/* Layout adapted from Goals Finance; brand palette sampled from the supplied Montana Legacy Insurance logo PDF. */
:root{--page-bg:#fbfaf7;--screen-bg:#f2f4f5;--ink:#081b29;--gray:#5e6b75;--dark-card:#081b29;--green:#217caa;--green-bright:#217caa;--green-dark:#284b2b;--orange:#c5a65c;--blue:#217caa;--track:#e6ebed;--line:#dfe5e7}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:105px}body{margin:0;background:var(--page-bg);color:var(--ink);font-family:Arial,Helvetica,system-ui,sans-serif;-webkit-font-smoothing:antialiased}button,input{font:inherit}button,a{-webkit-tap-highlight-color:transparent}button{cursor:pointer}a{color:inherit;text-decoration:none}p{line-height:1.65}button{color:inherit}img{max-width:100%;display:block}svg{width:24px;height:24px;fill:none;stroke:currentColor;stroke-width:1.6;stroke-linecap:round;stroke-linejoin:round}h1,h2,h3,h4,p{margin:0}button:focus-visible,a:focus-visible,summary:focus-visible,input:focus-visible{outline:3px solid #217caa;outline-offset:4px}button{border:0}.wrap{max-width:1336px;margin-left:auto;margin-right:auto}.topline{padding:10px max(36px,calc((100vw - 1336px)/2));background:#eef3f6;font-size:12px;display:flex;justify-content:space-between;color:#284b2b}.topline a{font-weight:600}.header{height:96px;padding:0 max(36px,calc((100vw - 1336px)/2));display:flex;align-items:center;gap:32px;background:rgba(250,250,248,.97);position:sticky;top:0;z-index:20;border-bottom:1px solid #e8e9e4}.brand{margin-right:auto;width:150px;height:78px;overflow:hidden;display:flex;align-items:center}.brand img{width:150px;max-height:78px;object-fit:contain}.header nav{display:flex;gap:30px;align-items:center;font-size:13px;font-weight:600}.header nav a:hover{color:var(--green-dark)}.btn{min-height:52px;padding:17px 24px;border-radius:999px;display:inline-flex;align-items:center;justify-content:center;gap:30px;font-size:14px;font-weight:600;line-height:1.25;transition:background .18s,transform .18s}.btn:hover{transform:translateY(-2px)}.btn span{font-size:20px;line-height:.8}.small{min-height:44px;padding:13px 20px;gap:24px}.dark{background:var(--dark-card);color:white}.dark:hover{background:#17374c}.green{background:var(--green);color:#ffffff}.green:hover{background:#18648c}.menu{display:none}.text-link{font-size:13px;font-weight:600;display:inline-flex;align-items:center;gap:12px;text-decoration:none}.text-link:hover{text-decoration:underline}.light{color:#eeefed}.hero{margin-top:28px;display:grid;grid-template-columns:1fr 1fr;min-height:586px;background:var(--dark-card);border-radius:32px;padding:18px;overflow:hidden;gap:20px}.hero-copy{padding:46px 26px 35px 40px}.eyebrow{font-size:10px;font-weight:700;letter-spacing:1.7px;line-height:1.6}.hero .eyebrow{color:#c7d7df;display:flex;gap:10px;align-items:center}.dot{width:6px;height:6px;border-radius:50%;display:inline-block;background:#c5a65c;flex-shrink:0}h1{font-size:clamp(48px,5.1vw,74px);letter-spacing:-3.6px;font-weight:500;line-height:1.04;color:#fffefa;margin-top:25px}h1 span{color:var(--green)}.hero-copy>p{color:#c2cfd7;font-size:15px;max-width:395px;margin-top:23px}.hero-actions{display:flex;flex-wrap:wrap;align-items:center;gap:22px;margin-top:28px}.hero-note{display:flex;align-items:center;gap:13px;color:#bccbd4;font-size:11px;line-height:1.7;margin-top:33px}.hero-note strong{font-weight:500;color:#f5f8fa}.shield{border:1px solid #577181;border-radius:50%;width:33px;height:33px;display:grid;place-items:center;color:#c5a65c}.hero-visual{position:relative;border-radius:22px;overflow:hidden;min-height:545px}.hero-visual>img{width:100%;height:100%;position:absolute;object-fit:cover;object-position:58% center}.hero-visual:after{content:'';position:absolute;inset:0;background:linear-gradient(180deg,transparent 35%,#081b2966);pointer-events:none}.photo-caption{position:absolute;left:24px;top:24px;border:1px solid #ffffff60;background:#081b2953;padding:10px 14px;border-radius:99px;color:white;font-size:9px;letter-spacing:1.6px;display:flex;gap:9px;align-items:center;z-index:1}.plan-card{position:absolute;bottom:24px;left:24px;right:24px;z-index:1;padding:20px;background:#fffdf8f2;backdrop-filter:blur(12px);border-radius:23px;box-shadow:0 16px 32px #1113}.plan-top{display:flex;align-items:center;gap:12px}.plan-top strong{font-size:14px;display:block}.plan-top