/* Topic-specific content below the main story tabs. */
.topic-page {
  --topic-navy: var(--navy, #153d5e);
  --topic-teal: var(--teal, #0b817d);
  --topic-ink: #294357;
  --topic-muted: #617381;
  --topic-line: #e1e8ee;
  --topic-accent: #315e80;
  --topic-tint: #eef4f7;
  color: var(--topic-ink);
}
.topic-page[data-story-content='coverage'] { --topic-accent: #0b817d; --topic-tint: #edf6f2; }
.topic-page[data-story-content='claim'] { --topic-accent: #667767; --topic-tint: #f4f5ef; }
.topic-page[hidden] { display: none !important; }
.topic-page *, .topic-page *::before, .topic-page *::after { box-sizing: border-box; }
.topic-page h2, .topic-page h3, .topic-page p, .topic-page dl, .topic-page dd { margin: 0; }
.topic-shell { width: min(1200px, calc(100% - 96px)); margin-inline: auto; }
.topic-section { padding: 104px 0; }
.topic-section-soft { background: #f7f9fa; border-block: 1px solid #edf1f4; }
.topic-heading { margin-bottom: 44px; }
.topic-heading-split { display: grid; grid-template-columns: 1.25fr 1fr; align-items: end; gap: 52px; }
.topic-page .topic-eyebrow { margin-bottom: 19px; color: var(--topic-accent); font-size: 13px; font-weight: 650; line-height: 1.7; letter-spacing: .1px; }
.topic-heading h2 { color: var(--topic-navy); font-size: clamp(32px, 3.2vw, 43px); font-weight: 680; line-height: 1.38; letter-spacing: -1.65px; word-break: keep-all; }
.topic-heading h2 > span { color: var(--topic-teal); }
.topic-page .topic-lead { color: var(--topic-muted); font-size: 16px; line-height: 1.95; letter-spacing: -.2px; word-break: keep-all; }
.topic-heading > .topic-lead { margin-top: 24px; }
.topic-heading-split > .topic-lead { margin: 0 0 4px; }
.topic-check-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 22px; }
.topic-check-card { padding: 31px 29px 27px; border: 1px solid var(--topic-line); border-radius: 22px; background: #fff; }
.topic-card-top { display: flex; align-items: center; justify-content: space-between; margin-bottom: 26px; }
.topic-card-icon { width: 47px; height: 47px; display: grid; place-items: center; border-radius: 14px; background: var(--topic-tint); color: var(--topic-accent); }
.topic-card-icon .icon { width: 25px; height: 25px; }
.topic-card-number { color: #91a5b1; font-size: 13px; line-height: 1.4; font-variant-numeric: tabular-nums; letter-spacing: 1px; }
.topic-page .topic-card-label { margin-bottom: 9px; color: var(--topic-accent); font-size: 13px; font-weight: 600; line-height: 1.8; }
.topic-check-card h3, .topic-claim-card h3 { color: var(--topic-navy); font-size: 25px; font-weight: 650; line-height: 1.5; letter-spacing: -.85px; }
.topic-page .topic-card-copy { margin-top: 16px; color: var(--topic-muted); font-size: 15px; line-height: 1.85; word-break: keep-all; }
.topic-check-list { display: grid; gap: 13px; list-style: none; margin: 25px 0 0; padding: 22px 0 0; border-top: 1px solid #e8eef2; }
.topic-check-list li { display: flex; align-items: start; gap: 9px; color: #5d7688; font-size: 14px; line-height: 1.75; }
.topic-check-list .icon { width: 17px; height: 17px; margin-top: 4px; color: var(--topic-accent); }
.topic-takeaway { display: flex; align-items: flex-start; gap: 12px; margin-top: 27px; padding: 20px 22px; border-radius: 15px; background: var(--topic-tint); }
.topic-takeaway > .icon { width: 21px; height: 21px; margin-top: 3px; color: var(--topic-accent); }
