@font-face{font-family:Newsreader;src:url('/fonts/newsreader-latin.woff2') format('woff2');font-style:normal;font-weight:400;font-display:swap}
@font-face{font-family:Manrope;src:url('/fonts/manrope-latin.woff2') format('woff2');font-style:normal;font-weight:200 800;font-display:swap}
:root{--navy:#0B1931;--ivory:#F7F3EB;--gold:#C7A86D;--crimson:#B73545;--white:#fff;--ink:var(--navy);--text:#344156;--muted:#586271;--line:#d5d0c6;--paper:var(--ivory);--display:Newsreader,Georgia,serif;--body:Manrope,Arial,sans-serif;--space-1:.5rem;--space-2:1rem;--space-3:1.5rem;--space-4:2rem;--space-5:3rem;--space-6:5rem;--space-7:7.5rem;--radius:3px;--shadow:0 18px 54px #0b193114;--ease:cubic-bezier(.2,.7,.2,1);--duration:180ms}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:24px}body{margin:0;background:var(--paper);color:var(--text);font-family:var(--body);font-size:18px;line-height:1.75;-webkit-font-smoothing:antialiased}a{color:inherit;text-underline-offset:5px}a,summary{-webkit-tap-highlight-color:transparent}a:focus-visible,summary:focus-visible{outline:3px solid var(--crimson);outline-offset:5px}.rate-section a:focus-visible,.final-section a:focus-visible{outline-color:var(--gold)}img{max-width:100%;display:block}h1,h2,h3,p,figure{margin:0}h1,h2,h3{color:var(--ink)}h1,h2{font-family:var(--display);font-weight:400;letter-spacing:-.042em;line-height:1.04}h1{font-size:clamp(50px,5.35vw,80px)}h2{font-size:clamp(42px,4.1vw,62px)}h3{font-family:var(--display);font-size:32px;font-weight:450;line-height:1.15;letter-spacing:-.025em}h1 em,h2 em{font-style:normal;color:#6f5732;font-weight:400}p+p{margin-top:18px}.container{width:min(1280px,calc(100% - 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img{width:100%;height:100%;object-fit:cover;object-position:49% center;border-radius:inherit}.hero-photo:after{content:'';position:absolute;inset:35% 0 0;background:linear-gradient(transparent,rgba(11,25,49,.76) 35%,rgba(11,25,49,.9));border-radius:inherit;pointer-events:none}.hero-photo:before{content:'';position:absolute;top:20px;right:-18px;width:1px;height:100px;background:var(--gold)}.hero-photo figcaption{position:absolute;bottom:38px;left:32px;right:30px;color:white;z-index:1}.photo-index{font-size:10px;letter-spacing:1.8px;background:var(--navy);color:var(--ivory);display:inline-block;padding:4px 8px}.hero-photo strong{font-family:var(--display);font-weight:400;line-height:1.04;display:block;font-size:42px;letter-spacing:-.025em;margin-top:12px}.photo-note{position:absolute;bottom:-30px;left:0;font-size:11px;color:var(--muted)}.trust-strip{border-block:1px solid var(--line)}.trust-grid{display:grid;grid-template-columns:repeat(3,1fr);padding-block:28px;gap:32px}.trust-grid p{font-size:13px;padding-left:42px;position:relative;margin:0}.trust-grid strong{display:block;color:var(--ink);font-size:15px;font-weight:650}.trust-grid p>span{position:absolute;left:0;top:0;font-family:var(--display);font-size:27px;color:#75603b}.section{padding:112px 0}.section-heading{display:flex;justify-content:space-between;align-items:end;gap:48px;margin-bottom:48px}.section-heading>p{max-width:370px;font-size:17px}.coverage-grid{display:grid;grid-template-columns:1.05fr 1fr;grid-template-rows:1fr 1fr;gap:0 60px}.coverage-card{display:flex;flex-direction:column;align-items:flex-start;padding:28px 0;border-top:1px solid var(--line)}.coverage-card:first-child{grid-row:1/3;background:var(--navy);padding:44px;color:#e1e4eb;position:relative;border:0;overflow:hidden}.coverage-card:first-child:after{content:'V';font-family:var(--display);position:absolute;right:-18px;bottom:-136px;font-size:430px;line-height:1;opacity:.05;pointer-events:none}.coverage-card:first-child h3{color:var(--ivory);font-size:52px;max-width:290px}.coverage-card:first-child .card-number{color:var(--gold);margin-bottom:56px}.coverage-card:first-child .fine{color:#c0c7d2}.coverage-card:first-child .text-link{color:var(--ivory);border-color:var(--gold)}.card-number{font-size:10px;font-weight:750;letter-spacing:1.6px;color:#725a34;margin-bottom:17px}.coverage-card