.universal-header {
  position: sticky !important;
  top: 0;
  z-index: 800 !important;
  width: 100%;
  margin: 0;
  border: 0;
  border-bottom: 1px solid rgba(255,255,255,.08);
  background: rgba(11,17,22,.97) !important;
  color: #fff;
  font-family: 'Avenir Next',Avenir,'Segoe UI',Helvetica,Arial,sans-serif;
  backdrop-filter: blur(15px);
}
.universal-header * { box-sizing: border-box; }
.universal-header .container {
  width: min(calc(100% - 48px),1240px) !important;
  max-width: 1240px !important;
  margin: 0 auto !important;
  padding: 0 !important;
}
.universal-header .header__inner { min-height: 80px; display:flex; align-items:center; justify-content:space-between; gap:28px; }
.universal-header a { text-decoration:none; }
.universal-header .brand { display:flex; align-items:center; flex:0 0 auto; color:#fff; }
.universal-header .brand-mark { width:44px; height:44px; display:grid; place-items:center; overflow:hidden; }
.universal-header .brand-mark img { display:block; width:100%; height:100%; object-fit:contain; }
.universal-header .brand-copy--header { display:block; margin-left:12px; }
.universal-header .brand-copy--header strong { display:block; color:#fff; font-size:11px; font-weight:800; letter-spacing:.22em; white-space:nowrap; }
.universal-header .primary-nav { position:static; inset:auto; display:flex; flex-direction:row; align-items:center; justify-content:center; gap:30px; max-height:none; overflow:visible; margin-left:auto; padding:0; border:0; background:transparent; }
.universal-header .primary-nav a { position:relative; padding:31px 0 29px; color:rgba(255,255,255,.7); font-size:11px; font-weight:700; letter-spacing:.055em; text-transform:uppercase; white-space:nowrap; }
.universal-header .primary-nav a::after { content:''; position:absolute; left:0; right:100%; bottom:19px; height:1px; background:#d5c29a; transition:right 180ms ease; }
.universal-header .primary-nav a:hover,.universal-header .primary-nav a[aria-current="page"] { color:#fff; }
.universal-header .primary-nav a:hover::after,.universal-header .primary-nav a[aria-current="page"]::after { right:0; }
.universal-header .nav-dropdown { position:relative; }
.universal-header .nav-dropdown summary { position:relative; display:flex; align-items:center; gap:7px; padding:31px 0 29px; color:rgba(255,255,255,.7); font-size:11px; font-weight:700; letter-spacing:.055em; line-height:1; text-transform:uppercase; white-space:nowrap; cursor:pointer; list-style:none; }
.universal-header .nav-dropdown summary::-webkit-details-marker { display:none; }
.universal-header .nav-dropdown summary::after { content:''; position:absolute; left:0; right:100%; bottom:19px; height:1px; background:#d5c29a; transition:right 180ms ease; }
.universal-header .nav-dropdown summary:hover,.universal-header .nav-dropdown summary:focus-visible,.universal-header .nav-dropdown summary[aria-current="page"] { color:#fff; }
.universal-header .nav-dropdown summary:hover::after,.universal-header .nav-dropdown summary:focus-visible::after,.universal-header .nav-dropdown summary[aria-current="page"]::after { right:0; }
.universal-header .nav-dropdown-chevron { width:6px; height:6px; margin-top:-3px; border-right:1px solid currentColor; border-bottom:1px solid currentColor; transform:rotate(45deg); transition:transform 160ms ease; }
.universal-header .nav-dropdown[open] .nav-dropdown-chevron { margin-top:3px; transform:rotate(225deg); }
.universal-header .nav-dropdown-menu { position:absolute; top:calc(100% - 12px); left:50%; z-index:20; display:grid; width:310px; padding:9px; border:1px solid rgba(213,194,154,.24); background:#101920; box-shadow:0 22px 55px rgba(0,0,0,.42); opacity:0; visibility:hidden; pointer-events:none; transform:translate(-50%,-5px); transition:opacity 150ms ease,transform 150ms ease,visibility 150ms ease; }
.universal-header .nav-dropdown:hover .nav-dropdown-menu,.universal-header .nav-dropdown:focus-within .nav-dropdown-menu,.universal-header .nav-dropdown[open] .nav-dropdown-menu { opacity:1; visibility:visible; pointer-events:auto; transform:translate(-50%,0); }
.universal-header .nav-dropdown-menu a { display:grid; gap:3px; padding:12px 13px; color:#fff; font-size:12px; letter-spacing:0; line-height:1.25; text-transform:none; white-space:normal; }
.universal-header .nav-dropdown-menu a::after { display:none; }
.universal-header .nav-dropdown-menu a:hover,.universal-header .nav-dropdown-menu a:focus-visible,.universal-header .nav-dropdown-menu a[aria-current="page"] { background:rgba(213,194,154,.1); color:#fff; }
.universal-header .nav-dropdown-menu strong { font-size:11px; letter-spacing:.08em; text-transform:uppercase; }
.universal-header .nav-dropdown-menu span { color:rgba(255,255,255,.52); font-size:11px; font-weight:500; }
.universal-header .header-actions { display:flex; align-items:center; gap:22px; flex:0 0 auto; }
.universal-header .text-link { color:rgba(255,255,255,.72); font-size:11px; font-weight:700; letter-spacing:.05em; text-transform:uppercase; white-space:nowrap; }
.universal-header .text-link:hover { color:#fff; }
.universal-header .button { display:inline-flex; align-items:center; justify-content:center; min-height:42px; padding:0 18px; border:1px solid #d5c29a; background:#d5c29a; color:#0b1116; font-size:10px; font-weight:850; letter-spacing:.1em; text-transform:uppercase; white-space:nowrap; }
.universal-header .button:hover { background:#f3f0e8; border-color:#f3f0e8; }
.universal-header .menu-button,.universal-header .mobile-account-link,.universal-header .mobile-drawer-head,.universal-header .nav-scrim { display:none; }
.universal-header .sr-only { position:absolute!important; width:1px!important; height:1px!important; padding:0!important; margin:-1px!important; overflow:hidden!important; clip:rect(0,0,0,0)!important; white-space:nowrap!important; border:0!important; }

