@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700&family=Libre+Franklin:wght@600;700;800&display=swap');
:root { --ink:#17334d; --blue:#397da6; --blue-dark:#2b668a; --gold:#c79a4b; --paper:#f7fafc; --line:#dde7ed; --white:#fff; }
* { box-sizing:border-box; }
html { scroll-behavior:smooth; }
body { margin:0; color:var(--ink); font-family:"DM Sans",ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif; background:var(--white); line-height:1.58; letter-spacing:-.008em; }
a { color:var(--blue); }
.skip-link { position:fixed; left:16px; top:-80px; z-index:100; padding:12px 16px; border-radius:6px; background:#fff; color:#000; box-shadow:0 4px 20px #0003; }
.skip-link:focus { top:16px; }
.announcement { padding:9px 20px; background:#3f7696; color:#fff; text-align:center; font-size:13px; }
.site-header { position:sticky; top:0; z-index:10; display:flex; align-items:center; gap:28px; padding:17px clamp(20px,5vw,76px); background:rgba(255,255,255,.97); border-bottom:1px solid var(--line); backdrop-filter:blur(12px); }
.brand img { display:block; width:128px; height:58px; object-fit:contain; object-position:center; }
.site-header nav { display:flex; gap:25px; margin-left:auto; }
.menu-toggle { display:none; width:44px; height:44px; padding:10px; border:1px solid var(--line); border-radius:8px; background:#fff; cursor:pointer; }
.menu-toggle span { display:block; width:22px; height:2px; margin:4px 0; border-radius:2px; background:var(--ink); transition:transform .18s ease,opacity .18s ease; }
.site-header a, footer a { color:inherit; text-decoration:none; }
.site-header nav a:hover, .site-header nav a:focus, .login:hover, .login:focus { color:var(--blue); }
.header-actions { display:flex; align-items:center; gap:18px; }
.button { display:inline-flex; align-items:center; justify-content:center; padding:14px 22px; border:0; border-radius:8px; background:var(--blue); color:#fff!important; font-weight:600; text-decoration:none; cursor:pointer; }
.button:hover { background:var(--blue-dark); }
.button:focus-visible, a:focus-visible, input:focus-visible, select:focus-visible, textarea:focus-visible { outline:3px solid #f0b94e; outline-offset:3px; }
.button.small { padding:10px 16px; }
.page-hero { padding:clamp(64px,9vw,120px) clamp(20px,8vw,130px); background:radial-gradient(circle at 82% 18%,#e6f2ff 0,transparent 32%),linear-gradient(135deg,#f8fbff,#fff); }
.page-hero h1 { max-width:970px; }
.eyebrow { margin:0 0 14px; color:var(--blue); font-size:12px; font-weight:800; letter-spacing:.16em; text-transform:uppercase; }
h1,h2,h3 { margin-top:0; font-family:"Libre Franklin","DM Sans",ui-sans-serif,system-ui,sans-serif; line-height:1.14; letter-spacing:-.035em; }
h1 { max-width:850px; margin-bottom:24px; font-size:clamp(39px,5.4vw,68px); font-weight:650; }
h2 { font-size:clamp(28px,3.5vw,43px); font-weight:600; }
h3 { font-size:20px; font-weight:600; letter-spacing:-.02em; }
.lead { max-width:780px; font-size:clamp(18px,2vw,23px); color:#44566c; }
.hero-actions { display:flex; flex-wrap:wrap; align-items:center; gap:24px; margin-top:32px; }
.home-hero { min-height:590px; display:flex; flex-direction:column; justify-content:center; background:linear-gradient(90deg,rgba(248,251,255,.99) 0%,rgba(248,251,255,.92) 56%,rgba(248,251,255,.24) 100%),radial-gradient(circle at 84% 40%,#d8e9f7 0,transparent 38%),linear-gradient(135deg,#f8fbff,#fff); }
.contact-hero { padding-top:clamp(58px,7vw,92px); padding-bottom:clamp(58px,7vw,92px); }
.contact-hero h1 { max-width:820px; font-size:clamp(38px,4.6vw,62px); }
.contact-hero .lead { max-width:690px; }
.text-link { font-weight:750; text-decoration:none; }
.content-wrap { padding:78px clamp(20px,8vw,130px); }
.home-intro { display:grid; grid-template-columns:minmax(220px,.55fr) minmax(360px,1.45fr); align-items:center; gap:clamp(38px,7vw,90px); padding:12px 0 76px; border-bottom:1px solid var(--line); }
.home-intro__mark { display:flex; justify-content:center; padding:34px; border:1px solid var(--line); border-radius:24px; background:#fff; box-shadow:0 20px 55px rgba(31,73,104,.11); }
.home-intro__mark img { width:min(100%,390px); max-height:260px; object-fit:contain; }
.home-intro > div:last-child > p:not(.eyebrow) { max-width:720px; color:#4d5e72; font-size:18px; }
.contact-panel { padding:8px 0 62px; }
