.fdvc{--navy:#24364B;--tan:#C9A77A;--beige:#EFE7DD;--text:#4D4C4C;--terra:#C96549;--blue:#7890A6;box-sizing:border-box;font-family:inherit;color:var(--text);margin:2rem 0;line-height:1.45}.fdvc *{box-sizing:border-box}.fdvc-card{background:#fff;border:2px solid var(--navy);border-radius:12px;padding:24px}.fdvc-card.accent{border-color:var(--tan)}.fdvc-card.terra{border-color:var(--terra)}.fdvc h2{font-family:inherit!important;color:var(--navy);font-size:clamp(1.4rem,3vw,2rem);line-height:1.15;margin:0 0 6px;font-weight:750}.fdvc-deck{margin:0 0 20px}.fdvc-source{font-size:.78rem;margin:18px 0 0}.fdvc-key-grid{display:grid;grid-template-columns:repeat(4,1fr)}.fdvc-stat{text-align:center;padding:8px 16px;border-right:1px solid #E2DED9}.fdvc-stat:last-child{border:0}.fdvc-icon{width:58px;height:58px;border-radius:50%;background:var(--beige);color:var(--navy);display:grid;place-items:center;margin:0 auto 10px;font-weight:800;font-size:1.2rem}.fdvc-icon.tan{color:#8B6330}.fdvc-stat strong{display:block;color:var(--navy);font-size:clamp(1.3rem,3vw,2rem);line-height:1.05}.fdvc-stat b{color:var(--navy)}.fdvc-stat p{font-size:.9rem;margin:14px 0 0}.fdvc-table-wrap{overflow-x:auto}.fdvc table{width:100%;border-collapse:collapse;font-size:.9rem}.fdvc th{background:var(--beige);color:var(--navy);text-align:left}.fdvc th,.fdvc td{padding:10px 12px;border-bottom:1px solid #E2DED9;vertical-align:top}.fdvc td:nth-child(2){white-space:nowrap;color:var(--navy)}.fdvc-chart{height:300px;display:grid;grid-template-columns:repeat(4,1fr);gap:18px;align-items:end;padding-top:16px;border-bottom:1px solid var(--navy)}.fdvc-bar-item{height:100%;display:grid;grid-template-rows:auto 1fr auto auto;text-align:center}.fdvc-bar-item .value{color:var(--navy);font-size:1.05rem}.fdvc-bar-item .track{height:185px;display:flex;align-items:flex-end;padding:0 8px}.fdvc-bar-item .bar{width:100%;display:block}.b1{background:var(--navy)}.b2{background:var(--tan)}.b3{background:var(--terra)}.b4{background:var(--blue)}.fdvc-bar-item>b{color:var(--navy);font-size:.86rem}.fdvc-bar-item small{font-size:.74rem;line-height:1.25}.fdvc-flow{display:flex;align-items:stretch;gap:8px}.fdvc-flow>div{flex:1;background:#F3F5F6;border-radius:9px;padding:18px 8px;text-align:center;display:flex;flex-direction:column;justify-content:center}.fdvc-flow>i{align-self:center;font-style:normal;color:var(--navy);font-size:1.4rem}.fdvc-flow b{font-size:1.4rem;color:var(--navy)}.fdvc-flow span,.fdvc-flow small{font-size:.78rem}.fdvc-flow .owner{background:#F6DED7}.fdvc-flow .insurer{background:#DDE7D7}.fdvc-note{background:var(--beige);border-radius:8px;padding:10px 14px;font-size:.8rem;margin:14px 0 0}.fdvc-steps{display:grid;grid-template-columns:repeat(6,1fr);gap:12px;margin-top:20px}.fdvc-steps>div{text-align:center}.fdvc-steps span{width:32px;height:32px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;margin:0 auto 10px;font-weight:800}.fdvc-steps>div:nth-child(2) span,.fdvc-steps>div:nth-child(5) span{background:var(--tan)}.fdvc-steps>div:nth-child(3) span{background:var(--terra)}.fdvc-steps>div:nth-child(4) span{background:var(--blue)}.fdvc-steps b{display:block;color:var(--navy);font-size:.86rem}.fdvc-steps p{font-size:.74rem;line-height:1.3;margin:6px 0}.fdvc-cta{border-color:var(--tan);display:grid;grid-template-columns:auto 1fr auto;gap:22px;align-items:center}.fdvc-cta .paw{width:92px;height:92px;border-radius:50%;background:var(--beige);display:grid;place-items:center;font-size:2.8rem}.fdvc-cta a{display:inline-block;background:var(--terra);color:#fff!important;text-decoration:none!important;padding:12px 20px;border-radius:9px;font-weight:700}.fdvc-cta ul{list-style:none;margin:0;padding:0;min-width:200px}.fdvc-cta li{margin:8px 0}.fdvc-cta li:before{content:"✓ ";color:#8B6330;font-weight:800}@media(max-width:760px){.fdvc-card{padding:18px}.fdvc-key-grid{grid-template-columns:1fr 1fr}.fdvc-stat{border-right:0;border-bottom:1px solid #E2DED9;padding:18px 10px}.fdvc-chart{height:auto;grid-template-columns:1fr;border:0;gap:0}.fdvc-bar-item{display:grid;grid-template-columns:110px 1fr;grid-template-rows:auto auto;text-align:left;border-bottom:1px solid #E2DED9;padding:10px 0}.fdvc-bar-item .track{display:none}.fdvc-bar-item .value{grid-column:1}.fdvc-bar-item>b{grid-column:2;grid-row:1}.fdvc-bar-item small{grid-column:2;grid-row:2}.fdvc-flow{display:grid;grid-template-columns:1fr 1fr}.fdvc-flow>i{display:none}.fdvc-steps{grid-template-columns:1fr 1fr}.fdvc-cta{grid-template-columns:1fr;text-align:center}.fdvc-cta .paw{margin:auto}.fdvc-cta ul{text-align:left;margin:auto}.fdvc-cta a{display:block}}@media(max-width:420px){.fdvc-key-grid,.fdvc-flow,.fdvc-steps{grid-template-columns:1fr}.fdvc-stat{border-bottom:1px solid #E2DED9!important}.fdvc-stat:last-child{border-bottom:0!important}}
/* v1.1: visual titles are subordinate to article section H2s */
.fdvc .fdvc-title{font-size:clamp(1.2rem,2.2vw,1.55rem);line-height:1.25;margin:0 0 .45rem;color:#24364B;font-weight:700;}


