:root {
  --navy:#092c4c;
  --navy-2:#123f68;
  --navy-3:#1c567d;
  --gold:#c79a3f;
  --gold-2:#e4c16f;
  --gold-soft:#f8f0df;
  --ink:#10243a;
  --muted:#5c6c7d;
  --paper:#f5f7fb;
  --paper-2:#eef2f7;
  --white:#fff;
  --line:#dde5ee;
  --line-strong:#c9d4df;
  --ok:#18794e;
  --danger:#b42318;
  --shadow:0 22px 56px rgba(8,47,87,.12);
  --shadow-soft:0 10px 24px rgba(8,47,87,.07);
  --radius:24px;
}
*{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);background:var(--paper);line-height:1.6;-webkit-font-smoothing:antialiased}
a{color:inherit}img{max-width:100%;display:block}button,input,select,textarea{font:inherit}
.container{width:min(1180px,calc(100% - 40px));margin:0 auto}
.eyebrow{display:inline-flex;align-items:center;gap:10px;font-size:.78rem;text-transform:uppercase;letter-spacing:.14em;font-weight:800;color:var(--gold)}
.eyebrow::before{content:"";width:30px;height:2px;background:currentColor}
.section{padding:84px 0}.section-tight{padding:60px 0}.section-soft{background:linear-gradient(180deg,rgba(255,255,255,.74),rgba(239,243,248,.62));border-block:1px solid rgba(221,229,238,.8)}
.section-head{max-width:820px;margin-bottom:36px}.section-head h2{margin:10px 0;font-size:clamp(2rem,4vw,3.1rem);line-height:1.06;letter-spacing:-.04em}.section-head p{margin:0;color:var(--muted);font-size:1.04rem}

.topbar{background:#071f36;color:#d8e4ef;font-size:.82rem}.topbar .container{min-height:42px;display:flex;align-items:center;justify-content:space-between;gap:16px}.topbar span{display:inline-flex;align-items:center;gap:8px}.topbar svg{width:16px;height:16px;color:var(--gold-2)}
.site-header{position:sticky;top:0;z-index:100;backdrop-filter:blur(18px);background:rgba(255,255,255,.93);border-bottom:1px solid rgba(223,230,237,.9)}
.nav{min-height:78px;display:flex;align-items:center;justify-content:space-between;gap:22px}.brand{display:flex;align-items:center;text-decoration:none;min-width:190px}.brand img{width:186px;height:62px;object-fit:contain;object-position:left center}
.nav-links{display:flex;align-items:center;gap:24px}.nav-links a{text-decoration:none;font-size:.95rem;font-weight:700;color:#34485c;position:relative;padding:8px 0}.nav-links a::after{content:"";position:absolute;left:0;right:0;bottom:0;height:2px;background:linear-gradient(90deg,var(--gold),transparent);opacity:0;transform:scaleX(.72);transform-origin:left;transition:.2s ease}.nav-links a:hover,.nav-links a.active{color:var(--navy)}.nav-links a:hover::after,.nav-links a.active::after{opacity:1;transform:scaleX(1)}
.nav-actions{display:flex;gap:10px;align-items:center}.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;border:0;border-radius:999px;padding:13px 20px;text-decoration:none;font-weight:800;cursor:pointer;transition:.18s ease;white-space:nowrap}.btn svg{width:18px;height:18px}.btn-primary{background:var(--navy);color:#fff;box-shadow:0 10px 22px rgba(8,47,87,.18)}.btn-primary:hover{background:var(--navy-2);transform:translateY(-1px)}.btn-gold{background:linear-gradient(135deg,var(--gold),var(--gold-2));color:#172a3e;box-shadow:0 12px 24px rgba(200,155,60,.24)}.btn-gold:hover{transform:translateY(-1px)}.btn-ghost{border:1px solid var(--line);background:#fff;color:var(--navy)}.btn-ghost:hover{border-color:var(--line-strong);background:#f9fbfd}.menu-toggle{display:none;width:44px;height:44px;border:1px solid var(--line);border-radius:12px;background:#fff;color:var(--navy)}.menu-toggle svg{width:19px;height:19px}

