@font-face{font-family:Newsreader;font-display:swap;font-style:normal;font-weight:200 800;src:url(/newsreader-normal.woff2) format("woff2")}@font-face{font-family:Newsreader;font-display:swap;font-style:italic;font-weight:200 800;src:url(/newsreader-italic.woff2) format("woff2")}@font-face{font-family:Manrope;font-display:swap;font-style:normal;font-weight:200 800;src:url(/manrope-normal.woff2) format("woff2")}:root{--navy-900:#071a2b;--navy-800:#0b2239;--navy-700:#12344f;--navy-600:#1a4968;--blue-950:#012a4a;--blue-900:#023856;--blue-800:#02406a;--blue-700:#0b4c73;--blue-500:#2a6f9e;--blue-400:#4a8fbf;--blue-100:#dce9f2;--accent-900:#023856;--accent-800:#02406a;--accent-700:#0b4c73;--accent-500:#2a6f9e;--mint-300:#8fdcc0;--mint-200:#bfeadb;--tint-200:#dce9f2;--tint-100:#f0f5f9;--ink:#16202b;--ink-2:#2b3a48;--gray-600:#4f5d68;--gray-500:#64707b;--gray-300:#b8c2ca;--gray-200:#dde3e7;--gray-100:#edf1f3;--canvas:#f6f8f9;--white:#fff;--serif:Newsreader,"Iowan Old Style",Georgia,serif;--sans:Manrope,"Helvetica Neue",Arial,sans-serif;--radius:18px;--radius-sm:12px;--pill:999px;--shadow-1:0 1px 2px #0b223908,0 4px 14px #0b22390a;--shadow-2:0 8px 24px #0b223914,0 2px 6px #0b22390a;--shadow-3:0 24px 60px #0b22391f,0 6px 16px #0b22390f;--ease:cubic-bezier(.2,.7,.2,1);--dur:.45s;--gutter:clamp(20px,6vw,88px);--section:clamp(64px,9vw,120px);--container:1240px;font-family:var(--sans);color:var(--ink);background:var(--canvas);-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:100px}body{margin:0;overflow-x:clip;font-size:16.5px;line-height:1.6}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}body.menu-open{overflow:hidden}img{max-width:100%;height:auto}a{color:inherit;text-underline-offset:4px;text-decoration-thickness:1px}button,input,select,textarea{font:inherit}a,button,summary{-webkit-tap-highlight-color:transparent}a:focus-visible,button:focus-visible,summary:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid var(--accent-500);outline-offset:3px;border-radius:4px}::selection{background:var(--tint-200);color:var(--navy-900)}.skip{position:absolute;top:-80px;left:16px;background:var(--white);color:var(--navy-800);padding:14px 18px;z-index:99;border-radius:var(--radius-sm);box-shadow:var(--shadow-2);font-weight:700}.skip:focus{top:12px}.preview{background:var(--blue-950);text-align:center;padding:8px 16px;font-size:12px;letter-spacing:.06em;text-transform:uppercase;color:var(--mint-200);font-weight:700}h1,h2,h3,h4{font-family:var(--serif);font-weight:500;color:var(--navy-900);margin:0 0 .5em;text-wrap:balance;letter-spacing:-.012em}h1{font-size:clamp(42px,6.2vw,84px);line-height:.98;font-variation-settings:"opsz" 72;letter-spacing:-.02em;margin:14px 0 22px;max-width:14ch}h2{font-size:clamp(32px,3.8vw,52px);line-height:1.04;font-variation-settings:"opsz" 60;max-width:22ch}h3{font-size:clamp(21px,1.6vw,24px);line-height:1.25;font-variation-settings:"opsz" 24}h4{font-size:18px}em,.accent{font-style:italic;font-weight:400}p{margin:0 0 1em;max-width:66ch;color:var(--ink-2)}p:last-child{margin-bottom:0}.lede{font-size:clamp(18px,1.4vw,21px);line-height:1.55;color:var(--gray-600)}.eyebrow{display:inline-flex;align-items:center;gap:10px;font-size:12.5px;font-weight:800;letter-spacing:.16em;text-transform:uppercase;color:var(--accent-800);margin:0 0 18px}.eyebrow:before{content:"";width:22px;height:2px;background:currentColor;border-radius:2px;opacity:.85}.section-head{max-width:760px;margin-bottom:clamp(30px,4vw,52px)}.section-head p{font-size:18px;color:var(--gray-600)}.section-head.center{margin-inline:auto;text-align:center}.section-head.center .eyebrow:before{display:none}.section-head.center h2{margin-inline:auto}section{padding:var(--section) var(--gutter);position:relative}section>*:not(.hero-grid):not(.full){max-width:var(--container);margin-left:auto;margin-right:auto}section>.grid,section>.split,section>.section-head,section>.tiles{max-width:var(--container)}.muted,.tinted{background:var(--tint-100)}.dark{background:var(--blue-900);color:#e6eef3}.dark