:root{--navy:#061526;--navy2:#0b2947;--gold:#d8a63d;--gold2:#f4cf7b;--cream:#f7f8fa;--ink:#142033;--muted:#667386;--line:#e4e8ee;--white:#fff;--shadow:0 18px 50px rgba(4,18,32,.10)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);line-height:1.6;background:#fff}a{text-decoration:none;color:inherit}.container{width:min(1180px,92%);margin:auto}
.nav{position:sticky;top:0;z-index:50;background:rgba(6,21,38,.97);border-bottom:1px solid rgba(216,166,61,.18)}.navin{height:88px;display:flex;align-items:center;justify-content:space-between}.logo{width:285px}.links{display:flex;align-items:center;gap:28px;color:#f2f5f8;font-size:14px;font-weight:650}.links a:hover{color:var(--gold2)}.navquote{padding:13px 21px;border:1px solid var(--gold);border-radius:8px;color:#10151d!important;background:linear-gradient(135deg,#f0c873,#c9912e);font-weight:850}
.hero{position:relative;overflow:hidden;color:#fff;background:#061526;min-height:690px}.heroart{position:absolute;right:0;top:0;width:61%;height:100%;background:url("family-hero.svg") center/cover no-repeat;opacity:.96}.hero:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,#061526 0%,rgba(6,21,38,.97) 30%,rgba(6,21,38,.68) 49%,rgba(6,21,38,.05) 82%)}.heroin{position:relative;z-index:2;padding:105px 0 70px;max-width:740px}.eyebrow,.kicker{font-size:12px;letter-spacing:4px;text-transform:uppercase;color:var(--gold2);font-weight:850}.hero h1{font:700 clamp(48px,6.2vw,80px)/.98 Georgia,serif;letter-spacing:-3px;margin:20px 0}.hero h1 span{color:var(--gold2)}.hero p{font-size:20px;max-width:590px;color:#e0e8f1}.actions{display:flex;gap:13px;flex-wrap:wrap;margin:29px 0 38px}.btn{display:inline-flex;align-items:center;justify-content:center;padding:14px 22px;border-radius:8px;font-weight:850}.gold{background:linear-gradient(135deg,#f0c873,#c9912e);color:#10151d}.outline{border:1px solid rgba(244,207,123,.8);color:#fff}.trust{display:grid;grid-template-columns:repeat(4,1fr);max-width:730px}.trust div{padding:0 17px;text-align:center;border-right:1px solid rgba(255,255,255,.18)}.trust div:first-child{padding-left:0}.trust div:last-child{border:0}.trust b{display:block;font-size:13px}.trust small{color:#9eafc1}
.section{padding:84px 0}.sectionhead{max-width:760px;margin:0 auto 42px;text-align:center}.section h2{font:700 clamp(36px,4.5vw,51px)/1.06 Georgia,serif;color:var(--navy);margin:8px 0 13px}.sub{color:var(--muted);font-size:17px}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:#fff;border:1px solid var(--line);border-radius:15px;overflow:hidden;box-shadow:0 10px 32px rgba(5,20,35,.06);transition:.25s}.card:hover{transform:translateY(-4px);box-shadow:0 18px 42px rgba(5,20,35,.12)}.cardtop{height:145px;position:relative;overflow:hidden;background:linear-gradient(145deg,#0b2947,#d9a53b)}.cardtop:after{content:"";position:absolute;inset:0;background:radial-gradient(circle at 75% 25%,rgba(255,229,160,.95) 0 8%,transparent 9%),linear-gradient(155deg,transparent 42%,rgba(255,255,255,.15) 43% 46%,transparent 47%)}.cardbody{padding:24px}.card h3{margin:0 0 7px;color:var(--navy);font-size:19px}.card p{margin:0 0 13px;color:var(--muted)}.learn{color:#b57719;font-weight:850;font-size:14px}
.alt{background:var(--cream)}.split{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}.bullets{display:grid;gap:18px}.bullet{display:flex;gap:14px}.check{width:30px;height:30px;flex:0 0 30px;border-radius:50%;background:#edf5ef;color:#26733a;display:grid;place-items:center;font-weight:900}
.process{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.step{padding:28px;border:1px solid var(--line);border-radius:15px;background:#fff}.num{color:var(--gold);font:700 42px Georgia,serif}.step h3{color:var(--navy)}
