:root{--kp-ink:#16212b;--kp-body:#2c3742;--kp-muted:#55626e;--kp-green:#00a161;--kp-green-dark:#00754a;--kp-mint:#f1f8f4;--kp-line:#e2e8ec}
.kp-c .wpb_text_column,.kp-c .wpb_text_column p,.kp-c .wpb_text_column li,.kp-c .vc_toggle_content,.kp-c .vc_toggle_content p,.kp-c .vc_message_box p{font-family:"Open Sans",Arial,sans-serif;font-size:17px;line-height:1.75;color:var(--kp-body)}
.kp-c .wpb_text_column p{margin:0 0 1.1em}
.kp-c .wpb_text_column strong{color:var(--kp-ink)}
.kp-c .wpb_text_column a{color:var(--kp-green-dark);font-weight:600;text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:3px}
.kp-c .wpb_text_column a:hover{color:var(--kp-ink)}
.kp-c .vc_custom_heading,.kp-c .wpb_text_column h2,.kp-c .wpb_text_column h3,.kp-c .wpb_text_column h4{font-family:Merriweather,Georgia,serif!important;color:var(--kp-ink)!important;letter-spacing:-.01em;line-height:1.3!important}
.kp-c h2.vc_custom_heading,.kp-c .wpb_text_column h2{font-size:30px!important;margin:0 0 22px!important}
.kp-c h2.vc_custom_heading::after,.kp-c .wpb_text_column h2::after{content:"";display:block;width:56px;height:3px;background:var(--kp-green);margin-top:14px;border-radius:2px}
.kp-c h2.vc_custom_heading[style*="center"]::after{margin-left:auto;margin-right:auto}
.kp-c h3.vc_custom_heading{font-size:24px!important;margin:0 0 16px!important}
.kp-c h4.vc_custom_heading,.kp-c h5.vc_custom_heading{font-size:19px!important;margin:0 0 10px!important}
.kp-c .wpb_text_column h3{font-size:20px;margin:30px 0 8px;padding-top:24px;border-top:1px solid var(--kp-line)}
.kp-c .wpb_text_column h3:first-child{margin-top:0;padding-top:0;border-top:0}
.kp-c .wpb_text_column ul{list-style:none!important;margin:0 0 1.2em!important;padding:0!important;color:var(--kp-body)!important}
.kp-c .wpb_text_column ul li{position:relative;padding:9px 0 9px 28px;border-bottom:1px solid var(--kp-line);color:var(--kp-body)!important;font-size:16px}
.kp-c .wpb_text_column ul li:last-child{border-bottom:0}
.kp-c .wpb_text_column ul li::before{content:"";position:absolute;left:4px;top:19px;width:9px;height:9px;border-radius:50%;background:var(--kp-green)}
.kp-c .vc_row.vc_row-has-fill{background-color:var(--kp-mint)!important;border-top:1px solid var(--kp-line);border-bottom:1px solid var(--kp-line)}
.kp-c .vc_row-has-fill .vc_inner>.wpb_column>.vc_column-inner>.wpb_wrapper{background:#fff;border:1px solid var(--kp-line);border-radius:12px;padding:26px 24px;box-shadow:0 1px 2px rgba(16,33,43,.04);height:100%}
.kp-c .vc_toggle{border:1px solid var(--kp-line);border-radius:8px;padding:10px 16px;margin:10px 0!important;background:#fff}
.kp-c .vc_toggle_title h4{font-family:"Open Sans",Arial,sans-serif!important;font-size:15px!important;font-weight:700;color:var(--kp-green-dark)!important;margin:0!important}
.kp-c .vc_toggle_content{margin-top:8px!important}
.kp-c .vc_toggle_content,.kp-c .vc_toggle_content p{font-size:15px}
.kp-c .vc_separator .vc_sep_line{border-color:var(--kp-line)!important}
.kp-c .wpb_single_image img{border-radius:12px}
.kp-c .vc_message_box{border-radius:8px;font-size:15px}
.kp-c .vc_tta-tabs-list .vc_tta-tab>a{font-family:"Open Sans",Arial,sans-serif;font-weight:600;color:var(--kp-ink)!important;border-radius:6px!important}
.kp-c .vc_tta-tabs-list .vc_tta-tab.vc_active>a{background:var(--kp-green)!important;color:#fff!important;border-color:var(--kp-green)!important}