h2,.dark h3,.dark h1{color:var(--white)}.dark p{color:#dfebf1}.dark .eyebrow{color:var(--mint-300)}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.grid.two{grid-template-columns:repeat(2,1fr)}.grid.four{grid-template-columns:repeat(4,1fr)}.split{display:grid;grid-template-columns:1.1fr .9fr;gap:clamp(36px,6vw,88px);align-items:start}.actions{display:flex;gap:12px;flex-wrap:wrap;margin:30px 0 0;align-items:center}.divider{height:1px;background:linear-gradient(90deg,transparent,var(--gray-200),transparent);max-width:var(--container);margin:0 auto}.button{--bg:var(--accent-800);--fg:var(--white);position:relative;display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:52px;padding:14px 24px;border-radius:var(--pill);background:var(--bg);color:var(--fg);text-decoration:none;font-size:15px;font-weight:700;letter-spacing:.005em;border:1.5px solid transparent;cursor:pointer;overflow:hidden;isolation:isolate;transition:transform .25s var(--ease),box-shadow .25s var(--ease),background-color .25s,border-color .25s,color .25s}.button:hover{transform:translateY(-1px);box-shadow:0 8px 20px #0b223926;background:var(--accent-700)}.button:active{transform:translateY(0)}.button .btn-arrow,.button svg:last-child{transition:transform .3s var(--ease)}.button:hover .btn-arrow,.button:hover svg:last-child{transform:translate(4px)}.button.light{--bg:var(--white);--fg:var(--navy-800)}.button.light:hover{background:var(--tint-100);box-shadow:0 10px 26px #0b223930}.button.outline{--bg:transparent;--fg:var(--white);border-color:#ffffff59}.button.outline:hover{background:#ffffff14;border-color:#ffffffa6;box-shadow:none}.button.ghost{--bg:transparent;--fg:var(--navy-800);border-color:var(--gray-300)}.button.ghost:hover{background:var(--white);border-color:var(--navy-700);box-shadow:var(--shadow-1)}.button.navy{--bg:var(--navy-800)}.button.navy:hover{background:var(--navy-700);box-shadow:0 10px 26px #0b223940}.dark .button:not(.outline),.hero .button:not(.outline),.review-card .button:not(.outline),.card.navy .button,.cta .button:not(.outline),.biz-row .button:not(.outline){--bg:var(--white);--fg:var(--accent-800)}.dark .button:not(.outline):hover,.hero .button:not(.outline):hover,.review-card .button:not(.outline):hover,.cta .button:not(.outline):hover{background:var(--tint-100);box-shadow:0 8px 20px #0003}.button.small{min-height:42px;padding:9px 18px;font-size:14px}.button.block{width:100%}.textlink{display:inline-flex;align-items:center;gap:8px;font-weight:700;color:var(--accent-800);text-decoration:none;border-bottom:1.5px solid transparent;transition:border-color .2s,gap .25s var(--ease)}.textlink:hover{border-color:currentColor;gap:12px}.menu{position:relative}.menu-btn,.nav-link{position:relative;display:inline-flex;align-items:center;gap:6px;padding:10px 13px;background:none;border:0;cursor:pointer;text-decoration:none;font-size:14.5px;font-weight:700;color:var(--ink-2);border-radius:10px;transition:color .2s,background-color .2s}.menu-btn:after,.nav-link:after{content:"";position:absolute;left:13px;right:13px;bottom:6px;height:2px;background:var(--accent-700);border-radius:2px;transform:scaleX(0);transform-origin:left;transition:transform .3s var(--ease)}.menu-btn:hover,.nav-link:hover,.menu.open .menu-btn,.menu-btn.active,.nav-link[aria-current=page]{color:var(--navy-900)}.menu-btn.active:after,.nav-link[aria-current=page]:after,.menu.open .menu-btn:after{transform:scaleX(1)}.menu-btn .chev{transform:rotate(90deg);transition:transform .3s var(--ease);opacity:.6}.menu.open .menu-btn .chev{transform:rotate(-90deg)}.panel{position:absolute;top:calc(100% + 10px);left:0;min-width:380px;background:#fffffff7;backdrop-filter:blur(18px);-webkit-backdrop-filter:blur(18px);border:1px solid var(--gray-200);border-radius:20px;box-shadow:var(--shadow-3);padding:14px;opacity:0;visibility:hidden;transform:translateY(8px) scale(.98);transform-origin:top