tfg-form-column .tf-contact-step-row>.col-lg-7,.tfg-form-column .tf-contact-step-row>.col-lg-5{flex:0 0 100%;max-width:100%;width:100%}
.tfg-form-column .tf-contact-step-row>[class*="col-"]+[class*="col-"]{border-left:0;border-top:1px solid var(--bs-border-color,#ece9e5)}
.tfg-form-shell .alert{border-radius:.75rem;margin-bottom:.75rem}
.tfg-guide-page .tfg-bottom-cta{padding:1.5rem}
.tfg-guide-page .tfg-destination-actions .btn{white-space:normal}
@media(max-width:1199px){
  .tfg-guide-layout{grid-template-columns:minmax(0,1fr) minmax(420px,.94fr);column-gap:1.4rem}
  .tfg-page-intro{padding:1.55rem}
  .tfg-form-shell{padding:.9rem}
}
@media(max-width:991px){
  .tfg-guide-page{padding:1rem 0 6.2rem}
  .tfg-guide-layout{grid-template-columns:minmax(0,1fr);grid-template-areas:"intro" "form" "content";gap:1.25rem}
  .tfg-form-column{align-self:auto}
  .tfg-form-shell{position:static;box-shadow:0 8px 24px rgba(15,23,42,.06)}
  .tfg-page-intro h1{font-size:clamp(2rem,6vw,2.6rem)}
}
@media(max-width:575px){
  .tfg-page-intro{padding:1.3rem}
  .tfg-page-intro h1{font-size:2rem}
  .tfg-page-intro .tfg-hero-actions .btn{flex:1 1 auto}
  .tfg-form-shell{padding:.8rem}
  .tfg-form-shell .tf-checkout-card{padding:1rem!important}
  .tfg-guide-page .tfg-crumbs{margin-bottom:1rem}
}