:root {
  --navy-950:#021127; --navy-900:#041c3c; --navy-800:#082c5c; --blue-700:#075eb5; --blue-500:#1387e8;
  --gold-700:#b98212; --gold-600:#d7a52a; --gold-400:#f0c75e; --gold-300:#f6d477;
  --ice:#f4f8fc; --ice-2:#edf4fa; --border:#dde7f1; --heading:#10243e; --body:#526273; --white:#fff;
  --serif:"Cormorant Garamond",Georgia,serif; --sans:"Montserrat",Arial,sans-serif; --body-font:"Inter",Arial,sans-serif;
  --shadow-sm:0 10px 30px rgba(4,28,60,.08); --shadow-lg:0 26px 70px rgba(4,28,60,.17);
  --radius:22px; --shell:min(1200px,calc(100% - 48px));
}
*{box-sizing:border-box}html{scroll-behavior:smooth;overflow-x:clip}body{margin:0;overflow-x:clip;color:var(--body);background:#fff;font-family:var(--body-font);font-size:16px;line-height:1.72;-webkit-font-smoothing:antialiased}body.menu-open{overflow:hidden}img{display:block;max-width:100%}a{color:inherit}button,input,select,textarea{font:inherit}h1,h2,h3,p{margin-top:0}h1,h2,h3{color:var(--heading);font-family:var(--sans);line-height:1.1}h1{font-size:clamp(2.75rem,5.5vw,5.4rem);letter-spacing:-.055em}h2{font-size:clamp(2.1rem,4vw,3.7rem);letter-spacing:-.045em}h3{font-size:1.18rem;letter-spacing:-.025em}p{margin-bottom:1.1rem}address{font-style:normal}.shell{width:var(--shell);margin-inline:auto}.narrow{max-width:850px}.section{padding:112px 0}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.skip-link{position:fixed;z-index:9999;left:16px;top:12px;transform:translateY(-150%);background:var(--gold-300);color:var(--navy-900);padding:10px 16px;border-radius:8px;font-weight:800}.skip-link:focus{transform:none}.eyebrow{display:inline-flex;align-items:center;gap:14px;color:var(--gold-700);font:700 .75rem/1 var(--sans);letter-spacing:.17em;text-transform:uppercase;margin-bottom:22px}.eyebrow i,.hero-trust i{display:inline-block;width:4px;height:4px;border-radius:50%;background:var(--gold-600)}.section-heading{max-width:780px;margin-bottom:58px}.section-heading.centered{text-align:center;margin-inline:auto}.section-heading h2{margin-bottom:20px}.section-heading p{max-width:680px;font-size:1.06rem}.section-heading.centered p{margin-inline:auto}.section-heading.light h2,.section-heading.light p{color:#fff}.lead{font-size:1.12rem;color:#40566c}.centered{text-align:center}.fine-print{font-size:.77rem;color:#718194}.navy-section{position:relative;overflow:hidden;background:var(--navy-900);color:#dce9f5}.navy-section h2,.navy-section h3{color:#fff}
.button{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:52px;padding:14px 22px;border:1px solid transparent;border-radius:10px;text-decoration:none;text-transform:uppercase;font:800 .75rem/1.2 var(--sans);letter-spacing:.055em;transition:transform .25s ease,box-shadow .25s ease,background .25s ease,border-color .25s ease;cursor:pointer}.button:hover{transform:translateY(-2px)}.button span{font-size:1.15em;transition:transform .25s}.button:hover span{transform:translateX(3px)}.button-gold{color:var(--navy-900);background:linear-gradient(105deg,var(--gold-400),var(--gold-600) 50%,var(--gold-300));box-shadow:0 12px 28px rgba(215,165,42,.28),inset 0 1px rgba(255,255,255,.6)}.button-gold:hover{background:linear-gradient(105deg,var(--gold-300),var(--gold-400),#ffe39b);box-shadow:0 16px 36px rgba(215,165,42,.36)}.button-outline{border-color:#b7c7d8;color:var(--heading);background:rgba(255,255,255,.75)}.button-outline:hover{border-color:var(--blue-700);background:#fff}.button-xl{min-height:64px;padding:18px 34px;font-size:.84rem;border-radius:14px}.text-link{display:inline-flex;gap:8px;align-items:center;color:var(--blue-700);font:800 .76rem/1.4 var(--sans);letter-spacing:.025em;text-decoration:none;text-transform:uppercase}.text-link span{transition:transform .25s}.text-link:hover span{transform:translateX(4px)}.text-link.light{color:#fff}.icon,.mini-icon,.button-icon{display:inline-flex;align-items:center;justify-content:center;color:var(--gold-600);flex:none}.icon{width:46px;height:46px}.icon svg,.mini-icon svg,.button-icon svg,.large-line-icon svg,.thank-icon svg,.tag-shield svg{width:100%;height:100%;fill:none;stroke:currentColor;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}.mini-icon{width:20px;height:20px}.button-icon{width:18px;height:18px}.large-line-icon{display:block;width:72px;height:72px;color:var(--gold-600);margin-bottom:20px}
.site-header{position:sticky;z-index:1000;top:0;background:rgba(255,255,255,.94);border-bottom:1px solid rgba(221,231,241,.85);backdrop-filter:blur(18px);transition:box-shadow .25s}.site-header.scrolled{box-shadow:0 10px 35px rgba(4,28,60,.10)}.header-inner{height:96px;display:flex;align-items:center;gap:26px;transition:height .25s}.scrolled .header-inner{height:84px}.brand{display:flex;align-items:center;text-decoration:none;min-width:220px}.brand img{width:220px;height:auto}.desktop-nav{display:flex;align-items:center;gap:20px;margin-left:auto}.desktop-nav a{position:relative;color:#2d4359;text-decoration:none;white-space:nowrap;font:700 .66rem/1 var(--sans);letter-spacing:.015em}.desktop-nav a:after{content:"";position:absolute;left:0;right:100%;bottom:-12px;height:2px;background:var(--gold-600);transition:right .25s}.desktop-nav a:hover:after,.desktop-nav a[aria-current=page]:after{right:0}.header-cta{min-height:44px;padding:12px 16px;font-size:.67rem}.menu-toggle{display:none;width:48px;height:48px;border:0;border-radius:9px;background:var(--navy-900);padding:12px;cursor:pointer}.menu-toggle span:not(.sr-only){display:block;height:2px;margin:5px 0;background:#fff;transition:.25s}.mobile-menu{position:absolute;top:100%;left:0;right:0;max-height:calc(100vh - 80px);overflow-y:auto;background:#fff;border-top:1px solid var(--border);box-shadow:var(--shadow-lg)}.mobile-menu nav{display:grid;gap:5px;width:var(--shell);margin:auto;padding:20px 0 28px}.mobile-menu a{padding:13px 14px;text-align:center;text-decoration:none;font:700 .82rem var(--sans);color:var(--heading)}.mobile-menu a:not(.button){border:1px solid transparent;border-radius:9px;transition:color .2s ease,background-color .2s ease,border-color .2s ease,box-shadow .2s ease}.mobile-menu a:not(.button):hover,.mobile-menu a:not(.button):focus-visible{color:#7c5811;background:linear-gradient(100deg,rgba(246,212,119,.16),rgba(238,190,72,.34),rgba(246,212,119,.16));border-color:rgba(215,165,42,.62);box-shadow:inset 0 0 0 1px rgba(255,255,255,.48),0 6px 18px rgba(215,165,42,.16);outline:none}
.home-hero{position:relative;overflow:hidden;min-height:765px;background:linear-gradient(105deg,#fff 0%,#fff 46%,#eef6fc 100%)}.hero-glow{position:absolute;width:760px;height:760px;border-radius:50%;right:-240px;top:-220px;background:radial-gradient(circle,rgba(19,135,232,.20),transparent 68%);filter:blur(3px)}.hero-grid{min-height:765px;display:grid;grid-template-columns:minmax(0, .92fr) minmax(0,1.08fr);gap:54px;align-items:center;padding-top:42px;padding-bottom:58px}.hero-copy{position:relative;z-index:2;max-width:610px}.hero-copy h1{max-width:680px;margin-bottom:28px}.hero-copy h1 em{display:block;color:var(--gold-700);font-style:normal}.hero-copy p:not(.lead){font-size:.95rem}.hero-actions{display:flex;align-items:center;gap:14px;flex-wrap:wrap;margin:34px 0 26px}.hero-trust{display:flex;align-items:center;flex-wrap:wrap;gap:10px;color:#617487;font:700 .67rem var(--sans);text-transform:uppercase;letter-spacing:.035em}.hero-visual{position:relative;align-self:stretch;display:flex;align-items:center;margin-right:calc((100vw - min(1200px, calc(100vw - 48px)))/-2)}.hero-image-frame{position:relative;width:100%;height:635px;overflow:hidden;border-radius:300px 0 0 300px;box-shadow:-25px 34px 70px rgba(4,28,60,.18)}.hero-image-frame:before{content:"";position:absolute;z-index:1;inset:0;background:linear-gradient(90deg,rgba(255,255,255,.9) 0%,transparent 18%,transparent 80%,rgba(4,28,60,.12));pointer-events:none}.hero-image-frame:after{content:"";position:absolute;z-index:2;inset:12px 0 12px 12px;border:1px solid rgba(246,212,119,.78);border-right:0;border-radius:290px 0 0 290px;pointer-events:none}.hero-image-frame>img{width:100%;height:100%;object-fit:cover;object-position:55% center}.hero-badge{position:absolute;z-index:3;left:9%;bottom:34px;display:flex;align-items:center;gap:12px;padding:14px 18px;border:1px solid rgba(255,255,255,.6);border-radius:14px;color:#fff;background:rgba(4,28,60,.82);backdrop-filter:blur(12px);box-shadow:0 15px 35px rgba(4,28,60,.22)}.hero-badge .icon{width:34px;height:34px}.hero-badge span{display:grid}.hero-badge b{font:700 .78rem var(--sans)}.hero-badge small{font-size:.69rem;color:#c9d8e7}
.trust-strip{position:relative;z-index:2;background:#fff;border-bottom:1px solid var(--border);box-shadow:0 12px 32px rgba(4,28,60,.055)}.trust-strip>.shell{display:grid;grid-template-columns:1.3fr 3.7fr;align-items:center}.trust-heading{margin:0;padding-right:44px;border-right:1px solid var(--border);font-size:1.05rem;line-height:1.45}.trust-grid{display:grid;grid-template-columns:repeat(4,1fr)}.trust-item{min-height:148px;padding:30px 18px;display:flex;gap:13px;align-items:flex-start}.trust-item h3{margin:2px 0 7px;font-size:.78rem}.trust-item p{margin:0;font-size:.72rem;line-height:1.55}.trust-item .icon{width:32px;height:32px}
.services-section{background:linear-gradient(180deg,#fff,var(--ice))}.service-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}.service-card{position:relative;overflow:hidden;border:1px solid var(--border);border-radius:var(--radius);background:#fff;box-shadow:var(--shadow-sm);transition:transform .35s,box-shadow .35s,border-color .35s}.service-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg);border-color:rgba(215,165,42,.65)}.service-image{display:block;height:245px;overflow:hidden}.service-image img{width:100%;height:100%;object-fit:cover;transition:transform .55s}.service-card:hover img{transform:scale(1.035)}.service-card-body{padding:28px 30px 30px}.card-label{color:var(--gold-700);font:800 .65rem var(--sans);letter-spacing:.14em}.service-card h3{margin:10px 0 13px;font-size:1.25rem}.service-card h3 a{text-decoration:none}.service-card p{min-height:84px;font-size:.86rem;line-height:1.65}
.why-section{background:#fff}.split-layout{display:grid;grid-template-columns:1.08fr .92fr;gap:84px;align-items:center}.photo-panel{position:relative}.photo-panel img{position:relative;z-index:2;width:100%;min-height:660px;object-fit:cover;object-position:center;border-radius:28px;box-shadow:var(--shadow-lg)}.gold-frame{position:absolute;z-index:1;inset:30px -22px -26px 30px;border:1px solid var(--gold-600);border-radius:28px}.why-copy .section-heading{margin-bottom:25px}.number-benefit{display:grid;grid-template-columns:65px 1fr;gap:20px;padding:21px 0;border-bottom:1px solid var(--border)}.number-benefit>span{color:rgba(215,165,42,.48);font:700 2rem var(--serif)}.number-benefit h3{margin-bottom:8px}.number-benefit p{margin:0;font-size:.87rem}
.savings-section{padding:120px 0;background:radial-gradient(circle at 75% 45%,rgba(19,135,232,.28),transparent 34%),linear-gradient(130deg,#021127,#041c3c 55%,#063874)}.savings-section:before,.savings-section:after{content:"";position:absolute;border:1px solid rgba(246,212,119,.35);border-radius:50%;pointer-events:none}.savings-section:before{width:940px;height:420px;right:-260px;bottom:-340px;transform:rotate(-10deg)}.savings-section:after{width:760px;height:760px;right:-220px;top:-470px}.savings-geometry{position:absolute;right:7%;top:50%;width:330px;height:390px;transform:translateY(-50%);opacity:.14;border:2px solid var(--blue-500);clip-path:polygon(50% 0,100% 16%,96% 64%,78% 88%,50% 100%,22% 88%,4% 64%,0 16%)}.savings-geometry span{position:absolute;inset:28px;border:1px solid var(--gold-300);clip-path:inherit}.savings-inner{position:relative;display:grid;grid-template-columns:.88fr 1.12fr;gap:95px;align-items:center}.savings-main h2{font-family:var(--serif);font-size:clamp(3rem,5vw,5.2rem);font-weight:600;letter-spacing:-.035em}.savings-main h2 strong{color:var(--gold-400);font-weight:600}.savings-main p{max-width:570px}.better-question{padding:48px;border-left:1px solid rgba(246,212,119,.4);background:linear-gradient(110deg,rgba(255,255,255,.04),transparent);border-radius:0 22px 22px 0}.better-question>span{color:var(--gold-400);font:800 .7rem var(--sans);letter-spacing:.16em}.better-question blockquote{margin:18px 0 28px;color:#fff;font:600 clamp(2.4rem,4vw,4.2rem)/1.04 var(--serif)}.better-question blockquote em{color:var(--gold-400);font-style:normal}.better-question p{font-size:.93rem;margin-bottom:28px}
.life-stage{background:#fff}.timeline{position:relative;display:grid;grid-template-columns:repeat(4,1fr);column-gap:30px;row-gap:54px}.timeline:before{content:"";position:absolute;left:4%;right:4%;top:26px;height:1px;background:linear-gradient(90deg,transparent,var(--gold-600),var(--gold-600),transparent)}.timeline-item{position:relative;padding-top:68px}.timeline-item:nth-child(even){transform:translateY(28px)}.timeline-item .icon{position:absolute;top:0;width:52px;height:52px;border:1px solid var(--gold-600);border-radius:50%;padding:12px;background:#fff}.timeline-item h3{font-size:.98rem;margin-bottom:9px}.timeline-item p{font-size:.77rem;line-height:1.55}
.local-section{background:var(--ice)}.local-grid{display:grid;grid-template-columns:1.15fr .85fr;align-items:center}.local-image{height:620px;overflow:hidden;border-radius:28px 0 0 28px}.local-image img{width:100%;height:100%;object-fit:cover}.local-card{position:relative;margin-left:-60px;padding:62px;background:#fff;border:1px solid var(--border);border-radius:24px;box-shadow:var(--shadow-lg)}.local-card h2{font-size:clamp(2.2rem,3.5vw,3.5rem)}.local-card address{display:flex;gap:12px;margin:28px 0 8px;color:var(--heading);font-weight:600}.local-card address .icon{width:28px;height:28px}.local-phone{display:block;margin-bottom:28px;color:var(--blue-700);font:800 1.2rem var(--sans);text-decoration:none}
.carriers-section{background:#fff}.carrier-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}.carrier-logo{min-height:150px;display:flex;align-items:center;justify-content:center;padding:24px 28px;border:1px solid var(--border);border-radius:14px;background:#fff;box-shadow:0 8px 24px rgba(4,28,60,.055);transition:transform .25s ease,border-color .25s ease,box-shadow .25s ease}.carrier-logo:hover{transform:translateY(-3px);border-color:rgba(215,165,42,.7);box-shadow:0 14px 30px rgba(4,28,60,.10)}.carrier-logo img{display:block;width:100%;height:86px;object-fit:contain}
.testimonial-section{padding:105px 0;background:var(--ice)}.testimonial-shell{position:relative;max-width:980px}.giant-quote{position:absolute;left:-30px;top:-80px;color:rgba(215,165,42,.27);font:700 13rem/1 var(--serif)}.testimonial-stage{position:relative;min-height:260px}.testimonial-slide{margin:0;text-align:center}.testimonial-slide[hidden]{display:none}.testimonial-slide blockquote{position:relative;margin:0 auto 30px;color:var(--heading);font:600 clamp(2.1rem,4vw,3.45rem)/1.18 var(--serif)}.testimonial-slide figcaption{display:grid;gap:4px;color:var(--blue-700);font:800 .72rem var(--sans);letter-spacing:.08em;text-transform:uppercase}.testimonial-slide figcaption span{color:#748496;font-size:.65rem}.testimonial-controls{display:flex;justify-content:space-between;align-items:center;margin-top:30px}.testimonial-controls>div{display:flex;gap:9px}.testimonial-controls button{width:43px;height:43px;border:1px solid #b9c9d9;border-radius:50%;color:var(--navy-900);background:#fff;cursor:pointer;transition:.2s}.testimonial-controls button:hover{border-color:var(--gold-600);transform:translateY(-2px)}.testimonial-controls button:focus-visible{outline:3px solid rgba(19,135,232,.35);outline-offset:3px}.testimonial-dots button{width:9px;height:9px;padding:0;border:0;background:#bbc9d7}.testimonial-dots button[aria-pressed=true]{width:31px;border-radius:8px;background:var(--gold-600)}
.final-cta{padding:110px 0 75px;background:radial-gradient(circle at 72% 24%,rgba(19,135,232,.34),transparent 28%),linear-gradient(145deg,#010b1d,#041c3c 50%,#052d65)}.final-cta:before{content:"";position:absolute;inset:0;background:linear-gradient(105deg,transparent 30%,rgba(255,255,255,.025) 50%,transparent 70%)}.stars{position:absolute;inset:0;background-image:radial-gradient(circle,rgba(246,212,119,.75) 0 1px,transparent 1.5px);background-size:41px 37px;mask-image:linear-gradient(120deg,transparent 45%,#000 100%);opacity:.32}.wave{position:absolute;width:130%;height:300px;left:-12%;bottom:-170px;border:2px solid rgba(246,212,119,.7);border-radius:50%;transform:rotate(-5deg);box-shadow:0 -3px 16px rgba(240,199,94,.28)}.wave-b{bottom:-205px;transform:rotate(7deg);border-color:rgba(19,135,232,.75)}.final-cta-inner{position:relative;display:grid;grid-template-columns:1fr .8fr;align-items:center}.final-cta-copy h2{margin-bottom:20px;font-family:var(--serif);font-size:clamp(4rem,7vw,7.1rem);font-weight:600;letter-spacing:-.03em}.final-cta-copy h2 span,.final-cta-copy h2 strong{display:block}.final-cta-copy h2 strong{color:var(--gold-400)}.final-cta-copy>p{font-size:1.18rem}.gold-rule:after{content:"";width:110px;height:1px;background:linear-gradient(90deg,var(--gold-400),transparent)}.shield-scene{height:500px}.shield-scene svg{width:100%;height:100%;filter:drop-shadow(0 0 24px rgba(19,135,232,.34))}.shield-outer,.shield-inner,.house,.family-lines{fill:rgba(4,28,60,.22);stroke:url(#sg);stroke-width:2}.shield-inner{stroke-width:1;opacity:.65}.house,.family-lines{fill:none;stroke:#1387e8;opacity:.4}.shield-scene circle:not(.spark){fill:#052657;stroke:#1387e8;opacity:.45}.spark{fill:#fff;filter:drop-shadow(0 0 12px #1387e8)}.cta-values{grid-column:1/-1;display:grid;grid-template-columns:repeat(4,1fr);margin-top:20px;border-top:1px solid rgba(246,212,119,.25);border-bottom:1px solid rgba(246,212,119,.25)}.cta-value{display:flex;gap:16px;padding:28px 24px;border-right:1px solid rgba(246,212,119,.24)}.cta-value:last-child{border:0}.cta-value .icon{width:42px;height:42px}.cta-value h3{font-family:var(--serif);font-size:1.34rem;margin-bottom:6px}.cta-value p{font-size:.75rem;line-height:1.55;margin:0}.cta-action{grid-column:1/-1;text-align:center;padding-top:42px}.cta-action p{margin:12px 0 0;font-size:.82rem}.cta-tagline{grid-column:1/-1;display:flex;align-items:center;justify-content:center;gap:16px;margin-top:36px;color:#fff;font:700 .68rem var(--sans);letter-spacing:.14em}.cta-tagline i{width:1px;height:17px;background:var(--gold-600)}.tag-shield{width:30px;height:30px;color:var(--gold-400)}