.hero{position:relative;overflow:hidden;background:linear-gradient(135deg,#061f3a 0%,#0b355c 54%,#124a72 100%);color:#fff}.hero::before{content:"";position:absolute;inset:-260px -180px auto auto;width:580px;height:580px;border-radius:50%;border:110px solid rgba(224,189,104,.09)}.hero::after{content:"";position:absolute;left:-140px;bottom:-220px;width:430px;height:430px;border-radius:50%;background:rgba(200,155,60,.08)}.hero .container{position:relative;z-index:1}.hero-grid{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(330px,.95fr);gap:56px;align-items:center;padding:82px 0 86px}.hero-copy h1{font-size:clamp(2.85rem,6vw,5.4rem);line-height:.96;letter-spacing:-.06em;margin:14px 0 18px;max-width:760px}.hero-copy h1 span{color:var(--gold-2)}.hero-copy p{max-width:680px;font-size:1.1rem;color:#d8e4ef;margin:0 0 14px}.hero-copy p strong{color:#fff}.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin:28px 0 24px}.hero .btn-ghost{background:rgba(255,255,255,.08);color:#fff;border-color:rgba(255,255,255,.18)}.hero-points{display:flex;flex-wrap:wrap;gap:10px}.hero-points span{display:inline-flex;align-items:center;gap:8px;padding:10px 14px;border-radius:999px;background:rgba(255,255,255,.08);color:#dce7f0;font-size:.92rem}.hero-points svg{width:16px;height:16px;color:var(--gold-2)}

.quote-card{background:#fff;color:var(--ink);border-radius:28px;padding:26px;box-shadow:0 28px 80px rgba(1,16,32,.28);border:1px solid rgba(255,255,255,.44)}.quote-card .mini{font-size:.84rem;color:var(--muted);margin:0 0 18px}.quote-card h2,.quote-card h3{margin:0 0 6px;line-height:1.2}.quote-card-head{display:flex;align-items:flex-start;justify-content:space-between;gap:16px;margin-bottom:12px}.quote-card-badge{display:inline-flex;align-items:center;gap:8px;font-size:.76rem;font-weight:800;color:var(--navy);background:var(--gold-soft);padding:8px 12px;border-radius:999px;white-space:nowrap}.quote-card-badge svg{width:15px;height:15px}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}.field{margin-bottom:12px}.field.full{grid-column:1/-1}.field label{display:block;font-size:.79rem;font-weight:800;margin:0 0 6px;color:#34485c}.field input,.field select,.field textarea{width:100%;border:1px solid #d7e0e9;border-radius:14px;padding:12px 13px;background:#fff;color:var(--ink);outline:none;transition:.18s ease}.field textarea{min-height:100px;resize:vertical}.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--gold);box-shadow:0 0 0 4px rgba(200,155,60,.12)}.form-note{font-size:.74rem;color:var(--muted);margin:8px 0 0}.form-message{display:none;padding:10px 12px;border-radius:12px;font-size:.82rem;margin-top:12px}.form-message.ok{display:block;background:#e9f7ef;color:var(--ok)}.form-message.err{display:block;background:#fff0ef;color:var(--danger)}.submit-btn{width:100%;margin-top:4px}

.trust-strip{background:#fff;border-bottom:1px solid var(--line)}.trust-grid{display:grid;grid-template-columns:repeat(4,1fr)}.trust-item{padding:24px 22px;border-right:1px solid var(--line);display:flex;gap:14px}.trust-item:last-child{border-right:0}.trust-item .icon-wrap{width:42px;height:42px;flex:0 0 42px;border-radius:14px;display:grid;place-items:center;background:var(--gold-soft);color:var(--navy)}.trust-item .icon-wrap svg{width:20px;height:20px}.trust-item strong{display:block;color:var(--navy);font-size:1rem}.trust-item span{color:var(--muted);font-size:.88rem;display:block}

