/* Shared stylesheet — extracted verbatim from index.html so new pages match exactly. */
    :root{
      --navy:#061425;
      --navy-2:#0a2038;
      --navy-3:#0e2a46;
      --gold:#e5b64f;
      --gold-lt:#f8d777;
      --gold-dk:#b98223;
      --cream:#fffaf0;
      --ink:#0b1726;
      --slate:#5a6879;
      --line:rgba(255,255,255,.14);
      --line-ink:rgba(11,23,38,.10);
      --shadow-sm:0 8px 24px rgba(6,20,37,.08);
      --shadow:0 24px 60px rgba(6,20,37,.14);
      --shadow-lg:0 40px 100px rgba(6,20,37,.22);
      --max:1180px;
      --ease:cubic-bezier(.22,.9,.22,1);
    }
    *{box-sizing:border-box}
    html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
    body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",Arial,sans-serif;
      background:var(--navy);color:#fff;line-height:1.6;-webkit-font-smoothing:antialiased;font-size:16px;overflow-x:hidden}
    img,svg{display:block;max-width:100%}
    a{text-decoration:none;color:inherit}
    button,input,select,textarea{font:inherit}
    h1,h2,h3,h4{margin:0;line-height:1.1;letter-spacing:-.02em}
    .serif{font-family:Fraunces,Georgia,"Times New Roman",serif;letter-spacing:-.03em}
    .container{width:min(var(--max),calc(100% - 44px));margin-inline:auto}
    .skip{position:absolute;left:12px;top:12px;transform:translateY(-160%);background:var(--gold);color:var(--ink);padding:10px 16px;border-radius:999px;z-index:9999;font-weight:700}
    .skip:focus{transform:none}

    /* header */
    .header{position:fixed;inset:0 0 auto;z-index:1000;transition:.3s var(--ease);border-bottom:1px solid transparent}
    .header.scrolled{background:rgba(6,20,37,.9);backdrop-filter:blur(20px) saturate(140%);border-bottom-color:rgba(255,255,255,.08)}
    .nav{height:80px;display:flex;align-items:center;justify-content:space-between;gap:28px}
    .logo img{width:210px;height:auto}
    .links{display:flex;align-items:center;gap:32px;font-size:15px;font-weight:600}
    .links a{position:relative;padding:10px 0;color:#eaf2fa;opacity:.9;transition:.2s var(--ease)}
    .links a:hover{opacity:1;color:var(--gold-lt)}
    .links a:after{content:"";position:absolute;left:0;right:100%;bottom:2px;height:2px;background:var(--gold);transition:.25s var(--ease);border-radius:2px}
    .links a:hover:after{right:0}
    .navActions{display:flex;align-items:center;gap:12px}
    .menu{display:none;border:1px solid var(--line);background:rgba(255,255,255,.07);color:#fff;border-radius:10px;padding:10px 14px;font-weight:600;cursor:pointer}

    /* buttons */
    .btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:56px;padding:15px 26px;border-radius:12px;border:1px solid transparent;font-weight:700;cursor:pointer;transition:.22s var(--ease);white-space:nowrap;font-size:15px}
    .btn:active{transform:translateY(1px)}
    .btn-primary{background:linear-gradient(135deg,#ffe79c,var(--gold) 48%,var(--gold-dk));color:#08192b;box-shadow:0 16px 32px rgba(229,182,79,.26)}
    .btn-primary:hover{transform:translateY(-2px);box-shadow:0 22px 44px rgba(229,182,79,.34)}
    .btn-ghost{background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.22);color:#fff;backdrop-filter:blur(8px)}
    .btn-ghost:hover{border-color:var(--gold);background:rgba(229,182,79,.12);transform:translateY(-2px)}
    .btn-sm{min-height:46px;padding:11px 20px;font-size:14px;border-radius:10px}
    .eyebrow{display:inline-flex;align-items:center;gap:8px;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-lt);font-weight:700;font-size:12px}
    .eyebrow:before{content:"";width:22px;height:1px;background:var(--gold);display:inline-block}