div>span{font-size:11px;color:var(--gray);display:block;margin-top:5px}.icon-tile{width:46px;height:46px;display:grid;place-items:center;border-radius:15px;flex-shrink:0}.mint{background:#e7eee3;color:#284b2b}.peach{background:#f5efdf;color:#806828}.sand{background:#edf0e4;color:#516b25}.blue{background:#e7f1f7;color:#217caa}.lilac{background:#edf1ec;color:#284b2b}.plan-check{margin-left:auto;font-size:12px;background:#e4eddc;color:#284b2b;width:25px;height:25px;border-radius:50%;display:grid;place-items:center}.plan-tags{display:flex;gap:6px;margin:18px 0 13px}.plan-tags span{padding:6px 10px;border:1px solid #dde4e8;border-radius:99px;font-size:10px;color:#5e6b75}.plan-track{display:flex;height:5px;gap:4px}.plan-track i{width:33%;background:#217caa;border-radius:10px}.plan-track i:nth-child(2){background:#516b25}.plan-track i:nth-child(3){background:#c5a65c}.plan-bottom{display:flex;align-items:center;justify-content:space-between;font-size:10px;color:#5e6b75;margin-top:13px}.plan-bottom a{background:#081b29;color:white;width:27px;height:27px;border-radius:50%;display:grid;place-items:center;font-size:15px}.trustline{padding:28px 35px;border-bottom:1px solid var(--line);display:flex;justify-content:space-between;gap:20px;font-size:12px;color:#536676}.trustline span{display:flex;align-items:center;gap:10px}.trustline svg{width:18px;height:18px}.section{padding-top:88px;padding-bottom:10px}.section-head{display:flex;align-items:end;justify-content:space-between;margin-bottom:30px;gap:25px}.section .eyebrow{color:#284b2b}h2{font-size:40px;font-weight:500;line-height:1.16;letter-spacing:-1.8px;margin-top:12px}.section-head>p{font-size:13px;color:var(--gray)}.coverage-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:12px}.coverage-card{border:1px solid var(--line);border-radius:23px;background:white;padding:20px;text-align:left;display:flex;flex-direction:column;transition:background .18s,border-color .18s}.coverage-card:hover{border-color:#7c9472}.coverage-card.active{background:#eef3e8;border-color:#85996a}.card-index{font-size:10px;color:#60707b;display:flex;justify-content:space-between;align-items:center;margin-bottom:25px}.card-index>span{font-size:18px}.coverage-card strong{font-size:18px;margin-top:22px;font-weight:600;letter-spacing:-.5px}.coverage-card>span:last-child{font-size:11px;line-height:1.6;color:#5e6b75;margin-top:8px;max-width:150px}.coverage-detail{display:grid;grid-template-columns:1.3fr 1fr;gap:50px;border:1px solid var(--line);border-radius:24px;margin-top:14px;padding:32px 36px;background:#f2f4f5}.tag{display:inline-block;color:#516b25;font-weight:700;font-size:9px;letter-spacing:1.4px}.coverage-detail h3{font-size:25px;font-weight:500;letter-spacing:-.8px;margin-top:10px}.coverage-detail p{font-size:13px;color:#5e6b75;margin-top:12px;max-width:520px}.coverage-detail>div:last-child{display:flex;flex-direction:column;align-items:start;justify-content:center;gap:15px}.coverage-detail ul{display:flex;flex-wrap:wrap;gap:8px 20px;padding:0;margin:0;list-style:none;font-size:11px}.coverage-detail li:before{content:'✓';color:#284b2b;margin-right:7px}.coverage-detail .btn{min-height:43px;padding:13px 20px;font-size:12px}.approach{display:grid;grid-template-columns:1fr 1fr;gap:85px;align-items:center}.approach-photo{position:relative;border-radius:28px;overflow:hidden;height:540px}.approach-photo img{width:100%;height:100%;object-fit:cover;object-position:64% center}.photo-label{position:absolute;bottom:24px;left:24px;right:24px;color:white;font-size:21px;font-weight:500;letter-spacing:-.5px;text-shadow:0 2px 5px #0008}.approach-copy>p:not(.eyebrow){font-size:14px;color:var(--gray);margin-top:20px}.approach-row{display:flex;gap:17px;margin-top:25px}.approach-row>span{display:grid;place-items:center;width:30px;height:30px;border:1px solid #c9d5dc;border-radius:50%;font-size:10px;color:#284b2b;flex-shrink:0}.approach-row h3{font-size:15px;font-weight:600}.approach-row p{font-size:12px;color:var(--gray);margin-top:5px;max-width:390px}.approach-copy>.text-link{margin-top:27px}.quote-section{margin-top:84px;padding:50px 56px;background:#edf3f7;border-radius:30px;display:grid;grid-template-columns:1fr 1fr;gap:85px;align-items:center}.quote-copy>p:not(.eyebrow){font-size:14px;color:#5e6b75;margin-top:20px;max-width:420px}.quote-progress{display:flex;align-items:center;gap:12px;margin-top:32px;max-width:390px}.step{font-size:11px;color:#5e6b75;display:flex;gap:8px;align-items:center}.step