:root{--navy:#082b59;--blue:#075fbd;--blue2:#0d73d5;--sky:#eaf6ff;--orange:#ff5c0a;--orange2:#ff7b17;--ink:#15233b;--muted:#5f6b7a;--line:#dbe5ef;--soft:#f5f9fd;--white:#fff;--green:#12854a;--shadow:0 16px 45px rgba(8,43,89,.10);--shadow2:0 8px 22px rgba(8,43,89,.08);--radius:20px;--radius-sm:12px;--max:1180px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:#fff;line-height:1.55}a{color:inherit;text-decoration:none}button,input,select,textarea{font:inherit}img{max-width:100%;display:block}.container{width:min(var(--max),calc(100% - 40px));margin-inline:auto}.section{padding:76px 0}.soft{background:var(--soft)}.center{text-align:center}.eyebrow{font-size:.76rem;color:var(--blue);font-weight:850;letter-spacing:.12em;margin:0 0 12px;text-transform:uppercase}.eyebrow.light{color:#c9e7ff}h1,h2,h3{color:var(--navy);letter-spacing:-.025em}h1{font-size:clamp(2.55rem,5vw,4.55rem);line-height:1.01;margin:0}h2{font-size:clamp(2rem,3.3vw,3.1rem);line-height:1.08;margin:0 0 15px}h3{line-height:1.2}.lead{font-size:1.18rem;color:#4e5d70;max-width:720px}.muted{color:var(--muted)}.micro{font-size:.8rem;color:var(--muted)}
.site-header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.96);backdrop-filter:blur(12px);border-bottom:1px solid rgba(219,229,239,.9)}.nav-wrap{height:82px;display:flex;align-items:center;gap:22px}.brand{display:flex;align-items:center;gap:10px;min-width:max-content;color:var(--blue)}.brand-mark{width:48px;height:48px;display:grid;place-items:center}.brand strong{display:block;font-size:1.38rem;line-height:1;letter-spacing:.02em}.brand small{display:block;margin-top:5px;color:var(--orange);font-size:.57rem;font-weight:850;letter-spacing:.09em}.main-nav{display:flex;align-items:center;gap:22px;margin-left:auto;font-size:.9rem;font-weight:680}.main-nav a{padding:29px 0 26px;border-bottom:3px solid transparent}.main-nav a:hover,.main-nav a.active{color:var(--blue);border-color:var(--blue)}.nav-actions{display:flex;align-items:center;gap:12px;font-size:.84rem;font-weight:750}.phone-link{color:var(--blue)}.lang-link{padding:7px 9px;border-radius:7px}.lang-link:hover{background:var(--soft)}.menu-btn{display:none;border:0;background:transparent;font-size:1.7rem;color:var(--navy);cursor:pointer}.mobile-nav{display:none}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:13px 18px;border-radius:10px;font-weight:820;border:1px solid transparent;transition:.2s transform,.2s box-shadow,.2s background;cursor:pointer}.btn:hover{transform:translateY(-1px);box-shadow:0 8px 24px rgba(8,43,89,.14)}.btn-primary{background:linear-gradient(135deg,var(--blue),#0050a5);color:#fff}.btn-accent{background:linear-gradient(135deg,var(--orange),var(--orange2));color:#fff}.btn-outline{border-color:#2a69b5;color:var(--blue);background:#fff}.btn-ghost{background:#eef6ff;color:var(--blue)}.btn-small{padding:10px 14px;font-size:.84rem}.btn-full{width:100%}
.hero{background:linear-gradient(105deg,#edf8ff 0%,#fff 56%);overflow:hidden}.hero-grid{display:grid;grid-template-columns:1fr 1.03fr;min-height:525px}.hero-copy{padding:70px 28px 65px 0;display:flex;flex-direction:column;justify-content:center}.hero h1{max-width:650px}.hero-sub{font-size:1.34rem;color:#475467;margin:20px 0 0;max-width:590px}.hero-actions{display:flex;gap:13px;flex-wrap:wrap;margin-top:30px}.trust-line{display:flex;gap:12px;align-items:center;margin-top:26px;color:#354052;font-size:.92rem;max-width:590px}.trust-icon{width:42px;height:42px;display:grid;place-items:center;border-radius:50%;background:#dceeff;color:var(--blue);font-size:1.15rem}.hero-media{background-image:linear-gradient(90deg,rgba(255,255,255,.97) 0%,rgba(255,255,255,.27) 22%,rgba(255,255,255,0) 45%),url('assets/hero-family.jpg');background-size:cover;background-position:center}.hero-mini{padding:76px 0 64px;background:linear-gradient(120deg,#eef8ff,#fff 62%)}.hero-mini .lead{margin:16px 0 0}.hero-mini .hero-actions{margin-top:25px}.breadcrumbs{font-size:.82rem;color:var(--muted);margin-bottom:18px}.breadcrumbs a{color:var(--blue)}
