:root{--ink:#082f3d;--deep:#0a3b48;--green:#0e9b76;--mint:#dff5ec;--pale:#f2f8f5;--line:#d7e4df;--text:#324e56;--white:#fff;--gold:#e9b45f;--shadow:0 24px 70px rgba(5,47,61,.16)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--text);font-family:"DM Sans",sans-serif;font-size:16px;line-height:1.65;background:#fff}a{color:inherit;text-decoration:none}button,input{font:inherit}.site-header{height:86px;max-width:1240px;margin:auto;display:flex;align-items:center;gap:38px;padding:0 24px;position:relative;z-index:5}.brand{display:flex;align-items:center;gap:11px;margin-right:auto;color:var(--ink);line-height:1.1}.brand-mark{display:grid;place-items:center;width:40px;height:46px;background:var(--deep);color:#fff;border-radius:14px 14px 18px 18px;font-family:Manrope;font-weight:800;font-size:22px;clip-path:polygon(50% 0,100% 16%,92% 73%,50% 100%,8% 73%,0 16%)}.brand strong{display:block;font:800 18px/1.1 Manrope}.brand small{display:block;margin-top:5px;font-size:11px;letter-spacing:.08em;text-transform:uppercase;color:#688087}.site-header nav{display:flex;gap:26px;font-size:14px;font-weight:600;color:#31515a}.site-header nav a:hover{color:var(--green)}.header-cta{background:var(--green);color:#fff;font-weight:700;padding:12px 19px;border-radius:8px}.menu-button{display:none;border:0;background:transparent;font-size:24px;color:var(--ink)}
.hero{background:linear-gradient(120deg,#edf8f3 0%,#f8fbfa 52%,#d8efe8 100%);min-height:680px;display:grid;grid-template-columns:minmax(0,1.08fr) minmax(400px,.92fr);gap:72px;align-items:center;padding:75px max(24px,calc((100vw - 1180px)/2));position:relative;overflow:hidden}.hero:before{content:"";position:absolute;width:480px;height:480px;border:1px solid rgba(14,155,118,.13);border-radius:50%;right:-160px;top:-220px;box-shadow:0 0 0 70px rgba(14,155,118,.03),0 0 0 140px rgba(14,155,118,.025)}.hero-copy,.quote-card{position:relative;z-index:1}.eyebrow{display:flex;align-items:center;gap:10px;color:var(--green);font-size:12px;font-weight:800;letter-spacing:.12em;text-transform:uppercase}.eyebrow span{width:22px;height:2px;background:currentColor}.hero h1,.section h2,.why h2,.license-band h2,.final-cta h2{font-family:Manrope,sans-serif;color:var(--ink);line-height:1.08;letter-spacing:-.04em}.hero h1{font-size:clamp(46px,5.2vw,75px);margin:20px 0 22px}.hero h1 em{font-style:normal;color:var(--green)}.hero-lede{max-width:630px;font-size:19px;line-height:1.65;color:#3e5c64}.trust-row{display:flex;flex-wrap:wrap;gap:12px 22px;margin:27px 0;font-weight:600;color:var(--ink);font-size:14px}.trust-row span::first-letter{color:var(--green)}.hero-actions,.final-cta>div{display:flex;gap:12px;flex-wrap:wrap}.button{display:inline-flex;justify-content:center;align-items:center;gap:14px;min-height:52px;padding:13px 22px;border-radius:9px;font-weight:700;border:1px solid transparent;cursor:pointer}.button.primary{background:var(--green);color:white;box-shadow:0 10px 24px rgba(14,155,118,.2)}.button.primary:hover{background:#087b5e}.button.secondary{border-color:#a9c1ba;background:#fff;color:var(--ink)}.licensed-note{font-size:13px;margin-top:22px;color:#5b7379}.licensed-note strong{color:var(--ink)}
.quote-card{background:#fff;border-radius:18px;padding:32px;box-shadow:var(--shadow);border:1px solid rgba(255,255,255,.8)}.quote-head{display:flex;justify-content:space-between;align-items:center}.step-label,.mini-label{font-size:11px;font-weight:800;letter-spacing:.13em;color:var(--green)}.shield{display:grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--mint);color:var(--green);font-weight:800}.quote-card h2{font:800 28px/1.2 Manrope;color:var(--ink);margin:15px 0 8px}.quote-card>p{margin:0 0 22px;color:#60777d;font-size:14px}.quote-card fieldset{border:0;padding:0;margin:0}.quote-card legend{font-weight:700;color:var(--ink);margin-bottom:12px}.choice-grid{display:grid;grid-template-columns:1fr 1fr;gap:9px}.choice-grid input{position:absolute;opacity:0}.choice-grid span{display:flex;align-items:center;min-height:48px;padding:10px 12px;border:1px solid var(--line);border-radius:8px;font-size:14px;font-weight:600;color:#405c63;cursor:pointer;transition:.18s}.choice-grid input:checked+span{border-color:var(--green);background:var(--mint);color:var(--deep);box-shadow:inset 0 0 0 1px var(--green)}.contact-fields{display:grid;gap:11px;margin-top:16px}.contact-fields label{font-size:12px;font-weight:700;color:var(--ink)}.contact-fields input{display:block;width:100%;margin-top:5px;border:1px solid var(--line);border-radius:8px;padding:12px}.full{width:100%;border:0;margin-top:16px}.form-note{text-align:center!important;font-size:11px!important;margin:10px 0 0!important;color:#789097!important}.carrier-strip{min-height:78px;padding:18px 24px;display:flex;align-items:center;justify-content:center;gap:32px;background:var(--deep);color:#d7ebe5;text-transform:uppercase;font-size:11px;font-weight:700;letter-spacing:.11em}.carrier-strip i{width:4px;height:4px;background:var(--gold);border-radius:50%}