    /* hero */
    .hero{position:relative;padding:132px 0 84px;overflow:hidden;background:var(--navy)}
    .hero:before{content:"";position:absolute;inset:0;background:
      radial-gradient(900px 520px at 78% 18%,rgba(229,182,79,.16),transparent 62%),
      radial-gradient(700px 500px at 8% 90%,rgba(24,84,140,.28),transparent 60%);pointer-events:none}
    .heroGrid{position:relative;z-index:1;display:grid;grid-template-columns:1.08fr .82fr;gap:56px;align-items:center}
    .helper{margin:10px 0 0;color:var(--muted,#5b6b7d);font-size:14px}
    .hero h1{font-size:clamp(42px,6.2vw,74px);margin:18px 0 0;font-weight:600}
    .hero h1 em{font-style:normal;background:linear-gradient(100deg,var(--gold-lt),var(--gold) 55%,#c8952f);-webkit-background-clip:text;background-clip:text;color:transparent}
    .hero p.lead{font-size:clamp(16px,1.6vw,19px);color:#dbe7f2;max-width:600px;margin:24px 0 32px}
    .heroCtas{display:flex;flex-wrap:wrap;gap:14px;margin-bottom:30px}
    .trustRow{display:flex;flex-wrap:wrap;gap:10px}
    .chip{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:999px;padding:8px 14px;font-size:13px;font-weight:500;color:#e6f0f9;backdrop-filter:blur(8px)}
    .chip svg{width:15px;height:15px;color:var(--gold)}
    .heroCard{position:relative;border-radius:20px;overflow:hidden;border:1px solid rgba(255,255,255,.16);box-shadow:var(--shadow-lg);background:#0a1c30}
    .heroCard img{width:100%;height:100%;object-fit:cover;aspect-ratio:4/5}
    .heroCard .overlay{position:absolute;inset:auto 0 0;padding:24px;background:linear-gradient(0deg,rgba(4,14,26,.96),rgba(4,14,26,.55) 60%,transparent)}
    .heroCard .stars{color:var(--gold-lt);letter-spacing:.12em;font-size:15px}
    .heroCard strong{display:block;font-size:22px;margin-top:6px}
    .heroCard .overlay p{margin:4px 0 0;font-size:13px;color:#c3d3e2}
    .floatBadge{position:absolute;top:18px;left:18px;background:rgba(6,20,37,.86);border:1px solid rgba(229,182,79,.45);color:var(--gold-lt);border-radius:999px;padding:8px 14px;font-size:12px;font-weight:700;letter-spacing:.06em;backdrop-filter:blur(10px)}

    /* carriers */
    .carriers{background:linear-gradient(180deg,#fffdf7,#fdf6e7);color:var(--ink);padding:26px 0;border-bottom:1px solid rgba(11,23,38,.06)}
    .carrierGrid{display:grid;grid-template-columns:132px repeat(5,1fr);gap:18px;align-items:center}
    .label{font-size:11px;letter-spacing:.16em;text-transform:uppercase;color:#7a8797;font-weight:700}
    .carrier{text-align:center;font-family:Fraunces,Georgia,serif;font-size:19px;font-weight:600;color:#22374f;opacity:.82;transition:.2s var(--ease)}
    .carrier:hover{opacity:1;color:#0f2237}
    .carrier small{display:block;font-family:Inter,sans-serif;font-size:9px;letter-spacing:.14em;text-transform:uppercase;color:#7b8898;margin-top:2px}

    /* sections */
    section{position:relative}
    .section{padding:96px 0}
    .light{color:var(--ink);position:relative;isolation:isolate;overflow:hidden;background:linear-gradient(180deg,#fffdf9,#fff6e6)}
    .light:before{content:"";position:absolute;inset:-10% -5%;z-index:0;pointer-events:none;
      background:
        radial-gradient(520px 380px at 14% 18%,rgba(229,182,79,.42),transparent 66%),
        radial-gradient(560px 420px at 86% 26%,rgba(37,110,170,.28),transparent 68%),
        radial-gradient(620px 460px at 62% 88%,rgba(229,182,79,.34),transparent 70%),
        radial-gradient(420px 340px at 26% 74%,rgba(24,84,140,.16),transparent 72%);
      filter:blur(6px)}
    .light > *{position:relative;z-index:1}
    .dark{background:linear-gradient(180deg,#061425,#08203a);color:#fff}
    .head{text-align:center;max-width:780px;margin:0 auto 52px}
    .head h2{font-size:clamp(30px,3.8vw,44px);font-weight:600;margin:14px 0}
    .head p{margin:0 auto;color:var(--slate);font-size:17px;max-width:640px}
    .dark .head p{color:#bfd0df}

