: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--first-health img{width:190px;height:76px;max-width:none}
.carrier-logo--ethos{background:#fff}.carrier-logo--ethos img{width:170px;height:60px;max-width:none;transform:none;filter:brightness(0) saturate(100%) invert(16%) sepia(19%) saturate(1436%) hue-rotate(180deg) brightness(91%) contrast(94%)}
.carrier-logo--amerihealth img{width:180px;height:68px;max-width:100%;object-fit:contain}
.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 .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}
.ethos-quote-section{max-width:1180px}.ethos-quote-card{display:grid;grid-template-columns:300px minmax(0,1fr);gap:44px;align-items:center;padding:38px;background:linear-gradient(145deg,#14364d,#0f2b40);border:1px solid #3d6a83;border-radius:20px;box-shadow:var(--shadow)}.ethos-quote-logo{display:flex;align-items:center;justify-content:center;min-height:150px;padding:28px;background:#fff;border-radius:14px}.ethos-quote-logo img{display:block;width:210px;max-width:100%;height:auto;filter:brightness(0) saturate(100%) invert(16%) sepia(19%) saturate(1436%) hue-rotate(180deg) brightness(91%) contrast(94%)}.ethos-quote-copy h3{font:800 28px/1.2 Manrope,sans-serif;color:#fff;margin:0 0 10px}.ethos-quote-copy>p{max-width:650px}.ethos-quote-copy .quote-note{margin:13px 0 0;color:#a9c5d5;font-size:13px}
@media(max-width:760px){.ethos-quote-card{grid-template-columns:1fr;gap:26px;padding:26px 22px}.ethos-quote-logo{min-height:118px}.ethos-quote-logo img{width:180px}}
.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}

