: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 18px;white-space:nowrap}.call-btn:hover{background:#eebb54}.text-btn{background:transparent;color:#fff;padding:9px 18px;border-radius:8px;font-weight:700;font-size:14px;text-decoration:none;border:1.5px solid hsla(0,0%,100%,.45);cursor:pointer;transition:border-color .2s,background .2s;white-space:nowrap;flex-shrink:0}.text-btn:hover{border-color:var(--gold);background:hsla(0,0%,100%,.06)}.hero{background:linear-gradient(180deg,#eef4fd,#f8fafc);color:var(--navy);padding:60px 0 70px}.hero-grid{display:grid;grid-template-columns:1.15fr .95fr;grid-gap:46px;gap:46px;align-items:start}.badge{display:inline-block;border-radius:999px;padding:8px 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 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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}.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 .15s,box-shadow .15s,border-color .15s}a.svc:hover{transform:translateY(-3px);box-shadow:0 14px 32px rgba(7,39,79,.12);border-color:#cfe0fb}.svc .ico{font-size:1.8rem;margin-bottom:10px}.svc h3{color:var(--navy);margin-bottom:8px;font-size:1.12rem}.svc p{color:var(--muted);font-size:.92rem}.center-cta{text-align:center;margin-top:34px}.about-grid{display:grid;grid-template-columns:1.1fr .9fr;grid-gap:40px;gap:40px;align-items:center}.about-grid ul{list-style:none;margin-top:18px}.about-grid li{padding-left:28px;position:relative;margin-bottom:10px;font-weight:600;color:var(--navy)}.about-grid li:before{content:"✓";position:absolute;left:0;color:var(--blue);font-weight:900}.office{background:#f2f7ff;border-radius:var(--radius);padding:26px}.contact-cards{display:grid;grid-template-columns:repeat(3,1fr);grid-gap:20px;gap:20px;margin:36px 0}.ccard{background:#fff;border:1px solid #e6ecf5;border-radius:var(--radius);padding:26px;text-align:center}.ccard .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 16px;font-weight:800;display:flex;justify-content:space-between;align-items:center}.mk-head button{background:none;border:none;color:#fff;font-size:1.1rem;cursor:pointer}.mk-tabs{display:flex}.mk-tabs button{flex:1 1;padding:10px;border:none;background:#eef3fb;font-weight:700;cursor:pointer;color:var(--navy)}.mk-tabs 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button.on{background:var(--blue);color:#fff;border-color:var(--blue)}.talk-now-modal form{display:flex;flex-direction:column;gap:14px}.talk-now-modal label{display:block;font-size:.85rem;font-weight:700;color:var(--navy)}.talk-now-modal input[type=tel],.talk-now-modal input[type=text]{width:100%;margin-top:6px;padding:12px 13px;border:1px solid #d8e0ec;border-radius:12px;font-size:1rem;background:#f8fafd}.talk-now-consent{display:flex;gap:8px;align-items:flex-start;font-size:.78rem;color:var(--muted);font-weight:400}.talk-now-consent input{margin-top:3px}.talk-now-modal button[type=submit]{width:100%;background:var(--blue);color:#fff;font-size:1.05rem;font-weight:800;padding:14px;border:none;border-radius:999px;cursor:pointer}.talk-now-modal button[type=submit]:disabled{opacity:.6;cursor:not-allowed}.talk-now-modal button[type=submit]:not(:disabled):hover{background:var(--blue-dark)}.talk-now-ok{color:#1e8e3e;padding:20px 0}.talk-now-err,.talk-now-ok{font-weight:600;text-align:center}.talk-now-err{color:#c0392b;font-size:.88rem}@media (max-width:480px){.talk-now{left:12px;bottom:12px}}.team-hero{position:relative;background-size:cover;background-position:top;min-height:360px;display:flex;align-items:center}.team-hero-overlay{width:100%;background:rgba(7,39,79,.78);padding:64px 0;color:#fff}.team-hero-overlay h1{font-size:2.4rem;font-weight:800;max-width:640px;margin:0 0 12px}.team-hero-overlay p{max-width:560px;font-size:1.1rem;opacity:.92}.team-intro{padding:56px 0;background:#fff}.team-intro-grid{display:grid;grid-template-columns:1fr 