.site-footer{padding:72px 0 110px;background:#010c20;color:#aebfd0}.footer-grid{display:grid;grid-template-columns:1.6fr .7fr .7fr 1fr;gap:55px;padding-bottom:55px}.footer-grid h2{color:var(--gold-400);font-size:.73rem;letter-spacing:.12em;text-transform:uppercase}.footer-grid>div:not(.footer-brand){display:flex;flex-direction:column;gap:9px}.footer-grid a{font-size:.78rem;text-decoration:none}.footer-grid a:hover{color:#fff}.footer-grid address,.footer-grid span{font-size:.78rem}.footer-brand .brand{max-width:235px;padding:8px 12px;background:#fff;border-radius:10px;opacity:.96}.footer-brand p{max-width:360px;margin-top:24px;font-size:.84rem}.footer-tagline{display:flex;gap:9px;align-items:center;color:#fff!important;font:700 .63rem var(--sans)!important;letter-spacing:.09em}.footer-tagline i{width:1px;height:12px;background:var(--gold-600)}.footer-bottom{display:flex;justify-content:space-between;gap:20px;padding-top:24px;border-top:1px solid rgba(240,199,94,.22);font-size:.66rem}.mobile-actions{display:none}
/* interior pages */
.interior-hero{position:relative;min-height:690px;display:flex;align-items:center;overflow:hidden;background:var(--navy-900)}.interior-hero-bg{position:absolute;top:0;right:0;bottom:0;width:52%;display:grid;place-items:center;background:#071a31}.interior-hero-bg img{display:block;width:100%;height:100%;object-fit:contain}.interior-overlay{position:absolute;inset:0;background:linear-gradient(90deg,var(--navy-900) 0%,rgba(4,28,60,.42) 9%,transparent 27%);pointer-events:none}.interior-hero-content{position:relative;z-index:2;padding-block:70px;color:#dce9f5}.interior-hero-content>*{max-width:44%}.interior-hero-content h1{max-width:44%;color:#fff;font-size:clamp(3rem,4.35vw,4.9rem);line-height:.98;letter-spacing:-.045em;text-wrap:balance}.interior-hero-content p{max-width:42%;font-size:1.07rem}.breadcrumbs{display:flex;align-items:center;gap:10px;margin-bottom:32px;color:#758ba0;font:700 .67rem var(--sans);text-transform:uppercase;letter-spacing:.07em}.interior-hero .breadcrumbs{color:#c1d0df}.breadcrumbs a{text-decoration:none}.coverage-intro{padding-bottom:70px}.coverage-list{padding:0 0 100px}.coverage-list-inner{display:grid;grid-template-columns:1fr 1fr;border-top:1px solid var(--border)}.coverage-item{position:relative;display:grid;grid-template-columns:54px 46px 1fr;gap:20px;padding:42px 36px;border-bottom:1px solid var(--border)}.coverage-item:nth-child(odd){border-right:1px solid var(--border)}.coverage-number{color:rgba(215,165,42,.45);font:700 1.6rem var(--serif)}.coverage-item .icon{width:38px;height:38px}.coverage-item h2{font-size:1.15rem;margin:0 0 9px}.coverage-item p{margin:0;font-size:.84rem}.coverage-note{padding:0 0 105px}.coverage-note-card{display:flex;gap:24px;padding:30px 34px;background:var(--ice);border:1px solid var(--border);border-left:3px solid var(--gold-600);border-radius:14px}.coverage-note-card span{color:var(--gold-700);font:800 .68rem var(--sans);letter-spacing:.12em}.coverage-note-card p{margin:7px 0 0;font-size:.8rem}.related-section{background:var(--ice)}.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.related-link{position:relative;display:grid;min-height:170px;padding:26px;border:1px solid var(--border);border-radius:16px;background:#fff;text-decoration:none;box-shadow:var(--shadow-sm);transition:.25s}.related-link:hover{transform:translateY(-4px);border-color:var(--gold-600)}.related-link span{color:var(--gold-700);font:800 .62rem var(--sans);letter-spacing:.1em}.related-link strong{align-self:end;color:var(--heading);font:700 1rem var(--sans)}.related-link b{position:absolute;right:22px;bottom:20px;color:var(--blue-700)}.quote-band{padding:80px 0;background:radial-gradient(circle at 85%,rgba(19,135,232,.25),transparent 30%),var(--navy-900)}.quote-band-inner{display:flex;align-items:center;justify-content:space-between;gap:45px}.quote-band h2{margin-bottom:12px;font-size:clamp(2.2rem,4vw,3.7rem)}.quote-band p{max-width:680px;margin:0}.quote-band-actions{display:grid;justify-items:center;gap:16px;flex:none}.gold-orbit{position:absolute;width:460px;height:460px;right:-190px;top:-190px;border:1px solid rgba(246,212,119,.28);border-radius:50%}
.about-hero{position:relative;overflow:hidden;padding:88px 0 104px;background:radial-gradient(circle at 12% 15%,rgba(19,135,232,.20),transparent 28%),var(--navy-900)}.about-hero:after{content:"";position:absolute;right:-160px;bottom:-270px;width:520px;height:520px;border:1px solid rgba(246,212,119,.25);border-radius:50%;box-shadow:0 0 0 38px rgba(246,212,119,.035),0 0 0 76px rgba(246,212,119,.025)}.about-hero .split-layout{position:relative;z-index:1;grid-template-columns:minmax(360px,.72fr) minmax(0,1.28fr);gap:54px;align-items:center}.about-copy{position:relative;padding:48px 44px 46px;border:1px solid rgba(246,212,119,.32);border-left:4px solid var(--gold-500);border-radius:20px;color:#dce9f5;background:linear-gradient(145deg,rgba(255,255,255,.075),rgba(255,255,255,.025));box-shadow:0 28px 70px rgba(0,0,0,.24);backdrop-filter:blur(8px)}.about-copy:before{content:"01";position:absolute;right:30px;top:24px;color:rgba(246,212,119,.15);font:700 4.5rem/1 var(--serif)}.about-copy .breadcrumbs{position:relative;margin-bottom:46px;color:#b9cadb}.about-copy .eyebrow{color:var(--gold-400)}.about-copy h1{max-width:620px;margin:18px 0 25px;color:#fff;font-size:clamp(3rem,4.25vw,4.8rem);line-height:.98;letter-spacing:-.045em;text-wrap:balance}.about-copy .lead{margin-bottom:30px;color:#d3e0ec;font-size:1rem;line-height:1.75}.about-image{position:relative;padding:12px;border:1px solid rgba(246,212,119,.48);border-radius:24px;background:rgba(255,255,255,.055);box-shadow:0 34px 80px rgba(0,0,0,.34)}.about-image:before{content:"REAL CONVERSATIONS • CLEAR GUIDANCE";position:absolute;z-index:3;right:28px;bottom:27px;padding:10px 14px;border-radius:7px;color:var(--navy-900);background:linear-gradient(105deg,var(--gold-400),var(--gold-600));font:800 .59rem/1 var(--sans);letter-spacing:.1em}.about-image:after{content:"";position:absolute;z-index:-1;inset:32px -18px -18px 32px;border:1px solid rgba(246,212,119,.38);border-radius:24px}.about-image img{display:block;position:relative;z-index:1;width:100%;height:auto;min-height:0;object-fit:contain;border-radius:15px}.about-pillar-grid{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid var(--border)}.about-pillar{padding:38px 38px 20px;border-right:1px solid var(--border)}.about-pillar:last-child{border:0}.about-pillar>span{color:rgba(215,165,42,.5);font:700 2.5rem var(--serif)}.about-pillar h2{font-size:1.4rem;margin-top:18px}.about-pillar p{font-size:.88rem}.local-about{background:var(--ice)}.local-about-grid{display:grid;grid-template-columns:1fr .75fr;gap:90px;align-items:center}.office-card{display:flex;flex-direction:column;gap:12px;padding:42px;border:1px solid var(--border);border-radius:20px;background:#fff;box-shadow:var(--shadow-sm)}.office-card a{color:var(--blue-700);font-weight:700;text-decoration:none}
/* forms */
.form-hero{padding:82px 0 110px;background:radial-gradient(circle at 15% 20%,rgba(19,135,232,.17),transparent 30%),linear-gradient(135deg,#fff 0%,var(--ice) 55%,#e8f2fa)}.form-hero-grid,.contact-grid{display:grid;grid-template-columns:.78fr 1.22fr;gap:80px;align-items:start}.form-intro{position:sticky;top:120px;padding-top:40px}.form-intro h1{font-size:clamp(3.1rem,4.7vw,4.6rem);line-height:.96}.check-list{display:grid;gap:14px;padding:0;margin:36px 0;list-style:none;color:var(--heading);font-weight:600}.check-list li{display:flex;gap:10px;align-items:center}.check-list .icon{width:25px;height:25px}.form-help{padding:22px 0;border-top:1px solid var(--border)}.form-help span{display:block;font:700 .7rem var(--sans);text-transform:uppercase}.form-help a{color:var(--blue-700);font:800 1.3rem var(--sans);text-decoration:none}.form-card{padding:45px;border:1px solid rgba(221,231,241,.95);border-radius:24px;background:#fff;box-shadow:var(--shadow-lg)}.form-card-head span{color:var(--gold-700);font:800 .65rem var(--sans);letter-spacing:.13em}.form-card-head h2{font-size:2rem;margin:10px 0}.form-card-head p{font-size:.86rem}.lead-form{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:30px}.field{display:grid;gap:7px}.field.full,.consent.full,.form-submit-row.full{grid-column:1/-1}.field label{color:var(--heading);font:700 .71rem var(--sans)}.field input,.field select,.field textarea{width:100%;min-height:54px;padding:13px 15px;border:1px solid #cbd8e5;border-radius:10px;color:var(--heading);background:#fbfdff;outline:none;transition:.2s}.field textarea{resize:vertical}.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--blue-500);box-shadow:0 0 0 4px rgba(19,135,232,.12);background:#fff}.consent{display:flex;gap:11px;align-items:flex-start;margin:5px 0;color:#647588;font-size:.75rem;line-height:1.55}.consent input{margin-top:5px;accent-color:var(--blue-700)}.form-status{min-height:22px;margin:10px 0 0;font-size:.76rem}.form-status.error{color:#a30016}.form-disclaimer{margin:24px 0 0;padding-top:20px;border-top:1px solid var(--border);font-size:.68rem;line-height:1.55}.honeypot{position:absolute;left:-9999px}.contact-hero{padding:80px 0 10px;background:var(--ice)}.contact-hero h1{color:var(--heading);font-family:var(--sans);font-size:clamp(3.2rem,5vw,5rem);letter-spacing:-.05em}.contact-section{background:var(--ice)}.contact-details{padding:30px 0}.contact-details>h2{font-size:clamp(2.7rem,4.7vw,4.5rem);margin-bottom:45px}.contact-method{display:flex;gap:18px;padding:23px 0;border-top:1px solid var(--border)}.contact-method .icon{width:38px;height:38px}.contact-method div{display:grid}.contact-method span{color:var(--gold-700);font:800 .62rem var(--sans);letter-spacing:.12em}.contact-method a,.contact-method address{color:var(--heading);font-weight:700;text-decoration:none}.fax{font-size:.8rem}
/* legal */
.legal-hero{padding:100px 0 65px;background:var(--navy-900);color:#fff}.legal-hero h1{color:#fff}.legal-content .legal-intro{font-size:1.2rem;color:var(--heading)}.legal-content section{padding:24px 0;border-bottom:1px solid var(--border)}.legal-content h2{font-size:1.25rem}.legal-content p{font-size:.91rem}.legal-content a{color:var(--blue-700)}
/* standalone */
.thank-you-page{min-height:100vh;min-height:100dvh;margin:0;display:grid;place-items:center;padding:30px;background:radial-gradient(circle at 50% 0,rgba(19,135,232,.32),transparent 37%),linear-gradient(145deg,#010b1d,#041c3c)}.thank-you-page main{width:100%}.thank-you-card{max-width:680px;margin:auto;padding:60px 42px;text-align:center;border:1px solid rgba(246,212,119,.33);border-radius:24px;color:#dce9f5;background:rgba(255,255,255,.045);box-shadow:0 30px 80px rgba(0,0,0,.3)}.thank-you-card h1{max-width:none;color:#fff;font-family:var(--serif);font-size:4rem}.thank-icon{display:inline-flex;width:70px;height:70px;margin-bottom:25px;padding:14px;border:1px solid var(--gold-400);border-radius:50%;color:var(--gold-400)}.thank-you-card .text-link{display:flex;justify-content:center;margin-top:24px}.error-code{display:block;color:var(--gold-400);font:700 5rem/1 var(--serif);margin-bottom:20px}
.reveal{opacity:1;transform:none}.js .reveal{opacity:0;transform:translateY(26px);transition:opacity .6s ease,transform .6s ease}.js .reveal.visible{opacity:1;transform:none}
@media (max-width:1180px){.desktop-nav{gap:11px}.desktop-nav a{font-size:.59rem}.header-cta{display:none}.trust-strip>.shell{grid-template-columns:1fr}.trust-heading{padding:24px 0 0;border:0;text-align:center}.hero-grid{grid-template-columns:.9fr 1.1fr}.service-card-body{padding:25px}.split-layout{gap:55px}.footer-grid{grid-template-columns:1.3fr .7fr .7fr 1fr;gap:30px}}
@media (max-width:1024px){:root{--shell:min(100% - 36px,900px)}.section{padding:90px 0}.desktop-nav{display:none}.menu-toggle{display:block;margin-left:auto}.header-cta{display:inline-flex;justify-content:space-between;width:230px;padding-inline:24px}.home-hero,.hero-grid{min-height:auto}.hero-grid{grid-template-columns:1fr;padding-top:70px}.hero-copy{max-width:760px}.hero-visual{margin:0 -18px -58px}.hero-image-frame{height:550px;border-radius:240px 240px 0 0}.hero-image-frame:after{inset:12px;border-radius:230px 230px 0 0}.trust-grid{grid-template-columns:repeat(2,1fr)}.service-grid{grid-template-columns:repeat(2,1fr)}.split-layout{grid-template-columns:1fr}.photo-panel{max-width:800px}.photo-panel img{min-height:520px}.savings-inner{grid-template-columns:1fr;gap:50px}.better-question{border-left:0;border-top:1px solid rgba(246,212,119,.4);border-radius:0}.timeline{grid-template-columns:repeat(2,1fr)}.timeline:before{display:none}.timeline-item:nth-child(even){transform:none}.local-grid{grid-template-columns:1fr}.local-image{border-radius:24px;height:520px}.local-card{margin:-70px 35px 0}.carrier-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.carrier-logo:last-child{grid-column:1/-1}.carrier-logo:last-child img{max-width:360px}.final-cta-inner{grid-template-columns:1fr}.shield-scene{position:absolute;right:-80px;top:0;width:48%;opacity:.45}.final-cta-copy{position:relative;z-index:2}.cta-values{grid-template-columns:repeat(2,1fr)}.cta-value:nth-child(2){border-right:0}.cta-value:nth-child(-n+2){border-bottom:1px solid rgba(246,212,119,.24)}.footer-grid{grid-template-columns:1.2fr 1fr 1fr}.footer-brand{grid-column:1/-1}.interior-hero{min-height:620px}.coverage-list-inner{grid-template-columns:1fr}.coverage-item:nth-child(odd){border-right:0}.form-hero-grid,.contact-grid{grid-template-columns:1fr}.form-intro{position:static;max-width:760px}.about-image img{min-height:500px}.about-pillar-grid{grid-template-columns:1fr}.about-pillar{border-right:0;border-bottom:1px solid var(--border)}.local-about-grid{grid-template-columns:1fr;gap:45px}.quote-band-inner{align-items:flex-start;flex-direction:column}.related-grid{grid-template-columns:1fr 1fr}.footer-bottom{padding-bottom:35px}}
@media (max-width:640px){:root{--shell:calc(100% - 28px)}body{font-size:15px}.section{padding:76px 0}h1{font-size:clamp(2.6rem,13vw,4.1rem)}h2{font-size:clamp(2rem,10vw,3.1rem)}.header-inner,.scrolled .header-inner{height:80px}.brand{min-width:0}.brand img{width:180px}.header-cta{display:none}.home-hero{background:linear-gradient(180deg,#fff 0%,#fff 52%,var(--ice) 100%)}.hero-grid{padding-top:48px}.hero-copy h1 em{display:inline}.hero-actions{align-items:stretch;flex-direction:column}.hero-actions .button{width:100%}.hero-trust{font-size:.6rem}.hero-visual{margin:12px -14px -58px}.hero-image-frame{height:410px;border-radius:160px 160px 0 0}.hero-image-frame>img{object-position:61% center}.hero-badge{left:20px;bottom:20px}.trust-grid{grid-template-columns:1fr}.trust-item{min-height:auto;padding:22px 8px;border-bottom:1px solid var(--border)}.service-grid{grid-template-columns:1fr}.service-image{height:250px}.service-card p{min-height:0}.photo-panel img{min-height:440px}.gold-frame{inset:18px -8px -14px 18px}.number-benefit{grid-template-columns:48px 1fr}.savings-section{padding:85px 0}.better-question{padding:35px 0}.timeline{grid-template-columns:1fr;margin-left:26px;padding-left:35px;border-left:1px solid var(--gold-600);gap:20px}.timeline-item{padding:0 0 28px}.timeline-item .icon{left:-62px;top:0;width:52px}.local-image{height:420px}.local-image img{object-position:center center}.local-card{margin:-45px 12px 0;padding:35px 26px}.carrier-grid{grid-template-columns:1fr}.carrier-logo,.carrier-logo:last-child{grid-column:auto;min-height:118px}.carrier-logo img,.carrier-logo:last-child img{height:74px;max-width:100%}.testimonial-section{padding:80px 0}.testimonial-stage{min-height:380px}.giant-quote{left:-5px;top:-65px}.final-cta{padding:85px 0 65px}.final-cta-copy h2{font-size:clamp(3.3rem,16vw,5rem)}.shield-scene{position:relative;right:auto;width:100%;height:360px;opacity:.65}.cta-values{grid-template-columns:1fr}.cta-value{border-right:0!important;border-bottom:1px solid rgba(246,212,119,.24)}.cta-tagline{flex-wrap:wrap;gap:9px;font-size:.54rem}.footer-grid{grid-template-columns:1fr 1fr}.footer-brand{grid-column:1/-1}.footer-grid>div:last-child{grid-column:1/-1}.footer-bottom{flex-direction:column}.mobile-actions{position:fixed;z-index:900;left:0;right:0;bottom:0;display:grid;grid-template-columns:1fr 1fr;background:#fff;box-shadow:0 -7px 24px rgba(4,28,60,.16)}.mobile-actions a{min-height:58px;display:flex;gap:8px;align-items:center;justify-content:center;text-decoration:none;color:var(--navy-900);font:800 .72rem var(--sans);text-transform:uppercase}.mobile-actions a:last-child{background:linear-gradient(105deg,var(--gold-400),var(--gold-600))}.interior-hero{min-height:660px}.interior-overlay{background:linear-gradient(0deg,rgba(2,17,39,.96),rgba(4,28,60,.55) 75%,rgba(4,28,60,.1))}.interior-hero-content{padding-bottom:55px}.interior-hero-content h1{font-size:clamp(3rem,14vw,4.6rem)}.coverage-item{grid-template-columns:38px 1fr;padding:30px 8px}.coverage-item .icon{display:none}.coverage-note-card{padding:24px}.related-grid{grid-template-columns:1fr}.quote-band{padding:70px 0}.quote-band-actions{width:100%;justify-items:stretch}.quote-band-actions .button{text-align:center}.about-hero{padding:65px 0 80px}.about-image img{min-height:390px}.form-hero{padding:45px 0 90px}.form-card{padding:28px 19px}.lead-form{grid-template-columns:1fr}.field.full,.consent.full,.form-submit-row.full{grid-column:auto}.form-submit-row .button{width:100%}.contact-hero{padding-top:58px}.contact-details h1{font-size:clamp(2.8rem,13vw,4rem)}.thank-you-card{padding:45px 22px}.thank-you-card h1{font-size:3.2rem}}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{animation:none!important;transition:none!important}.js .reveal{opacity:1;transform:none}}

