/* Life insurance guide. Independent local styles, no remote fonts. */
body.jfea-insurance-page{--ifp-paper:#fbfaf4;--ifp-white:#fffef9;--ifp-ink:#123f43;--ifp-text:#344746;--ifp-muted:#65716c;--ifp-mint:#e4efe9;--ifp-brass:#aa823a;--ifp-saffron:#edc66c;--ifp-line:#d9e1d9;--ifp-serif:Georgia,"Times New Roman",serif;--ifp-sans:Inter,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;margin:0;padding:0;background:var(--ifp-paper);color:var(--ifp-text);font:18px/1.8 var(--ifp-sans);-webkit-font-smoothing:antialiased}
.jfea-insurance-page *,.jfea-insurance-page *::before,.jfea-insurance-page *::after{box-sizing:border-box}
.jfea-insurance-page img{max-width:100%;height:auto}.jfea-insurance-page a{color:#235f5f;text-underline-offset:.2em;text-decoration-thickness:1px}.jfea-insurance-page a:hover{text-decoration-thickness:2px}.jfea-insurance-page :focus-visible{outline:3px solid #967326;outline-offset:5px}.jfea-insurance-page button,.jfea-insurance-page input{font:inherit}.jfea-insurance-page [id]{scroll-margin-top:108px}
.jfea-insurance-page .ifp-main,.jfea-insurance-page .ifp-article{display:block;width:100%;max-width:none;margin:0;padding:0;border:0;background:transparent}
.jfea-insurance-page .ifp-skip{position:fixed;z-index:999999;top:12px;left:16px;padding:10px 20px;background:white;color:var(--ifp-ink);border:2px solid currentColor;transform:translateY(-180%)}.jfea-insurance-page .ifp-skip:focus{transform:none}
.ifp-site-header{position:sticky;top:0;z-index:1000;border-bottom:1px solid var(--ifp-line);background:rgba(251,250,244,.97);backdrop-filter:blur(12px)}.admin-bar .ifp-site-header{top:32px}
.ifp-header-inner{max-width:1280px;min-height:77px;margin:auto;padding:0 40px;display:flex;justify-content:space-between;align-items:center;gap:24px}
.jfea-insurance-page .ifp-wordmark{color:var(--ifp-ink);text-decoration:none;font-size:25px;line-height:1;font-weight:800;letter-spacing:.12em;white-space:nowrap}.ifp-wordmark span{color:var(--ifp-brass)}
.ifp-header-nav{display:flex;gap:32px;align-items:center;font-size:13px;font-weight:700}.ifp-header-nav a{color:var(--ifp-ink);text-decoration:none}.ifp-header-nav a:last-child{padding:10px 17px;border:1px solid var(--ifp-ink);border-radius:25px}.ifp-header-nav a:last-child:hover{background:var(--ifp-ink);color:var(--ifp-white)}
.ifp-progress{position:absolute;left:0;right:0;bottom:-1px;height:2px;overflow:hidden;pointer-events:none}.ifp-progress span{display:block;height:100%;background:var(--ifp-brass);transform:scaleX(0);transform-origin:left}
.ifp-cover{width:min(calc(100% - 80px),1160px);margin:0 auto}.ifp-breadcrumb{display:flex;justify-content:center;align-items:center;gap:15px;padding:31px 0 35px;color:var(--ifp-muted);font-size:9px;line-height:1.4;letter-spacing:.14em;font-weight:700}.ifp-breadcrumb a{color:inherit;text-decoration:none}
.ifp-cover-copy{text-align:center;max-width:1000px;margin:0 auto}.ifp-eyebrow{margin:0 0 14px;font:750 10px/1.5 var(--ifp-sans);letter-spacing:.16em;text-transform:uppercase;color:#61756b}.ifp-cover-copy .ifp-eyebrow{display:flex;align-items:center;justify-content:center;gap:10px;color:#526b63}.ifp-cover-copy .ifp-eyebrow>span{width:6px;height:6px;border-radius:50%;background:var(--ifp-brass)}
