:root{
  --navy:#2E4A78;--ink:#1E2B45;--body:#3A4658;--muted:#5B6679;--ivory:#FBF8F3;--sand:#F3EDE3;--line:#E8E0D2;--white:#fff;
  --cta:#C4228E;--cta-h:#A11A75;--brand-blue:#5A7AAA;--pink-soft:#F6B3DA;
  --blue:#3B5A8C;--blue-bg:#EEF2F9;--teal:#0F6E56;--teal-bg:#E6F4EF;--coral:#B2431D;--coral-bg:#FCEEEA;
  --purple:#534AB7;--purple-bg:#EEEDFE;--amber:#8A5609;--amber-bg:#FEF5E4;
  --r:22px;--max:1200px;--serif:"Fraunces",Georgia,serif;--sans:"Figtree",system-ui,-apple-system,"Segoe UI",sans-serif}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:var(--ivory);color:var(--ink);font-family:var(--sans);font-size:17px;line-height:1.6}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy)}a:hover{color:var(--blue)}
h1,h2,h3{font-family:var(--serif);color:var(--navy);font-weight:600;line-height:1.1;margin:0 0 .5em;letter-spacing:-.01em}
h1{font-size:clamp(2.4rem,5.6vw,4.4rem)}h2{font-size:clamp(1.9rem,3.6vw,3rem)}h3{font-size:1.5rem}
p{margin:0 0 1em}
.wrap{max-width:var(--max);margin:0 auto;padding:0 24px}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;z-index:99;background:#fff;padding:10px}
.eyebrow{display:inline-block;font-size:.82rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--cta-h);margin-bottom:.8em}
.lede{font-size:1.2rem;color:var(--body);max-width:620px}
.btn{display:inline-flex;align-items:center;gap:.5em;min-height:48px;padding:.8em 1.6em;border-radius:999px;font-weight:700;text-decoration:none;border:2px solid transparent;transition:.15s}
.btn-cta{background:var(--cta);color:#fff}.btn-cta:hover{background:var(--cta-h);color:#fff}
.btn-navy{background:var(--navy);color:#fff}.btn-navy:hover{background:var(--ink);color:#fff}
.btn-line{border-color:var(--navy);color:var(--navy)}.btn-line:hover{background:var(--navy);color:#fff}
.btn-white{background:#fff;color:var(--cta)}
.row{display:flex;flex-wrap:wrap;gap:12px;align-items:center}
/* header */
.topbar{background:var(--navy);color:#DCE8F4;font-size:.88rem}
.topbar .wrap{display:flex;justify-content:space-between;gap:16px;padding:8px 24px;flex-wrap:wrap}
.topbar a{color:#fff}
header.site{position:sticky;top:0;z-index:50;background:rgba(251,248,243,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:12px 24px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none}
.brand svg{width:52px;height:56px;flex:none}
.brand b{display:block;font-family:var(--serif);font-size:1.6rem;color:var(--navy);line-height:1}
.brand small{display:block;font-size:.66rem;letter-spacing:.2em;color:var(--teal);font-weight:700;margin-top:4px}
nav.main ul{list-style:none;margin:0;padding:0;display:flex;gap:26px}
nav.main a{text-decoration:none;color:var(--ink);font-weight:600}
nav.main a:hover,nav.main a[aria-current]{color:var(--cta)}
.menu{display:none}
@media(max-width:980px){
  nav.main,.hdr-cta{display:none}
  .menu{display:block}
  .menu summary{list-style:none;cursor:pointer;width:48px;height:48px;border:1px solid var(--line);border-radius:14px;display:grid;place-items:center;background:#fff}
  .menu summary::-webkit-details-marker{display:none}
  .menu[open] .panel{position:absolute;left:0;right:0;top:100%;background:var(--ivory);border-bottom:1px solid var(--line);padding:12px 24px 24px}
  .panel a{display:block;padding:12px 0;border-bottom:1px solid var(--line);text-decoration:none;font-weight:600;font-size:1.1rem}
}
/* hero */
.hero{padding:64px 0 72px}
.hero .wrap{display:grid;grid-template-columns:1.05fr 1fr;gap:56px;align-items:center}
.hero h1 em{font-style:normal;color:var(--cta)}
