@import url("https://fonts.googleapis.com/css2?family=Allura&family=Cormorant+Garamond:wght@500;600;700&family=DM+Sans:opsz,wght@9..40,400;9..40,500;9..40,600;9..40,700;9..40,800&display=swap");

:root {
  --navy-950: #00142f;
  --navy-900: #002356;
  --navy-800: #07366f;
  --blue-100: #eaf2fb;
  --gold-800: #70471b;
  --gold-700: #875a25;
  --gold-600: #ac8659;
  --gold-500: #d2a34f;
  --gold-300: #e8c97f;
  --gold-200: #f2dda9;
  --gold-metal: linear-gradient(115deg, #70471b 0%, #ac8659 17%, #fff1c7 38%, #c58c3f 55%, #efd79d 73%, #815323 100%);
  --gold-metal-soft: linear-gradient(135deg, #8c6235 0%, #d8b675 25%, #fff2c9 47%, #c38b43 68%, #f0d69c 82%, #8b5d2d 100%);
  --ink: #14213a;
  --muted: #5b6678;
  --white: #fff;
  --surface: #f7f9fc;
  --line: #dfe6f0;
  --shadow-sm: 0 10px 30px rgba(0, 35, 86, .08);
  --shadow-lg: 0 24px 60px rgba(0, 20, 47, .16);
  --radius: 22px;
  --max: 1180px;
  --font-body: "DM Sans", Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  --font-display: "Cormorant Garamond", Georgia, "Times New Roman", serif;
  --font-signature: "Allura", "Segoe Script", cursive;
}

* { box-sizing: border-box; }

html {
  min-width: 320px;
  scroll-behavior: smooth;
  scroll-padding-top: 96px;
}

body {
  margin: 0;
  color: var(--ink);
  background: var(--white);
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

body.menu-open { overflow: hidden; }

img { max-width: 100%; }

a { color: inherit; }

button,
input,
select,
textarea { font: inherit; }

button,
a { -webkit-tap-highlight-color: transparent; }

:focus-visible {
  outline: 3px solid rgba(202, 166, 111, .7);
  outline-offset: 3px;
}

.skip-link {
  position: fixed;
  top: 8px;
  left: 8px;
  z-index: 1000;
  padding: 10px 14px;
  border-radius: 10px;
  color: var(--white);
  background: var(--navy-950);
  transform: translateY(-150%);
}

.skip-link:focus { transform: translateY(0); }

.container {
  width: min(calc(100% - 40px), var(--max));
  margin-inline: auto;
}

.eyebrow {
  margin: 0 0 12px;
  color: var(--gold-700);
  font-size: .78rem;
  font-weight: 800;
  letter-spacing: .17em;
  text-transform: uppercase;
}

.section {
  padding: 88px 0;
}

.section-soft { background: var(--surface); }

.section-dark {
  color: var(--white);
  border-block: 1px solid rgba(232, 201, 127, .22);
  background:
    radial-gradient(circle at 12% 20%, rgba(232,201,127,.15), transparent 30rem),
    linear-gradient(135deg, #000a24, var(--navy-900) 62%, #001334);
}

.section-heading {
  max-width: 760px;
  margin-bottom: 34px;
}

.section-heading.center {
  margin-inline: auto;
  text-align: center;
}

.section-heading h2,
.page-hero h1,
.article-header h1 {
  margin: 0;
  color: var(--navy-950);
  font-family: var(--font-display);
  font-weight: 600;
  letter-spacing: -.035em;
  line-height: 1.08;
}

.section-heading h2 { font-size: clamp(2rem, 4.5vw, 3.5rem); }

.section-heading p {
  margin: 16px 0 0;
  color: var(--muted);
  font-size: 1.08rem;
}

.section-dark .eyebrow,
.hero .eyebrow { color: var(--gold-200); }

.section-dark .section-heading h2,
.section-dark .section-heading p { color: var(--white); }

.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  border-bottom: 1px solid rgba(232, 201, 127, .38);
  background: rgba(0, 20, 47, .97);
  box-shadow: 0 10px 34px rgba(0, 9, 32, .18);
  backdrop-filter: blur(16px);
}

.nav-wrap {
  min-height: 78px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  color: var(--white);
  text-decoration: none;
}