.testimonial{background:var(--navy);color:#fff;padding:80px 0}.quote{max-width:850px;margin:auto;text-align:center}.quote blockquote{font:700 31px/1.25 Georgia,serif;margin:20px 0;color:#fff}.quote cite{color:#b8c5d2;font-style:normal}
.faq{max-width:850px;margin:auto}.faq details{border-bottom:1px solid var(--line);padding:18px 0}.faq summary{cursor:pointer;font-weight:800;color:var(--navy)}.faq p{color:var(--muted)}
.cta{background:linear-gradient(135deg,#061526,#123654);color:#fff;border-radius:25px;padding:58px}.cta h2{color:#fff}.cta p{color:#d8e2ec}.footer{background:#061526;color:#d9e1ea;padding:38px 0}.foot{display:flex;justify-content:space-between;gap:30px}.small{font-size:13px;color:#91a3b8}
.page{background:var(--cream);padding:75px 0}.page h1{font:700 58px/1.05 Georgia,serif;color:var(--navy);margin:0 0 12px}.formgrid{display:grid;grid-template-columns:.8fr 1.2fr;gap:30px}.box{border:1px solid var(--line);border-radius:18px;background:#fff;padding:30px}.form{display:grid;grid-template-columns:1fr 1fr;gap:15px}.field{display:flex;flex-direction:column;gap:7px}.full{grid-column:1/-1}input,select,textarea{font:inherit;padding:14px;border:1px solid #cbd5e1;border-radius:9px}textarea{min-height:130px}.notice{font-size:12px;color:#748095}
.cardimg{display:block;width:100%;height:170px;object-fit:cover;background:#0b2947}
.jump{display:flex;flex-wrap:wrap;gap:10px;margin-top:26px}.jump a{padding:9px 16px;border:1px solid var(--line);border-radius:999px;background:#fff;color:var(--navy);font-size:14px;font-weight:750}.jump a:hover{border-color:var(--gold);color:#b57719}
.product{display:grid;grid-template-columns:1fr 1.15fr;gap:56px;align-items:start;padding:70px 0;border-bottom:1px solid var(--line);scroll-margin-top:100px}.product:last-of-type{border-bottom:0}.product.flip .pimg{order:2}.pimg{position:sticky;top:120px}.pimg img{display:block;width:100%;border-radius:18px;box-shadow:var(--shadow)}.pimg figcaption{margin-top:10px;font-size:13px;color:var(--muted);text-align:center}
.product h2{font:700 clamp(30px,3.6vw,42px)/1.08 Georgia,serif;color:var(--navy);margin:6px 0 12px}.product h3{color:var(--navy);font-size:17px;margin:26px 0 8px}.product p{color:#3d4a5c}.product ul{margin:0;padding-left:20px;color:#3d4a5c}.product li{margin:6px 0}
.facts{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin:20px 0 6px}.facts div{background:var(--cream);border:1px solid var(--line);border-radius:12px;padding:12px 14px}.facts small{display:block;font-size:11px;letter-spacing:2px;text-transform:uppercase;color:var(--muted);font-weight:800}.facts b{color:var(--navy);font-size:15px}
.consider{margin-top:22px;padding:16px 18px;border-left:4px solid var(--gold);background:#fffaf0;border-radius:0 12px 12px 0}.consider b{color:var(--navy)}.consider p{margin:6px 0 0;font-size:15px}
.tablewrap{overflow-x:auto;border:1px solid var(--line);border-radius:15px;background:#fff}.compare{width:100%;border-collapse:collapse;min-width:760px;font-size:15px}.compare th,.compare td{padding:14px 16px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}.compare thead th{background:var(--navy);color:#fff;font-size:13px;letter-spacing:1px;text-transform:uppercase}.compare tbody th{color:var(--navy)}.compare tr:last-child td,.compare tr:last-child th{border-bottom:0}.compare td{color:#3d4a5c}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.grid2{display:grid;grid-template-columns:1fr 1fr;gap:18px}.tile{padding:28px;border:1px solid var(--line);border-radius:15px;background:#fff}.tile h3{color:var(--navy);margin:10px 0 6px}.tile p{color:var(--muted);margin:0}.icon{width:46px;height:46px;border-radius:12px;display:grid;place-items:center;background:linear-gradient(135deg,#f0c873,#c9912e);color:#10151d;font-size:22px;font-weight:900}
