:root{--navy:#0b1f33;--navy-2:#102b45;--ink:#132238;--muted:#5c6877;--paper:#f5f3ed;--white:#fff;--green:#8dd38b;--green-dark:#1f6f4a;--line:#d9dedb;--shadow:0 24px 70px rgba(11,31,51,.14);--radius:22px;--shell:min(1160px,calc(100% - 40px))}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);background:var(--white);font-family:"IBM Plex Sans",system-ui,sans-serif;font-size:16px;line-height:1.65;-webkit-font-smoothing:antialiased}img{display:block;max-width:100%}a{color:inherit;text-decoration:none}button,input,select,textarea{font:inherit}.shell{width:var(--shell);margin-inline:auto}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.skip-link{position:fixed;top:12px;left:12px;z-index:1000;padding:10px 14px;background:var(--white);border-radius:8px;transform:translateY(-150%)}.skip-link:focus{transform:none}.site-header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.92);border-bottom:1px solid rgba(11,31,51,.08);backdrop-filter:blur(14px)}.nav-wrap{display:flex;align-items:center;justify-content:space-between;min-height:78px}.brand{display:inline-flex;align-items:center;gap:12px}.brand-mark{display:grid;place-items:center;width:40px;height:40px;border-radius:50%;background:var(--navy);color:var(--green);font-family:Newsreader,serif;font-size:25px;font-weight:600}.brand span:last-child{display:flex;flex-direction:column;line-height:1.1}.brand strong{font-size:15px;letter-spacing:.02em}.brand small{margin-top:5px;color:var(--muted);font-size:11px;letter-spacing:.14em;text-transform:uppercase}.site-nav{display:flex;align-items:center;gap:30px;font-size:14px;font-weight:600}.site-nav>a:not(.button){position:relative}.site-nav>a:not(.button):after{content:"";position:absolute;left:0;right:100%;bottom:-6px;height:2px;background:var(--green-dark);transition:right .2s ease}.site-nav>a:hover:after,.site-nav>a:focus-visible:after{right:0}.menu-toggle{display:none;background:none;border:0;padding:10px}.menu-toggle span:not(.sr-only){display:block;width:24px;height:2px;margin:5px;background:var(--navy)}.button{display:inline-flex;align-items:center;justify-content:center;min-height:52px;padding:0 25px;border:1px solid var(--green);border-radius:999px;background:var(--green);color:#092117;font-weight:700;cursor:pointer;transition:transform .2s ease,box-shadow .2s ease,background .2s ease}.button:hover{transform:translateY(-2px);box-shadow:0 12px 28px rgba(31,111,74,.2);background:#a1e59f}.button:focus-visible,.text-link:focus-visible,a:focus-visible,summary:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,button:focus-visible{outline:3px solid #2b78c5;outline-offset:3px}.button-small{min-height:42px;padding-inline:19px}.button-light{background:var(--white);border-color:var(--white);color:var(--navy)}.text-link{display:inline-flex;align-items:center;gap:8px;font-weight:700;border-bottom:1px solid currentColor}.hero{overflow:hidden;background:var(--paper);padding:88px 0 72px}.hero-grid{display:grid;grid-template-columns:1.08fr .92fr;align-items:center;gap:74px}.eyebrow{display:flex;align-items:center;gap:10px;margin:0 0 18px;color:var(--green-dark);font-size:12px;font-weight:700;letter-spacing:.16em;text-transform:uppercase}.eyebrow span{display:inline-block;width:30px;height:2px;background:currentColor}.eyebrow.light{color:var(--green)}h1,h2{font-family:Newsreader,Georgia,serif;letter-spacing:-.035em;line-height:.98}h1{max-width:720px;margin:0;font-size:clamp(52px,6.2vw,88px);font-weight:600}h2{margin:0;font-size:clamp(40px,4.2vw,62px);font-weight:600}h3{line-height:1.2}.hero-lede{max-width:660px;margin:28px 