.fee-insurance-grid { display:grid; grid-template-columns:repeat(2,minmax(0,1fr)); gap:28px; }
.fee-insurance-grid article { padding:clamp(24px,3vw,40px); border:1px solid var(--line); border-top:3px solid var(--brand); min-width:0; }
.fee-insurance-grid h3 { font-family:var(--serif); font-weight:400; font-size:30px; margin-block:16px; }
.fee-insurance-grid .eyebrow { color:var(--brand-dark); }
.fee-key { font-size:14px; color:var(--muted); border-block:1px solid var(--line); padding-block:16px; margin-bottom:24px; }
.fee-key span { display:block; margin-top:4px; font-size:clamp(20px,2.2vw,28px); color:var(--brand-dark); font-weight:500; }
.fee-insurance-grid .scope-note { margin-top:20px; }
.fee-help-note { display:grid; grid-template-columns:.85fr 1.15fr; gap:32px; align-items:center; background:var(--light-gray); padding:32px; margin-top:28px; }
.fee-help-note > * { min-width:0; }
.fee-help-note h3,.fee-outside h3,.fee-prepare h3,.fee-contact h3 { font-family:var(--serif); font-weight:400; font-size:clamp(22px,2.4vw,28px); }
.fee-factors { list-style:none; margin:0; padding:0; }
.fee-factors li { display:grid; grid-template-columns:170px minmax(0,1fr); gap:36px; padding-block:30px; border-top:1px solid #c9d0d6; }
.fee-factors li:last-child { border-bottom:1px solid #c9d0d6; }
.fee-factors .eyebrow { color:var(--brand-dark); padding-top:8px; }
.fee-factors h3 { font-size:23px; font-weight:500; margin-bottom:12px; }
.fee-outside { margin-top:32px; padding:32px; background:var(--paper); border-left:3px solid var(--brand); }
.fee-outside p { margin-block:18px; }
.fee-care-layout { display:grid; grid-template-columns:1.25fr .75fr; align-items:center; gap:clamp(32px,5vw,64px); }
.fee-care-layout > * { min-width:0; }
.fee-care-layout > div:first-child > p { margin-top:22px; }
.fee-care-layout .button { margin-top:28px; }
.fee-care-amount { padding:36px 26px; background:var(--light-gray); text-align:center; }
.fee-care-amount > p:first-child { font-size:16px; }
.fee-care-amount > p:last-child { font-size:14px; color:var(--muted); }
.fee-zero { font-family:var(--serif); color:var(--brand-dark); font-size:clamp(76px,8vw,112px); line-height:1.5; margin-block:12px; }
.fee-zero span { font-size:28px; margin-left:12px; }
.fee-consult-layout { display:grid; grid-template-columns:.9fr 1.1fr; gap:32px; }
.fee-consult-layout > div { min-width:0; padding:32px; }
.fee-prepare { background:var(--light-gray); }
.fee-prepare ul { margin-block:20px; padding-left:1.3em; }
.fee-prepare li { padding-block:5px; }
.fee-prepare li::marker { color:var(--brand); }
.fee-prepare > p { font-size:14px; }
.fee-contact { border:1px solid var(--line); border-top:3px solid var(--brand); }
.fee-contact .eyebrow { color:var(--brand-dark); }
.fee-contact h3 { margin-block:18px; }
.fee-contact .service-phone { margin-top:20px; }
.fee-contact .text-link { margin-top:24px; }
.fee-references { margin-top:40px; padding-top:22px; border-top:1px solid var(--line); font-size:14px; color:var(--muted); }
.fee-references summary { cursor:pointer; min-height:44px; padding-block:8px; }
.fee-references ul { padding-left:1.3em; }
.fee-references a { display:inline-block; min-height:44px; padding-block:8px; text-decoration:underline; text-underline-offset:4px; }
.fee-references a:hover { color:var(--brand-dark); }
@media(max-width:900px) {
 .fee-help-note { grid-template-columns:1fr; gap:20px; }
 .fee-factors li { grid-template-columns:130px minmax(0,1fr); gap:24px; }
 .fee-care-layout { grid-template-columns:1fr .8fr; gap:32px; }
 .fee-consult-layout { grid-template-columns:1fr; }
}
@media(max-width:640px) {
 .fee-insurance-grid,.fee-care-layout { grid-template-columns:1fr; }
 .fee-help-note,.fee-outside,.fee-consult-layout > div { padding:24px; }
 .fee-factors li { grid-template-columns:1fr; gap:12px; padding-block:24px; }
 .fee-care-layout .button { width:100%; }
 .fee-care-amount { width:100%; }
}