    /* glass surfaces */
    .glass{position:relative;background:linear-gradient(160deg,rgba(255,255,255,.46),rgba(255,255,255,.24));
      -webkit-backdrop-filter:blur(16px) saturate(140%);backdrop-filter:blur(16px) saturate(140%);
      border:1px solid rgba(255,255,255,.75);
      box-shadow:0 18px 44px rgba(6,20,37,.10),0 2px 6px rgba(6,20,37,.05),inset 0 1px 0 rgba(255,255,255,.95)}
    .glass:before{content:"";position:absolute;inset:0;border-radius:inherit;pointer-events:none;
      background:linear-gradient(140deg,rgba(255,255,255,.55),rgba(255,255,255,0) 38%,rgba(229,182,79,.10) 100%);
      mix-blend-mode:screen;opacity:.85}
    .glass > *{position:relative;z-index:1}
    .glass:hover{box-shadow:0 30px 66px rgba(6,20,37,.16),0 0 0 1px rgba(229,182,79,.22),inset 0 1px 0 rgba(255,255,255,.95)}

    /* coverage cards */
    .cards{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
    .card{position:relative;background:linear-gradient(160deg,rgba(255,255,255,.46),rgba(255,255,255,.24));
      -webkit-backdrop-filter:blur(14px) saturate(150%);backdrop-filter:blur(14px) saturate(150%);
      border:1px solid rgba(255,255,255,.75);border-radius:22px;padding:34px 30px 30px;
      box-shadow:0 18px 44px rgba(6,20,37,.10),0 2px 6px rgba(6,20,37,.05),inset 0 1px 0 rgba(255,255,255,.95);
      transition:.28s var(--ease);display:flex;flex-direction:column;overflow:hidden}
    .card:before{content:"";position:absolute;inset:0;border-radius:inherit;pointer-events:none;
      background:linear-gradient(140deg,rgba(255,255,255,.55),rgba(255,255,255,0) 38%,rgba(229,182,79,.10) 100%);
      mix-blend-mode:screen;opacity:.85}
    .card > *{position:relative;z-index:1}
    .card:hover{transform:translateY(-6px);
      box-shadow:0 30px 66px rgba(6,20,37,.16),0 0 0 1px rgba(229,182,79,.22),inset 0 1px 0 rgba(255,255,255,.95);
      border-color:rgba(255,255,255,.95)}
    .card .icon{width:54px;height:54px;border-radius:14px;display:grid;place-items:center;background:linear-gradient(135deg,#fdf2dc,#f7e3bd);color:var(--gold-dk);margin-bottom:20px}
    .card .icon svg{width:26px;height:26px}
    .card h3{font-size:20px;font-weight:600;margin-bottom:10px;color:#0d1b2b}
    .card p{color:#566476;margin:0 0 20px;font-size:14.5px}
    .card .amount{display:block;font-weight:700;color:var(--gold-dk);font-size:17px;margin-bottom:3px}
    .card .age{font-weight:600;color:#20303f;font-size:13px}
    .card ul{margin:18px 0 24px;padding:0;list-style:none;color:#566476;font-size:13.5px;display:grid;gap:8px}
    .card li{display:flex;gap:9px;align-items:flex-start}
    .card li:before{content:"";flex:0 0 16px;height:16px;margin-top:3px;background:var(--gold-dk);border-radius:50%;
      -webkit-mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='3'%3E%3Cpath d='M4 12l5 5L20 6'/%3E%3C/svg%3E") center/12px no-repeat;
      mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='3'%3E%3Cpath d='M4 12l5 5L20 6'/%3E%3C/svg%3E") center/12px no-repeat}
    .card .cardCta{margin-top:auto;font-weight:700;color:#0d1b2b;font-size:14px;display:inline-flex;align-items:center;gap:6px}
    .card .cardCta span{transition:.2s var(--ease)}
    .card:hover .cardCta span{transform:translateX(4px)}
    .card.featured{border-color:rgba(229,182,79,.5);box-shadow:0 24px 56px rgba(185,130,35,.14)}
    .card .tag{position:absolute;top:18px;right:18px;background:linear-gradient(135deg,var(--gold-lt),var(--gold));color:#08192b;font-size:10.5px;font-weight:800;letter-spacing:.07em;text-transform:uppercase;padding:5px 10px;border-radius:999px;line-height:1;white-space:nowrap;box-shadow:0 6px 14px rgba(185,130,35,.28)}