0 0;color:#3e4c5c;font-size:20px;line-height:1.6}.hero-actions{display:flex;align-items:center;gap:28px;margin-top:34px}.trust-list{display:flex;flex-wrap:wrap;gap:14px 22px;margin:32px 0 0;padding:24px 0 0;border-top:1px solid rgba(11,31,51,.14);list-style:none;color:#3f4e5d;font-size:13px;font-weight:600}.trust-list li{display:flex;align-items:center;gap:7px}.trust-list svg{width:17px;height:17px;fill:none;stroke:var(--green-dark);stroke-width:2.5}.portrait-frame{position:relative;max-width:470px;margin-left:auto;border-radius:240px 240px 28px 28px;padding:13px;background:var(--white);box-shadow:var(--shadow)}.portrait-frame:before{content:"";position:absolute;z-index:0;width:170px;height:170px;right:-45px;top:70px;border:1px solid rgba(31,111,74,.25);border-radius:50%}.portrait-frame img{position:relative;z-index:1;width:100%;aspect-ratio:4/5;object-fit:cover;object-position:center 18%;border-radius:220px 220px 20px 20px;background:#e7e4dd}.portrait-card{position:absolute;z-index:2;left:-34px;bottom:38px;display:flex;align-items:center;gap:11px;padding:14px 18px;border:1px solid rgba(11,31,51,.12);border-radius:14px;background:rgba(255,255,255,.95);box-shadow:0 16px 42px rgba(11,31,51,.16)}.portrait-card div{display:flex;flex-direction:column}.portrait-card strong{font-size:14px}.portrait-card small{color:var(--muted);font-size:11px}.status-dot{width:10px;height:10px;border-radius:50%;background:#31a46c;box-shadow:0 0 0 5px rgba(49,164,108,.13)}.proof-band{background:var(--navy);color:var(--white)}.proof-grid{display:grid;grid-template-columns:repeat(4,1fr);padding:26px 0}.proof-grid>div{display:flex;flex-direction:column;padding:7px 28px;border-right:1px solid rgba(255,255,255,.13)}.proof-grid>div:first-child{padding-left:0}.proof-grid>div:last-child{border:0}.proof-grid strong{font-family:Newsreader,serif;font-size:22px;font-weight:500}.proof-grid span{margin-top:2px;color:#adc0cf;font-size:12px}.section{padding:112px 0}.section-heading{display:grid;grid-template-columns:1.1fr .7fr;align-items:end;gap:80px;margin-bottom:52px}.section-heading>p{margin:0 0 5px;color:var(--muted);font-size:17px}.coverage-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}.coverage-card{position:relative;min-height:300px;padding:36px;border:1px solid var(--line);border-radius:var(--radius);background:var(--white);overflow:hidden;transition:transform .25s ease,border-color .25s ease,box-shadow .25s ease}.coverage-card:hover{transform:translateY(-5px);border-color:#9bb5a4;box-shadow:0 22px 48px rgba(11,31,51,.09)}.coverage-card:nth-child(2),.coverage-card:nth-child(3){background:var(--paper)}.card-number{display:block;color:#7d8b97;font-size:12px;letter-spacing:.12em}.coverage-card h3{margin:48px 0 13px;font-family:Newsreader,serif;font-size:34px}.coverage-card p{max-width:510px;margin:0;color:var(--muted)}.coverage-card a{position:absolute;left:36px;bottom:32px;font-weight:700}.process-section{background:var(--navy);color:var(--white)}.process-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:100px}.process-intro>p:not(.eyebrow){max-width:480px;color:#bfd0dc;font-size:17px}.process-intro .button{margin-top:22px}.steps{margin:0;padding:0;list-style:none;border-top:1px solid rgba(255,255,255,.18)}.steps li{display:grid;grid-template-columns:70px 1fr;gap:24px;padding:31px 0;border-bottom:1px solid