/* Service-category heroes: preserve the complete source image at every viewport. */
@media (max-width:1024px){.interior-hero{display:block;min-height:0}.interior-hero-bg{position:relative;inset:auto;width:100%;display:block;background:#071a31}.interior-hero-bg img{width:100%;height:auto;object-fit:contain}.interior-overlay{display:none}.interior-hero-content{padding-block:58px}.interior-hero-content>*,.interior-hero-content h1,.interior-hero-content p{max-width:760px}.interior-hero-content h1{font-size:clamp(2.8rem,6.8vw,4.35rem)}}
@media (max-width:640px){.interior-hero-content{padding-block:42px 54px}.interior-hero-content>*,.interior-hero-content h1,.interior-hero-content p{max-width:100%}.interior-hero-content h1{font-size:clamp(2.35rem,10.5vw,3.05rem);line-height:1}.interior-hero-content .button{width:100%;padding-inline:16px}.interior-hero .breadcrumbs{margin-bottom:24px}}

/* About hero: full-photo editorial treatment. */
@media (max-width:1024px){.about-hero{padding:54px 0 82px}.about-hero .split-layout{grid-template-columns:1fr;gap:34px}.about-image{order:-1;max-width:900px}.about-image img{height:auto;min-height:0}.about-copy{max-width:760px;margin:-86px 24px 0;padding:42px;z-index:4}.about-copy h1{font-size:clamp(3rem,7vw,4.6rem)}.about-copy .breadcrumbs{margin-bottom:36px}}
@media (max-width:640px){.about-hero{padding:28px 0 68px}.about-image{padding:7px;border-radius:16px}.about-image img{border-radius:10px}.about-image:after{display:none}.about-image:before{right:14px;bottom:14px;padding:8px 9px;font-size:.48rem}.about-copy{margin:-28px 8px 0;padding:34px 24px 32px;border-radius:16px}.about-copy:before{right:18px;top:20px;font-size:3.4rem}.about-copy .breadcrumbs{margin-bottom:32px}.about-copy h1{font-size:clamp(2.65rem,12vw,3.5rem);line-height:1}.about-copy .lead{font-size:.93rem}.about-copy .button{width:100%;padding-inline:14px}}

