@charset "UTF-8";
:root{--navy:#071321;--text:#f8fafc;--muted:#bac6d5;--gold:#dfbe78;--gold-dark:#926b29;--line:#2a394b;--max:1240px;color-scheme:dark}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:30px}
body{margin:0;background:var(--navy);color:var(--text);font-family:Arial,Helvetica,sans-serif;font-size:16px;line-height:1.6}
a{color:inherit;text-decoration:none}
a,summary{-webkit-tap-highlight-color:transparent}
a:focus-visible,summary:focus-visible{outline:3px solid var(--gold-dark);outline-offset:6px}
h1,h2,h3,p{margin-top:0}
h1,h2,h3{font-weight:400;line-height:1.12}
p{color:var(--muted)}
.shell{width:min(var(--max),calc(100% - 96px));margin-inline:auto}
.section{padding-block:80px}
.eyebrow{font-size:12px;letter-spacing:.16em;font-weight:700;color:var(--gold);margin-bottom:24px}
.skip-link{position:fixed;top:-80px;left:12px;background:var(--gold);color:var(--navy);padding:12px;z-index:20}
.skip-link:focus{top:12px}
.preview-note{background:#142337;text-align:center;font-size:12px;padding:5px 16px;color:#d4deea}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:28px;min-height:98px}
.wordmark{display:inline-flex;align-items:center;gap:12px;flex-shrink:0}
.wordmark b{display:block;font-size:20px;font-weight:400;letter-spacing:.24em;line-height:1.3}
.wordmark small{display:block;font-size:12px;letter-spacing:.45em;line-height:1.5;color:var(--gold);text-align:center}
.header-inner nav{display:flex;align-items:center;gap:32px;font-size:14px}
.header-inner nav>a{padding:12px 0}
.header-inner nav .nav-contact{border:1px solid #927b50;padding:10px 22px;border-radius:6px}
.nav-contact span{margin-left:20px}
.header-inner nav a:hover{color:var(--gold)}
.hero{display:grid;grid-template-columns:1fr 1.15fr;gap:32px;align-items:center;padding-block:30px 70px}
.hero-copy{padding-block:22px}
.hero .eyebrow{display:flex;align-items:center;gap:13px}
.hero .eyebrow span{height:1px;width:26px;background:var(--gold)}
h1{font-size:clamp(52px,5.8vw,80px);letter-spacing:-.055em;line-height:1.02;margin-bottom:26px}
h1 em{font-family:Georgia,'Times New Roman',serif;font-weight:400;color:var(--gold);letter-spacing:-.04em}
.hero-intro{font-size:18px;max-width:420px;line-height:1.65;margin-bottom:28px}
.hero-actions{display:flex;align-items:center;flex-wrap:wrap;gap:20px}
.button{display:inline-flex;align-items:center;justify-content:center;gap:24px;padding:16px 24px;min-height:54px;font-size:15px;font-weight:700;border-radius:6px;transition:background .2s,transform .2s}
.button-gold{background:var(--gold);color:var(--navy)}
.button-gold:hover{background:#edcf91;transform:translateY(-2px)}
.hero-visual{margin:0;position:relative;min-width:0;overflow:hidden;border-radius:14px 72px 14px 14px;isolation:isolate;background:#122338;align-self:stretch;min-height:470px}
.hero-visual>img{display:block;width:100%;height:100%;position:absolute;inset:0;object-fit:cover;object-position:62% center}
.hero-visual::after{content:'';position:absolute;inset:50% 0 0;background:linear-gradient(transparent,rgba(4,13,24,.8));pointer-events:none}
.hero-visual figcaption{position:absolute;bottom:30px;left:30px;right:24px;z-index:1;font-size:15px;color:#ecf0f6;line-height:1.5}
.hero-visual figcaption strong{font-size:26px;font-family:Georgia,serif;font-weight:400;color:#fff}
.insurers{background:#fff;color:var(--navy);padding-block:30px 38px;border-bottom:1px solid #e3e7ed}
.insurers h2{text-align:center;font-size:13px;letter-spacing:.05em;color:#586577;margin-bottom:25px}
.insurer-list{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:22px 28px;list-style:none;margin:0;padding:0}
.insurer-list li{font-size:clamp(18px,1.8vw,23px);font-weight:600;color:#253a55}
.light-surface{background:#f4f6f9;color:var(--navy);color-scheme:light}
.light-surface p{color:#526176}