rgba(255,255,255,.18)}.steps>li>span{color:var(--green);font-size:12px;letter-spacing:.14em}.steps h3{margin:0 0 7px;font-family:Newsreader,serif;font-size:30px}.steps p{margin:0;color:#bfd0dc}.about-grid{display:grid;grid-template-columns:.82fr 1.18fr;align-items:center;gap:90px}.about-image{position:relative}.about-image:after{content:"";position:absolute;inset:24px -18px -18px 24px;z-index:-1;border-radius:18px;background:var(--paper)}.about-image img{width:100%;max-height:680px;object-fit:cover;object-position:center 15%;border-radius:18px}.about-copy .lead{color:#304154;font-size:21px}.about-copy>p:not(.eyebrow):not(.lead):not(.signature){color:var(--muted)}blockquote{margin:34px 0 18px;padding:24px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line);font-family:Newsreader,serif;font-size:25px;line-height:1.35}.signature{margin:0;color:var(--green-dark);font-family:Newsreader,serif;font-size:23px;font-style:italic}.credentials-section{padding-top:24px}.credential-card{display:grid;grid-template-columns:1.1fr .9fr;gap:80px;padding:60px;border-radius:28px;background:var(--paper)}.credential-card>div>p:not(.eyebrow){max-width:580px;color:var(--muted)}dl{margin:0;background:var(--white);border-radius:16px;padding:10px 26px}dl div{display:flex;justify-content:space-between;gap:18px;padding:16px 0;border-bottom:1px solid var(--line)}dl div:last-child{border:0}dt{color:var(--muted);font-size:13px}dd{margin:0;font-weight:700;text-align:right}.faq-section{background:#fafafa}.faq-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:100px}.faq-list{border-top:1px solid var(--line)}details{border-bottom:1px solid var(--line)}summary{position:relative;padding:23px 45px 23px 0;cursor:pointer;font-weight:700;list-style:none}summary::-webkit-details-marker{display:none}summary:after{content:"+";position:absolute;right:5px;top:17px;color:var(--green-dark);font-size:28px;font-weight:400}details[open] summary:after{content:"–"}details p{margin:0;padding:0 50px 24px 0;color:var(--muted)}.contact-section{padding:100px 0;background:var(--navy-2);color:var(--white)}.contact-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:90px;align-items:start}.contact-copy>p:not(.eyebrow){color:#bed0dc;font-size:17px}.direct-contact{display:flex;flex-direction:column;margin-top:40px}.direct-contact span{color:#9bb2c1;font-size:12px;text-transform:uppercase;letter-spacing:.14em}.direct-contact a{margin-top:5px;font-family:Newsreader,serif;font-size:30px}.lead-form{padding:34px;border-radius:20px;background:var(--white);color:var(--ink);box-shadow:0 30px 80px rgba(0,0,0,.18)}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}label{display:block;margin-bottom:17px;font-size:13px;font-weight:700}label>span{color:var(--muted);font-weight:400}input,select,textarea{display:block;width:100%;margin-top:7px;padding:13px 14px;border:1px solid #cbd3d8;border-radius:9px;background:#fff;color:var(--ink);transition:border-color .2s ease,box-shadow .2s ease}input,select{min-height:50px}textarea{resize:vertical}input:focus,select:focus,textarea:focus{border-color:#2b78c5;box-shadow:0 0 0 3px rgba(43,120,197,.13);outline:0}.consent{display:grid;grid-template-columns:19px 1fr;gap:10px;align-items:start;color:#556271;font-size:11px;line-height:1.45;font-weight:400}.consent input{width:18px;height:18px;min-height:0;margin:2px 0 0}.form-submit{width:100%;border:0}.form-note{margin:13px 0 0;color:var(--muted);font-size:11px;text-align:center}.form-note