:root{--navy:#121d49;--navy-2:#1c2b66;--white:#fff;--ink:#151a2b;--muted:#5d6474;--line:#dfe3eb;--soft:#f5f7fb;--warm:#f8f4ec;--gold:#a77b3d;--success:#1f6b54;--danger:#9b2f35;--shadow:0 18px 55px rgba(18,29,73,.12);--max:1180px}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:82px}body{margin:0;color:var(--ink);background:#fff;font:16px/1.65 Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}img{display:block;max-width:100%}a{color:inherit}.container{width:min(var(--max),calc(100% - 40px));margin-inline:auto}.skip-link{position:fixed;left:12px;top:-80px;background:#fff;color:var(--navy);padding:12px;z-index:100}.skip-link:focus{top:12px}.site-header{position:sticky;top:0;z-index:50;border-bottom:1px solid rgba(18,29,73,.12);background:rgba(255,255,255,.96);backdrop-filter:blur(12px)}.nav-wrap{min-height:78px;display:flex;align-items:center;gap:24px}.brand{display:inline-flex;align-items:center;gap:10px;color:var(--navy);font:800 25px/1 Georgia,serif;letter-spacing:.02em;text-decoration:none;white-space:nowrap}.brand img{border-radius:50%}.nav-menu{display:flex;align-items:center;gap:21px;margin-left:auto}.nav-menu a{text-decoration:none;font-size:14px;font-weight:750}.menu-button{display:none;margin-left:auto;border:1px solid var(--line);border-radius:6px;background:#fff;color:var(--navy);padding:10px 14px;font-weight:800}.button{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:0 20px;border:1px solid var(--navy);border-radius:5px;background:var(--navy);color:#fff;text-decoration:none;font:800 15px/1.2 inherit;cursor:pointer;transition:transform .18s ease,background .18s ease}.button:hover{background:var(--navy-2);transform:translateY(-1px)}.button-outline{background:#fff;color:var(--navy)}.button-light{background:#fff;color:var(--navy);border-color:#fff}.button-outline-light{background:transparent;color:#fff;border-color:rgba(255,255,255,.65)}.button:focus-visible,a:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid #78a7ff;outline-offset:3px}.hero{padding:86px 0 78px;background:linear-gradient(180deg,#fff 0,#f7f8fb 100%)}.hero-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:64px;align-items:center}.eyebrow{margin:0 0 14px;color:var(--gold);font-size:12px;font-weight:900;letter-spacing:.16em}.hero h1,.section h2{margin:0;color:var(--navy);font:700 clamp(2.55rem,5vw,5.1rem)/1.02 Georgia,serif;letter-spacing:-.035em}.section h2{font-size:clamp(2.1rem,4vw,3.7rem);max-width:780px}.lead,.section-lead{font-size:clamp(1.05rem,1.5vw,1.25rem);color:var(--muted);max-width:760px}.hero-copy .lead{max-width:700px}.button-row{display:flex;gap:12px;flex-wrap:wrap;margin:28px 0}.trust-list{display:grid;grid-template-columns:1fr 1fr;gap:10px 24px;padding:0;margin:30px 0;list-style:none;font-weight:750;color:var(--navy)}.trust-list li:before{content:"✓";margin-right:8px;color:var(--success)}.tagline{font:italic 700 22px Georgia,serif;color:var(--navy)}.hero-photo{position:relative;margin:0;border-radius:12px;overflow:hidden;box-shadow:var(--shadow);background:var(--soft)}.hero-photo img{width:100%;height:auto;aspect-ratio:auto;object-fit:contain}.hero-photo figcaption{position:absolute;left:18px;right:18px;bottom:18px;padding:12px 14px;border-radius:6px;background:rgba(18,29,73,.92);color:#fff;font-weight:750}.section{padding:92px 0}.navy-section{background:var(--navy);color:#fff}.navy-section h2,.navy-section .eyebrow{color:#fff}.navy-section .section-lead{color:#dce2f5}.soft-section{background:var(--soft)}.warm-section{background:var(--warm)}.agent-grid{display:grid;grid-template-columns:1fr 1fr;gap:26px;margin-top:40px}.agent-card{display:grid;grid-template-columns:180px 