.brand-mark {
  width: 52px;
  height: 52px;
  flex: 0 0 52px;
  display: block;
  overflow: hidden;
  color: transparent;
  background: url("bg-logo-mark.png") center / contain no-repeat;
  filter: drop-shadow(0 6px 12px rgba(232, 201, 127, .18));
  font-size: 0;
}

.brand-copy {
  display: grid;
  line-height: 1.1;
}

.brand-copy strong {
  color: var(--white);
  font-family: var(--font-display);
  font-size: 1.25rem;
  font-weight: 700;
  letter-spacing: .075em;
}

.brand-copy small {
  margin-top: 4px;
  color: var(--gold-200);
  font-size: .7rem;
  font-weight: 800;
  letter-spacing: .13em;
  text-transform: uppercase;
}

.main-nav {
  display: flex;
  align-items: center;
  gap: 26px;
}

.main-nav > a:not(.button) {
  color: #eef3fa;
  font-size: .93rem;
  font-weight: 700;
  text-decoration: none;
}

.main-nav > a:not(.button):hover { color: var(--gold-200); }

.menu-button {
  display: none;
  width: 44px;
  height: 44px;
  border: 1px solid rgba(232, 201, 127, .5);
  border-radius: 12px;
  color: var(--gold-200);
  background: rgba(255,255,255,.05);
  cursor: pointer;
}

.menu-button span,
.menu-button::before,
.menu-button::after {
  content: "";
  display: block;
  width: 21px;
  height: 2px;
  margin: 5px auto;
  background: currentColor;
  transition: transform .18s ease, opacity .18s ease;
}

.menu-button[aria-expanded="true"] span { opacity: 0; }
.menu-button[aria-expanded="true"]::before { transform: translateY(7px) rotate(45deg); }
.menu-button[aria-expanded="true"]::after { transform: translateY(-7px) rotate(-45deg); }

.button {
  min-height: 48px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 9px;
  padding: 12px 20px;
  border: 1px solid #f0d99e;
  border-radius: 999px;
  color: var(--navy-950);
  background: var(--gold-metal);
  background-size: 180% 180%;
  box-shadow: inset 0 1px 0 rgba(255,255,255,.72), inset 0 -1px 0 rgba(112,71,27,.32), 0 12px 28px rgba(112,71,27,.24);
  font-weight: 800;
  line-height: 1.2;
  text-decoration: none;
  cursor: pointer;
  transition: transform .18s ease, box-shadow .18s ease, background-position .3s ease;
}

.button:hover {
  transform: translateY(-2px);
  background-position: 100% 50%;
  box-shadow: inset 0 1px 0 rgba(255,255,255,.8), inset 0 -1px 0 rgba(112,71,27,.35), 0 16px 34px rgba(112,71,27,.34);
}

.button.secondary {
  color: var(--white);
  border-color: rgba(242,221,169,.62);
  background: rgba(255,255,255,.06);
  box-shadow: none;
}

.button.secondary:hover { background: rgba(255,255,255,.15); }

.button.navy {
  color: var(--white);
  border-color: rgba(210,163,79,.65);
  background: linear-gradient(135deg, #00142f, #07366f 54%, #00142f);
  box-shadow: inset 0 1px 0 rgba(255,255,255,.12), 0 12px 28px rgba(0,35,86,.23);
}

.button.small {
  min-height: 42px;
  padding: 10px 17px;
  font-size: .88rem;
}

.hero {
  position: relative;
  overflow: hidden;
  color: var(--white);
  background:
    radial-gradient(circle at 82% 18%, rgba(232,201,127,.22), transparent 28rem),
    linear-gradient(135deg, #000716 0%, #002356 58%, #00122f 100%);
}

.hero::before,
.hero::after {
  content: "";
  position: absolute;
  pointer-events: none;
  border: 1px solid rgba(234,215,173,.17);
  border-radius: 50%;
}

.hero::before {
  width: 580px;
  height: 580px;
  right: -240px;
  top: -300px;
}

.hero::after {
  width: 380px;
  height: 380px;
  left: -290px;
  bottom: -250px;
}

.hero-grid {
  position: relative;
  min-height: 660px;
  display: grid;
  grid-template-columns: 1.08fr .92fr;
  align-items: center;
  gap: 70px;
  padding: 72px 0 82px;
}