.section{max-width:1180px;margin:auto;padding:108px 24px}.section-intro{max-width:720px;margin-bottom:48px}.section h2{font-size:clamp(36px,4vw,54px);margin:16px 0}.section-intro>p{font-size:18px;max-width:680px}.service-grid{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid var(--line);border-left:1px solid var(--line)}.service-grid article{padding:34px;border-right:1px solid var(--line);border-bottom:1px solid var(--line);min-height:280px;transition:.2s}.service-grid article:hover{background:var(--pale);transform:translateY(-3px)}.icon{width:48px;height:48px;border-radius:50%;display:grid;place-items:center;background:var(--mint);color:var(--green);font-size:24px}.service-grid h3{font:800 21px Manrope;color:var(--ink);margin:20px 0 10px}.service-grid p{font-size:15px}.service-grid a,.text-link{color:var(--green);font-weight:700;font-size:14px}.disclaimer{font-size:12px;color:#74888e;margin-top:22px}
.why{display:grid;grid-template-columns:1fr 1fr;background:var(--deep);color:#d6e7e3}.why-quote{padding:100px max(40px,calc((100vw - 1180px)/2));padding-right:7vw;background:linear-gradient(155deg,#0d5460,#0a3946);display:flex;flex-direction:column;justify-content:center}.why-quote blockquote{margin:22px 0;font:700 clamp(34px,4vw,54px)/1.2 Manrope;color:white;letter-spacing:-.035em}.why-quote p{font-size:18px}.why-quote .text-link{color:#79dfbd}.why-steps{padding:90px max(40px,calc((100vw - 1180px)/2));padding-left:7vw}.eyebrow.light{color:#6bd9b5}.why h2,.license-band h2{color:white;font-size:44px;margin:16px 0 32px}.why-steps article{display:grid;grid-template-columns:55px 1fr;gap:16px;padding:23px 0;border-top:1px solid rgba(255,255,255,.14)}.why-steps article b{color:#6bd9b5;font:700 13px Manrope}.why-steps h3{color:#fff;font:700 19px Manrope;margin:0 0 6px}.why-steps p{margin:0;font-size:14px;color:#aec4c5}
.about{display:grid;grid-template-columns:.85fr 1.15fr;gap:82px;align-items:center}.portrait-card{aspect-ratio:4/5;border-radius:18px;overflow:hidden;position:relative;background:radial-gradient(circle at 40% 30%,#75cdb1,transparent 28%),linear-gradient(145deg,#0c4756,#0b2f3a);display:grid;place-items:center;box-shadow:var(--shadow)}.portrait-card:before,.portrait-card:after{content:"";position:absolute;border:1px solid rgba(255,255,255,.13);border-radius:50%;width:350px;height:350px}.portrait-card:after{width:240px;height:240px}.monogram{font:800 100px Manrope;color:rgba(255,255,255,.92);letter-spacing:-.08em}.portrait-caption{position:absolute;inset:auto 24px 24px;background:rgba(255,255,255,.94);padding:18px;border-radius:10px}.portrait-caption span{display:block;font-size:10px;letter-spacing:.13em;font-weight:800;color:var(--green)}.portrait-caption strong{display:block;color:var(--ink);font:700 17px Manrope;margin-top:4px}.about-copy h2{margin-bottom:6px}.about-copy h3{color:var(--green);font:700 18px Manrope;margin-top:0}.about-copy>p{font-size:17px}.contact-grid{display:grid;grid-template-columns:1fr 1.25fr;gap:12px;margin-top:28px}.contact-grid a{border:1px solid var(--line);border-radius:10px;padding:16px;min-width:0}.contact-grid a:hover{border-color:var(--green);background:var(--pale)}.contact-grid span{display:block;font-size:10px;letter-spacing:.12em;color:#7a9095;font-weight:800}.contact-grid strong{display:block;color:var(--ink);margin-top:4px;overflow-wrap:anywhere;font-size:14px}
