:root{--navy:#173f5b;--blue:#1f5c88;--blue-dark:#154867;--ink:#1c2c35;--body:#52636d;--mist:#eaf0f3;--pale:#f7f8f6;--line:#ccd8de;--white:#fff;--success:#147a52;--heading:"Newsreader Variable", Georgia, serif;--sans:"DM Sans Variable", Arial, sans-serif;--shadow:0 20px 60px #173f5b21}*{box-sizing:border-box}html{scroll-behavior:smooth}body{background:var(--white);color:var(--ink);font-family:var(--sans);margin:0;font-size:16px;line-height:1.65}img{max-width:100%;display:block}a{color:inherit;text-underline-offset:.2em}button,input,select{font:inherit}button{cursor:pointer}:focus-visible{outline-offset:3px;outline:3px solid #e0a43e}.skip-link{z-index:200;background:var(--navy);color:#fff;padding:8px 12px;position:fixed;top:8px;left:8px;transform:translateY(-150%)}.skip-link:focus{transform:none}.container{width:min(1180px,100% - 44px);margin-inline:auto}.narrow{width:min(780px,100% - 44px);margin-inline:auto}h1,h2,h3{font-family:var(--heading);letter-spacing:-.025em;text-wrap:balance;margin:0;font-weight:600;line-height:1.05}h1{font-size:clamp(3.2rem,6vw,5.8rem)}h2{font-size:clamp(2.35rem,4.5vw,4rem)}h3{letter-spacing:-.01em;font-size:1.55rem}p{margin:0}.lede{max-width:760px;color:var(--body);font-size:clamp(1.08rem,1.5vw,1.24rem);line-height:1.62}.button{border:1px solid var(--blue);background:var(--blue);color:#fff;border-radius:7px;justify-content:center;align-items:center;gap:9px;min-height:50px;padding:11px 19px;font-weight:700;text-decoration:none;transition:background .18s,transform .18s;display:inline-flex}.button:hover{background:var(--blue-dark);transform:translateY(-1px)}.button--plain{border-color:var(--blue);color:var(--blue);background:0 0}.button--plain:hover{background:var(--mist);color:var(--blue-dark)}.button--light{color:var(--navy);background:#fff;border-color:#fff}.button--on-dark{color:#fff;border-color:#fff}.button--on-dark:hover{color:var(--navy);background:#fff}.section{padding-block:clamp(72px,8vw,110px)}.section--mist{background:var(--mist)}.section--pale{background:var(--pale)}.section-heading{gap:20px;max-width:820px;margin-bottom:42px;display:grid}.grid-3{grid-template-columns:repeat(3,1fr);gap:20px;display:grid}.card{border:1px solid var(--line);background:#fff;border-radius:9px;padding:29px}.card p{color:var(--body);margin-top:12px}.link-arrow{color:var(--blue);margin-top:18px;font-weight:700;display:inline-flex}.service-bar{background:var(--navy);color:#fff;text-align:center;padding:7px 20px;font-size:.75rem}.site-header{z-index:30;border-bottom:1px solid var(--line);background:#fffffffa;position:relative}.nav{align-items:center;gap:28px;min-height:78px;display:flex}.brand{color:var(--ink);gap:1px;margin-right:auto;line-height:1;text-decoration:none;display:grid}.brand__name{font-family:var(--heading);letter-spacing:-.035em;font-size:1.62rem;font-weight:700}.brand__name span{color:var(--blue)}.brand small{color:#556771;letter-spacing:.08em;text-transform:uppercase;font-size:.56rem;font-weight:700}.nav-links{align-items:center;gap:25px;display:flex}.nav-links a{font-size:.9rem;font-weight:600;text-decoration:none}.nav-links a:hover{color:var(--blue)}.nav-call{white-space:nowrap;font-weight:700;text-decoration:none}.menu-toggle{border:1px solid var(--line);color:var(--ink);background:#fff;border-radius:6px;padding:8px 10px;font-weight:700;display:none}.home-hero{background:var(--navy);align-items:end;min-height:690px;display:grid;position:relative;overflow:hidden}.home-hero__image{object-fit:cover;object-position:center 56%;width:100%;height:100%;position:absolute;inset:0}.home-hero:after{content:"";background:linear-gradient(90deg,#081925c7 