/* A focused phone journey, layered after readable desktop/tablet styles. */
.phone-title,.phone-overview,.mobile-actions,.phone-quote-hint{display:none}
.footer-links{display:flex;flex-wrap:wrap;gap:8px 24px}.footer-links a{display:inline-flex;align-items:center;min-height:56px}
.quote-preparation-help{margin-top:18px;border-bottom:1px solid #c5cfd5}.quote-preparation-help>summary{font-size:18px!important}
@media(max-width:760px){
 html{scroll-padding-top:96px}.header{grid-template-columns:1fr 64px;padding:8px 16px;min-height:80px;box-shadow:none;background:#fbfaf7}
 .header>.btn{display:none}.brand,.brand img{width:100px}.header .menu{justify-self:end}.header nav{left:12px;right:12px;max-height:calc(100vh - 100px);max-height:calc(100dvh - 100px)}
 .desktop-title{display:none}.phone-title{display:inline}.page-home .hero{margin-top:16px;padding:0;border-radius:22px;gap:0}
 .page-home .hero .hero-copy{padding:28px 24px}.page-home .hero h1{font-size:36px!important;line-height:1.15!important;margin-top:0}.page-home .hero h1 span{margin-top:0}.page-home .hero h1 br{display:block}
 .page-home .hero .eyebrow,.page-home .hero-note{display:none}.page-home .hero-copy>p{margin-top:18px}.page-home .hero-actions{margin-top:24px;gap:8px}.page-home .hero-actions .text-link{min-height:48px!important}
 .page-home .hero-visual{height:160px;min-height:160px;border-radius:0}.page-home .plan-card,.page-home .photo-caption{display:none}
 .page-home .trustline,.page-home #coverage,.page-home .planning-paths,.page-home #approach,.page-home .team-section,.page-home .change-callout,.page-home #coverage-guide,.page-home #quick-inquiry:not(.phone-revealed),.page-home #questions{display:none}
 .page-home .quote-section{margin-top:28px;padding:24px 18px;border-radius:22px;gap:16px;scroll-margin-top:96px}
 .quote-copy .eyebrow,.quote-copy .quote-contact,.quote-copy .quote-preparation-link{display:none}.quote-copy h2{font-size:30px!important}.quote-copy>p:not(.eyebrow){margin-top:12px}
 .quote-panel{padding:0;border:0;background:transparent;box-shadow:none;border-radius:0}.panel-heading{display:none}.phone-quote-hint{display:block;margin-bottom:14px;font-weight:bold}
 .quote-choices{gap:10px!important}.quote-choices button{min-height:68px!important;border-width:1px;padding:16px!important;border-radius:14px;background:#fffefa}.quote-choices button.selected{border-width:2px}.quote-specific{margin-top:10px}
 .quote-section #quote-continue{display:none}.quote-panel>.fineprint{margin-top:16px}.quote-panel>.fineprint:first-of-type{display:none}
 .quote-preparation-help{margin-top:8px}.quote-preparation-help>summary{min-height:56px!important;padding:14px 0!important}.quote-guidance{margin-top:0;padding:16px}.quote-guidance h4{font-size:21px}.quote-specific summary{padding:14px 0!important}
 .quote-section.is-open .quote-panel,.quote-section.is-open .quote-copy{display:none}.quote-section.is-open{padding:18px 10px}.embedded-intake{padding:16px 8px;max-width:100%;min-width:0;margin:0}.intake-heading .eyebrow,.intake-badge{display:none}.intake-heading h3{font-size:27px!important}.intake-heading p{margin-top:12px}.intake-tools{margin-top:12px}.intake-tools .text-link{font-size:18px!important}
 .phone-overview{display:block;padding-top:36px}.phone-overview h2{font-size:30px!important}.phone-destinations{display:grid;gap:0;margin-top:18px;border:1px solid #aab7bf;border-radius:18px;background:#fffefa;overflow:hidden}.phone-destinations a{display:block;padding:18px 20px;border-bottom:1px solid #c5cfd5}.phone-destinations a:last-child{border:0}.phone-destinations strong,.phone-destinations span{display:block;font-size:18px;line-height:1.6}.phone-destinations strong{font-size:21px}.phone-destinations span{color:#43535f;margin-top:4px}
 .page-home #services{padding-top:36px}.page-home #services .eyebrow,.page-home #services .section-head>p,.page-home .service-card .icon-tile,.page-home .service-card>p{display:none}.page-home #services h2{font-size:30px!important}.page-home .service-grid{gap:12px}.page-home .service-card{padding:18px 20px;border-radius:16px}.page-home .service-card h3{font-size:23px!important;margin:0}.page-home .service-card .text-link{padding:8px 0 0;margin:0;min-height:48px!important}
 .page-home .contact-section{margin-top:36px;padding:24px;gap:18px}.page-home .contact-section .eyebrow,.page-home .contact-section>div:first-child>p:not(.eyebrow),.page-home .contact-section>div:first-child>.btn,.page-home .contact-details>div>span{display:none}.page-home .contact-section h2{font-size:30px!important}.page-home .contact-details{gap:16px}.page-home .contact-details h3{font-size:21px!important}.page-home .contact-details p{line-height:1.6!important}
 .page-photo{display:none}.page-hero{min-height:0!important}.page-hero .hero-copy{padding:28px 24px!important}.page-hero h1{font-size:34px!important}.page-hero .btn{margin-top:20px}.page-about .about-links a{padding:8px}
 .team-card{display:grid;grid-template-columns:96px minmax(0,1fr);gap:0;align-items:start}.team-card>img{width:96px;height:120px;aspect-ratio:auto;margin:18px 0 0 16px;border-radius:12px;max-width:96px}.team-card-copy{padding:18px 18px 18px 30px}.team-card h3{font-size:23px!important}.team-card-copy>p:not(.team-role){display:none}.team-card .team-role{margin-bottom:4px}.team-card-actions{gap:0 16px;padding-top:6px}.team-intro{margin:14px 0 20px}
 .footer-top{gap:16px}.footer-links{display:grid;grid-template-columns:1fr 1fr;gap:0 16px;width:100%}.footer-links a{font-size:18px}.footer-top>.text-link{margin:0}.footer-bottom{gap:12px}footer{padding-bottom:20px!important}
 .mobile-actions{position:fixed;z-index:35;bottom:0;left:0;right:0;display:grid;grid-template-columns:1fr 1fr;gap:12px;background:#fbfaf7;border-top:1px solid #aab7bf;padding:10px 16px;padding-bottom:calc(10px + env(safe-area-inset-bottom,0px));box-shadow:0 -3px 12px #081b2910}
 .mobile-actions a{display:flex;align-items:center;justify-content:center;min-height:56px;padding:12px;font-size:18px;line-height:1.4;font-weight:bold;text-align:center;border:1px solid #081b29;border-radius:14px;color:#081b29}.mobile-actions a:last-child{background:#176b93;border-color:#176b93;color:white}
 body{padding-bottom:96px}.quote-form-open .mobile-actions,.input-active .mobile-actions{display:none}.chat-launcher{position:static;display:flex;justify-content:center;width:calc(100% - 32px);height:auto;min-height:56px;margin:12px 16px 20px;padding:14px 20px;border-radius:14px}.chat-launcher span{display:inline}.chat-launcher b{display:none}.chat-launcher i{display:none}
 .info-dialog,.chat-dialog{max-height:calc(100vh - 24px);max-height:calc(100dvh - 24px);overflow-y:auto}
}
@media(max-width:360px){.page-home .hero h1{font-size:32px!important}.team-card{grid-template-columns:80px minmax(0,1fr)}.team-card>img{width:80px;height:104px;max-width:80px}.mobile-actions{gap:8px;padding-left:12px;padding-right:12px}.mobile-actions a{font-size:17px}}