/* About hero v2: light, image-first editorial composition. */
.about-hero.about-hero-v2{overflow:hidden;padding:72px 0 142px;background:#f4f1ea;color:var(--heading)}.about-hero.about-hero-v2:after{content:"ABOUT";right:-.04em;bottom:-.18em;width:auto;height:auto;border:0;border-radius:0;box-shadow:none;color:rgba(8,39,76,.035);font:700 clamp(9rem,23vw,23rem)/.75 var(--serif);letter-spacing:-.07em;pointer-events:none}.about-breadcrumbs{position:relative;z-index:2;margin-bottom:48px;color:#6f7d8c}.about-intro{position:relative;z-index:2;display:grid;grid-template-columns:.45fr 1.55fr;gap:64px;align-items:start;margin-bottom:54px}.about-intro>div{padding-top:14px}.about-intro .eyebrow{color:var(--gold-700)}.about-intro-rule{display:block;width:100%;height:1px;margin-top:20px;background:linear-gradient(90deg,var(--gold-600),transparent)}.about-intro h1{max-width:900px;margin:0;color:var(--navy-900);font-size:clamp(3.5rem,5.5vw,5.8rem);line-height:.89;letter-spacing:-.055em}.about-intro h1 em{display:block;color:var(--blue-700);font-weight:600}.about-stage{position:relative;z-index:2;padding-bottom:106px}.about-photo{position:relative;width:88%;margin:0 0 0 auto;padding:10px;border:1px solid rgba(8,39,76,.18);border-radius:3px;background:#fff;box-shadow:0 28px 70px rgba(8,39,76,.16)}.about-photo:before{content:"";position:absolute;z-index:-1;inset:-16px 18px 18px -16px;border:1px solid var(--gold-600)}.about-photo img{display:block;width:100%;height:auto;min-height:0;object-fit:contain}.about-photo figcaption{position:absolute;right:28px;bottom:28px;padding:12px 17px;color:var(--navy-900);background:#f0cc63;font:800 .62rem/1 var(--sans);letter-spacing:.1em;text-transform:uppercase}.about-story{position:absolute;left:0;bottom:0;width:min(500px,44%);padding:38px 40px 40px;border-top:4px solid var(--gold-500);color:#dce8f3;background:var(--navy-900);box-shadow:0 25px 60px rgba(3,20,43,.28)}.about-story-kicker{display:block;margin-bottom:18px;color:var(--gold-400);font:800 .66rem/1 var(--sans);letter-spacing:.13em;text-transform:uppercase}.about-story .lead{margin:0 0 26px;color:#dce8f3;font-size:.98rem;line-height:1.7}.about-story .button{box-shadow:none}
@media (max-width:1024px){.about-hero.about-hero-v2{padding:54px 0 104px}.about-intro{grid-template-columns:1fr;gap:24px;margin-bottom:40px}.about-intro>div{padding:0}.about-intro-rule{width:180px}.about-intro h1{font-size:clamp(3.25rem,7.3vw,4.8rem)}.about-photo{width:100%}.about-stage{padding-bottom:180px}.about-story{left:28px;width:min(620px,82%)}.about-breadcrumbs{margin-bottom:38px}}
@media (max-width:640px){.about-hero.about-hero-v2{padding:34px 0 72px}.about-breadcrumbs{margin-bottom:28px}.about-intro{gap:18px;margin-bottom:30px}.about-intro-rule{width:110px;margin-top:13px}.about-intro h1{font-size:clamp(2.65rem,11.7vw,3.55rem);line-height:.93}.about-stage{display:grid;padding:0}.about-photo{width:calc(100% + 12px);margin-left:-6px;padding:5px}.about-photo:before{inset:-8px 10px 10px -8px}.about-photo figcaption{right:12px;bottom:12px;padding:8px 9px;font-size:.46rem}.about-story{position:relative;left:auto;bottom:auto;width:calc(100% - 18px);margin:-18px auto 0;padding:30px 24px 28px}.about-story .lead{font-size:.92rem}.about-story .button{width:100%;padding-inline:14px}}