.license-band{background:var(--green);color:white;padding:65px max(24px,calc((100vw - 1180px)/2));display:grid;grid-template-columns:220px 1fr auto;gap:50px;align-items:center}.license-band>div:first-child{display:flex;align-items:center;gap:15px}.number{font:800 92px/1 Manrope;letter-spacing:-.08em}.license-band>div:first-child span:last-child{max-width:70px;text-transform:uppercase;font-size:12px;font-weight:800;letter-spacing:.1em}.license-band h2{margin:8px 0;font-size:36px}.license-band p{margin:0;max-width:620px}.button.pale{background:#fff;color:var(--deep)}.final-cta{text-align:center}.final-cta h2{max-width:820px;margin:14px auto;font-size:clamp(40px,5vw,62px)}.final-cta p{font-size:18px}.final-cta>div{justify-content:center;margin-top:28px}.legal{padding-top:20px;display:grid;grid-template-columns:1fr 1fr;gap:50px;border-top:1px solid var(--line)}.legal h3{font:700 18px Manrope;color:var(--ink)}.legal p{font-size:13px;color:#6a8187}
footer{background:#062b36;color:#adc3c5;padding:65px max(24px,calc((100vw - 1180px)/2)) 35px}.footer-brand{color:#fff;margin-bottom:18px}.footer-brand .brand-mark{background:#0f9b76}.footer-links{display:flex;gap:25px;flex-wrap:wrap;margin:26px 0;color:#d7e4e5;font-size:14px}.footer-links a:hover{color:#72d8b7}.footer-bottom{border-top:1px solid rgba(255,255,255,.1);padding-top:22px;display:flex;justify-content:space-between;gap:30px;font-size:11px}.footer-bottom span:last-child{max-width:600px;text-align:right}
@media(max-width:900px){.site-header nav,.header-cta{display:none}.menu-button{display:block}.site-header.open nav{display:flex;position:absolute;top:76px;left:15px;right:15px;background:#fff;box-shadow:var(--shadow);padding:20px;flex-direction:column;border-radius:12px}.hero{grid-template-columns:1fr;padding-top:55px}.quote-card{max-width:650px}.service-grid{grid-template-columns:1fr 1fr}.why{grid-template-columns:1fr}.why-quote,.why-steps{padding:75px 7vw}.about{grid-template-columns:1fr}.portrait-card{max-width:500px;width:100%;margin:auto}.license-band{grid-template-columns:160px 1fr}.license-band>a{grid-column:2}.contact-grid{grid-template-columns:1fr}.carrier-strip{gap:15px;overflow:hidden;justify-content:flex-start;white-space:nowrap}}
@media(max-width:580px){.site-header{height:74px}.hero{padding:45px 18px 65px;gap:45px}.hero h1{font-size:43px}.hero-lede{font-size:17px}.quote-card{padding:23px}.choice-grid{grid-template-columns:1fr}.section{padding:80px 18px}.service-grid{grid-template-columns:1fr}.service-grid article{min-height:0;padding:28px}.why-quote,.why-steps{padding:70px 22px}.why h2{font-size:35px}.about{gap:45px}.license-band{grid-template-columns:1fr;gap:22px;padding:55px 24px}.license-band>a{grid-column:auto}.number{font-size:74px}.legal{grid-template-columns:1fr;gap:18px}.footer-bottom{flex-direction:column}.footer-bottom span:last-child{text-align:left}.carrier-strip i{display:none}.footer-links{gap:15px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}

/* Secured For Life — dark brand system */
:root{--ink:#f1fbf7;--deep:#08151b;--green:#18d39c;--mint:#102c29;--pale:#0d1b21;--line:#24383f;--text:#a9bec3;--white:#f8fffc;--gold:#e3b45f;--panel:#101f26;--shadow:0 28px 80px rgba(0,0,0,.42)}
html{color-scheme:dark}
body{background:#081116;color:var(--text)}
.site-header{background:#081116;border-bottom:1px solid #15282f}
.brand{color:var(--ink)}
.brand-mark{width:44px;height:50px;background:none;border-radius:0;clip-path:none}
.brand-mark svg{width:42px;height:48px;overflow:visible}
.lock-shackle{fill:none;stroke:#dffdf3;stroke-width:5;stroke-linecap:round}
.lock-body{fill:var(--green)}
.lock-key{fill:none;stroke:#071216;stroke-width:4;stroke-linecap:round}
.brand small{color:#78939a}
.site-header nav{color:#a4b8bd}
.header-cta{background:var(--green);color:#04100d;font-weight:800}
.menu-button{color:var(--ink)}
.hero{background:radial-gradient(circle at 82% 12%,rgba(24,211,156,.13),transparent 32%),linear-gradient(125deg,#071116 0%,#0c1c23 55%,#0d2528 100%);border-bottom:1px solid #172c33}
.hero:before{border-color:rgba(24,211,156,.14);box-shadow:0 0 0 70px rgba(24,211,156,.025),0 0 0 140px rgba(24,211,156,.018)}
.hero-lede{color:#a9bec3}
.trust-row{color:var(--ink)}
.button.primary{background:var(--green);color:#04100d;box-shadow:0 10px 28px rgba(24,211,156,.18)}
.button.primary:hover{background:#50e4ba}
.button.secondary{border-color:#395058;background:#101f26;color:var(--ink)}
.button.secondary:hover{border-color:var(--green)}
.licensed-note{color:#7f979d}
.licensed-note strong{color:var(--ink)}
.quote-card{background:linear-gradient(145deg,#13262d,#0e1d23);border-color:#2a4148}
.quote-card>p{color:#9ab0b5}
.shield{background:#163630;color:var(--green)}
.choice-grid span{background:#0b181e;border-color:var(--line);color:#b9cccf}
.choice-grid input:checked+span{background:var(--mint);color:var(--ink)}