.hero h1 {
  max-width: 760px;
  margin: 0;
  color: var(--white);
  font-family: var(--font-display);
  font-size: clamp(3rem, 6vw, 5.6rem);
  font-weight: 600;
  line-height: .99;
  letter-spacing: -.055em;
}

.hero h1 span {
  color: #f2dda9;
  background: var(--gold-metal-soft);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
}

.hero-copy > p:not(.eyebrow) {
  max-width: 690px;
  margin: 24px 0 0;
  color: #d9e4f3;
  font-size: clamp(1.05rem, 2vw, 1.22rem);
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 30px;
}

.trust-list {
  display: flex;
  flex-wrap: wrap;
  gap: 11px 22px;
  margin: 30px 0 0;
  padding: 0;
  list-style: none;
  color: #dce7f5;
  font-size: .88rem;
  font-weight: 700;
}

.trust-list li::before {
  content: "✓";
  margin-right: 8px;
  color: var(--gold-200);
}

.hero-visual {
  position: relative;
  width: min(100%, 465px);
  justify-self: end;
}

.portrait-card {
  position: relative;
  z-index: 2;
  overflow: hidden;
  aspect-ratio: .83;
  border: 1px solid rgba(242,221,169,.72);
  border-radius: 180px 180px 28px 28px;
  background: #063a32;
  box-shadow: inset 0 0 0 1px rgba(255,255,255,.08), 0 34px 70px rgba(0,0,0,.38), 0 0 34px rgba(210,163,79,.1);
}

.portrait-card img {
  width: 100%;
  height: 100%;
  display: block;
  object-fit: cover;
  object-position: center 23%;
}

.portrait-note {
  position: absolute;
  z-index: 3;
  left: -34px;
  bottom: 36px;
  width: min(310px, 82%);
  padding: 19px 22px;
  border: 1px solid rgba(210,163,79,.62);
  border-radius: 16px;
  color: var(--navy-950);
  background: rgba(255,255,255,.94);
  box-shadow: var(--shadow-lg);
  backdrop-filter: blur(10px);
}

.portrait-note strong {
  display: block;
  color: var(--navy-950);
  font-family: var(--font-signature);
  font-size: clamp(1.75rem, 3vw, 2.35rem);
  font-weight: 400;
  line-height: .92;
}

.portrait-note span {
  display: block;
  margin-top: 8px;
  color: var(--gold-800);
  font-size: .76rem;
  font-weight: 800;
  letter-spacing: .08em;
  text-transform: uppercase;
}

.quick-bar {
  position: relative;
  z-index: 6;
  margin-top: -36px;
}

.quick-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  overflow: hidden;
  border: 1px solid rgba(172,134,89,.38);
  border-radius: 22px;
  background: var(--white);
  box-shadow: var(--shadow-lg);
}

.quick-item {
  min-height: 108px;
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 20px;
  text-decoration: none;
  transition: background .18s ease, transform .18s ease, box-shadow .18s ease;
}

.quick-item + .quick-item { border-left: 1px solid var(--line); }
.quick-item:hover,
.quick-item:focus-visible {
  position: relative;
  z-index: 2;
  background: #f7f9fc;
  box-shadow: inset 0 -3px 0 var(--gold-500);
  transform: translateY(-2px);
}

.quick-icon {
  flex: 0 0 66px;
  width: 66px;
  height: 50px;
  display: grid;
  place-items: center;
  color: var(--navy-950);
}

.quick-icon img {
  width: 100%;
  height: 100%;
  display: block;
  object-fit: contain;
  filter: drop-shadow(0 5px 8px rgba(0,35,86,.14));
}

.quick-icon.bg-access img { width: 48px; }

.quick-item strong {
  display: block;
  color: var(--navy-900);
  font-size: .96rem;
}

.quick-item small {
  display: block;
  margin-top: 2px;
  color: var(--muted);
  font-size: .76rem;
  line-height: 1.35;
}

.service-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}

.service-card {
  position: relative;
  min-height: 290px;
  display: flex;
  flex-direction: column;
  padding: 28px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--white);
  box-shadow: var(--shadow-sm);
  color: inherit;
  cursor: pointer;
  text-decoration: none;
  transition: transform .18s ease, box-shadow .18s ease, border-color .18s ease;
}