left;transition:opacity .25s var(--ease),transform .25s var(--ease),visibility 0s .25s;z-index:50}.panel:before{content:"";position:absolute;top:-10px;left:0;right:0;height:10px}.menu.open .panel{opacity:1;visibility:visible;transform:none;transition-delay:0s}.panel.wide{min-width:680px}.panel.right{left:auto;right:0;transform-origin:top right}.panel-grid{display:grid;gap:4px}.panel-grid.two{grid-template-columns:1fr 1fr}.panel-grid.three{grid-template-columns:repeat(3,1fr);gap:2px;margin-top:8px;padding-top:8px;border-top:1px solid var(--gray-100)}.panel-link,.panel-lead{display:flex;gap:12px;align-items:flex-start;padding:11px 12px;border-radius:12px;text-decoration:none;color:var(--ink);transition:background-color .2s,transform .2s var(--ease)}.panel-link:hover,.panel-lead:hover{background:var(--tint-100);transform:translate(2px)}.panel-link[aria-current=page]{background:var(--tint-200)}.panel-link strong,.panel-lead strong{display:block;font-size:14.5px;font-weight:700;color:var(--navy-900)}.panel-link small,.panel-lead small{display:block;font-size:12.5px;color:var(--gray-500);margin-top:2px;line-height:1.4}.panel-link.compact{padding:8px 12px}.panel-link.compact strong{font-weight:600;font-size:14px}.panel-lead{background:var(--tint-100);border:1px solid var(--mint-200)}.panel-icon{flex:none;width:36px;height:36px;border-radius:10px;display:grid;place-items:center;background:var(--tint-200);color:var(--accent-800)}.panel-cols{display:grid;grid-template-columns:1.3fr 1fr;gap:6px 16px;margin-top:8px;padding-top:8px;border-top:1px solid var(--gray-100)}.panel-h{font-size:11px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--gray-500);margin:6px 12px 4px}.panel-foot{display:flex;flex-wrap:wrap;gap:6px 18px;margin-top:10px;padding:12px 12px 4px;border-top:1px solid var(--gray-100)}.panel-foot a{display:inline-flex;align-items:center;gap:6px;font-size:13.5px;font-weight:800;color:var(--accent-800);text-decoration:none}.panel-foot a:hover{gap:10px}.panel-foot a svg{transition:transform .2s}.mobile-menu details{border-bottom:1px solid var(--gray-100)}.mobile-menu summary{list-style:none;display:flex;justify-content:space-between;align-items:center;padding:16px 4px;font-size:12.5px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--accent-800);cursor:pointer}.mobile-menu summary::-webkit-details-marker{display:none}.mobile-menu summary:after{content:"+";font-size:20px;color:var(--gray-500)}.mobile-menu details[open] summary:after{content:"–"}.mobile-menu details a{border:0;padding:12px 4px 12px 8px;font-size:17px}header#site-header{position:sticky;top:0;z-index:40;background:#ffffffeb;backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);border-bottom:1px solid #0b223912;transition:box-shadow .3s,background-color .3s}header#site-header.scrolled{box-shadow:0 6px 24px #0b22391a;background:#fffffff0}.header-inner{max-width:1360px;margin:0 auto;padding:12px var(--gutter);display:flex;align-items:center;gap:28px;transition:padding .3s var(--ease)}header.scrolled .header-inner{padding-block:8px}.brand{display:flex;gap:12px;align-items:center;text-decoration:none;flex-shrink:0;color:var(--navy-900)}.brand svg{flex:none;color:var(--accent-800);transition:transform .35s var(--ease)}.brand:hover svg{transform:translateY(-2px)}.brand-text{display:flex;flex-direction:column;line-height:1.05}.brand-text strong{font-family:var(--serif);font-weight:600;font-size:21px;letter-spacing:-.01em;font-variation-settings:"opsz" 24}.brand-text span{font-size:11.5px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--accent-800);margin-top:3px}.primary-nav{display:flex;gap:4px;margin-left:auto}.primary-nav a{position:relative;padding:10px 13px;text-decoration:none;font-size:14.5px;font-weight:700;color:var(--ink-2);border-radius:10px;transition:color .2s,background-color .2s}.primary-nav