    /* why grid */
    .whyGrid{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:rgba(255,255,255,.10);border:1px solid rgba(255,255,255,.10);border-radius:18px;overflow:hidden}
    .why{background:linear-gradient(160deg,rgba(255,255,255,.075),rgba(255,255,255,.025));
      -webkit-backdrop-filter:blur(12px) saturate(135%);backdrop-filter:blur(12px) saturate(135%);
      padding:32px 24px;transition:.25s var(--ease)}
    .why:hover{background:linear-gradient(160deg,rgba(255,255,255,.12),rgba(255,255,255,.045))}
    .why svg{color:var(--gold);margin-bottom:16px;width:32px;height:32px}
    .why h3{font-size:16px;font-weight:600;margin-bottom:8px}
    .why p{margin:0;color:#b6c7d6;font-size:13.5px;line-height:1.55}

    /* process */
    .steps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;counter-reset:step}
    .step{position:relative;background:linear-gradient(160deg,rgba(255,255,255,.46),rgba(255,255,255,.24));
      -webkit-backdrop-filter:blur(16px) saturate(140%);backdrop-filter:blur(16px) saturate(140%);
      border:1px solid rgba(255,255,255,.75);border-radius:20px;padding:30px;
      box-shadow:0 18px 44px rgba(6,20,37,.10),inset 0 1px 0 rgba(255,255,255,.95);
      transition:.28s var(--ease);overflow:hidden}
    .step:hover{transform:translateY(-4px);box-shadow:0 26px 58px rgba(6,20,37,.15),0 0 0 1px rgba(229,182,79,.20),inset 0 1px 0 rgba(255,255,255,.95)}
    .step:before{counter-increment:step;content:"0" counter(step);font-family:Fraunces,Georgia,serif;font-size:15px;font-weight:600;color:var(--gold-dk);display:inline-block;padding:6px 12px;border:1px solid rgba(185,130,35,.3);border-radius:999px;margin-bottom:18px}
    .step h3{font-size:18px;margin-bottom:8px;color:#0d1b2b}
    .step p{margin:0;color:#566476;font-size:14.5px}

    /* testimonials */
    .testGrid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
    .testCard{background:linear-gradient(160deg,rgba(255,255,255,.48),rgba(255,255,255,.26));
      -webkit-backdrop-filter:blur(16px) saturate(140%);backdrop-filter:blur(16px) saturate(140%);
      border:1px solid rgba(255,255,255,.75);border-radius:20px;padding:28px;
      box-shadow:0 18px 44px rgba(6,20,37,.10),inset 0 1px 0 rgba(255,255,255,.95);
      display:flex;flex-direction:column;gap:16px;transition:.28s var(--ease)}
    .testCard:hover{transform:translateY(-4px);box-shadow:0 26px 58px rgba(6,20,37,.15),0 0 0 1px rgba(229,182,79,.20),inset 0 1px 0 rgba(255,255,255,.95)}
    .testCard .stars{color:#d9a63a;letter-spacing:.1em;font-size:14px}
    .testCard p{margin:0;color:#2f3d50;font-size:15px;line-height:1.65}
    .who{display:flex;align-items:center;gap:12px;margin-top:auto}
    .avatar{width:42px;height:42px;border-radius:50%;background:linear-gradient(135deg,#e8d9bf,#c9ae82);display:grid;place-items:center;font-weight:700;color:#5a441f;font-size:14px;flex:0 0 42px}
    .who strong{display:block;font-size:13.5px;color:#0d1b2b}
    .who span{font-size:12.5px;color:#7a8797}