/* Health insurance self-quote page */
.health-page{background:#0b2335}.health-hero{position:relative;overflow:hidden;display:grid;grid-template-columns:minmax(0,1.25fr) minmax(290px,.75fr);gap:70px;align-items:center;padding:92px max(24px,calc((100vw - 1180px)/2));background:radial-gradient(circle at 82% 18%,rgba(91,194,239,.22),transparent 34%),linear-gradient(120deg,#0b2538,#163b55);border-bottom:1px solid #315b75}.health-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}.health-hero>*{position:relative;z-index:1}.health-hero h1{font:800 clamp(44px,5vw,70px)/1.08 Manrope,sans-serif;letter-spacing:-.045em;color:#fff;margin:20px 0}.health-hero h1 em{color:#8bdcff;font-style:normal}.health-hero-copy>p{max-width:690px;font-size:19px;color:#d0e1ec}.health-trust{display:flex;gap:12px 24px;flex-wrap:wrap;margin-top:28px;color:#f4fbff;font-weight:700;font-size:14px}.health-help{background:linear-gradient(145deg,#1a4764,#102f47);border:1px solid #4b7b96;border-radius:22px;padding:36px;box-shadow:var(--shadow)}.health-help-icon{display:grid;place-items:center;width:58px;height:58px;border-radius:17px;background:#2d80aa;color:#fff;font-size:29px;margin-bottom:22px}.health-help h2{font:800 26px/1.2 Manrope,sans-serif;color:#fff;margin:0 0 12px}.health-help p{margin:0 0 17px}.health-help a{color:#9de5ff;font-weight:700}.self-quote{max-width:1180px}.self-quote-grid{margin-top:34px;display:grid;grid-template-columns:minmax(0,620px);gap:20px}.self-quote-card{background:linear-gradient(145deg,#14364d,#0f2b40);border:1px solid #3d6a83;border-radius:18px;padding:34px;box-shadow:var(--shadow)}.carrier-label{display:inline-flex;border:1px solid #4b809c;border-radius:999px;padding:7px 12px;color:#9de5ff;font-size:12px;font-weight:800;letter-spacing:.08em;text-transform:uppercase}.self-quote-card h3{font:800 25px/1.2 Manrope,sans-serif;color:#fff;margin:20px 0 9px}.self-quote-card>p{max-width:530px}.uhone-quote{display:inline-block;margin:14px 0 4px;border-radius:8px;overflow:hidden;line-height:0;transition:transform .2s,box-shadow .2s}.uhone-quote:hover,.uhone-quote:focus-visible{transform:translateY(-2px);box-shadow:0 0 0 3px #8bdcff;outline:0}.uhone-quote img{display:block;max-width:100%;height:auto;border:0}.self-quote-card .quote-note{font-size:13px;color:#a9c5d5;margin:13px 0 0}.health-contact{display:flex;justify-content:space-between;align-items:center;gap:36px;padding:70px max(24px,calc((100vw - 1180px)/2));background:linear-gradient(110deg,#164c6b,#2d88b4)}.health-contact>div{max-width:760px}.health-contact h2{font:800 clamp(34px,4vw,50px)/1.1 Manrope,sans-serif;color:#fff;letter-spacing:-.035em;margin:14px 0}.health-contact p{font-size:18px;color:#e3f3fa;margin:0}.health-contact p a{font-weight:800;color:#fff}.health-contact .button.pale{background:#ecf9ff;color:#103951;white-space:nowrap}
@media(max-width:900px){.health-hero{grid-template-columns:1fr;gap:32px;padding-block:65px}.health-help{max-width:650px}.health-contact{align-items:flex-start;flex-direction:column}.health-hero::after{right:5%;opacity:.4}}
@media(max-width:580px){.health-hero{padding:55px 18px}.health-hero h1{font-size:43px}.self-quote-card{padding:25px 20px}.health-contact{padding:58px 18px}}
.self-quote-logo{display:flex;align-items:center;justify-content:center;width:260px;max-width:100%;height:92px;padding:18px 22px;border-radius:12px;background:#fff}.self-quote-logo img{display:block;width:100%;height:100%;object-fit:contain}.self-quote-card .self-quote-logo+p{margin-top:22px}.self-quote-button{display:inline-flex;align-items:center;justify-content:center;min-height:50px;margin:14px 0 4px;padding:12px 18px;border-radius:8px;background:#2c8fbd;color:#fff;font-weight:800;text-align:center;transition:transform .2s,background .2s,box-shadow .2s}.self-quote-button:hover,.self-quote-button:focus-visible{transform:translateY(-2px);background:#3aa9d7;box-shadow:0 0 0 3px #8bdcff;outline:0}.network-carriers{margin-top:27px;padding-top:23px;border-top:1px solid #3d6a83}.network-carriers h3{margin:0 0 14px!important;font:800 18px/1.2 Manrope,sans-serif!important}.network-logo-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:10px}.network-logo-grid>div{display:flex;align-items:center;justify-content:center;height:72px;padding:10px;border-radius:9px;background:#fff}.network-logo-grid img{display:block;width:100%;height:100%;object-fit:contain}
@media(min-width:901px){.self-quote-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:580px){.network-logo-grid{grid-template-columns:1fr}.network-logo-grid>div{height:82px}}
.network-logo-grid--allstate>div:last-child{background:#fff}.network-logo-grid--allstate>div:last-child img{display:block;content:url("logos/first-health-network.jpg")}
.network-logo-grid-single{grid-template-columns:minmax(0,180px)}.network-logo-grid-single>div{height:82px}
.network-logo-grid-two{grid-template-columns:repeat(2,minmax(0,1fr))}.network-logo-grid .phcs-mark{display:block;width:165px;max-width:100%;height:auto;aspect-ratio:145/42;overflow:hidden}.network-logo-grid .phcs-mark img{display:block;width:100%;height:auto;max-width:165px;object-fit:initial}
.network-logo-grid-four{grid-template-columns:repeat(4,minmax(0,1fr))}.network-logo-grid-four>div{height:86px;padding:8px}.network-logo-grid-four .logo-cell-first-health{overflow:hidden}.network-logo-grid-four .network-logo-first-health{transform:scale(1.35)}
.network-logo-grid .enroll-prime-first-health{overflow:hidden;padding:4px}.network-logo-grid .enroll-prime-first-health img{transform:scale(1.28)}
.employer-sponsored{margin-top:70px;padding-top:62px;border-top:1px solid #315b75}.employer-sponsored-intro h2{margin-bottom:0}
@media(max-width:580px){.network-logo-grid-two{grid-template-columns:1fr}.network-logo-grid-four{grid-template-columns:repeat(2,minmax(0,1fr))}}