a:after{content:"";position:absolute;left:13px;right:13px;bottom:6px;height:2px;background:var(--accent-700);border-radius:2px;transform:scaleX(0);transform-origin:left;transition:transform .3s var(--ease)}.primary-nav a:hover,.primary-nav a[aria-current=page]{color:var(--navy-900)}.primary-nav a:hover:after,.primary-nav a[aria-current=page]:after{transform:scaleX(1)}.header-actions{display:flex;align-items:center;gap:14px;flex-shrink:0}.phone{display:inline-flex;align-items:center;gap:8px;font-weight:800;font-size:15px;text-decoration:none;color:var(--navy-800);padding:8px 6px;transition:color .2s}.phone:hover{color:var(--accent-800)}.menu-toggle{display:none;width:46px;height:46px;border:1.5px solid var(--gray-200);background:var(--white);border-radius:12px;padding:0;cursor:pointer;flex-direction:column;align-items:center;justify-content:center;gap:5px}.menu-toggle span{display:block;width:20px;height:2px;background:var(--navy-800);border-radius:2px;transition:transform .3s var(--ease),opacity .2s}.menu-toggle[aria-expanded=true] span:nth-child(1){transform:translateY(7px) rotate(45deg)}.menu-toggle[aria-expanded=true] span:nth-child(2){opacity:0}.menu-toggle[aria-expanded=true] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}.mobile-menu{position:fixed;inset:0;top:var(--header-h,72px);background:var(--white);z-index:39;overflow:auto;padding:12px var(--gutter) 40px;animation:menuIn .3s var(--ease)}.mobile-menu nav{display:grid}.mobile-menu nav a{display:flex;align-items:center;gap:14px;padding:16px 4px;font-size:18px;font-weight:700;text-decoration:none;border-bottom:1px solid var(--gray-100);color:var(--navy-900)}.mobile-menu details a:hover{background:var(--tint-100);border-radius:8px}.mobile-menu nav a svg{color:var(--accent-800)}.mobile-menu-cta{display:grid;gap:10px;margin-top:22px}@keyframes menuIn{0%{opacity:0;transform:translateY(-8px)}to{opacity:1;transform:none}}.hero{--hero-pad:clamp(72px,10vw,132px);position:relative;overflow:hidden;color:var(--white);background:var(--blue-800);padding-top:var(--hero-pad);padding-bottom:calc(var(--hero-pad) * .85);isolation:isolate}.hero-mark{display:none}.hero h1,.hero h2{color:var(--white)}.hero h1 em{color:var(--mint-300);font-weight:400}.hero p{color:#dfebf1;max-width:56ch}.hero .lede{color:#e6f0f5;font-size:clamp(18px,1.5vw,21px)}.hero .eyebrow{color:var(--mint-200);display:inline-flex;max-width:100%;align-items:flex-start;line-height:1.5;font-size:11.5px;padding:8px 14px 8px 12px;border:1px solid #c9d9e640;border-radius:var(--pill)}.hero .eyebrow:before{display:none}.hero-grid{display:grid;grid-template-columns:1.35fr .9fr;gap:clamp(36px,6vw,80px);align-items:center;max-width:var(--container);margin:0 auto}.hero .actions{margin-top:34px}.hero .fine{font-size:13.5px;color:#a8bfcc;margin-top:22px;display:flex;gap:8px;align-items:center}.hero-strip{display:flex;flex-wrap:wrap;gap:10px 28px;margin-top:40px;padding-top:26px;border-top:1px solid #ffffff2a;font-size:14px;color:#dfebf1}.hero-strip span{display:inline-flex;gap:8px;align-items:center}.hero-strip svg{color:var(--mint-300)}.feature{position:relative;padding:clamp(26px,3vw,38px);border-radius:20px;background:var(--blue-700);border:1px solid #6b95ad;box-shadow:0 16px 48px #001e3433;overflow:hidden}.hero .feature .button{--bg:var(--white);--fg:var(--blue-800)}.hero .feature .button:hover{background:var(--tint-100)}.feature h2{font-size:clamp(26px,2.4vw,34px);color:var(--white);margin-top:14px}.feature p{font-size:16px;color:#dfebf1}.feature .number{display:inline-flex;align-items:center;gap:8px;font-size:11.5px;font-weight:800;letter-spacing:.16em;color:var(--mint-300);text-transform:uppercase}.feature .button{margin-top:22px}.feature-icon{width:52px;height:52px;border-radius:14px;display:grid;place-items:center;background:#ffffff14;border:1px solid #ffffff2b;color:var(--mint-200);margin-bottom:6px}.hero.compact{--hero-pad:clamp(56px,7vw,92px)}.hero.compact