.contact-fields input{background:#0a171c;color:var(--ink)}
.form-note{color:#779096!important}
.carrier-strip{background:#050c10;color:#c0d4d4;border-block:1px solid #16262c}
.coverage{background:#081116}
.service-grid article{background:#0b171c}
.service-grid article:hover{background:#102329}
.icon{background:#112f2a}
.disclaimer{color:#72898f}
.why{background:#071319}
.why-quote{background:radial-gradient(circle at 30% 25%,rgba(24,211,156,.12),transparent 33%),linear-gradient(155deg,#0a2429,#08161c)}
.why-steps{background:#0b1b21}
.about{background:#081116}
.portrait-card{background:radial-gradient(circle at 40% 30%,#16765f,transparent 28%),linear-gradient(145deg,#0a333c,#07191f)}
.portrait-card img{display:block;width:100%;height:100%;object-fit:cover;object-position:center top}
.portrait-card:before,.portrait-card:after{display:none}
.portrait-caption{background:rgba(10,23,28,.94);border:1px solid #294047}
.contact-grid a{background:#0b181e}
.contact-grid a:hover{background:#10252a}
.license-band{background:linear-gradient(105deg,#087c62,#0ba67c);color:#fff}
.button.pale{background:#071519;color:#effff9}
.final-cta{background:#081116}
.legal{border-color:var(--line)}
.legal p{color:#7f969b}
footer{background:#040b0f;color:#8ea6aa}
.footer-brand .brand-mark{background:none}
.footer-links{color:#c9d8da}
@media(max-width:900px){.site-header.open nav{background:#101f26;border:1px solid #294047}}

.carrier-section{padding:105px max(24px,calc((100vw - 1180px)/2));background:#0a151a;border-bottom:1px solid #1b2d34}
.carrier-intro{max-width:720px;margin-bottom:42px}
.carrier-intro h2{font:800 clamp(36px,4vw,54px)/1.08 Manrope;color:var(--ink);letter-spacing:-.04em;margin:16px 0}
.carrier-intro p{font-size:18px;max-width:670px;margin:0}
.carrier-grid{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:12px}
.carrier-logo{margin:0;width:100%;height:120px;padding:20px 14px;border:1px solid #253940;border-radius:12px;background:#f8fbfa;display:flex;align-items:center;justify-content:center;position:relative;overflow:hidden}
.carrier-logo img{display:block;width:100%;height:58px;max-width:170px;max-height:none;object-fit:contain}
.carrier-logo--mutual img{width:170px;height:auto;max-width:none}
.carrier-logo--transamerica img{width:180px;height:auto;max-width:none}
.carrier-logo figcaption{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.text-logo div{color:#183239;font:800 20px/1.05 Manrope;text-align:center;letter-spacing:-.035em}
.text-logo small{font:700 9px/1.1 Manrope;letter-spacing:.16em}
.text-logo.cigna div{color:#0b6e77;font-size:26px}
.text-logo.mutual div{color:#00548b;font-size:16px;letter-spacing:-.02em}
.text-logo.americo div{color:#183e72;font-size:25px}
.text-logo.aflac div{color:#1194d3;font-size:29px;text-transform:lowercase}
.text-logo.corebridge div{color:#54319a}
.text-logo.manhattan div{color:#8b2346;font-size:20px}
.text-logo.phcs div{color:#26538b;font-size:25px}.text-logo.phcs small{color:#db6c24}
.text-logo.lincoln div{color:#142f4c;font-size:17px}
.text-logo.transamerica div{color:#1c6589;font-size:15px;letter-spacing:.08em}
.carrier-note{font-size:12px;color:#758b91;margin:24px 0 0;max-width:900px}
.client-page{background:#081116;padding-bottom:90px}.client-hero{padding:90px max(24px,calc((100vw - 1180px)/2));display:grid;grid-template-columns:1fr 360px;gap:70px;align-items:center;background:radial-gradient(circle at 85% 5%,rgba(24,211,156,.14),transparent 32%),linear-gradient(125deg,#071116,#0c2027);border-block:1px solid #193039}.client-hero h1{font:800 clamp(44px,5vw,68px)/1.06 Manrope;color:var(--ink);letter-spacing:-.045em;margin:18px 0}.client-hero>div>p{font-size:18px;max-width:720px}.client-hero aside{background:#102229;border:1px solid #294047;border-radius:16px;padding:28px}.client-hero aside strong{font:700 20px Manrope;color:var(--ink)}.client-hero aside p{margin:8px 0 18px}.resource-section{max-width:1180px;margin:0 auto;padding:78px 24px 0}.resource-heading{display:flex;align-items:center;gap:24px;padding-bottom:26px;border-bottom:1px solid var(--line)}.resource-heading img{width:170px;height:64px;object-fit:contain;background:#f8fbfa;border-radius:10px;padding:10px}.resource-heading span{color:var(--green);font-size:11px;font-weight:800;letter-spacing:.12em;text-transform:uppercase}.resource-heading h2{font:800 34px/1.15 Manrope;color:var(--ink);margin:4px 0}.resource-heading