:root{--navy:#101f36;--ink:#192a40;--blue:#265cec;--pale:#eef3fb;--line:#dbe2ec;--muted:#526276}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:100px}body{margin:0;font:16px/1.65 -apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:white}a{color:inherit;text-underline-offset:4px}button,input,select,textarea{font:inherit}button,a,input,select,summary,textarea{-webkit-tap-highlight-color:transparent}a:focus-visible,button:focus-visible,summary:focus-visible{outline:3px solid #779dff;outline-offset:5px}.wrap{max-width:1200px;margin:auto;padding:0 32px}.skip{position:fixed;left:10px;top:-100px;background:white;padding:12px;z-index:20}.skip:focus{top:10px}header{position:sticky;top:0;background:#fffffff5;border-bottom:1px solid var(--line);z-index:10}.header-inner{min-height:98px;display:flex;align-items:center;justify-content:space-between;gap:22px}.brand{display:flex;align-items:center;gap:13px;text-decoration:none;font-size:21px;font-weight:650;letter-spacing:-.5px}.brand small{display:block;font-size:10px;letter-spacing:1.5px;font-weight:600;margin-top:2px}.monogram{display:grid;place-items:center;width:43px;height:48px;background:var(--navy);color:white;font:32px Georgia,serif;border-radius:2px}nav{display:flex;align-items:center;gap:25px}nav>a{font-size:14px;text-decoration:none;font-weight:600}nav>a:hover{color:var(--blue)}.button{display:inline-flex;align-items:center;justify-content:center;padding:14px 23px;background:var(--blue);color:white;border:1px solid var(--blue);border-radius:5px;text-decoration:none;font-size:15px;font-weight:650;cursor:pointer;transition:background .2s}.button:hover{background:#1949c9;color:white}.button.small{padding:11px 17px;font-size:14px}.menu-toggle{display:none}.hero{background:var(--navy);color:white;padding:84px 0 77px}.hero-grid{display:grid;grid-template-columns:1.2fr 1fr;align-items:center;gap:72px}.eyebrow{font-size:12px;letter-spacing:2px;font-weight:700;color:var(--blue);margin:0 0 20px}.eyebrow.light{color:#9dbaff}h1,h2,h3,p{margin-top:0}h1{font:normal clamp(48px,5.5vw,76px)/1.08 Georgia,serif;letter-spacing:-2px;margin-bottom:27px}h1 em{color:#a8c5ff;font-weight:400}h2{font:normal 40px/1.18 Georgia,serif;letter-spacing:-1px;margin-bottom:24px}h3{font-size:24px;line-height:1.3;letter-spacing:-.6px;margin-bottom:14px}.hero-copy{color:#cfdae9;font-size:18px;max-width:520px;line-height:1.75}.actions{display:flex;gap:14px;margin-top:32px;flex-wrap:wrap}.outline{background:transparent;border-color:#65748a}.outline:hover{background:#24334a}.hero-note{font-size:13px;color:#adbdd3;margin-top:17px;margin-bottom:0}.hero-panel{background:#fff;color:var(--ink);padding:35px 33px 0;border-radius:7px;box-shadow:0 24px 60px #0002}.hero-panel h2{font-size:34px}.hero-panel>a{display:flex;align-items:center;gap:17px;border-top:1px solid var(--line);padding:23px 0;text-decoration:none;font-weight:650}.hero-panel>a:hover{color:var(--blue)}.hero-panel>a>span:last-child{margin-left:auto;font-size:23px;font-weight:400}.panel-number{color:#77859a;font-size:12px;font-weight:500}.hero-panel small{display:block;font-size:13px;font-weight:400;color:var(--muted);margin-top:3px}.panel-footer{font-size:12px;color:var(--muted);border-top:1px solid var(--line);padding:18px 0}.value-strip{background:var(--pale);border-bottom:1px solid var(--line)}.value-strip .wrap{display:flex;justify-content:space-between;gap:15px;padding-top:20px;padding-bottom:20px}.value-strip span{font-size:14px;font-weight:600}.section{padding:90px 0}.section-heading{display:grid;grid-template-columns:1.3fr 1fr;gap:90px;align-items:end;margin-bottom:38px}.section-heading h2{margin-bottom:0}.section-heading>p{color:var(--muted);margin-bottom:0}.coverage-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.coverage-card{padding:30px;border:1px solid var(--line);border-radius:6px;display:flex;flex-direction:column}.card-label{color:var(--muted);font-size:10px;font-weight:700;letter-spacing:1.7px;margin-bottom:20px}.coverage-card