.service-card:hover,
.service-card:focus-visible {
  transform: translateY(-4px);
  border-color: rgba(172,134,89,.68);
  box-shadow: var(--shadow-lg);
}

.service-number {
  width: 46px;
  height: 46px;
  display: grid;
  place-items: center;
  border-radius: 15px;
  color: var(--navy-900);
  border: 1px solid #f2dda9;
  background: var(--gold-metal-soft);
  box-shadow: inset 0 1px 0 rgba(255,255,255,.75), 0 8px 18px rgba(112,71,27,.16);
  font-family: var(--font-display);
  font-size: 1.12rem;
  font-weight: 700;
}

.service-card h3 {
  margin: 20px 0 9px;
  color: var(--navy-950);
  font-family: var(--font-display);
  font-size: 1.45rem;
  line-height: 1.15;
}

.service-card p {
  margin: 0;
  color: var(--muted);
  font-size: .94rem;
}

.text-link {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  margin-top: auto;
  padding-top: 20px;
  color: var(--gold-800);
  font-weight: 800;
  text-decoration: none;
}

.text-link::after { content: "→"; }
.text-link:hover { color: var(--navy-900); }

.quote-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 18px;
}

.quote-card {
  min-height: 156px;
  display: grid;
  grid-template-columns: 126px 1fr auto;
  align-items: center;
  gap: 20px;
  padding: 22px;
  border: 1px solid rgba(232,201,127,.34);
  border-radius: var(--radius);
  color: var(--white);
  background: rgba(255,255,255,.07);
  text-decoration: none;
  transition: background .18s ease, transform .18s ease;
}

.quote-card:hover {
  transform: translateY(-3px);
  border-color: rgba(242,221,169,.66);
  background: rgba(255,255,255,.12);
}

.quote-logo {
  width: 128px;
  height: 78px;
  display: grid;
  place-items: center;
  padding: 4px;
}

.quote-logo img {
  width: 100%;
  height: 100%;
  object-fit: contain;
  filter: drop-shadow(0 8px 12px rgba(0,0,0,.22));
}

.quote-card h3 {
  margin: 0;
  font-family: var(--font-display);
  font-size: 1.35rem;
  line-height: 1.15;
}

.quote-card p {
  margin: 6px 0 0;
  color: #cfdbea;
  font-size: .88rem;
  line-height: 1.45;
}

.quote-arrow {
  color: var(--gold-200);
  font-size: 1.7rem;
}

.process-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.process-step {
  position: relative;
  padding: 4px 0;
}

.process-step:not(:last-child)::after {
  content: "";
  position: absolute;
  width: calc(100% - 84px);
  height: 1px;
  top: 26px;
  left: 70px;
  background: linear-gradient(90deg, var(--gold-500), transparent);
}

.step-count {
  width: 52px;
  height: 52px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  color: var(--white);
  border: 2px solid var(--gold-500);
  background: linear-gradient(145deg, var(--navy-900), var(--navy-950));
  box-shadow: 0 10px 24px rgba(0,35,86,.2), 0 0 0 4px rgba(210,163,79,.1);
  font-weight: 850;
}

.process-step h3 {
  margin: 18px 0 8px;
  color: var(--navy-950);
  font-family: var(--font-display);
  font-size: 1.28rem;
}

.process-step p {
  margin: 0;
  color: var(--muted);
}

.about-grid {
  display: grid;
  grid-template-columns: .85fr 1.15fr;
  align-items: center;
  gap: 70px;
}

.about-photo {
  position: relative;
  overflow: hidden;
  aspect-ratio: .92;
  border-radius: 30px 130px 30px 30px;
  background: #063a32;
  box-shadow: var(--shadow-lg);
}

.about-photo img {
  width: 100%;
  height: 100%;
  display: block;
  object-fit: cover;
  object-position: center 22%;
}

.about-copy h2 {
  margin: 0;
  color: var(--navy-950);
  font-family: var(--font-display);
  font-size: clamp(2.15rem, 4vw, 3.6rem);
  line-height: 1.06;
  letter-spacing: -.035em;
}

.about-copy p { color: var(--muted); }

.about-points {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 10px;
  margin: 24px 0;
  padding: 0;
  list-style: none;
}