/* Referral program */
.referral-page{background:#0b2335;color:var(--text)}
.referral-hero{position:relative;overflow:hidden;display:grid;grid-template-columns:minmax(0,.82fr) minmax(420px,1.18fr);gap:72px;align-items:center;padding:76px max(24px,calc((100vw - 1180px)/2));background:radial-gradient(circle at 82% 14%,rgba(91,194,239,.19),transparent 35%),linear-gradient(120deg,#0b2538,#163b55);border-bottom:1px solid #315b75}
.referral-hero::after{content:"";position:absolute;right:47%;top:-15%;width:18px;height:140%;background:rgba(65,163,211,.27);transform:skew(-18deg);pointer-events:none}
.referral-hero>*{position:relative;z-index:1}.referral-copy h1{font:800 clamp(44px,5vw,70px)/1.06 Manrope,sans-serif;letter-spacing:-.045em;color:#fff;margin:20px 0}.referral-copy h1 em{color:#8bdcff;font-style:normal}.referral-copy>p{max-width:600px;font-size:19px;color:#d0e1ec}
.referral-art-card{padding:13px;background:linear-gradient(145deg,#1a4b68,#102d43);border:1px solid #4d7891;border-radius:24px;box-shadow:var(--shadow)}.referral-art-card img{display:block;width:100%;height:auto;border-radius:14px}
.referral-details{max-width:1180px}.referral-steps{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;margin-top:34px}.referral-steps article{background:#112d42;border:1px solid #2b526a;border-radius:16px;padding:30px}.referral-steps b{display:grid;place-items:center;width:45px;height:45px;border-radius:14px;background:#1a4a65;color:#9ee4ff;font:800 18px Manrope,sans-serif}.referral-steps h3{font:800 20px/1.25 Manrope,sans-serif;color:#fff;margin:18px 0 8px}.referral-steps p{margin:0;color:#b9cfdb}.referral-disclaimer{max-width:900px;margin:26px 0 0;color:#93afbf;font-size:12px}
.referral-cta{display:flex;justify-content:space-between;align-items:center;gap:36px;padding:68px max(24px,calc((100vw - 1180px)/2));background:linear-gradient(110deg,#164c6b,#2d88b4)}.referral-cta>div{max-width:760px}.referral-cta h2{font:800 clamp(34px,4vw,50px)/1.1 Manrope,sans-serif;color:#fff;letter-spacing:-.035em;margin:14px 0}.referral-cta p{font-size:18px;color:#e3f3fa;margin:0}.referral-cta p a{font-weight:800;color:#fff}.referral-cta .button.pale{background:#ecf9ff;color:#103951;white-space:nowrap}
@media(min-width:901px) and (max-width:1180px){.site-header{gap:22px}.site-header nav{gap:14px;font-size:12px}.header-cta{padding-inline:14px}}
@media(max-width:900px){.referral-hero{grid-template-columns:1fr;gap:38px;padding-block:62px}.referral-hero::after{right:7%;opacity:.4}.referral-art-card{max-width:680px}.referral-steps{grid-template-columns:1fr}.referral-cta{align-items:flex-start;flex-direction:column}}
@media(max-width:580px){.referral-hero{padding:50px 18px}.referral-copy h1{font-size:42px}.referral-art-card{padding:7px;border-radius:16px}.referral-art-card img{border-radius:10px}.referral-details{padding-inline:18px}.referral-steps article{padding:25px 22px}.referral-cta{padding:56px 18px}}

/* Keep the full desktop navigation evenly distributed. */
@media(min-width:901px){.site-header{max-width:1400px;gap:20px}.site-header .brand{margin-right:0}.site-header nav{flex:1;justify-content:space-evenly;gap:0;min-width:0}.site-header nav a{padding:9px 8px;white-space:nowrap;text-align:center}.site-header .header-cta{flex:none;white-space:nowrap}}
@media(min-width:901px) and (max-width:1180px){.site-header{gap:12px;padding-inline:16px}.site-header nav{font-size:11px}.site-header nav a{padding-inline:5px}.site-header .header-cta{padding-inline:11px;font-size:12px}}