p{margin:0}.resource-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:20px}.resource-grid article{background:#0d1b21;border:1px solid #24383f;border-radius:13px;padding:24px;min-height:220px;display:flex;flex-direction:column}.resource-grid article.wide{grid-column:span 2}.resource-grid article>b{display:grid;place-items:center;width:38px;height:38px;border-radius:50%;background:#13342f;color:var(--green)}.resource-grid h3{font:700 18px Manrope;color:var(--ink);margin:16px 0 7px}.resource-grid p{font-size:14px;margin:0 0 18px}.resource-grid a{color:var(--green);font-weight:700;font-size:14px;margin-top:auto}.resource-grid a+a{margin-top:8px}.resource-grid small{display:block;color:#758d93;margin-top:9px}.resource-links{display:flex;flex-wrap:wrap;gap:10px 18px;margin-top:auto}.resource-links a{margin-top:0}.client-tip{margin-top:18px;padding:20px 24px;border-left:3px solid var(--green);background:#0d1b21}.client-tip strong{color:var(--ink)}.client-disclaimer{max-width:1132px;margin:60px auto 0;padding:0 24px;color:#789096;font-size:12px}
@media(max-width:900px){.client-hero{grid-template-columns:1fr;gap:30px}.client-hero aside{max-width:620px}.resource-grid{grid-template-columns:1fr 1fr}}
@media(max-width:580px){.client-hero{padding:60px 18px}.client-hero h1{font-size:42px}.resource-section{padding:60px 18px 0}.resource-heading{align-items:flex-start;flex-direction:column}.resource-heading img{width:150px}.resource-grid{grid-template-columns:1fr}.resource-grid article.wide{grid-column:auto}}
@media(max-width:1000px){.carrier-grid{grid-template-columns:repeat(4,minmax(0,1fr))}}
@media(max-width:720px){.carrier-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.carrier-logo{height:105px}.carrier-section{padding-block:80px}}
@media(max-width:390px){.carrier-grid{grid-template-columns:1fr 1fr;gap:8px}.carrier-logo{padding:16px 10px}}

/* Dark-purple brand preview; carrier artwork retains each carrier's own colors. */
:root{--ink:#f5f0fc;--deep:#120d20;--green:#a77bdc;--mint:#28183d;--pale:#1a1426;--line:#3b2d4c;--text:#c4b8d3;--white:#faf7ff;--panel:#20182e}
body,.site-header,.coverage,.about,.final-cta,.client-page{background:#0d0a16}
.site-header{border-bottom-color:#2b213a}
.lock-shackle{stroke:#eee1ff}
.lock-key{stroke:#140c23}
.brand small,.licensed-note,.contact-grid span{color:#a998be}
.site-header nav{color:#c4b8d3}
.header-cta,.button.primary{background:#532a82;color:#fff;box-shadow:0 10px 28px rgba(83,42,130,.25)}
.header-cta:hover,.button.primary:hover{background:#633493}
.hero{background:radial-gradient(circle at 82% 12%,rgba(111,65,165,.13),transparent 34%),linear-gradient(125deg,#0d0a16 0%,#15101f 55%,#1c112d 100%);border-bottom-color:#342443}
.hero:before{border-color:rgba(181,140,233,.19);box-shadow:0 0 0 70px rgba(139,87,200,.035),0 0 0 140px rgba(139,87,200,.025)}
.hero-lede,.client-hero>div>p{color:#c4b8d3}
.button.secondary{background:#21182e;border-color:#564068}
.quote-card{background:linear-gradient(145deg,#21182f,#181221);border-color:#453354}
.quote-card>p,.form-note{color:#aa9abf!important}
.shield,.icon,.resource-grid article>b{background:#302044}
.choice-grid span,.contact-fields input{background:#191321;color:#e0d5eb}
.carrier-strip{background:#100b1b;color:#dfd2ed;border-block-color:#30223d}
.carrier-section{background:#120d1b;border-bottom-color:#30213f}
.service-grid article,.resource-grid article{background:#191321;border-color:#3b2d4c}
.service-grid article:hover,.contact-grid a:hover{background:#241932}
.why{background:#130d1d;color:#d8cae6}
.why-quote{background:radial-gradient(circle at 30% 25%,rgba(111,65,165,.14),transparent 33%),linear-gradient(155deg,#221335,#15101e)}
.why-quote .text-link,.eyebrow.light,.why-steps article b{color:#cba7ff}
.why-steps{background:#1b1329}
.why-steps p{color:#c0b0cf}
.portrait-card{background:linear-gradient(145deg,#28183d,#120d1d)}
.portrait-caption{background:rgba(24,16,36,.95);border-color:#554069}
.contact-grid a{background:#191321}
.license-band{background:linear-gradient(105deg,#351954,#532a82)}
.button.pale{background:#f1e7ff;color:#3c1f63}
.legal p,.carrier-note,.client-disclaimer{color:#ad9cba}
footer{background:#090711;color:#a998bc}
.footer-links{color:#dfd3ed}
.footer-links a:hover{color:#cba7ff}
.client-hero{background:radial-gradient(circle at 85% 5%,rgba(111,65,165,.13),transparent 32%),linear-gradient(125deg,#0d0a16,#1c112b);border-block-color:#352544}