b{width:23px;height:23px;border-radius:50%;border:1px solid #b8cbd5;display:grid;place-items:center;font-weight:500}.step.active b{background:#081b29;color:white;border-color:#081b29}.quote-progress>i{height:1px;background:#bcced8;flex:1}.quote-contact{display:flex;align-items:center;gap:13px;margin-top:35px;font-size:11px;color:#5e6b75}.quote-contact a{display:block;font-size:16px;font-weight:600;margin-top:5px;color:#081b29}.quote-contact svg{width:22px;height:22px}.quote-panel{background:#fffefa;border:1px solid white;padding:28px;border-radius:25px;box-shadow:0 10px 35px #081b290b}.panel-heading{display:flex;justify-content:space-between;gap:15px;align-items:center;margin-bottom:20px}.panel-heading h3{font-size:16px;font-weight:600}.panel-heading>span{font-size:10px;color:var(--gray);white-space:nowrap}.quote-choices{display:grid;grid-template-columns:1fr 1fr;gap:8px}.quote-choices button{padding:13px 12px;background:white;display:flex;gap:8px;align-items:center;border:1px solid #dfe5e7;border-radius:13px;font-size:11px;text-align:left;min-height:56px}.quote-choices button svg{width:19px;height:19px;color:#284b2b}.quote-choices button>span{margin-left:auto;color:#647583}.quote-choices button:last-child{grid-column:1/-1}.quote-choices button.selected{border-color:#217caa;background:#e7f1f7}.full{width:100%;margin-top:17px;justify-content:space-between}.fineprint{font-size:10px;color:#5e6b75;text-align:center;margin-top:13px}.quote-panel small{font-size:10px;color:#5e6b75;display:block;line-height:1.5;margin-top:10px}#quote-next{margin-top:18px;border-top:1px solid #dce6eb;padding-top:18px}#quote-next h4{font-size:15px}#quote-next p{font-size:12px;margin:8px 0 13px}#quote-next .btn{width:100%;font-size:12px}.service-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.service-card{padding:28px;border-radius:23px;border:1px solid var(--line);background:white;text-align:left;display:block}.service-card:hover{border-color:#8ca6b5}.service-card h3{font-size:20px;font-weight:500;letter-spacing:-.5px;margin-top:25px}.service-card p{font-size:13px;color:var(--gray);margin-top:12px;max-width:310px}.service-card .text-link{font-size:11px;margin-top:25px}.jessica-banner{margin-top:70px;background:#e9efe2;border:1px solid #d0ddc5;border-radius:25px;padding:32px 36px;display:flex;align-items:center;gap:25px}.jessica-icon{height:68px;width:68px;display:grid;place-items:center;border-radius:21px;background:#fffefa;flex-shrink:0}.jessica-icon svg{width:30px;height:30px;color:#284b2b}.jessica-banner .eyebrow{font-size:9px;color:#284b2b}.jessica-banner h2{font-size:26px;letter-spacing:-1px;margin-top:7px}.jessica-banner p:last-child{font-size:12px;color:#4c604c;margin-top:8px}.jessica-banner .btn{margin-left:auto;white-space:nowrap}.faq{display:grid;grid-template-columns:.8fr 1.2fr;gap:100px}.faq>div>p:not(.eyebrow){font-size:13px;color:var(--gray);margin-top:22px}.faq .text-link{margin-top:8px}details{border-bottom:1px solid var(--line)}details:first-child{border-top:1px solid var(--line)}summary{padding:22px 0;list-style:none;font-size:14px;font-weight:600;cursor:pointer;display:flex;justify-content:space-between;gap:20px}summary::-webkit-details-marker{display:none}summary:after{content:'+';font-size:20px;font-weight:400}details[open] summary:after{content:'−'}details p{font-size:13px;color:var(--gray);padding-bottom:22px;max-width:560px}.contact-section{margin-top:85px;background:var(--dark-card);border-radius:30px;padding:55px 65px;color:white;display:grid;grid-template-columns:1.1fr 1fr;gap:75px}.contact-section .eyebrow{color:#c5a65c}.contact-section h2{font-size:44px;margin-top:17px}.contact-section>div>p:not(.eyebrow){color:#c2cfd7;font-size:13px;margin-top:18px}.contact-section .btn{margin-top:26px}.contact-details{display:flex;flex-direction:column;gap:24px;padding-top:8px}.contact-details>div{display:flex;gap:17px}.contact-details svg{width:20px;height:20px;color:#c5a65c}.contact-details h3{font-weight:500;font-size:14px;margin-bottom:7px}.contact-details p,.contact-details a{font-size:12px;color:#c2cfd7;line-height:1.8;overflow-wrap:anywhere}.contact-details a{display:inline-block;margin-top:5px;color:#b4d9ee}.contact-details