:root{
  --navy:#071d2b;--navy-soft:#0d3342;--teal:#087f78;--teal-bright:#22a99e;
  --aqua:#dff4f1;--ice:#f5f9f9;--paper:#ffffff;--ink:#102d38;--muted:#5a7179;
  --line:#d9e5e6;--warm:#f3eee6;--focus:#d85d35;--shadow:0 24px 70px -46px rgba(5,39,51,.55);
  --radius-sm:14px;--radius-md:24px;--radius-lg:36px;--max:1200px;
  --font:-apple-system,BlinkMacSystemFont,"Segoe UI",Helvetica,Arial,sans-serif
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--ice);color:var(--ink);font-family:var(--font);font-size:16px;line-height:1.65;-webkit-font-smoothing:antialiased;overflow-x:hidden}
body.menu-open{overflow:hidden}
img{display:block;max-width:100%}
a{color:inherit}
button,input,select,textarea{font:inherit}
button,a{touch-action:manipulation}
h1,h2,h3,p{margin-top:0}
h1,h2,h3{line-height:1.08;letter-spacing:-.035em}
h1{font-size:clamp(3.25rem,6.4vw,6.9rem);font-weight:720}
h2{font-size:clamp(2.1rem,4vw,4rem);font-weight:700}
h3{font-size:1.2rem}
em{font-style:normal;color:var(--teal)}
.sr-only{position:absolute!important;width:1px!important;height:1px!important;padding:0!important;margin:-1px!important;overflow:hidden!important;clip:rect(0,0,0,0)!important;white-space:nowrap!important;border:0!important}
.skip-link{position:fixed;z-index:1000;top:10px;left:12px;padding:10px 14px;border-radius:10px;background:#fff;box-shadow:var(--shadow);transform:translateY(-150%);text-decoration:none;font-weight:700}
.skip-link:focus{transform:none}
:focus-visible{outline:3px solid var(--focus);outline-offset:3px}
.site-header{position:sticky;z-index:100;top:0;background:rgba(245,249,249,.92);border-bottom:1px solid rgba(217,229,230,.88);backdrop-filter:blur(18px)}
.header-shell{max-width:1400px;min-height:76px;margin:auto;padding:10px 28px;display:flex;align-items:center;gap:24px}
.brand{display:inline-flex;line-height:0;text-decoration:none}
.brand img{width:210px;height:auto}
.header-phone{margin-left:auto;color:var(--navy);font-size:.88rem;font-weight:750;text-decoration:none}
.header-phone:hover{color:var(--teal)}
.menu-toggle{display:none;width:44px;height:44px;padding:10px;border:0;border-radius:12px;background:var(--navy);cursor:pointer}
.menu-toggle span{display:block;width:22px;height:2px;margin:4px auto;background:#fff;transition:transform .2s,opacity .2s}
.menu-toggle[aria-expanded=true] span:nth-child(1){transform:translateY(6px) rotate(45deg)}
.menu-toggle[aria-expanded=true] span:nth-child(2){opacity:0}
.menu-toggle[aria-expanded=true] span:nth-child(3){transform:translateY(-6px) rotate(-45deg)}
.site-nav{border-top:1px solid rgba(217,229,230,.72)}
.nav-inner{max-width:1400px;min-height:48px;margin:auto;padding:0 22px;display:flex;align-items:center;justify-content:center;gap:2px}
.site-nav a{padding:10px 10px;border-radius:10px;color:#405b64;font-size:clamp(.68rem,.74vw,.8rem);font-weight:680;text-decoration:none;white-space:nowrap}
.site-nav a:hover,.site-nav a[aria-current=page]{color:var(--navy);background:#e7f1f0}
.site-nav .nav-quote{margin-left:8px;padding-inline:17px;background:var(--navy);color:#fff}
.site-nav .nav-quote:hover,.site-nav .nav-quote[aria-current=page]{background:var(--teal);color:#fff}
.breadcrumb{max-width:var(--max);margin:0 auto;padding:24px 28px 0;display:flex;gap:9px;color:var(--muted);font-size:.78rem}
.breadcrumb a{color:var(--teal);font-weight:700;text-decoration:none}