.about-points li {
  padding: 12px 14px;
  border-left: 3px solid var(--gold-600);
  color: var(--navy-900);
  background: var(--surface);
  font-size: .9rem;
  font-weight: 700;
}

.carrier-groups {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}

.carrier-group {
  padding: 22px;
  border: 1px solid var(--line);
  border-radius: 18px;
  background: var(--white);
}

.carrier-group.life-group {
  grid-column: span 2;
  background:
    radial-gradient(circle at 90% 12%, rgba(232,201,127,.16), transparent 14rem),
    linear-gradient(145deg, var(--navy-950), var(--navy-900));
  border-color: rgba(172,134,89,.55);
}

.carrier-group.life-group h3 { color: var(--gold-200); }

.carrier-logo-list {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
}

.life-group .carrier-logo-list {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.carrier-logo {
  min-height: 64px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 9px;
  padding: 8px 10px;
  color: var(--navy-900);
  text-align: center;
  transition: transform .25s ease, filter .25s ease;
}

.carrier-logo:hover {
  transform: translateY(-5px) scale(1.035);
  filter: drop-shadow(0 10px 12px rgba(0,35,86,.16));
}

.carrier-logo img {
  width: 32px;
  height: 32px;
  flex: 0 0 auto;
  object-fit: contain;
}

.carrier-logo.brand-wordmark img {
  width: 100%;
  height: 42px;
  max-width: 126px;
}

.carrier-logo.presidio-wordmark img {
  filter: brightness(0) saturate(100%) invert(13%) sepia(31%) saturate(2935%) hue-rotate(184deg) brightness(83%);
}

.carrier-logo strong {
  font-size: .78rem;
  line-height: 1.15;
}

.carrier-logo.life-logo {
  min-height: 76px;
  animation: carrier-float 5s ease-in-out infinite;
}

.carrier-logo.life-logo:nth-child(2n) { animation-delay: -.9s; }
.carrier-logo.life-logo:nth-child(3n) { animation-delay: -1.8s; }

.carrier-logo.life-logo img {
  width: 100%;
  height: 52px;
  max-width: 150px;
}

.carrier-logo.life-logo img[src$="americo.png"] { max-width: 132px; }
.carrier-logo.life-logo img[src$="ethos.png"] { max-width: 108px; }
.carrier-logo.life-logo img[src$="national-life.png"] { filter: brightness(0) invert(1); }

@keyframes carrier-float {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-5px); }
}

.life-carriers-showcase {
  margin: 34px 0;
  padding: 28px;
  border: 1px solid rgba(172,134,89,.5);
  border-radius: var(--radius);
  background:
    radial-gradient(circle at 88% 0%, rgba(232,201,127,.2), transparent 18rem),
    linear-gradient(145deg, var(--navy-950), var(--navy-900));
  box-shadow: var(--shadow-lg);
}

.life-carriers-showcase h2 {
  margin-top: 0;
  color: var(--white);
}

.life-carriers-showcase p { color: #cfdaea; }

.life-carriers-showcase .carrier-logo-list {
  grid-template-columns: repeat(5, minmax(0, 1fr));
}

.carrier-group h3 {
  margin: 0 0 12px;
  color: var(--navy-900);
  font-size: 1rem;
}

.carrier-group p {
  margin: 0;
  color: var(--muted);
  font-size: .83rem;
  line-height: 1.65;
}

.carrier-note {
  margin: 20px 0 0;
  color: var(--muted);
  font-size: .8rem;
  text-align: center;
}

.resource-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}

.resource-card {
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--white);
  box-shadow: var(--shadow-sm);
}

.resource-top {
  min-height: 118px;
  display: flex;
  align-items: flex-end;
  padding: 20px;
  color: var(--gold-200);
  background:
    radial-gradient(circle at 88% 20%, rgba(232,201,127,.26), transparent 9rem),
    linear-gradient(135deg, var(--navy-950), var(--navy-800));
  border-bottom: 1px solid rgba(232,201,127,.34);
  font-size: .76rem;
  font-weight: 800;
  letter-spacing: .12em;
  text-transform: uppercase;
}

.resource-body { padding: 24px; }

.resource-body h3 {
  margin: 0;
  color: var(--navy-950);
  font-family: var(--font-display);
  font-size: 1.33rem;
  line-height: 1.2;
}