h1{font-size:clamp(38px,5vw,66px)}.hero .crumb{display:inline-flex;align-items:center;gap:8px;color:#dfebf1;text-decoration:none;font-size:14px;font-weight:700;margin-bottom:8px}.hero .crumb:hover{color:var(--white)}.card,.tile{position:relative;background:var(--white);padding:30px 28px;border:1px solid var(--gray-200);border-radius:var(--radius);text-decoration:none;display:flex;flex-direction:column;gap:12px;box-shadow:var(--shadow-1);transition:transform .35s var(--ease),box-shadow .35s var(--ease),border-color .35s;overflow:hidden;color:var(--ink)}.card:before,.tile:before{content:"";position:absolute;inset:0 0 auto;height:3px;background:var(--accent-700);transform:scaleX(0);transform-origin:left;transition:transform .45s var(--ease)}a.card:hover,a.tile:hover,.card.hoverable:hover{transform:translateY(-6px);box-shadow:var(--shadow-3);border-color:#c9d9e6}a.card:hover:before,a.tile:hover:before,.card.hoverable:hover:before{transform:scaleX(1)}.card h3,.tile h3{margin:0}.card p,.tile p{font-size:15.5px;color:var(--gray-600);margin:0}.card .arrow,.tile .arrow{margin-top:auto;padding-top:10px;display:inline-flex;align-items:center;gap:8px;font-size:14px;font-weight:800;color:var(--accent-800)}.card .arrow svg,.tile .arrow svg{transition:transform .3s var(--ease)}a.card:hover .arrow svg,a.tile:hover .arrow svg{transform:translate(5px)}.icon-badge{width:52px;height:52px;border-radius:14px;display:grid;place-items:center;background:var(--tint-200);color:var(--accent-800);transition:background-color .3s,color .3s}a.card:hover .icon-badge,a.tile:hover .icon-badge{background:var(--accent-800);color:var(--white)}.card.muted,.tile.muted{background:var(--tint-100);border-style:dashed}.card.navy{background:var(--blue-800);border-color:transparent;color:var(--white)}.card.navy h3{color:var(--white)}.card.navy p{color:#dfebf1}.card.navy .arrow{color:var(--mint-300)}.card.navy .icon-badge{background:#ffffff14;border-color:#ffffff2b;color:var(--mint-300)}article.card{cursor:default}.plain{padding:0;border:0;box-shadow:none;background:transparent}.feature-row{display:grid;grid-template-columns:auto 1fr;gap:18px;align-items:start;padding:22px 0;border-top:1px solid var(--gray-200)}.feature-row:last-child{border-bottom:1px solid var(--gray-200)}.feature-row h3{font-size:20px;margin-bottom:4px}.feature-row p{font-size:15.5px;color:var(--gray-600)}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;counter-reset:steps;position:relative}.steps>*{position:relative;padding:28px 26px 26px;background:var(--white);border:1px solid var(--gray-200);border-radius:var(--radius);box-shadow:var(--shadow-1)}.steps>*:before{counter-increment:steps;content:counter(steps,decimal-leading-zero);font-family:var(--serif);font-style:italic;font-size:54px;line-height:1;color:var(--accent-700);opacity:.9;display:block;margin-bottom:14px;font-variation-settings:"opsz" 72}.steps h3{margin-bottom:6px}.steps p{font-size:15.5px;color:var(--gray-600);margin:0}.steps>*:after{content:"";position:absolute;top:50px;right:-22px;width:22px;height:1px;background:var(--gray-300)}.steps>*:last-child:after{display:none}.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.split .stats{grid-template-columns:repeat(2,1fr)}.stat{padding:26px 24px;border-radius:var(--radius);background:var(--white);border:1px solid var(--gray-200);box-shadow:var(--shadow-1)}.stat strong{display:block;font-family:var(--serif);font-size:clamp(38px,3.6vw,52px);line-height:1;color:var(--navy-900);font-variation-settings:"opsz" 72;letter-spacing:-.02em}.stat>span{display:block;margin-top:10px;font-size:14px;font-weight:700;color:var(--gray-600);letter-spacing:.02em;line-height:1.4}.dark .stat{background:#ffffff0d;border-color:#ffffff1f}.dark .stat strong{color:var(--white)}.dark .stat>span{color:#c9d7e0}.carriers{padding:34px var(--gutter);background:var(--white);border-block:1px solid var(--gray-200)}.carriers-inner{max-width:var(--container);margin:0 