.client-hero aside{background:#21182f;border-color:#4b365e}
.client-tip{background:#1c1629}
@media(max-width:900px){.site-header.open nav{background:#21182f;border-color:#4b365e}}
.powered-by{display:flex;justify-content:center;align-items:center;gap:16px;flex-wrap:wrap;margin-top:32px;padding-top:26px;border-top:1px solid rgba(255,255,255,.1)}
.powered-by>span{color:#c4b8d3;font:700 13px Manrope,sans-serif;letter-spacing:.04em}
.powered-by a{display:inline-flex;align-items:center;padding:10px 14px;border-radius:9px;background:#fff;transition:transform .2s,box-shadow .2s}
.powered-by a:hover,.powered-by a:focus-visible{transform:translateY(-2px);box-shadow:0 0 0 2px #a77bdc}
.powered-by img{display:block;width:180px;height:54px;max-width:100%;object-fit:contain}
.powered-by img.meda-logo{object-fit:cover;object-position:center}

/* Life insurance page */
.life-page{background:#0d0a16}
.life-hero{padding:95px max(24px,calc((100vw - 1180px)/2));display:grid;grid-template-columns:minmax(0,1.2fr) minmax(290px,.8fr);align-items:center;gap:70px;background:radial-gradient(circle at 80% 25%,rgba(120,75,178,.2),transparent 34%),linear-gradient(120deg,#0d0a16,#1c112d);border-bottom:1px solid var(--line)}
.life-hero h1{font:800 clamp(44px,5vw,70px)/1.08 Manrope,sans-serif;letter-spacing:-.045em;color:var(--ink);margin:20px 0}.life-hero h1 em{color:var(--green);font-style:normal}
.life-hero-inner>p:not(.licensed-note){font-size:19px;max-width:670px}.life-hero .hero-actions{margin-top:30px}
.life-hero-panel{background:linear-gradient(145deg,#2b1b40,#191225);border:1px solid #59436c;border-radius:22px;padding:38px;box-shadow:var(--shadow)}.life-shield{display:grid;place-items:center;width:64px;height:64px;border-radius:19px;background:#54337c;color:#fff;font-size:39px;margin-bottom:28px}.life-hero-panel strong{display:block;font:800 28px/1.2 Manrope;color:#fff}.life-hero-panel p{font-size:16px}.life-hero-panel a{color:#d4b4ff;font-weight:700}
.life-products{max-width:1180px}.life-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}.life-product{background:#191321;border:1px solid var(--line);border-radius:15px;overflow:hidden}.life-product[open]{border-color:#745297}.life-product summary{list-style:none;cursor:pointer;padding:28px;min-height:245px;display:flex;flex-direction:column;align-items:flex-start}.life-product summary::-webkit-details-marker{display:none}.life-icon{display:grid;place-items:center;width:46px;height:46px;border-radius:12px;background:#302044;color:#cda7ff;font-size:24px}.life-product h3{font:800 21px Manrope;color:var(--ink);margin:17px 0 7px}.life-product summary p{margin:0;font-size:15px}.life-product .more{color:#cda7ff;font-weight:700;font-size:13px;margin-top:auto;padding-top:12px}.life-product[open] .more{color:#e8d0ff}.life-detail{border-top:1px solid var(--line);padding:18px 28px 27px;font-size:14px}.life-detail p{margin-top:0}.life-detail ul{padding-left:20px;margin-bottom:0}.life-detail li{margin:7px 0}
.life-cta{background:linear-gradient(110deg,#341953,#532a82);padding:78px max(24px,calc((100vw - 1180px)/2));color:#eee3fb}.life-cta>div{max-width:870px}.life-cta h2{font:800 clamp(35px,4vw,52px)/1.1 Manrope;color:white;letter-spacing:-.035em;margin:15px 0}.life-cta p{font-size:18px}.life-cta .button.secondary{background:transparent;border-color:#bba0d4}
.license-band{align-items:start}.license-band>a{margin-top:45px;white-space:nowrap}.state-list{list-style:none;margin:20px 0 14px;padding:0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:7px 20px}.state-list li{font-size:13px;font-weight:600;line-height:1.35;padding:5px 0;border-bottom:1px solid rgba(255,255,255,.18)}.license-copy .state-note{font-size:12px;opacity:.85}
@media(max-width:900px){.license-band>a{margin-top:0}.state-list{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:580px){.state-list{grid-template-columns:repeat(2,minmax(0,1fr));gap:5px 12px}}

/* Centered licensed area inspired by the reference's state-pill layout. */
.license-band{display:block;padding:88px max(24px,calc((100vw - 1180px)/2));background:radial-gradient(circle at 50% 0,rgba(83,42,130,.18),transparent 48%),#130e1e;border-block:1px solid #342541;text-align:center}
.license-band .license-copy{max-width:1080px;margin:auto}.license-band .eyebrow{justify-content:center;color:#cda7ff}.license-band h2{font-size:clamp(36px,4vw,52px);margin:18px 0}.license-band .license-copy>p{max-width:760px;margin:0 auto;color:#c4b8d3;font-size:17px}