.insurance-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.insurance-card{display:flex;flex-direction:column;overflow:hidden;background:#fff;border:1px solid var(--line);border-radius:26px;box-shadow:var(--shadow-soft);text-decoration:none;transition:.24s ease}.insurance-card:hover{transform:translateY(-4px);box-shadow:0 22px 50px rgba(8,47,87,.12);border-color:#d1dbe5}.insurance-card:focus-visible{outline:3px solid rgba(199,154,63,.38);outline-offset:3px}.card-media{position:relative;aspect-ratio:16/10;background:linear-gradient(135deg,#0b355d,#154d76);overflow:hidden}.card-media img{width:100%;height:100%;object-fit:cover;transition:transform .4s ease}.insurance-card:hover .card-media img{transform:scale(1.025)}.card-media::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(7,24,43,.02),rgba(7,24,43,.2));pointer-events:none}.card-media.no-image{display:grid;place-items:center;background:radial-gradient(circle at 78% 22%,rgba(228,193,111,.22),transparent 22%),radial-gradient(circle at 18% 84%,rgba(255,255,255,.12),transparent 26%),linear-gradient(135deg,#092c4c,#174c73)}.card-media.no-image::before{content:"AGESER";position:absolute;z-index:1;color:rgba(255,255,255,.78);letter-spacing:.18em;font-weight:800;font-size:.82rem}.card-media.no-image img{display:none}.card-badge{position:absolute;left:16px;top:16px;z-index:2;display:inline-flex;align-items:center;gap:8px;padding:8px 12px;background:rgba(255,255,255,.94);color:var(--navy);border-radius:999px;font-size:.78rem;font-weight:800;box-shadow:0 8px 20px rgba(0,0,0,.12)}.card-badge svg{width:16px;height:16px}.card-body{padding:20px 22px 22px;display:flex;flex-direction:column;flex:1}.card-title-row{display:flex;align-items:flex-start;justify-content:space-between;gap:16px;margin-bottom:8px}.card-title-row h3{margin:0;font-size:1.22rem;line-height:1.15}.card-arrow{width:42px;height:42px;border-radius:14px;background:var(--paper-2);display:grid;place-items:center;color:var(--navy);flex:0 0 42px}.card-arrow svg{width:18px;height:18px}.card-copy{color:var(--muted);margin:0 0 16px;font-size:.95rem}.card-meta{display:flex;flex-wrap:wrap;gap:8px;margin-top:auto}.card-meta span{display:inline-flex;align-items:center;gap:4px;padding:7px 9px;border-radius:999px;background:#f6f9fc;color:#4a6074;font-size:.76rem;font-weight:700}.card-meta svg{width:12px;height:12px;color:var(--gold)}

.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}.panel-dark{border-radius:34px;padding:36px;background:linear-gradient(145deg,var(--navy),#0b3c67);color:#fff;box-shadow:var(--shadow)}.panel-dark h3{font-size:2rem;line-height:1.08;margin:0 0 14px}.panel-dark p{color:#dbe6ef;margin:0}.value-list,.check-list{list-style:none;padding:0;margin:20px 0 0}.value-list li,.check-list li{padding:11px 0 11px 32px;position:relative;color:var(--muted);border-bottom:1px dashed rgba(221,229,238,.9)}.value-list li:last-child,.check-list li:last-child{border-bottom:0}.panel-dark .check-list li{color:#e5edf4;border-bottom-color:rgba(255,255,255,.12)}.value-list li::before,.check-list li::before{content:"";position:absolute;left:0;top:15px;width:18px;height:18px;border-radius:50%;background:var(--gold-soft)}.value-list li::after,.check-list li::after{content:"";position:absolute;left:6px;top:21px;width:6px;height:6px;border-radius:50%;background:var(--gold)}
.feature-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}.feature-box{padding:22px;border-radius:22px;background:#fff;border:1px solid var(--line);box-shadow:var(--shadow-soft)}.feature-box h3{margin:14px 0 6px;font-size:1.08rem}.feature-box p{margin:0;color:var(--muted);font-size:.94rem}.feature-icon{width:48px;height:48px;border-radius:16px;display:grid;place-items:center;background:var(--gold-soft);color:var(--navy)}.feature-icon svg{width:22px;height:22px}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.step{padding:24px;border-radius:24px;background:#fff;border:1px solid var(--line);box-shadow:var(--shadow-soft)}.step-number{display:inline-flex;width:34px;height:34px;align-items:center;justify-content:center;border-radius:50%;background:var(--navy);color:#fff;font-size:.86rem;font-weight:800}.step h3{margin:14px 0 6px;font-size:1.08rem}.step p{margin:0;color:var(--muted);font-size:.94rem}