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;text-align:center}.stats div{padding:24px 14px;border-radius:15px;background:rgba(255,255,255,.06);border:1px solid rgba(244,207,123,.25)}.stats b{display:block;font:700 26px Georgia,serif;color:var(--gold2)}.stats small{color:#b8c5d2}
.story p{color:#3d4a5c;font-size:17px}.aboutart img{display:block;width:100%;border-radius:18px;box-shadow:var(--shadow)}
.timeline{max-width:820px;margin:auto;display:grid;gap:0}.tl{display:grid;grid-template-columns:70px 1fr;gap:18px;padding:20px 0;border-bottom:1px dashed var(--line)}.tl:last-child{border:0}.tl .num{font-size:34px;line-height:1}.tl h3{margin:0 0 4px;color:var(--navy)}.tl p{margin:0;color:var(--muted)}
@media(max-width:900px){.product,.grid3,.grid2{grid-template-columns:1fr;gap:28px}.product.flip .pimg{order:0}.pimg{position:static}.facts{grid-template-columns:1fr 1fr}.stats{grid-template-columns:1fr 1fr}.links{display:none}.logo{width:230px}.hero{min-height:720px}.heroart{width:100%;opacity:.42}.hero:after{background:linear-gradient(90deg,rgba(6,21,38,.98),rgba(6,21,38,.82),rgba(6,21,38,.45))}.trust{grid-template-columns:1fr 1fr;gap:18px}.trust div{border:0}.cards,.split,.process,.formgrid{grid-template-columns:1fr}.form{grid-template-columns:1fr}.full{grid-column:auto}.page h1{font-size:46px}}
@media(max-width:520px){.navin{height:72px}.logo{width:205px}.heroin{padding:72px 0}.hero h1{font-size:48px}.hero p{font-size:17px}.section{padding:62px 0}.cta{padding:36px 24px}}
.topbar{background:#030d18;color:#c9d5e2;font-size:13px}.topin{display:flex;justify-content:space-between;align-items:center;gap:16px;min-height:38px}.topin a{color:var(--gold2);font-weight:800}.topin span{opacity:.9}
.navphone{display:flex;flex-direction:column;line-height:1.15;color:#fff!important}.navphone small{font-size:11px;color:#9eafc1;letter-spacing:1px;text-transform:uppercase;font-weight:700}.navphone b{color:var(--gold2);font-size:16px}
.menubtn{display:none;background:none;border:1px solid rgba(244,207,123,.5);border-radius:8px;color:#fff;padding:9px 12px;font:inherit;font-weight:800;cursor:pointer}
.herogrid{position:relative;z-index:2;display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center;padding:80px 0 70px}.herogrid .heroin{padding:0;max-width:none}.hero .lead{font-size:20px}.heroproof{display:flex;flex-wrap:wrap;gap:8px 20px;margin:0 0 26px;padding:0;list-style:none;color:#e0e8f1;font-size:15px}.heroproof li:before{content:"✓ ";color:var(--gold2);font-weight:900}
.btn.lg{padding:17px 26px;font-size:17px}.btn.phone{background:#fff;color:var(--navy)}.btn.ghost{border:1px solid var(--line);color:var(--navy);background:#fff}
.quotecard{background:#fff;color:var(--ink);border-radius:20px;padding:28px;box-shadow:0 30px 70px rgba(0,0,0,.35);border-top:5px solid var(--gold)}.quotecard h2{font:700 27px/1.15 Georgia,serif;color:var(--navy);margin:0 0 4px}.quotecard .sub{font-size:15px;margin:0 0 16px}.quotecard .form{gap:11px}.quotecard input,.quotecard select{padding:12px}.quotecard label{font-size:13px;font-weight:700;color:var(--navy)}.quotecard .btn{width:100%}
.form label{font-weight:700;color:var(--navy);font-size:14px}.consent{display:flex!important;flex-direction:row!important;gap:10px;align-items:flex-start;font-size:12px!important;font-weight:400!important;color:var(--muted)!important;line-height:1.45}.consent input{margin-top:3px;flex:0 0 auto;padding:0;width:16px;height:16px}.consent a{text-decoration:underline}