/* Nine-provider logo grid: keep every card the same size. */
@media (max-width:1024px) and (min-width:641px){.carrier-logo:last-child{grid-column:auto}.carrier-logo:last-child img{max-width:none}}

/* The hamburger appears through 1024px, so its overlay and scroll lock must use that same breakpoint. */
html.menu-open,body.menu-open{overflow:hidden;overscroll-behavior:none}
body.menu-open{position:fixed;right:0;left:0;width:100%;touch-action:none}
@media (max-width:1024px){
  body.menu-open .site-header{position:fixed;z-index:1000;top:0;right:0;left:0;background:#fff;backdrop-filter:none}
  .mobile-menu{position:fixed;z-index:999;top:var(--mobile-menu-top,96px);right:0;bottom:var(--mobile-menu-bottom,0px);left:0;max-height:none;overflow-y:auto;overscroll-behavior:contain;background:#fff;border-top:1px solid var(--border);box-shadow:none}
  .mobile-menu nav{min-height:100%;width:100%;display:flex;flex-direction:column;align-items:stretch;justify-content:center;gap:4px;margin:0;padding:18px max(14px,calc((100vw - 520px)/2))}
  .mobile-menu a{display:flex;min-height:54px;align-items:center;justify-content:center;padding:12px 16px;font-size:.9rem}
  .menu-toggle[aria-expanded="true"] span:not(.sr-only):nth-child(1){transform:translateY(7px) rotate(45deg)}
  .menu-toggle[aria-expanded="true"] span:not(.sr-only):nth-child(2){opacity:0}
  .menu-toggle[aria-expanded="true"] span:not(.sr-only):nth-child(3){transform:translateY(-7px) rotate(-45deg)}
}

/* Homepage consultation photo: preserve the complete 3:2 scene at every breakpoint. */
.why-section .photo-panel img{height:auto;min-height:0;aspect-ratio:3/2;object-fit:contain;object-position:center}
@media (max-width:1024px){.why-section .photo-panel{width:100%;max-width:800px}.why-section .photo-panel img{height:auto;min-height:0}}
@media (max-width:640px){.why-section .photo-panel img{height:auto;min-height:0;border-radius:20px}.why-section .gold-frame{inset:14px -7px -12px 14px;border-radius:20px}}

/* Desktop homepage hero: shorter headline block and a taller, centered family portrait. */
@media (min-width:1025px){
  .home-hero{min-height:820px}
  .home-hero .hero-grid{min-height:820px;grid-template-columns:minmax(0,1.08fr) minmax(0,.92fr);gap:48px;padding-top:48px;padding-bottom:48px}
  .home-hero .hero-copy{max-width:660px}
  .home-hero .hero-copy h1{max-width:650px;font-size:clamp(3.65rem,4.15vw,4.45rem);line-height:1.02;letter-spacing:-.05em;margin-bottom:24px}
  .home-hero .hero-visual{align-self:center;min-height:700px}
  .home-hero .hero-image-frame{height:700px}
  .home-hero .hero-image-frame>img{object-position:65% center}
}
@media (min-width:1025px) and (max-width:1199px){
  .home-hero .hero-grid{grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:36px}
  .home-hero .hero-copy h1{font-size:3.55rem}
}

/* Global header CTA: keep its label on one line and prevent flexbox compression. */
.header-cta{width:230px;min-width:230px;flex:0 0 230px;justify-content:space-between;white-space:nowrap;padding-inline:22px}

/* Responsive homepage hero: move the same family photo directly beneath the H1. */
.hero-inline-media{display:none}
@media (max-width:1024px){
  .home-hero .hero-grid{display:block;padding-bottom:70px}
  .home-hero .hero-copy{max-width:760px;margin-inline:auto}
  .home-hero .hero-copy h1{font-size:clamp(3.15rem,7.4vw,4.35rem);line-height:1.02;margin-bottom:30px}
  .hero-inline-media{position:relative;display:block;width:100%;aspect-ratio:16/9;margin:0 0 38px;overflow:hidden;border-radius:220px 220px 24px 24px;box-shadow:0 24px 55px rgba(4,28,60,.16)}
  .hero-inline-media img{width:100%;height:100%;object-fit:cover;object-position:62% center}
  .hero-inline-frame{position:absolute;inset:10px;border:1px solid rgba(246,212,119,.82);border-radius:210px 210px 18px 18px;pointer-events:none}
  .home-hero .hero-visual{display:none}
}
@media (max-width:640px){
  .home-hero .hero-grid{padding-top:42px;padding-bottom:60px}
  .home-hero .hero-copy h1{font-size:clamp(2.45rem,10.8vw,2.8rem);line-height:1.02;letter-spacing:-.045em;margin-bottom:24px}
  .hero-inline-media{width:calc(100% + 28px);margin-left:-14px;margin-bottom:30px;border-radius:120px 120px 18px 18px}
  .hero-inline-media img{object-position:64% center}
  .hero-inline-frame{inset:7px;border-radius:114px 114px 13px 13px}
}

/* Homepage hero labels: complete tagline and deliberate responsive alignment. */
.hero-eyebrow{white-space:nowrap}
.hero-trust{display:grid;grid-template-columns:repeat(3,max-content);align-items:center;gap:0}
.hero-trust>span{display:flex;align-items:center;white-space:nowrap}
.hero-trust>span:not(:last-child):after{content:"";width:4px;height:4px;margin:0 10px;border-radius:50%;background:var(--gold-600)}
@media (max-width:1024px){
  .hero-eyebrow{display:grid;grid-template-columns:max-content 4px max-content 4px max-content;justify-content:start}
  .hero-trust{width:100%;grid-template-columns:repeat(3,minmax(0,1fr));border-top:1px solid rgba(8,39,76,.12);border-bottom:1px solid rgba(8,39,76,.12)}
  .hero-trust>span{min-height:54px;justify-content:center;padding:8px 12px;text-align:center;white-space:normal;line-height:1.35}
  .hero-trust>span+span{border-left:1px solid rgba(8,39,76,.12)}
  .hero-trust>span:not(:last-child):after{display:none}
}
@media (max-width:640px){
  .hero-eyebrow{width:100%;grid-template-columns:1fr 4px 1fr;row-gap:10px;column-gap:10px;justify-content:stretch;text-align:center;white-space:normal}
  .hero-eyebrow>span:nth-of-type(3){grid-column:1/-1}
  .hero-eyebrow>i:nth-of-type(2){display:none}
  .hero-trust{font-size:.58rem}
  .hero-trust>span{min-height:58px;padding:8px 6px}
}

/* Provider cards: border edge only — logo gold at left, logo blue at right. */
.carrier-logo{position:relative;border:1.5px solid transparent;background:linear-gradient(#fff,#fff) padding-box,linear-gradient(90deg,#d7a52a 0%,#f6d477 38%,#8eacc9 54%,#0a5aa8 72%,#08274c 100%) border-box}
@property --carrier-edge-angle{syntax:"<angle>";inherits:false;initial-value:0deg}
.carrier-logo:after{content:"";position:absolute;z-index:0;inset:-1.5px;padding:1.5px;border-radius:inherit;background:conic-gradient(from var(--carrier-edge-angle),transparent 0 78%,rgba(255,255,255,.15) 82%,rgba(255,255,255,.95) 86%,rgba(246,212,119,.85) 89%,transparent 94% 100%);pointer-events:none;-webkit-mask:linear-gradient(#000 0 0) content-box,linear-gradient(#000 0 0);-webkit-mask-composite:xor;mask:linear-gradient(#000 0 0) content-box,linear-gradient(#000 0 0);mask-composite:exclude;animation:carrier-edge-sweep 7s linear infinite}
.carrier-logo img{position:relative;z-index:1}
.carrier-logo:hover{border-color:transparent}
@keyframes carrier-edge-sweep{to{--carrier-edge-angle:360deg}}
@media (prefers-reduced-motion:reduce){.carrier-logo:after{animation:none;display:none}}