320px;grid-gap:40px;gap:40px;align-items:center}.team-intro-grid p{color:#444;line-height:1.6;margin-bottom:14px}.team-intro-img{width:100%;height:auto;border-radius:20px;-o-object-fit:cover;object-fit:cover}@media (max-width:780px){.team-intro-grid{grid-template-columns:1fr}}.team-body{padding:56px 0 72px;background:#f7f8fa}.team-body h2{font-size:2rem;font-weight:800;color:var(--navy);margin-bottom:32px}.team-layout{display:grid;grid-template-columns:220px 1fr;grid-gap:40px;gap:40px;align-items:start}@media (max-width:900px){.team-layout{grid-template-columns:1fr}}.team-nav{position:sticky;top:100px}.team-nav ul{list-style:none;padding:0;margin:0;border-left:2px solid #e2e6ec}.team-nav button{display:block;width:100%;text-align:left;background:none;padding:10px 16px;font-size:.95rem;color:#555;cursor:pointer;border:none;border-left:2px solid transparent;margin-left:-2px;transition:color .15s,border-color .15s}.team-nav button:hover{color:var(--navy)}.team-nav button.on{color:var(--navy);font-weight:700;border-left-color:var(--gold)}@media (max-width:900px){.team-nav{position:static;margin-bottom:24px}.team-nav ul{display:flex;flex-wrap:wrap;border-left:none;gap:4px}.team-nav button{border-left:none;border-bottom:2px solid transparent;margin-left:0}.team-nav button.on{border-bottom-color:var(--gold)}}.team-grid{display:flex;flex-direction:column;gap:28px}.agent-card{display:grid;grid-template-columns:140px 1fr;grid-gap:24px;gap:24px;background:#fff;border-radius:20px;padding:24px;box-shadow:0 2px 10px rgba(7,39,79,.06);scroll-margin-top:100px}.agent-photo{width:140px;height:175px;-o-object-fit:cover;object-fit:cover;border-radius:14px;background:#dfe4ea}.agent-info h3{font-size:1.3rem;font-weight:800;color:var(--navy);margin:0 0 4px}.agent-role{color:var(--blue);font-weight:600;font-size:.9rem;margin-bottom:10px}.agent-quote{margin:0;padding-left:14px;border-left:3px solid var(--gold);color:#444;font-style:italic;line-height:1.5}@media (max-width:560px){.agent-card{grid-template-columns:1fr}.agent-photo{width:100%;height:220px}}.team-community-banner{position:relative;background-size:cover;background-position:top;min-height:280px;display:flex;align-items:center}.team-community-overlay{width:100%;background:rgba(7,39,79,.75);padding:56px 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 (max-width:900px){.life-masonry{-moz-columns:160px 2;columns:160px 2}}.life-thumb{page-break-inside:avoid;-moz-column-break-inside:avoid;break-inside:avoid;margin-bottom:14px;padding:0;border:none;background:none;cursor:zoom-in;overflow:hidden}.life-thumb,.life-thumb img{display:block;width:100%;border-radius:14px}.life-thumb img{height:auto;transition:transform .2s}.life-thumb:hover 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span{font-size:.78rem;font-weight:700;color:var(--navy)}.office-map-side{display:grid;grid-template-columns:1fr 1fr;grid-gap:10px;gap:10px}.office-map-embed{border-radius:14px;overflow:hidden;box-shadow:0 8px 24px rgba(7,39,79,.08);aspect-ratio:4/3}.office-map-embed iframe{width:100%;height:100%;border:0}.key-west-side-img{width:100%;height:100%;aspect-ratio:4/3;-o-object-fit:cover;object-fit:cover;border-radius:14px;background:#dfe4ea}@media (max-width:560px){.office-map-side{grid-template-columns:1fr 1fr}}.life-hero{background:linear-gradient(135deg,var(--navy) 0,#0a3a7d 55%,var(--blue-dark) 100%);color:#fff;padding:70px 0;text-align:center}.life-hero 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%;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 h2{color:var(--navy);margin-bottom:18px}.referral-map-card{background:#fff;border-radius:var(--radius);overflow:hidden;box-shadow:0 8px 24px rgba(7,39,79,.08)}.referral-map-toolbar{padding:16px 20px 0}.referral-map-toolbar 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