.license-band .state-list{display:flex;justify-content:center;flex-wrap:wrap;gap:10px;margin:34px auto 22px;max-width:1050px}.license-band .state-list li{border:1px solid #61487b;background:#291b3b;color:#f0e6fb;border-radius:999px;padding:9px 16px;font-size:14px;line-height:1.3;white-space:nowrap}
.license-band .state-list li.has-license{padding:0}.state-list button{display:block;border:0;border-radius:inherit;background:transparent;color:inherit;font:inherit;padding:9px 16px;cursor:pointer}.state-list button:hover,.state-list button:focus-visible{background:#2b7198;outline:2px solid #8bdcff;outline-offset:2px}.license-dialog{border:1px solid #497b99;border-radius:16px;background:#102e43;color:#f3faff;padding:18px;width:min(95vw,850px);max-height:90vh;box-shadow:0 22px 80px #000a}.license-dialog::backdrop{background:#061522db}.license-dialog h2{font:700 18px Manrope,sans-serif;margin:2px 50px 16px 4px}.license-dialog img{display:block;width:100%;height:auto;border-radius:5px;background:white}.license-close{position:absolute;right:16px;top:12px;border:0;border-radius:7px;background:#225572;color:white;width:40px;height:40px;cursor:pointer;font-size:27px;line-height:1}.license-close:focus-visible{outline:2px solid #8bdcff;outline-offset:2px}
.license-band .license-copy .state-note{font-size:13px;color:#a998be;margin:0 auto 22px}.license-band .button{margin:0}
@media(max-width:580px){.license-band{padding:66px 18px}.license-band .state-list{gap:8px;margin-top:26px}.license-band .state-list li{padding:8px 12px;font-size:12px;white-space:normal}}
@media(max-width:900px){.life-hero{grid-template-columns:1fr;gap:32px;padding-block:65px}.life-hero-panel{max-width:650px}}
@media(max-width:650px){.life-hero{padding:55px 18px}.life-hero h1{font-size:43px}.life-grid{grid-template-columns:1fr}.life-product summary{min-height:220px}.life-cta{padding:65px 18px}}

/* Business card palette: midnight navy, layered shields and clear sky blue. */
:root{--ink:#f8fcff;--deep:#0d283d;--green:#8bdcff;--mint:#143b54;--pale:#102b40;--line:#2b526a;--text:#c2d6e4;--white:#fff;--panel:#143249;--shadow:0 24px 70px rgba(0,10,22,.42)}
body,.site-header,.coverage,.about,.final-cta,.client-page,.life-page{background:#0b2335;color:var(--text)}
.site-header{border-bottom:1px solid #28516a;background:#0b2335}.site-header nav{color:#c8dcea}.site-header nav a:hover{color:#8bdcff}
.brand{color:white}.brand-mark{filter:drop-shadow(0 0 10px rgba(105,209,255,.18))}.lock-shackle{stroke:#b8edff}.lock-body{fill:#63c5ee}.lock-key{stroke:#0b263a}
.brand strong{letter-spacing:.015em}.eyebrow,.step-label,.mini-label,.resource-heading span{color:#8bdcff}
.header-cta,.button.primary{background:#2c8fbd;color:#fff;box-shadow:0 10px 28px rgba(29,124,170,.24)}
.header-cta:hover,.button.primary:hover{background:#3aa9d7}
.button.secondary{background:#143249;border-color:#48768f;color:#fff}.button.secondary:hover{border-color:#8bdcff}
.hero{background:radial-gradient(circle at 80% 18%,rgba(92,188,232,.17),transparent 32%),linear-gradient(112deg,#0c2639 0%,#102e43 60%,#183f59 100%);border-bottom-color:#2b526a}
.hero:before{width:330px;height:540px;right:-130px;top:10%;border:28px solid rgba(125,218,255,.08);border-radius:45% 45% 55% 55%;box-shadow:none;transform:rotate(-16deg)}
.hero h1 em,.life-hero h1 em{color:#8bdcff}.hero-lede,.client-hero>div>p{color:#d0e1ec}.trust-row,.licensed-note strong{color:#f5fbff}.licensed-note{color:#b0cada}
.quote-card{background:linear-gradient(145deg,#17364c,#102b40);border-color:#3b6680}.quote-card>p,.form-note{color:#b8d0de!important}
.shield,.icon,.resource-grid article>b,.life-icon{background:#1a4a65;color:#9ee4ff}
.choice-grid span,.contact-fields input{background:#0f293d;border-color:#355870;color:#e3f2fa}.choice-grid input:checked+span{background:#18435d;color:white}
.carrier-strip{background:#081c2c;color:#d9eaf5;border-block-color:#2b526a}.carrier-strip i{background:#7fd8ff}
.carrier-section{background:#10283b;border-bottom-color:#2c526a}.carrier-logo{border-color:#3b6680}.carrier-note,.disclaimer,.client-disclaimer{color:#a9c5d5}
.service-grid article,.resource-grid article,.life-product{background:#112d42;border-color:#2b526a}.service-grid article:hover,.contact-grid a:hover{background:#173a52}
.service-grid a,.text-link,.resource-grid a,.life-product .more{color:#8bdcff}