.contact-panel__intro { display:grid; grid-template-columns:.72fr 1.28fr; column-gap:60px; align-items:start; margin-bottom:34px; }
.contact-panel__intro .eyebrow { grid-column:1/-1; }
.contact-panel__intro h2 { margin-bottom:0; }
.contact-panel__intro > p:last-child { max-width:620px; margin:7px 0 0; color:#53657a; font-size:17px; }
.contact-grid { display:grid; grid-template-columns:repeat(3,minmax(0,1fr)); gap:18px; }
.contact-card { display:flex; min-height:270px; flex-direction:column; padding:28px; border:1px solid var(--line); border-radius:16px; background:#fff; box-shadow:0 14px 38px rgba(23,51,77,.07); }
.contact-card__label { width:max-content; margin-bottom:22px; padding:6px 10px; border-radius:999px; background:#eaf3f9; color:var(--blue-dark); font-size:11px; font-weight:700; letter-spacing:.13em; text-transform:uppercase; }
.contact-card h3 { overflow-wrap:anywhere; }
.contact-card h3 a { color:var(--ink); text-decoration:none; }
.contact-card p,.contact-card address { margin:0 0 22px; color:#53657a; font-style:normal; }
.contact-card__action { margin-top:auto; font-weight:650; text-decoration:none; }
.contact-client-note { display:flex; align-items:center; justify-content:space-between; gap:24px; margin-top:18px; padding:24px 28px; border-radius:14px; background:#eef4fa; }
.contact-client-note div { display:flex; flex-direction:column; gap:3px; }
.contact-client-note span { color:#53657a; }
.trust-row { display:flex; flex-wrap:wrap; gap:10px; margin-top:26px; }
.trust-row span { padding:8px 12px; border:1px solid #ced9e5; border-radius:999px; color:#2e506e; background:#f7fafc; font-size:13px; font-weight:700; }
.content-block { display:grid; grid-template-columns:minmax(240px,.8fr) minmax(300px,1.2fr); gap:60px; padding:45px 0; border-bottom:1px solid var(--line); }
.content-block:last-child { border-bottom:0; }
.content-block p { max-width:760px; margin:0; color:#4d5e72; font-size:17px; }
.campaign-highlights { padding:8px 0 58px; border-bottom:1px solid var(--line); }
.campaign-highlights h2 { max-width:780px; }
.campaign-highlights ul { display:grid; grid-template-columns:repeat(2,minmax(0,1fr)); gap:14px; margin:30px 0 0; padding:0; list-style:none; }
.campaign-highlights li { display:flex; gap:12px; padding:20px; border:1px solid var(--line); border-radius:12px; background:#f8fbff; color:#405268; font-size:16px; }
.campaign-highlights li span { color:#24704a; font-weight:800; }
.campaign-faq { padding:64px 0 12px; }
.campaign-faq > div { display:grid; gap:12px; max-width:920px; margin-top:30px; }
.campaign-faq details { padding:20px 22px; border:1px solid var(--line); border-radius:12px; background:#fff; }
.campaign-faq summary { cursor:pointer; font-weight:650; }
.campaign-faq details p { margin:14px 0 0; color:#4d5e72; }
.campaign-quote { scroll-margin-top:140px; }
.section { padding:32px 0; }
.cards { display:grid; grid-template-columns:repeat(3,1fr); gap:18px; margin-top:36px; }
.cards article { padding:28px; border:1px solid var(--line); border-radius:12px; background:#fff; transition:.2s; }
.cards article:hover { transform:translateY(-3px); box-shadow:0 18px 45px rgba(16,35,63,.1); }
.cards p { color:#5e6d80; }
.cards a { font-weight:600; text-decoration:none; }
.quote-hub { padding:10px 0 58px; }
.quote-hub > p:not(.eyebrow) { max-width:760px; color:#4d5e72; font-size:17px; }
.quote-options { display:grid; grid-template-columns:repeat(2,1fr); gap:18px; margin-top:34px; }
.quote-options article { display:flex; flex-direction:column; align-items:flex-start; padding:28px; border:1px solid var(--line); border-radius:14px; background:#fff; box-shadow:0 10px 30px rgba(16,35,63,.06); }
.quote-options article p { flex:1; color:#5e6d80; }
.quote-options .button { width:100%; margin-top:12px; text-align:center; }
.state-resources { display:grid; grid-template-columns:1fr 1fr; gap:50px; margin-top:64px; padding:36px; border-left:5px solid var(--gold); border-radius:10px; background:#f8fbff; }
.state-resources h2 { font-size:30px; }
.state-resources p { color:#4d5e72; }
.state-resources ul { margin:0; padding-left:22px; }
.state-resources li { margin:12px 0; }
.state-resources a { font-weight:600; }
.legal-copy { max-width:920px; margin:auto; }
.legal-copy h2 { margin-top:52px; font-size:30px; }
.legal-copy h2:first-child { margin-top:0; }
.legal-copy p, .legal-copy li { color:#405268; font-size:17px; }
