:root{color-scheme:light;--navy:#0a263d;--navy-deep:#061c2e;--blue:#123b59;--teal:#0b8d83;--teal-dark:#08756d;--amber:#f2bf65;--paper:#ffffff;--mist:#edf4f5;--line:#d7e3e7;--text:#193348;--muted:#5a6d79;--shadow:0 22px 58px rgba(10,38,61,.13)}
*{box-sizing:border-box}
[hidden]{display:none!important}
html{scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--text);font-family:"Avenir Next","Segoe UI",Arial,sans-serif;font-size:16px;line-height:1.56;-webkit-font-smoothing:antialiased}
img{max-width:100%}
button,input{font:inherit}
a{color:inherit}
button{cursor:pointer}
:focus-visible{outline:3px solid var(--amber);outline-offset:3px}
.wrap{width:min(1180px,calc(100% - 48px));margin-inline:auto}
.skip-link{position:absolute;left:16px;top:-80px;background:#fff;color:var(--navy);z-index:100;padding:10px 16px}
.skip-link:focus{top:12px}
.site-header{position:absolute;z-index:5;left:0;right:0;top:0;border-bottom:1px solid rgba(255,255,255,.2)}
.header-inner{min-height:88px;display:flex;align-items:center;gap:40px}
.brand{display:flex;align-items:center;flex:none}
.brand img{display:block;width:172px;height:auto}
.nav{display:flex;align-items:center;gap:30px;margin-left:auto}
.nav a{text-decoration:none;color:#ebf5f7;font-size:14px;font-weight:650;transition:color .2s}
.nav a:hover{color:var(--amber)}
.header-cta{display:inline-flex;align-items:center;gap:15px;padding:11px 16px;background:#fff;color:var(--navy);border-radius:5px;font-size:13px;font-weight:800;text-decoration:none;white-space:nowrap;transition:transform .2s,background .2s}
.header-cta:hover{background:var(--amber);transform:translateY(-2px)}
.header-cta span{font-size:18px;line-height:1}
.hero{position:relative;overflow:hidden;min-height:645px;background:var(--navy-deep);color:#fff}
.hero-photo{position:absolute;right:0;top:0;width:64%;height:100%;object-fit:cover;object-position:center}
.hero-shade{position:absolute;inset:0;background:linear-gradient(90deg,#061c2e 0%,#09283e 35%,rgba(9,39,61,.91) 48%,rgba(9,39,61,.35) 72%,rgba(9,39,61,.05) 100%)}
.hero::after{content:"";position:absolute;left:0;right:0;bottom:0;height:7px;background:linear-gradient(90deg,var(--amber) 0 24%,transparent 24%)}
.hero-inner{position:relative;z-index:1;min-height:645px;padding-top:145px;padding-bottom:74px;display:flex;align-items:center;justify-content:space-between;gap:28px}
.hero-copy{max-width:680px}
.hero-context{display:flex;gap:13px;align-items:center;color:#cfe3e8;font-size:14px;font-weight:700;margin:0 0 22px}
.context-rule{width:38px;height:2px;background:var(--amber);flex:none}
h1,h2,h3,p{margin-top:0}
h1,h2,h3{line-height:1.1;letter-spacing:-.035em}
h1{font-size:clamp(45px,5.1vw,72px);font-weight:800;max-width:710px;margin-bottom:22px}
.hero-lede{font-size:18px;line-height:1.58;max-width:595px;color:#e2ecee;margin-bottom:30px}
.hero-actions{display:flex;align-items:center;flex-wrap:wrap;gap:12px}
.button{display:inline-flex;justify-content:center;align-items:center;min-height:51px;padding:13px 21px;border-radius:5px;font-weight:800;font-size:15px;text-align:center;text-decoration:none;border:1px solid transparent;transition:transform .18s,background .18s,color .18s}
.button:hover{transform:translateY(-2px)}
.button-primary{background:var(--amber);border-color:var(--amber);color:var(--navy-deep)}
.button-primary:hover{background:#ffd58d;border-color:#ffd58d}
.button-ghost{border-color:rgba(255,255,255,.65);color:#fff;background:rgba(255,255,255,.07)}
.button-ghost:hover{background:rgba(255,255,255,.2)}
.hero-note{font-size:13px;color:#c3d2d8;margin:18px 0 0}
.hero-label{align-self:flex-end;display:flex;gap:12px;align-items:center;background:#fff;color:var(--navy);border-radius:5px;padding:13px 17px;box-shadow:var(--shadow);font-size:13px;line-height:1.28;white-space:nowrap;margin-bottom:2px}
.hero-label strong{font-size:15px}
.label-dot{width:11px;height:11px;border-radius:50%;background:var(--teal)}
.assurance-bar{background:var(--navy);color:#ecf4f5}