p{color:var(--muted);font-size:15px}.coverage-card .card-detail{font-size:13px;margin-top:auto}.coverage-card>a{font-size:14px;font-weight:650;color:var(--blue)}.coverage-card.unsure{background:var(--pale);border-color:var(--pale)}.coverage-card.unsure .button{color:white;align-self:flex-start;margin-top:auto}.section-note{font-size:12px;color:var(--muted);margin:25px 0 0}.approach{padding:0;background:var(--pale)}.approach-grid{display:grid;grid-template-columns:1fr 1fr;gap:0}.about-block{background:var(--navy);color:white;padding:65px 58px}.about-block p:not(.eyebrow){color:#c6d3e4}.signature{font:italic 31px Georgia,serif;margin:33px 0 10px}.about-block>a{font-size:14px;color:#a8c5ff}.steps{padding:65px 0 55px 65px}.steps ol{list-style:none;padding:0;margin:0}.steps li{display:flex;gap:23px;border-top:1px solid #d1dbe9;padding:23px 0}.steps li>span{font-size:13px;color:var(--blue);padding-top:4px}.steps h3{font-size:19px;margin:0 0 8px}.steps li p{font-size:15px;color:var(--muted);margin:0}.faq-grid{display:grid;grid-template-columns:1fr 1.3fr;gap:70px}.muted{color:var(--muted)}.muted a{font-size:15px}.faqs details{border-bottom:1px solid var(--line)}.faqs details:first-child{border-top:1px solid var(--line)}summary{cursor:pointer;font-weight:600;padding:21px 30px 21px 0;font-size:16px}details p{font-size:15px;color:var(--muted);padding-bottom:8px}.quote-section{background:var(--navy);color:white}.quote-grid{display:grid;grid-template-columns:1fr 1.18fr;gap:85px;align-items:start}.quote-grid>div:first-child{padding-top:22px}.quote-grid>div:first-child>p:not(.eyebrow){color:#c6d3e4;max-width:380px}.direct-contact{border-top:1px solid #415069;padding-top:32px;margin-top:45px;scroll-margin-top:120px}.direct-contact>span{font-size:11px;letter-spacing:1.3px;color:#acbdd4;display:block;margin-bottom:20px}.direct-contact>a{display:block;width:fit-content;text-decoration:none;font-size:23px;overflow-wrap:anywhere}.direct-contact>a+a{font-size:16px;margin-top:8px;color:#a8c5ff}.direct-contact p{font-size:14px;color:#acbdd4;max-width:300px;margin-top:20px}.form-panel{background:white;color:var(--ink);border-radius:7px;padding:33px}.form-panel h3{margin-bottom:8px}.form-intro{font-size:13px;color:var(--muted);margin-bottom:25px}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px 15px}label{font-size:13px;font-weight:600;display:block}.optional{font-weight:400;color:var(--muted)}input:not([type=checkbox]),select,textarea{display:block;width:100%;border:1px solid #bdc9d9;border-radius:4px;padding:11px 10px;font-size:15px;background:white;color:var(--ink);margin-top:6px;min-width:0}input:focus,select:focus,textarea:focus{outline:2px solid var(--blue);outline-offset:1px}textarea{resize:vertical}.full{grid-column:1/-1}.consent{display:flex;align-items:flex-start;gap:10px;font-size:12px;font-weight:400;margin-top:22px;line-height:1.6}.consent input{flex-shrink:0;margin-top:4px;width:17px;height:17px;accent-color:var(--blue)}.privacy-note{font-size:12px;color:var(--muted);margin:15px 0}.submit{width:100%}.request-result{margin-top:25px;border-top:1px solid var(--line);padding-top:22px}.request-result h4{font-size:18px;margin:0 0 10px}.request-result p{font-size:13px;color:var(--muted)}.request-result .button{margin-bottom:18px}.copy-button{margin-top:12px;padding:9px 16px;border:1px solid var(--line);background:var(--pale);border-radius:4px;cursor:pointer}footer{background:#f5f7fb;padding:44px 0 25px}.footer-top{display:flex;justify-content:space-between;align-items:center;gap:20px;margin-bottom:30px}.footer-top>div{display:flex;gap:25px;font-size:13px}.footer-top+p{font-size:12px;color:var(--muted);max-width:1000px}.footer-bottom{display:flex;justify-content:space-between;gap:20px;font-size:12px;color:var(--muted);border-top:1px solid var(--line);padding-top:20px;margin-top:25px}.legal-main{max-width:820px;padding:65px 30px 90px;margin:auto}.legal-main h1{font-size:48px}.legal-main h2{font-size:25px;margin-top:35px}.legal-main p,.legal-main li{color:var(--muted)}.back-link{display:inline-block;margin-bottom:30px;color:var(--blue)}[hidden]{display:none!important}
