:root{--blue:#0c5bd6;--blue-dark:#0844a8;--blue-tint:#e8f1fc;--navy:#07274f;--gold:#e0a93b;--gold-text:#8a6408;--bg:#f8fafc;--ink:#10233f;--muted:#5b6b82;--radius:22px}*{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}body{font-family:var(--font-inter),-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.55}h1,h2{font-family:var(--font-playfair),Georgia,serif;letter-spacing:-.01em}a{color:inherit;text-decoration:none}img{max-width:100%;display:block}.container{max-width:1160px;margin:0 auto;padding:0 20px}.ribbon{color:#fff;text-align:center;font-size:.82rem;padding:7px 12px;letter-spacing:.02em}.header,.ribbon{background:var(--navy)}.header{position:sticky;top:0;z-index:50;box-shadow:0 2px 14px rgba(4,20,45,.25)}.header-in{gap:14px;padding:12px 0;flex-wrap:nowrap}.header-in,.logo{display:flex;align-items:center}.logo{gap:10px;font-weight:800;font-size:1.25rem;color:#fff}.logo-badge{background:var(--gold);color:var(--navy);border-radius:8px;padding:6px 9px;font-size:.8rem;font-weight:800}.nav{display:flex;gap:16px;margin-left:10px;font-weight:600;font-size:.9rem;color:#cfe0f5;white-space:nowrap}.nav a:hover{color:var(--gold)}.spacer{flex:1 1}.lang{display:flex;border:1px solid hsla(0,0%,100%,.35);border-radius:8px;overflow:hidden;font-size:.85rem;font-weight:700}.lang a{padding:7px 11px;color:#fff}.lang a.active{background:var(--gold);color:var(--navy)}.header-cta{background:#051d3b;border-top:1px solid hsla(0,0%,100%,.08)}.header-cta-in{display:flex;justify-content:flex-end;align-items:center;gap:10px;padding:7px 0}@media (max-width:700px){.header-cta{display:none}}.call-btn{background:var(--gold);color:var(--navy);font-weight:800;border-radius:8px;padding:9px 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16px;font-size:.85rem;font-weight:700;margin:0 8px 12px 0}.badge.gold{background:#d1fae5;color:#047857}.badge.white{background:#fff;color:var(--navy);border:1px solid #dbe4f2}.hero h1{font-size:clamp(2.1rem,4.6vw,3.5rem);line-height:1.1;margin:14px 0 20px;font-weight:800;color:var(--navy)}.hero h1 .accent{color:var(--navy);border-bottom:4px solid var(--gold);padding-bottom:2px}.hero .sub{color:var(--muted);max-width:34rem;font-size:1.06rem;margin-bottom:26px}.cta{display:inline-block;background:var(--navy);color:#fff;font-weight:700;font-size:1.02rem;padding:15px 28px;border-radius:10px;border:none;cursor:pointer;box-shadow:0 8px 20px rgba(7,39,79,.22);transition:background .15s,transform .15s}.cta:hover{background:#0a3a6e;transform:translateY(-1px)}.rated{margin-top:26px;background:#fff;color:var(--navy);border:1px solid #e2e9f4;border-radius:16px;padding:12px 18px;display:inline-flex;gap:10px;align-items:center;font-size:.9rem;font-weight:600;box-shadow:0 4px 14px rgba(7,39,79,.06)}.stars{color:var(--gold-text);letter-spacing:2px}.card{background:#fff;color:var(--ink);border:1px solid #e8edf4;border-radius:14px;padding:28px;box-shadow:0 12px 34px rgba(7,39,79,.1)}.card h2{font-size:1.5rem;margin-bottom:4px}.card .sub{color:var(--muted);font-size:.92rem;margin-bottom:18px}.field{margin-bottom:14px}.field label{display:block;font-size:.82rem;font-weight:700;margin-bottom:6px;color:var(--navy)}.field input,.field select,.field textarea{width:100%;padding:13px 14px;border:1px solid #d8e0ec;border-radius:12px;font-size:1rem;background:#f8fafd}.grid2{display:grid;grid-template-columns:1fr 