a:hover{text-decoration:underline}footer{padding-top:43px;padding-bottom:34px}.footer-top{display:flex;align-items:center;justify-content:space-between;gap:20px}.footer-brand{font-size:15px;font-weight:700;letter-spacing:.5px}.footer-brand span{display:block;font-size:9px;letter-spacing:4px;color:#536676;margin-top:4px}.footer-top>p{font-size:12px;color:var(--gray)}.footer-top .text-link{font-size:11px}.footer-bottom{margin-top:27px;border-top:1px solid var(--line);padding-top:20px;display:flex;gap:20px;align-items:center;justify-content:space-between;font-size:10px;color:var(--gray)}.footer-bottom button{background:transparent;font-size:10px;padding:0}.chat-launcher{position:fixed;right:25px;bottom:24px;z-index:25;display:flex;gap:10px;align-items:center;background:#081b29;color:white;border:1px solid #365468;border-radius:99px;padding:15px 20px;box-shadow:0 8px 25px #0002;font-size:12px}.chat-launcher svg{width:19px;height:19px;color:#c5a65c}.chat-launcher b{font-weight:400;color:#c5a65c}.icon-button{background:transparent;width:36px;height:36px;display:grid;place-items:center;border-radius:50%;font-size:25px}.icon-button:hover{background:#edf3f7}.menu{display:none}dialog{border:1px solid var(--line);border-radius:25px;padding:0;background:#fffefa;color:var(--ink);box-shadow:0 30px 100px #0003}dialog::backdrop{background:#081b2966;backdrop-filter:blur(3px)}.chat-dialog{width:390px;max-width:calc(100vw - 24px);margin: auto 24px 24px auto;max-height:calc(100dvh - 35px)}.chat-header{display:flex;align-items:center;gap:12px;padding:20px;border-bottom:1px solid var(--line)}.chat-header h2{margin:0;font-size:17px;font-weight:600;letter-spacing:-.3px}.chat-header p{font-size:10px;color:var(--gray);margin-top:4px}.chat-header .dot{width:5px;height:5px;margin-right:4px}.chat-header .icon-button{margin-left:auto}.chat-messages{height:270px;overflow:auto;padding:20px;display:flex;flex-direction:column;gap:12px}.message{font-size:12px;line-height:1.6;padding:12px 15px;border-radius:16px;max-width:94%}.bot{background:#edf3f7;align-self:flex-start}.user{background:#081b29;color:#fff;align-self:flex-end}.message a{font-weight:600;text-decoration:underline;display:inline-block;margin-top:8px}.chat-options{display:flex;flex-wrap:wrap;gap:6px;padding:0 20px 16px}.chat-options button{border:1px solid #c5d7e1;border-radius:99px;font-size:10px;background:#fff;padding:8px 11px}.chat-options button:hover{background:#e7f1f7}#chat-form{margin:0 20px;display:flex;border:1px solid #d6e1e7;border-radius:99px;padding:5px;background:white}#chat-input{border:0;min-width:0;background:transparent;padding:8px 12px;font-size:12px;flex:1}#chat-form button{background:#081b29;color:white;width:34px;height:34px;font-size:20px}.chat-disclaimer{font-size:9px;line-height:1.5;color:var(--gray);padding:12px 23px 20px}.info-dialog{padding:35px;width:550px;max-width:calc(100vw - 32px);max-height:calc(100dvh - 40px)}.info-dialog h2{font-size:28px;margin-top:0;padding-right:25px}.info-dialog p,.info-dialog li{font-size:14px;line-height:1.8;margin-top:15px;color:var(--gray)}.info-dialog ol{padding-left:20px}.info-dialog .btn{margin-top:20px}.close-info{position:absolute;right:12px;top:12px}.skip{position:absolute;left:15px;top:-80px;background:white;padding:15px;z-index:100}.skip:focus{top:10px}.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap}[hidden]{display:none!important}
@media(min-width:1500px){.hero{min-height:610px}.hero-copy{padding-top:52px}}
@media(max-width:1408px){.wrap{margin-left:36px;margin-right:36px}.hero-copy{padding-left:26px}h1{font-size:66px}.approach{gap:55px}.quote-section{gap:50px;padding:40px}.coverage-card{padding:17px}.header nav{gap:22px}}
@media(max-width:1050px){.header{gap:20px}.header nav{gap:16px;font-size:11px}.header .small{font-size:11px;gap:14px}.hero{gap:10px;min-height:530px}.hero-copy{padding:34px 16px}h1{font-size:54px;letter-spacing:-2.5px}.hero-visual{min-height:490px}.hero-copy>p{font-size:13px}.hero-actions{gap:20px}.hero-actions>.text-link{font-size:11px}.hero .eyebrow{font-size:8px}.plan-card{left:15px;right:15px;bottom:15px;padding:17px}.plan-top strong{font-size:12px}.plan-tags{flex-wrap:wrap}.trustline{font-size:10px;padding-left:5px;padding-right:5px}.coverage-grid{gap:9px}.coverage-card strong{font-size:16px}.coverage-card>span:last-child{font-size:10px}.approach{gap:35px}.approach-photo{height:540px}h2{font-size:34px}.quote-section{gap:30px;padding:35px}.quote-panel{padding:22px}.quote-choices{grid-template-columns:1fr}.quote-choices button:last-child{grid-column:auto}.faq{gap:50px}.jessica-banner h2{font-size:22px}.jessica-banner{padding:26px;gap:17px}.jessica-banner .btn{gap:15px;font-size:12px}.contact-section{padding:40px;gap:35px}}