.pill{display:inline-block;background:var(--teal-bg);color:var(--teal);font-weight:700;font-size:.9rem;padding:8px 14px;border-radius:999px;margin-bottom:22px}
.trust{display:flex;flex-wrap:wrap;gap:8px;margin:26px 0 0;padding:0;list-style:none;color:var(--body);font-size:.92rem}
.trust li{background:#fff;border:1px solid var(--line);border-radius:999px;padding:6px 14px}.stars{color:#E0A020;letter-spacing:1px}
.hero-art{position:relative;min-height:520px}
.hero-art .disc{position:absolute;inset:0 0 40px 40px;border-radius:50%;background:var(--blue-bg)}
.hero-art .ph1{position:absolute;left:40px;top:10px;width:62%;aspect-ratio:3/4;object-fit:cover;border-radius:200px 200px 28px 28px}
.hero-art .ph2{position:absolute;right:0;bottom:0;width:48%;aspect-ratio:4/5;object-fit:cover;border-radius:28px 28px 160px 160px;border:8px solid var(--ivory)}
.hero-art .ph3{position:absolute;right:4%;top:0;width:30%;aspect-ratio:1;object-fit:cover;border-radius:50%;border:8px solid var(--ivory)}
.hero-art .chip{position:absolute;left:0;bottom:40px;background:#fff;border:1px solid var(--line);border-radius:18px;padding:14px 18px;display:flex;gap:12px;align-items:center;max-width:290px;box-shadow:0 10px 30px rgba(11,59,99,.08)}
.hero-art .chip svg{width:44px;height:47px;flex:none}
@media(max-width:900px){.hero .wrap{grid-template-columns:1fr}.hero-art{min-height:420px}}
/* sections */
section{padding:88px 0}
.alt{background:#fff}.navyband{background:var(--navy);color:#fff}.navyband h2,.navyband h3{color:#fff}
.sec-head{display:flex;justify-content:space-between;align-items:flex-end;gap:24px;margin-bottom:36px;flex-wrap:wrap}
.sec-head p{max-width:420px;color:var(--body);margin:0}
.grid{display:grid;gap:20px}
.g4{grid-template-columns:repeat(4,minmax(0,1fr))}.g3{grid-template-columns:repeat(3,minmax(0,1fr))}.g2{grid-template-columns:repeat(2,minmax(0,1fr))}
@media(max-width:1000px){.g4{grid-template-columns:repeat(2,minmax(0,1fr))}.g3{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:640px){.g4,.g3,.g2{grid-template-columns:1fr}section{padding:60px 0}}
/* audience cards */
.aud{border-radius:var(--r);padding:28px;display:flex;flex-direction:column;gap:12px;text-decoration:none;color:var(--ink)}
.aud h3{font-size:1.7rem;margin:0}.aud .sub{font-weight:700;font-size:.9rem}
.aud ul{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:8px;font-size:.98rem}
.aud li{display:flex;justify-content:space-between;gap:10px;border-bottom:1px dashed rgba(16,38,61,.15);padding-bottom:6px}
.aud li a{text-decoration:none;color:var(--ink)}.aud li a:hover{text-decoration:underline}
.aud .go{margin-top:auto;font-weight:700}
.c-blue{background:var(--blue-bg)}.c-blue .sub,.c-blue .go{color:var(--blue)}
.c-teal{background:var(--teal-bg)}.c-teal .sub,.c-teal .go{color:var(--teal)}
.c-coral{background:var(--coral-bg)}.c-coral .sub,.c-coral .go{color:var(--coral)}
.c-amber{background:var(--amber-bg)}.c-amber .sub,.c-amber .go{color:var(--amber)}
.c-purple{background:var(--purple-bg)}.c-purple .sub,.c-purple .go{color:var(--purple)}
/* pillar tiles */
.pillar{border-radius:var(--r);background:#3A5889;padding:28px;display:flex;flex-direction:column;gap:10px;text-decoration:none;color:#fff;border-top:6px solid}
.pillar p{color:#DCE6F4;margin:0}.pillar .go{margin-top:auto;font-weight:700}
.pillar:hover{background:#44659A;color:#fff}
.b-blue{border-color:#A9BCD9}.b-teal{border-color:#5DCAA5}.b-coral{border-color:#F0997B}.b-purple{border-color:#AFA9EC}
/* service cards */