.assurance-inner{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;min-height:77px;align-items:center}
.assurance-inner span{position:relative;padding-left:20px;font-size:13px;font-weight:700}
.assurance-inner span::before{content:"";position:absolute;left:0;top:9px;width:8px;height:8px;border:2px solid var(--amber);border-radius:50%}
.section{padding-top:98px;padding-bottom:98px}
.section-heading{max-width:680px}
.section-kicker{color:var(--teal-dark);font-weight:800;font-size:14px;margin-bottom:14px}
h2{font-size:clamp(36px,3.8vw,53px);font-weight:800;margin-bottom:19px;color:var(--navy)}
.section-heading>p:last-child{font-size:18px;color:var(--muted);line-height:1.62}
.savings{display:grid;grid-template-columns:.87fr 1.13fr;column-gap:75px;align-items:start}
.savings .section-heading{position:sticky;top:32px}
.saving-list{border-top:1px solid var(--line)}
.saving-row{display:grid;grid-template-columns:68px 1fr;gap:18px;border-bottom:1px solid var(--line);padding:27px 0}
.saving-symbol{display:grid;place-items:center;width:54px;height:54px;background:var(--mist);color:var(--teal-dark);font-size:20px;font-weight:800;letter-spacing:-.06em;border-radius:5px}
.saving-row h3{font-size:21px;margin-bottom:8px;color:var(--navy)}
.saving-row p{color:var(--muted);font-size:15px;margin:0;line-height:1.55}
.savings-cta{grid-column:2;display:flex;justify-content:space-between;align-items:center;gap:20px;padding-top:24px}
.savings-cta p{font-size:12px;line-height:1.42;color:var(--muted);max-width:330px;margin:0}
.savings-cta a{font-weight:800;color:var(--teal-dark);text-decoration:none;white-space:nowrap}
.savings-cta a:hover{text-decoration:underline}
.coverage{background:var(--mist)}
.section-heading-wide{max-width:820px}
.coverage-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:41px}
.coverage-grid article{background:#fff;padding:29px 29px 28px;border-top:4px solid var(--teal);min-height:285px;display:flex;flex-direction:column}
.coverage-grid article:first-child{border-top-color:var(--navy)}
.coverage-grid article:last-child{border-top-color:var(--amber)}
.coverage-top{display:flex;justify-content:space-between;gap:10px;font-size:12px;font-weight:800;color:var(--muted);margin-bottom:25px}
.coverage-grid h3{font-size:31px;color:var(--navy);margin-bottom:15px}
.coverage-grid p{font-size:15px;color:var(--text);line-height:1.53;margin-bottom:23px}
.coverage-grid small{font-size:12px;color:var(--muted);line-height:1.5;margin-top:auto}
.coverage-disclaimer{color:var(--muted);font-size:13px;margin:18px 0 0}
.personal{padding-top:82px;padding-bottom:82px}
.personal-card{display:grid;grid-template-columns:1.12fr .88fr;gap:65px;background:var(--navy);color:#fff;padding:62px 66px;border-radius:9px;overflow:hidden;position:relative}
.personal-card::after{content:"";position:absolute;right:-76px;bottom:-180px;width:360px;height:360px;border:1px solid rgba(255,255,255,.1);border-radius:50%;box-shadow:0 0 0 75px rgba(255,255,255,.03)}
.personal-card .section-kicker{color:var(--amber)}
.personal-card h2{color:#fff;font-size:clamp(32px,3.3vw,47px)}
.personal-card p:not(.section-kicker){color:#d2e1e7;max-width:550px;line-height:1.62}
.personal-aside{position:relative;z-index:1;align-self:center;padding:26px 0 20px 32px;border-left:2px solid var(--amber)}
.personal-aside p{font-size:25px;font-weight:700;line-height:1.3;color:#fff!important;letter-spacing:-.025em;margin-bottom:13px}
.personal-aside>span{display:block;color:#c5dae1;font-size:14px;margin-bottom:24px}
.personal-aside a{display:inline-flex;gap:14px;align-items:center;color:var(--amber);text-decoration:none;font-weight:800}
.personal-aside a:hover{text-decoration:underline}
.lead-section{background:#f6f9f9}
.lead-layout{display:grid;grid-template-columns:.85fr 1.15fr;gap:78px;align-items:start}
.lead-intro{position:sticky;top:32px;padding-top:28px}
.lead-intro h2{font-size:clamp(38px,3.6vw,51px)}