@media(max-width:760px){.wrap{margin-left:20px;margin-right:20px}.topline{padding:9px 20px;font-size:10px}.topline>span{max-width:180px}.topline a{font-size:9px;text-align:right;align-self:center}.header{height:78px;padding:0 20px;gap:10px}.brand{height:65px;width:120px}.brand img{width:120px;max-height:65px}.header .small{min-height:39px;padding:11px 16px;font-size:11px;gap:16px}.menu{display:grid;font-size:20px;width:32px}.header nav{display:none;position:absolute;left:20px;right:20px;top:78px;background:#fffefa;padding:20px;border:1px solid var(--line);border-radius:18px;box-shadow:0 15px 20px #0001;flex-direction:column;align-items:stretch;gap:0}.header nav.open{display:flex}.header nav a{padding:14px 10px;font-size:14px}.hero{grid-template-columns:1fr;padding:12px;border-radius:26px;margin-top:18px;gap:10px}.hero-copy{padding:26px 14px 20px}.hero .eyebrow{font-size:8px;letter-spacing:1.2px}h1{font-size:48px;letter-spacing:-2.4px;margin-top:22px}.hero-copy>p{max-width:340px;font-size:13px;margin-top:20px}.hero-actions{margin-top:23px;gap:16px}.hero .btn{font-size:12px;min-height:48px;padding:15px 21px;gap:24px}.hero .text-link{font-size:11px}.hero-note{margin-top:25px;font-size:10px}.hero-visual{min-height:360px;border-radius:19px}.photo-caption{top:17px;left:17px;font-size:8px;padding:8px 11px}.plan-card{padding:16px;bottom:15px}.plan-top strong{font-size:12px}.plan-tags span{font-size:9px}.plan-tags{margin-top:14px}.trustline{display:grid;grid-template-columns:1fr 1fr;gap:18px 10px;padding:23px 0;font-size:9px}.trustline svg{width:15px;height:15px}.trustline span{gap:7px}.section{padding-top:58px}.section-head{display:block;margin-bottom:23px}.section-head>p{margin-top:15px;font-size:12px}.eyebrow{font-size:9px;letter-spacing:1.4px}h2{font-size:33px;letter-spacing:-1.3px}.coverage-grid{grid-template-columns:1fr 1fr;gap:10px}.coverage-card{padding:17px;border-radius:20px}.coverage-card:last-child{grid-column:1/-1;display:grid;grid-template-columns:46px 1fr;column-gap:18px;align-items:center}.coverage-card:last-child .card-index{grid-column:1/-1;margin-bottom:10px}.coverage-card:last-child .icon-tile{grid-row:2/4}.coverage-card:last-child strong{margin-top:0}.coverage-card:last-child>span:last-child{max-width:none;margin-top:5px}.coverage-card strong{font-size:17px;margin-top:19px}.coverage-card>span:last-child{font-size:11px}.card-index{margin-bottom:17px}.coverage-detail{grid-template-columns:1fr;padding:24px;gap:22px;border-radius:22px}.coverage-detail h3{font-size:23px}.coverage-detail p{font-size:12px}.coverage-detail ul{gap:10px;display:block;line-height:2.2}.approach{grid-template-columns:1fr;gap:30px}.approach-photo{height:340px}.photo-label{font-size:19px;left:20px;bottom:22px}.approach-copy>p:not(.eyebrow){font-size:13px}.approach-row{margin-top:22px}.quote-section{grid-template-columns:1fr;margin-top:55px;padding:29px 20px;gap:30px;border-radius:24px}.quote-copy h2{font-size:30px}.quote-copy>p:not(.eyebrow){font-size:12px}.quote-contact{margin-top:25px}.quote-progress{margin-top:25px}.quote-panel{padding:20px}.quote-choices{grid-template-columns:1fr}.quote-choices button{min-height:50px;font-size:12px;padding:13px 15px}.quote-choices button:last-child{grid-column:auto}.panel-heading h3{font-size:14px}.service-grid{grid-template-columns:1fr;gap:12px}.service-card{padding:24px}.service-card h3{margin-top:18px}.service-card p{margin-top:8px}.service-card .text-link{margin-top:18px}.jessica-banner{margin-top:45px;padding:24px;flex-wrap:wrap;gap:17px;border-radius:23px}.jessica-banner>div:nth-child(2){flex:1}.jessica-icon{width:44px;height:44px;border-radius:15px}.jessica-icon svg{width:22px;height:22px}.jessica-banner h2{font-size:21px;line-height:1.3}.jessica-banner p:last-child{font-size:11px}.jessica-banner .btn{margin-left:0;width:100%;justify-content:space-between}.jessica-banner .eyebrow{font-size:8px;letter-spacing:1px}.faq{grid-template-columns:1fr;gap:28px}.faq>div>p:not(.eyebrow){font-size:12px;margin-top:17px}summary{font-size:13px;padding:19px 