.section-heading{margin-bottom:34px}.section-heading.centered{text-align:center;max-width:760px;margin:0 auto 36px}.section-heading p:last-child{color:var(--muted);margin:8px auto 0}.service-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:15px}.service-card{position:relative;border:1px solid var(--line);border-radius:16px;padding:25px 19px;background:#fff;box-shadow:var(--shadow2);transition:.2s transform,.2s border}.service-card:hover{transform:translateY(-3px);border-color:#b9d4ec}.service-icon{width:52px;height:52px;border-radius:13px;display:grid;place-items:center;background:#edf6ff;color:var(--blue);font-size:1.45rem;font-weight:850;margin-bottom:17px}.service-card h3{font-size:1.04rem;margin:0 0 10px}.service-card p{font-size:.89rem;color:var(--muted);min-height:68px}.service-card a{color:var(--blue);font-weight:800;font-size:.87rem}.why-grid{display:grid;grid-template-columns:.9fr 1.5fr;gap:55px;align-items:center}.why-items{display:grid;grid-template-columns:repeat(3,1fr);border:1px solid var(--line);border-radius:var(--radius);background:#fff;box-shadow:var(--shadow2)}.why-items>div{padding:28px 24px;text-align:center}.why-items>div+div{border-left:1px solid var(--line)}.why-items span{width:52px;height:52px;border-radius:50%;display:grid;place-items:center;background:var(--blue);color:#fff;margin:0 auto;font-size:1.2rem;font-weight:850}.why-items h3{font-size:1rem}.why-items p{font-size:.88rem;color:var(--muted)}
.steps{display:grid;grid-template-columns:1fr 44px 1fr 44px 1fr;gap:10px;align-items:center;text-align:center}.steps article{padding:20px}.step-number{display:inline-grid;place-items:center;width:31px;height:31px;border-radius:50%;background:var(--blue);color:#fff;font-weight:850}.step-icon{width:72px;height:72px;margin:13px auto;background:#eef7ff;color:var(--blue);display:grid;place-items:center;border-radius:50%;font-size:1.7rem}.steps h3{font-size:1rem;margin-bottom:8px}.steps p{font-size:.88rem;color:var(--muted)}.step-arrow{font-size:1.5rem;color:var(--blue)}
.split{display:grid;grid-template-columns:1.15fr .85fr;gap:50px;align-items:center}.info-card{border-radius:var(--radius);background:linear-gradient(145deg,var(--navy),#0b4c8a);padding:38px;color:#fff;box-shadow:var(--shadow)}.info-card h3{color:#fff;font-size:1.6rem;margin-top:0}.info-card .bigmark{font-size:2.15rem;font-weight:900;font-style:italic;color:#77c9ff}.info-card ul{list-style:none;padding:0;margin:25px 0 0}.info-card li{padding:10px 0 10px 27px;position:relative;border-top:1px solid rgba(255,255,255,.14)}.info-card li:before{content:'✓';position:absolute;left:0;color:#83ddac;font-weight:900}.pill-row{display:flex;gap:8px;flex-wrap:wrap;margin:22px 0}.pill{display:inline-flex;padding:7px 11px;border-radius:999px;background:#edf6ff;color:var(--blue);font-size:.78rem;font-weight:800}