/* Live Chat Support keeps the on-phone request short, readable and sent to the local team. */
.chat-dialog{overflow:auto}.chat-support-copy{padding:18px 20px 0}.chat-support-copy p{font-size:14px;color:#43535f;line-height:1.6}.chat-support-copy a{display:inline-flex;align-items:center;min-height:44px;margin-top:8px;color:#254f3b;font-size:14px;font-weight:650;text-decoration:underline;text-underline-offset:3px}.chat-support-form{display:grid;gap:9px;padding:18px 20px 0}.chat-support-form label{font-size:13px;font-weight:650;margin-top:5px}.chat-support-form input,.chat-support-form select,.chat-support-form textarea{width:100%;min-width:0;border:1px solid #84969e;border-radius:9px;background:#fff;color:#102a34;font:inherit;font-size:14px;line-height:1.45;padding:10px 12px}.chat-support-form input,.chat-support-form select{min-height:46px}.chat-support-form textarea{resize:vertical}.chat-support-form [aria-invalid="true"]{border:2px solid #9b2424}.chat-support-form [role="alert"]{color:#8c2121;font-size:13px;font-weight:650}.chat-support-form .btn{margin-top:8px;font-size:14px!important;gap:10px}.chat-confirmation{margin:20px;padding:16px;border-left:4px solid #254b37;background:#e8f0e8;font-size:14px;line-height:1.6;scroll-margin-top:24px}.chat-disclaimer{margin-top:10px}
@media(max-width:760px){.chat-support-copy{padding:18px 20px 0}.chat-support-copy p,.chat-support-copy a{font-size:18px!important;line-height:1.55}.chat-support-form{gap:10px;padding:18px 20px 0}.chat-support-form label{font-size:18px}.chat-support-form input,.chat-support-form select,.chat-support-form textarea{font-size:18px!important;min-height:56px;padding:12px 14px}.chat-support-form textarea{min-height:112px}.chat-support-form .btn{font-size:18px!important;min-height:56px!important}.chat-confirmation{font-size:18px;line-height:1.6}.chat-dialog .chat-disclaimer{font-size:16px!important;padding-top:16px}.chat-dialog{margin:auto auto 12px;max-height:calc(100dvh - 24px)}}