1fr;grid-gap:14px;gap:14px}.consent{display:flex;gap:10px;align-items:flex-start;font-size:.78rem;color:var(--muted);margin:6px 0 14px}.consent input{margin-top:3px}.submit{width:100%;background:var(--navy);color:#fff;font-size:1.1rem;font-weight:700;padding:15px;border:none;border-radius:10px;cursor:pointer;box-shadow:0 8px 20px rgba(7,39,79,.22)}.submit:hover{background:#0a3a6e}.status-ok{color:#1e8e3e}.status-err,.status-ok{text-align:center;font-weight:600;margin-top:10px}.status-err{color:#c0392b}.privacy{font-size:.78rem;color:var(--muted);margin-top:10px}.privacy,.strip{text-align:center}.strip{background:#f2f7ff;color:var(--navy);padding:18px 14px;font-weight:600}.section{padding:64px 0}.section h2{font-size:clamp(1.7rem,3vw,2.4rem);text-align:center;margin-bottom:8px;color:var(--navy)}.kicker{text-align:center;color:var(--gold-text);font-weight:800;letter-spacing:.16em;font-size:.8rem;text-transform:uppercase;margin-bottom:10px}.cards4{display:grid;grid-template-columns:repeat(4,1fr);grid-gap:20px;gap:20px;margin-top:36px}.cards4.cards3{grid-template-columns:repeat(3,1fr)}.svc{display:block;background:#fff;border:1px solid #e8edf4;border-top:3px solid var(--gold);border-radius:10px;padding:26px;box-shadow:0 10px 15px -3px rgba(0,0,0,.06),0 4px 6px -4px rgba(0,0,0,.06);transition:transform 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.ico{font-size:1.9rem;margin-bottom:8px}.ccard h3{color:var(--navy);margin-bottom:6px}.ccard a.big{color:var(--blue);font-weight:800;font-size:1.1rem}.ccard p{color:var(--muted);font-size:.9rem}.footer{background:var(--navy);color:#bcd0ea;padding:34px 0;font-size:.88rem;text-align:center}.footer strong{color:#fff}.mk-widget{position:fixed;right:18px;bottom:18px;z-index:90;display:flex;flex-direction:column;gap:10px;align-items:flex-end}.mk-fab{background:var(--blue);color:#fff;border:none;border-radius:999px;padding:13px 20px;font-weight:800;font-size:.95rem;cursor:pointer;box-shadow:0 10px 26px rgba(7,39,79,.35)}.mk-fab.secondary{background:#fff;color:var(--blue-dark);border:2px solid var(--blue)}.mk-panel{width:350px;max-width:calc(100vw - 36px);background:#fff;border-radius:18px;box-shadow:0 24px 60px rgba(4,20,45,.35);overflow:hidden}.mk-head{background:var(--blue-dark);color:#fff;padding:14px 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0;color:#fff;text-align:center}.team-community-overlay h2{font-size:1.9rem;font-weight:800;margin-bottom:12px}.team-community-overlay p{max-width:640px;margin:0 auto;opacity:.92}.life-gallery{padding:56px 0 72px;background:#fff}.life-gallery .kicker{color:var(--blue);font-weight:700;font-size:.9rem;margin-bottom:6px}.life-gallery h2{font-size:2rem;font-weight:800;color:var(--navy);margin-bottom:8px}.life-gallery-sub{color:var(--muted);max-width:560px;margin-bottom:32px}.life-masonry{-moz-columns:220px 4;columns:220px 4;-moz-column-gap:14px;column-gap:14px}@media (min-width:901px){.life-masonry{-moz-columns:auto;columns:auto;display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));grid-gap:14px;gap:14px;align-items:start}.life-masonry .life-thumb{margin-bottom:0}}@media (max-width:900px){.life-masonry{-moz-columns:160px 2;columns:160px 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h1{font-size:clamp(2rem,4.5vw,3.2rem);font-weight:900;line-height:1.15;margin-bottom:16px}.life-hero .accent{color:var(--gold)}.life-hero p{max-width:560px;margin:0 auto;color:#d7e3f7;font-size:1.1rem}.burger{background:none;border:1px