.ifp-cover h1{font:normal clamp(38px,4.4vw,62px)/1.1 var(--ifp-serif);letter-spacing:-.045em;color:var(--ifp-ink);text-wrap:balance;overflow-wrap:break-word;margin:0 auto 23px;max-width:990px}.ifp-cover-intro{max-width:750px;font-size:18px;line-height:1.7;color:var(--ifp-muted);margin:0 auto 30px;text-wrap:pretty}
.ifp-byline{display:flex;align-items:center;justify-content:center;gap:40px;margin:0 auto 34px;max-width:960px}.ifp-person{display:flex;align-items:center;gap:12px;min-width:0}.ifp-person img{width:42px;height:42px;border-radius:50%;object-fit:cover;background:var(--ifp-mint);flex-shrink:0}.ifp-person strong,.ifp-person span{display:block;font-size:11px;line-height:1.6}.ifp-person strong{font-weight:750;color:var(--ifp-ink)}.ifp-person span{font-size:10px;color:var(--ifp-muted)}.ifp-meta{display:flex;gap:24px;font-size:10px;line-height:1.6;border-left:1px solid var(--ifp-line);padding-left:30px}.ifp-meta>span>span{display:block;color:var(--ifp-muted);font-size:8px;letter-spacing:.1em;text-transform:uppercase}.ifp-meta strong{font-weight:600;color:var(--ifp-ink)}
.ifp-hero-figure{margin:0;overflow:hidden;background:var(--ifp-mint);border-radius:5px}.ifp-hero-image{display:block;width:100%;aspect-ratio:16/9;object-fit:cover;object-position:center;margin:0}.ifp-hero-figure figcaption{display:flex;justify-content:space-between;gap:20px;padding:15px 20px;color:var(--ifp-ink);font-size:10px;line-height:1.5}.ifp-hero-figure figcaption span:first-child{font-size:9px;font-weight:750;letter-spacing:.12em}
.ifp-answer{width:min(calc(100% - 80px),1160px);margin:28px auto 0;display:grid;grid-template-columns:280px minmax(0,1fr);gap:48px;padding:38px 42px;background:var(--ifp-mint);border-radius:5px}.ifp-answer .ifp-eyebrow{color:#557066}.ifp-answer h2{font:normal 32px/1.13 var(--ifp-serif);letter-spacing:-.03em;color:var(--ifp-ink);margin:0 0 20px}.jfea-insurance-page .ifp-text-link{display:inline-flex;align-items:center;gap:20px;padding-bottom:4px;color:var(--ifp-ink);font-size:12px;font-weight:750;text-decoration:none;border-bottom:1px solid var(--ifp-brass)}.ifp-answer-main{margin:0;font-size:19px;line-height:1.7;color:var(--ifp-ink)}.ifp-answer-support{font-size:13px;line-height:1.7;color:#526b63;margin:17px 0 0}
.ifp-time-note{width:min(calc(100% - 80px),1160px);margin:14px auto 0;padding:20px 26px;display:grid;grid-template-columns:76px 1fr auto;gap:24px;align-items:center;border:1px solid #e3d6b8;background:#faf3e2;border-radius:5px}.ifp-time-number{font:normal 34px/1 var(--ifp-serif);letter-spacing:-.04em;color:#71551d;white-space:nowrap}.ifp-time-note strong{display:block;font-size:13px;line-height:1.5;color:var(--ifp-ink)}.ifp-time-note p{font-size:12px;line-height:1.65;margin:3px 0 0;color:#706349;max-width:750px}.ifp-time-note a{font-size:11px;line-height:1.4;font-weight:700;text-decoration:none;color:#71551d;white-space:nowrap}