0}details p{font-size:12px}.contact-section{grid-template-columns:1fr;padding:30px 26px;gap:35px;margin-top:55px;border-radius:24px}.contact-section h2{font-size:36px}.contact-section .btn{font-size:12px;gap:24px}.contact-details{gap:23px}footer{padding-top:30px;padding-bottom:100px}.footer-top{flex-wrap:wrap;gap:20px}.footer-top p{font-size:10px}.footer-top .text-link{margin-left:auto}.footer-bottom{flex-direction:column;align-items:start;gap:13px;font-size:9px}.chat-launcher{right:16px;bottom:16px;padding:13px 16px;font-size:11px}.chat-dialog{margin:auto auto 12px}.chat-messages{height:240px}.info-dialog{padding:30px 25px}.info-dialog h2{font-size:25px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{transition:none!important;animation:none!important}}

/* Logo-led palette: navy outline, mountain greens, river blue and wheat gold. */
:root{--brand-navy:#081b29;--brand-forest:#284b2b;--brand-olive:#516b25;--brand-blue:#217caa;--brand-gold:#c5a65c}
.green{background:var(--brand-blue);color:#fff}.green:hover{background:#18648c}
h1 span{color:var(--brand-gold)}
.plan-track i:first-child{background:var(--brand-blue)}.plan-track i:nth-child(2){background:var(--brand-forest)}.plan-track i:nth-child(3){background:var(--brand-gold)}
.coverage-card.active{background:#eef3e8;border-color:var(--brand-olive)}
.footer-brand{color:var(--brand-navy)}

/* The embedded application stays inside the agency website. */
.embedded-intake{grid-column:1/-1;background:#fff;border:1px solid #d5e1e8;border-radius:24px;padding:28px;scroll-margin-top:110px}
.intake-heading{display:flex;justify-content:space-between;align-items:start;gap:25px;padding-bottom:22px;border-bottom:1px solid #dfe5e7;margin-bottom:20px}
.intake-heading h3{font-size:25px;font-weight:500;letter-spacing:-.7px;margin-top:7px}.intake-heading p:not(.eyebrow){font-size:13px;color:#5e6b75;max-width:620px;margin-top:10px}
.intake-badge{padding:9px 14px;border-radius:99px;background:#eef3e8;color:#284b2b;font-size:10px;white-space:nowrap}
.intake-frame{display:block;width:100%;height:800px;border:0;border-radius:12px;background:white}
.embedded-intake small{display:block;font-size:11px;line-height:1.6;color:#5e6b75;margin-top:16px}.intake-help{font-size:12px;color:#5e6b75;margin-top:14px}.intake-help a{text-decoration:underline;color:#18648c}#intake-status:not(:empty){margin-top:15px;padding:14px;background:#eef3e8;color:#284b2b;border-radius:12px;font-size:13px}
@media(max-width:760px){.embedded-intake{padding:18px 10px;border-radius:18px}.intake-heading{padding:0 8px 18px;display:block}.intake-heading h3{font-size:22px}.intake-badge{display:inline-block;margin-top:14px}.intake-frame{height:750px}.embedded-intake small,.intake-help{padding:0 8px}}

.product-choices{display:flex;flex-wrap:wrap;gap:10px;margin-top:16px}.product-choice{background:#fff;border:1px solid #c5d7e1;border-radius:99px;padding:12px 18px;font-size:12px}.product-choice:hover{background:#e7f1f7}.quote-choices button:last-child{grid-column:auto}.guide-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.guide-grid article{padding:28px;border-radius:23px;border:1px solid #dfe5e7;background:#fff}.guide-grid h3{font-size:22px;font-weight:500;letter-spacing:-.6px;margin:15px 0}.guide-grid p,.guide-grid li{font-size:12px;line-height:1.8;color:#5e6b75}.guide-grid ul{padding-left:18px;margin:18px 0 24px}.guide-grid .text-link{font-size:11px}.guide-note{font-size:11px;color:#5e6b75;margin-top:18px;max-width:900px}
@media(max-width:760px){.guide-grid{grid-template-columns:1fr}.guide-grid article{padding:24px}.product-choice{padding:11px 14px;font-size:11px}}
@media(prefers-reduced-motion:no-preference){.hero-visual img{animation:legacy-landscape 1.2s cubic-bezier(.22,1,.36,1) both}.coverage-card,.service-card,.product-choice{transition:transform .25s ease,background .25s ease,border-color .25s ease}.coverage-card:hover,.service-card:hover{transform:translateY(-4px)}@keyframes legacy-landscape{from{transform:scale(1.035)}to{transform:scale(1)}}}

.intake-frame[hidden],[data-quote][hidden]{display:none!important}

/* Coverr stock stills: preserve faces and contextual coverage imagery. */