1fr;gap:24px;padding:24px;border:1px solid var(--line);border-radius:10px;background:#fff;box-shadow:0 10px 35px rgba(18,29,73,.06)}.agent-card img{width:180px;height:220px;object-fit:cover;border-radius:7px}.agent-card h3,.coverage-grid h3,.why-grid h3,.steps h3{margin:0 0 8px;color:var(--navy);font:700 24px/1.2 Georgia,serif}.npn{font-weight:900;letter-spacing:.06em;color:var(--navy)}.agent-card .button-row{margin:18px 0 0}.agent-card .button{min-height:43px;padding-inline:14px;font-size:14px}.center-note{text-align:center;margin:36px auto 0;max-width:820px;color:var(--navy);font:italic 700 21px Georgia,serif}.carrier-logo-wall{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:28px 30px;align-items:center;margin:42px 0;padding:36px 32px;border-radius:10px;background:#fff}.carrier-logo-wall figure{display:flex;align-items:center;justify-content:center;min-height:92px;margin:0;padding:8px}.carrier-logo-wall img{width:auto;max-width:100%;max-height:68px;object-fit:contain}.carrier-logo-wall figure:nth-child(3) img,.carrier-logo-wall figure:nth-child(6) img,.carrier-logo-wall figure:nth-child(9) img{max-height:58px}.carrier-logo-wall .combined-logo{max-height:54px;filter:brightness(0) saturate(100%) invert(12%) sepia(33%) saturate(2211%) hue-rotate(201deg) brightness(91%) contrast(98%)}.fine-print{font-size:13px;color:#dce2f5;max-width:900px}.coverage-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:26px;margin-top:44px;perspective:1400px}.coverage-card{position:relative;padding:0!important;overflow:hidden;border:1px solid rgba(18,29,73,.16);border-radius:14px;background:#fff;box-shadow:0 2px 3px rgba(18,29,73,.08),0 12px 28px rgba(18,29,73,.10),0 30px 64px rgba(18,29,73,.07),inset 0 1px 0 #fff;transform-style:preserve-3d;transition:transform .28s cubic-bezier(.2,.7,.2,1),box-shadow .28s ease,border-color .28s ease}.coverage-card:last-child{grid-column:1/-1}.coverage-card:focus-within{border-color:rgba(18,29,73,.42);box-shadow:0 3px 5px rgba(18,29,73,.09),0 18px 38px rgba(18,29,73,.15),0 38px 76px rgba(18,29,73,.09),inset 0 1px 0 #fff}.coverage-card-button{position:relative;isolation:isolate;display:flex;width:100%;height:100%;min-height:304px;flex-direction:column;align-items:flex-start;padding:34px 34px 30px;border:0;background:#fff;color:var(--ink);text-align:left;cursor:pointer;font:inherit;box-shadow:inset 0 1px 0 rgba(255,255,255,.95)}.coverage-card-button:before{content:"";position:absolute;z-index:-1;left:0;right:0;top:0;height:5px;background:var(--navy)}.coverage-card-button:after{content:"";position:absolute;z-index:-1;right:-46px;top:-50px;width:150px;height:150px;border:1px solid rgba(18,29,73,.08);border-radius:50%;box-shadow:0 0 0 22px rgba(18,29,73,.025),0 0 0 44px rgba(18,29,73,.018)}.coverage-card-button:active{background:#f8f9fc;transform:translateY(1px)}.coverage-card-button:focus-visible{outline:3px solid #78a7ff;outline-offset:-5px}.coverage-title{max-width:88%;color:var(--navy);font:700 27px/1.15 Georgia,serif;letter-spacing:-.015em;transform:translateZ(12px)}.coverage-description{max-width:620px;margin-top:16px;color:var(--muted);font-size:16px;line-height:1.65;transform:translateZ(8px)}.coverage-labels{display:flex;flex-wrap:wrap;gap:8px;margin-top:24px;transform:translateZ(10px)}.coverage-labels span{padding:6px 11px;border:1px solid rgba(18,29,73,.14);border-radius:999px;background:var(--soft);color:var(--navy);font-size:12px;font-weight:850;letter-spacing:.015em;box-shadow:0 2px 5px rgba(18,29,73,.05),inset 0 1px 0 #fff}.learn-more{display:inline-flex;align-items:center;margin-top:auto;padding-top:28px;border-bottom:1px