.ifp-three-tracks{width:min(calc(100% - 80px),1160px);display:grid;grid-template-columns:repeat(3,minmax(0,1fr));margin:35px auto 0;border-top:1px solid var(--ifp-line);border-bottom:1px solid var(--ifp-line)}.jfea-insurance-page .ifp-three-tracks a{display:flex;align-items:center;gap:16px;padding:27px 25px;text-decoration:none;color:var(--ifp-ink);border-right:1px solid var(--ifp-line)}.ifp-three-tracks a:first-child{padding-left:0}.ifp-three-tracks a:last-child{border-right:0;padding-right:0}.ifp-track-index{align-self:flex-start;font:normal 25px/1 var(--ifp-serif);color:var(--ifp-brass);padding-top:2px}.ifp-three-tracks .ifp-eyebrow{font-size:8px;letter-spacing:.13em;margin:0 0 6px;display:block}.ifp-three-tracks strong{display:block;font:normal 22px/1.2 var(--ifp-serif);letter-spacing:-.025em}.ifp-three-tracks i{font:normal 21px/1 var(--ifp-serif);color:var(--ifp-brass);margin-left:auto}.ifp-three-tracks a:hover strong{text-decoration:underline;text-decoration-color:var(--ifp-brass);text-underline-offset:4px}
.ifp-reading-layout{width:min(calc(100% - 80px),1100px);margin:68px auto 85px;display:grid;grid-template-columns:minmax(0,750px) 240px;gap:75px;justify-content:space-between;align-items:start}.ifp-reading-main,.ifp-body{min-width:0;max-width:100%}.ifp-mobile-toc{display:none}.ifp-rail{position:sticky;top:110px;min-width:0;align-self:start}.admin-bar .ifp-rail{top:142px}.ifp-rail-inner{max-height:calc(100vh - 135px);overflow:auto;scrollbar-width:thin;padding-right:6px}.admin-bar .ifp-rail-inner{max-height:calc(100vh - 167px)}.ifp-rail>.ifp-rail-inner>.ifp-eyebrow{font-size:9px;color:var(--ifp-muted)}.ifp-rail ol{margin:0;padding:0 0 0 14px;list-style:none;border-left:1px solid var(--ifp-line)}.ifp-rail li{padding:0;margin:0}.jfea-insurance-page .ifp-rail nav a{display:block;padding:6px 0;font-size:11px;line-height:1.55;color:var(--ifp-muted);text-decoration:none}.jfea-insurance-page .ifp-rail nav a:hover,.jfea-insurance-page .ifp-rail nav a[aria-current="location"]{color:var(--ifp-ink);font-weight:750}
.ifp-rail-card{margin-top:28px;padding:23px 20px;border-top:3px solid var(--ifp-brass);border-radius:4px;background:var(--ifp-ink);color:var(--ifp-white)}.ifp-rail-card .ifp-eyebrow{display:block;font-size:8px;color:#b7d1c8;letter-spacing:.11em}.ifp-rail-card p{font:normal 24px/1.25 var(--ifp-serif);letter-spacing:-.025em;margin:13px 0 22px;color:var(--ifp-white)}.ifp-rail-card>strong{display:block;font:normal 30px/1.1 var(--ifp-serif);color:#f3d58a}.ifp-rail-card>span:not(.ifp-eyebrow){display:block;margin-top:6px;font-size:10px;line-height:1.5;color:#c4d8d1}.ifp-rail-card>a{display:flex;justify-content:space-between;gap:10px;border-top:1px solid #496d69;padding-top:16px;margin-top:18px;text-decoration:none;color:var(--ifp-white);font-size:11px;font-weight:700}.ifp-rail-card small{display:block;font-size:9px;line-height:1.6;color:#c4d8d1;margin-top:14px}