.hero-visual>img{object-position:54% center}.approach-photo img{object-position:center}.coverage-card-photo{width:100%;height:120px;object-fit:cover;border-radius:14px;margin-bottom:16px}.coverage-card[data-coverage="personal"] .coverage-card-photo{object-position:55% 35%}.coverage-card .card-index{margin-bottom:16px}
@media(max-width:760px){.coverage-card-photo{height:105px}.coverage-card:last-child{display:flex;grid-column:auto}.coverage-card:last-child strong{margin-top:19px}.coverage-card:last-child .card-index{width:100%;margin-bottom:16px}.coverage-card:last-child .icon-tile{grid-row:auto}.coverage-card:last-child>span:last-child{margin-top:8px}}

/* Recognizable motion, driven by scroll and intentional interaction. */
.reading-progress{position:fixed;top:0;left:0;width:100%;height:3px;background:#c5a65c;z-index:100;transform:scaleX(0);transform-origin:left;pointer-events:none}
.hero-visual>img{animation:none}.plan-card{transform-origin:bottom center}
@media(prefers-reduced-motion:no-preference){
 .coverage-card,.service-card,.resource-card,.finder-option{transition:transform .35s cubic-bezier(.22,1,.36,1),box-shadow .35s,border-color .25s,background .25s}
 .coverage-card:hover,.coverage-card:focus-visible,.service-card:hover,.resource-card:hover,.finder-option:hover{transform:translateY(-9px);box-shadow:0 18px 32px #081b2914}
 .coverage-card-photo{transition:transform .5s cubic-bezier(.22,1,.36,1)}
 .coverage-card:hover .coverage-card-photo{transform:scale(1.035)}
 .btn>span,.text-link>span,.card-index>span{transition:transform .3s cubic-bezier(.22,1,.36,1)}
 .btn:hover>span,.text-link:hover>span,.coverage-card:hover .card-index>span{transform:translate(4px,-3px)}
 .plan-track i{animation:legacy-track 1s cubic-bezier(.22,1,.36,1) both;transform-origin:left}.plan-track i:nth-child(2){animation-delay:.2s}.plan-track i:nth-child(3){animation-delay:.4s}
 @keyframes legacy-track{from{transform:scaleX(0)}to{transform:scaleX(1)}}
}
@media(prefers-reduced-motion:reduce){.hero-visual>img,.plan-track i{animation:none}.coverage-card,.service-card,.resource-card,.finder-option,.coverage-card-photo,.btn>span,.text-link>span,.card-index>span{transition:none}.coverage-card:hover,.coverage-card:focus-visible,.service-card:hover,.resource-card:hover,.finder-option:hover{transform:none}.coverage-card:hover .coverage-card-photo{transform:none}}

/* Compact homepage rhythm with the same coverage and embedded quote paths. */
@media(min-width:761px){
 .header{height:84px}.section{padding-top:64px;padding-bottom:0}
 .hero{min-height:510px}.hero-copy{padding:36px}.hero-visual{min-height:490px}
 .hero h1{font-size:clamp(46px,4.8vw,66px)}
 .approach{gap:48px}.approach-photo{height:430px}.approach-row{margin-top:22px}
 .quote-section{padding:36px 40px;gap:40px;margin-top:64px}
 .coverage-detail{padding:26px 28px}
}
.coverage-card .card-index,.coverage-card>.icon-tile{display:none}
.coverage-card-photo{height:112px;margin-bottom:14px}
.coverage-card strong{margin-top:0!important}
.guide-grid article{display:flex;flex-direction:column;padding:24px}
.guide-grid h3{font-size:20px;margin:12px 0}.guide-grid .text-link{margin-top:auto;padding-top:20px}
@media(max-width:760px){.coverage-card{padding:16px}.coverage-card-photo{height:100px}.guide-grid{gap:12px}.guide-grid article{padding:20px}.quote-section{margin-top:40px}}

/* Conversion clarity: stable first-screen text, comfortable touch targets. */
.header nav{gap:20px}.hero h1{font-size:clamp(40px,4.3vw,62px);line-height:1.08;letter-spacing:-2px}.hero-copy>p{max-width:470px}
.hero-actions{flex-wrap:wrap;gap:18px}.hero-note{line-height:1.6}.hero-visual{overflow:hidden}
.inquiry-section{display:grid;grid-template-columns:1fr 1fr;gap:56px}.inquiry-section>div>p:not(.eyebrow){margin-top:18px;max-width:470px;color:var(--gray)}
.inquiry-form{display:grid;gap:10px;padding:28px;border:1px solid var(--line);border-radius:24px;background:white}
.inquiry-form label{font-size:14px;font-weight:600;margin-top:8px}.inquiry-form input,.inquiry-form select,.inquiry-form textarea{width:100%;min-height:48px;font:inherit;font-size:16px;padding:12px;border:1px solid #82949d;border-radius:8px;background:white;color:var(--ink)}
.inquiry-form textarea{resize:vertical}.inquiry-form small{color:#53636e;line-height:1.5;font-size:12px}.inquiry-form .btn{margin-top:12px}
.inquiry-form [aria-invalid=true]{border:2px solid #a72f24}#inquiry-error{color:#8e2019;background:#fff0ec;padding:14px;border-radius:8px;line-height:1.5}