.lead-intro>p:not(.section-kicker){font-size:17px;color:var(--muted);line-height:1.61}
.lead-promise{display:flex;align-items:flex-start;gap:12px;margin-top:20px;font-weight:700;color:var(--navy)}
.lead-promise span{color:var(--teal);font-size:21px;line-height:1}
.lead-form{background:#fff;border:1px solid var(--line);box-shadow:var(--shadow);padding:34px 37px;border-radius:8px;min-height:545px}
.honeypot{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}
.form-progress{display:flex;align-items:center;gap:16px;color:var(--muted);font-weight:700;font-size:12px;margin-bottom:37px}
.progress-track{height:5px;background:#e6eef0;border-radius:3px;flex:1;overflow:hidden}
.progress-track span{display:block;height:100%;width:33.333%;background:var(--teal);transition:width .25s}
.form-step{display:none;border:0;padding:0;margin:0;min-width:0}
.form-step.is-active{display:block}
.form-step legend{display:block;float:left;width:100%;font-size:27px;color:var(--navy);font-weight:800;line-height:1.18;letter-spacing:-.03em;margin-bottom:10px}
.form-step legend+.step-help{clear:both}
.contact-step h3{font-size:27px;color:var(--navy);margin-bottom:8px}
.step-help{color:var(--muted);font-size:14px;margin-bottom:23px}
.choice-grid{display:grid;gap:10px}
.choice{display:block;position:relative;cursor:pointer}
.choice input{position:absolute;opacity:0;inset:0;width:100%;height:100%;cursor:pointer}
.choice span{display:block;border:1px solid var(--line);border-radius:5px;padding:16px 18px;font-weight:800;color:var(--navy);transition:border-color .18s,background .18s,box-shadow .18s}
.choice small{display:block;font-weight:500;color:var(--muted);margin-top:3px;font-size:12px}
.choice input:checked+span{border-color:var(--teal);background:#eef9f7;box-shadow:inset 4px 0 var(--teal)}
.choice input:focus-visible+span{outline:3px solid var(--amber);outline-offset:2px}
.choice:hover span{border-color:var(--teal)}
.step-actions{display:flex;justify-content:space-between;align-items:center;gap:20px;margin-top:29px}
.step-actions .button{border:0}
.step-actions .next-step:first-child{margin-left:auto}
.text-button{border:0;background:none;padding:12px 2px;color:var(--teal-dark);font-weight:800}
.text-button:hover{text-decoration:underline}
.field-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.field-grid label{display:flex;flex-direction:column;gap:6px;font-size:13px;color:var(--navy);font-weight:800}
.field-grid .field-wide{grid-column:1/-1}
.field-grid input{width:100%;border:1px solid #b8cbd2;border-radius:5px;min-height:44px;padding:10px 12px;color:var(--navy);background:#fff;font-size:15px;font-weight:500}
.field-grid input::placeholder{color:#8799a1}
.field-grid input:focus{border-color:var(--teal);outline:3px solid rgba(11,141,131,.15)}
.consent{display:flex;gap:11px;align-items:flex-start;color:var(--muted);font-size:12px;line-height:1.5;margin-top:18px;cursor:pointer}
.consent input{accent-color:var(--teal);width:17px;height:17px;flex:none;margin:1px 0 0}
.consent a{color:var(--teal-dark);font-weight:800}
.form-error{color:#a02222;background:#fff0ec;border-left:3px solid #bd3c2b;padding:10px 12px;font-size:13px;margin:18px 0 0}
.form-footnote{font-size:12px;color:var(--muted);margin:13px 0 0}
.success[hidden]{display:none}
.success{text-align:center;padding:66px 20px}
.success-mark{display:grid;place-items:center;width:58px;height:58px;border-radius:50%;background:#e6f6f2;color:var(--teal-dark);font-size:30px;font-weight:800;margin:0 auto 18px}
.success h3{font-size:30px;color:var(--navy);margin-bottom:10px}
.success p{color:var(--muted)}
.faq{display:grid;grid-template-columns:.75fr 1.25fr;gap:80px}
.faq-list{border-top:1px solid var(--line)}
.faq-list details{border-bottom:1px solid var(--line);padding:22px 0}
.faq-list summary{cursor:pointer;list-style:none;font-weight:800;color:var(--navy);padding-right:24px;position:relative}
.faq-list summary::-webkit-details-marker{display:none}