.ifp-body> :first-child{margin-top:0}.ifp-body p{margin:0 0 24px}.ifp-body strong{font-weight:720;color:var(--ifp-ink)}.ifp-body h2{font:normal clamp(30px,2.8vw,39px)/1.16 var(--ifp-serif);letter-spacing:-.035em;color:var(--ifp-ink);text-wrap:balance;margin:64px 0 23px}.ifp-body h3{font:normal 26px/1.25 var(--ifp-serif);letter-spacing:-.02em;color:var(--ifp-ink);margin:38px 0 16px;text-wrap:balance}.ifp-body h4{font-size:18px;line-height:1.4;color:var(--ifp-ink);margin:28px 0 14px}.ifp-body ul,.ifp-body ol{margin:0 0 27px;padding-left:1.2em}.ifp-body li{margin:9px 0;padding-left:.2em}.ifp-body li::marker{color:#5c8172}.ifp-body a{font-weight:600;overflow-wrap:anywhere}.ifp-body blockquote{margin:32px 0;padding:25px 28px;border-left:3px solid var(--ifp-brass);background:#f2eedf;font-size:17px;line-height:1.75;color:var(--ifp-ink)}.ifp-body blockquote p:last-child{margin-bottom:0}.ifp-body hr{border:0;border-top:1px solid var(--ifp-line);margin:50px 0}
.ifp-body table{width:100%;border-collapse:collapse;margin:28px 0;font-size:14px;line-height:1.65;background:var(--ifp-white)}.ifp-body th,.ifp-body td{padding:16px 17px;text-align:left;vertical-align:top;border-bottom:1px solid var(--ifp-line)}.ifp-body th{background:var(--ifp-mint);font-size:11px;line-height:1.5;font-weight:750;color:var(--ifp-ink)}.ifp-body td:first-child{width:32%;color:var(--ifp-ink)}.ifp-body tr:last-child td{border-bottom:0}.ifp-table-wrap{max-width:100%;overflow-x:auto;margin:28px 0;border:1px solid var(--ifp-line);border-radius:5px}.ifp-table-wrap table{margin:0}.ifp-table-wrap:focus-visible{outline-offset:3px}
.ifp-example{padding:30px;background:#e7f0eb;border-left:4px solid #789d8b;border-radius:5px;margin:36px 0}.ifp-body .ifp-example h2,.ifp-body .ifp-example h3{margin-top:0}.ifp-example p:last-child{margin-bottom:0}.ifp-example .ifp-note{font-size:13px;line-height:1.7;color:var(--ifp-muted)}.ifp-split-values{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin:25px 0}.ifp-split-values>div{padding:23px;background:var(--ifp-white);border-top:3px solid var(--ifp-brass);border-radius:4px}.ifp-split-values>div:last-child{background:var(--ifp-ink);color:var(--ifp-white);border-top-color:#83b5a1}.ifp-split-values strong{display:block;font:normal 35px/1.2 var(--ifp-serif);color:inherit;letter-spacing:-.025em}.ifp-split-values span,.ifp-split-values p{display:block;font-size:12px;line-height:1.6;color:inherit;margin:9px 0 0}.ifp-callout{margin:29px 0;padding:23px 25px;border:1px solid #dfcd9e;background:#fcf4dd;border-radius:5px}.ifp-callout p:last-child{margin-bottom:0}
.ifp-body .ifp-buybox{margin:44px 0;padding:35px;background:var(--ifp-ink);color:var(--ifp-white);border-radius:6px;border-top:4px solid var(--ifp-brass)}.ifp-body .ifp-buybox h2,.ifp-body .ifp-buybox h3{color:var(--ifp-white);margin:0 0 21px}.ifp-body .ifp-buybox strong{color:var(--ifp-white)}.ifp-body .ifp-buybox a{color:#f2d992}.ifp-buybox ul{list-style:none;padding:0;display:grid;gap:11px}.ifp-buybox li{position:relative;padding:0 0 0 25px;margin:0;font-size:15px;line-height:1.65}.ifp-buybox li::before{content:'✓';position:absolute;left:0;font-weight:700;color:#e8ca7a}.ifp-buybox .ifp-price{display:block;font:normal 39px/1.1 var(--ifp-serif);margin:23px 0 5px}.ifp-buybox .ifp-fine{font-size:12px;line-height:1.7;color:#ccddd5;margin-top:18px}.ifp-body .ifp-button,.ifp-quiz button[type="submit"]{display:inline-flex;justify-content:center;align-items:center;gap:18px;padding:14px 22px;min-height:49px;background:var(--ifp-ink);color:var(--ifp-white);border:1px solid var(--ifp-ink);border-radius:4px;text-decoration:none;font-size:14px;line-height:1.4;font-weight:750;cursor:pointer}.ifp-body .ifp-buybox .ifp-button{background:#efd28a;color:var(--ifp-ink);border-color:#efd28a}.ifp-button:hover,.ifp-quiz button[type="submit"]:hover{filter:brightness(.94)}
.ifp-quiz{background:var(--ifp-mint);border:1px solid #cddfd2;border-radius:5px;padding:29px;margin:29px 0}.ifp-quiz:not([data-ifp-ready="true"]) button{display:none}.ifp-quiz fieldset{min-width:0;margin:0;padding:20px 0;border:0;border-bottom:1px solid #c6d6cc}.ifp-quiz legend{float:none;padding:0 0 13px;font-size:16px;line-height:1.6;font-weight:650;color:var(--ifp-ink)}.ifp-quiz fieldset label{display:inline-flex;align-items:center;gap:8px;min-height:44px;margin:0 7px 6px 0;padding:9px 15px;border:1px solid #aec4b5;background:var(--ifp-white);border-radius:4px;font-size:14px;line-height:1.4;cursor:pointer}.ifp-quiz fieldset label:has(input:checked){background:#c9dfd3;border-color:var(--ifp-ink);box-shadow:inset 0 0 0 1px var(--ifp-ink)}.ifp-quiz input{accent-color:var(--ifp-ink);width:16px;height:16px;margin:0;flex-shrink:0}.ifp-quiz button{margin-top:24px}.ifp-quiz button[type="reset"]{margin-left:8px;padding:12px 18px;min-height:48px;background:transparent;border:1px solid #829d8d;border-radius:4px;color:var(--ifp-ink);font-size:13px;font-weight:650;cursor:pointer}.ifp-quiz-result{margin-top:25px;padding:23px;border:1px solid #b7cbbf;border-left:4px solid var(--ifp-ink);background:var(--ifp-white);font-size:15px;line-height:1.7}.ifp-quiz-result:empty{display:none}.ifp-quiz-result[data-level="urgent"]{border-left-color:#a44e37;background:#fff9f4}.ifp-quiz-result[data-level="review"]{border-left-color:#947120;background:#fffcf1}.ifp-quiz-result[data-level="clear"]{border-left-color:#467957;background:#f5fcf5}.ifp-quiz-result h3{font:700 17px/1.5 var(--ifp-sans);margin:0 0 10px}.ifp-quiz-result p:last-child{margin-bottom:0}.ifp-quiz-privacy{font-size:11px;color:#5c7165;line-height:1.65;margin:18px 0 0!important}
.ifp-body [data-jfea-component="faq_accordion"]{margin:30px 0 45px;border-top:1px solid var(--ifp-line)}.ifp-body .jfea-faq-item{border:0;border-bottom:1px solid var(--ifp-line);margin:0;padding:0;background:transparent}.ifp-body .jfea-faq-item summary{position:relative;list-style:none;cursor:pointer;padding:22px 37px 22px 0;font-size:17px;line-height:1.5;font-weight:650;color:var(--ifp-ink)}.ifp-body .jfea-faq-item summary::-webkit-details-marker{display:none}.ifp-body .jfea-faq-item summary::after{content:'+';position:absolute;right:5px;top:21px;color:#688b79;font-size:25px;line-height:1;font-weight:400}.ifp-body .jfea-faq-item[open] summary::after{content:'−'}.ifp-body .jfea-faq-answer{padding:0 30px 24px 0;color:var(--ifp-muted);font-size:16px;line-height:1.75}.ifp-body .jfea-faq-answer p:last-child{margin:0}.ifp-body .ifp-sources,.ifp-body #kallor~ul{font-size:13px;line-height:1.7}