.agent-card{display:grid;grid-template-columns:130px 1fr auto;gap:30px;align-items:center;padding:34px;border-radius:var(--radius);background:linear-gradient(110deg,#eef7ff,#fff);border:1px solid var(--line)}.agent-avatar{width:116px;height:116px;border-radius:50%;background:linear-gradient(145deg,var(--navy),var(--blue2));color:#fff;display:grid;place-items:center;font-size:2rem;font-weight:900;border:6px solid #fff;box-shadow:var(--shadow2)}.agent-copy h2{font-size:2rem;margin:0}.agent-title{margin:4px 0 12px;color:var(--navy);font-weight:750}.agent-tags{display:flex;gap:7px;flex-wrap:wrap}.agent-tags span{font-size:.73rem;background:#fff;border:1px solid var(--line);padding:6px 9px;border-radius:999px}.agent-actions{display:flex;flex-direction:column;gap:9px}
.quote-section{background:linear-gradient(125deg,var(--navy),#07569d);color:#fff}.quote-section h2{color:#fff}.quote-section .lead,.quote-section p{color:#dcecff}.quote-grid{display:grid;grid-template-columns:.82fr 1.18fr;gap:60px;align-items:start}.contact-box{display:grid;gap:10px;margin-top:26px}.contact-box a{font-size:1.05rem;font-weight:800}.quote-form{background:#fff;color:var(--ink);padding:28px;border-radius:var(--radius);box-shadow:0 24px 65px rgba(0,0,0,.17)}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}.quote-form label{display:grid;gap:6px;font-size:.79rem;font-weight:800;color:#344054;margin-bottom:14px}.quote-form input,.quote-form select,.quote-form textarea{width:100%;border:1px solid #cdd8e4;border-radius:9px;padding:12px 12px;background:#fff;color:var(--ink);outline:none}.quote-form input:focus,.quote-form select:focus,.quote-form textarea:focus{border-color:var(--blue);box-shadow:0 0 0 3px rgba(7,95,189,.10)}.consent{display:grid!important;grid-template-columns:18px 1fr!important;align-items:start;font-weight:500!important;line-height:1.45}.consent input{margin-top:3px;width:auto}.form-note{font-size:.72rem!important;color:#667085!important;margin-bottom:0}.form-success{display:none;margin-top:13px;padding:11px;border-radius:9px;background:#e9f8ef;color:#126437;font-weight:760}.form-success.show{display:block}
.faq-wrap{display:grid;grid-template-columns:.75fr 1.25fr;gap:55px}.faq-list details{border-bottom:1px solid var(--line);padding:18px 0}.faq-list summary{font-weight:800;color:var(--navy);cursor:pointer;list-style:none}.faq-list summary::-webkit-details-marker{display:none}.faq-list summary:after{content:'+';float:right;color:var(--blue);font-size:1.25rem}.faq-list details[open] summary:after{content:'−'}.faq-list p{color:var(--muted);margin-bottom:0}.cta-band{background:#0657ad;color:#fff;padding:31px 0}.cta-inner{display:flex;justify-content:space-between;align-items:center;gap:25px}.cta-inner div{display:grid}.cta-inner strong{font-size:1.45rem}.cta-inner span{color:#dcecff}
.card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.content-card{border:1px solid var(--line);border-radius:var(--radius);padding:28px;background:#fff;box-shadow:var(--shadow2)}.content-card h3{margin-top:0}.content-card p{color:var(--muted)}.checklist{list-style:none;padding:0}.checklist li{padding:9px 0 9px 28px;position:relative;border-bottom:1px solid #edf1f5}.checklist li:before{content:'✓';position:absolute;left:0;color:var(--green);font-weight:900}.number-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.number-card{padding:25px;border-radius:16px;background:#fff;border:1px solid var(--line)}.number-card b{display:block;font-size:1.8rem;color:var(--blue)}.comparison{width:100%;border-collapse:separate;border-spacing:0;border:1px solid var(--line);border-radius:16px;overflow:hidden}.comparison th,.comparison td{padding:15px 17px;border-bottom:1px solid var(--line);text-align:left}.comparison th{background:#f1f7fd;color:var(--navy)}.comparison tr:last-child td{border-bottom:0}.resource-list{display:grid;gap:14px}.resource{display:grid;grid-template-columns:56px 1fr auto;align-items:center;gap:16px;padding:18px;border:1px solid