/* Public Marketplace quote */
.marketplace-section{padding-bottom:24px}.marketplace-card{display:grid;grid-template-columns:280px minmax(0,1fr);gap:48px;align-items:center;padding:42px;background:linear-gradient(145deg,#14364d,#0f2b40);border:1px solid #3d6a83;border-radius:20px;box-shadow:var(--shadow)}.marketplace-logo{display:flex;align-items:center;justify-content:center;min-height:138px;padding:28px;background:#fff;border-radius:14px}.marketplace-logo img{display:block;width:100%;max-width:220px;height:auto}.marketplace-copy h2{font:800 clamp(30px,3.5vw,44px)/1.12 Manrope,sans-serif;color:#fff;letter-spacing:-.03em;margin:15px 0 12px}.marketplace-copy>p{max-width:680px}.marketplace-copy .quote-note{font-size:13px;color:#a9c5d5;margin:13px 0 0}
@media(max-width:760px){.marketplace-card{grid-template-columns:1fr;gap:28px;padding:28px 22px}.marketplace-logo{min-height:110px}.marketplace-logo img{max-width:210px}}
.self-quote-grid.single-card-grid{grid-template-columns:minmax(0,620px)}

/* Center section introductions while preserving readable card and form alignment. */
.section-intro{margin-left:auto;margin-right:auto;text-align:center}.section-intro .eyebrow{justify-content:center}.section-intro>p{margin-left:auto;margin-right:auto}.employer-sponsored-intro{max-width:820px}.employer-sponsored-intro h2{margin-left:auto;margin-right:auto}

/* Framed section labels inspired by the reference site's outlined kickers. */
.eyebrow{display:inline-flex;width:max-content;max-width:100%;padding:8px 13px;border:1px solid rgba(139,220,255,.55);border-radius:999px;background:rgba(24,74,101,.42);line-height:1.25}.eyebrow.light{border-color:rgba(205,239,255,.62);background:rgba(7,32,49,.28)}.section-intro .eyebrow,.license-band .eyebrow{margin-left:auto;margin-right:auto}
@media(max-width:580px){.eyebrow{white-space:normal;text-align:left;letter-spacing:.09em}.section-intro .eyebrow{text-align:center}}
.carrier-intro{margin-left:auto;margin-right:auto;text-align:center}.carrier-intro .eyebrow{margin-left:auto;margin-right:auto}.carrier-intro h2{margin-left:auto;margin-right:auto}

/* Professional polish — one consistent visual system across every page. */
:root{--radius-sm:12px;--radius-md:18px;--radius-lg:24px;--card-shadow:0 18px 50px rgba(2,13,24,.24);--card-shadow-hover:0 24px 62px rgba(2,13,24,.34)}
body{letter-spacing:-.005em}
p{max-width:72ch}
.site-header{position:sticky;top:0;z-index:50;width:100%;max-width:none;margin:0;padding-inline:max(24px,calc((100vw - 1360px)/2));background:rgba(11,35,53,.94);box-shadow:0 10px 35px rgba(2,14,24,.22);backdrop-filter:blur(16px);-webkit-backdrop-filter:blur(16px)}
.site-header nav a{position:relative;transition:color .2s ease}
.site-header nav a::after{content:"";position:absolute;left:12px;right:12px;bottom:2px;height:2px;border-radius:2px;background:#8bdcff;transform:scaleX(0);transform-origin:center;transition:transform .2s ease}
.site-header nav a:hover::after,.site-header nav a:focus-visible::after{transform:scaleX(1)}
.header-cta,.button,.self-quote-button{transition:transform .2s ease,background-color .2s ease,border-color .2s ease,box-shadow .2s ease}
.header-cta:hover,.header-cta:focus-visible,.button:hover,.button:focus-visible{transform:translateY(-2px)}
.header-cta:focus-visible,.button:focus-visible,.site-header nav a:focus-visible,.footer-links a:focus-visible{outline:2px solid #9de5ff;outline-offset:3px}

.hero{min-height:640px;padding-block:82px;gap:76px}
.hero h1,.health-hero h1,.life-hero h1,.client-hero h1,.referral-copy h1{text-wrap:balance}
.hero-lede,.health-hero-copy>p,.client-hero>div>p,.referral-copy>p{line-height:1.7}
.quote-card,.health-help,.life-hero-panel,.client-hero aside{border-radius:var(--radius-lg);box-shadow:var(--card-shadow)}
.quote-card{padding:36px}
.choice-grid span,.contact-fields input{border-radius:10px}
.contact-fields input:focus{outline:2px solid #8bdcff;outline-offset:2px;border-color:#8bdcff}

