.section-wyd{background-color:var(--light)}.wyd-row{display:flex;align-items:flex-start;gap:48px}.wyd-left{flex:0 0 36%;min-width:0}.wyd-heading{font-weight:700;font-size:clamp(1.875rem,2.8vw,2.75rem);line-height:1.18;color:var(--secondary-dark-green);margin:0 0 20px}.wyd-desc{font-size:clamp(.875rem,1.05vw,.9375rem);line-height:1.75;color:var(--black);margin:0 0 32px;opacity:.85}.wyd-nav{display:flex;flex-direction:column;gap:2px;position:relative;padding-left:20px}.wyd-nav:before{content:"";position:absolute;left:0;top:0;bottom:0;width:5px;background-color:#2f4c4726;border-radius:3px}.wyd-nav-item{display:block;width:100%;text-align:left;background:none;border:none;padding:10px 0;font-size:clamp(.9rem,2.1vw,1rem);font-weight:400;color:var(--black);opacity:.5;cursor:pointer;transition:opacity .18s,color .18s;outline:none;line-height:1.3;position:relative}.wyd-nav-item:before{content:"";position:absolute;left:-20px;top:0;bottom:0;width:5px;background-color:transparent;border-radius:3px;transition:background-color .2s}.wyd-nav-item:hover{opacity:.75}.wyd-nav-item.is-active{opacity:1;font-weight:700;color:var(--secondary-dark-green)}.wyd-nav-item.is-active:before{background-color:var(--secondary-dark-green)}.wyd-right{flex:1;min-width:0}.wyd-panel{display:none;background-color:var(--secondary-cream, #efece2);border-radius:var(--radius-lg-card-carousel, 45px);padding:36px 40px 40px;min-height:420px}.wyd-panel.is-active{display:block}.wyd-num{width:52px;height:52px;border-radius:50%;background-color:var(--primary-orange);color:#fff;font-weight:700;font-size:1.25rem;display:flex;align-items:center;justify-content:center;margin-bottom:28px;flex-shrink:0;align-self:flex-start}.wyd-panel-title{font-weight:700;font-size:clamp(1rem,1.3vw,1.125rem);color:var(--secondary-dark-green);margin:0 0 16px;line-height:1.3}.wyd-panel-body{font-size:clamp(.875rem,1.05vw,.9375rem);line-height:1.75;color:var(--black);margin:0 0 24px}.wyd-panel-body a{color:var(--black);text-decoration:underline;text-underline-offset:2px;transition:color .18s}.wyd-panel-body a:hover{color:var(--secondary-dark-green)}.wyd-callout{background-color:var(--secondary-dark-green);border-radius:16px;padding:20px 24px;margin-top:8px}.wyd-callout p{font-size:clamp(.8125rem,.95vw,.875rem);line-height:1.7;color:#ffffffe6;margin:0}.wyd-callout strong{color:var(--primary-orange);font-weight:600}@media(max-width:991.98px){.wyd-row{gap:36px}.wyd-left{flex:0 0 38%}}@media(max-width:767.98px){.wyd-row{flex-direction:column;gap:32px}.wyd-left{flex:0 0 100%;width:100%}.wyd-right{width:100%}.wyd-heading{font-size:clamp(1.625rem,6.5vw,2rem)}.wyd-nav-scroll{overflow-x:auto;overflow-y:visible;-webkit-overflow-scrolling:touch;scrollbar-width:none;-ms-overflow-style:none;padding-bottom:0}.wyd-nav-scroll::-webkit-scrollbar{display:none}.wyd-nav{display:inline-flex;flex-direction:row;flex-wrap:nowrap;min-width:100%;padding:0;gap:0;margin:0;border-bottom:3px solid rgba(47,76,71,.15)}.wyd-nav:before{display:none}.wyd-nav-item{display:inline-block;width:auto;flex-shrink:0;white-space:nowrap;padding:10px 14px;font-size:1rem;font-weight:400;opacity:.55;border-bottom:3px solid transparent;margin-bottom:-3px}.wyd-nav-item:before{display:none}.wyd-nav-item:hover{opacity:.75}.wyd-nav-item.is-active{opacity:1;font-weight:700;color:var(--secondary-dark-green);border-bottom:3px solid var(--secondary-dark-green)}.wyd-panel{padding:24px 20px 28px;min-height:unset;border-radius:var(--radius-lg-card-carousel, 