var(--line);border-radius:14px;background:#fff}.resource-icon{width:52px;height:52px;border-radius:13px;background:#edf6ff;color:var(--blue);display:grid;place-items:center;font-weight:900}.resource h3{margin:0 0 5px;font-size:1rem}.resource p{margin:0;color:var(--muted);font-size:.88rem}.resource a{color:var(--blue);font-weight:800}.callout{padding:24px;border-radius:16px;background:#fff7f0;border:1px solid #ffd9bd}.callout strong{color:#a84400}.bio-layout{display:grid;grid-template-columns:.8fr 1.2fr;gap:50px;align-items:start}.bio-panel{background:linear-gradient(145deg,var(--navy),#0b5da8);padding:34px;border-radius:var(--radius);color:#fff}.bio-panel h2,.bio-panel h3{color:#fff}.bio-panel p{color:#dcecff}.logo-wall{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}.logo-tile{min-height:95px;display:grid;place-items:center;border:1px solid var(--line);border-radius:14px;background:#fff;color:var(--navy);font-weight:850;text-align:center;padding:15px}
.finder{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);overflow:hidden}.finder-top{padding:24px 28px;border-bottom:1px solid var(--line);display:flex;justify-content:space-between;align-items:center}.finder-body{padding:28px}.choice-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:13px}.choice{border:1px solid var(--line);background:#fff;border-radius:14px;padding:20px;text-align:left;cursor:pointer;transition:.2s}.choice:hover,.choice.selected{border-color:var(--blue);box-shadow:0 0 0 3px rgba(7,95,189,.08)}.choice strong{display:block;color:var(--navy);margin-bottom:5px}.choice span{font-size:.83rem;color:var(--muted)}.finder-result{display:none;margin-top:18px;padding:20px;border-radius:14px;background:#eef7ff}.finder-result.show{display:block}.finder-result h3{margin:0 0 7px}
.wizard-shell{display:grid;grid-template-columns:.7fr 1.3fr;gap:40px;align-items:start}.wizard-side{position:sticky;top:110px}.wizard-progress{display:grid;gap:12px;margin-top:25px}.progress-item{display:flex;gap:10px;align-items:center;color:#8ca0b5}.progress-item span{width:29px;height:29px;border-radius:50%;display:grid;place-items:center;background:#e8eef5;font-weight:850}.progress-item.active{color:var(--navy);font-weight:800}.progress-item.active span,.progress-item.done span{background:var(--blue);color:#fff}.wizard-card{border:1px solid var(--line);border-radius:var(--radius);padding:34px;background:#fff;box-shadow:var(--shadow)}.wizard-step{display:none}.wizard-step.active{display:block}.wizard-step h2{font-size:2rem}.wizard-actions{display:flex;justify-content:space-between;gap:12px;margin-top:24px}.wizard-options{display:grid;grid-template-columns:1fr 1fr;gap:12px}.wizard-option{border:1px solid var(--line);border-radius:13px;padding:18px;cursor:pointer}.wizard-option input{margin-right:8px}.wizard-option:hover{border-color:#9dc0df}.wizard-field{display:grid;gap:6px;font-size:.82rem;font-weight:800;margin:0 0 15px}.wizard-field input,.wizard-field select,.wizard-field textarea{border:1px solid #cbd8e4;border-radius:9px;padding:12px}.wizard-note{font-size:.78rem;color:var(--muted)}
.site-footer{background:#071f3d;color:#d0deeb;padding:52px 0 22px}.footer-grid{display:grid;grid-template-columns:1.35fr .95fr .85fr 1.1fr;gap:35px}.footer-brand{color:#fff}.footer-grid h3{color:#fff;font-size:.9rem}.footer-grid>div{display:grid;align-content:start;gap:8px}.footer-grid p,.footer-grid span,.footer-grid a{font-size:.82rem}.footer-grid a:hover{color:#fff}.footer-bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:35px;padding-top:20px;display:flex;justify-content:space-between;gap:20px;font-size:.73rem;color:#8fa6bb}.mobile-actionbar{display:none}