@media (max-width:1120px) {
  .universal-header .primary-nav { gap:20px; }
  .universal-header .primary-nav > a,.universal-header .nav-dropdown summary { font-size:10px; }
  .universal-header .header-actions { gap:14px; }
}
@media (max-width:1020px) {
  .universal-header { backdrop-filter:none!important; -webkit-backdrop-filter:none!important; }
  body.menu-open .universal-header { z-index:12000!important; }
  .universal-header .container { width:min(calc(100% - 26px),1240px)!important; }
  .universal-header .header__inner { min-height:70px; }
  .universal-header .brand { order:2; margin-right:auto; }
  .universal-header .menu-button { order:1; display:grid; width:44px; height:44px; place-content:center; gap:4px; margin:0; padding:0; border:0; background:transparent; cursor:pointer; }
  .universal-header .menu-button > span:not(.sr-only) { display:block; width:17px; height:1px; margin:0; background:#fff; }
  .universal-header .primary-nav { position:fixed; inset:0 auto 0 0; z-index:803; display:flex; flex-direction:column; align-items:stretch; gap:0; width:min(320px,88vw); max-height:none; overflow-y:auto; margin:0; padding:0 18px max(18px,env(safe-area-inset-bottom)); border:0; border-right:1px solid rgba(255,255,255,.1); background:rgba(11,17,22,.995); box-shadow:25px 0 70px rgba(0,0,0,.55); transform:translateX(-105%); transition:transform .25s ease; }
  .universal-header .primary-nav.open { transform:none; }
  .universal-header .mobile-drawer-head { display:flex; align-items:center; min-height:70px; margin:0 -2px 6px; border-bottom:1px solid rgba(255,255,255,.08); }
  .universal-header .mobile-drawer-head a { display:flex; align-items:center; gap:10px; padding:0; border:0; }
  .universal-header .mobile-drawer-head a::after { display:none; }
  .universal-header .mobile-drawer-head img { width:34px; height:34px; object-fit:contain; }
  .universal-header .mobile-drawer-head strong { color:#fff; font-size:10px; font-weight:800; letter-spacing:.18em; white-space:nowrap; }
  .universal-header .mobile-drawer-close { display:grid; width:44px; height:44px; place-content:center; margin-left:auto; padding:0; border:0; background:transparent; color:#fff; font:300 28px/1 'Segoe UI',sans-serif; cursor:pointer; }
  .universal-header .nav-scrim { position:fixed; display:block; inset:0; z-index:802; width:100%; height:100%; padding:0; border:0; background:rgba(2,4,8,.65); opacity:0; pointer-events:none; transition:opacity .25s ease; }
  body.menu-open .universal-header .nav-scrim { opacity:1; pointer-events:auto; }
  .universal-header .primary-nav a { padding:16px 8px; border-bottom:1px solid rgba(255,255,255,.08); font-size:13px; }
  .universal-header .primary-nav a[aria-current="page"]::after { display:none; }
  .universal-header .nav-dropdown { width:100%; }
  .universal-header .nav-dropdown summary { justify-content:space-between; width:100%; padding:16px 8px; border-bottom:1px solid rgba(255,255,255,.08); font-size:13px; }
  .universal-header .nav-dropdown summary::after { display:none; }
  .universal-header .nav-dropdown-menu { position:static; display:none; width:100%; padding:4px 0 8px 14px; border:0; border-bottom:1px solid rgba(255,255,255,.08); background:rgba(255,255,255,.025); box-shadow:none; opacity:1; visibility:visible; pointer-events:auto; transform:none; transition:none; }
  .universal-header .nav-dropdown[open] .nav-dropdown-menu { display:grid; transform:none; }
  .universal-header .nav-dropdown-menu a { padding:13px 12px; border-bottom:0; font-size:12px; }
  .universal-header .mobile-account-link { display:block; }
  .universal-header .header-actions { display:none; }
}
@media (max-width:420px) {
  .universal-header .brand-mark { width:39px; height:39px; }
  .universal-header .brand-copy--header { margin-left:9px; }
  .universal-header .brand-copy--header strong { font-size:9px; letter-spacing:.17em; }
}