.page-hero{max-width:var(--max);min-height:640px;margin:0 auto;padding:72px 28px 76px;display:grid;grid-template-columns:minmax(0,1.02fr) minmax(390px,.98fr);align-items:center;gap:68px}
.hero-copy{max-width:680px}
.eyebrow{margin-bottom:18px;color:var(--teal);font-size:.73rem;font-weight:800;letter-spacing:.16em;text-transform:uppercase}
.hero-lede{max-width:660px;margin:25px 0 30px;color:var(--muted);font-size:clamp(1.08rem,1.5vw,1.28rem)}
.button-row{display:flex;flex-wrap:wrap;gap:12px;align-items:center}
.button{min-height:48px;padding:12px 21px;display:inline-flex;align-items:center;justify-content:center;border:1px solid transparent;border-radius:999px;font-weight:750;text-align:center;text-decoration:none;cursor:pointer;transition:transform .2s,background .2s,border-color .2s}
.button:hover{transform:translateY(-2px)}
.button.primary{background:var(--navy);color:#fff}
.button.primary:hover{background:var(--teal)}
.button.secondary{border-color:#aac0c3;background:transparent;color:var(--navy)}
.button.secondary:hover{border-color:var(--teal);background:#fff}
.button.light{background:#fff;color:var(--navy)}
.button.outline-light{border-color:rgba(255,255,255,.5);color:#fff}
.button.outline-light:hover{background:rgba(255,255,255,.1)}
.hero-media{height:560px;margin:0;overflow:hidden;border-radius:var(--radius-lg);background:#dce8e8;box-shadow:var(--shadow)}
.hero-media img{width:100%;height:100%;object-fit:cover}
.home-hero img{object-position:center}
.family-hero img{object-position:center 35%}
.self-hero img{object-position:center 42%}
.business-hero img{object-position:center}
.process-hero img{object-position:center}
.hero-art{position:relative;height:520px;overflow:hidden;border-radius:var(--radius-lg);background:linear-gradient(145deg,var(--navy),#0c5360);box-shadow:var(--shadow)}
.hero-art:before{content:"";position:absolute;inset:34px;border:1px solid rgba(255,255,255,.18);border-radius:28px}
.hero-art>div{position:absolute;left:58px;right:58px;top:50%;padding:36px;display:grid;gap:10px;transform:translateY(-50%);border:1px solid rgba(255,255,255,.2);border-radius:24px;background:rgba(255,255,255,.1);color:#fff;backdrop-filter:blur(12px)}
.hero-art small,.hero-art span{color:#b9dbdc}
.hero-art strong{font-size:clamp(1.6rem,3vw,2.8rem);line-height:1.05;letter-spacing:-.03em}
.hero-art-ring{position:absolute;width:220px;height:220px;right:-60px;bottom:-70px;border:1px solid rgba(255,255,255,.17);border-radius:50%;box-shadow:0 0 0 38px rgba(255,255,255,.04),0 0 0 76px rgba(255,255,255,.025)}
.hero-art-dot{position:absolute;width:18px;height:18px;right:70px;top:76px;border-radius:50%;background:#6ee0d4;box-shadow:0 0 0 14px rgba(110,224,212,.12)}
.trust-row{max-width:var(--max);margin:0 auto 30px;padding:0 28px 70px;display:grid;grid-template-columns:repeat(3,1fr);gap:1px}
.trust-row div{padding:25px 28px;border:1px solid var(--line);background:#fff}
.trust-row div:first-child{border-radius:var(--radius-md) 0 0 var(--radius-md)}
.trust-row div:last-child{border-radius:0 var(--radius-md) var(--radius-md) 0}
.trust-row strong,.trust-row span{display:block}
.trust-row span{margin-top:6px;color:var(--muted);font-size:.88rem}
.section{max-width:var(--max);margin:0 auto;padding:100px 28px}
.section-tint{max-width:none;padding-left:max(28px,calc((100vw - var(--max))/2 + 28px));padding-right:max(28px,calc((100vw - var(--max))/2 + 28px));background:#eaf4f3}