.resource-body p {
  margin: 12px 0 0;
  color: var(--muted);
  font-size: .9rem;
}

.lead-grid {
  display: grid;
  grid-template-columns: .85fr 1.15fr;
  align-items: start;
  gap: 58px;
}

.lead-copy h2 {
  margin: 0;
  color: var(--white);
  font-family: var(--font-display);
  font-size: clamp(2.2rem, 4.5vw, 3.8rem);
  line-height: 1.05;
}

.lead-copy p { color: #cedbea; }

.contact-list {
  margin: 28px 0 0;
  padding: 0;
  list-style: none;
}

.contact-list li {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-top: 13px;
  color: #e0e9f4;
}

.contact-list a { text-underline-offset: 3px; }

.form-card {
  padding: 30px;
  border: 1px solid rgba(232,201,127,.4);
  border-radius: 26px;
  background: rgba(255,255,255,.08);
  box-shadow: 0 24px 60px rgba(0,0,0,.22);
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}

.field { margin-bottom: 14px; }

.field label {
  display: block;
  margin-bottom: 6px;
  color: #f2f5f9;
  font-size: .85rem;
  font-weight: 700;
}

.field input,
.field select,
.field textarea {
  width: 100%;
  min-height: 50px;
  padding: 12px 14px;
  border: 1px solid rgba(255,255,255,.24);
  border-radius: 12px;
  color: var(--white);
  background: rgba(0,20,47,.6);
}

.field select option { color: var(--ink); background: var(--white); }

.field textarea {
  min-height: 92px;
  resize: vertical;
}

.field input::placeholder,
.field textarea::placeholder { color: rgba(224,233,244,.62); }

.form-note {
  margin: 12px 0 0;
  color: #bdcadb;
  font-size: .76rem;
  line-height: 1.45;
}

.form-status {
  min-height: 24px;
  margin: 10px 0 0;
  color: var(--gold-200);
  font-size: .82rem;
}

.faq-list {
  max-width: 880px;
  margin: 0 auto;
}

.faq-list details {
  border-bottom: 1px solid var(--line);
  padding: 0;
}

.faq-list summary {
  position: relative;
  padding: 22px 48px 22px 0;
  color: var(--navy-950);
  font-size: 1.03rem;
  font-weight: 800;
  cursor: pointer;
  list-style: none;
}

.faq-list summary::-webkit-details-marker { display: none; }

.faq-list summary::after {
  content: "+";
  position: absolute;
  right: 4px;
  top: 17px;
  width: 34px;
  height: 34px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  color: var(--navy-900);
  background: var(--blue-100);
  font-size: 1.28rem;
}

.faq-list details[open] summary::after { content: "−"; }

.faq-list details p {
  margin: 0;
  padding: 0 48px 22px 0;
  color: var(--muted);
}

.cta-banner {
  display: grid;
  grid-template-columns: 1fr auto;
  align-items: center;
  gap: 28px;
  padding: 34px 40px;
  border-radius: 26px;
  border: 1px solid rgba(232,201,127,.45);
  color: var(--white);
  background:
    radial-gradient(circle at 90% 10%, rgba(234,215,173,.18), transparent 14rem),
    linear-gradient(135deg, var(--navy-950), var(--navy-800));
  box-shadow: var(--shadow-lg);
}

.cta-banner h2 {
  margin: 0;
  font-family: var(--font-display);
  font-size: clamp(1.8rem, 3.5vw, 2.7rem);
  line-height: 1.1;
}

.cta-banner p {
  margin: 8px 0 0;
  color: #d4dfed;
}

.page-hero {
  padding: 86px 0 76px;
  color: var(--white);
  border-bottom: 1px solid rgba(232,201,127,.36);
  background:
    radial-gradient(circle at 80% 10%, rgba(232,201,127,.22), transparent 24rem),
    linear-gradient(135deg, #000a24, var(--navy-900) 64%, #001334);
}

.page-hero .breadcrumbs,
.article-header .breadcrumbs {
  margin: 0 0 16px;
  color: var(--gold-700);
  font-size: .83rem;
  font-weight: 750;
}

.page-hero .breadcrumbs { color: var(--gold-200); }

.page-hero h1 { color: var(--white); font-size: clamp(2.7rem, 6vw, 5rem); }

.page-hero p {
  max-width: 760px;
  margin: 20px 0 0;
  color: #d8e3f1;
  font-size: 1.12rem;
}