/* Keep the first phone screen light and focused on one next step. */
.hero h1>.desktop-title{color:inherit}.hero h1>.phone-title{display:none;color:inherit}
@media(max-width:760px){
 .page-home .hero h1>.desktop-title{display:none}.page-home .hero h1>.phone-title{display:block;color:#081b29}
 .page-home .hero{background:transparent;border:0;box-shadow:none;margin-top:12px}.page-home .hero .hero-copy{padding:20px 8px 8px}.page-home .hero h1{color:#081b29}
 .page-home main .hero .hero-copy>p{color:#43535f!important}.page-home .hero .hero-actions .text-link{color:#081b29!important}
 .page-home .hero-visual{display:none}.page-home .quote-section{margin-top:20px}.quote-copy>p:not(.eyebrow){display:none}
 .quote-panel>.fineprint{display:none}.quote-panel>.fineprint:last-of-type{display:block}
 .hero-in-view .mobile-actions{display:none}
}

@media(max-width:760px){.page-home .hero{min-height:0}}

.service-form small,.inquiry-form small{font-size:18px;line-height:1.6;color:#43535f}

.callback-form{max-width:640px;display:grid;gap:12px;margin:24px 0}#quote-contact-form h4{font-size:26px;margin:0}.callback-form label{font-size:19px;font-weight:650;margin-top:10px}.callback-form input:not([type="hidden"]){font:inherit;font-size:20px;width:100%;min-width:0;min-height:56px;padding:12px;border:1px solid #697b85;border-radius:8px;background:#fff;color:#0a1d29}.callback-form small{font-size:18px;line-height:1.6;color:#43535f}.callback-form [aria-invalid="true"]{border:2px solid #9b2424}.callback-form [role="alert"]{color:#8c2121;font-weight:600}.callback-form button:disabled{opacity:.7;cursor:wait}#callback-confirmation{padding:18px;background:#e8f0e8;border-left:4px solid #254b37;font-size:19px;line-height:1.6;scroll-margin-top:120px}.callback-form[hidden]{display:none}

/* HorizonX-inspired editorial hierarchy: clear actions, quiet surfaces, restrained motion. */
.header nav a[aria-current="page"]{color:#24533e;text-decoration:underline;text-underline-offset:7px}
.quote-explainer{max-width:380px;margin-top:24px}.quote-panel .panel-heading>span{font-size:16px}.quote-steps{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));list-style:none;padding:0;margin:0 0 28px;gap:12px;border-bottom:1px solid #b8c8ce;padding-bottom:22px}.quote-steps li{display:flex;align-items:center;gap:9px;color:#52626c;font-size:18px!important;line-height:1.4!important}.quote-steps b{display:grid;place-items:center;flex:none;width:34px;height:34px;border:1px solid #84969e;border-radius:50%;font-size:17px}.quote-steps [aria-current="step"]{color:#0c3020;font-weight:700}.quote-steps [aria-current="step"] b,.quote-steps .complete b{background:#254f3b;border-color:#254f3b;color:#fff}.quote-steps .complete{color:#254f3b}
#quote-picker .quote-choices button{display:flex;align-items:center;gap:16px;background:#fffefa;border:1px solid #a4b5bc;border-radius:14px;text-align:left;box-shadow:none}#quote-picker .quote-choice-copy{display:block;flex:1;min-width:0;margin:0}#quote-picker .quote-choice-copy strong{display:block;font-size:22px;line-height:1.35;font-weight:650;color:#102a34}#quote-picker .quote-choice-copy small{display:block;font-size:18px;line-height:1.5;color:#43535f;margin-top:5px}#quote-picker .quote-choice-arrow{flex:none;margin:0;font-size:24px;color:#24533e}#quote-picker .quote-choices button i{flex:none;background:#eaf0e8;border-radius:10px;width:42px;height:42px;display:grid;place-items:center}#quote-picker .quote-choices button svg{width:25px;height:25px}.intake-tools{gap:12px;align-items:center}.intake-tools .text-link{font-weight:600}.intake-tools a{font-weight:400}.quote-steps+ .intake-heading{margin-top:0}
@media(hover:hover) and (prefers-reduced-motion:no-preference){#quote-picker .quote-choices button,.phone-destinations a{transition:background-color .18s ease,border-color .18s ease,transform .18s ease}#quote-picker .quote-choices button:hover{border-color:#254f3b;background:#f0f4ec;transform:translateY(-2px)}.phone-destinations a:hover{background:#f0f4ec}}
@media(max-width:760px){.page-home .hero .eyebrow{display:block;font-size:16px!important;letter-spacing:.04em!important;color:#254f3b;margin:0 0 16px}.page-home .hero .dot{display:none}.page-home .hero-actions{margin-top:20px}.page-home .hero-actions .text-link{font-weight:650;text-decoration:none;border:1px solid #9aabb2;border-radius:14px;min-height:56px!important;padding:12px}.page-home .hero-actions .btn{border-radius:14px}.page-home .hero .hero-copy{padding-top:24px}.page-home .quote-section{background:#eef2ed;border:1px solid #d5dfd5;border-radius:20px;padding:24px 18px;margin-top:24px}.quote-copy h2{font-size:30px!important;line-height:1.2!important}.phone-quote-hint{font-weight:500;color:#43535f}.quote-explainer{display:none}.quote-choices{gap:12px!important}#quote-picker .quote-choices button{min-height:96px!important;padding:16px!important}#quote-picker .quote-choice-copy strong{font-size:21px}#quote-picker .quote-choices button i{display:none}#quote-specific .quote-choices button{min-height:64px!important}.quote-specific{margin-top:16px}.quote-preparation-help{display:none}.quote-section.is-open{padding:18px 10px;background:#f6f8f3}.quote-steps{gap:6px;margin-bottom:22px;padding-bottom:18px}.quote-steps li{display:flex;flex-direction:column;align-items:flex-start;gap:7px;font-size:18px!important}.quote-steps b{width:30px;height:30px}.quote-section.is-open .intake-tools{display:flex;flex-direction:column;align-items:stretch;gap:0}.intake-tools .text-link{border:0!important;padding:12px 0!important;min-height:52px!important;text-decoration:underline;background:none!important}.callback-form{gap:8px;margin-top:20px}.callback-form>p{margin-top:4px}.callback-form label{margin-top:16px}.callback-form input{scroll-margin-top:115px}.phone-overview{padding-top:32px}.phone-destinations{border-radius:14px}.phone-destinations a{padding:18px}.phone-destinations strong{font-size:21px}.phone-destinations span{font-size:18px}.header nav{padding:8px 18px}.header nav a[aria-current="page"]{font-weight:700;background:#f0f4ec;border-radius:8px}.phone-quote-hint{font-size:18px!important}}
@media(max-width:360px){.quote-steps li{font-size:16px!important}#quote-picker .quote-choice-copy strong{font-size:20px}}