    /* quote */
    .quoteSection{padding:88px 0;background:
      linear-gradient(100deg,rgba(6,20,37,.97),rgba(6,20,37,.87)),
      radial-gradient(700px 420px at 12% 88%,rgba(229,182,79,.20),transparent 62%),
      url("assets/hero-lighthouse.jpg") center bottom/cover no-repeat}
    .quoteGrid{display:grid;grid-template-columns:.9fr 1.1fr;gap:52px;align-items:start}
    .quoteCopy h2{font-size:clamp(32px,4vw,50px);font-weight:600;margin:14px 0 16px}
    .quoteCopy p{color:#d3e1ee;font-size:16.5px;max-width:480px}
    .quoteBadges{display:grid;gap:16px;margin-top:30px}
    .badge{display:flex;gap:12px;align-items:flex-start}
    .badge svg{width:20px;height:20px;color:var(--gold);flex:0 0 20px;margin-top:2px}
    .badge strong{display:block;font-size:14.5px}
    .badge small{display:block;color:#a9bccd;font-size:12.5px;font-weight:400}
    .quoteNote{margin-top:28px;padding:16px 18px;border:1px solid rgba(255,255,255,.14);border-radius:12px;background:rgba(255,255,255,.04);font-size:13px;color:#b9cbda}

    form{background:linear-gradient(160deg,rgba(16,42,68,.72),rgba(6,22,38,.62));
      border:1px solid rgba(255,255,255,.22);border-radius:24px;padding:28px;
      box-shadow:0 40px 90px rgba(2,10,20,.45),inset 0 1px 0 rgba(255,255,255,.18);
      -webkit-backdrop-filter:blur(16px) saturate(140%);backdrop-filter:blur(16px) saturate(140%)}
    .formHead{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-bottom:20px}
    .formHead h3{font-size:19px;font-weight:600}
    .formHead span{font-size:11.5px;color:#9db2c4;border:1px solid rgba(255,255,255,.16);border-radius:999px;padding:5px 10px;white-space:nowrap}
    .formGrid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
    .field{display:flex;flex-direction:column;gap:6px}
    label{color:#cfdde9;font-size:12px;font-weight:600}
    input,select,textarea{width:100%;min-height:48px;border-radius:10px;border:1px solid rgba(255,255,255,.16);background:rgba(255,255,255,.06);color:#fff;padding:11px 13px;outline:none;transition:.18s var(--ease);font-size:14.5px}
    input::placeholder,textarea::placeholder{color:#8199ad}
    input:focus,select:focus,textarea:focus{border-color:var(--gold);box-shadow:0 0 0 3px rgba(229,182,79,.16);background:rgba(255,255,255,.09)}
    select{appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1.5L6 6.5L11 1.5' stroke='%23c8d8e6' stroke-width='1.6' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 13px center;padding-right:36px}
    option{color:#061425;background:#fff}
    .full{grid-column:1/-1}

    .coverageBox{grid-column:1/-1;border:1px solid rgba(255,255,255,.13);border-radius:14px;padding:16px 16px 10px;background:rgba(255,255,255,.035);margin-top:2px}
    .covHead{display:flex;align-items:baseline;justify-content:space-between;gap:10px;margin-bottom:10px}
    .covHead label{margin:0}
    .covHead strong{font-family:Fraunces,Georgia,serif;font-size:20px;color:var(--gold-lt);font-weight:600}
    input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:999px;background:rgba(255,255,255,.16);padding:0;min-height:6px;border:0;margin:6px 0 12px}
    input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;background:#fff;border:4px solid var(--gold);box-shadow:0 4px 12px rgba(0,0,0,.35);cursor:pointer}
    input[type=range]::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:#fff;border:4px solid var(--gold);cursor:pointer}
    .covInput{text-align:center;font-weight:700;font-size:16px;letter-spacing:.02em}
    .premiumLine{display:flex;align-items:baseline;justify-content:center;gap:6px;margin:10px 0 4px;font-size:13px;color:#a9bccd}
    .premiumLine strong{color:var(--gold-lt);font-size:19px;font-weight:700;font-family:Fraunces,Georgia,serif}