.section{padding-block:96px}
.section-intro,.carrier-intro{margin-bottom:44px}
.section-intro h2,.carrier-intro h2,.resource-heading h2,.final-cta h2{text-wrap:balance}
.section-intro>p,.carrier-intro>p{line-height:1.7}
.eyebrow{box-shadow:inset 0 1px rgba(255,255,255,.06)}

.service-grid{gap:16px;border:0}
.service-grid article{min-height:265px;padding:32px;border:1px solid var(--line);border-radius:var(--radius-md);box-shadow:0 12px 34px rgba(2,13,24,.14)}
.service-grid article:hover{border-color:#477b98;box-shadow:var(--card-shadow-hover);transform:translateY(-4px)}
.icon,.life-icon,.resource-grid article>b,.referral-steps b{border:1px solid rgba(139,220,255,.16)}

.carrier-section{padding-block:96px}
.carrier-grid{gap:14px}
.carrier-logo{height:116px;border-radius:14px;border-color:#42677d;box-shadow:0 8px 24px rgba(0,10,20,.16);transition:transform .2s ease,border-color .2s ease,box-shadow .2s ease}
.carrier-logo:hover{transform:translateY(-3px);border-color:#70b9dc;box-shadow:0 15px 34px rgba(0,10,20,.28)}
.carrier-note{margin-inline:auto;text-align:center;line-height:1.6}

.why-quote,.why-steps{padding-block:92px}
.why-quote blockquote{text-wrap:balance}
.why-steps article{padding-block:25px}
.about{gap:72px}
.portrait-card{border-radius:var(--radius-lg);box-shadow:var(--card-shadow)}
.contact-grid a{border-radius:var(--radius-sm);transition:transform .2s ease,border-color .2s ease,background-color .2s ease}
.contact-grid a:hover{transform:translateY(-2px)}
.license-band{padding-block:72px}
.license-band .state-list{gap:9px}
.license-band .state-list li{border-radius:999px}
.final-cta{padding-block:100px}
.legal{padding-top:28px}

.resource-section{padding-top:72px}
.resource-grid{gap:16px;margin-top:24px}
.resource-grid article,.life-product,.self-quote-card,.referral-steps article{border-radius:var(--radius-md);box-shadow:0 12px 34px rgba(2,13,24,.15);transition:transform .2s ease,border-color .2s ease,box-shadow .2s ease}
.resource-grid article:hover,.life-product:hover,.self-quote-card:hover,.referral-steps article:hover{transform:translateY(-3px);border-color:#4c809c;box-shadow:var(--card-shadow-hover)}
.resource-heading{gap:28px}
.resource-heading img{border-radius:var(--radius-sm)}
.client-tip{border-radius:0 var(--radius-sm) var(--radius-sm) 0}

.self-quote-grid{gap:22px}
.self-quote-card{padding:36px}
.self-quote-logo,.network-logo-grid>div,.marketplace-logo{border:1px solid #dce7ec;box-shadow:0 7px 20px rgba(1,13,24,.12)}
.marketplace-card,.referral-art-card{border-radius:var(--radius-lg);box-shadow:var(--card-shadow)}
.marketplace-card{padding:44px}
.employer-sponsored{margin-top:76px;padding-top:72px}
.health-contact,.life-cta,.referral-cta{border-top:1px solid rgba(183,232,255,.22)}

footer{padding-top:58px}
.footer-links{padding-block:20px;margin-block:22px;border-block:1px solid rgba(255,255,255,.09);row-gap:12px}
.footer-links a{transition:color .2s ease}
.footer-bottom{line-height:1.6}