auto;display:grid;grid-template-columns:auto 1fr auto;gap:28px;align-items:center}.carriers .label{font-size:12px;font-weight:800;letter-spacing:.16em;text-transform:uppercase;color:var(--gray-500);white-space:nowrap;padding-right:28px;border-right:1px solid var(--gray-200)}.marquee{overflow:hidden;mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent);-webkit-mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent)}.marquee-track{display:flex;gap:56px;width:max-content;animation:marquee 34s linear infinite}.marquee:hover .marquee-track{animation-play-state:paused}.marquee-track span{font-family:var(--serif);font-size:23px;font-weight:500;color:var(--navy-700);white-space:nowrap;letter-spacing:-.01em;display:inline-flex;align-items:center;gap:56px;font-variation-settings:"opsz" 24}.marquee-track span:after{content:"";width:5px;height:5px;border-radius:50%;background:var(--mint-300)}@keyframes marquee{to{transform:translate(-50%)}}.carrier-list{display:flex;flex-wrap:wrap;gap:12px}.carrier-list span{padding:10px 16px;border:1px solid var(--gray-200);border-radius:var(--pill);font-weight:700;font-size:14.5px;background:var(--white)}.agent-card{display:grid;grid-template-columns:auto 1fr;gap:22px;align-items:center;padding:28px;background:var(--white);border:1px solid var(--gray-200);border-radius:24px;box-shadow:var(--shadow-2)}.avatar{width:88px;height:88px;border-radius:50%;display:grid;place-items:center;background:var(--blue-800);color:var(--mint-300);font-family:var(--serif);font-size:34px;font-weight:500;letter-spacing:-.02em;box-shadow:inset 0 0 0 4px var(--white),0 0 0 1px var(--gray-200)}.agent-card h3{margin:0 0 2px}.agent-card .role{font-size:13px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--accent-800)}.agent-card .contact{display:grid;gap:6px;margin-top:12px;font-size:15px}.agent-card .contact a,.agent-card .contact span{display:inline-flex;align-items:center;gap:10px;text-decoration:none;font-weight:600;color:var(--ink-2)}.agent-card .contact svg{color:var(--accent-700)}.agent-card .contact a:hover{color:var(--accent-800)}.note{padding:18px 22px;border-left:3px solid var(--accent-700);background:var(--tint-100);border-radius:0 var(--radius-sm) var(--radius-sm) 0;line-height:1.65;font-size:15px;color:var(--ink-2)}.coverage-list{padding:0;margin:0;list-style:none;display:grid;gap:0}.coverage-list li{display:flex;gap:14px;align-items:flex-start;border-bottom:1px solid var(--gray-200);padding:16px 0;font-weight:600;color:var(--ink)}.coverage-list li:before{content:"";flex:none;width:24px;height:24px;border-radius:50%;background:var(--tint-200) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2302406a' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7'/%3E%3C/svg%3E") center/14px no-repeat;margin-top:1px}.review-card{padding:32px;background:var(--blue-800);color:var(--white);border-radius:24px;align-self:start;position:sticky;top:110px;box-shadow:var(--shadow-2);overflow:hidden}.review-card h2{color:var(--white);font-size:30px}.review-card p{color:#dfebf1}.review-card .eyebrow{color:var(--mint-300)}.review-card .hint{color:#a8bfcc}.editorial-grid{display:grid;grid-template-columns:1fr 1fr;gap:26px}.editorial-grid article{padding:30px;background:var(--white);border:1px solid var(--gray-200);border-radius:var(--radius);box-shadow:var(--shadow-1)}.editorial-grid h2{font-size:26px;margin-bottom:10px}.editorial-grid p{font-size:15.5px;color:var(--gray-600)}.faq{max-width:900px}.faq details{border-bottom:1px solid var(--gray-200)}.faq summary{list-style:none;display:flex;justify-content:space-between;gap:20px;align-items:center;font-family:var(--serif);font-size:22px;font-weight:500;cursor:pointer;padding:22px 0;min-height:30px;color:var(--navy-900)}.