.light-surface .eyebrow{color:#856127}
h2{font-size:clamp(30px,3.4vw,44px);letter-spacing:-.04em}
.section-intro{margin-bottom:34px}
.section-intro .eyebrow{margin-bottom:16px}
.section-intro h2{margin-bottom:0}
.service-list{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}
.service-row{display:flex;flex-direction:column;padding:28px;background:#fff;border:1px solid #dfe5ed;border-radius:10px;transition:transform .2s,border-color .2s}
.service-row:hover{transform:translateY(-4px);border-color:#b99553}
.service-no{font-size:12px;letter-spacing:.09em;color:#856127;display:block;margin-bottom:32px}
.service-row h3{font-family:Georgia,'Times New Roman',serif;font-size:32px;letter-spacing:-.025em;margin-bottom:16px}
.service-row p{font-size:16px;line-height:1.6;margin-bottom:30px;min-height:52px}
.service-row>a{display:flex;justify-content:space-between;align-items:center;gap:12px;font-size:14px;font-weight:600;margin-top:auto;border-top:1px solid #dde3eb;padding-top:18px}
.service-row>a span{font-size:22px;color:#926b29}
.conditions-note{margin:26px 0 0;font-size:12px!important;max-width:880px;color:#637084!important}
.process-section{border-top:1px solid #273444;background:#0b1c2e}
.process-section .section{display:grid;grid-template-columns:.9fr 1.6fr;gap:64px;align-items:start}
.process-heading h2{margin-bottom:0;font-family:Georgia,'Times New Roman',serif;font-size:38px;letter-spacing:-.03em}
.process{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:28px}
.process li{border-top:1px solid #435166;padding-top:18px}
.process li>span{font-size:12px;color:var(--gold)}
.process h3{font-size:19px;margin-top:20px;margin-bottom:12px;font-weight:500}
.process p{font-size:16px;margin-bottom:0}
.faq{display:grid;grid-template-columns:1fr 1.4fr;gap:70px}
.faq-items{border-top:1px solid #cbd3dd}
details{border-bottom:1px solid #cbd3dd;padding-block:20px}
summary{position:relative;padding-right:32px;cursor:pointer;list-style:none;font-size:16px}
summary::-webkit-details-marker{display:none}
summary::after{content:'+';position:absolute;right:0;top:0;color:#856127;font-size:24px;line-height:1.2}
details[open] summary::after{content:'−'}
details p{font-size:16px;line-height:1.7;margin:18px 20px 0 0}
.contact-section{background:var(--gold);color:var(--navy);padding-block:64px}
.contact-inner{display:grid;grid-template-columns:.82fr 1.18fr;gap:64px;align-items:center}
.contact-section h2{font-size:clamp(34px,4vw,50px);margin:0;line-height:1.15}
.contact-heading{font-size:22px;color:var(--navy);font-weight:500;margin-bottom:18px}
.channel-pending{display:flex;justify-content:space-between;gap:20px;border-top:1px solid #b79a60;padding-block:12px;font-size:14px}
.channel-pending strong{font-weight:400;color:#35434d}
.contact-small{color:#35434d;font-size:12px;margin:16px 0 0}
.contact-intro{align-self:start;padding-top:34px}
.contact-intro .eyebrow{color:#6c4b17;margin-bottom:18px}
.contact-intro>p:not(.eyebrow){color:#23374b;max-width:440px;line-height:1.65;margin:22px 0 0}
.contact-card{background:#fff;color:var(--navy);border-radius:18px;padding:36px;box-shadow:0 22px 64px rgba(24,30,41,.16);color-scheme:light}
.contact-heading{margin-bottom:22px}
.quote-fields{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.quote-fields label{display:block;color:#243950;font-size:13px;font-weight:600}
.quote-fields label span,.quote-consent span{color:inherit}
.quote-fields input,.quote-fields select,.quote-fields textarea{display:block;width:100%;min-width:0;margin-top:7px;border:1px solid #a9b5c4;border-radius:7px;background:#fff;color:#071321;padding:13px 14px;font:400 15px/1.3 Arial,Helvetica,sans-serif}
.quote-fields textarea{resize:vertical}
.quote-fields input:disabled,.quote-fields select:disabled,.quote-fields textarea:disabled{background:#f1f3f6;color:#526174;cursor:not-allowed}