0%,#08192566 48%,#08192514 80%);position:absolute;inset:0}.home-hero__inner{z-index:2;padding-bottom:72px;position:relative}.home-hero__panel{background:#fffffff5;border-radius:9px;max-width:680px;padding:clamp(34px,5vw,52px);box-shadow:0 20px 55px #07151e38}.home-hero__panel h1{font-size:clamp(3rem,5.25vw,5rem)}.home-hero__panel .lede{margin:22px 0 28px}.home-proof{color:#385261;flex-wrap:wrap;gap:10px 20px;margin-top:24px;font-size:.82rem;font-weight:700;display:flex}.home-proof span:before{color:var(--blue);content:"✓";margin-right:7px}.quote-band{background:var(--mist);padding:46px 0}.quote-card{background:#fff;border:1px solid #d5e0e5;border-radius:10px;padding:28px;box-shadow:0 12px 36px #18374b17}.quote-card__heading h2{font-size:2rem}.quote-card__heading p{color:var(--body);margin:8px 0 20px;font-size:.93rem}.quote-card form{display:grid}.form-grid{grid-template-columns:1fr 1fr;gap:13px;display:grid}.field{gap:5px;display:grid}.field--wide{grid-column:1/-1}.field label{color:#3c4e58;font-size:.76rem;font-weight:700}.field input,.field select{width:100%;min-height:44px;color:var(--ink);background:#fff;border:1px solid #b8c7cf;border-radius:5px;padding:9px 10px}.field input:focus,.field select:focus{border-color:var(--blue);outline:2px solid #1f5c8826}.consent{color:#64737b;align-items:flex-start;gap:8px;margin:15px 0;font-size:.72rem;line-height:1.4;display:flex}.consent input{flex:none;width:16px;height:16px;margin-top:2px}.form-submit{width:100%}.form-note{color:#6b7880;text-align:center;margin-top:9px;font-size:.69rem}.form-honeypot{clip:rect(0 0 0 0);white-space:nowrap;border:0;width:1px;height:1px;margin:-1px;padding:0;position:absolute;overflow:hidden}.form-status{color:#9b2c2c;text-align:center;min-height:1.4em;margin-top:9px;font-size:.78rem;font-weight:700}.form-submit:disabled{cursor:wait;opacity:.72}.quote-card--wide{grid-template-columns:.56fr 1.44fr;align-items:start;gap:34px;padding:34px;display:grid}.quote-card--wide .quote-card__heading p{margin-bottom:0}.quote-card--wide .form-grid{grid-template-columns:repeat(4,1fr)}.quote-card--wide .field--wide{grid-column:span 2}.trust-strip{border:1px solid var(--line);background:#fff;border-radius:9px;grid-template-columns:repeat(4,1fr);display:grid;overflow:hidden}.trust-strip div{border-right:1px solid var(--line);padding:22px}.trust-strip div:last-child{border-right:0}.trust-strip span{color:#6a7880;margin-bottom:4px;font-size:.72rem;display:block}.trust-strip strong{font-size:.96rem}.coverage-grid{grid-template-columns:1.1fr .9fr;align-items:start;gap:62px;display:grid}.coverage-list{border-top:1px solid var(--line);display:grid}.coverage-list>div{border-bottom:1px solid var(--line);padding:23px 0}.coverage-list strong{font-family:var(--heading);margin-bottom:5px;font-size:1.4rem;display:block}.coverage-list p{color:var(--body)}.story-card{background:var(--navy);color:#fff;border-radius:10px;overflow:hidden}.story-card img{object-fit:cover;width:100%;height:290px}.story-card__copy{padding:34px}.story-card__copy p{color:#dce7ed;margin:12px 0 22px}.business-card{min-height:255px}.business-card a{color:var(--blue);font-weight:700}.process-card{min-height:230px}.process-card strong{color:var(--blue);margin-bottom:25px;font-size:.9rem;display:block}.broker-feature{background:var(--navy);color:#fff;border-radius:10px;grid-template-columns:1fr 1fr;display:grid;overflow:hidden}.broker-feature__image{object-fit:cover;width:100%;height:100%;min-height:460px}.broker-feature__copy{align-content:center;gap:20px;padding:clamp(35px,6vw,70px);display:grid}.broker-feature__copy