solid rgba(18,29,73,.22);color:var(--navy);font-weight:900;letter-spacing:.01em;transform:translateZ(14px);transition:border-color .2s ease,letter-spacing .2s ease}@media(hover:hover){.coverage-card:hover{transform:translateY(-8px) rotateX(.8deg) scale(1.008);border-color:rgba(18,29,73,.30);box-shadow:0 5px 8px rgba(18,29,73,.09),0 24px 48px rgba(18,29,73,.17),0 46px 86px rgba(18,29,73,.11),inset 0 1px 0 #fff}.coverage-card:hover .learn-more{border-color:var(--navy);letter-spacing:.025em}}@media(prefers-reduced-motion:reduce){.coverage-card,.learn-more{transition:none}.coverage-card:hover{transform:none}}.modal-open{overflow:hidden}.product-modal{position:fixed;inset:0;z-index:110;display:grid;place-items:center;padding:24px;background:rgba(8,14,38,.76)}.product-modal[hidden]{display:none}.product-modal-panel{position:relative;width:min(900px,100%);max-height:min(88vh,900px);overflow:auto;padding:44px;border-radius:12px;background:#fff;box-shadow:0 30px 90px rgba(0,0,0,.35)}.product-modal-close{position:absolute;right:16px;top:12px;width:44px;height:44px;border:0;border-radius:50%;background:var(--soft);color:var(--navy);font-size:30px;line-height:1;cursor:pointer}.product-modal-close:focus-visible{outline:3px solid #78a7ff}.product-modal h2{margin:0 56px 28px 0;color:var(--navy);font:700 clamp(2rem,5vw,3.4rem)/1.05 Georgia,serif}.product-modal section{padding:18px 0;border-top:1px solid var(--line)}.product-modal h3{margin:0 0 7px;color:var(--navy);font:700 20px/1.25 Georgia,serif}.product-modal p,.product-modal ul{margin:0;color:var(--muted)}.product-modal ul{padding-left:22px}.product-modal .product-compare{margin-top:24px}.why-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:38px}.why-grid article{padding:24px;border-top:3px solid var(--navy);background:#fff}.statement{margin:42px 0 0;color:var(--navy);font:italic 700 40px Georgia,serif}.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin:40px 0}.steps article{padding:24px 20px;border-left:1px solid var(--line)}.steps span{display:block;margin-bottom:22px;color:var(--gold);font-size:28px;font-weight:900}.about-grid,.review-grid,.form-layout,.footer-grid{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}.about-grid figure{margin:0;border-radius:10px;overflow:hidden;box-shadow:var(--shadow)}.about-grid figure img{width:100%;height:auto;aspect-ratio:auto;object-fit:contain}.signature{margin-top:30px;color:var(--navy);font:italic 700 22px Georgia,serif}.review-grid ul{display:grid;grid-template-columns:1fr 1fr;gap:10px 28px;margin:0;padding:30px 34px 30px 54px;border:1px solid var(--line);background:var(--soft);font-weight:750}.faq-list{max-width:850px;margin-top:32px}.faq-list details{padding:20px 0;border-top:1px solid var(--line)}.faq-list summary{cursor:pointer;color:var(--navy);font-weight:850;font-size:18px}.lead-form{padding:30px;border:1px solid var(--line);border-radius:10px;background:#fff;box-shadow:var(--shadow)}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}.form-grid label{display:grid;gap:7px;color:var(--navy);font-weight:800}.form-grid input,.form-grid select{width:100%;height:49px;padding:0 12px;border:1px solid #bbc2d0;border-radius:5px;background:#fff;color:var(--ink);font:inherit}.full-field{grid-column:1/-1}.consent{display:flex;align-items:flex-start;gap:9px;margin-top:18px;color:var(--muted);font-size:13px}.consent input{margin-top:4px}.submit-button{width:100%;margin-top:22px}.submit-button[disabled]{opacity:.65;cursor:wait}.form-status{min-height:24px;margin:12px 0 