.phx-hero{padding:32px 0 80px;background:radial-gradient(ellipse 900px 500px at 100% 0%,rgba(228,123,38,.06),transparent 60%),radial-gradient(ellipse 700px 400px at 0% 100%,rgba(173,32,36,.04),transparent 60%),var(--u-bg);position:relative;overflow:hidden}.state-badge-bg{position:absolute;top:16px;right:-40px;font-family:var(--font-display);font-weight:800;font-size:360px;line-height:.85;letter-spacing:-.04em;color:#ad20240a;pointer-events:none;z-index:0;user-select:none}.phx-hero .vi-wrap{position:relative;z-index:1}.phx-hero .crumbs{margin-bottom:24px;font-family:var(--font-mono);font-size:12px;color:var(--u-muted);display:flex;gap:8px;align-items:center}.phx-hero .crumbs a{color:var(--u-muted);text-decoration:none}.phx-hero .crumbs a:hover{color:var(--u-ink)}.phx-hero .crumbs .sep{color:var(--u-line-strong)}.phx-grid{display:grid;grid-template-columns:1.05fr 1fr;gap:48px;align-items:start}.phx-eyebrow{display:inline-flex;align-items:center;gap:10px;font-family:var(--font-mono);font-size:11px;letter-spacing:.16em;text-transform:uppercase;color:var(--vi-red);margin-bottom:20px;padding:6px 12px;background:#ad20240f;border:1px solid rgba(173,32,36,.18);border-radius:999px}.phx-eyebrow .pin{width:6px;height:6px;border-radius:50%;background:var(--vi-red);box-shadow:0 0 0 4px #ad20242e}.phx-hero h1{font-family:var(--font-display);font-weight:700;font-size:clamp(38px,5.4vw,62px);line-height:1.02;letter-spacing:-.035em;margin:0 0 22px;color:var(--u-ink)}.phx-hero h1 .accent{color:var(--vi-red);background:linear-gradient(180deg,transparent 60%,rgba(173,32,36,.18) 60%);padding:0 4px}.phx-lead{font-size:17px;line-height:1.6;color:var(--u-muted);margin:0 0 24px;max-width:560px}.phx-lead strong{color:var(--u-ink);font-weight:600}.price-strip{display:flex;flex-wrap:wrap;gap:14px;margin-bottom:32px}.price-pill{display:flex;align-items:baseline;gap:8px;padding:10px 16px;background:#fff;border:1px solid var(--u-line);border-radius:999px}.price-pill .v{font-family:var(--font-display);font-weight:700;font-size:18px;letter-spacing:-.02em;color:var(--u-ink)}.price-pill .l{font-family:var(--font-mono);font-size:11px;letter-spacing:.06em;color:var(--u-muted)}.price-pill .ll{font-family:var(--font-body);font-size:13px;color:var(--u-ink);font-weight:600;letter-spacing:0;text-transform:none}.price-pill.dot:before{content:"";width:6px;height:6px;border-radius:50%;background:var(--u-green);margin-right:4px;align-self:center}.az-block{margin-top:36px;padding:24px 26px 22px;background:var(--u-panel);border:1px solid var(--u-line);border-radius:14px;display:grid;grid-template-columns:96px 1fr;gap:22px;align-items:center}.state-mark-wrap{width:96px;height:96px;display:flex;align-items:center;justify-content:center;background:linear-gradient(180deg,#f5e9d7,#fff);border:1px solid var(--u-line);border-radius:14px;position:relative}.state-mark-wrap .sun{position:absolute;top:8px;right:10px;width:16px;height:16px;border-radius:50%;background:#e47b26;box-shadow:0 0 0 4px #e47b262e}.state-abbr-mark{font-family:var(--font-display);font-weight:800;font-size:32px;letter-spacing:-.04em;color:var(--vi-red)}.az-copy .label{font-family:var(--font-mono);font-size:10px;letter-spacing:.18em;text-transform:uppercase;color:var(--vi-red);font-weight:600;margin-bottom:6px;display:block}.az-copy h3{font-family:var(--font-display);font-weight:700;font-size:19px;letter-spacing:-.015em;margin:0 0 6px;color:var(--u-ink)}.az-copy p{margin:0;font-size:13.5px;line-height:1.5;color:var(--u-muted)}.trust-block{margin-top:28px}.trust-tag{font-family:var(--font-mono);font-size:10px;letter-spacing:.14em;text-transform:uppercase;color:var(--vi-red);font-weight:600;margin-bottom:12px}.trust-list{list-style:none;padding:0;margin:0;display:grid;gap:10px}.trust-list li{padding-left:24px;position:relative;font-size:14.5px;line-height:1.5;color:var(--u-ink-2)}.trust-list li:before{content:"✓";position:absolute;left:0;top:0;color:var(--u-green);font-weight:700;font-size:14px}.signup-card{background:var(--u-panel);border:1px solid var(--u-line);border-radius:16px;overflow:hidden;box-shadow:0 1px #00000005,0 12px 40px -12px #0f101a14;position:relative}.signup-head{display:flex;align-items:center;gap:10px;padding:14px 18px;background:var(--u-bg);border-bottom:1px solid var(--u-line);font-family:var(--font-mono);font-size:11px;letter-spacing:.06em;color:var(--u-muted)}.signup-head .dots{display:flex;gap:5px}.signup-head .dots i{width:10px;height:10px;border-radius:50%;display:inline-block}.signup-head .dots i:nth-child(1){background:#f47171}.signup-head .dots i:nth-child(2){background:#f4c45a}.signup-head .dots i:nth-child(3){background:#2a9d5a}.signup-head .url{margin-left:auto;color:var(--u-mute-2)}.signup-body{padding:26px 26px 24px}.signup-step{display:flex;gap:10px;align-items:center;font-family:var(--font-mono);font-size:11px;letter-spacing:.06em;color:var(--u-muted);margin-bottom:14px}.signup-step .pill{background:var(--u-ink);color:#fff;padding:3px 8px;border-radius:4px;font-weight:600;letter-spacing:.08em}.signup-step .bar{flex:1;height:4px;background:var(--u-line);border-radius:2px;overflow:hidden;margin-left:6px}.signup-step .bar i{display:block;height:100%;width:33%;background:var(--vi-red)}.signup-body h2{font-family:var(--font-display);font-weight:700;font-size:24px;letter-spacing:-.02em;line-height:1.2;margin:0 0 6px;color:var(--u-ink)}.signup-body h2 .state-mini{display:inline-block;vertical-align:-2px;margin-right:8px;padding:2px 8px;background:var(--vi-red);color:#fff;border-radius:6px;font-size:14px;font-weight:800;letter-spacing:-.02em}.signup-body .sub{font-size:13px;color:var(--u-muted);margin:0 0 20px;line-height:1.5}.seg{display:grid;grid-template-columns:1fr 1fr;gap:0;padding:4px;background:var(--u-bg);border-radius:10px;margin-bottom:16px}.seg input{display:none}.seg label{padding:10px 14px;text-align:center;font-size:13px;font-weight:600;color:var(--u-muted);border-radius:7px;cursor:pointer;transition:background .15s,color .15s}.seg input:checked+label{background:var(--u-ink);color:#fff}.field-row{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:14px}.field label{display:block;font-family:var(--font-mono);font-size:10px;letter-spacing:.1em;text-transform:uppercase;color:var(--u-muted);margin-bottom:6px}.field input,.field select{width:100%;padding:10px 12px;border:1px solid var(--u-line);border-radius:8px;font-family:var(--font-body);font-size:14px;color:var(--u-ink);background:#fff}.field input:focus,.field select:focus{outline:none;border-color:var(--vi-red);box-shadow:0 0 0 3px #ad20241a}.price-row{display:flex;gap:14px;margin-bottom:14px}.price-row .pricecol{flex:1;background:var(--u-bg);border:1px solid var(--u-line);border-radius:10px;padding:14px 16px}.price-row .pricecol.featured{background:#ad20240a;border-color:#ad202433}.price-row .pricecol .ptag{font-family:var(--font-mono);font-size:10px;letter-spacing:.12em;text-transform:uppercase;color:var(--u-muted);font-weight:600}.price-row .pricecol.featured .ptag{color:var(--vi-red)}.price-row .pricecol .pamt{font-family:var(--font-display);font-weight:700;font-size:32px;letter-spacing:-.02em;line-height:1;color:var(--u-ink);margin:6px 0 4px}.price-row .pricecol .pamt small{font-family:var(--font-body);font-weight:500;font-size:12px;color:var(--u-muted)}.price-row .pricecol .pdesc{font-size:12px;color:var(--u-muted);line-height:1.4}.quote-line{display:flex;justify-content:space-between;align-items:baseline;padding:12px 0;border-top:1px dashed var(--u-line-strong);font-size:14px;color:var(--u-ink-2)}.quote-line.total{border-top:1px solid var(--u-ink);padding-top:16px;margin-top:6px}.quote-line.total .v{font-family:var(--font-display);font-weight:700;font-size:30px;letter-spacing:-.02em;color:var(--u-ink)}.quote-line .v{font-family:var(--font-mono);font-weight:600;color:var(--u-ink)}.phx-cta{width:100%;margin-top:18px;padding:16px;background:var(--vi-red);color:#fff;border:0;border-radius:10px;font-family:var(--font-display);font-weight:700;font-size:16px;display:inline-flex;align-items:center;justify-content:center;gap:8px;text-decoration:none;transition:background .15s,transform .15s;letter-spacing:-.005em}.phx-cta:hover{background:var(--vi-red-dark);transform:translateY(-1px)}.cta-sub{display:block;text-align:center;margin-top:10px;font-family:var(--font-mono);font-size:11px;letter-spacing:.04em;color:var(--u-muted)}.cta-sub a{color:var(--u-ink);font-weight:600}.signup-foot{display:flex;justify-content:space-between;padding:12px 18px;background:var(--u-bg);border-top:1px solid var(--u-line);font-family:var(--font-mono);font-size:11px;color:var(--u-muted)}.signup-foot .ok{color:var(--u-green)}.phx-meta{display:flex;gap:36px;margin-top:36px;padding-top:28px;border-top:1px solid var(--u-line);flex-wrap:wrap}.phx-meta .stat .num{font-family:var(--font-display);font-weight:700;font-size:28px;letter-spacing:-.02em;color:var(--u-ink);line-height:1}.phx-meta .stat .lbl{font-family:var(--font-mono);font-size:10px;letter-spacing:.1em;text-transform:uppercase;color:var(--u-muted);margin-top:6px}.section{padding:64px 0}.section-alt{background:#fff;border-top:1px solid var(--u-line);border-bottom:1px solid var(--u-line)}.consortium-body h2{font-family:var(--font-display);font-weight:700;font-size:30px;letter-spacing:-.02em;margin:0 0 18px;color:var(--u-ink)}.consortium-body h2+p{margin-top:0}.consortium-body h2:not(:first-child){margin-top:48px}.consortium-body p{font-size:16px;line-height:1.7;color:var(--u-ink-2);margin:0 0 18px}.consortium-body ul,.consortium-body ol{padding-left:22px;margin:0 0 24px}.consortium-body li{font-size:16px;line-height:1.65;color:var(--u-ink-2);margin-bottom:10px}.consortium-body a{color:var(--vi-red);text-decoration:underline}.coverage-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:16px;margin:28px 0 32px}.cov-card{background:#fff;border:1px solid var(--u-line);border-radius:12px;padding:20px 22px}.cov-card .tag{font-family:var(--font-mono);font-size:10px;letter-spacing:.14em;text-transform:uppercase;color:var(--vi-red);font-weight:600;margin-bottom:10px}.cov-card h4{font-family:var(--font-display);font-weight:700;font-size:17px;letter-spacing:-.01em;margin:0 0 8px;color:var(--u-ink)}.cov-card p{font-size:13.5px;line-height:1.5;color:var(--u-muted);margin:0}.fx-table-wrap{overflow-x:auto;margin:24px 0 32px;border:1px solid var(--u-line);border-radius:12px}.fx-table{width:100%;border-collapse:collapse;font-size:14px;background:#fff}.fx-table thead{background:var(--u-ink);color:#fff}.fx-table th{text-align:left;padding:14px 18px;font-family:var(--font-mono);font-size:11px;letter-spacing:.1em;text-transform:uppercase;font-weight:600}.fx-table th.num,.fx-table td.num{text-align:right;font-family:var(--font-mono)}.fx-table td{padding:14px 18px;border-bottom:1px solid var(--u-line);color:var(--u-ink-2)}.fx-table tbody tr:last-child td{border-bottom:0}.fx-table tbody tr:nth-child(2n){background:var(--u-bg)}.fx-table td.num{font-weight:700;color:var(--vi-red)}.faq-list{display:flex;flex-direction:column;gap:14px;margin:16px 0 0}.faq-item{background:#fff;border:1px solid var(--u-line);border-radius:12px;padding:0;overflow:hidden}.faq-item summary{font-family:var(--font-display);font-weight:600;font-size:17px;letter-spacing:-.01em;color:var(--u-ink);cursor:pointer;padding:20px 24px;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:16px}.faq-item summary::-webkit-details-marker{display:none}.faq-item summary:after{content:"+";font-family:var(--font-mono);font-size:22px;color:var(--vi-red);font-weight:400}.faq-item[open] summary:after{content:"−"}.faq-item .answer{padding:0 24px 22px;font-size:15px;line-height:1.65;color:var(--u-muted)}.page-cta{background:var(--u-ink);color:#fff;padding:80px 0;position:relative;overflow:hidden}.page-cta:before{content:"";position:absolute;top:-100px;right:-100px;width:500px;height:500px;background:radial-gradient(circle,rgba(173,32,36,.4) 0%,transparent 60%);pointer-events:none}.page-cta .vi-wrap{position:relative;z-index:1}.page-cta h2{font-family:var(--font-display);font-weight:700;font-size:clamp(32px,4vw,44px);letter-spacing:-.025em;margin:0 0 14px;color:#fff;max-width:720px}.page-cta p{color:#ffffffb3;margin:0 0 32px;font-size:17px;line-height:1.55;max-width:640px}.page-cta .actions{display:flex;gap:14px;flex-wrap:wrap}.page-cta .actions .primary{background:var(--vi-red);color:#fff;padding:16px 28px;border-radius:10px;text-decoration:none;font-weight:700;font-size:16px}.page-cta .actions .primary:hover{background:var(--vi-red-dark)}.page-cta .actions .ghost{color:#fff;padding:16px 28px;border-radius:10px;text-decoration:none;font-weight:600;font-size:16px;border:1px solid rgba(255,255,255,.3)}.page-cta .actions .ghost:hover{border-color:#fff}@media(max-width:1000px){.phx-grid{grid-template-columns:1fr;gap:32px}.signup-card{max-width:560px}.state-badge-bg{display:none}}@media(max-width:700px){.price-row{flex-direction:column}.az-block{grid-template-columns:1fr;text-align:center}.state-mark-wrap{margin:0 auto}}