/* v1.2: article overview roadmap */
.fdvc-overview{border-color:var(--tan)}
.fdvc-roadmap{margin-top:20px}
.fdvc-roadmap-item{display:grid;grid-template-columns:48px 1fr;gap:16px;align-items:start}
.fdvc-roadmap-num{width:42px;height:42px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:800;font-size:1rem}
.fdvc-roadmap-item:nth-of-type(4n+3) .fdvc-roadmap-num{background:var(--tan);color:var(--navy)}
.fdvc-roadmap-item b{display:block;color:var(--navy);font-size:1rem;margin:1px 0 4px}
.fdvc-roadmap-item p{margin:0;font-size:.9rem;line-height:1.45}
.fdvc-roadmap-arrow{margin:4px 0 4px 20px;color:var(--tan);font-size:1.25rem;font-weight:800;line-height:1}
.fdvc-roadmap-bottom{margin:20px 0 0;padding:12px 14px;background:var(--beige);border-radius:8px;color:var(--navy)}
@media(max-width:420px){
  .fdvc-roadmap-item{grid-template-columns:38px 1fr;gap:12px}
  .fdvc-roadmap-num{width:34px;height:34px}
  .fdvc-roadmap-arrow{margin-left:16px}
}


/* v1.3: mobile market comparison */
.fdvc-market-mobile{display:none}
@media(max-width:640px){
  .fdvc-market-table-placeholder{display:none}
  .fdvc-card:has(.fdvc-market-mobile) .fdvc-table-wrap{display:none}
  .fdvc-market-mobile{display:block;margin-top:14px}
  .fdvc-market-record{padding:16px 0;border-top:1px solid var(--line)}
  .fdvc-market-record:first-child{border-top:0;padding-top:4px}
  .fdvc-market-name{color:var(--navy);font-weight:800;line-height:1.35}
  .fdvc-market-figure{margin-top:5px;color:var(--navy);font-weight:800;font-size:1.05rem}
  .fdvc-market-meaning{margin-top:6px;font-size:.9rem;line-height:1.5}
}