/* A quiet, always-visible indication of reading progress across every page. */
.site-scroll-progress{position:fixed;z-index:80;top:0;left:0;right:0;height:4px;background:rgb(255 255 255 / .68);pointer-events:none}.site-scroll-progress>span{display:block;width:100%;height:100%;background:#176b93;transform:scaleX(var(--scroll-progress,0));transform-origin:left center;transition:transform .12s linear}
.chat-launcher{--chat-reveal:1;--chat-float-offset:0px;background:#176b93;border-color:#176b93;color:#fff;box-shadow:0 10px 24px rgb(23 107 147 / .25);transition:opacity .28s ease,transform .32s cubic-bezier(.2,.75,.25,1),visibility .32s ease}
html.scroll-ui-ready .chat-launcher:not(.is-scroll-ready){visibility:hidden;opacity:0;pointer-events:none;transform:translateY(18px)}
html.scroll-ui-ready .chat-launcher.is-scroll-ready{opacity:var(--chat-reveal);transform:translateY(var(--chat-float-offset));}
@media(max-width:760px){.chat-launcher{position:fixed;z-index:36;right:16px;bottom:calc(92px + env(safe-area-inset-bottom,0px));width:calc(100% - 32px);min-height:58px;margin:0;padding:14px 18px;border-radius:16px;justify-content:center;font-size:19px!important;font-weight:700;letter-spacing:.005em}.chat-launcher i{display:block!important}.chat-launcher span{display:inline!important}.chat-launcher b{display:none!important}html.scroll-ui-ready .chat-launcher:not(.is-scroll-ready){transform:translateY(14px)}}
@media(prefers-reduced-motion:reduce){.site-scroll-progress>span,.chat-launcher{transition:none!important}}

html{scroll-behavior:auto}.embedded-intake.contact-pending #quote-description{display:none}.embedded-intake.contact-pending .intake-heading{border:0;padding-bottom:0;margin-bottom:4px}#quote-next{scroll-margin-top:96px}@media(max-width:760px){.page-home .hero .eyebrow{color:#254f3b!important}.quote-section.is-open .intake-tools{flex-direction:row;align-items:center;justify-content:space-between;gap:12px;margin-top:0}.intake-tools .text-link{font-size:18px!important;white-space:normal}.callback-form>p{margin:0}.callback-form{margin-top:14px}#quote-contact-form h4{font-size:23px;margin:0 0 4px}}

@media(max-width:760px){#quote-next{scroll-margin-top:16px}.quote-section.is-open .intake-tools{flex-wrap:nowrap}.quote-section.is-open .intake-tools>.text-link{width:auto;flex:0 1 auto}}