solid hsla(0,0%,100%,.4);border-radius:8px;font-size:1.3rem;color:#fff;width:42px;height:42px;cursor:pointer;flex-shrink:0}.burger,.mobile-menu{display:none}@media (max-width:1400px){.burger{display:block}.header-in{gap:8px}.lang,.text-btn-text{display:none}.text-btn{padding:11px 13px}.call-btn-text{display:none}.call-btn{padding:11px 13px}.mobile-menu{display:flex;flex-direction:column;background:#fff;border-top:1px solid #e6ecf5;box-shadow:0 14px 24px rgba(7,39,79,.12)}.mobile-menu a{padding:15px 20px;font-weight:700;color:var(--navy);border-bottom:1px solid #f0f3f8}.mobile-menu a:active{background:#f2f7ff}.mobile-menu-call{color:var(--blue)!important}}@media (max-width:560px){.logo-text{display:none}.logo{font-size:1.05rem}}.insurance-photo-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(140px,1fr));grid-gap:10px;gap:10px}.insurance-photo-grid img{width:100%;height:auto;aspect-ratio:4/3;-o-object-fit:cover;object-fit:cover;-o-object-position:center;object-position:center;border-radius:14px;background:#dfe4ea}.insurance-cat-nav-wrap{position:sticky;top:64px;z-index:40;background:#fff;border-bottom:1px solid #e6ecf5}.insurance-cat-nav ul{list-style:none;display:flex;gap:6px;overflow-x:auto;padding:12px 20px;max-width:1160px;margin:0 auto}.insurance-cat-nav button{background:#f2f7ff;border:none;border-radius:999px;padding:9px 18px;font-weight:700;font-size:.9rem;color:var(--navy);cursor:pointer;white-space:nowrap;transition:background .15s,color .15s}.insurance-cat-nav button.on{background:var(--blue);color:#fff}.insurance-cat-section{margin-bottom:48px;scroll-margin-top:130px}.insurance-cat-section 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details p{margin-top:8px;color:var(--muted)}.cc-form-section{background:linear-gradient(180deg,#eef4fd 0,var(--bg) 100%)}.cc-form-grid{display:grid;grid-template-columns:1fr;grid-gap:20px;gap:20px;align-items:start}.cc-form-intro h2{text-align:left}.cc-form-intro .cc-sub{margin-bottom:10px}.cc-big-phone{display:inline-block;font-size:1.3rem;font-weight:800;color:var(--navy)}.cc-form{max-width:520px;width:100%}.cc-fieldset{border:none;padding:0;min-width:0}.cc-fieldset legend{display:block;font-size:.82rem;font-weight:700;margin-bottom:6px;color:var(--navy)}.cc-pills{display:flex;gap:8px;flex-wrap:wrap}.cc-pill{display:inline-flex;align-items:center;border-radius:999px;padding:10px 16px;font-size:.95rem;font-weight:700;background:#f8fafd;color:var(--navy);border:1px solid #d8e0ec;cursor:pointer}.cc-pill.on{background:var(--navy);color:#fff;border-color:var(--navy)}.cc-pill input{position:absolute;opacity:0;width:1px;height:1px}.cc-pill:focus-within{outline:3px solid var(--blue);outline-offset:2px}.cc-field-err{color:#c0392b;font-size:.82rem;font-weight:600;margin-top:4px}.cc-talk{text-align:center;font-size:.92rem;color:var(--ink);margin-top:14px}.cc-talk-phone{font-weight:800;white-space:nowrap}.cc-talk-phone,.cc-talk-wa{color:var(--navy);text-decoration:underline}.cc-talk-wa{font-weight:700;gap:4px}.cc-ok{text-align:center;outline:none}.cc-ok h3{color:var(--navy);font-size:1.35rem;margin:10px 0 8px}.cc-ok p{color:var(--muted);margin-bottom:16px}.cc-ok-check{width:56px;height:56px;border-radius:50%;background:#d1fae5;color:#047857;font-size:1.8rem;font-weight:900;display:flex;align-items:center;justify-content:center;margin:0 