.ifp-author{width:min(calc(100% - 80px),1100px);margin:0 auto 75px;padding:34px 0;border-top:1px solid var(--ifp-line);border-bottom:1px solid var(--ifp-line);display:grid;grid-template-columns:80px 1fr auto;gap:27px;align-items:center}.ifp-author-image img{width:80px;height:80px;object-fit:cover;border-radius:50%;background:var(--ifp-mint)}.ifp-author .ifp-eyebrow{margin:0 0 7px}.ifp-author h2{font:normal 28px/1.2 var(--ifp-serif);letter-spacing:-.025em;color:var(--ifp-ink);margin:0}.ifp-author-role{font-size:11px;margin:6px 0 10px;color:var(--ifp-muted)}.ifp-author p:last-child{font-size:13px;line-height:1.7;max-width:600px;margin-bottom:0}
.ifp-footer{display:grid;grid-template-columns:1fr auto;align-items:start;gap:27px;padding:44px max(40px,calc((100vw - 1160px)/2));background:var(--ifp-ink);color:#d9e6dd;font-size:12px;line-height:1.7}.jfea-insurance-page .ifp-footer .ifp-wordmark{color:var(--ifp-white)}.ifp-footer .ifp-wordmark span{color:var(--ifp-saffron)}.ifp-footer p{font-size:11px;margin:14px 0 0}.ifp-footer nav{display:flex;flex-wrap:wrap;gap:24px}.ifp-footer nav a{color:#d9e6dd;text-decoration:none;font-size:11px}.ifp-footer small{grid-column:1/-1;padding-top:20px;border-top:1px solid #426360;color:#a7c1b6;font-size:10px}
@media(max-width:1100px){.ifp-reading-layout{grid-template-columns:minmax(0,1fr) 210px;gap:45px}.ifp-answer{grid-template-columns:240px 1fr;gap:30px;padding:33px}.ifp-three-tracks strong{font-size:21px}.jfea-insurance-page .ifp-three-tracks a{padding:24px 18px;gap:12px}.ifp-three-tracks a:first-child{padding-left:0}.ifp-three-tracks a:last-child{padding-right:0}.ifp-byline{gap:24px}.ifp-meta{padding-left:22px;gap:20px}}
@media(max-width:900px){.ifp-cover,.ifp-answer,.ifp-time-note,.ifp-three-tracks{width:calc(100% - 48px)}.ifp-header-inner{padding:0 24px;min-height:69px}.ifp-cover h1{font-size:clamp(36px,5.6vw,51px)}.ifp-cover-intro{font-size:17px}.ifp-meta>span:nth-child(2){display:none}.ifp-answer{grid-template-columns:210px 1fr;padding:28px;gap:24px}.ifp-answer h2{font-size:29px}.ifp-answer-main{font-size:17px}.ifp-time-note{grid-template-columns:64px 1fr;gap:6px 20px;padding:20px 24px}.ifp-time-number{grid-row:span 2}.ifp-time-note a{grid-column:2}.ifp-three-tracks strong{font-size:20px}.ifp-track-index{font-size:22px}.ifp-three-tracks i{display:none}.ifp-reading-layout{width:calc(100% - 48px);max-width:750px;display:block;margin:42px auto 65px}.ifp-rail{display:none}.ifp-mobile-toc{display:block;margin:0 0 35px;border:1px solid var(--ifp-line);border-radius:4px;background:var(--ifp-white)}.ifp-mobile-toc>summary{list-style:none;cursor:pointer;display:flex;align-items:center;justify-content:space-between;padding:17px 