/* Compact final CTA: luxury editorial layout inspired by the approved navy/gold artwork. */
.final-cta{padding:58px 0 38px;overflow:hidden;background:radial-gradient(circle at 78% 18%,rgba(19,135,232,.32),transparent 30%),radial-gradient(circle at 12% 8%,rgba(2,10,26,.9),transparent 45%),radial-gradient(circle at 30% 108%,rgba(215,165,42,.1),transparent 40%),linear-gradient(135deg,#01091a 0%,#031a39 55%,#07306b 100%)}
.final-cta:before{background:linear-gradient(105deg,transparent 34%,rgba(255,255,255,.03) 52%,transparent 68%)}
.final-cta .cta-bg{position:absolute;inset:0;z-index:0;overflow:hidden}
.final-cta .cta-bg img{display:block;width:100%;height:100%;object-fit:cover;object-position:78% 18%}
.final-cta .cta-bg-overlay{position:absolute;inset:0;background:linear-gradient(90deg,rgba(1,11,26,.9) 0%,rgba(1,11,26,.62) 40%,rgba(1,11,26,.08) 70%,rgba(1,11,26,.3) 100%),linear-gradient(180deg,rgba(1,11,26,.22) 0%,transparent 32%,transparent 58%,rgba(1,11,26,.5) 100%)}
.final-cta-inner{grid-template-columns:minmax(0,1.12fr) minmax(0,.88fr);column-gap:54px;align-items:center}
.final-cta-copy{position:relative;z-index:2;align-self:center}
.final-cta-copy .cta-eyebrow{display:flex;justify-content:center;gap:16px;margin-bottom:18px;color:var(--gold-400);font-size:.72rem;letter-spacing:.22em}
.final-cta-copy .cta-eyebrow:before,.final-cta-copy .cta-eyebrow:after{content:"";align-self:center;width:64px;height:1px;background:linear-gradient(90deg,transparent,var(--gold-600))}
.final-cta-copy .cta-eyebrow:after{background:linear-gradient(90deg,var(--gold-600),transparent)}
.final-cta-copy h2{max-width:760px;margin-bottom:18px;font-size:clamp(3.4rem,5.25vw,5.35rem);line-height:.92;letter-spacing:-.035em}
.final-cta-copy h2 span,.final-cta-copy h2 strong{white-space:nowrap}
.final-cta-copy>p{margin:0;font-size:1.02rem;line-height:1.65}
.final-cta-copy .cta-divider{display:flex;align-items:center;justify-content:center;gap:10px;margin-top:22px}
.final-cta-copy .cta-divider:before,.final-cta-copy .cta-divider:after{content:"";height:1px;flex:1;max-width:210px;background:linear-gradient(90deg,transparent,rgba(19,135,232,.75))}
.final-cta-copy .cta-divider:after{background:linear-gradient(90deg,rgba(19,135,232,.75),transparent)}
.final-cta-copy .cta-divider i{width:7px;height:7px;border-radius:50%;background:#7CC0FF;box-shadow:0 0 0 4px rgba(19,135,232,.28),0 0 16px 4px rgba(19,135,232,.55)}
.final-cta .cta-values,.final-cta .cta-action,.final-cta .cta-tagline{position:relative;z-index:2}
.final-cta .cta-values{margin-top:18px}
.final-cta .cta-value{gap:13px;min-width:0;padding:18px 16px}
.final-cta .cta-value .icon{flex:0 0 auto;width:44px;height:44px;padding:9px;border:1.5px solid rgba(246,212,119,.55);border-radius:50%;color:var(--gold-400);background:rgba(215,165,42,.08);box-shadow:0 0 0 4px rgba(215,165,42,.07)}
.final-cta .cta-value h3{font-size:1.08rem;line-height:1.15;margin-bottom:5px}
.final-cta .cta-value p{font-size:.69rem;line-height:1.45}
.final-cta .cta-action{padding-top:24px}
.final-cta .cta-action .button-xl{min-height:58px;padding:16px 34px;font-size:.84rem;font-weight:800;letter-spacing:.06em;text-transform:uppercase;box-shadow:0 0 0 1px rgba(255,255,255,.3),0 0 24px rgba(215,165,42,.3)}
.final-cta .cta-action p{margin-top:8px;font-size:.74rem}
.final-cta .cta-tagline{margin-top:20px;gap:13px;font-size:.62rem}
.final-cta .tag-shield{width:26px;height:26px}
@media (max-width:1024px){
  .final-cta{padding:54px 0 36px}
  .final-cta-inner{grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);column-gap:24px}
  .final-cta-copy h2{font-size:clamp(3.25rem,6.8vw,4.7rem)}
  .final-cta .cta-values{grid-template-columns:repeat(4,minmax(0,1fr))}
  .final-cta .cta-value{padding:16px 11px}
  .final-cta .cta-value:nth-child(2){border-right:1px solid rgba(246,212,119,.24)}
  .final-cta .cta-value:nth-child(-n+2){border-bottom:0}
}
@media (max-width:700px){
  .final-cta{padding:48px 0 32px}
  .final-cta-inner{display:grid;grid-template-columns:1fr}
  .final-cta-copy{text-align:center}
  .final-cta-copy .eyebrow{justify-content:center}
  .final-cta-copy h2{margin-inline:auto;font-size:clamp(2.75rem,12vw,4rem);line-height:.95}
  .final-cta-copy h2 span,.final-cta-copy h2 strong{white-space:normal}
  .final-cta-copy>p{font-size:.91rem}
  .final-cta .cta-bg img{object-position:72% 10%}
  .final-cta .cta-bg-overlay{background:linear-gradient(180deg,rgba(1,11,26,.78) 0%,rgba(1,11,26,.4) 42%,rgba(1,11,26,.66) 100%)}
  .final-cta-copy .cta-eyebrow:before,.final-cta-copy .cta-eyebrow:after{width:44px}
  .final-cta-copy .cta-divider{margin-top:18px}
  .final-cta .cta-values{position:relative;z-index:2;grid-template-columns:repeat(2,minmax(0,1fr));margin-top:30px}
  .final-cta .cta-value{align-items:flex-start;padding:16px 12px;border-right:1px solid rgba(246,212,119,.24);border-bottom:1px solid rgba(246,212,119,.24)}
  .final-cta .cta-value:nth-child(even){border-right:0}
  .final-cta .cta-value:nth-child(n+3){border-bottom:0}
  .final-cta .cta-value h3{font-size:1rem}
  .final-cta .cta-value p{font-size:.66rem}
  .final-cta .cta-action{padding-top:22px}
  .final-cta .cta-action .button-xl{width:100%;min-height:54px;padding:14px 18px}
  .final-cta .cta-tagline{flex-wrap:wrap;row-gap:7px;margin-top:17px;font-size:.54rem;letter-spacing:.1em}
}
@media (max-width:420px){
  .final-cta-copy h2{font-size:2.72rem}
  .final-cta .cta-value{display:block;padding:14px 9px}
  .final-cta .cta-value .icon{width:38px;height:38px;padding:8px;margin-bottom:8px}
  .final-cta .cta-value h3{font-size:.94rem}
  .final-cta .cta-tagline{gap:7px}
  .final-cta .cta-tagline .tag-shield{display:none}
}

/* Approved CTA artwork: it already contains the complete visual composition.
   Do not layer a second copy of the text/icons over the art. */
.final-cta{position:relative;isolation:isolate;padding:0!important;min-height:0!important;aspect-ratio:3/2;background:#020a1e}
.final-cta:before{content:none!important}
.final-cta .cta-bg{position:absolute!important;inset:0!important;z-index:0!important}
.final-cta .cta-bg img{width:100%!important;height:100%!important;object-fit:fill!important;object-position:center!important}
.final-cta .cta-bg-overlay{display:none!important}
.final-cta .final-cta-inner{position:absolute!important;inset:0!important;display:block!important;width:auto!important;max-width:none!important;margin:0!important;padding:0!important;z-index:2!important}
.final-cta .final-cta-copy,.final-cta .cta-values,.final-cta .cta-tagline{position:absolute!important;width:1px!important;height:1px!important;margin:-1px!important;padding:0!important;overflow:hidden!important;clip:rect(0 0 0 0)!important;clip-path:inset(50%)!important;white-space:nowrap!important;border:0!important}
/* Real link positioned on the artwork's gold call-to-action; it stays keyboard usable. */
.final-cta .cta-action{position:absolute!important;z-index:3!important;left:31.55%!important;top:72.15%!important;width:36.85%!important;height:8.05%!important;margin:0!important;padding:0!important;text-align:initial!important}
.final-cta .cta-action .button-xl{display:block!important;width:100%!important;height:100%!important;min-height:0!important;margin:0!important;padding:0!important;border:0!important;background:transparent!important;color:transparent!important;box-shadow:none!important;font-size:0!important;outline-offset:5px!important}
.final-cta .cta-action .button-xl span{display:none!important}
.final-cta .cta-action .button-xl:focus-visible{outline:3px solid #fff;box-shadow:0 0 0 6px rgba(19,135,232,.75)!important}
.final-cta .cta-action p{display:none!important}
/* Preserve the supplied artwork's 3:2 composition at every viewport. This keeps
   the headline, shield, four benefits, CTA, and signature line all visible. */
@media (max-width:1024px){.final-cta{aspect-ratio:3/2}}
@media (max-width:640px){.final-cta{aspect-ratio:3/2}.final-cta .cta-bg img{object-fit:fill!important;object-position:center!important}.final-cta .cta-action{left:31.55%!important;top:72.15%!important;width:36.85%!important;height:8.05%!important}}