.quote-section { display:grid; grid-template-columns:.7fr 1.3fr; gap:70px; padding:90px clamp(20px,8vw,130px); background:var(--paper); }
.lead-form { display:grid; grid-template-columns:1fr 1fr; gap:16px; padding:28px; border:1px solid var(--line); border-radius:14px; background:#fff; box-shadow:0 25px 70px rgba(16,35,63,.09); }
label { font-size:13px; font-weight:700; }
input,select,textarea { display:block; width:100%; margin-top:6px; padding:12px; border:1px solid #9eafc1; border-radius:7px; background:#fff; color:var(--ink); font:inherit; }
.wide { grid-column:1/-1; }
.honeypot { position:absolute; left:-9999px; }
.consent { display:flex; align-items:flex-start; gap:10px; font-weight:500; }
.consent input { width:18px; height:18px; flex:0 0 18px; margin:3px 0 0; }
.form-note,.form-status { margin:0; color:#5f7085; font-size:12px; }
.form-status.success { color:#166534; }
.form-status.error { color:#b91c1c; }
.service { display:flex; align-items:center; justify-content:space-between; gap:40px; padding:65px clamp(20px,8vw,130px); background:var(--blue); color:#fff; }
.service h2 { max-width:720px; margin-bottom:0; }
.service .eyebrow { color:#c9e4ff; }
.service-actions { display:flex; align-items:center; gap:22px; }
.service-actions a { color:#fff; font-weight:600; text-decoration:none; }
.button.light { background:#fff; color:var(--blue)!important; }
.account-access { display:grid; grid-template-columns:.7fr 1.3fr; gap:60px; padding:72px clamp(20px,8vw,130px); background:#eef4fa; }
.access-cards { display:grid; grid-template-columns:1fr 1fr; gap:18px; }
.access-cards a { display:flex; flex-direction:column; gap:8px; padding:24px; border:1px solid #cbd8e6; border-radius:12px; background:#fff; color:var(--ink); text-decoration:none; }
.access-cards a:hover { border-color:var(--blue); box-shadow:0 10px 25px rgba(16,35,63,.09); }
.access-cards strong { color:var(--blue); font-size:18px; font-weight:600; }
.access-cards span { color:#53657a; }
footer { display:grid; grid-template-columns:1.1fr .65fr 1fr; gap:40px; padding:58px clamp(20px,8vw,130px); background:#315a72; color:#eef5f8; }
footer img { width:170px; height:92px; padding:10px; border-radius:10px; background:#fff; object-fit:contain; }
footer strong,footer a { display:block; margin-bottom:8px; color:#fff; }
footer p { margin:10px 0; }
.fine { grid-column:1/-1; padding-top:25px; border-top:1px solid #61869b; color:#d4e2e9; font-size:12px; }
@media(max-width:1100px){ .agent-login{display:none} }
@media(max-width:980px){ .site-header{flex-wrap:wrap;gap:12px 16px}.menu-toggle{display:block;order:2;margin-left:auto}.site-header .header-actions{order:1;margin-left:0}.site-header nav{display:none;order:3;width:100%;margin-left:0;padding:8px 0 4px;border-top:1px solid var(--line)}.site-header.menu-open nav{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:8px}.site-header nav a{padding:11px 13px;border:1px solid var(--line);border-radius:8px;background:#f7fafc;font-size:15px;font-weight:600}.site-header.menu-open .menu-toggle span:nth-child(1){transform:translateY(6px) rotate(45deg)}.site-header.menu-open .menu-toggle span:nth-child(2){opacity:0}.site-header.menu-open .menu-toggle span:nth-child(3){transform:translateY(-6px) rotate(-45deg)}.content-block,.quote-section,.account-access,.state-resources,.home-intro,.contact-panel__intro{grid-template-columns:1fr}.home-intro__mark{max-width:380px}.cards{grid-template-columns:repeat(2,1fr)}.contact-grid{grid-template-columns:1fr 1fr}.service{align-items:flex-start;flex-direction:column} }
@media(max-width:640px){ .site-header{padding:10px 16px}.brand img{width:92px;height:48px}.site-header .header-actions{display:none}.site-header.menu-open nav{grid-template-columns:1fr}.page-hero,.content-wrap,.quote-section,.account-access{padding:58px 20px}.home-hero{min-height:510px}.campaign-highlights ul,.cards,.quote-options,.access-cards,.contact-grid{grid-template-columns:1fr}.contact-card{min-height:0}.contact-client-note{align-items:flex-start;flex-direction:column}.lead-form{grid-template-columns:1fr;padding:20px}.wide{grid-column:auto}.service{padding:50px 20px}.service-actions{align-items:flex-start;flex-direction:column}footer{grid-template-columns:1fr;padding:50px 20px}.fine{grid-column:auto} }
@media(prefers-reduced-motion:reduce){ *{scroll-behavior:auto!important;transition:none!important} }