    .consent{display:flex;gap:9px;align-items:flex-start;font-size:11.5px;color:#9db2c4;line-height:1.45;margin:14px 0 4px;font-weight:400}
    .consent input{min-height:0;width:16px;height:16px;flex:0 0 16px;margin-top:2px;accent-color:var(--gold)}
    .consent a{color:#cfdde9;text-decoration:underline;text-underline-offset:2px}
    .submit{width:100%;margin-top:14px}
    .secureNote{display:flex;align-items:center;justify-content:center;gap:7px;color:#8fa6ba;font-size:11.5px;margin-top:12px;text-align:center}
    .secureNote svg{width:13px;height:13px;flex:0 0 13px}
    .msg{display:none;margin-top:12px;padding:12px 14px;border-radius:10px;background:rgba(229,182,79,.12);border:1px solid rgba(229,182,79,.34);color:#fff1c9;font-size:13px}


    /* quiz card */
    .quizCard{background:linear-gradient(160deg,rgba(16,42,68,.74),rgba(6,22,38,.66));
      border:1px solid rgba(255,255,255,.22);border-radius:24px;padding:26px 26px 22px;
      box-shadow:0 40px 90px rgba(2,10,20,.45),inset 0 1px 0 rgba(255,255,255,.18);
      -webkit-backdrop-filter:blur(16px) saturate(140%);backdrop-filter:blur(16px) saturate(140%)}
    .quizTop{display:flex;align-items:center;justify-content:space-between;gap:14px;margin-bottom:18px}
    .quizTop span{font-size:11.5px;letter-spacing:.1em;text-transform:uppercase;color:#9db2c4;font-weight:700}
    .quizBar{flex:1;height:5px;border-radius:99px;background:rgba(255,255,255,.14);overflow:hidden;max-width:150px}
    .quizBar i{display:block;height:100%;width:33%;border-radius:99px;background:linear-gradient(90deg,var(--gold-lt),var(--gold));transition:.35s var(--ease)}
    .quizCard h3{font-size:21px;font-weight:600;margin:0 0 6px;color:#fff;font-family:Fraunces,Georgia,serif}
    .quizCard p.qsub{margin:0 0 16px;color:#a9bccd;font-size:13.5px}
    .qOpts{display:grid;gap:10px}
    .qOpt{display:flex;align-items:center;justify-content:space-between;gap:12px;width:100%;text-align:left;
      background:rgba(255,255,255,.055);border:1px solid rgba(255,255,255,.16);border-radius:12px;
      padding:14px 16px;color:#fff;font-size:14.5px;font-weight:600;cursor:pointer;transition:.18s var(--ease)}
    .qOpt:hover{background:rgba(229,182,79,.14);border-color:rgba(229,182,79,.5);transform:translateX(3px)}
    .qOpt span{color:var(--gold-lt);font-weight:700}
    .quizCard .field{margin-bottom:12px}
    .quizCard input,.quizCard select{min-height:46px}
    .quizCard .consent{margin:6px 0 10px}
    .quizCard .msg{margin-top:10px}
    .quizBack{background:none;border:0;color:#8fa6ba;font-size:12.5px;cursor:pointer;padding:6px 0;margin-top:6px}
    .quizBack:hover{color:#fff}
    .archList{list-style:none;padding:0;margin:0 0 14px}
    .archList li{position:relative;padding-left:18px;margin-bottom:8px;color:#c3d2df;font-size:13.5px;line-height:1.5}
    .archList li:before{content:"";position:absolute;left:0;top:7px;width:6px;height:6px;border-radius:50%;background:var(--gold)}
    .archNext{font-size:11.5px;letter-spacing:.1em;text-transform:uppercase;color:#9db2c4;font-weight:700;margin:0 0 8px}
    .archFine{font-size:11.5px;line-height:1.5;color:#8fa6ba;margin:10px 0 0}