.insurer-marquee{position:relative;overflow:hidden;border-radius:28px;border:1px solid var(--line);background:#fff;box-shadow:var(--shadow-soft);padding:18px 0}.insurer-marquee::before,.insurer-marquee::after{content:"";position:absolute;top:0;bottom:0;width:86px;z-index:3;pointer-events:none}.insurer-marquee::before{left:0;background:linear-gradient(90deg,#fff,rgba(255,255,255,0))}.insurer-marquee::after{right:0;background:linear-gradient(270deg,#fff,rgba(255,255,255,0))}.marquee-track{display:flex;gap:16px;width:max-content;animation:scroll-marquee 36s linear infinite;padding-inline:18px}.insurer-marquee:hover .marquee-track{animation-play-state:paused}.insurer-pill{min-width:210px;padding:16px 18px;border:1px solid var(--line);border-radius:18px;background:#fbfcfe;display:flex;align-items:center;justify-content:center;min-height:86px}.insurer-pill img{max-width:155px;max-height:48px;width:auto;height:auto;object-fit:contain}.insurer-name{text-align:center;font-size:.88rem;font-weight:800;color:#274058;line-height:1.35}.insurer-name[hidden]{display:none}@keyframes scroll-marquee{from{transform:translateX(0)}to{transform:translateX(-50%)}}
.disclaimer{border-left:4px solid var(--gold);padding:15px 18px;background:var(--gold-soft);color:#5e4b27;border-radius:0 14px 14px 0;font-size:.92rem}.cta-band{background:linear-gradient(135deg,#082f57,#0e4d78);color:#fff;border-radius:30px;padding:40px;display:flex;align-items:center;justify-content:space-between;gap:26px;box-shadow:var(--shadow)}.cta-band h2{margin:0 0 8px;font-size:clamp(1.8rem,4vw,2.8rem);line-height:1.06}.cta-band p{margin:0;color:#dce7f0}

.page-hero{background:linear-gradient(135deg,#061f3a,#0b416c);color:#fff;padding:76px 0 66px;position:relative;overflow:hidden}.page-hero::after{content:"";position:absolute;right:-140px;top:-140px;width:360px;height:360px;border-radius:50%;border:80px solid rgba(224,189,104,.08)}.page-hero .container{position:relative;z-index:1}.breadcrumbs{font-size:.84rem;color:#b9c9d8;margin-bottom:18px}.breadcrumbs a{text-decoration:none}.page-hero h1{font-size:clamp(2.6rem,6vw,4.8rem);letter-spacing:-.05em;line-height:.98;margin:0 0 18px;max-width:900px}.page-hero p{max-width:820px;margin:0;color:#dce7f0;font-size:1.08rem}.page-layout{display:grid;grid-template-columns:minmax(0,1fr) 380px;gap:46px;align-items:start}.content h2{font-size:1.95rem;line-height:1.12;margin:42px 0 14px;letter-spacing:-.03em}.content h2:first-child{margin-top:0}.content h3{margin:24px 0 8px}.content p{color:#4d6174}.content ul{color:#4d6174;padding-left:22px}.content li{margin:8px 0}.sticky-form{position:sticky;top:102px;display:grid;gap:16px}.aside-panel{padding:22px;border-radius:22px;background:#fff;border:1px solid var(--line);box-shadow:var(--shadow-soft)}.aside-panel h3{margin:0 0 8px;font-size:1.05rem}.aside-panel p{margin:0;color:var(--muted);font-size:.92rem}.aside-list{list-style:none;padding:0;margin:14px 0 0}.aside-list li{display:flex;gap:10px;color:#42576b;margin:10px 0}.aside-list svg{width:16px;height:16px;color:var(--gold);flex:0 0 16px;margin-top:4px}.info-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin:22px 0}.info-box{background:#fff;border:1px solid var(--line);border-radius:20px;padding:20px;box-shadow:var(--shadow-soft)}.info-box strong{display:block;margin-bottom:6px;color:var(--navy)}.info-box span{color:var(--muted);font-size:.92rem}.info-box svg{width:18px;height:18px;color:var(--gold);margin-bottom:10px}
.faq{border-top:1px solid var(--line)}details{border-bottom:1px solid var(--line);padding:18px 0}summary{cursor:pointer;list-style:none;font-weight:800;color:#263d53;padding-right:30px;position:relative}summary::-webkit-details-marker{display:none}summary::after{content:"+";position:absolute;right:0;top:-4px;font-size:1.5rem;color:var(--gold)}details[open] summary::after{content:"−"}details p{margin:10px 0 0;color:var(--muted)}
.glossary-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}.term{background:#fff;border:1px solid var(--line);border-radius:18px;padding:22px;box-shadow:var(--shadow-soft)}.term h3{margin:12px 0 6px;color:var(--navy);font-size:1.04rem}.term p{margin:0;color:var(--muted);font-size:.93rem}.term svg{width:20px;height:20px;color:var(--gold)}
.placeholder{text-align:center;max-width:860px;margin:0 auto}.placeholder-badge{width:84px;height:84px;border-radius:24px;background:var(--gold-soft);color:var(--navy);display:grid;place-items:center;margin:0 auto 22px}.placeholder-badge svg{width:38px;height:38px}.timeline-mini{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:32px;text-align:left}.timeline-card{padding:22px;border-radius:22px;background:#fff;border:1px solid var(--line);box-shadow:var(--shadow-soft)}.timeline-card strong{display:block;color:var(--navy);margin-bottom:6px}.timeline-card p{margin:0;color:var(--muted);font-size:.92rem}