.faq-list summary::after{content:"+";position:absolute;right:1px;top:-2px;font-size:23px;color:var(--teal-dark);font-weight:400}
.faq-list details[open] summary::after{content:"−"}
.faq-list details p{color:var(--muted);font-size:14px;line-height:1.6;margin:13px 40px 0 0}
.footer{background:var(--navy-deep);color:#d4e0e7;padding:55px 0 21px}
.footer-inner{display:grid;grid-template-columns:2fr 1fr 1fr;gap:50px}
.footer img{width:160px;height:auto;display:block;margin-bottom:20px}
.footer p{font-size:13px;line-height:1.55;margin-bottom:8px}
.footer-title{font-weight:800;color:#fff;margin:2px 0 15px!important}
.footer a{display:block;text-decoration:none;font-size:13px;margin:0 0 10px;color:#d4e0e7}
.footer a:hover{text-decoration:underline;color:#fff}
.footer-bottom{display:flex;justify-content:space-between;gap:20px;border-top:1px solid rgba(255,255,255,.18);padding-top:18px;margin-top:40px;color:#93aab6;font-size:11px}
@media(max-width:1050px){.nav{gap:18px}.header-inner{gap:22px}.hero-copy{max-width:600px}.hero-label{display:none}.savings,.lead-layout{gap:42px}.personal-card{gap:40px;padding:50px}.faq{gap:45px}}
@media(max-width:800px){.wrap{width:min(100% - 36px,680px)}.header-inner{min-height:80px}.brand img{width:150px}.nav{display:none}.header-cta{margin-left:auto}.hero{min-height:0}.hero-photo{width:100%;height:310px;top:auto;bottom:0;object-position:55% 58%}.hero-shade{background:linear-gradient(180deg,#061c2e 0%,#09283e 54%,rgba(9,39,61,.97) 60%,rgba(9,39,61,.22) 100%)}.hero-inner{min-height:750px;align-items:flex-start;padding-top:145px;padding-bottom:340px}.hero-copy{max-width:630px}h1{font-size:clamp(43px,7.5vw,64px)}.hero-lede{font-size:17px}.assurance-inner{grid-template-columns:1fr;gap:13px;padding-block:21px}.section{padding-top:75px;padding-bottom:75px}.savings,.lead-layout,.faq{grid-template-columns:1fr}.savings .section-heading,.lead-intro{position:static}.savings-cta{grid-column:1}.coverage-grid{grid-template-columns:1fr}.coverage-grid article{min-height:0}.personal-card{grid-template-columns:1fr;gap:22px}.personal-aside{padding-top:10px;padding-bottom:5px}.lead-intro{padding-top:0}.faq{gap:10px}.footer-inner{grid-template-columns:1fr 1fr;gap:30px}.footer-inner>div:first-child{grid-column:1/-1}}
@media(max-width:560px){.wrap{width:calc(100% - 32px)}.header-inner{min-height:72px}.brand img{width:130px}.header-cta{padding:9px 10px;font-size:11px;gap:6px}.hero-inner{padding-top:120px;min-height:765px;padding-bottom:305px}.hero-photo{height:275px;object-position:55%}.hero-shade{background:linear-gradient(180deg,#061c2e 0%,#09283e 63%,rgba(9,39,61,.8) 68%,rgba(9,39,61,.1) 100%)}h1{font-size:clamp(37px,10vw,48px)}.hero-context{font-size:12px;line-height:1.4}.hero-lede{font-size:15px}.hero-actions{align-items:stretch;flex-direction:column}.hero-actions .button{width:100%}.hero-note{font-size:11px}.assurance-inner span{font-size:12px}.section{padding-top:62px;padding-bottom:62px}h2{font-size:clamp(32px,8.5vw,42px)}.section-heading>p:last-child{font-size:16px}.saving-row{grid-template-columns:52px 1fr;gap:13px;padding:22px 0}.saving-symbol{width:44px;height:44px;font-size:17px}.saving-row h3{font-size:18px}.saving-row p{font-size:14px}.savings-cta{display:block}.savings-cta a{display:inline-block;margin-top:14px}.coverage-grid{margin-top:28px}.coverage-grid article{padding:24px}.personal-card{padding:32px 24px}.personal-card h2{font-size:34px}.personal-aside p{font-size:22px}.lead-layout{gap:30px}.lead-form{padding:27px 20px;min-height:475px}.form-step legend,.contact-step h3{font-size:24px}.field-grid{grid-template-columns:1fr;gap:12px}.step-actions{gap:13px}.step-actions .button{padding-inline:15px}.footer-inner{grid-template-columns:1fr;gap:25px}.footer-inner>div:first-child{grid-column:auto}.footer-bottom{display:block}.footer-bottom span{display:block;margin-top:8px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{transition-duration:.01ms!important;animation-duration:.01ms!important}}