:root{--blue:#2f5d3a;--blue-dark:#234529;--navy:#1f2a22;--gold:#d98324;--gold-dark:#9a5a10;--font:'Source Sans 3',system-ui,sans-serif;--serif:'Roboto Slab',Georgia,serif}
body.theme-cool{--bg:#f3f3ea;--bg-accent:#e7e9d6;font-size:18px}
.theme-cool h1,.theme-cool h2{font-weight:700;font-family:var(--serif)}
.theme-cool h1{font-size:clamp(1.9rem,4.5vw,2.7rem)}
.theme-cool h2{font-size:clamp(1.4rem,3vw,1.9rem)}
.theme-cool .announce{background:#1f2a22}
.theme-cool .hdr{border-bottom:4px solid var(--gold)}
.theme-cool a{color:#2f5d3a}
.theme-cool .callbar a:not(.cb-call){color:#fff}
.theme-cool .ftr a,.theme-cool .legal a{color:#e3ebe4}
.theme-cool .hero-f a:not(.btn){color:#fff}
.theme-cool .hero-f .eyebrow,.theme-cool .cta-band a.btn{color:#f3c46b}
.theme-cool .cta-band a.btn{color:#1f2a22}
.theme-cool .eyebrow{color:var(--gold-dark)}
.theme-cool .btn.gold,.theme-cool .call-btn{background:var(--gold)!important;color:#1f2a22!important}
.theme-cool .hero-f{background:#2f5d3a}
.theme-cool .card{border-radius:4px;box-shadow:none}
.theme-cool .cta-band{background:#2f5d3a}
.theme-cool .sec{padding:48px 0}
.theme-cool .sec.tint{background:var(--bg)}
.q-list h3{font-family:var(--serif);font-size:1.2rem;margin:26px 0 6px}
.q-list p{margin:0 0 6px}
.coverage-note{background:#fff;border:2px solid var(--gold);border-radius:6px;padding:18px 22px}