.page-hero .hero-actions { margin-top: 25px; }

.content-layout {
  display: grid;
  grid-template-columns: 1fr 330px;
  align-items: start;
  gap: 58px;
}

.prose {
  color: #334159;
  font-size: 1.02rem;
}

.prose h2,
.prose h3 {
  color: var(--navy-950);
  font-family: var(--font-display);
  line-height: 1.18;
}

.prose h2 {
  margin: 46px 0 15px;
  font-size: 2rem;
}

.prose h3 {
  margin: 28px 0 10px;
  font-size: 1.35rem;
}

.prose p { margin: 0 0 18px; }

.prose ul,
.prose ol { padding-left: 22px; }

.prose li { margin: 8px 0; }

.highlight-box {
  margin: 28px 0;
  padding: 24px;
  border-left: 4px solid var(--gold-600);
  border-radius: 0 16px 16px 0;
  background: var(--surface);
}

.sidebar-card {
  position: sticky;
  top: 104px;
  padding: 24px;
  border: 1px solid var(--line);
  border-radius: 20px;
  background: var(--white);
  box-shadow: var(--shadow-sm);
}

.sidebar-card h2,
.sidebar-card h3 {
  margin: 0;
  color: var(--navy-950);
  font-family: var(--font-display);
  font-size: 1.35rem;
  line-height: 1.2;
}

.sidebar-card p {
  margin: 10px 0 18px;
  color: var(--muted);
  font-size: .88rem;
}

.sidebar-card .button {
  width: 100%;
  margin-top: 10px;
}

.article-header {
  padding: 78px 0 54px;
  border-top: 2px solid var(--gold-600);
  border-bottom: 1px solid rgba(172,134,89,.28);
  background: linear-gradient(180deg, #f2f6fb, var(--white));
}

.article-header .container { max-width: 900px; }

.article-header h1 { font-size: clamp(2.5rem, 5vw, 4.4rem); }

.article-deck {
  max-width: 760px;
  margin: 20px 0 0;
  color: var(--muted);
  font-size: 1.14rem;
}

.article-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 12px 22px;
  margin-top: 22px;
  color: var(--gold-700);
  font-size: .82rem;
  font-weight: 750;
}

.article-body {
  max-width: 820px;
  margin-inline: auto;
}

.article-body .prose { font-size: 1.05rem; }

.site-footer {
  padding: 58px 0 24px;
  color: #cbd7e6;
  border-top: 1px solid rgba(232,201,127,.42);
  background: var(--navy-950);
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 36px;
}

.site-footer .brand { color: var(--white); }

.site-footer .brand-mark { display: none; }

.footer-intro {
  max-width: 370px;
  margin: 18px 0 0;
  color: #aebdd0;
  font-size: .88rem;
}

.footer-column h2,
.footer-column h3 {
  margin: 0 0 14px;
  color: var(--gold-200);
  font-size: .83rem;
  letter-spacing: .12em;
  text-transform: uppercase;
}

.footer-column a,
.footer-column span {
  display: block;
  margin: 8px 0;
  color: #cbd7e6;
  font-size: .86rem;
  text-decoration: none;
}

.footer-column a:hover { color: var(--gold-200); }

.social-row {
  display: flex;
  gap: 9px;
  margin-top: 18px;
}

.social-row a {
  width: 40px;
  height: 40px;
  display: grid;
  place-items: center;
  margin: 0;
  border: 1px solid rgba(232,201,127,.34);
  border-radius: 50%;
  transition: border-color .18s ease, background .18s ease, transform .18s ease;
}

.social-row a:hover {
  transform: translateY(-2px);
  border-color: var(--gold-300);
  background: rgba(232,201,127,.1);
}

.social-row img {
  width: 21px;
  height: 21px;
}

.footer-bottom {
  display: flex;
  justify-content: space-between;
  gap: 24px;
  margin-top: 42px;
  padding-top: 22px;
  border-top: 1px solid rgba(255,255,255,.1);
  color: #8293a9;
  font-size: .76rem;
}