/* v1.4: puppy insurance coverage visuals */
.fdvc-cover-overview{border-color:var(--tan)}
.fdvc-cover-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:18px}
.fdvc-cover-group{border:1px solid #E2DED9;border-radius:10px;overflow:hidden;background:#fff}
.fdvc-cover-group-head{min-height:64px;padding:14px;display:flex;align-items:center;gap:10px;color:var(--navy)}
.fdvc-cover-group-head span{width:12px;height:12px;border-radius:50%;background:var(--navy);flex:0 0 auto}
.fdvc-cover-group.maybe .fdvc-cover-group-head{background:var(--beige)}
.fdvc-cover-group.maybe .fdvc-cover-group-head span{background:var(--tan)}
.fdvc-cover-group.routine .fdvc-cover-group-head{background:#F6E8E3}
.fdvc-cover-group.routine .fdvc-cover-group-head span{background:var(--terra)}
.fdvc-cover-group.core .fdvc-cover-group-head{background:#EEF2F5}
.fdvc-cover-group ul{list-style:none;margin:0;padding:8px 16px 14px}
.fdvc-cover-group li{padding:8px 0;border-bottom:1px solid #E2DED9;font-size:.9rem}
.fdvc-cover-group li:last-child{border-bottom:0}
.fdvc-cover-group li:before{content:"•";color:var(--tan);font-weight:800;margin-right:8px}

.fdvc-journey{display:grid;grid-template-columns:1fr auto 1fr auto 1fr auto 1fr auto 1fr;gap:8px;align-items:stretch;margin-top:18px}
.fdvc-journey-step{background:#F3F5F6;border-radius:10px;padding:16px 12px;text-align:center}
.fdvc-journey-num{width:34px;height:34px;border-radius:50%;display:grid;place-items:center;margin:0 auto 10px;background:var(--navy);color:#fff;font-weight:800}
.fdvc-journey-step:nth-of-type(3) .fdvc-journey-num,.fdvc-journey-step:nth-of-type(7) .fdvc-journey-num{background:var(--tan);color:var(--navy)}
.fdvc-journey-step b{display:block;color:var(--navy);font-size:.9rem}
.fdvc-journey-step p{font-size:.76rem;line-height:1.35;margin:6px 0 0}
.fdvc-journey-arrow{align-self:center;color:var(--tan);font-size:1.35rem;font-weight:800}

.fdvc-compare-table{border:1px solid #E2DED9;border-radius:10px;overflow:hidden;margin-top:18px}
.fdvc-compare-head,.fdvc-compare-row{display:grid;grid-template-columns:1fr 1fr}
.fdvc-compare-head>div{padding:12px 14px;background:var(--navy);color:#fff;font-weight:800}
.fdvc-compare-head>div+div{background:var(--beige);color:var(--navy)}
.fdvc-compare-row>div{display:flex;gap:10px;align-items:flex-start;padding:11px 14px;border-top:1px solid #E2DED9}
.fdvc-compare-row>div+div{border-left:1px solid #E2DED9}
.fdvc-compare-mark{width:24px;height:24px;border-radius:50%;display:grid;place-items:center;flex:0 0 auto;font-size:.8rem;font-weight:800}
.fdvc-compare-mark.claim{background:#EEF2F5;color:var(--navy)}
.fdvc-compare-mark.routine{background:var(--beige);color:#8B6330}

.fdvc-covered-check{border-color:var(--tan)}
.fdvc-covered-list{margin-top:18px}
.fdvc-covered-item{display:grid;grid-template-columns:48px 1fr;gap:16px;align-items:start}
.fdvc-covered-num{width:42px;height:42px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:800}
.fdvc-covered-item:nth-of-type(4n+3) .fdvc-covered-num{background:var(--tan);color:var(--navy)}
.fdvc-covered-item b{display:block;color:var(--navy);margin:1px 0 4px}
.fdvc-covered-item p{margin:0;font-size:.9rem;line-height:1.45}
.fdvc-covered-arrow{margin:4px 0 4px 20px;color:var(--tan);font-size:1.25rem;font-weight:800;line-height:1}