auto}.cc-reviews-placeholder{max-width:46rem;margin:20px auto 0;border:2px dashed #c9d6e8;border-radius:14px;padding:26px 20px;text-align:center;color:var(--muted);background:#fbfdff}.cc-reviews-ico{font-size:1.6rem;display:block;margin-bottom:6px}@media (min-width:700px){.cc-hero{padding:48px 0 60px}.cc-cta-row{flex-direction:row;flex-wrap:wrap}.cc-gap-grid{grid-template-columns:1fr 1fr;gap:22px}.cc-gap:last-child:nth-child(odd){grid-column:1/-1;display:grid;grid-template-columns:1fr 1fr}.cc-gap:last-child:nth-child(odd) .cc-gap-img{height:100%;min-height:200px}.cc-steps{grid-template-columns:repeat(3,1fr)}.cc-team{grid-template-columns:repeat(6,1fr)}}@media (min-width:900px){.cc-hero-grid{grid-template-columns:1.1fr .9fr;gap:44px}.cc-hero-photo-wrap{display:block}.cc-gap-grid{grid-template-columns:repeat(6,1fr)}.cc-gap{grid-column:span 3}.cc-gap:nth-child(n+3){grid-column:span 2}.cc-gap:last-child:nth-child(odd){grid-column:span 2;display:block}.cc-gap:last-child:nth-child(odd) .cc-gap-img{height:170px;min-height:0}.cc-trust-grid{grid-template-columns:1.2fr .8fr;gap:40px}.cc-team{grid-template-columns:repeat(3,1fr)}.cc-form-grid{grid-template-columns:.9fr 1.1fr;gap:40px}.cc-form{justify-self:end}}@media (max-width:640px){.cc .section{padding:42px 0}.cc .section h2{font-size:1.6rem}.cc .center-cta .cta{display:block;width:100%;text-align:center}}.badge.badge-link{transition:background .15s,box-shadow .15s}.badge.badge-link:hover{background:#bff5dc;box-shadow:0 4px 12px rgba(4,120,87,.18)}.cc-send{margin-top:18px;background:#fff;border:1px solid #dfe8f6;border-left:4px solid var(--gold);border-radius:12px;padding:14px 16px;max-width:34rem;box-shadow:0 6px 18px rgba(7,39,79,.06)}.cc-send-title{font-weight:800;color:var(--navy);font-size:1.02rem;margin-bottom:10px}.cc-send-btns{display:flex;gap:10px;flex-wrap:wrap}.cc-send-btn{flex:1 1 130px;display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:12px 10px;border-radius:10px;font-weight:800;font-size:.96rem;white-space:nowrap}.cc-send-wa{background:#1a8f47;color:#fff}.cc-send-wa:hover{background:#157a3c}.cc-send-text{background:#fff;color:var(--navy);border:2px solid var(--navy)}.cc-send-text:hover{background:#f2f7ff}.cc-send-line{margin-top:8px;color:var(--muted);font-size:.86rem}.cc-send-final{margin-top:20px}.cc-note{display:inline-block;background:var(--blue-tint);color:var(--navy);border:1px solid #d3e4fb;border-radius:999px;padding:6px 14px;font-weight:700;font-size:.88rem;margin-bottom:14px}.gap-callout{display:flex;align-items:center;justify-content:space-between;gap:14px;flex-wrap:wrap;background:#fff;border:1px solid #dfe8f6;border-left:4px solid var(--gold);border-radius:12px;padding:16px 18px;margin:22px auto 0;max-width:46rem;box-shadow:0 6px 18px rgba(7,39,79,.06)}.gap-callout p{color:var(--navy);font-weight:600;margin:0;flex:1 1 260px}.gap-callout a{color:var(--blue);font-weight:800;white-space:nowrap}.gap-callout a:hover{text-decoration:underline}.gap-wa{display:inline-flex;align-items:center;gap:8px;margin-top:12px;color:#157a3c;font-weight:800}.gap-wa:hover{text-decoration:underline}.gap-what{background:#fff;border-top:1px solid 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dd{margin:0;color:var(--navy);font-weight:800;font-size:1.1rem;white-space:nowrap}.gap-ex-total{border-bottom:none;background:#fff7e6;border-radius:10px;padding:12px;margin-top:8px}.gap-ex-total dt{color:var(--navy);font-weight:700}.gap-ex-total