.section-heading{max-width:760px;margin-bottom:48px}
.section-heading p:last-child{color:var(--muted);font-size:1.05rem}
.split-intro{display:grid;grid-template-columns:.9fr 1.1fr;gap:100px;border-top:1px solid var(--line)}
.split-intro>div:last-child{max-width:640px;color:var(--muted);font-size:1.08rem}
.coverage-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:18px}
.coverage-card{position:relative;min-height:300px;padding:34px;display:flex;flex-direction:column;justify-content:flex-end;overflow:hidden;border:1px solid var(--line);border-radius:var(--radius-md);background:#fff;text-decoration:none;box-shadow:0 18px 55px -50px rgba(5,39,51,.6);transition:transform .22s,border-color .22s}
.coverage-card:hover{transform:translateY(-4px);border-color:#7cbab5}
.coverage-card.large{grid-row:span 2;min-height:618px;padding:46px;background:radial-gradient(circle at 80% 16%,rgba(34,169,158,.22),transparent 28%),linear-gradient(155deg,#fff,#f0f8f7)}
.coverage-card>span,.coverage-card div>span{position:absolute;top:28px;left:32px;color:var(--teal);font-size:.75rem;font-weight:800}
.coverage-card h3{font-size:clamp(1.65rem,3vw,2.8rem)}
.coverage-card p{max-width:480px;color:var(--muted)}
.coverage-card b{color:var(--teal);font-size:.88rem}
.image-card{min-height:300px;padding:0}
.image-card img{position:absolute;inset:0;width:48%;height:100%;object-fit:cover}
.image-card:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,transparent 25%,#fff 51%)}
.image-card div{position:relative;z-index:1;width:55%;margin-left:auto;padding:30px}
.image-card div>span{position:static;display:block;margin-bottom:36px}
.image-card h3{font-size:1.55rem}
.steps-grid{margin:0;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:14px;list-style:none}
.steps-grid li{min-height:280px;padding:30px;border-top:3px solid var(--teal);background:#fff}
.steps-grid span{color:var(--teal);font-size:.78rem;font-weight:800}
.steps-grid h3{margin-top:50px}
.steps-grid p{color:var(--muted);font-size:.92rem}
.advisor-feature{display:grid;grid-template-columns:.8fr 1.2fr;gap:80px;align-items:center;border-top:1px solid var(--line)}
.advisor-monogram{min-height:520px;display:grid;place-items:center;border-radius:var(--radius-lg);background:linear-gradient(145deg,var(--navy),#0c5a60)}
.advisor-monogram span{width:180px;height:180px;display:grid;place-items:center;border:1px solid rgba(255,255,255,.32);border-radius:50%;background:rgba(255,255,255,.08);color:#fff;font-size:3.2rem;font-weight:780}
.feature-list{margin:35px 0}
.feature-list>div{padding:22px 0;display:grid;grid-template-columns:190px 1fr;gap:26px;border-top:1px solid var(--line)}
.feature-list p{margin:0;color:var(--muted)}
.text-link{color:var(--teal);font-weight:800;text-decoration:none}
.text-link:hover{text-decoration:underline}
.education-band{max-width:none;padding-left:max(28px,calc((100vw - var(--max))/2 + 28px));padding-right:max(28px,calc((100vw - var(--max))/2 + 28px));background:var(--navy);color:#fff}
.education-band>div:first-child{max-width:700px}
.education-band>div:first-child p:last-child{color:#b8ced3}
.comparison-list{margin:55px 0;display:grid;grid-template-columns:repeat(3,1fr);gap:1px}
.comparison-list article{padding:32px;border:1px solid rgba(255,255,255,.13);background:rgba(255,255,255,.035)}
.comparison-list p{color:#b8ced3}