@media(max-width:760px){
  .fdvc-cover-grid{grid-template-columns:1fr}
  .fdvc-cover-group-head{min-height:0}
  .fdvc-journey{grid-template-columns:1fr;gap:0}
  .fdvc-journey-step{text-align:left;display:grid;grid-template-columns:40px 1fr;column-gap:12px;padding:14px}
  .fdvc-journey-num{grid-row:1 / span 2;margin:0}
  .fdvc-journey-step b{align-self:end}
  .fdvc-journey-step p{grid-column:2;margin-top:3px}
  .fdvc-journey-arrow{text-align:center;transform:rotate(90deg);line-height:1;padding:4px 0}
}
@media(max-width:640px){
  .fdvc-compare-head{display:none}
  .fdvc-compare-row{grid-template-columns:1fr;padding:0}
  .fdvc-compare-row>div{border-left:0!important;padding:12px 14px}
  .fdvc-compare-row>div:first-child:before{content:"Potential insurance claim";display:block;width:100%;color:var(--navy);font-size:.72rem;font-weight:800;text-transform:uppercase;letter-spacing:.03em}
  .fdvc-compare-row>div:first-child{flex-wrap:wrap;background:#F8FAFB}
  .fdvc-compare-row>div:first-child .fdvc-compare-mark{order:2}
  .fdvc-compare-row>div:first-child span:last-child{order:3;flex:1}
  .fdvc-compare-row>div+div:before{content:"Routine ownership cost";display:block;width:100%;color:#8B6330;font-size:.72rem;font-weight:800;text-transform:uppercase;letter-spacing:.03em}
  .fdvc-compare-row>div+div{flex-wrap:wrap;border-top:1px dashed #E2DED9}
  .fdvc-compare-row>div+div .fdvc-compare-mark{order:2}
  .fdvc-compare-row>div+div span:last-child{order:3;flex:1}
}
@media(max-width:420px){
  .fdvc-covered-item{grid-template-columns:38px 1fr;gap:12px}
  .fdvc-covered-num{width:34px;height:34px}
  .fdvc-covered-arrow{margin-left:16px}
}


/* v1.5: monthly dog costs at a glance */
.fdvc-dog-cost-overview{border-color:var(--tan)}
.fdvc-dog-cost-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:18px}
.fdvc-dog-cost-stat{border:1px solid var(--line);border-radius:10px;padding:20px 16px;text-align:center;background:#fff}
.fdvc-dog-cost-stat:nth-child(2){background:var(--beige)}
.fdvc-dog-cost-stat b{display:block;color:var(--navy);font-size:.92rem;margin-bottom:8px}
.fdvc-dog-cost-stat strong{display:block;color:var(--navy);font-size:2rem;line-height:1.05}
.fdvc-dog-cost-stat span{display:block;font-size:.82rem;margin-top:3px}
.fdvc-dog-cost-stat small{display:block;border-top:1px solid var(--line);margin-top:13px;padding-top:11px;font-size:.78rem;line-height:1.35}
.fdvc-dog-cost-includes{margin-top:16px;padding:14px 16px;background:#F3F5F6;border-radius:9px}
.fdvc-dog-cost-includes b{display:block;color:var(--navy);margin-bottom:4px}
.fdvc-dog-cost-includes p{margin:0;font-size:.88rem;line-height:1.5}
.fdvc-dog-cost-warning{margin:12px 0 0;padding:12px 14px;background:var(--beige);border-radius:8px;font-size:.86rem;line-height:1.5}
@media(max-width:640px){
  .fdvc-dog-cost-grid{grid-template-columns:1fr;gap:10px}
  .fdvc-dog-cost-stat{display:grid;grid-template-columns:1fr auto;grid-template-rows:auto auto auto;text-align:left;column-gap:16px;padding:16px}
  .fdvc-dog-cost-stat b{grid-column:1;grid-row:1;margin:0;align-self:end}
  .fdvc-dog-cost-stat strong{grid-column:2;grid-row:1 / span 2;font-size:1.75rem;align-self:center}
  .fdvc-dog-cost-stat span{grid-column:1;grid-row:2;margin-top:2px}
  .fdvc-dog-cost-stat small{grid-column:1 / -1;grid-row:3;margin-top:10px;padding-top:9px}
}