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:"+";flex:none;width:34px;height:34px;border-radius:50%;border:1px solid var(--gray-300);display:grid;place-items:center;font-family:var(--sans);font-size:20px;color:var(--accent-800);transition:transform .3s var(--ease),background-color .2s}.faq details[open] summary:after{transform:rotate(45deg);background:var(--tint-200)}.faq details p{color:var(--ink-2);padding-bottom:22px;margin:0}.faq .note{margin-top:30px}.hint{font-size:14px;color:var(--gray-500)}.contact-identity{border-left:4px solid var(--accent-700);padding-left:24px}.legal-content{max-width:860px!important}.tool-panel label{display:grid;gap:8px;margin:14px 0}.tool-panel input,.tool-panel select{padding:12px 14px;border:1.5px solid var(--gray-300);border-radius:10px;width:100%;min-height:48px;background:var(--white);transition:border-color .2s,box-shadow .2s}.tool-panel input:focus,.tool-panel select:focus{border-color:var(--accent-700);box-shadow:0 0 0 4px #2a6f9e22;outline:0}.tool-panel button{padding:12px 22px;background:var(--navy-800);color:#fff;border:0;border-radius:var(--pill);min-height:48px;font-weight:700;cursor:pointer}.tool-panel button:hover{background:var(--navy-700)}.tool-result{margin-top:25px;background:var(--tint-100);padding:22px;border-radius:var(--radius-sm);border:1px solid #c9d9e6}.tool-result dl>div{display:flex;justify-content:space-between;gap:16px;padding:8px 0;border-bottom:1px solid #c9d9e680}.tool-error{color:#a52821;padding:15px}.tool-disclaimer{font-size:14px}.funnel-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}.span2{grid-column:1/-1}.tool-panel{max-width:900px}.proration-modes{display:flex;flex-wrap:wrap;gap:10px}.proration-modes button{flex:1}.proration-modes small{display:block}.proration-calculator label{display:grid;gap:8px;margin:12px 0}.proration-calculator input,.proration-calculator select{width:100%;padding:12px 14px;border:1.5px solid var(--gray-300);border-radius:10px;min-height:48px}.proration-calculator button{min-height:44px}.proration-summary{padding:20px;background:var(--tint-100);border-radius:var(--radius-sm)}.proration-breakdown>div{padding:10px 0}.tool-tabs{display:flex;gap:12px;flex-wrap:wrap}.proration-mode-tabs{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}.proration-mode-tabs button{min-width:0;padding:15px;text-align:left;border:1.5px solid var(--gray-300);border-radius:12px;background:#fff;color:var(--ink);cursor:pointer}.proration-mode-tabs button.active{background:var(--navy-800);color:#fff;border-color:var(--navy-800)}.proration-mode-tabs span{display:block;font-size:12px;line-height:1.5;margin-top:5px}.liability-actions{display:flex;gap:10px;flex-wrap:wrap}.proration-results{margin-top:25px;border:1px solid #c9d9e6;padding:22px;background:var(--tint-100);border-radius:var(--radius-sm)}.proration-result-primary strong{display:block;font-size:34px;font-family:var(--serif)}.proration-results dl>div{display:flex;justify-content:space-between;gap:16px;padding:10px 0}.proration-results dd{margin:0}.tool-panel,.proration-calculator,input{min-width:0}.intake-group h3{font-size:20px}footer{position:relative;background:var(--blue-950);color:#dbe5ec;padding:clamp(56px,7vw,88px) var(--gutter) 28px;overflow:hidden}footer:before{content:"";position:absolute;inset:0 0 auto;height:3px;background:var(--accent-800)}.footer-inner{position:relative;max-width:var(--container);margin:0 auto;display:grid;grid-template-columns:1.5fr .8fr 1.1fr .9fr 1fr;gap:36px}.footer-col.areas p{font-size:14px;color:#a8bfcc;line-height:1.7;margin-bottom:12px}.footer-col.areas a{color:var(--mint-300)}.footer-brand .brand{color:var(--white)}.footer-brand .brand svg{color:var(--white)}.footer-brand .brand .mark-roof{fill:var(--mint-300);stroke:var(--mint-300)}.mark-roof[stroke]{fill:none}.footer-brand .brand-text span{color:var(--mint-300)}.footer-tag{margin:18px 0 22px;font-size:15px;color:#a8bfcc;font-family:var(--serif);font-style:italic;font-size:18px}footer address{font-style:normal;display:grid;gap:10px;font-size:15px}footer address a,footer address