a{text-decoration:underline}.form-status{display:none;margin-top:14px;padding:12px 14px;border-radius:8px;font-size:13px}.form-status.success{display:block;background:#e7f7eb;color:#165a36}.form-status.error{display:block;background:#fff0ef;color:#9e2d25}.spinner{display:none;width:17px;height:17px;margin-left:10px;border:2px solid rgba(9,33,23,.25);border-top-color:#092117;border-radius:50%;animation:spin .7s linear infinite}.is-loading .spinner{display:inline-block}.honeypot{position:absolute!important;left:-10000px!important;width:1px!important;height:1px!important;overflow:hidden!important}.site-footer{padding:70px 0 24px;background:#071522;color:var(--white)}.footer-grid{display:grid;grid-template-columns:1.4fr repeat(3,.7fr);gap:50px}.brand-footer .brand-mark{background:var(--green);color:var(--navy)}.footer-grid>div{display:flex;flex-direction:column;align-items:flex-start;gap:8px}.footer-grid>div:first-child p{max-width:280px;color:#93a9b8}.footer-grid h2{margin:4px 0 12px;font-family:"IBM Plex Sans";font-size:12px;letter-spacing:.14em;text-transform:uppercase}.footer-grid a,.footer-grid span{color:#b9c8d3;font-size:13px}.footer-grid a:hover{color:var(--white)}.footer-bottom{display:flex;justify-content:space-between;gap:40px;margin-top:50px;padding-top:22px;border-top:1px solid rgba(255,255,255,.1);color:#8195a4;font-size:11px}.footer-bottom p:last-child{max-width:640px;text-align:right}.reveal{opacity:0;transform:translateY(18px);transition:opacity .65s ease,transform .65s ease}.reveal-delay{transition-delay:.12s}.reveal.is-visible{opacity:1;transform:none}@keyframes spin{to{transform:rotate(360deg)}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.reveal{opacity:1;transform:none;transition:none}.button,.coverage-card{transition:none}.spinner{animation:none}}@media(max-width:900px){.menu-toggle{display:block}.site-nav{position:absolute;top:78px;left:0;right:0;display:none;flex-direction:column;align-items:stretch;gap:0;padding:18px 20px 24px;background:var(--white);border-bottom:1px solid var(--line);box-shadow:0 18px 30px rgba(11,31,51,.08)}.site-nav.is-open{display:flex}.site-nav a{padding:12px}.site-nav .button{margin-top:8px}.hero{padding-top:55px}.hero-grid,.about-grid,.process-grid,.contact-grid,.credential-card,.faq-grid{grid-template-columns:1fr;gap:48px}.hero-copy{order:1}.hero-portrait{order:0}.portrait-frame{max-width:360px;margin:auto}.section-heading{grid-template-columns:1fr;gap:22px}.proof-grid{grid-template-columns:1fr 1fr}.proof-grid>div:nth-child(2){border-right:0}.proof-grid>div:nth-child(n+3){border-top:1px solid rgba(255,255,255,.13)}.process-grid{gap:55px}.about-image{max-width:500px}.credential-card{padding:42px}.faq-grid{gap:42px}.footer-grid{grid-template-columns:1.2fr 1fr}.footer-bottom{flex-direction:column}.footer-bottom p:last-child{text-align:left}}@media(max-width:620px){:root{--shell:min(100% - 28px,1160px)}.nav-wrap{min-height:68px}.site-nav{top:68px}.hero{padding:38px 0 48px}h1{font-size:48px}.hero-lede{font-size:17px}.hero-actions{align-items:flex-start;flex-direction:column;gap:18px}.portrait-frame{max-width:290px}.portrait-card{left:-6px;bottom:20px;padding:11px 13px}.trust-list{display:grid;grid-template-columns:1fr}.proof-grid{grid-template-columns:1fr}.proof-grid>div{padding:17px 0;border-right:0;border-bottom:1px solid rgba(255,255,255,.13)}.proof-grid>div:nth-child(n+3){border-top:0}.proof-grid>div:last-child{border-bottom:0}.section{padding:78px 0}.coverage-grid{grid-template-columns:1fr}.coverage-card{min-height:285px;padding:28px}.coverage-card a{left:28px}.process-grid{gap:45px}.steps li{grid-template-columns:46px 1fr}.credential-card{padding:28px 22px}.credential-card dl{padding:8px 18px}.form-row{grid-template-columns:1fr;gap:0}.lead-form{padding:24px 18px}.contact-section{padding:76px 0}.footer-grid{grid-template-columns:1fr 1fr}.footer-grid>div:first-child{grid-column:1/-1}.footer-bottom{margin-top:36px}}