.whatsapp-float {
  position: fixed;
  z-index: 90;
  right: 22px;
  bottom: 22px;
  min-height: 54px;
  display: inline-flex;
  align-items: center;
  gap: 9px;
  padding: 12px 18px;
  border-radius: 999px;
  color: var(--white);
  background: #168a57;
  box-shadow: 0 16px 38px rgba(0,0,0,.26);
  font-size: .88rem;
  font-weight: 800;
  text-decoration: none;
}

.whatsapp-float img {
  width: 24px;
  height: 24px;
}

@media (max-width: 1020px) {
  .menu-button { display: block; }

  .main-nav {
    position: fixed;
    inset: 78px 0 auto;
    display: none;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    padding: 18px 20px 26px;
    border-bottom: 1px solid rgba(232,201,127,.35);
    background: rgba(0,20,47,.99);
    box-shadow: var(--shadow-lg);
  }

  .main-nav.open { display: flex; }

  .main-nav > a:not(.button) {
    padding: 14px 6px;
    border-bottom: 1px solid rgba(255,255,255,.11);
  }

  .main-nav .button { margin-top: 14px; }

  .hero-grid {
    grid-template-columns: 1fr .72fr;
    gap: 36px;
  }

  .quick-grid { grid-template-columns: repeat(2, 1fr); }
  .quick-item:nth-child(3) { border-left: 0; border-top: 1px solid var(--line); }
  .quick-item:nth-child(4) { border-top: 1px solid var(--line); }

  .service-grid { grid-template-columns: repeat(2, 1fr); }
  .carrier-groups { grid-template-columns: repeat(2, 1fr); }
  .life-carriers-showcase .carrier-logo-list { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .footer-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 760px) {
  .container { width: min(calc(100% - 28px), var(--max)); }
  .section { padding: 66px 0; }
  .nav-wrap { min-height: 70px; }
  .main-nav { inset-block-start: 70px; }
  .brand-copy small { display: none; }

  .hero-grid {
    min-height: auto;
    grid-template-columns: 1fr;
    padding: 56px 0 94px;
  }

  .hero h1 { font-size: clamp(2.65rem, 13vw, 4.2rem); }
  .hero-visual { width: min(86%, 430px); justify-self: center; }
  .portrait-note { left: -12px; bottom: 24px; }

  .quick-bar { margin-top: -44px; }
  .quick-grid { grid-template-columns: 1fr; }
  .quick-item + .quick-item { border-left: 0; border-top: 1px solid var(--line); }

  .service-grid,
  .quote-grid,
  .resource-grid,
  .process-grid,
  .about-grid,
  .lead-grid,
  .content-layout { grid-template-columns: 1fr; }

  .process-step:not(:last-child)::after { display: none; }
  .quote-card { grid-template-columns: 106px 1fr 18px; gap: 14px; }
  .quote-logo { width: 102px; height: 65px; }
  .about-grid { gap: 36px; }
  .about-photo { width: min(92%, 490px); margin-inline: auto; }
  .content-layout { gap: 34px; }
  .life-group .carrier-logo-list { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .sidebar-card { position: static; }
  .cta-banner { grid-template-columns: 1fr; padding: 28px; }
  .footer-bottom { flex-direction: column; }
}

@media (max-width: 520px) {
  .section { padding: 56px 0; }
  .brand-mark { width: 46px; height: 46px; flex-basis: 46px; }
  .brand-copy strong { font-size: 1.04rem; }
  .hero-actions { flex-direction: column; }
  .hero-actions .button { width: 100%; }
  .trust-list { display: grid; gap: 8px; }
  .service-grid,
  .carrier-groups,
  .footer-grid,
  .about-points,
  .form-row { grid-template-columns: 1fr; }
  .service-card { min-height: 260px; }
  .carrier-group.life-group { grid-column: auto; }
  .life-carriers-showcase { padding: 22px 16px; }
  .life-carriers-showcase .carrier-logo-list { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .quote-card { grid-template-columns: 88px 1fr 14px; padding: 18px 14px; }
  .quote-logo { width: 86px; height: 58px; }
  .quote-card h3 { font-size: 1.13rem; }
  .quote-card p { font-size: .78rem; }
  .form-card { padding: 22px 18px; }
  .whatsapp-float { right: 14px; bottom: 14px; width: 54px; padding: 12px; justify-content: center; }
  .whatsapp-float span { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition: none !important; }
  .carrier-logo.life-logo { animation: none !important; }
}