fieldset{border:0;padding:0;margin:0 0 8px;grid-column:1/-1;display:grid;grid-template-columns:1fr 1fr;gap:15px}legend{font:700 20px Georgia,serif;color:var(--navy);padding:0;margin:0 0 4px;grid-column:1/-1}.stepno{display:inline-grid;place-items:center;width:26px;height:26px;border-radius:50%;background:var(--navy);color:var(--gold2);font:800 13px Inter,sans-serif;margin-right:8px;vertical-align:2px}
.chips{display:flex;flex-wrap:wrap;gap:8px}.chips label{position:relative}.chips input{position:absolute;opacity:0;pointer-events:none}.chips span{display:inline-block;padding:9px 15px;border:1px solid #cbd5e1;border-radius:999px;font-size:14px;font-weight:700;color:var(--navy);cursor:pointer;background:#fff}.chips input:checked+span{background:var(--navy);color:var(--gold2);border-color:var(--navy)}.chips input:focus-visible+span{outline:2px solid var(--gold);outline-offset:2px}
.contactcard{background:var(--navy);color:#fff;border-radius:18px;padding:28px}.contactcard h3{font:700 24px Georgia,serif;margin:0 0 6px}.contactcard p{color:#c9d5e2}.contactcard .btn{width:100%;margin-top:10px}.bignum{display:block;font:700 30px Georgia,serif;color:var(--gold2);margin:8px 0}
.stickybar{display:none}
.reviews{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.review{background:#fff;border:1px solid var(--line);border-radius:15px;padding:26px;display:flex;flex-direction:column;gap:12px;box-shadow:0 10px 32px rgba(5,20,35,.05)}.stars{color:var(--gold);letter-spacing:3px;font-size:18px}.review p{margin:0;color:#3d4a5c;flex:1}.review footer{display:flex;align-items:center;gap:12px}.avatar{width:42px;height:42px;border-radius:50%;background:var(--navy);color:var(--gold2);display:grid;place-items:center;font-weight:800}.review b{color:var(--navy);display:block;line-height:1.2}.review small{color:var(--muted)}
.ratingbar{display:flex;justify-content:center;align-items:center;gap:14px;flex-wrap:wrap;margin:-18px 0 34px;color:var(--muted)}.ratingbar b{color:var(--navy);font-size:22px}
.broker{display:grid;grid-template-columns:.8fr 1.2fr;gap:60px;align-items:center}.broker figure{margin:0;position:relative}.broker img{display:block;width:100%;border-radius:22px;box-shadow:var(--shadow);height:auto}.broker figcaption{display:inline-block;margin-top:14px;background:rgba(6,21,38,.9);color:#fff;padding:10px 16px;border-radius:12px;font-size:14px;border:1px solid rgba(244,207,123,.4)}.broker figcaption b{color:var(--gold2)}.journey{display:flex;flex-wrap:wrap;gap:10px;margin:22px 0}.journey span{padding:8px 14px;border-radius:999px;background:var(--cream);border:1px solid var(--line);font-size:14px;font-weight:750;color:var(--navy)}.journey span.now{background:var(--navy);color:var(--gold2);border-color:var(--navy)}.broker blockquote{margin:0;font:italic 21px/1.5 Georgia,serif;color:var(--navy);border-left:4px solid var(--gold);padding-left:18px}
.callstrip{background:linear-gradient(135deg,#f0c873,#c9912e);color:#10151d}.callin{display:flex;justify-content:space-between;align-items:center;gap:20px;padding:26px 0;flex-wrap:wrap}.callin h2{font:700 28px Georgia,serif;margin:0}.callin p{margin:0}.callin .btn{background:var(--navy);color:#fff}
.breadcrumb{font-size:13px;color:var(--muted);margin-bottom:14px}.breadcrumb a{color:#b57719;font-weight:700}
.posts{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.post{background:#fff;border:1px solid var(--line);border-radius:15px;padding:26px;display:flex;flex-direction:column;transition:.25s}.post:hover{transform:translateY(-3px);box-shadow:0 18px 42px rgba(5,20,35,.1)}.post .tag{font-size:11px;letter-spacing:2px;text-transform:uppercase;font-weight:800;color:#b57719}.post h3{color:var(--navy);margin:8px 0;font-size:20px;line-height:1.3}.post p{color:var(--muted);margin:0 0 14px;flex:1}