    /* faq */
    .faq{max-width:860px;margin:0 auto;display:grid;gap:12px}
    details{background:linear-gradient(160deg,rgba(255,255,255,.50),rgba(255,255,255,.28));
      -webkit-backdrop-filter:blur(14px) saturate(140%);backdrop-filter:blur(14px) saturate(140%);
      border:1px solid rgba(255,255,255,.75);border-radius:16px;
      box-shadow:0 14px 34px rgba(6,20,37,.08),inset 0 1px 0 rgba(255,255,255,.95);
      overflow:hidden;transition:.2s var(--ease)}
    details[open]{border-color:rgba(185,130,35,.28)}
    summary{list-style:none;padding:20px 24px;font-weight:600;cursor:pointer;display:flex;justify-content:space-between;gap:16px;color:#0d1b2b;font-size:15.5px}
    summary::-webkit-details-marker{display:none}
    summary:after{content:"+";font-size:22px;color:var(--gold-dk);line-height:1;flex:0 0 auto}
    details[open] summary:after{content:"–"}
    details p{margin:0;padding:0 24px 22px;color:#566476;font-size:14.5px;line-height:1.65}

    /* cta band */
    .ctaBand{padding:72px 0;background:linear-gradient(115deg,#0a2038,#0e2a46);border-top:1px solid rgba(255,255,255,.08)}
    .ctaInner{display:flex;align-items:center;justify-content:space-between;gap:32px;flex-wrap:wrap}
    .ctaInner h2{font-size:clamp(26px,3vw,36px);font-weight:600;max-width:620px}
    .ctaInner p{margin:8px 0 0;color:#b9cbda;font-size:15px}

    footer{background:#04101d;color:#b9c9d8;padding:56px 0 28px;border-top:1px solid rgba(255,255,255,.07)}
    .footerGrid{display:grid;grid-template-columns:1.4fr .8fr .9fr .8fr;gap:36px;align-items:start}
    footer img{width:200px;margin-bottom:14px}
    footer p{margin:0 0 10px;font-size:13.5px;color:#9fb2c4;line-height:1.6}
    footer h3{font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-lt);margin:0 0 16px;font-weight:700}
    footer a{font-size:13.5px;color:#b9c9d8;display:block;margin-bottom:9px;transition:.18s var(--ease)}
    footer a:hover{color:var(--gold-lt)}
    .footerBottom{display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap;margin-top:40px;padding-top:22px;border-top:1px solid rgba(255,255,255,.08);font-size:12.5px;color:#7e93a6}
    .footerLegal{display:flex;gap:22px;flex-wrap:wrap}
    .footerLegal a{display:inline;margin:0}
    .disclaimer{margin-top:22px;font-size:11px;color:#66798b;line-height:1.7;max-width:100%}

    /* mobile cta */
    .mobileCta{display:none;position:fixed;left:12px;right:12px;bottom:12px;z-index:990;box-shadow:0 20px 44px rgba(0,0,0,.45)}

    /* calendly modal */
    .calendly-overlay{position:fixed;inset:0;background:rgba(3,10,18,.8);backdrop-filter:blur(6px);z-index:10000;overflow-y:auto;padding:28px 16px}
    .calendly-modal{position:relative;background:#fff;max-width:720px;margin:24px auto;border-radius:16px;box-shadow:0 40px 100px rgba(0,0,0,.5);overflow:hidden}
    .calendly-close{position:absolute;top:10px;right:14px;background:#fff;border:0;font-size:26px;line-height:1;cursor:pointer;color:#5a6879;z-index:2;width:34px;height:34px;border-radius:50%}
    .calendly-close:hover{color:#000;background:#f2f4f7}

    .reveal{opacity:0;transform:translateY(20px);transition:opacity .65s var(--ease),transform .65s var(--ease)}
    .reveal.on{opacity:1;transform:none}
    @media (prefers-reduced-motion:reduce){*,*:before,*:after{animation:none!important;transition:none!important;scroll-behavior:auto!important}.reveal{opacity:1;transform:none}}