@media(max-width:1000px){nav{gap:15px}.brand small{font-size:9px;letter-spacing:1px}.hero-grid{gap:35px}.hero{padding:65px 0}.quote-grid{gap:40px}.steps{padding-left:40px}.about-block{padding:55px 35px}.coverage-card{padding:25px}.section-heading{gap:40px}}
@media(max-width:780px){.wrap{padding:0 22px}.header-inner{min-height:80px}.brand{font-size:19px}.brand small{font-size:8px}.monogram{width:35px;height:41px;font-size:28px}.menu-toggle{display:block;background:white;border:1px solid var(--line);border-radius:4px;padding:8px 12px;font-size:14px;color:var(--ink)}nav{display:none;position:absolute;top:100%;left:0;right:0;background:white;border-bottom:1px solid var(--line);padding:22px;flex-direction:column;align-items:stretch;gap:18px}nav.open{display:flex}nav>a{font-size:16px}.hero-grid,.section-heading,.approach-grid,.faq-grid,.quote-grid{grid-template-columns:1fr;gap:32px}.hero{padding:50px 0}.hero h1{font-size:57px}.hero-copy{font-size:17px}.hero-panel{max-width:none;margin-top:5px;padding:28px 25px 0}.hero-panel h2 br{display:none}.hero-panel h2{font-size:30px}.value-strip .wrap{flex-direction:column;gap:6px}.value-strip span{font-size:13px}.section{padding:58px 0}h2{font-size:34px}.coverage-grid{grid-template-columns:1fr 1fr}.approach{padding:0}.approach-grid{padding:0;gap:0}.about-block{padding:48px 24px}.steps{padding:48px 24px 32px}.quote-grid>div:first-child{padding:0}.direct-contact{margin-top:27px}.form-panel{padding:26px}.footer-top{align-items:flex-start;flex-direction:column}.footer-top>div{gap:20px}.footer-bottom{flex-direction:column;gap:5px}.faq-grid{gap:20px}}
@media(max-width:480px){.hero h1{font-size:49px}.hero-panel h2{font-size:28px}.coverage-grid{grid-template-columns:1fr}.form-grid{grid-template-columns:1fr}.form-panel{padding:24px 19px}.coverage-card{padding:26px}.actions .button{padding:13px 18px}.brand small{letter-spacing:.6px;font-size:7.5px}.hero-panel small{font-size:12px}.footer-top>div{flex-wrap:wrap}.direct-contact>a{font-size:22px}.legal-main h1{font-size:38px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.button{transition:none}}

/* Professional portrait hero */
.hero-grid{grid-template-columns:1.12fr 1fr;gap:70px}.hero{padding:55px 0}.hero-portrait{position:relative;margin:0;border-radius:8px;overflow:hidden;box-shadow:0 22px 65px #0003;background:#34445b}.hero-portrait img{display:block;width:100%;height:auto;aspect-ratio:4/5;object-fit:cover;object-position:center top}.hero-portrait figcaption{position:absolute;bottom:0;left:0;right:0;padding:42px 28px 24px;background:linear-gradient(transparent,#0b182eea);color:white}.hero-portrait strong{display:block;font:25px Georgia,serif}.hero-portrait figcaption span{display:block;font-size:13px;color:#d5e2f4;margin-top:3px}.goal-shortcuts{background:#172942;color:white;border-top:1px solid #3b4b64}.goal-shortcuts .wrap{display:flex;align-items:center;justify-content:space-between;gap:22px;padding-top:21px;padding-bottom:21px}.goal-shortcuts span{font-size:10px;letter-spacing:1.2px;color:#b4c6de}.goal-shortcuts a{font-size:14px;font-weight:600;text-decoration:none}.goal-shortcuts a:hover{text-decoration:underline}
@media(max-width:1000px){.hero-grid{gap:35px}.goal-shortcuts .wrap{gap:14px}}
@media(max-width:780px){.hero-grid{grid-template-columns:1fr;gap:34px}.hero-portrait{width:100%;max-width:420px;justify-self:center}.hero{padding:45px 0}.hero-portrait img{max-height:525px}.goal-shortcuts .wrap{flex-wrap:wrap;justify-content:flex-start;gap:12px 25px}.goal-shortcuts span{width:100%}.hero-portrait figcaption{padding:40px 24px 23px}}
@media(max-width:480px){.hero-portrait{max-width:350px}.hero-portrait img{max-height:438px}.goal-shortcuts a{font-size:13px}}