45px)}}.section-denial-types{background-color:var(--light);text-align:center}.dt-heading{font-weight:700;font-size:clamp(1.875rem,3vw,2.875rem);line-height:1.22;color:var(--secondary-dark-green);margin:0 0 40px!important}.dt-subtext{max-width:680px;margin:0 auto 40px!important;font-size:clamp(.875rem,1.05vw,.9375rem);line-height:1.75;color:var(--black);opacity:.85}.dt-cards{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-bottom:48px;text-align:left}.dt-card{border-radius:55px;padding:40px 32px 44px;display:flex;flex-direction:column;justify-content:flex-end;min-height:240px}.dt-card--technical{background-color:var(--anti-flash-white, #f2f2f7)}.dt-card--medical{background-color:var(--secondary-light-green)}.dt-card-label{font-weight:700;font-size:clamp(.9375rem,1.1vw,1rem);color:var(--secondary-dark-green);margin:0 0 12px;line-height:1.3}.dt-card-body{font-size:clamp(.8125rem,.95vw,.875rem);line-height:1.72;color:var(--black);margin:0;opacity:.85}.dt-footer{max-width:680px;margin:0 auto;font-size:clamp(.875rem,1.05vw,.9375rem);line-height:1.75;color:var(--black);opacity:.85}@media(max-width:767.98px){.dt-heading{font-size:clamp(1.625rem,6.5vw,2rem)}.dt-cards{grid-template-columns:1fr;gap:14px;margin-bottom:36px}.dt-card{min-height:unset;padding:28px 24px 32px}}.section-after-denial{background:linear-gradient(to bottom,var(--primary-cream) 50%,var(--secondary-dark-green) 50%)}.ad-cta{display:flex;align-items:center;justify-content:space-between;gap:32px}.ad-cta-heading{font-weight:500!important;font-size:clamp(1.625rem,2.4vw,2.25rem);line-height:1.18;color:var(--light);margin:0}@media(max-width:767px){.ad-cta{flex-direction:column;align-items:flex-start;gap:20px}}.section-appeal-reapply{background-color:var(--light);text-align:center}.ar2-heading{font-weight:700;font-size:clamp(1.875rem,3vw,2.875rem);line-height:1.22;color:var(--secondary-dark-green);margin:0 0 25px!important}.ar2-subtext{max-width:680px;margin:0 auto 40px!important;font-size:clamp(.875rem,1.05vw,.9375rem);line-height:1.75;color:var(--black);opacity:.85}.ar2-table-container{text-align:left;max-width:860px;margin:0 auto 48px}.ar2-yes,.ar2-no{display:inline-flex;align-items:center;gap:6px;font-size:clamp(.8rem,.95vw,.875rem)}.ar2-yes svg{color:var(--secondary-turquoise, #5cbfb5)}.ar2-no svg{color:#2f4c4773}.ar2-icon{width:20px;height:20px;flex-shrink:0;display:block}.ar2-footer{max-width:680px;margin:0 auto;font-size:clamp(.875rem,1.05vw,.9375rem);line-height:1.75;color:var(--black);opacity:.85}@media(max-width:767.98px){.ar2-heading{font-size:clamp(1.625rem,6.5vw,2rem)}}.section-hcf{background:linear-gradient(to bottom,var(--primary-cream) 50%,var(--secondary-dark-green) 50%)}.faq-section{background-color:var(--light)}.section-hcf .st-card{width:auto;margin:0 32px}@media(max-width:767px){.section-hcf .st-card{margin:0 12px}}.hcf-footer{text-align:center}.hcf-citation{max-width:680px;margin:0 auto;font-size:clamp(.8125rem,.95vw,.875rem);line-height:1.72;color:var(--light);opacity:.85}.hcf-citation a{color:var(--light);font-weight:700;text-decoration:underline;text-underline-offset:2px;transition:color .18s}.hcf-citation a:hover{color:var(--light)}.hcf-footer .section-cta-banner__actions{margin-top:28px}.hcf-footer .sh-phone-btn{padding:var(--btn-padding-y-tab) var(--btn-padding-x-tab);margin-bottom:0}.hcf-disclaimer{margin:32px auto 0;text-align:left}@media(max-width:767px){.hcf-footer{padding:44px 0 48px}}