/* Phone adaptation of the approved CTA: preserve its navy/gold art direction while
   rendering its real content at a touch-readable scale rather than shrinking a 1536px poster. */
@media (max-width:640px){
  .final-cta{aspect-ratio:auto!important;min-height:830px!important;padding:92px 0 34px!important;background:radial-gradient(circle at 92% 14%,rgba(15,115,205,.42),transparent 24%),radial-gradient(circle at 0% 76%,rgba(213,164,37,.12),transparent 34%),linear-gradient(145deg,#01091c 0%,#031936 58%,#041b40 100%)!important}
  /* The desktop artwork has its own baked-in words/icons. Hide it on phone so the
     readable live content below never develops a ghosted second copy. */
  .final-cta .cta-bg{display:none!important}
  .final-cta:after{content:""!important;position:absolute!important;z-index:1!important;inset:auto -24% -24% -24%!important;height:48%!important;display:block!important;pointer-events:none!important;background:radial-gradient(ellipse at 18% 88%,transparent 0 40%,rgba(240,199,94,.8) 40.25% 40.55%,transparent 40.9%),radial-gradient(ellipse at 77% 78%,transparent 0 48%,rgba(19,135,232,.62) 48.25% 48.7%,transparent 49.05%);filter:drop-shadow(0 0 8px rgba(240,199,94,.38));opacity:.75}
  .final-cta .final-cta-inner{position:relative!important;inset:auto!important;display:grid!important;grid-template-columns:1fr!important;width:var(--shell)!important;max-width:var(--shell)!important;margin:0 auto!important;padding:0!important}
  .final-cta .final-cta-copy,.final-cta .cta-values,.final-cta .cta-tagline{position:relative!important;width:auto!important;height:auto!important;margin:0!important;padding:0!important;overflow:visible!important;clip:auto!important;clip-path:none!important;white-space:normal!important;border:0!important}
  .final-cta .final-cta-copy{z-index:2!important;text-align:center!important}
  .final-cta .final-cta-copy .cta-eyebrow{display:flex!important;justify-content:center!important;gap:12px!important;margin:0 0 13px!important;font-size:.62rem!important;letter-spacing:.18em!important}
  .final-cta .final-cta-copy .cta-eyebrow:before,.final-cta .final-cta-copy .cta-eyebrow:after{content:""!important;display:block!important;width:34px!important;height:1px!important;margin:auto 0!important}
  .final-cta .final-cta-copy h2{display:block!important;margin:0 auto 14px!important;font-size:clamp(2.5rem,12.1vw,3.35rem)!important;line-height:.94!important;letter-spacing:-.04em!important}
  .final-cta .final-cta-copy h2 span,.final-cta .final-cta-copy h2 strong{display:block!important;white-space:normal!important}
  .final-cta .final-cta-copy>p{display:block!important;max-width:290px!important;margin:0 auto!important;font-size:.89rem!important;line-height:1.48!important}
  .final-cta .final-cta-copy .cta-divider{display:flex!important;margin:17px auto 0!important;max-width:250px!important}
  .final-cta .cta-values{z-index:2!important;display:grid!important;grid-template-columns:repeat(2,minmax(0,1fr))!important;margin-top:26px!important;border-top:1px solid rgba(246,212,119,.24)!important;border-bottom:1px solid rgba(246,212,119,.24)!important}
  .final-cta .cta-value{display:block!important;min-width:0!important;padding:14px 10px!important;border-right:1px solid rgba(246,212,119,.24)!important;border-bottom:1px solid rgba(246,212,119,.24)!important;text-align:center!important}
  .final-cta .cta-value:nth-child(even){border-right:0!important}
  .final-cta .cta-value:nth-child(n+3){border-bottom:0!important}
  .final-cta .cta-value .icon{display:block!important;width:39px!important;height:39px!important;margin:0 auto 7px!important;padding:8px!important}
  .final-cta .cta-value h3{display:block!important;margin:0 0 4px!important;font-size:.93rem!important;line-height:1.06!important}
  .final-cta .cta-value p{display:block!important;margin:0!important;font-size:.64rem!important;line-height:1.35!important}
  .final-cta .cta-action{position:relative!important;z-index:3!important;left:auto!important;top:auto!important;width:auto!important;height:auto!important;margin:23px auto 0!important;padding:0!important;text-align:center!important}
  .final-cta .cta-action .button-xl{display:inline-flex!important;align-items:center!important;justify-content:center!important;width:100%!important;height:auto!important;min-height:52px!important;padding:13px 12px!important;background:linear-gradient(135deg,#f7d575,#dca928)!important;color:#071838!important;border:1px solid #ffe6a0!important;border-radius:999px!important;box-shadow:0 0 20px rgba(240,199,94,.38)!important;font-size:.71rem!important;letter-spacing:.045em!important;text-decoration:none!important}
  .final-cta .cta-action .button-xl span{display:inline!important;margin-left:10px!important;font-size:1.25rem!important}
  .final-cta .cta-action p{display:block!important;margin:8px 0 0!important;color:#fff!important;font-size:.72rem!important}
  .final-cta .cta-tagline{z-index:2!important;display:flex!important;align-items:center!important;justify-content:center!important;flex-wrap:wrap!important;gap:7px!important;margin-top:22px!important;color:#fff!important;font-size:.53rem!important;line-height:1.4!important;letter-spacing:.08em!important;text-align:center!important}
  .final-cta .cta-tagline .tag-shield{display:block!important;width:22px!important;height:22px!important}
  .final-cta .cta-tagline i{display:block!important;width:1px!important;height:12px!important}
}

/* Explore Coverage: use the same dual gold/blue moving edge as the provider tiles,
   scoped to the six service-photo links so card text remains calm and readable. */
.services-section .service-image{position:relative;isolation:isolate;border:1.5px solid transparent;background:linear-gradient(#fff,#fff) padding-box,linear-gradient(90deg,#d7a52a 0%,#f6d477 38%,#8eacc9 54%,#0a5aa8 72%,#08274c 100%) border-box}
.services-section .service-image:after{content:"";position:absolute;z-index:2;inset:-1.5px;padding:1.5px;border-radius:inherit;background:conic-gradient(from var(--carrier-edge-angle),transparent 0 78%,rgba(255,255,255,.15) 82%,rgba(255,255,255,.95) 86%,rgba(246,212,119,.85) 89%,transparent 94% 100%);pointer-events:none;-webkit-mask:linear-gradient(#000 0 0) content-box,linear-gradient(#000 0 0);-webkit-mask-composite:xor;mask:linear-gradient(#000 0 0) content-box,linear-gradient(#000 0 0);mask-composite:exclude;animation:carrier-edge-sweep 7s linear infinite}
.services-section .service-image img{position:relative;z-index:1}
@media (prefers-reduced-motion:reduce){.services-section .service-image:after{animation:none;display:none}}

/* Explore Coverage: branded navy canvas with restrained gold/blue light trails.
   The service cards remain white so the coverage choices stay easy to scan. */
.services-section{position:relative;overflow:hidden;background:radial-gradient(circle at 92% 16%,rgba(19,135,232,.38),transparent 26%),radial-gradient(circle at 4% 92%,rgba(215,165,42,.22),transparent 29%),linear-gradient(135deg,#010a1d 0%,#031a3d 54%,#063776 100%)}
.services-section:before,.services-section:after{content:"";position:absolute;z-index:0;pointer-events:none;border:1px solid transparent;border-radius:50%}
.services-section:before{width:1120px;height:410px;right:-285px;bottom:-292px;transform:rotate(-14deg);border-color:rgba(19,135,232,.58);box-shadow:0 -2px 19px rgba(19,135,232,.24)}
.services-section:after{width:1040px;height:380px;left:-355px;bottom:-275px;transform:rotate(15deg);border-color:rgba(246,212,119,.72);box-shadow:0 -2px 18px rgba(240,199,94,.22)}
.services-section>.shell{position:relative;z-index:1}
.services-section .section-heading h2{color:#fff}
.services-section .section-heading p{color:#d5e3f2}
.services-section .section-heading .eyebrow{color:var(--gold-300)}
.services-section .service-card{box-shadow:0 18px 42px rgba(0,4,20,.28)}
.services-section .service-card:hover{box-shadow:0 25px 52px rgba(0,4,20,.38)}
@media (max-width:640px){.services-section:before{width:620px;height:240px;right:-260px;bottom:-180px}.services-section:after{width:610px;height:225px;left:-275px;bottom:-165px}}

/* The provider-card treatment belongs on the complete service card edge—not just
   its picture. Same stationary gold-to-blue rail and same moving highlight. */
@property --service-edge-angle{syntax:"<angle>";inherits:false;initial-value:0deg}
@keyframes service-card-edge-sweep{to{--service-edge-angle:360deg}}
.services-section .service-card{position:relative;isolation:isolate;border:1.5px solid transparent!important;background:linear-gradient(#fff,#fff) padding-box,linear-gradient(90deg,#d7a52a 0%,#f6d477 28%,#fff 50%,#f6d477 72%,#d7a52a 100%) border-box}
.services-section .service-card:after{content:"";position:absolute;z-index:3;inset:-2px;padding:2px;border-radius:inherit;background:conic-gradient(from var(--service-edge-angle),transparent 0 67%,rgba(215,165,42,.35) 70%,rgba(246,212,119,.95) 74%,#fff 78%,rgba(255,255,255,.98) 82%,rgba(246,212,119,.95) 86%,rgba(215,165,42,.32) 90%,transparent 94% 100%);pointer-events:none;-webkit-mask:linear-gradient(#000 0 0) content-box,linear-gradient(#000 0 0);-webkit-mask-composite:xor;mask:linear-gradient(#000 0 0) content-box,linear-gradient(#000 0 0);mask-composite:exclude;animation:service-card-edge-sweep 3.8s linear infinite}
.services-section .service-card:hover{border-color:transparent!important}
.services-section .service-card>*{position:relative;z-index:1}
/* Remove the duplicate photo-only rail now that the card itself carries it. */
.services-section .service-image{border:0!important;background:transparent!important}
.services-section .service-image:after{display:none!important}
@media (prefers-reduced-motion:reduce){.services-section .service-card:after{animation:none;display:none}}

/* Local service: premium blue-and-gold hybrid—warm Miami skyline, navy trust panel,
   blue atmosphere, and precise gold details. */
.local-section{position:relative;isolation:isolate;overflow:hidden;background:radial-gradient(circle at 89% 18%,rgba(19,135,232,.48),transparent 25%),radial-gradient(circle at 8% 94%,rgba(215,165,42,.2),transparent 31%),linear-gradient(128deg,#010a1d 0%,#031a3c 56%,#063a7e 100%)}
.local-section:before,.local-section:after{content:"";position:absolute;z-index:-1;pointer-events:none;border-radius:50%}
.local-section:before{width:860px;height:310px;right:-185px;bottom:-236px;border:1px solid rgba(19,135,232,.72);box-shadow:0 -3px 24px rgba(19,135,232,.3);transform:rotate(-13deg)}
.local-section:after{width:760px;height:280px;left:-285px;bottom:-207px;border:1px solid rgba(246,212,119,.78);box-shadow:0 -3px 20px rgba(240,199,94,.25);transform:rotate(14deg)}
.local-section .local-grid{position:relative;align-items:center;grid-template-columns:1.08fr .92fr}
.local-section .local-image{position:relative;height:610px;isolation:isolate;overflow:hidden;border:1.5px solid transparent;border-radius:30px 10px 30px 10px;background:linear-gradient(#061a38,#061a38) padding-box,linear-gradient(135deg,#f6d477 0%,#d7a52a 30%,#168fe9 68%,#06285a 100%) border-box;box-shadow:0 26px 56px rgba(0,5,24,.42)}
.local-section .local-image:after{content:"";position:absolute;z-index:1;inset:0;background:linear-gradient(115deg,rgba(1,11,30,.1),rgba(3,27,64,.04) 52%,rgba(19,135,232,.28)),linear-gradient(0deg,rgba(1,10,28,.42),transparent 47%);pointer-events:none}
.local-section .local-image img{position:relative;z-index:0;transform:scale(1.01);transition:transform .65s ease}
.local-section .local-image:hover img{transform:scale(1.045)}
.local-section .local-card{position:relative;z-index:2;margin-left:-76px;padding:58px 60px;background:linear-gradient(140deg,rgba(5,27,60,.97),rgba(3,17,39,.98));border:1.5px solid transparent;border-radius:12px 30px 12px 30px;background-clip:padding-box;box-shadow:0 28px 62px rgba(0,4,22,.48)}
.local-section .local-card:before{content:"";position:absolute;z-index:-1;inset:-1.5px;border-radius:inherit;background:linear-gradient(135deg,#f6d477 0%,#d7a52a 28%,rgba(22,143,233,.9) 67%,rgba(6,40,90,.95) 100%);pointer-events:none}
.local-section .local-card:after{content:"";position:absolute;z-index:-1;inset:1px;border-radius:inherit;background:linear-gradient(140deg,rgba(5,27,60,.97),rgba(3,17,39,.98));pointer-events:none}
.local-section .local-card .eyebrow{color:var(--gold-300)}
.local-section .local-card h2{color:#fff;font-size:clamp(2.5rem,3.6vw,4.05rem);line-height:.98;text-wrap:balance}
.local-section .local-card>p{color:#cbdcf0;font-size:1rem;line-height:1.7}
.local-section .local-card address{color:#fff}
.local-section .local-card address .icon{color:var(--gold-400);filter:drop-shadow(0 0 8px rgba(240,199,94,.35))}
.local-section .local-phone{color:#76c6ff;font-size:1.28rem;letter-spacing:.01em}
.local-section .local-phone:hover{color:#fff}
.local-section .local-card .button-gold{box-shadow:0 10px 28px rgba(215,165,42,.24)}
@media (max-width:1024px){.local-section .local-grid{grid-template-columns:1fr}.local-section .local-image{height:510px;max-width:800px}.local-section .local-card{max-width:720px;margin:-58px 30px 0;padding:48px}}
@media (max-width:640px){.local-section{padding-top:78px;padding-bottom:82px}.local-section .local-image{height:355px;border-radius:24px 8px 24px 8px}.local-section .local-card{margin:-32px 12px 0;padding:37px 26px;border-radius:8px 24px 8px 24px}.local-section .local-card h2{font-size:clamp(2.3rem,11vw,3.15rem)}.local-section .local-card>p{font-size:.92rem}.local-section .local-card address{margin-top:24px}.local-section .local-card .button-gold{width:100%;justify-content:center;text-align:center}}