.quote-fields small{font-size:12px;font-weight:400;color:#526174}
.quote-fields input:focus-visible,.quote-fields select:focus-visible,.quote-fields textarea:focus-visible,.quote-consent input:focus-visible{outline:3px solid #bd8d36;outline-offset:2px}
.quote-fields .quote-field-full{grid-column:1 / -1}
.quote-trap{position:absolute!important;width:1px;height:1px;overflow:hidden;clip-path:inset(50%)}
.quote-consent{display:flex;align-items:flex-start;gap:10px;margin:22px 0 19px;font-size:12px;line-height:1.5;color:#354960;cursor:pointer}
.quote-consent input{flex:none;width:18px;height:18px;margin:1px 0 0;accent-color:#071321}
.quote-submit{width:100%;justify-content:center;border:0;cursor:pointer;padding:16px 22px}
.quote-submit:disabled{cursor:not-allowed;opacity:.55;transform:none}
.quote-status{min-height:24px;margin:12px 0 0;color:#374c61;font-size:13px;line-height:1.5}
.contact-other-channels{border-top:1px solid #d8dfe8;margin-top:22px;padding-top:12px}
.contact-other-channels .channel-pending{border-color:#e2e6ec}
footer{padding:38px 0 26px}
.footer-top{display:flex;justify-content:space-between;align-items:center;gap:28px;padding-bottom:28px}
.footer-top>a:last-child{font-size:14px}
.footer-legal{padding-top:24px;border-top:1px solid var(--line)}
.business-location{display:flex;flex-wrap:wrap;gap:.35rem .6rem;margin:0 0 1.2rem;font-size:13px;line-height:1.6;color:#d9e1ed}
.business-location a{color:#e4c983;text-underline-offset:3px}
.footer-legal p{font-size:12px;line-height:1.8;margin-bottom:12px;color:#a6b4c7}
.footer-legal .legal-review{color:var(--gold)}
@media(max-width:1050px){
  .shell{width:calc(100% - 64px)}
  .hero{gap:25px;grid-template-columns:1fr 1fr}
  .hero-visual{min-height:450px}
  .service-row{padding:23px}
  .service-row h3{font-size:29px}
  .process-section .section{grid-template-columns:1fr;gap:36px}
  .faq{gap:40px}
  .contact-inner{gap:40px}
}
@media(max-width:760px){
  .shell{width:calc(100% - 40px)}
  .header-inner{min-height:86px;gap:16px}
  .wordmark{gap:9px}
  .wordmark b{font-size:16px;letter-spacing:.19em}
  .header-inner nav>a:not(.nav-contact){display:none}
  .header-inner nav .nav-contact{font-size:14px;padding:9px 14px}
  .nav-contact span{margin-left:10px}
  .hero{grid-template-columns:1fr;padding-block:24px 40px;gap:32px}
  .hero-copy{padding:0}
  .hero h1{font-size:clamp(52px,12vw,76px)}
  .hero-intro{font-size:17px;line-height:1.6}
  .hero-visual{min-height:0;aspect-ratio:1.25;border-radius:10px 48px 10px 10px}
  .hero-visual figcaption{left:22px;bottom:20px}
  .hero-visual figcaption strong{font-size:23px}
  .section{padding-block:52px}
  .insurer-list{justify-content:center;gap:19px 28px}
  .insurer-list li{font-size:18px}
  .insurers{padding-block:26px}
  .insurers h2{font-size:14px;line-height:1.4;margin-bottom:20px}
  .service-list{grid-template-columns:1fr;gap:16px}
  .service-row{padding:25px}
  .service-no{margin-bottom:22px}
  .service-row h3{font-size:33px}
  .service-row h3 br{display:none}
  .service-row p{min-height:0;margin-bottom:24px}
  .process{grid-template-columns:1fr;gap:24px}
  .process li{display:grid;grid-template-columns:24px 1fr;gap:8px 18px;padding-top:20px}
  .process li>span{padding-top:3px}
  .process h3{margin:0;font-size:21px}
  .process p{grid-column:2}
  .process-heading h2{font-size:34px;max-width:330px}
  .faq{grid-template-columns:1fr;gap:14px}
  .faq .eyebrow{margin-bottom:16px}
  .contact-section{padding-block:48px}
  .contact-inner{grid-template-columns:1fr;gap:28px}
  .contact-section h2{font-size:clamp(31px,8.4vw,42px)}
  .footer-top{gap:20px}
}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.button,.service-row{transition:none}.button:hover,.service-row:hover{transform:none}}