/* FLB SITE-WIDE MOBILE AND ACCESSIBILITY PASS */
.premium-product .quicknav { top:80px !important; }
.premium-product .sec[id] { scroll-margin-top:148px; }
.premium-product .qnlink { display:inline-flex !important; align-items:center; min-height:44px; }
.matcher-button { min-height:44px; display:inline-flex; align-items:center; justify-content:center; }
.hero-video[role="button"]:focus-visible,
.faq-q:focus-visible,
.grid-mini:focus-visible { outline:2px solid #d5c29a; outline-offset:3px; }
.footer-nav a { min-height:44px; display:inline-flex; align-items:center; }
.site-footer nav a { min-height:44px; display:inline-flex; align-items:center; }
.checkout-drawer { overscroll-behavior:contain; }
.checkout-drawer__close { min-width:44px; min-height:44px; }
.grid-mini[role="region"] { overflow-x:auto; overscroll-behavior-x:contain; }

@media (max-width:1020px) {
  .universal-header .menu-button { width:44px; height:44px; }
  .universal-header .primary-nav {
    max-height:100vh;
    max-height:100dvh;
    padding-bottom:max(15px,env(safe-area-inset-bottom));
    overscroll-behavior:contain;
  }
  body.menu-open { overflow:hidden; }
  .premium-product .quicknav { top:70px !important; }
  .premium-product .sec[id] { scroll-margin-top:136px; }
}

@media (max-width:768px) {
  input:not([type="checkbox"]):not([type="radio"]), select, textarea { font-size:16px !important; }
  .footer__risk p, .footer__bottom, .site-footer .foot-legal { font-size:12px !important; }
  .compare-head-cell, .partner-stat-label { font-size:12px !important; }
  .grid-mini .gm-h, .grid-mini .gm-r { min-width:620px; font-size:12px !important; }
  .grid-mini .pill { font-size:11px !important; }
  .checkout-drawer__header { padding-top:max(23px,env(safe-area-inset-top)); }
  .checkout-drawer__body { padding-bottom:max(28px,env(safe-area-inset-bottom)); }
}

@media (prefers-reduced-motion:reduce) {
  html:focus-within { scroll-behavior:auto !important; }
  *, *::before, *::after {
    animation-duration:.01ms !important;
    animation-iteration-count:1 !important;
    scroll-behavior:auto !important;
    transition-duration:.01ms !important;
  }
}
.premium-product button.faq-q{width:100%;border:0;background:transparent;color:inherit;font:inherit;text-align:left}