p{color:#d9e5eb}.broker-feature__actions{flex-wrap:wrap;gap:11px;display:flex}.faq-list{border-top:1px solid var(--line)}.faq-list details{border-bottom:1px solid var(--line)}.faq-list summary{cursor:pointer;justify-content:space-between;align-items:center;gap:30px;padding:22px 3px;font-weight:700;list-style:none;display:flex}.faq-list summary::-webkit-details-marker{display:none}.faq-list summary:after{color:var(--blue);content:"+";font-size:1.3rem}.faq-list details[open] summary:after{content:"−"}.faq-list details p{max-width:770px;color:var(--body);padding:0 36px 23px 3px}.page-hero{background:var(--mist);padding-block:clamp(70px,9vw,120px)}.page-hero h1{max-width:970px}.page-hero .lede{margin-top:24px}.content-layout{grid-template-columns:minmax(0,1fr) 370px;align-items:start;gap:clamp(48px,7vw,92px);display:grid}.content-sections{gap:55px;display:grid}.content-meta{color:#64737b;flex-wrap:wrap;gap:8px 20px;margin-bottom:-20px;font-size:.78rem;display:flex}.content-section{gap:16px;display:grid}.content-section h2{font-size:clamp(2.1rem,3.8vw,3.35rem)}.content-section p,.content-section li{color:var(--body)}.content-section ul{gap:8px;margin:2px 0 0;padding-left:20px;display:grid}.context-links{flex-wrap:wrap;gap:10px 22px;display:flex}.context-links a,.source-list a{color:var(--blue);font-weight:700}.source-list{border-top:1px solid var(--line);padding-top:32px}.review-card{border-left:5px solid var(--blue);background:var(--mist);gap:5px;padding:24px 26px;display:grid}.review-card span{color:#61727b;text-transform:uppercase;letter-spacing:.06em;font-size:.76rem;font-weight:700}.review-card strong{font-family:var(--heading);font-size:1.6rem}.review-card p{color:var(--body);font-size:.86rem}.review-card a{color:var(--blue);margin-top:5px;font-weight:700}.callout{background:var(--navy);color:#fff;border-radius:8px;padding:26px 28px;font-size:1.05rem}.sticky-quote{position:sticky;top:24px}.related{grid-template-columns:1fr 1fr;gap:12px;padding-top:10px;display:grid}.related h2{grid-column:1/-1;margin-bottom:6px;font-size:2.1rem}.related a{border:1px solid var(--line);color:var(--blue);border-radius:7px;justify-content:space-between;gap:10px;padding:16px;font-weight:700;text-decoration:none;display:flex}.related a:after{content:"→"}.about-feature{background:var(--navy);color:#fff;border-radius:10px;grid-template-columns:.95fr 1.05fr;display:grid;overflow:hidden}.about-feature__image{object-fit:cover;width:100%;height:100%;min-height:490px}.about-feature__copy{align-content:center;gap:20px;padding:clamp(36px,6vw,68px);display:grid}.about-feature__copy p{color:#d9e5eb}.broker-credentials{color:#d9e5eb;flex-wrap:wrap;gap:8px 16px;font-size:.82rem;font-weight:700;display:flex}.broker-credentials a{color:#fff}.quote-page-grid{grid-template-columns:.82fr 1fr;align-items:start;gap:clamp(42px,7vw,88px);display:grid}.quote-page-copy{gap:23px;display:grid}.quote-points{border-top:1px solid var(--line);gap:0;margin-top:12px;display:grid}.quote-point{border-bottom:1px solid var(--line);padding:18px 0}.quote-point strong{font-family:var(--heading);margin-bottom:4px;font-size:1.25rem;display:block}.quote-point p{color:var(--body)}.success-box{background:var(--mist);text-align:center;border-radius:10px;max-width:740px;margin:90px auto;padding:clamp(38px,7vw,76px)}.success-box p{color:var(--body);margin:23px 0 30px}.not-found{background:var(--mist);align-items:center;min-height:650px;padding-block:80px;display:grid}.not-found__grid{grid-template-columns:.7fr 