dd{color:#b3261e;font-size:1.3rem}.gap-example p{color:var(--ink);font-size:.96rem}.gap-ex-note{margin-top:10px;color:var(--muted);font-size:.84rem;font-style:italic}.gap-what .center-cta{padding:0 16px}.gap-who-grid{display:grid;grid-template-columns:1fr;grid-gap:14px;gap:14px;margin-top:26px}.gap-who-card{background:#fff;border:1px solid #e8edf4;border-top:3px solid var(--gold);border-radius:12px;padding:18px;box-shadow:0 6px 18px rgba(7,39,79,.05)}.gap-who-ico{font-size:1.6rem;line-height:1}.gap-who-card h3{color:var(--navy);font-size:1.1rem;margin:10px 0 6px}.gap-who-card p{color:var(--ink);font-size:.95rem}.gap-no{background:#fff;border-top:1px solid #eef2f7}.gap-narrow{max-width:46rem}.gap-no-list{list-style:none;margin-top:14px}.gap-no-list li{position:relative;padding:10px 0 10px 34px;border-bottom:1px solid #eef2f7;color:var(--ink)}.gap-no-list li:before{content:"✕";position:absolute;left:4px;top:10px;color:#b3261e;font-weight:900}.gap-no .cc-tip{margin-left:0}@media (min-width:701px){.gap-who-grid{grid-template-columns:repeat(2,1fr)}}@media (min-width:901px){.gap-what-grid{grid-template-columns:1.1fr 1fr;gap:40px}.gap-who-grid{grid-template-columns:repeat(6,1fr)}.gap-who-card{grid-column:span 2}.gap-who-card:nth-child(4){grid-column:2/span 2}}.hero--photo{position:relative;overflow:hidden;isolation:isolate}.hero-backdrop{position:absolute;inset:0;z-index:-1;pointer-events:none}.hero-backdrop-img{-o-object-fit:cover;object-fit:cover;-o-object-position:center 40%;object-position:center 40%}.hero-backdrop:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(238,244,253,.97),rgba(238,244,253,.93) 44%,rgba(238,244,253,.5) 72%,rgba(238,244,253,.28))}@media (max-width:900px){.hero-backdrop{bottom:auto;height:460px}.hero-backdrop:after{background:linear-gradient(180deg,rgba(238,244,253,.72),rgba(238,244,253,.86) 45%,rgba(238,244,253,.97) 80%,#eef4fd)}}.hero-photo{height:auto}.cc-hero-photo,.hero-photo{aspect-ratio:4/3}.rot-headline{font-size:clamp(1.08rem,2.2vw,1.32rem);line-height:1.3;font-weight:800;color:var(--navy);margin:0 0 10px;max-width:36rem}.rot-headline span{box-shadow:inset 0 -.32em 0 rgba(212,160,23,.35)}.rot-preview-flag{position:sticky;top:0;z-index:60;background:#1b1b1b;color:#ffd76a;font:600 .8rem/1.2 var(--font-inter,system-ui),sans-serif;padding:6px 12px;text-align:center}.todays-article{padding-top:8px;padding-bottom:8px}.ta-card{max-width:52rem;margin:0 auto;background:#fff;border:1px solid #e6ecf5;border-left:5px solid var(--gold);border-radius:16px;padding:22px 26px;box-shadow:0 10px 30px rgba(8,42,89,.07)}.ta-kicker{display:flex;flex-wrap:wrap;align-items:center;gap:6px;font-size:.78rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-text);margin:0 0 8px}.ta-dot{width:8px;height:8px;border-radius:50%;background:#e0453a;display:inline-block}.ta-sep{color:#9aa7b8}.ta-kind{color:var(--muted);letter-spacing:.06em}.ta-title{font-size:clamp(1.2rem,2.6vw,1.55rem);line-height:1.25;margin:0 0 6px;text-align:left}.ta-title a{color:var(--navy);text-decoration:none}.ta-title a:hover{text-decoration:underline}.ta-meta{color:var(--muted);font-size:.88rem;margin:0 0 10px}.ta-excerpt{color:#3d4a5c;margin:0 0 16px;line-height:1.55}.ta-actions{display:flex;flex-wrap:wrap;align-items:center;gap:14px}.ta-read{margin:0}.ta-all{color:var(--navy);font-weight:600}@media (max-width:600px){.ta-card{padding:18px}}