/* The homepage has one shopping path, supported by real agency people. */
.page-home .hero{background:#f7f5ef;border:1px solid #dce2d8;box-shadow:none;gap:32px;align-items:center}.page-home .hero h1{color:#102b36!important;font-size:clamp(40px,4.4vw,64px)!important;line-height:1.12!important}.page-home .campaign-heading span{display:block;color:#254f3b;margin-top:8px}.page-home .hero .hero-copy>p{color:#43535f!important}.page-home .hero .eyebrow{color:#254f3b!important}.page-home .hero .hero-copy .campaign-note{font-size:18px!important;line-height:1.5!important;margin-top:18px}.page-home .hero-actions .text-link{color:#102b36!important}.page-home .agency-portrait{display:block;position:relative;min-height:0;height:100%;max-height:580px;margin:24px 24px 24px 0;border-radius:18px;overflow:hidden;background:#dce5d9;text-decoration:none;color:#102b36}.page-home .agency-portrait>img{display:block;width:100%;height:100%;min-height:420px;object-fit:cover;object-position:center top}.agency-caption{position:absolute;bottom:20px;left:20px;right:20px;padding:18px 22px;background:#fffefa;border-radius:12px}.agency-caption strong,.agency-caption span{display:block}.agency-caption strong{font-size:25px;line-height:1.3}.agency-caption span{font-size:18px;line-height:1.5;margin-top:6px;color:#254f3b}.page-home .quote-section{margin-top:32px}.page-home .quote-copy h2{font-size:38px}.page-home .team-section{display:block;padding-top:48px}.page-home .team-section .eyebrow{display:none}.page-home .team-intro{max-width:680px}.page-home #quick-inquiry:not(.phone-revealed){display:none}.page-home .hero-actions .btn{border-radius:14px}
@media(max-width:760px){.page-home .hero{display:grid;grid-template-columns:1fr;gap:18px;border:0;background:transparent;margin-top:12px;padding:0 8px}.page-home .hero .hero-copy{padding:18px 0 0}.page-home .hero h1{font-size:36px!important;line-height:1.15!important}.page-home .hero .hero-copy>p:not(.eyebrow):not(.campaign-note){margin-top:16px}.page-home .hero .eyebrow{font-size:16px!important;line-height:1.5!important;letter-spacing:.025em!important;margin:0 0 14px}.page-home .hero-actions{gap:10px;margin-top:20px}.page-home .hero .hero-copy .campaign-note{margin-top:12px;font-size:18px!important}.page-home .agency-portrait{display:grid;grid-template-columns:96px minmax(0,1fr);height:auto;max-height:none;margin:0;border:1px solid #c4d0c4;background:#fffefa;border-radius:14px;align-items:center}.page-home .agency-portrait>img{width:96px;height:132px;min-height:0;object-fit:cover}.agency-caption{position:static;min-width:0;padding:14px 16px;background:transparent;border-radius:0}.agency-caption strong{font-size:21px}.agency-caption span{font-size:18px;line-height:1.4;margin-top:7px}.page-home .quote-section{margin-top:24px}.page-home .quote-copy h2{font-size:29px!important}.page-home .team-section{display:block;padding-top:36px}.page-home .team-section h2{font-size:29px!important}.page-home .team-intro{display:block;margin:14px 0 20px}.page-home .team-grid{gap:12px}.page-home .team-card{background:#fffefa}.page-home #services{padding-top:36px}.page-home .mobile-actions a:last-child{font-size:18px}.page-home .quote-panel .panel-heading{display:none}}
@media(max-width:360px){.page-home .hero h1{font-size:32px!important}.agency-caption{padding:12px}.agency-caption strong{font-size:20px}.agency-caption span{font-size:18px}}
.page-home .agency-portrait::before,.page-home .agency-portrait::after{display:none}.page-home .agency-portrait>img{position:static;inset:auto;transform:none}.page-home .hero .hero-copy>p.eyebrow{color:#254f3b!important}@media(max-width:760px){.page-home .agency-portrait>img{grid-column:1;grid-row:1}.page-home .agency-caption{grid-column:2;grid-row:1}}

.page-home #quote-continue,.page-home .quote-preparation-help{display:none}

/* Progressive same-origin page fades: no navigation delay or client-side router. */
@view-transition{navigation:auto}
::view-transition-old(root){animation:mli-page-out 210ms cubic-bezier(.4,0,1,1) both}
::view-transition-new(root){animation:mli-page-in 360ms cubic-bezier(.16,1,.3,1) both}
@keyframes mli-page-out{to{opacity:0;transform:translateY(-5px)}}
@keyframes mli-page-in{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:translateY(0)}}
@media(prefers-reduced-motion:no-preference){
 body{animation:mli-document-in 300ms cubic-bezier(.16,1,.3,1) both}
 @keyframes mli-document-in{from{opacity:0;transform:translateY(7px)}to{opacity:1;transform:translateY(0)}}
}
@media(prefers-reduced-motion:reduce){
 @view-transition{navigation:none}
 ::view-transition-old(root),::view-transition-new(root){animation:none!important}
 body{animation:none!important}
}