@media(max-width:1000px){.hero{gap:48px}.carrier-grid{grid-template-columns:repeat(4,minmax(0,1fr))}}
@media(max-width:900px){.site-header{padding-inline:20px}.site-header.open nav{top:calc(100% - 8px);border-radius:var(--radius-md);box-shadow:var(--card-shadow);gap:4px}.site-header.open nav a{padding:10px 12px}.site-header.open nav a::after{display:none}.hero{padding-block:64px}.section,.carrier-section{padding-block:82px}.why-quote,.why-steps{padding-block:76px}.about{gap:48px}.license-band{padding-block:62px}}
@media(max-width:720px){.carrier-grid{gap:10px}.carrier-logo{height:104px}.marketplace-card{padding:28px 22px}}
@media(max-width:580px){.site-header{padding-inline:16px}.hero{padding-block:48px 64px}.quote-card{padding:24px}.section,.carrier-section{padding-block:70px}.section-intro,.carrier-intro{margin-bottom:34px}.service-grid{gap:12px}.service-grid article{padding:26px}.why-quote,.why-steps{padding-block:64px}.license-band{padding-block:58px}.final-cta{padding-block:76px}.resource-section{padding-top:58px}.resource-grid article,.referral-steps article,.self-quote-card{padding:24px 21px}.resource-heading{gap:20px}.footer-links{gap:12px 18px}.footer-bottom{gap:16px}}

/* Coordinated scenic backgrounds across the full site */
.hero,.health-hero,.life-hero,.client-hero,.referral-hero,.why-quote,.final-cta,.health-contact,.life-cta,.referral-cta{background-size:cover;background-position:center;background-repeat:no-repeat}
.hero{background-image:linear-gradient(90deg,rgba(4,20,33,.94) 0%,rgba(7,31,49,.82) 48%,rgba(7,31,49,.64) 100%),url("mountain-background.png")}
.health-hero{background-image:linear-gradient(90deg,rgba(4,20,33,.94) 0%,rgba(7,31,49,.79) 50%,rgba(7,31,49,.6) 100%),url("mountain-health.png")}
.life-hero{background-image:linear-gradient(90deg,rgba(4,16,30,.94) 0%,rgba(6,28,46,.8) 50%,rgba(6,28,46,.58) 100%),url("mountain-life.png")}
.client-hero{background-image:linear-gradient(90deg,rgba(4,20,33,.94) 0%,rgba(7,31,49,.8) 50%,rgba(7,31,49,.57) 100%),url("mountain-clients.png")}
.referral-hero{background-image:linear-gradient(90deg,rgba(4,20,33,.94) 0%,rgba(7,31,49,.8) 50%,rgba(7,31,49,.58) 100%),url("mountain-referral.png")}
.why-quote,.final-cta{background-image:linear-gradient(rgba(5,26,40,.88),rgba(5,26,40,.9)),url("mountain-background.png")}
.why-steps{background-image:linear-gradient(rgba(6,26,40,.9),rgba(8,35,51,.92)),url("mountain-clients.png");background-size:cover;background-position:60% center;background-repeat:no-repeat}
.health-contact{background-image:linear-gradient(90deg,rgba(4,20,33,.94) 0%,rgba(7,31,49,.82) 52%,rgba(7,31,49,.64) 100%),url("mountain-health-contact.png");background-position:center}
.life-cta{background-image:linear-gradient(90deg,rgba(4,20,33,.94) 0%,rgba(7,31,49,.82) 52%,rgba(7,31,49,.64) 100%),url("mountain-life-cta.png");background-position:center}
.referral-cta{background-image:linear-gradient(90deg,rgba(4,20,33,.94) 0%,rgba(7,31,49,.82) 52%,rgba(7,31,49,.64) 100%),url("mountain-referral-cta.png");background-position:center}
.hero:before{background:radial-gradient(circle,rgba(90,195,238,.13),transparent 66%)}
@media(max-width:700px){.hero,.health-hero,.life-hero,.client-hero,.referral-hero{background-position:62% center}.hero{background-image:linear-gradient(90deg,rgba(4,20,33,.95),rgba(7,31,49,.78)),url("mountain-background.png")}.health-hero{background-image:linear-gradient(90deg,rgba(4,20,33,.95),rgba(7,31,49,.78)),url("mountain-health.png")}.life-hero{background-image:linear-gradient(90deg,rgba(4,20,33,.95),rgba(7,31,49,.78)),url("mountain-life.png")}.client-hero{background-image:linear-gradient(90deg,rgba(4,20,33,.95),rgba(7,31,49,.78)),url("mountain-clients.png")}.referral-hero{background-image:linear-gradient(90deg,rgba(4,20,33,.95),rgba(7,31,49,.78)),url("mountain-referral.png")}}