    @media(max-width:1040px){
      .heroGrid{grid-template-columns:1fr;gap:40px}
      .heroCard{max-width:520px;margin-inline:auto}
      .quoteGrid{grid-template-columns:1fr;gap:36px}
      .cards{grid-template-columns:1fr 1fr}
      .whyGrid{grid-template-columns:1fr 1fr}
      .testGrid{grid-template-columns:1fr}
      .carrierGrid{grid-template-columns:repeat(3,1fr)}
      .carrierGrid .label{grid-column:1/-1;text-align:center}
      .footerGrid{grid-template-columns:1fr 1fr}
    }
    @media(max-width:860px){
      .menu{display:inline-flex}
      .links{position:fixed;top:84px;left:16px;right:16px;display:grid;gap:2px;background:rgba(6,20,37,.97);border:1px solid rgba(255,255,255,.12);border-radius:16px;padding:14px;box-shadow:var(--shadow-lg);transform:translateY(-14px);opacity:0;pointer-events:none;transition:.22s var(--ease)}
      .links.open{transform:none;opacity:1;pointer-events:auto}
      .links a{padding:12px;border-radius:8px}
      .links a:after{display:none}
      .links a:hover{background:rgba(255,255,255,.06)}
      .navActions .btn{display:none}
      .section{padding:72px 0}
      .mobileCta{display:flex}
      footer{padding-bottom:96px}
      .hero{padding-top:112px}
    }
    @media(max-width:640px){
      .container{width:min(100% - 32px,var(--max))}
      .logo img{width:176px}
      .nav{height:72px}
      .hero h1{font-size:40px}
      .heroCtas{flex-direction:column}
      .heroCtas .btn{width:100%}
      .cards,.whyGrid,.steps,.formGrid,.footerGrid{grid-template-columns:1fr}
      .carrierGrid{grid-template-columns:1fr 1fr}
      .ctaInner{flex-direction:column;align-items:flex-start}
      .ctaInner .btn{width:100%}
      .footerBottom{flex-direction:column;align-items:flex-start}
      form{padding:22px}
    }

/* ---- Service / article pages (added for SEO landing pages) ---- */
.pageHero{background:var(--navy);color:#fff;padding:120px 0 56px}
.pageHero .crumb{font-size:13px;letter-spacing:.04em;color:rgba(255,255,255,.6);margin:0 0 14px}
.pageHero .crumb a{color:var(--gold);text-decoration:none}
.pageHero .crumb span{margin:0 6px}
.pageHero h1{font-size:clamp(30px,4.4vw,50px);line-height:1.1;margin:0 0 16px;color:#fff}
.pageHero .lead{font-size:17px;line-height:1.6;color:rgba(255,255,255,.82);max-width:680px;margin:0 0 26px}
.article{max-width:760px}
.article h2{font-family:Fraunces,Georgia,serif;font-size:clamp(24px,3vw,32px);line-height:1.2;color:var(--navy);margin:38px 0 14px}
.article h3{font-family:Inter,sans-serif;font-size:18px;font-weight:700;color:var(--navy);margin:26px 0 8px}
.article p{font-size:16px;line-height:1.75;color:#33475b;margin:0 0 16px}
.article ul,.article ol{margin:0 0 18px;padding-left:22px}
.article li{font-size:16px;line-height:1.7;color:#33475b;margin:0 0 8px}
.article a{color:#8a6d1f;font-weight:600}
.callout{background:#f6f2e6;border-left:4px solid var(--gold);padding:18px 20px;margin:26px 0;border-radius:4px}
.callout p:last-child{margin:0}
.faqBlock{margin-top:34px}
.faqItem{border-top:1px solid #e3e8ee;padding:18px 0}
.faqItem h3{margin:0 0 8px;font-size:17px}
.faqItem p{margin:0}
.pageCta{margin:40px 0 10px;padding:28px;background:var(--navy);border-radius:8px;text-align:center}
.pageCta p{color:rgba(255,255,255,.82);margin:0 0 18px}
@media(max-width:720px){.pageHero{padding:96px 0 40px}}

/* Card headings are links into the service pages */
.card h3 a{color:inherit;text-decoration:none}
.card h3 a:hover{color:#8a6d1f}

/* AEO: answer-first block */
.quickAnswer{background:#fffdf7;border:1px solid #e8dfc6;border-left:4px solid var(--gold);padding:20px 22px;margin:0 0 30px;border-radius:6px}
.quickAnswer .qaLabel{font-size:11px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:#8a6d1f;margin:0 0 8px}
.quickAnswer p:last-child{font-size:16.5px;line-height:1.7;color:#22303f;margin:0}