.topic-takeaway p { color: #647d8a; font-size: 14px; line-height: 1.9; word-break: keep-all; }
.topic-takeaway strong { color: #3c5b70; font-weight: 650; }
.topic-preparation-layout { display: grid; grid-template-columns: .85fr 1.15fr; gap: 96px; align-items: start; }
.topic-preparation-layout .topic-heading { margin: 0; }
.topic-prep-list { list-style: none; padding: 0; margin: 0; }
.topic-prep-list > li { display: flex; align-items: flex-start; gap: 22px; border-bottom: 1px solid #dfe7ed; padding: 26px 0; }
.topic-prep-list > li:first-child { padding-top: 4px; }
.topic-prep-index { flex: 0 0 25px; padding-top: 4px; color: var(--topic-accent); font-size: 13px; line-height: 1.6; font-weight: 600; letter-spacing: .6px; }
.topic-prep-list h3 { color: var(--topic-navy); font-size: 21px; font-weight: 650; line-height: 1.5; letter-spacing: -.55px; }
.topic-prep-list p { margin-top: 10px; color: var(--topic-muted); font-size: 15px; line-height: 1.9; word-break: keep-all; }
.topic-conversation { display: flex; align-items: flex-start; gap: 16px; margin-top: 28px; padding: 25px 26px; border: 1px solid #e0e9ed; border-radius: 18px; background: #fff; box-shadow: 0 5px 20px #153d5e03; }
.topic-conversation-icon { display: grid; place-items: center; width: 33px; height: 33px; color: var(--topic-accent); background: var(--topic-tint); border-radius: 10px; flex: 0 0 auto; }
.topic-conversation-icon .icon { width: 20px; height: 20px; }
.topic-page .topic-conversation-label { color: #758994; font-size: 13px; line-height: 1.7; margin-bottom: 9px; }
.topic-conversation-quote { color: #395d72; font-size: 16px; font-weight: 550; line-height: 1.9; letter-spacing: -.2px; word-break: keep-all; }
.topic-process-list { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); list-style: none; padding: 0; margin: 47px 0 0; border: 1px solid var(--topic-line); border-radius: 22px; overflow: hidden; }
.topic-process-list > li { min-width: 0; padding: 31px 29px 27px; background: #fff; }
.topic-process-list > li + li { border-left: 1px solid var(--topic-line); }
.topic-step { display: block; width: 35px; height: 35px; margin-bottom: 24px; border-radius: 11px; background: var(--topic-tint); color: var(--topic-accent); font-size: 13px; font-weight: 650; line-height: 35px; text-align: center; font-variant-numeric: tabular-nums; }
.topic-process-list h3 { color: var(--topic-navy); font-size: 20px; line-height: 1.5; letter-spacing: -.6px; font-weight: 650; }
.topic-process-list p { margin-top: 13px; color: var(--topic-muted); font-size: 15px; line-height: 1.9; word-break: keep-all; }
.topic-step-caption { display: block; margin-top: 24px; padding-top: 18px; border-top: 1px solid #edf1f3; color: var(--topic-accent); font-size: 13px; line-height: 1.75; font-weight: 550; }
.topic-final { padding: 0 0 90px; }
.topic-final-panel { display: grid; grid-template-columns: minmax(0, 1fr) 255px; align-items: center; gap: 55px; padding: 50px 55px; border-radius: 25px; background: var(--topic-navy); color: #fff; overflow: hidden; }
.topic-final-copy { position: relative; z-index: 1; }
.topic-final-copy .topic-eyebrow { color: #abd0ce; margin-bottom: 18px; }
.topic-final-copy h2 { color: #fff; font-size: 36px; font-weight: 620; line-height: 1.45; letter-spacing: -1.2px; }
.topic-final-copy > p:not(.topic-eyebrow) { margin-top: 17px; color: #c2d4de; font-size: 15px; line-height: 1.85; word-break: keep-all; }