/* Carrier, business-card, and expanded licensing additions */
.site-nav{gap:23px}
.carriers-section{background:#fafafa;border-bottom:1px solid var(--line)}
.carriers-heading{margin-bottom:38px}
.carrier-logo-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:1px;overflow:hidden;border:1px solid var(--line);border-radius:18px;background:var(--line);box-shadow:0 16px 42px rgba(11,31,51,.07)}
.carrier-logo,.carrier-more{display:flex;align-items:center;justify-content:center;min-height:96px;padding:19px 22px;background:var(--white)}
.carrier-logo img{display:block;width:auto;max-width:150px;height:auto;max-height:42px;object-fit:contain}
.carrier-more{color:var(--green-dark);font-family:Newsreader,Georgia,serif;font-size:21px;font-weight:600;text-align:center}
.carrier-disclaimer{max-width:850px;margin:22px auto 0;color:var(--muted);font-size:12px;text-align:center}
.about-image.business-card{align-self:center}
.about-image.business-card:after{inset:18px -18px -18px 18px}
.about-image.business-card img{width:100%;height:auto;max-height:none;aspect-ratio:auto;object-fit:contain;object-position:center;border-radius:14px;background:var(--white);box-shadow:0 20px 50px rgba(11,31,51,.14)}
.credential-intro>p:not(.eyebrow){max-width:580px;color:var(--muted)}
.credential-button{margin-top:18px}
.credential-details dl{height:100%}
.licensed-states{grid-column:1/-1;margin-top:5px;padding-top:40px;border-top:1px solid #cfd7d3}
.licensed-states-heading{display:grid;grid-template-columns:1fr 1fr;align-items:end;gap:50px;margin-bottom:24px}
.licensed-states-heading h3{margin:0;font-family:Newsreader,Georgia,serif;font-size:36px}
.licensed-states-heading>p{margin:0;color:var(--muted)}
.license-states-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;margin:0;padding:0;list-style:none}
.license-states-grid li{display:flex;align-items:center;gap:12px;min-height:66px;padding:12px 15px;border:1px solid #d5ddd8;border-radius:11px;background:rgba(255,255,255,.72)}
.license-states-grid strong{display:grid;place-items:center;flex:0 0 36px;height:36px;border-radius:50%;background:var(--navy);color:var(--green);font-size:12px;letter-spacing:.04em}
.license-states-grid span{font-size:13px;font-weight:600}
@media(max-width:900px){.site-nav{gap:0}.carrier-logo-grid{grid-template-columns:repeat(3,1fr)}.carrier-more{grid-column:1/-1;min-height:72px}.about-image.business-card{max-width:none}.licensed-states-heading{grid-template-columns:1fr;gap:12px}.license-states-grid{grid-template-columns:repeat(3,1fr)}}
@media(max-width:620px){.carrier-logo-grid{grid-template-columns:repeat(2,1fr);border-radius:14px}.carrier-logo,.carrier-more{min-height:82px;padding:15px 17px}.carrier-logo img{max-width:125px;max-height:36px}.carrier-more{grid-column:auto;font-size:18px}.about-image.business-card:after{inset:10px -8px -10px 8px}.license-states-grid{grid-template-columns:repeat(2,1fr);gap:8px}.license-states-grid li{min-height:58px;padding:9px}.license-states-grid strong{flex-basis:32px;height:32px}.license-states-grid span{font-size:12px}}