.sound-control{font:inherit;color:#254f3b;text-decoration:underline;text-underline-offset:4px;cursor:pointer}.sound-control-menu{display:none!important}
@media(max-width:760px){.header nav .sound-control-menu{display:flex!important;align-items:center;min-height:56px!important;width:100%;padding:14px 10px;margin-top:8px;border-top:1px solid #c5cfd5;text-align:left;font-size:18px;background:transparent;border-radius:0}}

/* Calm wayfinding: section links settle below the header and controls respond without abrupt jumps. */
html{scroll-behavior:smooth;scroll-padding-top:118px}
main [id],footer [id]{scroll-margin-top:118px}
.header{transition:background-color .2s ease,box-shadow .2s ease,border-color .2s ease}
.header nav a,.mobile-actions a,.chat-launcher,.text-link{transition:color .18s ease,background-color .18s ease,border-color .18s ease,box-shadow .18s ease,transform .18s ease}
@media(hover:hover) and (prefers-reduced-motion:no-preference){
 .header nav a:hover{transform:translateY(-1px)}
 .mobile-actions a:hover,.chat-launcher:hover{transform:translateY(-2px)}
 .text-link:hover{transform:translateX(2px)}
}
@media(max-width:760px){html{scroll-padding-top:96px}main [id],footer [id]{scroll-margin-top:96px}.mobile-actions a:active,.chat-launcher:active{transform:scale(.985)}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}

/* Make the savings promise easy to understand before the quote form begins. */
.home-reassurance{display:grid;grid-template-columns:minmax(0,.82fr) minmax(0,1.18fr) auto;gap:30px;align-items:end;margin-top:28px;padding:30px 32px;border-top:1px solid #d6dfda;border-bottom:1px solid #d6dfda}.home-reassurance h2{margin-top:8px;font-size:29px;letter-spacing:-1.1px}.home-reassurance-intro>p:not(.eyebrow){max-width:395px;margin-top:10px;color:#43535f;font-size:16px;line-height:1.55}.home-reassurance-list{display:grid;gap:0;list-style:none;margin:0;padding:0}.home-reassurance-list li{display:grid;grid-template-columns:34px minmax(0,1fr);gap:12px;padding:12px 0;border-bottom:1px solid #d6dfda}.home-reassurance-list li:first-child{padding-top:0}.home-reassurance-list li:last-child{padding-bottom:0;border-bottom:0}.home-reassurance-list b{font-size:13px;letter-spacing:.08em;color:#176b93}.home-reassurance-list strong,.home-reassurance-list span{display:block}.home-reassurance-list strong{font-size:17px;line-height:1.4;color:#173a2a}.home-reassurance-list span{margin-top:3px;color:#52626c;font-size:15px;line-height:1.45}.home-reassurance-link{align-self:center;white-space:nowrap;color:#254f3b;font-size:16px;font-weight:650}
@media(max-width:900px){.home-reassurance{grid-template-columns:1fr 1fr}.home-reassurance-link{grid-column:1/-1;justify-self:start}}
@media(max-width:760px){.home-reassurance{display:block;margin-top:22px;padding:24px 20px;border:1px solid #d6dfda;border-radius:16px;background:#f8faf7}.home-reassurance h2{font-size:28px!important;line-height:1.2}.home-reassurance-intro>p:not(.eyebrow){font-size:18px;line-height:1.5}.home-reassurance-list{margin-top:20px;border-top:1px solid #d6dfda}.home-reassurance-list li{grid-template-columns:34px minmax(0,1fr);padding:15px 0}.home-reassurance-list li:first-child{padding-top:15px}.home-reassurance-list strong{font-size:18px}.home-reassurance-list span{font-size:16px;line-height:1.5}.home-reassurance-link{display:flex;align-items:center;min-height:52px;margin-top:12px;font-size:18px}}