.topic-page .topic-action { display: inline-flex; align-items: center; justify-content: center; gap: 27px; min-height: 54px; margin-top: 29px; padding: 15px 23px; border: 1px solid transparent; border-radius: 12px; background: #fff; color: var(--topic-navy); font: inherit; font-size: 15px; font-weight: 650; line-height: 1.6; text-align: left; cursor: pointer; transition: background .18s, box-shadow .18s; }
.topic-action > .icon { width: 19px; height: 19px; }
.topic-page .topic-action:hover { background: #eaf5f2; box-shadow: 0 6px 18px #09263b22; }
.topic-page .topic-action:focus-visible { outline: 3px solid #a1ddd6; outline-offset: 5px; }
.topic-final-symbol { display: flex; flex-direction: column; align-items: center; justify-content: center; width: 232px; height: 232px; border: 1px solid #ffffff20; border-radius: 50%; background: #ffffff03; gap: 24px; color: #a7cfce; }
.topic-final-symbol > .icon { width: 68px; height: 68px; stroke-width: 1.1; }
.topic-final-symbol > span { color: #a6c1ce; font-size: 13px; line-height: 1.8; letter-spacing: -.2px; }
.topic-page[data-story-content='coverage'] .topic-final-panel { background: #17494e; }
.topic-page[data-story-content='claim'] .topic-final-panel { background: #254754; }

/* Coverage compares life, composition and contract conditions in separate rows. */
.topic-coverage-map { border: 1px solid #dfe8e7; border-radius: 22px; overflow: hidden; }
.topic-coverage-row { display: grid; grid-template-columns: 170px 1.1fr 1fr; align-items: center; gap: 36px; padding: 33px 32px; }
.topic-coverage-row + .topic-coverage-row { border-top: 1px solid #e3ebe9; }
.topic-coverage-key { min-height: 104px; display: flex; flex-direction: column; align-items: flex-start; justify-content: space-between; padding: 2px 0; color: var(--topic-accent); }
.topic-coverage-key > span { color: #44817b; font-size: 13px; font-weight: 600; line-height: 1.8; }
.topic-coverage-key > .icon { width: 34px; height: 34px; stroke-width: 1.35; }
.topic-coverage-main h3 { color: var(--topic-navy); font-size: 23px; font-weight: 650; line-height: 1.5; letter-spacing: -.7px; }
.topic-coverage-main p { margin-top: 12px; color: var(--topic-muted); font-size: 15px; line-height: 1.85; word-break: keep-all; }
.topic-compact-list { list-style: none; margin: 0; padding: 19px 21px; border-radius: 14px; background: #f3f8f6; }
.topic-compact-list li { position: relative; padding-left: 13px; color: #5a7a77; font-size: 14px; line-height: 1.85; }
.topic-compact-list li + li { margin-top: 8px; }
.topic-compact-list li::before { content: ''; position: absolute; top: .85em; left: 0; width: 4px; height: 4px; border-radius: 50%; background: #7da59e; }

/* Claims follows information already at hand: visit, policy, paperwork. */
.topic-claim-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 22px; }
.topic-claim-card { padding: 29px 29px 26px; border: 1px solid #e3e7e4; border-radius: 22px; background: #fcfdfb; }
.topic-claim-top { display: flex; align-items: center; justify-content: space-between; margin-bottom: 27px; }
.topic-claim-details { margin-top: 25px !important; border-top: 1px solid #e4e9e2; padding-top: 20px; display: grid; gap: 12px; }
.topic-claim-details > div { display: grid; grid-template-columns: 31px minmax(0, 1fr); gap: 13px; font-size: 14px; line-height: 1.8; }