.article{max-width:760px;margin:auto}.article h2{font:700 30px/1.15 Georgia,serif;color:var(--navy);margin:38px 0 10px}.article h3{color:var(--navy);margin:26px 0 6px}.article p,.article li{color:#3d4a5c;font-size:17px}.article li{margin:6px 0}.article table{width:100%;border-collapse:collapse;margin:16px 0;font-size:15px}.article th,.article td{border:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top}.article thead th{background:var(--navy);color:#fff}.meta{color:var(--muted);font-size:14px}.inlinecta{margin:34px 0;padding:24px;border-radius:15px;background:var(--navy);color:#fff}.inlinecta h3{color:#fff;margin:0 0 6px;font:700 22px Georgia,serif}.inlinecta p{color:#c9d5e2!important;margin:0 0 14px}
.legal{max-width:820px;margin:auto}.legal h2{font:700 26px Georgia,serif;color:var(--navy);margin:34px 0 8px}.legal p,.legal li{color:#3d4a5c}
.foot{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:30px}.foot h4{color:#fff;margin:0 0 10px;font-size:14px;letter-spacing:2px;text-transform:uppercase}.foot ul{list-style:none;margin:0;padding:0;display:grid;gap:7px;font-size:14px}.foot a:hover{color:var(--gold2)}.footphone{display:block;color:var(--gold2);font:700 22px Georgia,serif;margin:10px 0 4px}.footlegal{border-top:1px solid rgba(255,255,255,.1);margin-top:30px;padding-top:20px;font-size:12px;color:#8193a8}
.faqlist{max-width:850px;margin:auto}
@media(max-width:1100px){.links{gap:18px}.navphone{display:none}}
@media(max-width:900px){.menubtn{display:block}.links.open{display:flex;position:absolute;top:100%;left:0;right:0;flex-direction:column;align-items:stretch;gap:0;background:#061526;border-bottom:1px solid rgba(216,166,61,.3);padding:8px 4% 18px}.links.open a{padding:13px 0;border-bottom:1px solid rgba(255,255,255,.08);font-size:16px}.links.open .navquote{margin-top:12px;text-align:center;border-bottom:0}.links.open .navphone{display:flex;border-bottom:0}.nav .navin{position:relative}
.herogrid{grid-template-columns:1fr;padding:60px 0}.reviews,.posts,.broker{grid-template-columns:1fr}.broker{gap:32px}.foot{grid-template-columns:1fr 1fr}.topin span.hidem{display:none}fieldset{grid-template-columns:1fr}
.stickybar{display:grid;grid-template-columns:1fr 1fr 1.3fr;position:fixed;left:0;right:0;bottom:0;z-index:60;background:#061526;border-top:1px solid rgba(216,166,61,.4);box-shadow:0 -8px 24px rgba(0,0,0,.25);padding:8px 8px calc(8px + env(safe-area-inset-bottom));gap:8px}.stickybar a{display:flex;align-items:center;justify-content:center;gap:6px;padding:13px 6px;border-radius:10px;font-weight:850;font-size:15px;color:#fff;border:1px solid rgba(244,207,123,.45)}.stickybar a.q{background:linear-gradient(135deg,#f0c873,#c9912e);color:#10151d;border:0}body{padding-bottom:76px}}
@media(max-width:520px){.foot{grid-template-columns:1fr}.quotecard{padding:22px}.callin h2{font-size:23px}}
.skip{position:absolute;left:-9999px;top:0}.skip:focus{left:12px;top:12px;z-index:100;background:#fff;color:var(--navy);padding:10px 14px;border-radius:8px;font-weight:800}
.phero{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}.phero h1{font-size:clamp(36px,4.6vw,54px)!important}.links a[aria-current=page]:not(.navquote){color:var(--gold2)}
@media(max-width:900px){.phero{grid-template-columns:1fr;gap:30px}}
.hero .quotecard p{color:var(--muted);font-size:15px;max-width:none}.hero .quotecard .consent span{color:var(--muted)}