20px;font-size:13px;font-weight:700;color:var(--ifp-ink)}.ifp-mobile-toc>summary::-webkit-details-marker{display:none}.ifp-mobile-toc>summary>span{font-size:20px;line-height:1}.ifp-mobile-toc[open]>summary>span{transform:rotate(45deg)}.ifp-mobile-toc ol{margin:0;padding:0 22px 18px 40px;font-size:13px}.ifp-mobile-toc li{padding:5px 0}.ifp-mobile-toc a{text-decoration:none;color:var(--ifp-ink)}.ifp-author{width:calc(100% - 48px);grid-template-columns:60px 1fr;gap:20px}.ifp-author-image img{width:60px;height:60px}.ifp-author>.ifp-text-link{grid-column:2;justify-self:start}.ifp-footer{grid-template-columns:1fr;padding:35px 24px}.ifp-footer nav{gap:12px 24px}}
@media(max-width:600px){body.jfea-insurance-page{font-size:17px;line-height:1.78}.ifp-header-inner{min-height:62px;padding:0 20px;gap:12px}.jfea-insurance-page .ifp-wordmark{font-size:21px}.ifp-header-nav{font-size:11px}.ifp-header-nav>a:first-child{display:none}.ifp-header-nav a:last-child{padding:8px 11px}.ifp-cover,.ifp-answer,.ifp-time-note,.ifp-three-tracks{width:calc(100% - 40px)}.ifp-breadcrumb{font-size:8px;gap:10px;padding:24px 0 27px}.ifp-cover-copy{text-align:left}.ifp-cover-copy .ifp-eyebrow{justify-content:flex-start;font-size:8px;letter-spacing:.12em;gap:8px}.ifp-cover h1{font-size:37px;line-height:1.11;letter-spacing:-.045em;margin-bottom:21px;text-wrap:pretty}.ifp-cover-intro{font-size:16px;line-height:1.7;margin-bottom:24px}.ifp-byline{display:block;margin-bottom:25px}.ifp-person img{width:40px;height:40px}.ifp-meta{padding:12px 0 0;margin-top:14px;border-left:0;border-top:1px solid var(--ifp-line);justify-content:space-between;gap:15px;font-size:9px}.ifp-meta>span:nth-child(2){display:block}.ifp-meta>span>span{font-size:7px}.ifp-hero-image{aspect-ratio:16/10;object-fit:cover}.ifp-hero-figure figcaption{display:block;padding:13px 15px;font-size:9px}.ifp-hero-figure figcaption span{display:block}.ifp-hero-figure figcaption span:first-child{font-size:8px;margin-bottom:4px}.ifp-answer{display:block;padding:25px;margin-top:21px}.ifp-answer .ifp-eyebrow{font-size:9px;margin-bottom:9px}.ifp-answer h2{font-size:29px;margin-bottom:14px}.ifp-answer h2 br{display:none}.ifp-answer-label>.ifp-text-link{display:none}.ifp-answer-main{font-size:17px;line-height:1.7}.ifp-answer-support{font-size:12px;margin-top:14px}.ifp-time-note{padding:20px;grid-template-columns:52px 1fr;gap:8px 15px}.ifp-time-number{font-size:29px;align-self:start;margin-top:2px}.ifp-time-note strong{font-size:12px}.ifp-time-note p{font-size:11px}.ifp-time-note a{font-size:10px}.ifp-three-tracks{grid-template-columns:1fr;margin-top:24px}.jfea-insurance-page .ifp-three-tracks a{padding:19px 0;border-right:0;border-bottom:1px solid var(--ifp-line);gap:17px}.ifp-three-tracks a:last-child{border-bottom:0}.ifp-track-index{font-size:25px;min-width:30px;padding-top:5px}.ifp-three-tracks .ifp-eyebrow{font-size:8px;margin-bottom:3px}.ifp-three-tracks strong{font-size:23px}.ifp-three-tracks i{display:block;font-size:23px}.ifp-reading-layout{width:calc(100% - 40px);margin-top:30px}.ifp-body