.kp-c .vc_tta-panel-body{border:1px solid var(--kp-line)!important;border-radius:12px!important;background:#fff!important}
@media (max-width:767px){.kp-c .wpb_text_column,.kp-c .wpb_text_column p,.kp-c .wpb_text_column li{font-size:16px}.kp-c h2.vc_custom_heading,.kp-c .wpb_text_column h2{font-size:25px!important}.kp-c .vc_row-has-fill .vc_inner>.wpb_column>.vc_column-inner>.wpb_wrapper{padding:20px 18px;margin-bottom:14px}}
.kp-c .vc_row:not([data-vc-full-width]):not(.vc_row-has-fill):not(.vc_inner){max-width:1010px;margin-left:auto!important;margin-right:auto!important}
.kp-c .vc_row.vc_row-has-fill{padding-top:48px;padding-bottom:40px}
.kp-c .vc_row[data-vc-full-width]>.vc_col-sm-12,.kp-c .vc_row.vc_row-has-fill>.vc_col-sm-12{float:none;max-width:1010px;margin-left:auto;margin-right:auto}
.kp-c .vc_row-has-fill .vc_inner{margin-bottom:10px}
@media (max-width:767px){.kp-c .vc_row-has-fill .vc_inner>.wpb_column>.vc_column-inner>.wpb_wrapper{padding:20px 18px;margin-bottom:14px}}
.kp-c h4.vc_custom_heading,.kp-c h5.vc_custom_heading{font-weight:700!important;font-size:20px!important}
.kp-c h3.vc_custom_heading{font-weight:700!important}
@media (max-width:767px){.kp-c .wpb_text_column ul li,.kp-c .wpb_text_column p,.kp-c .vc_toggle_content{text-align:left!important}.kp-c .vc_row-has-fill .vc_inner>.wpb_column>.vc_column-inner>.wpb_wrapper{height:auto}}
.kp-c .vc_inner .wpb_text_column{margin-bottom:0!important}.kp-c .vc_inner .wpb_text_column ul{margin-bottom:0!important}
@media (max-width:767px){.kp-c .wpb_text_column h2,.kp-c .wpb_text_column h3,.kp-c .wpb_text_column h4{text-align:left!important}}
@media (max-width:767px){.kp-c .vc_row[data-vc-full-width]{padding-left:15px!important;padding-right:15px!important}}

/* risk page: tinted policy cards */
.kp-c.page-id-2996 .vc_row:not(.vc_row-has-fill) .wpb_wrapper>.vc_separator{display:none}
.kp-c.page-id-2996 .vc_row:not(.vc_row-has-fill) .vc_row.vc_inner{background:#f1f8f4;border:1px solid #d9ebe0;border-radius:14px;padding:20px 17px 6px;margin:0 0 22px!important}
.kp-c.page-id-2996 .vc_row:not(.vc_row-has-fill) .vc_row.vc_inner:nth-child(3n+2 of .vc_inner){background:#eef4f9;border-color:#d8e4ef}
.kp-c.page-id-2996 .vc_row:not(.vc_row-has-fill) .vc_row.vc_inner:nth-child(3n of .vc_inner){background:#faf6ee;border-color:#eee3cf}
.kp-c.page-id-2996 .vc_row:not(.vc_row-has-fill) .vc_inner .vc_col-sm-12>.vc_column-inner>.wpb_wrapper{max-width:none!important;margin:0!important}
.kp-c.page-id-2996 .vc_row:not(.vc_row-has-fill) .vc_inner h4.vc_custom_heading{text-align:left!important;font-size:21px!important;margin:0 0 12px!important}
.kp-c.page-id-2996 .vc_row:not(.vc_row-has-fill) .vc_inner .wpb_text_column ul li{border-bottom-color:rgba(22,33,43,.09)}
.kp-c.page-id-2996 .vc_row:not(.vc_row-has-fill) .wpb_wrapper>h4.vc_custom_heading:has(+.vc_inner){text-align:left!important;font-size:21px!important;margin:0!important;padding:28px 32px 6px;background:#f1f8f4;border:1px solid #d9ebe0;border-bottom:0;border-radius:14px 14px 0 0}
.kp-c.page-id-2996 .vc_row:not(.vc_row-has-fill) .wpb_wrapper>h4.vc_custom_heading:has(+.vc_inner:nth-child(3n+2 of .vc_inner)){background:#eef4f9;border-color:#d8e4ef}
.kp-c.page-id-2996 .vc_row:not(.vc_row-has-fill) .wpb_wrapper>h4.vc_custom_heading:has(+.vc_inner:nth-child(3n of .vc_inner)){background:#faf6ee;border-color:#eee3cf}