.shopping-steps{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.2fr) auto;gap:28px;align-items:end;margin-top:28px;padding:28px 32px;border:1px solid #d9e2dd;border-radius:18px;background:#fffefa}.shopping-steps h2{font-size:29px;margin-top:7px;letter-spacing:-1.15px}.shopping-steps-copy>p:not(.eyebrow){max-width:440px;margin-top:10px;color:#43535f;font-size:16px;line-height:1.55}.shopping-steps-list{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;padding:0;margin:0;list-style:none}.shopping-steps-list li{display:grid;grid-template-columns:31px minmax(0,1fr);gap:10px;align-items:start}.shopping-steps-list b{display:grid;place-items:center;width:31px;height:31px;border-radius:50%;background:#e8f1f4;color:#176b93;font-size:14px}.shopping-steps-list strong,.shopping-steps-list span{display:block}.shopping-steps-list strong{font-size:16px;line-height:1.32}.shopping-steps-list span{margin-top:5px;color:#52626c;font-size:14px;line-height:1.45}.shopping-steps-link{align-self:center;white-space:nowrap;color:#102b36;font-size:16px}
@media(max-width:900px){.shopping-steps{grid-template-columns:1fr;gap:22px}.shopping-steps-list{grid-template-columns:repeat(3,minmax(0,1fr))}.shopping-steps-link{justify-self:start}}
@media(max-width:760px){.shopping-steps{display:block;margin-top:24px;padding:24px 20px;border-radius:16px}.shopping-steps h2{font-size:28px!important}.shopping-steps-copy>p:not(.eyebrow){font-size:18px;line-height:1.5}.shopping-steps-list{display:grid;grid-template-columns:1fr;gap:0;margin-top:18px;border-top:1px solid #d9e2dd}.shopping-steps-list li{padding:15px 0;border-bottom:1px solid #d9e2dd}.shopping-steps-list strong{font-size:18px}.shopping-steps-list span{font-size:16px}.shopping-steps-link{min-height:48px;margin-top:14px;font-size:18px}}

/* Reassure visitors about the human follow-up after they begin a request. */
.next-steps{display:grid;grid-template-columns:minmax(0,.86fr) minmax(0,1.14fr);gap:46px;margin-top:44px;padding:38px 42px;border-radius:20px;background:#edf4f6;border:1px solid #d8e5e9}.next-steps h2{font-size:34px;letter-spacing:-1.35px;margin-top:8px}.next-steps>div>p:not(.eyebrow){max-width:430px;color:#43535f;font-size:16px;line-height:1.6;margin-top:12px}.next-steps ol{display:grid;gap:0;list-style:none;padding:0;margin:0}.next-steps li{display:grid;grid-template-columns:43px minmax(0,1fr);gap:16px;padding:17px 0;border-bottom:1px solid #cadbdf}.next-steps li:first-child{padding-top:0}.next-steps li:last-child{padding-bottom:0;border-bottom:0}.next-steps li b{color:#176b93;font-size:13px;letter-spacing:.08em}.next-steps li strong,.next-steps li span{display:block}.next-steps li strong{font-size:18px;line-height:1.35}.next-steps li span{color:#52626c;font-size:15px;line-height:1.5;margin-top:4px}.next-steps-note{grid-column:1/-1;margin:0;color:#52626c;font-size:14px}
@media(max-width:760px){.next-steps{display:block;margin-top:32px;padding:27px 20px;border-radius:16px}.next-steps h2{font-size:29px!important}.next-steps>div>p:not(.eyebrow){font-size:18px;line-height:1.5}.next-steps ol{margin-top:22px}.next-steps li{grid-template-columns:39px minmax(0,1fr);gap:10px;padding:16px 0}.next-steps li strong{font-size:18px}.next-steps li span{font-size:16px}.next-steps-note{margin-top:18px;font-size:16px;line-height:1.5}}

/* Answer the most common questions without making people leave the shopping path. */
.home-answers{display:grid;grid-template-columns:minmax(0,.78fr) minmax(0,1.22fr);gap:64px;margin-top:56px;padding:40px 0 4px;border-top:1px solid #d9e2dd}.home-answers h2{font-size:34px;letter-spacing:-1.35px;margin-top:8px}.home-answers-copy>p:not(.eyebrow){margin-top:12px;color:#43535f;font-size:16px;line-height:1.6;max-width:420px}.home-answers-copy .text-link{margin-top:20px;color:#102b36;font-size:16px}.home-answers-list details{border-color:#cbd8dc}.home-answers-list summary{font-size:18px;line-height:1.45;padding:19px 0}.home-answers-list details p{font-size:16px;line-height:1.62;color:#43535f;padding-bottom:20px;max-width:650px}
@media(max-width:760px){.home-answers{display:block;margin-top:38px;padding-top:28px}.home-answers h2{font-size:29px!important}.home-answers-copy>p:not(.eyebrow){font-size:18px;line-height:1.5}.home-answers-copy .text-link{min-height:48px;font-size:18px;margin-top:14px}.home-answers-list{margin-top:18px}.home-answers-list summary{font-size:19px;line-height:1.42;padding:18px 0}.home-answers-list details p{font-size:17px;line-height:1.55;padding-bottom:19px}}