.education-band .text-link{color:#78e0d6}
.final-cta{max-width:var(--max);margin:80px auto;padding:62px;display:flex;justify-content:space-between;align-items:center;gap:50px;border-radius:var(--radius-lg);background:linear-gradient(135deg,#092334,#0c6765);color:#fff}
.final-cta>div:first-child{max-width:690px}
.final-cta h2{margin-bottom:14px}
.final-cta p:not(.eyebrow){margin-bottom:0;color:#c3d9dc}
.pathways{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.pathways article{padding:38px;border:1px solid #cfe0e0;border-radius:var(--radius-md);background:#fff}
.pathways article>span{display:inline-block;margin-bottom:30px;color:var(--teal);font-size:.75rem;font-weight:800;text-transform:uppercase;letter-spacing:.12em}
.pathways h2{font-size:1.75rem}
.plain-list,.checklist{padding:0;list-style:none}
.plain-list li,.checklist li{position:relative;padding:10px 0 10px 27px;border-top:1px solid var(--line)}
.plain-list li:before,.checklist li:before{content:"";position:absolute;left:4px;top:18px;width:8px;height:8px;border-radius:50%;background:var(--teal)}
.link-panels{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}
.link-panels a{padding:28px;display:flex;justify-content:space-between;gap:24px;border:1px solid var(--line);border-radius:var(--radius-sm);background:#fff;text-decoration:none}
.link-panels a:hover{border-color:#7cbab5}
.link-panels span{color:var(--teal)}
.detail-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.detail-grid article{min-height:260px;padding:30px;border:1px solid #cfe0e0;border-radius:var(--radius-md);background:#fff}
.detail-grid article>span{color:var(--teal);font-size:.76rem;font-weight:800}
.detail-grid h3{margin-top:48px}
.detail-grid p{color:var(--muted)}
.image-split{display:grid;grid-template-columns:1.1fr .9fr;gap:70px;align-items:center}
.image-split.reverse{grid-template-columns:.9fr 1.1fr}
.image-split figure{height:500px;margin:0;overflow:hidden;border-radius:var(--radius-lg);background:#dde7e7}
.image-split img{width:100%;height:100%;object-fit:cover}
.image-split>div p:not(.eyebrow){color:var(--muted)}
.decision-band{display:grid;grid-template-columns:1fr 1fr;gap:80px;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.decision-band>div:last-child{color:var(--muted);font-size:1.08rem}
.four-up{display:grid;grid-template-columns:repeat(4,1fr);gap:1px}
.four-up article{padding:30px;border:1px solid #cfe0e0;background:#fff}
.four-up p{margin-top:14px;color:var(--muted)}
.notice-section{padding-top:38px;padding-bottom:38px;display:grid;grid-template-columns:220px 1fr;gap:35px;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.notice-section strong{color:var(--teal)}
.notice-section p{margin:0;color:var(--muted)}
.timeline{margin:0;padding:0;list-style:none}
.timeline li{padding:58px 0;display:grid;grid-template-columns:100px 1fr;gap:40px;border-top:1px solid var(--line)}
.timeline li>span{width:72px;height:72px;display:grid;place-items:center;border-radius:50%;background:var(--navy);color:#fff;font-weight:800}
.timeline li>div{max-width:760px}
.timeline p:last-child{color:var(--muted);font-size:1.08rem}
.prepare-grid{display:grid;grid-template-columns:1fr 1fr;gap:80px}
.checklist{columns:2;column-gap:35px}
.checklist li{break-inside:avoid}
.about-layout{display:grid;grid-template-columns:.8fr 1.2fr;gap:90px;align-items:start}