@media(max-width:1040px){.main-nav{gap:14px;font-size:.83rem}.phone-link{display:none}.service-grid{grid-template-columns:repeat(3,1fr)}.why-grid,.split,.quote-grid,.faq-wrap,.bio-layout,.wizard-shell{grid-template-columns:1fr}.agent-card{grid-template-columns:110px 1fr}.agent-actions{grid-column:1/-1;flex-direction:row}.wizard-side{position:static}.footer-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:780px){.container{width:min(100% - 28px,var(--max))}.section{padding:56px 0}.nav-wrap{height:72px}.brand-mark{width:41px;height:41px}.brand strong{font-size:1.16rem}.brand small{font-size:.5rem}.main-nav,.nav-actions .btn,.lang-link{display:none}.nav-actions{margin-left:auto}.menu-btn{display:block}.mobile-nav.open{display:grid;padding:10px 14px 18px;border-top:1px solid var(--line);background:#fff}.mobile-nav a{padding:12px 4px;border-bottom:1px solid #edf1f5;font-weight:750}.mobile-nav .mobile-nav-actions{display:grid;grid-template-columns:1fr 1fr;gap:9px;margin-top:14px}.hero-grid{grid-template-columns:1fr;min-height:auto}.hero-copy{padding:55px 0 38px}.hero-media{min-height:290px;background-image:linear-gradient(180deg,rgba(255,255,255,.1),rgba(255,255,255,0)),url('assets/hero-family.jpg');background-position:center}.hero h1{font-size:clamp(2.6rem,13vw,4rem)}.hero-sub{font-size:1.16rem}.hero-actions .btn{flex:1 1 170px}.service-grid,.card-grid,.number-grid,.logo-wall{grid-template-columns:1fr 1fr}.why-items{grid-template-columns:1fr}.why-items>div+div{border-left:0;border-top:1px solid var(--line)}.steps{grid-template-columns:1fr}.step-arrow{transform:rotate(90deg)}.agent-card{grid-template-columns:1fr;text-align:center}.agent-avatar{margin:auto}.agent-tags{justify-content:center}.agent-actions{grid-column:auto;display:grid}.form-row,.wizard-options,.choice-grid{grid-template-columns:1fr}.cta-inner{display:grid;text-align:center}.cta-inner .btn{width:100%}.footer-grid{grid-template-columns:1fr}.footer-bottom{display:grid}.resource{grid-template-columns:48px 1fr}.resource>a{grid-column:2}.mobile-actionbar{display:grid;position:fixed;z-index:90;bottom:0;left:0;right:0;grid-template-columns:1fr 1fr 1.15fr;background:#fff;border-top:1px solid var(--line);box-shadow:0 -8px 30px rgba(8,43,89,.12);padding:8px}.mobile-actionbar a{display:grid;place-items:center;padding:9px 5px;font-size:.74rem;font-weight:820;color:var(--navy)}.mobile-actionbar a:last-child{background:var(--orange);color:#fff;border-radius:8px}.site-footer{padding-bottom:85px}}
@media(max-width:520px){.service-grid,.card-grid,.number-grid,.logo-wall{grid-template-columns:1fr}.hero-media{min-height:235px}.quote-form,.wizard-card{padding:22px 18px}.agent-card{padding:26px 18px}.resource{grid-template-columns:44px 1fr}.brand small{display:none}}

/* Build 03: production lead states */
.form-error{display:none;margin-top:13px;padding:11px;border-radius:9px;background:#fff0f0;color:#9b1c1c;font-weight:760;border:1px solid #ffd0d0}.form-error.show{display:block}
button:disabled{opacity:.7;cursor:wait;transform:none!important;box-shadow:none!important}
.honeypot{position:absolute!important;left:-10000px!important;width:1px!important;height:1px!important;overflow:hidden!important;opacity:0!important;pointer-events:none!important}

/* WIG EDITOR BRAND START */
:root{--wig-body-font:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;--wig-heading-font:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;--max:1500px}
body{font-family:var(--wig-body-font)}
h1,h2,h3,h4,h5,h6{font-family:var(--wig-heading-font)}
/* WIG EDITOR BRAND END */