span{display:inline-flex;align-items:center;gap:10px;text-decoration:none;color:#dbe5ec}footer address svg{color:var(--mint-300)}footer address a:hover{color:var(--white)}.footer-col h3{font-family:var(--sans);font-size:12px;letter-spacing:.16em;text-transform:uppercase;color:var(--mint-300);margin-bottom:16px;font-weight:800}.footer-col a{display:block;padding:6px 0;font-size:15px;text-decoration:none;color:#dfebf1;transition:color .2s,transform .2s var(--ease)}.footer-col a:hover{color:var(--white);transform:translate(3px)}footer .legal{grid-column:1/-1;border-top:1px solid #ffffff1a;padding-top:22px;margin-top:20px;font-size:13px;color:#8fa3b2;display:flex;justify-content:space-between;flex-wrap:wrap;gap:8px 24px}footer .legal a{color:#c9d7e0}.mobile-actions{display:none}@media(prefers-reduced-motion:no-preference){html.js [data-reveal],html.js [data-reveal-group]>*{opacity:0;transform:translateY(22px);transition:opacity .7s var(--ease),transform .7s var(--ease);transition-delay:var(--d,0ms)}html.js [data-reveal].in,html.js [data-reveal-group]>.in{opacity:1;transform:none}.hero .eyebrow{animation:enter .6s var(--ease) both}.hero h1{animation:enter .7s .08s var(--ease) both}.hero .lede,.hero>p,.hero>div>p{animation:enter .7s .18s var(--ease) both}.hero .actions{animation:enter .7s .28s var(--ease) both}.hero .feature,.hero .hero-strip,.hero .fine{animation:enter .8s .4s var(--ease) both}@keyframes enter{0%{opacity:0;transform:translateY(16px)}to{opacity:1;transform:none}}}@media(prefers-reduced-motion:reduce){.marquee-track{animation:none!important}*{transition-duration:.01ms!important}}@media(max-width:1180px){.header-inner{gap:14px}.menu-btn,.nav-link{padding:10px 8px;font-size:13.5px}.phone span{display:none}.phone{padding:8px}.panel.wide{min-width:600px}}@media(max-width:1000px){.primary-nav,.header-actions .phone,.header-actions .button{display:none}.menu-toggle{display:flex}.header-actions{margin-left:auto}.hero-grid,.split{grid-template-columns:1fr}.grid,.grid.four{grid-template-columns:repeat(2,1fr)}.steps{grid-template-columns:1fr}.steps>*:after{display:none}.stats{grid-template-columns:repeat(2,1fr)}.review-card{position:static}.footer-inner{grid-template-columns:1fr 1fr 1fr}.footer-brand{grid-column:1/-1}.carriers-inner{grid-template-columns:1fr;gap:14px}.carriers .label{border:0;padding:0}.editorial-grid{grid-template-columns:1fr}}@media(max-width:650px){body{font-size:16px;padding-bottom:74px}.brand svg{width:38px;height:38px}.brand-text strong{font-size:18px}.brand-text span{font-size:10px}h1{font-size:clamp(38px,11vw,50px)}.hero.compact h1{font-size:clamp(34px,9.5vw,44px)}h2{font-size:clamp(29px,8vw,36px)}.grid,.grid.two,.grid.four{grid-template-columns:1fr}.stats{grid-template-columns:1fr 1fr;gap:12px}.stat{padding:20px}.actions .button{flex:1 1 auto}.hero .actions .button{width:100%}.card,.tile{padding:24px 22px}.feature{padding:24px}.agent-card{grid-template-columns:1fr;text-align:center;justify-items:center}.footer-inner{grid-template-columns:1fr 1fr;gap:28px}.footer-brand{grid-column:1/-1}footer .legal{flex-direction:column}.hero-mark{width:70vw;right:-20%;bottom:-8%}.mobile-actions{position:fixed;bottom:0;left:0;right:0;z-index:30;display:grid;grid-template-columns:1fr 1.2fr;background:#fffe;backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);box-shadow:0 -6px 24px #0b223926;padding:10px 12px calc(10px + env(safe-area-inset-bottom));gap:10px}.mobile-actions a{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:50px;border-radius:var(--pill);text-decoration:none;font-weight:800;font-size:15px;border:1.5px solid var(--gray-300);color:var(--navy-900)}.mobile-actions a:last-child{background:var(--accent-800);color:#fff;border-color:transparent}body.menu-open .mobile-actions{display:none}.tool-result dl>div{display:block}.tool-result dd{margin:5px 0;overflow-wrap:anywhere}.funnel-grid{grid-template-columns:1fr}.span2{grid-column:auto}}