h2{font-size:31px;margin-top:51px}.ifp-body h3{font-size:25px;margin-top:34px}.ifp-body p{margin-bottom:21px}.ifp-body blockquote{padding:21px;font-size:16px}.ifp-body th,.ifp-body td{padding:13px;font-size:13px}.ifp-body table{min-width:440px}.ifp-body table[data-ifp-cards]{display:block;min-width:0;width:100%;border:0}.ifp-body table[data-ifp-cards] thead{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.ifp-body table[data-ifp-cards] tbody{display:block}.ifp-body table[data-ifp-cards] tr{display:block;border-bottom:1px solid var(--ifp-line);padding:14px 16px}.ifp-body table[data-ifp-cards] tr:last-child{border:0}.ifp-body table[data-ifp-cards] td{display:block;width:100%;padding:5px 0;border:0;font-size:14px}.ifp-body table[data-ifp-cards] td:first-child{padding-bottom:8px;font-weight:700}.ifp-body table[data-ifp-cards] td:not(:first-child)::before{content:attr(data-label);display:block;font-size:10px;line-height:1.4;font-weight:750;letter-spacing:.03em;color:var(--ifp-muted);margin:3px 0}.ifp-example{padding:23px}.ifp-split-values{gap:10px;margin:21px 0}.ifp-split-values>div{padding:18px 13px}.ifp-split-values strong{font-size:28px}.ifp-split-values span,.ifp-split-values p{font-size:11px}.ifp-body .ifp-buybox{padding:26px}.ifp-body .ifp-buybox h2{font-size:30px}.ifp-buybox li{font-size:14px}.ifp-body .ifp-button{width:100%;padding:14px}.ifp-quiz{padding:22px}.ifp-quiz legend{font-size:15px}.ifp-quiz fieldset label{font-size:13px;padding:9px 11px}.ifp-quiz button[type="submit"]{width:100%}.ifp-quiz button[type="reset"]{width:100%;margin:10px 0 0}.ifp-quiz-result{padding:19px;font-size:14px}.ifp-body .jfea-faq-item summary{font-size:16px;padding:20px 32px 20px 0}.ifp-body .jfea-faq-answer{font-size:15px;padding-right:5px}.ifp-author{width:calc(100% - 40px);margin-bottom:46px;grid-template-columns:48px 1fr;gap:15px;align-items:start}.ifp-author-image img{width:48px;height:48px}.ifp-author h2{font-size:25px}.ifp-author .ifp-eyebrow{font-size:8px}.ifp-author p:last-child{font-size:12px}.ifp-footer{padding:32px 20px}}
@media(max-width:360px){.ifp-cover h1{font-size:33px}.ifp-cover-copy .ifp-eyebrow{font-size:7px}.ifp-meta{gap:10px;font-size:8px}.ifp-split-values{grid-template-columns:1fr}.ifp-time-note{grid-template-columns:1fr}.ifp-time-number{grid-row:auto}.ifp-time-note a{grid-column:1}}
@media(max-width:782px){.admin-bar .ifp-site-header{top:46px}}@media(max-width:600px){.admin-bar .ifp-site-header{top:0}}
@media(prefers-reduced-motion:reduce){.jfea-insurance-page *{scroll-behavior:auto!important;transition:none!important}}
@media print{.ifp-site-header,.ifp-rail,.ifp-mobile-toc,.ifp-three-tracks,.ifp-quiz,.ifp-footer{display:none!important}.ifp-cover,.ifp-answer,.ifp-time-note,.ifp-reading-layout,.ifp-author{width:100%;margin:20px 0}.ifp-reading-layout{display:block}.ifp-hero-figure{display:none}.ifp-answer,.ifp-body .ifp-buybox{background:#fff;color:#000;border:1px solid #aaa}.ifp-answer *,.ifp-body .ifp-buybox *{color:#000!important}.ifp-body .jfea-faq-item .jfea-faq-answer{display:block!important}}