1.3fr;align-items:center;gap:clamp(45px,8vw,110px);display:grid}.not-found__code{color:var(--navy);font-family:var(--heading);letter-spacing:-.08em;opacity:.14;font-size:clamp(9rem,22vw,18rem);font-weight:700;line-height:.7}.not-found__copy{gap:24px;display:grid}.not-found__actions{flex-wrap:wrap;gap:10px;display:flex}.site-footer{background:var(--navy);color:#fff;padding:72px 0 28px}.footer-main{grid-template-columns:1.45fr repeat(4,1fr);gap:45px;display:grid}.site-footer .brand,.site-footer .brand__name{color:#fff}.site-footer .brand__name span{color:#9fc4db}.site-footer .brand small{color:#b8cfdb}.footer-copy{color:#cbdbe3;max-width:350px;margin-top:19px;font-size:.88rem}.footer-address{color:#d9e6ec;margin-top:19px;font-size:.82rem;line-height:1.55}.footer-title{color:#a8c9da;margin-bottom:15px;font-size:.74rem;font-weight:700}.footer-links{gap:9px;display:grid}.footer-links a{color:#fff;font-size:.84rem;text-decoration:none}.footer-links a:hover{text-decoration:underline}.footer-cta{border:1px solid #5f8297;border-radius:9px;justify-content:space-between;align-items:center;gap:30px;margin-top:58px;padding:26px 30px;display:flex}.footer-cta h2{font-size:2rem}.footer-cta p{color:#c9dae3;margin-top:5px;font-size:.85rem}.footer-cta__actions{flex-wrap:wrap;gap:10px;display:flex}.footer-bottom{color:#afc7d3;border-top:1px solid #4b7188;justify-content:space-between;gap:30px;margin-top:34px;padding-top:24px;font-size:.71rem;display:flex}.footer-legal-links{flex-wrap:wrap;gap:16px;display:flex}.mobile-cta{display:none}@media (width<=1050px){.nav-links{border-bottom:1px solid var(--line);background:#fff;align-items:stretch;padding:20px 24px 26px;display:none;position:absolute;top:78px;left:0;right:0}.nav-links[data-open=true]{display:grid}.menu-toggle{display:block}.nav-call{display:none}.content-layout{grid-template-columns:1fr}.sticky-quote{max-width:680px;position:static}.quote-card--wide,.coverage-grid{grid-template-columns:1fr}.footer-main{grid-template-columns:1.5fr repeat(2,1fr)}}@media (width<=720px){body{font-size:15px}.container,.narrow{width:min(100% - 28px,1180px)}h1{font-size:clamp(2.85rem,13vw,4.3rem)}.service-bar{font-size:.66rem}.nav{gap:10px;min-height:69px}.nav-links{top:69px}.brand__name{font-size:1.25rem}.brand small{font-size:.47rem}.nav>.button{min-height:42px;padding:8px 11px;font-size:.78rem}.home-hero{min-height:660px}.home-hero__image{object-position:62% center}.home-hero__inner{padding-bottom:30px}.home-hero__panel{padding:30px 24px}.home-proof{gap:8px;display:grid}.form-grid,.quote-card--wide .form-grid,.grid-3,.trust-strip,.broker-feature,.about-feature,.quote-page-grid,.footer-main,.not-found__grid{grid-template-columns:1fr}.field--wide,.quote-card--wide .field--wide{grid-column:auto}.quote-card,.quote-card--wide{padding:22px}.trust-strip div{border-right:0;border-bottom:1px solid var(--line)}.trust-strip div:last-child{border-bottom:0}.story-card img{height:240px}.broker-feature__image,.about-feature__image{min-height:330px}.related{grid-template-columns:1fr}.related h2{grid-column:auto}.footer-main{gap:34px}.footer-cta,.footer-bottom,.footer-cta__actions{display:grid}.mobile-cta{z-index:50;border:1px solid var(--line);background:#fffffff5;border-radius:9px;grid-template-columns:1fr 1fr;gap:8px;padding:8px;display:grid;position:fixed;bottom:9px;left:9px;right:9px;box-shadow:0 8px 28px #173f5b2e}.mobile-cta .button{min-height:44px;padding:8px;font-size:.8rem}.site-footer{padding-bottom:104px}.not-found{min-height:620px}.not-found__code{margin-bottom:-20px;font-size:9rem}.not-found__actions{display:grid}}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,:before,:after{transition-duration:.01ms!important}}