.topic-claim-details dt { color: #6c7f6e; font-weight: 600; }
.topic-claim-details dd { color: #6c7c7d; word-break: keep-all; }

@media (max-width: 1150px) {
  .topic-shell { width: calc(100% - 64px); }
  .topic-heading-split { grid-template-columns: 1.1fr 1fr; gap: 35px; }
  .topic-check-grid, .topic-claim-grid { gap: 18px; }
  .topic-check-card, .topic-claim-card { padding-inline: 23px; }
  .topic-check-card h3, .topic-claim-card h3 { font-size: 23px; }
  .topic-preparation-layout { gap: 65px; }
  .topic-process-list > li { padding-inline: 23px; }
  .topic-coverage-row { grid-template-columns: 137px 1.1fr 1fr; gap: 26px; padding-inline: 26px; }
  .topic-coverage-main h3 { font-size: 21px; }
  .topic-compact-list { padding-inline: 17px; }
  .topic-final-panel { padding-inline: 42px; gap: 32px; grid-template-columns: minmax(0, 1fr) 215px; }
  .topic-final-symbol { width: 210px; height: 210px; }
}
@media (max-width: 900px) {
  .topic-shell { width: calc(100% - 48px); }
  .topic-section { padding-block: 80px; }
  .topic-heading-split { display: block; }
  .topic-heading-split > .topic-lead { margin-top: 22px; }
  .topic-heading h2 { font-size: 37px; }
  .topic-check-grid, .topic-claim-grid { gap: 14px; }
  .topic-check-card, .topic-claim-card { padding: 23px 19px; }
  .topic-check-card h3, .topic-claim-card h3 { font-size: 21px; }
  .topic-page .topic-card-copy { font-size: 14px; }
  .topic-check-list { gap: 11px; }
  .topic-check-list li, .topic-claim-details > div { font-size: 13px; }
  .topic-preparation-layout { grid-template-columns: .82fr 1.18fr; gap: 38px; }
  .topic-prep-list > li { gap: 16px; }
  .topic-prep-list h3 { font-size: 19px; }
  .topic-prep-list p { font-size: 14px; }
  .topic-conversation { gap: 12px; padding: 21px 19px; }
  .topic-conversation-quote { font-size: 15px; }
  .topic-conversation-quote br { display: none; }
  .topic-process-list > li { padding: 27px 21px 23px; }
  .topic-process-list h3 { font-size: 18px; }
  .topic-process-list p { font-size: 14px; }
  .topic-coverage-row { grid-template-columns: 115px minmax(0, 1fr); gap: 17px 26px; }
  .topic-coverage-key { grid-row: span 2; align-self: stretch; justify-content: flex-start; gap: 23px; }
  .topic-compact-list { grid-column: 2; }
  .topic-final-panel { padding: 39px 32px; grid-template-columns: minmax(0, 1fr) 155px; gap: 25px; }
  .topic-final-copy h2 { font-size: 30px; }
  .topic-final-copy > p:not(.topic-eyebrow) { font-size: 14px; }
  .topic-final-symbol { width: 155px; height: 155px; gap: 18px; }
  .topic-final-symbol > .icon { width: 45px; height: 45px; }
  .topic-final-symbol > span { font-size: 11px; }
  .topic-final { padding-bottom: 70px; }
}
@media (max-width: 640px) {
  .topic-shell { width: calc(100% - 32px); }
  .topic-section { padding-block: 57px; }
  .topic-heading { margin-bottom: 29px; }
  .topic-page .topic-eyebrow { font-size: 12px; margin-bottom: 15px; }
  .topic-heading h2 { font-size: clamp(26px, 7.2vw, 32px); line-height: 1.45; letter-spacing: -1.05px; }
  .topic-page .topic-lead { font-size: 14px; line-height: 1.95; }
  .topic-heading-split > .topic-lead { margin-top: 19px; }
  .topic-desktop-break { display: none; }
  .topic-check-grid, .topic-claim-grid { grid-template-columns: minmax(0, 1fr); gap: 15px; }
  .topic-check-card, .topic-claim-card { padding: 25px 23px; border-radius: 19px; }