/* Final CTA: use one live, readable design system at every width rather than a
   flattened desktop poster. This is the same clear composition used on mobile. */
.final-cta{position:relative!important;isolation:isolate!important;min-height:0!important;aspect-ratio:auto!important;padding:112px 0 52px!important;overflow:hidden!important;background:radial-gradient(circle at 88% 12%,rgba(19,135,232,.42),transparent 25%),radial-gradient(circle at 8% 94%,rgba(215,165,42,.15),transparent 31%),linear-gradient(140deg,#01091c 0%,#031937 58%,#04264f 100%)!important}
.final-cta .cta-bg{display:none!important}
.final-cta:before{content:""!important;position:absolute!important;z-index:0!important;inset:0!important;display:block!important;pointer-events:none!important;background:radial-gradient(ellipse at 11% 112%,transparent 0 42%,rgba(240,199,94,.64) 42.2% 42.5%,transparent 42.9%),radial-gradient(ellipse at 87% 92%,transparent 0 47%,rgba(19,135,232,.66) 47.2% 47.55%,transparent 47.9%);filter:drop-shadow(0 0 9px rgba(240,199,94,.27));opacity:.9}
.final-cta:after{content:""!important;position:absolute!important;z-index:0!important;inset:auto -12% -38% -12%!important;height:64%!important;display:block!important;pointer-events:none!important;background:radial-gradient(ellipse at 26% 84%,transparent 0 41%,rgba(246,212,119,.55) 41.2% 41.45%,transparent 41.8%),radial-gradient(ellipse at 76% 76%,transparent 0 47%,rgba(22,143,233,.56) 47.2% 47.48%,transparent 47.82%);opacity:.72}
.final-cta .final-cta-inner{position:relative!important;inset:auto!important;z-index:2!important;display:grid!important;grid-template-columns:1fr!important;width:var(--shell)!important;max-width:var(--shell)!important;margin:0 auto!important;padding:0!important}
.final-cta .final-cta-copy,.final-cta .cta-values,.final-cta .cta-tagline{position:relative!important;width:auto!important;height:auto!important;margin:0!important;padding:0!important;overflow:visible!important;clip:auto!important;clip-path:none!important;white-space:normal!important;border:0!important}
.final-cta .final-cta-copy{z-index:2!important;text-align:center!important}
.final-cta .final-cta-copy .cta-eyebrow{display:flex!important;justify-content:center!important;gap:14px!important;margin:0 0 16px!important;color:var(--gold-300)!important;font-size:.68rem!important;letter-spacing:.2em!important}
.final-cta .final-cta-copy .cta-eyebrow:before,.final-cta .final-cta-copy .cta-eyebrow:after{content:""!important;display:block!important;width:58px!important;height:1px!important;margin:auto 0!important}
.final-cta .final-cta-copy h2{display:block!important;max-width:900px!important;margin:0 auto 17px!important;font-size:clamp(3.25rem,6.5vw,5.8rem)!important;line-height:.91!important;letter-spacing:-.045em!important}
.final-cta .final-cta-copy h2 span,.final-cta .final-cta-copy h2 strong{display:block!important;white-space:normal!important}
.final-cta .final-cta-copy>p{display:block!important;max-width:540px!important;margin:0 auto!important;font-size:1rem!important;line-height:1.55!important}
.final-cta .final-cta-copy .cta-divider{display:flex!important;margin:23px auto 0!important;max-width:440px!important}
.final-cta .cta-values{z-index:2!important;display:grid!important;grid-template-columns:repeat(4,minmax(0,1fr))!important;max-width:1160px!important;margin:38px auto 0!important;border-top:1px solid rgba(246,212,119,.26)!important;border-bottom:1px solid rgba(246,212,119,.26)!important}
.final-cta .cta-value{display:flex!important;align-items:flex-start!important;min-width:0!important;padding:20px 18px!important;border-right:1px solid rgba(246,212,119,.24)!important;border-bottom:0!important;text-align:left!important}
.final-cta .cta-value:last-child{border-right:0!important}
.final-cta .cta-value .icon{display:block!important;flex:0 0 auto!important;width:43px!important;height:43px!important;margin:0 12px 0 0!important;padding:9px!important}
.final-cta .cta-value h3{display:block!important;margin:0 0 5px!important;font-size:1.02rem!important;line-height:1.08!important}
.final-cta .cta-value p{display:block!important;margin:0!important;font-size:.69rem!important;line-height:1.42!important}
.final-cta .cta-action{position:relative!important;z-index:3!important;left:auto!important;top:auto!important;width:auto!important;height:auto!important;margin:30px auto 0!important;padding:0!important;text-align:center!important}
.final-cta .cta-action .button-xl{display:inline-flex!important;align-items:center!important;justify-content:center!important;width:auto!important;min-width:380px!important;height:auto!important;min-height:56px!important;margin:0!important;padding:15px 30px!important;background:linear-gradient(135deg,#f8d778,#d9a728)!important;color:#071838!important;border:1px solid #ffe7a1!important;border-radius:999px!important;box-shadow:0 0 25px rgba(240,199,94,.35)!important;font-size:.8rem!important;font-weight:800!important;letter-spacing:.055em!important;text-decoration:none!important}
.final-cta .cta-action .button-xl span{display:inline!important;margin-left:11px!important;font-size:1.25rem!important}
.final-cta .cta-action p{display:block!important;margin:9px 0 0!important;color:#fff!important;font-size:.76rem!important}
.final-cta .cta-tagline{z-index:2!important;display:flex!important;align-items:center!important;justify-content:center!important;flex-wrap:wrap!important;gap:12px!important;margin-top:26px!important;color:#fff!important;font-size:.61rem!important;line-height:1.4!important;letter-spacing:.12em!important;text-align:center!important}
.final-cta .cta-tagline .tag-shield{display:block!important;width:25px!important;height:25px!important}.final-cta .cta-tagline i{display:block!important;width:1px!important;height:14px!important}
@media (max-width:900px){.final-cta{padding:104px 0 44px!important}.final-cta .cta-values{grid-template-columns:repeat(2,minmax(0,1fr))!important;max-width:660px!important}.final-cta .cta-value{padding:17px 15px!important;border-bottom:1px solid rgba(246,212,119,.24)!important}.final-cta .cta-value:nth-child(even){border-right:0!important}.final-cta .cta-value:nth-child(n+3){border-bottom:0!important}}
@media (max-width:640px){.final-cta{min-height:0!important;padding:92px 0 34px!important}.final-cta .final-cta-copy .cta-eyebrow{gap:12px!important;margin-bottom:13px!important;font-size:.62rem!important}.final-cta .final-cta-copy .cta-eyebrow:before,.final-cta .final-cta-copy .cta-eyebrow:after{width:34px!important}.final-cta .final-cta-copy h2{font-size:clamp(2.5rem,12.1vw,3.35rem)!important}.final-cta .final-cta-copy>p{max-width:290px!important;font-size:.89rem!important}.final-cta .final-cta-copy .cta-divider{margin-top:17px!important;max-width:250px!important}.final-cta .cta-values{margin-top:26px!important;max-width:none!important}.final-cta .cta-value{display:block!important;padding:14px 10px!important;text-align:center!important}.final-cta .cta-value .icon{width:39px!important;height:39px!important;margin:0 auto 7px!important;padding:8px!important}.final-cta .cta-value h3{font-size:.93rem!important}.final-cta .cta-value p{font-size:.64rem!important;line-height:1.35!important}.final-cta .cta-action{margin-top:23px!important}.final-cta .cta-action .button-xl{width:100%!important;min-width:0!important;min-height:52px!important;padding:13px 12px!important;font-size:.71rem!important}.final-cta .cta-action p{font-size:.72rem!important}.final-cta .cta-tagline{gap:7px!important;margin-top:22px!important;font-size:.53rem!important;letter-spacing:.08em!important}.final-cta .cta-tagline .tag-shield{width:22px!important;height:22px!important}.final-cta .cta-tagline i{height:12px!important}}

/* Footer alignment: give tablet and mobile visitors one calm, centered close. */
.copyright-year{color:var(--gold-400);font-weight:800}
.footer-bottom>span:first-child{color:var(--gold-400);font-weight:700}
.mobile-actions a:last-child .icon--blue-quote{color:#086dc8!important;filter:drop-shadow(0 1px 0 rgba(255,255,255,.55));}

/* CTA-to-footer transition: same gold/white/blue traveling edge used by the
   insurance-provider cards, scaled into a refined visual bridge. */
.cta-footer-separator{position:relative;z-index:4;height:5px;overflow:hidden;background:linear-gradient(90deg,#d7a52a 0%,#f6d477 24%,#fff 43%,#168fe9 70%,#06285a 100%);box-shadow:0 0 13px rgba(240,199,94,.33),0 0 20px rgba(19,135,232,.2)}
.cta-footer-separator:after{content:"";position:absolute;inset:-2px;background:conic-gradient(from var(--carrier-edge-angle),transparent 0 75%,rgba(215,165,42,.42) 79%,rgba(246,212,119,.98) 83%,rgba(255,255,255,.98) 86%,rgba(22,143,233,.9) 90%,transparent 95% 100%);animation:carrier-edge-sweep 3.8s linear infinite;mix-blend-mode:screen}
@media (max-width:1024px){.mobile-actions a:last-child .icon--blue-quote{color:#075da9!important}.cta-footer-separator{height:5px}}
@media (prefers-reduced-motion:reduce){.cta-footer-separator:after{animation:none;display:none}}
@media (max-width:1024px){
  .site-footer .footer-grid{grid-template-columns:1fr!important;gap:38px;text-align:center}
  .site-footer .footer-brand .brand{margin-inline:auto}
  .site-footer .footer-brand p{margin-inline:auto}
  .site-footer .footer-tagline{justify-content:center}
  .site-footer .footer-grid>div,.site-footer .footer-grid>div:last-child{grid-column:1/-1!important}
  .site-footer .footer-grid>div:not(.footer-brand){align-items:center}
  .site-footer .footer-grid address{text-align:center}
  .site-footer .footer-bottom{justify-content:center;text-align:center}
}
@media (max-width:640px){
  .site-footer .footer-grid{grid-template-columns:1fr!important;gap:38px}
  .site-footer .footer-grid>div,.site-footer .footer-grid>div:last-child{grid-column:1/-1!important}
  .site-footer .footer-bottom{align-items:center;flex-direction:column}
}