.why{background:#0a2132;color:#d3e6f0}.why-quote{background:radial-gradient(circle at 25% 30%,rgba(66,173,218,.18),transparent 40%),linear-gradient(150deg,#143b56,#0b283d)}.why-steps{background:#102d43}
.why-quote .text-link,.eyebrow.light,.why-steps article b{color:#a4e7ff}.why-steps p{color:#b7d0dd}
.portrait-card{background:linear-gradient(145deg,#1a5679,#0b283d)}.portrait-caption{background:rgba(10,34,52,.94);border-color:#3d6e89}.portrait-caption span,.about-copy h3{color:#8bdcff}
.contact-grid a{background:#112d42;border-color:#315a72}
.license-band{background:radial-gradient(circle at 50% 0,rgba(65,161,208,.16),transparent 48%),#0d293e;border-block-color:#315b74}
.license-band .eyebrow{color:#9de5ff}.license-band .license-copy>p{color:#c9dfe9}.license-band .state-list li{background:#19425c;border-color:#447592;color:#f2faff}.license-band .license-copy .state-note{color:#afcada}
.legal{border-color:#31566e}.legal p{color:#b1cbd9}
footer{background:#071b2a;color:#a9c6d6}.footer-links{color:#d7e8f2}.footer-links a:hover{color:#8bdcff}.powered-by>span{color:#c3dce9}.powered-by a:hover,.powered-by a:focus-visible{box-shadow:0 0 0 2px #8bdcff}
.client-hero{background:radial-gradient(circle at 85% 5%,rgba(85,184,227,.17),transparent 34%),linear-gradient(125deg,#0c2538,#173950);border-block-color:#305b75}.client-hero aside{background:#17374d;border-color:#3a6882}.client-tip{background:#14364d}.resource-heading img{background:white}
.life-hero{background:radial-gradient(circle at 78% 25%,rgba(91,194,239,.22),transparent 36%),linear-gradient(120deg,#0b2538,#163b55);border-bottom-color:#315b75}
.life-hero-panel{background:linear-gradient(145deg,#1a4764,#102f47);border-color:#4b7b96}.life-shield{background:#2d80aa}.life-hero-panel a{color:#9de5ff}
.life-product[open]{border-color:#6abddd}.life-product .more,.life-product[open] .more{color:#8bdcff}.life-detail{border-top-color:#315b75}
.life-cta,.license-band .button.pale{background:linear-gradient(110deg,#164c6b,#2d88b4)}.life-cta .button.pale{background:#ecf9ff;color:#103951}.life-cta .button.secondary{border-color:#9cd4e9}
@media(max-width:900px){.site-header.open nav{background:#12334a;border-color:#3b6680}}

/* Use the shield-and-S mark as it appears on the supplied business card. */
.brand-mark,.footer-brand .brand-mark{flex:none;display:block;width:52px;height:60px;background-image:url("brand-card.png");background-repeat:no-repeat;background-size:464.5px 265.4px;background-position:-27.7px -16px;border:0;clip-path:none;border-radius:0;filter:none}
.brand-mark svg{display:none}.brand strong{font-size:17px;letter-spacing:.095em;text-transform:uppercase}.site-header{height:92px}
.brand>span:last-child::after{content:"INSURANCE SOLUTIONS";display:block;color:#95d9f5;font:500 8px/1.4 "DM Sans",sans-serif;letter-spacing:.28em;margin-top:4px}
.hero::after{content:"";position:absolute;z-index:0;pointer-events:none;top:-13%;left:57%;height:135%;width:22px;transform:skew(-19deg);background:linear-gradient(180deg,#53b5e4,#2189be);opacity:.56;box-shadow:60px 0 0 rgba(22,75,111,.16)}
.hero-copy,.quote-card{z-index:1}.hero h1,.life-hero h1{font-weight:800}.hero-actions .button{border-radius:6px}
.hero .eyebrow,.life-hero .eyebrow{letter-spacing:.21em}.hero-lede{max-width:590px}
.portrait-card{border:1px solid #46748e}.portrait-card::before{display:block;content:"";position:absolute;width:92%;height:92%;border:28px solid rgba(138,215,250,.10);clip-path:polygon(50% 0,100% 17%,92% 72%,50% 100%,8% 72%,0 17%);border-radius:0;z-index:1;pointer-events:none}.portrait-caption{z-index:2}
.client-hero,.life-hero{position:relative;overflow:hidden}.client-hero::after,.life-hero::after{content:"";position:absolute;right:14%;top:-15%;width:18px;height:140%;background:rgba(65,163,211,.27);transform:skew(-18deg);pointer-events:none}
.client-hero>*,.life-hero>*{position:relative;z-index:1}
@media(max-width:900px){.site-header{height:82px}.hero::after{left:85%;opacity:.25}.client-hero::after,.life-hero::after{right:5%;opacity:.4}}
@media(max-width:580px){.site-header{height:74px}.brand-mark,.footer-brand .brand-mark{transform:scale(.78);transform-origin:left center;margin-right:-9px}.brand strong{font-size:14px;letter-spacing:.06em}.hero::after{display:none}}

/* Keep links in resource cards aligned on each wrapped row. */
.resource-links{align-items:baseline}
.resource-grid .resource-links a{margin-top:0}