.portrait-card{min-height:610px;padding:40px;display:flex;flex-direction:column;align-items:center;justify-content:center;border-radius:var(--radius-lg);background:linear-gradient(145deg,var(--navy),#0b5f60);color:#fff;text-align:center}
.portrait-initials{width:190px;height:190px;display:grid;place-items:center;border:1px solid rgba(255,255,255,.35);border-radius:50%;background:rgba(255,255,255,.08);font-size:3.4rem;font-weight:760}
.portrait-card p{margin:34px 0 0}
.portrait-card strong,.portrait-card span{display:block}
.portrait-card span{color:#c4dada}
.founder-story{margin:28px 0 34px;padding:26px 30px;border-left:3px solid var(--teal);border-radius:0 18px 18px 0;background:#eaf4f3}
.founder-story p{color:var(--muted)}
.founder-story p:last-child{margin-bottom:0}
.inline-links{display:flex;flex-direction:column}
.inline-links a{padding:15px 0;border-top:1px solid var(--line);color:var(--teal);font-weight:750;text-decoration:none}
.faq-layout{display:grid;grid-template-columns:330px 1fr;gap:90px;align-items:start}
.faq-intro{position:sticky;top:160px}
.faq-intro p:not(.eyebrow){color:var(--muted)}
.faq-item{border-top:1px solid var(--line)}
.faq-item:last-child{border-bottom:1px solid var(--line)}
.faq-item h2{margin:0}
.faq-trigger{width:100%;padding:25px 0;display:flex;justify-content:space-between;gap:30px;border:0;background:transparent;color:var(--ink);font-size:1.08rem;font-weight:720;text-align:left;cursor:pointer}
.faq-trigger i{font-style:normal;color:var(--teal);font-size:1.5rem;font-weight:400;transition:transform .2s}
.faq-trigger[aria-expanded=true] i{transform:rotate(45deg)}
.faq-panel{padding:0 48px 24px 0;color:var(--muted)}
.contact-layout{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.contact-card{min-height:330px;padding:36px;display:flex;flex-direction:column;justify-content:flex-end;border:1px solid var(--line);border-radius:var(--radius-md);background:#fff;text-decoration:none}
.contact-card.featured{grid-column:1/-1;min-height:280px;background:var(--navy);color:#fff}
.contact-card span{position:absolute;align-self:flex-start;top:auto;color:var(--teal);font-size:.72rem;font-weight:800;text-transform:uppercase;letter-spacing:.14em}
.contact-card h2{margin-top:auto;font-size:clamp(1.65rem,3vw,3rem);overflow-wrap:anywhere}
.contact-card p{max-width:640px;color:var(--muted)}
.contact-card.featured p{color:#bdd0d5}
.contact-card strong{color:var(--teal)}
.quote-layout{display:grid;grid-template-columns:320px 1fr;gap:70px;align-items:start}
.quote-aside{position:sticky;top:160px}
.quote-aside>p:not(.eyebrow){color:var(--muted)}
.privacy-note{margin:30px 0;padding:25px;border-radius:var(--radius-sm);background:#e8f3f2}
.privacy-note ul{margin-bottom:0;padding-left:20px}
.small-copy{font-size:.84rem;color:var(--muted)}
.quote-form{padding:42px;border:1px solid var(--line);border-radius:var(--radius-lg);background:#fff;box-shadow:var(--shadow)}
.quote-form fieldset{margin:0 0 42px;padding:0;border:0}
.quote-form legend{width:100%;margin-bottom:24px;padding-bottom:16px;border-bottom:1px solid var(--line);font-size:1.22rem;font-weight:750}
.quote-form legend span{width:32px;height:32px;margin-right:10px;display:inline-grid;place-items:center;border-radius:50%;background:var(--navy);color:#fff;font-size:.8rem}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.form-grid label{display:flex;flex-direction:column;gap:7px;font-size:.88rem;font-weight:700}