h3{margin-bottom:16px}.coverage-card p{font-size:17px;max-width:410px}.coverage-card .fine{font-size:14px;margin-top:14px;margin-bottom:20px}.text-link{font-size:15px;font-weight:700;color:var(--navy);text-decoration:none;border-bottom:1px solid #91764b;padding-block:7px;display:inline-flex;align-items:center;justify-content:space-between;gap:24px;min-height:44px;transition:gap var(--duration) var(--ease)}.text-link:hover{gap:32px}.coverage-card .text-link{margin-top:auto;z-index:1}.section-cta{display:flex;align-items:center;gap:27px;margin-top:36px}.section-cta>span{font-size:14px}.rate-section{background:var(--navy);padding:78px 0;color:#e2e7ee;position:relative}.rate-grid{display:grid;grid-template-columns:1.4fr .8fr;align-items:center;gap:100px}.rate-section h2{color:var(--ivory);font-size:clamp(44px,4vw,60px)}.rate-section .lead{font-size:18px;margin-top:24px;max-width:500px}.rate-section .eyebrow{color:var(--gold)}.rate-action{border-left:1px solid #455067;padding-left:48px}.rate-action>p:first-child{font-size:18px;margin-bottom:20px}.rate-action .button{width:100%}.rate-action .fine{margin-top:18px;color:#c0c8d4}.about-section{background:#eae5da}.about-grid{display:grid;grid-template-columns:.85fr 1.1fr;gap:112px;align-items:center}.portrait-wrap{position:relative;padding:32px 0 50px 26px}.portrait-wrap:before{content:'';position:absolute;left:0;top:60px;bottom:16px;width:80%;border:1px solid #b9a37d}.portrait-wrap img{position:relative;width:100%;height:auto;aspect-ratio:1/1.13;object-fit:cover;object-position:50% 25%;border-radius:2px;filter:saturate(.86)}.portrait-index{position:absolute;top:0;left:26px;font-size:10px;letter-spacing:1.7px;font-weight:650;color:#685739}.portrait-caption{position:absolute;bottom:0;right:0;padding:12px 0;font-family:var(--display);font-size:24px;color:var(--navy)}.about-grid h2{margin-bottom:26px}.about-grid .lead{font-size:22px;line-height:1.6}.about-grid .lead+p{font-size:17px;margin-top:20px}.agent-signature{margin:28px 0;border-left:2px solid #a4864e;padding-left:18px}.agent-signature>*{display:block}.agent-signature strong{font-size:18px;color:var(--ink)}.agent-signature span{font-size:13px}.about-grid .fine{margin-top:18px}.senior-grid{display:grid;grid-template-columns:1.15fr .8fr;gap:100px;align-items:center}.senior-grid .lead{margin-top:28px}.senior-grid .lead+p{font-size:17px;margin-top:20px}.senior-note{border:1px solid #c4b69d;padding:40px;background:#f0eadf}.chapter-mark{font-family:var(--display);font-size:39px;color:#735e3c;line-height:1.06;display:block;margin-bottom:35px}.chapter-mark em{font-style:normal}.senior-note h3{font-family:var(--body);font-size:22px;font-weight:600;line-height:1.4;letter-spacing:-.5px}.senior-note ul{padding:22px 0 22px 21px;font-size:16px}.senior-note li+li{margin-top:12px}.senior-note li::marker{color:#82683d}.education-section{padding-top:0}.education-grid{display:grid;grid-template-columns:1fr 1.4fr 1fr;gap:40px}.education-grid article{border-top:1px solid #ab9270;padding-top:27px}.education-grid h3{font-size:28px;margin-bottom:20px}.education-grid p{font-size:16px}.faq-section{padding-top:0}.faq-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:100px}.faq-grid h2{margin-bottom:26px}.faq-grid>div>p:not(.eyebrow){font-size:16px}.faqs{border-top:1px solid var(--line)}details{border-bottom:1px solid var(--line)}summary{padding:25px 42px 25px 0;cursor:pointer;font-size:17px;color:var(--ink);font-weight:650;position:relative;list-style:none;transition:color var(--duration) var(--ease)}summary:hover{color:#91293a}summary::-webkit-details-marker{display:none}summary:after{content:'+';position:absolute;right:2px;top:21px;font-size:27px;font-weight:400;color:#715b35}details[open] summary:after{content:'−'}details p{font-size:16px;margin:0 35px 26px 0}details[open] p{animation:reveal .2s var(--ease)}@keyframes reveal{from{opacity:.4;transform:translateY(-3px)}to{opacity:1;transform:none}}.final-section{background:var(--navy);color:#d1d8e2;padding:78px 0 86px}.final-inner{text-align:center}.closing-mark{margin:0 auto 