  .topic-card-top, .topic-claim-top { margin-bottom: 21px; }
  .topic-card-icon { width: 42px; height: 42px; border-radius: 12px; }
  .topic-card-icon .icon { width: 23px; height: 23px; }
  .topic-page .topic-card-label { font-size: 13px; margin-bottom: 7px; }
  .topic-check-card h3, .topic-claim-card h3 { font-size: 24px; letter-spacing: -.7px; line-height: 1.5; }
  .topic-page .topic-card-copy { margin-top: 13px; font-size: 15px; }
  .topic-check-list { margin-top: 22px; padding-top: 19px; gap: 11px; }
  .topic-check-list li { font-size: 14px; }
  .topic-takeaway { gap: 10px; padding: 17px 18px; margin-top: 20px; }
  .topic-takeaway p { font-size: 13px; line-height: 1.9; }
  .topic-takeaway strong { display: block; margin-bottom: 3px; }
  .topic-takeaway > .icon { width: 19px; height: 19px; }
  .topic-preparation-layout { grid-template-columns: minmax(0, 1fr); gap: 29px; }
  .topic-prep-list > li { padding: 22px 0; gap: 15px; }
  .topic-prep-index { flex-basis: 23px; font-size: 13px; }
  .topic-prep-list h3 { font-size: 20px; }
  .topic-prep-list p { font-size: 14px; line-height: 1.9; margin-top: 9px; }
  .topic-conversation { margin-top: 23px; padding: 21px 19px; }
  .topic-page .topic-conversation-label { font-size: 12px; }
  .topic-conversation-quote { font-size: 15px; }
  .topic-process-list { grid-template-columns: minmax(0, 1fr); margin-top: 31px; border-radius: 19px; }
  .topic-process-list > li { padding: 25px 23px; }
  .topic-process-list > li + li { border-left: 0; border-top: 1px solid var(--topic-line); }
  .topic-step { width: 32px; height: 32px; line-height: 32px; margin-bottom: 17px; border-radius: 10px; }
  .topic-process-list h3 { font-size: 21px; line-height: 1.55; }
  .topic-process-list p { font-size: 14px; margin-top: 11px; }
  .topic-step-caption { font-size: 13px; margin-top: 19px; padding-top: 15px; }
  .topic-coverage-map { border-radius: 19px; }
  .topic-coverage-row { grid-template-columns: minmax(0, 1fr); gap: 17px; padding: 25px 23px; }
  .topic-coverage-key { grid-row: auto; min-height: auto; flex-direction: row; align-items: center; justify-content: space-between; gap: 15px; }
  .topic-coverage-key > span { font-size: 13px; }
  .topic-coverage-key > .icon { width: 29px; height: 29px; }
  .topic-coverage-main h3 { font-size: 23px; line-height: 1.55; }
  .topic-coverage-main p { margin-top: 10px; font-size: 15px; }
  .topic-compact-list { grid-column: auto; padding: 16px 18px; }
  .topic-compact-list li { font-size: 14px; }
  .topic-claim-details { margin-top: 22px !important; padding-top: 19px; }
  .topic-claim-details > div { grid-template-columns: 31px minmax(0, 1fr); gap: 13px; font-size: 14px; }
  .topic-final { padding-bottom: 49px; }
  .topic-final-panel { grid-template-columns: minmax(0, 1fr); gap: 0; padding: 32px 25px; border-radius: 21px; }
  .topic-final-copy .topic-eyebrow { margin-bottom: 15px; }
  .topic-final-copy h2 { font-size: clamp(23px, 6.2vw, 29px); letter-spacing: -.8px; line-height: 1.5; }
  .topic-final-copy > p:not(.topic-eyebrow) { font-size: 14px; margin-top: 14px; }
  .topic-page .topic-action { min-height: 52px; max-width: 100%; margin-top: 24px; padding: 14px 18px; gap: 18px; font-size: 14px; border-radius: 11px; }
  .topic-final-symbol { display: none; }
}
@media (prefers-reduced-motion: reduce) {
  .topic-page .topic-action { transition: none; }
}