.site-footer{background:#061f3a;color:#cbd8e3;margin-top:74px}.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:42px;padding:56px 0 38px}.footer-brand img{width:200px;background:#fff;border-radius:16px;padding:8px 10px;margin-bottom:16px}.footer-brand p{max-width:430px;color:#aebfce}.footer-links h4{color:#fff;margin:0 0 12px}.footer-links a{display:flex;align-items:center;gap:8px;text-decoration:none;color:#cbd8e3;margin:8px 0;font-size:.92rem}.footer-links svg{width:16px;height:16px;color:var(--gold-2)}.footer-bottom{border-top:1px solid rgba(255,255,255,.12);padding:18px 0 28px;font-size:.78rem;color:#9eb0c0;display:flex;justify-content:space-between;gap:20px}.mobile-quote{display:none}

@media(max-width:1100px){.insurance-grid{grid-template-columns:repeat(2,1fr)}.steps{grid-template-columns:repeat(2,1fr)}}
@media(max-width:980px){.topbar .container{justify-content:center;text-align:center}.topbar .container span:last-child{display:none}.nav-links{display:none;position:absolute;left:20px;right:20px;top:78px;background:#fff;border:1px solid var(--line);border-radius:18px;padding:18px;box-shadow:var(--shadow);flex-direction:column;align-items:flex-start;gap:14px}.nav-links.open{display:flex}.menu-toggle{display:grid;place-items:center}.nav-actions .btn-ghost{display:none}.hero-grid,.page-layout,.split{grid-template-columns:1fr}.hero-grid{gap:36px;padding:64px 0 74px}.quote-card{max-width:720px}.sticky-form{position:static}.trust-grid{grid-template-columns:repeat(2,1fr)}.trust-item:nth-child(2){border-right:0}.trust-item:nth-child(-n+2){border-bottom:1px solid var(--line)}.feature-grid,.timeline-mini{grid-template-columns:1fr}}
@media(max-width:680px){.container{width:min(100% - 28px,1180px)}.nav{min-height:70px}.brand img{width:150px;height:52px}.nav-actions .btn-primary{display:none}.section{padding:64px 0}.hero-grid{padding:54px 0 62px}.hero-copy h1{font-size:clamp(2.55rem,13vw,4rem)}.quote-card-head{display:block}.quote-card-badge{margin-top:8px}.form-grid,.insurance-grid,.info-grid,.glossary-grid,.footer-grid,.steps,.trust-grid,.feature-grid{grid-template-columns:1fr}.cta-band{padding:28px;flex-direction:column;align-items:flex-start}.page-hero{padding:56px 0 50px}.trust-item{border-right:0!important;border-bottom:1px solid var(--line)}.trust-item:last-child{border-bottom:0}.footer-bottom{flex-direction:column}.marquee-track{animation-duration:42s}.insurer-pill{min-width:180px}.mobile-quote{display:flex;position:fixed;z-index:90;left:14px;right:14px;bottom:14px;justify-content:center;align-items:center;gap:8px;background:linear-gradient(135deg,var(--gold),var(--gold-2));color:#13283b;border-radius:999px;padding:14px 18px;font-weight:900;text-decoration:none;box-shadow:0 18px 45px rgba(0,0,0,.22)}.mobile-quote svg{width:18px;height:18px}body{padding-bottom:72px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.marquee-track{animation:none;flex-wrap:wrap;width:auto;justify-content:center}.insurance-card,.btn{transition:none}}