.form-grid b{color:var(--focus)}
.form-grid em{margin-left:5px;color:var(--muted);font-size:.72rem;font-style:normal;font-weight:500}
.form-grid input,.form-grid select,.form-grid textarea{width:100%;min-height:50px;padding:12px 14px;border:1px solid #b9ccce;border-radius:11px;background:#fff;color:var(--ink)}
.form-grid textarea{min-height:125px;resize:vertical}
.form-grid input:focus,.form-grid select:focus,.form-grid textarea:focus{border-color:var(--teal);outline:3px solid rgba(8,127,120,.15)}
.form-grid [aria-invalid=true]{border-color:#b23d2b}
.form-grid small,.consent-error{min-height:18px;color:#a33122;font-size:.75rem;font-weight:500}
.form-wide{grid-column:1/-1}
.consent{margin:4px 0 8px;display:grid;grid-template-columns:22px 1fr;gap:12px;color:#48636c;font-size:.78rem}
.consent input{width:20px;height:20px;margin-top:3px}
.form-legal{color:var(--muted);font-size:.78rem}
.form-legal a{color:var(--teal);font-weight:700}
.submit-button{min-width:190px;border:0}
.submit-button:disabled{cursor:wait;opacity:.68}
.submit-button i{display:none;width:16px;height:16px;margin-left:9px;border:2px solid rgba(255,255,255,.45);border-top-color:#fff;border-radius:50%;animation:spin .8s linear infinite}
.submit-button.is-loading i{display:block}
.form-status{margin-bottom:20px;border-radius:10px}
.form-status.error,.form-status.success{padding:13px 15px}
.form-status.error{background:#fff0ed;color:#8b2b1e}
.form-status.success{background:#e4f5ef;color:#135f4b}
.legal-hero{max-width:900px;margin:0 auto;padding:100px 28px 55px;text-align:center}
.legal-hero h1{font-size:clamp(2.8rem,5vw,5.2rem)}
.legal-hero p:last-child{color:var(--muted);font-size:.84rem}
.legal-page{max-width:860px;margin:0 auto;padding:20px 28px 110px}
.legal-page h2{margin:52px 0 14px;font-size:1.55rem;letter-spacing:-.02em}
.legal-page p{color:var(--muted)}
.legal-page a{color:var(--teal);font-weight:700}
.thank-you{max-width:760px;min-height:calc(100vh - 360px);margin:0 auto;padding:100px 28px;text-align:center}
.thank-you>.brand{margin-bottom:60px}
.thank-you>.brand img{width:260px}
.success-mark{width:74px;height:74px;margin:0 auto 24px;display:grid;place-items:center;border-radius:50%;background:#dff3ed;color:var(--teal);font-size:2rem;font-weight:800}
.thank-you h1{font-size:clamp(2.6rem,5.2vw,4.8rem)}
.thank-you>p{color:var(--muted);font-size:1.08rem}
.thank-you .button-row{justify-content:center;margin:32px 0}
.site-footer{margin-top:80px;padding:78px 28px 34px;background:var(--navy);color:#fff}
.footer-grid{max-width:var(--max);margin:auto;display:grid;grid-template-columns:1.6fr repeat(3,1fr);gap:60px}
.footer-brand .brand img{width:235px;filter:brightness(0) invert(1)}
.footer-brand p{max-width:380px;color:#b9cdd2}
.footer-grid h2{font-size:.82rem;letter-spacing:.08em;text-transform:uppercase}
.footer-grid>div>a:not(.brand){margin:11px 0;display:block;color:#b9cdd2;font-size:.87rem;text-decoration:none}
.footer-grid>div>a:hover{color:#fff}
.footer-fine{max-width:var(--max);margin:60px auto 0;padding-top:28px;border-top:1px solid rgba(255,255,255,.13)}
.footer-fine p{max-width:1050px;color:#9fb6bc;font-size:.75rem}
.mobile-actions{display:none}
@keyframes spin{to{transform:rotate(360deg)}}
@media(prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*:before,*:after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important}
}