0;font-weight:750}.form-status.success{color:var(--success)}.form-status.error{color:var(--danger)}.contact-lines{display:grid;gap:4px}.honeypot{position:absolute!important;left:-10000px!important;width:1px!important;height:1px!important;overflow:hidden!important}.final-cta{text-align:center}.final-cta h2{margin-inline:auto}.final-cta p{max-width:700px;margin:20px auto}.centered{justify-content:center}.site-footer{padding:64px 0;background:#0c1435;color:#fff}.footer-grid{align-items:start}.footer-brand{color:#fff}.site-footer nav{display:flex;gap:16px;flex-wrap:wrap;margin:24px 0}.footer-legal{font-size:13px;color:#c9d0e5}.success-dialog{position:fixed;inset:0;z-index:100;display:grid;place-items:center;padding:20px;background:rgba(8,14,38,.72)}.success-dialog[hidden]{display:none}.success-dialog>div{position:relative;width:min(560px,100%);padding:40px;border-radius:10px;background:#fff;box-shadow:var(--shadow)}.success-dialog h2{color:var(--navy);font:700 42px/1.1 Georgia,serif}.dialog-close{position:absolute;right:14px;top:10px;border:0;background:transparent;color:var(--navy);font-size:30px;cursor:pointer}.legal-page{max-width:900px;padding-top:64px;padding-bottom:80px}.legal-page h1{color:var(--navy);font:700 clamp(2.5rem,5vw,4.6rem)/1.05 Georgia,serif}.legal-page h2{margin-top:34px;color:var(--navy);font:700 27px/1.2 Georgia,serif}.review-banner{margin-bottom:30px;padding:14px 18px;border-left:4px solid var(--gold);background:var(--warm);font-weight:800}@media(max-width:1050px){.nav-menu{gap:13px}.nav-button{display:none}.hero-grid{gap:36px}.agent-card{grid-template-columns:140px 1fr}.agent-card img{width:140px;height:190px}.why-grid,.steps{grid-template-columns:1fr 1fr}.carrier-logo-wall{grid-template-columns:repeat(3,minmax(0,1fr))}}@media(max-width:820px){.menu-button{display:block}.nav-menu{position:absolute;left:0;right:0;top:78px;display:none;flex-direction:column;align-items:stretch;padding:18px 20px 24px;border-bottom:1px solid var(--line);background:#fff}.nav-menu.open{display:flex}.nav-menu a{padding:8px 0}.hero{padding:56px 0}.hero-grid,.about-grid,.review-grid,.form-layout,.footer-grid{grid-template-columns:1fr}.hero-photo{order:-1}.agent-grid{grid-template-columns:1fr}.carrier-logo-wall{grid-template-columns:repeat(2,minmax(0,1fr));gap:22px;padding:28px 22px}}@media(max-width:600px){.container{width:min(100% - 28px,var(--max))}.section{padding:68px 0}.brand{font-size:21px}.brand img{width:38px;height:38px}.hero h1{font-size:2.65rem}.trust-list,.coverage-grid,.why-grid,.steps,.form-grid,.review-grid ul{grid-template-columns:1fr}.coverage-grid article:last-child,.full-field{grid-column:auto}.agent-card{grid-template-columns:1fr}.agent-card img{width:100%;height:auto;aspect-ratio:4/3}.carrier-logo-wall{gap:16px;padding:24px 16px}.carrier-logo-wall figure{min-height:78px;padding:6px}.carrier-logo-wall img{max-height:56px}.button-row .button{width:100%}.review-grid ul{padding:24px 24px 24px 44px}.lead-form{padding:22px}.site-footer nav{display:grid}}
.verify-guide-link{margin:18px 0 0;text-align:center;font-weight:800}.verify-guide-link.left{text-align:left;margin-top:22px}.verify-guide-link a{color:var(--navy);text-decoration-thickness:2px;text-underline-offset:4px}.faq-list a{color:var(--navy);font-weight:800}

.hero-photo{justify-self:end;width:100%;max-width:440px;overflow:visible;box-shadow:none;background:transparent}.hero-photo img{border-radius:12px;box-shadow:var(--shadow);object-fit:contain}.hero-photo figcaption{position:static;margin-top:12px;text-align:center}.about-text-only{grid-template-columns:1fr;max-width:820px}.agent-card-text{grid-template-columns:1fr}@media(max-width:820px){.hero-photo{order:0;justify-self:center;max-width:400px}}