30px;width:56px;height:56px}.final-inner h2{color:var(--ivory);font-size:clamp(48px,5vw,76px)}.final-inner .eyebrow{color:var(--gold)}.final-inner>p:not(.eyebrow){margin-top:26px}.final-inner .actions{justify-content:center}.final-inner .fine{color:#c1cbd8}footer{background:var(--ivory);padding:60px 0 28px}.footer-top{display:grid;grid-template-columns:1fr 1.1fr .8fr;gap:45px;padding-bottom:42px}.footer-top>div{font-size:14px;display:flex;flex-direction:column;gap:10px}.footer-top>div strong{font-size:17px;color:var(--ink)}.footer-top>div a{overflow-wrap:anywhere}.footer-top>div:last-child a{min-height:32px}.disclosures{border-top:1px solid var(--line);padding-top:28px;font-size:13px;line-height:1.85}.disclosures p+p{margin-top:16px}.mobile-actions{display:none}.skip-link{position:fixed;top:10px;left:10px;background:var(--ivory);padding:15px;z-index:50;transform:translateY(-150%)}.skip-link:focus{transform:none}
@media(max-width:1150px){.container{width:calc(100% - 64px)}.header nav{gap:18px;font-size:13px}.hero-grid{gap:36px}.hero-photo{height:550px}.hero .actions{flex-direction:column;align-items:stretch}.hero .button{min-height:55px}.hero h1{font-size:60px}.rate-grid,.senior-grid,.about-grid,.faq-grid{gap:50px}.coverage-grid{gap:0 36px}.coverage-card:first-child{padding:32px}.education-grid{gap:28px}.footer-top{gap:28px}.brand{font-size:21px}.brand small{font-size:13px}}
@media(min-width:761px) and (max-width:900px){.header nav{gap:14px}.header .button-small{display:none}.hero-grid{gap:28px;grid-template-columns:1.1fr 1fr}.hero h1{font-size:52px}.hero .lead{font-size:16px}.hero-photo{height:540px}.hero-photo strong{font-size:34px}.hero-photo figcaption{left:24px}.hero .eyebrow{font-size:9px;letter-spacing:1px}.section{padding:80px 0}.coverage-card:first-child h3{font-size:42px}.rate-grid{gap:32px}.rate-action{padding-left:28px}.senior-grid{grid-template-columns:1fr}.senior-note{display:block}.about-grid{gap:40px;grid-template-columns:.9fr 1.1fr}.about-grid .button{font-size:14px;padding-inline:14px}.education-grid{grid-template-columns:1fr}.faq-grid{gap:40px}.footer-top{grid-template-columns:1fr 1.3fr}.footer-top>div:last-child{grid-column:1/-1;flex-direction:row;gap:28px}}
@media(max-width:760px){body{font-size:18px}.container{width:calc(100% - 40px)}.topline{font-size:9px;letter-spacing:1.6px;padding:7px 0}.topline .container>span:last-child{display:none}.header-inner{min-height:104px;gap:0;flex-wrap:wrap;padding-top:13px}.brand{font-size:20px;gap:9px}.brand small{font-size:12px;letter-spacing:1px}.brand-mark{width:39px;height:39px}.header .button-small{display:none}.header nav{order:3;width:100%;justify-content:space-between;gap:12px;font-size:13px;margin-top:9px;border-top:1px solid var(--line)}.header nav a{padding:11px 0;min-height:44px}.hero{padding:25px 0 34px}.hero-grid{grid-template-columns:1fr;gap:30px}.hero-copy{padding:0}.hero h1{font-size:44px;line-height:1.04;letter-spacing:-.045em}.hero .eyebrow{font-size:9px;letter-spacing:1.2px;margin-bottom:17px;gap:8px}.hero .eyebrow>span{width:18px}.hero .lead{font-size:16px;line-height:1.6;margin-top:18px}.hero .actions{flex-direction:column;align-items:stretch;gap:9px;margin-top:21px}.hero .button{font-size:16px;min-height:54px;padding:12px 16px;gap:18px}.hero .reassurance{font-size:13px;margin-top:14px}.hero-copy>.fine{font-size:12px;line-height:1.65;margin-top:6px}.hero-photo{height:375px;border-radius:2px 2px 82px 2px;margin-bottom:24px}.hero-photo:before{right:-9px;top:16px;height:75px}.hero-photo figcaption{left:24px;bottom:29px}.hero-photo strong{font-size:39px}.photo-index{font-size:9px;letter-spacing:1.1px}.photo-note{bottom:-25px;font-size:10px}.trust-grid{grid-template-columns:1fr;gap:20px;padding-block:26px}.trust-grid p{padding-left:42px;font-size:13px}.trust-grid strong{font-size:15px}.section{padding:66px 0}.section-heading{display:block;margin-bottom:30px}.section-heading>p{margin-top:22px;max-width:none;font-size:17px}.eyebrow{font-size:10px;margin-bottom:18px}h2{font-size:45px;line-height:1.07}.coverage-grid{grid-template-columns:1fr;grid-template-rows:auto;gap:28px}.coverage-card:first-child{grid-row:auto;padding:30px;min-height:420px}.coverage-card:first-child .card-number{margin-bottom:32px}.coverage-card:first-child h3{font-size:46px}.coverage-card{padding:24px 0 0}.coverage-card h3{font-size:33px}.coverage-card .fine{margin-bottom:17px}.coverage-card p{font-size:17px}.section-cta{align-items:stretch;flex-direction:column;gap:18px;margin-top:28px}.section-cta>span{text-align:center;font-size:14px}.button{font-size:16px}.rate-section{padding:52px 0}.rate-grid,.senior-grid,.about-grid,.faq-grid{grid-template-columns:1fr;gap:34px}.rate-section h2{font-size:44px}.rate-section .lead{font-size:18px}.rate-action{border-left:0;border-top:1px solid #455067;padding:26px 0 0}.rate-action>p:first-child{font-size:18px}.rate-action .fine{font-size:14px}.portrait-wrap{max-width:460px;padding:28px 0 46px 20px}.portrait-index{left:20px;font-size:9px}.portrait-wrap img{aspect-ratio:1/1.08}.portrait-caption{font-size:23px}.about-grid{gap:38px}.about-grid .lead{font-size:21px}.about-grid .button{width:100%;font-size:14px;gap:14px}.about-grid .fine{font-size:14px}.senior-note{padding:29px}.senior-grid .lead{font-size:20px}.senior-grid .button{width:100%}.chapter-mark{font-size:36px;margin-bottom:26px}.education-section{padding-top:0}.education-grid{grid-template-columns:1fr;gap:34px}.education-grid h3{font-size:30px}.education-grid p{font-size:17px}.faq-section{padding-top:0}.faq-grid{gap:28px}summary{font-size:17px;padding-block:23px;line-height:1.6}details p{font-size:16px}.final-section{padding:54px 0}.closing-mark{margin-bottom:24px}.final-inner h2{font-size:48px}.final-inner>p:not(.eyebrow){font-size:17px;margin-top:22px}.final-inner .actions{flex-direction:column}.final-inner .fine{font-size:13px!important}.footer-top{grid-template-columns:1fr;gap:30px}.footer-top>div:last-child{gap:4px}.footer-top>div:last-child a{min-height:44px;padding-block:8px}.disclosures{font-size:13px}footer{padding-bottom:calc(11rem + env(safe-area-inset-bottom))}.mobile-actions{position:fixed;bottom:0;left:0;right:0;z-index:20;display:grid;grid-template-columns:1.05fr 1fr;gap:8px;padding:10px 14px max(10px,env(safe-area-inset-bottom));background:var(--ivory);border-top:1px solid var(--line);box-shadow:0 -4px 24px #0b193110}.mobile-actions .button{font-size:14px;padding:12px 8px;min-height:52px;gap:8px;letter-spacing:0}.mobile-actions .button>span{font-size:18px}html,body{scroll-padding-bottom:calc(11rem + env(safe-area-inset-bottom))}a,summary{scroll-margin-bottom:calc(11rem + env(safe-area-inset-bottom))}}
@media(max-width:360px){.container{width:calc(100% - 32px)}.hero h1{font-size:44px}.hero .eyebrow{font-size:8px;letter-spacing:.9px}.mobile-actions{gap:6px;padding-inline:8px}.mobile-actions .button{gap:4px;font-size:14px}.mobile-actions .button>span{display:none}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{animation:none!important;transition:none!important}.button:hover{transform:none}}

/* Budgets are planning prompts, never quoted premiums or interactive quote tiers. */
.budget-guide{display:grid;grid-template-columns:1fr 1.2fr;gap:70px;border-top:1px solid #455067;margin-top:48px;padding-top:36px}.budget-heading h3{font-size:32px;color:var(--ivory);max-width:360px}.budget-heading .eyebrow{font-size:10px;margin-bottom:16px}.budget-ranges{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(4,1fr);gap:8px}.budget-ranges li{border:1px solid #657087;padding:10px 8px;text-align:center;font-size:16px;font-weight:650;color:var(--ivory)}.budget-guide .fine{color:#c0c8d4;margin-top:16px}.budget-guide .text-link{color:var(--ivory);border-color:var(--gold);margin-top:12px}.budget-guide a:focus-visible{outline-color:var(--gold)}
@media(max-width:1050px){.budget-guide{gap:32px}.budget-ranges{grid-template-columns:repeat(2,1fr)}}
@media(max-width:760px){.budget-guide{grid-template-columns:1fr;gap:24px;margin-top:36px;padding-top:30px}.budget-heading h3{font-size:31px}.budget-ranges li{font-size:17px;padding:12px 8px}.budget-guide .text-link{font-size:16px}}