.kp-c.page-id-2996 .vc_row:not(.vc_row-has-fill) .wpb_wrapper>h4.vc_custom_heading+.vc_inner{border-top:0;border-radius:0 0 14px 14px;padding-top:10px}
.kp-c.page-id-2996 .vc_row:not(.vc_row-has-fill) .vc_inner:has(>.vc_col-sm-4){display:flex;flex-wrap:wrap}
.kp-c.page-id-2996 .vc_row:not(.vc_row-has-fill) .vc_inner>.vc_col-sm-4{float:none;margin-bottom:16px}
.kp-c.page-id-2996 .vc_row:not(.vc_row-has-fill) .vc_inner>.vc_col-sm-4>.vc_column-inner{height:100%}
.kp-c.page-id-2996 .vc_row:not(.vc_row-has-fill) .vc_inner>.vc_col-sm-4>.vc_column-inner>.wpb_wrapper{background:#fff;border:1px solid rgba(22,33,43,.08);border-radius:10px;padding:20px 20px 10px;height:100%}
.kp-c.page-id-2996 .vc_row:not(.vc_row-has-fill) .vc_inner>.vc_col-sm-4 .vc_toggle{background:#fbfcfd}
@media (max-width:767px){ .kp-c.page-id-2996 .vc_row:not(.vc_row-has-fill) .vc_row.vc_inner{padding:14px 3px 2px} .kp-c.page-id-2996 .vc_row:not(.vc_row-has-fill) .wpb_wrapper>h4.vc_custom_heading:has(+.vc_inner){padding:20px 18px 4px} .kp-c.page-id-2996 .vc_row:not(.vc_row-has-fill) .vc_inner>.vc_col-sm-4{width:100%} }

/* universal life cards */
.kp-c .vc_inner.kp-ul>.vc_col-sm-4>.vc_column-inner>.wpb_wrapper{display:flex;flex-direction:column;border-top:3px solid #00a161!important;padding:22px 22px 18px!important}
.kp-c .vc_inner.kp-ul .kp-uc{flex:1;display:flex;flex-direction:column;margin:0!important}
.kp-c .vc_inner.kp-ul .kp-uc>.wpb_wrapper{flex:1;display:flex;flex-direction:column}
.kp-c .vc_inner.kp-ul .kp-uc h3{font-size:19px!important;margin:0 0 10px!important;padding:0!important;border:0!important}
.kp-c .vc_inner.kp-ul .kp-uc p{font-size:15px!important;line-height:1.65!important;margin:0 0 14px!important}
.kp-c .vc_inner.kp-ul .kp-pc{border-radius:8px;padding:11px 14px 12px;font-family:'Open Sans',Arial,sans-serif;font-size:14px;line-height:1.6;color:#2c3742;margin-top:10px}
.kp-c .vc_inner.kp-ul .kp-pro{background:#eef8f2;border-left:3px solid #00a161}
.kp-c .vc_inner.kp-ul .kp-con{background:#fbf2ef;border-left:3px solid #c0583f}
.kp-c .vc_inner.kp-ul .kp-pc span{display:block;font-size:11.5px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;margin-bottom:3px;color:#00754a}
.kp-c .vc_inner.kp-ul .kp-con span{color:#a3452f}
.kp-c .vc_inner.kp-ul .kp-uc,.kp-c .vc_inner.kp-ul .kp-uc *{text-align:left!important}

/* services overview grid */
.kp-c .kp-svc-wrap p.kp-svc-intro{text-align:center;color:#55626e;margin:-6px 0 34px}
.kp-c .kp-svc{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px}
.kp-c .kp-svc-card{background:#f6faf7;border:1px solid #e0ebe4;border-top:3px solid #00a161;border-radius:14px;padding:24px 24px 14px}
.kp-c .kp-svc-wrap .kp-svc-card h3{font-size:20px!important;margin:0 0 12px!important;padding:0!important;border:0!important}
.kp-c .kp-svc-wrap .kp-svc-card ul{margin:0!important}
.kp-c .kp-svc-wrap .kp-svc-card ul li{font-size:15.5px!important;line-height:1.5;font-weight:400;padding:9px 0 9px 24px;border-bottom:1px solid #e3ece6}
.kp-c .kp-svc-wrap .kp-svc-card ul li::before{left:2px;top:16px;width:7px;height:7px}
.kp-c .kp-svc-card li small{display:block;font-size:13.5px;line-height:1.5;color:#5f6c77;margin-top:3px}
@media (max-width:991px){.kp-c .kp-svc{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:640px){.kp-c .kp-svc{grid-template-columns:1fr;gap:16px}.kp-c .kp-svc-card{padding:20px 18px 10px}}.kp-c .kp-svc-wrap .kp-svc-card ul li:last-child{border-bottom:0}