.request-preview{margin-top:20px;padding:24px;border-radius:18px;background:#edf3e8}.request-preview pre{white-space:pre-wrap;overflow-wrap:anywhere;font:inherit;line-height:1.6;margin:16px 0}.request-preview p{margin-top:16px;font-size:13px}
[hidden]{display:none!important}.text-link{min-height:24px;display:inline-flex;align-items:center}summary{min-height:44px}select:focus-visible,textarea:focus-visible{outline:3px solid #217caa;outline-offset:4px}
@media(max-width:1100px) and (min-width:761px){.header{gap:16px}.header nav{gap:14px;font-size:12px}.brand{width:130px;min-width:110px}.header .btn{padding:12px 16px;gap:10px}}
@media(max-width:760px){.hero h1{font-size:42px;letter-spacing:-1.7px}.hero-copy{padding:28px 24px}.hero-actions{gap:16px}.hero-actions .btn{width:100%}.hero-note{font-size:11px}.inquiry-section{grid-template-columns:1fr;gap:24px}.inquiry-form{padding:20px}.chat-launcher span{display:none}.chat-launcher{width:48px;height:48px;padding:12px}.chat-launcher b{display:none}.contact-details a{overflow-wrap:anywhere}.header nav a{padding:12px 0;min-height:44px}}

/* Quote forms: compact choices, immediate access and clear loading feedback. */
.quote-section{align-items:start}.quote-choices{grid-template-columns:1fr 1fr}.quote-choices button{min-height:52px;font-size:13px}.quote-choices button:last-child{grid-column:auto}
.quote-specific{margin-top:14px;border-bottom:0}.quote-specific summary{font-size:13px;padding:12px 0}.quote-specific .quote-choices{padding:6px 0 14px}
#quote-continue{margin-top:16px}#intake-retry{margin-bottom:14px;text-decoration:underline;font-size:13px;min-height:44px}
#intake-status.loading{display:flex;gap:12px;align-items:center}#intake-status.loading:before{content:'';width:16px;height:16px;border:2px solid #b9cbd4;border-top-color:#217caa;border-radius:50%;flex:none;animation:intake-spin .7s linear infinite}
@keyframes intake-spin{to{transform:rotate(360deg)}}
@media(max-width:760px){.quote-choices button{font-size:12px;padding:12px 10px;gap:6px}.quote-choices button svg{width:17px;height:17px}.quote-copy>p:not(.eyebrow){font-size:14px}.quote-section{gap:22px}}
@media(prefers-reduced-motion:reduce){#intake-status.loading:before{animation:none}}

.planning-paths{margin-top:55px;border-radius:26px;background:#eef3e8;border:1px solid #d2e0d0;padding:30px;display:grid;grid-template-columns:1.2fr repeat(3,1fr);gap:24px;align-items:start}.planning-paths h2{font-size:28px;letter-spacing:-1px;margin-top:14px;line-height:1.2}.planning-path{display:grid;grid-template-columns:1fr auto;gap:10px;border-left:1px solid #bfcfba;padding-left:22px;min-height:145px}.planning-number{font-size:12px;color:#52644d;grid-column:1/-1}.planning-path strong{font-size:18px;font-weight:500;grid-column:1/-1}.planning-path>span:not(.planning-number){font-size:13px;line-height:1.7;color:#52644d}.planning-path b{font-size:24px;font-weight:400;color:#284b2b;align-self:end}.planning-path:focus-visible{outline:3px solid #217caa;outline-offset:6px}.quote-copy>.text-link{margin-top:20px;font-size:13px;line-height:1.7}
@media(prefers-reduced-motion:no-preference){.planning-path b{transition:transform .25s}.planning-path:hover b{transform:translateX(5px)}}
@media(max-width:1100px){.planning-paths{grid-template-columns:repeat(3,1fr)}.planning-paths>div{grid-column:1/-1}.planning-path:first-of-type{border-left:0;padding-left:0}}
@media(max-width:760px){.planning-paths{grid-template-columns:1fr;padding:24px;margin-top:35px;gap:20px}.planning-paths>div{grid-column:auto}.planning-path{border-left:0;border-top:1px solid #bfcfba;padding:20px 0 0;min-height:0}.planning-paths h2{font-size:26px}}

.change-callout{margin-top:55px;background:#edf3f7;border:1px solid #cfdde5;border-radius:26px;padding:35px;display:flex;align-items:center;justify-content:space-between;gap:35px}.change-callout h2{font-size:30px;line-height:1.3;margin-top:14px;max-width:680px}.change-callout p:not(.eyebrow){font-size:14px;line-height:1.8;color:#536676;margin-top:16px;max-width:650px}.change-callout .btn{flex-shrink:0;font-size:13px;gap:15px}
@media(max-width:900px){.change-callout{align-items:start;flex-direction:column;gap:24px}.change-callout h2{font-size:28px}}
@media(max-width:760px){.change-callout{padding:25px;margin-top:40px}.change-callout h2{font-size:26px}.change-callout .btn{font-size:12px}}