/* Make the carrier choice clear before visitors begin the quote path. */
.carrier-value{display:grid;grid-template-columns:minmax(0,.92fr) minmax(0,1.08fr);gap:46px;align-items:start;margin-top:42px;padding:38px 42px;border:1px solid #d8e5df;border-radius:20px;background:#f1f6f2}.carrier-value h2{margin-top:8px;font-size:34px;letter-spacing:-1.35px}.carrier-value>div>p:not(.eyebrow){max-width:470px;margin-top:14px;color:#43535f;font-size:17px;line-height:1.6}.carrier-value ul{display:grid;gap:0;list-style:none;margin:0;padding:0}.carrier-value li{padding:16px 0;border-bottom:1px solid #cbddd3}.carrier-value li:first-child{padding-top:0}.carrier-value li:last-child{padding-bottom:0;border-bottom:0}.carrier-value strong,.carrier-value span{display:block}.carrier-value strong{font-size:18px;line-height:1.38;color:#173a2a}.carrier-value span{margin-top:4px;font-size:16px;line-height:1.5;color:#52626c}
@media(max-width:760px){.carrier-value{display:block;margin-top:28px;padding:27px 20px;border-radius:16px}.carrier-value h2{font-size:29px!important}.carrier-value>div>p:not(.eyebrow){font-size:18px;line-height:1.5}.carrier-value ul{margin-top:22px}.carrier-value li{padding:16px 0}.carrier-value strong{font-size:18px}.carrier-value span{font-size:16px;line-height:1.52}}

/* Give visitors a clear route when they do not know which coverage category fits. */
.shopping-steps-actions{display:flex;flex-direction:column;align-items:flex-start;gap:10px}.shopping-steps-actions .shopping-steps-link{margin:0}.shopping-steps-actions .shopping-steps-link:last-child{color:#254f3b}
@media(max-width:900px){.shopping-steps-actions{flex-direction:row;flex-wrap:wrap;gap:14px 24px}}
@media(max-width:760px){.shopping-steps-actions{display:grid;grid-template-columns:1fr;margin-top:14px;gap:0}.shopping-steps-actions .shopping-steps-link{width:100%;margin:0}.shopping-steps-actions .shopping-steps-link:last-child{border-top:1px solid #d9e2dd}}

/* Keep the guided route visible with the first call to action. */
.page-home .hero-actions .hero-help-link{color:#254f3b!important;font-weight:700}
@media(max-width:760px){.page-home .hero-actions .hero-help-link{display:flex;align-items:center;justify-content:center;min-height:56px!important;border:1px solid #9aabb2;border-radius:14px;padding:12px;text-decoration:none;background:#fffefa}.page-home .hero-actions .hero-help-link::after{content:'→';margin-left:10px}}


/* Policy review path: a clear, low-pressure option for existing clients. */
.policy-review-prompt{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:44px;margin-top:42px;padding:38px 42px;border:1px solid #d6e0e5;border-radius:20px;background:linear-gradient(120deg,#f4f8f8 0%,#eef5f8 100%)}
.policy-review-copy h2{max-width:490px;margin-top:8px;font-size:34px;letter-spacing:-1.35px}.policy-review-copy>p:not(.eyebrow){max-width:500px;margin-top:13px;color:#43535f;font-size:17px;line-height:1.6}.policy-review-actions{display:flex;flex-wrap:wrap;align-items:center;gap:16px 22px;margin-top:24px}.policy-review-actions .text-link{font-size:16px;color:#102b36}.policy-review-list{display:grid;gap:0;align-self:center;list-style:none;margin:0;padding:0}.policy-review-list li{display:grid;grid-template-columns:42px minmax(0,1fr);gap:14px;padding:16px 0;border-bottom:1px solid #cbdde0}.policy-review-list li:first-child{padding-top:0}.policy-review-list li:last-child{padding-bottom:0;border-bottom:0}.policy-review-list b{font-size:13px;letter-spacing:.08em;color:#176b93}.policy-review-list strong,.policy-review-list span{display:block}.policy-review-list strong{font-size:18px;line-height:1.38;color:#173a2a}.policy-review-list span{margin-top:4px;color:#52626c;font-size:16px;line-height:1.5}.policy-review-note{grid-column:1/-1;margin:0;color:#52626c;font-size:14px}
@media(max-width:760px){.policy-review-prompt{display:block;margin-top:28px;padding:27px 20px;border-radius:16px}.policy-review-copy h2{font-size:29px!important;line-height:1.2}.policy-review-copy>p:not(.eyebrow){font-size:18px;line-height:1.5}.policy-review-actions{display:grid;grid-template-columns:1fr;gap:10px;margin-top:20px}.policy-review-actions .btn{width:100%;justify-content:center;min-height:54px}.policy-review-actions .text-link{display:flex;align-items:center;min-height:48px;font-size:18px}.policy-review-list{margin-top:24px;border-top:1px solid #cbdde0}.policy-review-list li{grid-template-columns:38px minmax(0,1fr);gap:10px;padding:16px 0}.policy-review-list li:first-child{padding-top:16px}.policy-review-list strong{font-size:18px}.policy-review-list span{font-size:16px;line-height:1.52}.policy-review-note{margin-top:18px;font-size:15px;line-height:1.5}}