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;display:flex;flex-direction:column;text-decoration:none;color:var(--ink);transition:.15s}
.card:hover{transform:translateY(-3px);box-shadow:0 14px 30px rgba(11,59,99,.08);color:var(--ink)}
.card img{aspect-ratio:16/10;object-fit:cover;width:100%}
.card .in{padding:20px 22px 24px;display:flex;flex-direction:column;gap:6px;flex:1}
.card h3{font-size:1.35rem;margin:0}.card p{margin:0;color:var(--muted);font-size:.95rem}
.card .from{margin-top:auto;padding-top:10px;font-weight:700;color:var(--navy)}
.tag{display:inline-block;font-size:.75rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;padding:4px 10px;border-radius:999px;align-self:flex-start}
/* split feature */
.split{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
.split img{border-radius:32px;width:100%;aspect-ratio:4/3;object-fit:cover}
@media(max-width:900px){.split{grid-template-columns:1fr;gap:32px}}
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:24px 0}
.stat{background:#fff;border:1px solid var(--line);border-radius:18px;padding:16px}
.stat b{display:block;font-family:var(--serif);font-size:1.8rem;color:var(--navy);line-height:1.1}
.stat span{font-size:.9rem;color:var(--muted)}
/* page hero */
.phero{padding:56px 0 48px}
.crumbs{font-size:.9rem;color:var(--muted);margin-bottom:18px}.crumbs a{color:var(--muted)}
.phero .wrap{display:grid;grid-template-columns:1.1fr 1fr;gap:48px;align-items:center}
.phero img{border-radius:32px;aspect-ratio:4/3;object-fit:cover;width:100%}
@media(max-width:900px){.phero .wrap{grid-template-columns:1fr}}
/* service body */
.body2{display:grid;grid-template-columns:1.4fr 1fr;gap:48px;align-items:start}
@media(max-width:900px){.body2{grid-template-columns:1fr}}
.good{list-style:none;padding:0;margin:0 0 1em;display:grid;gap:10px}
.good li{padding-left:34px;position:relative}
.good li::before{content:"";position:absolute;left:0;top:.35em;width:20px;height:20px;border-radius:50%;background:var(--teal-bg) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M6 10.5l2.5 2.5L14 7.5' fill='none' stroke='%230F6E56' stroke-width='2.2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/100% no-repeat}
.steps{counter-reset:s;display:grid;gap:14px;margin:0;padding:0;list-style:none}
.steps li{counter-increment:s;background:#fff;border:1px solid var(--line);border-radius:18px;padding:18px 20px 18px 64px;position:relative}
.steps li::before{content:counter(s);position:absolute;left:18px;top:18px;width:32px;height:32px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:700}
.steps b{display:block;color:var(--navy)}
.book-box{position:sticky;top:110px;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px}
.prices{width:100%;border-collapse:collapse;margin:8px 0 18px;font-size:.97rem}
.prices td{padding:12px 0;border-bottom:1px solid var(--line);vertical-align:top}
.prices td:last-child{text-align:right;white-space:nowrap}
.prices small{display:block;color:var(--muted)}
.prices a{font-weight:700;font-size:.9rem}
.note{font-size:.92rem;color:var(--muted)}
/* team */
.person{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px;display:flex;gap:18px;align-items:flex-start}
.person img,.person .ini{width:84px;height:84px;border-radius:50%;object-fit:cover;flex:none;background:var(--sand);display:grid;place-items:center;font-family:var(--serif);font-size:1.6rem;color:var(--navy)}
.person h3{font-size:1.25rem;margin:0 0 2px}.person .role{color:var(--teal);font-weight:700;font-size:.9rem;margin-bottom:8px}
.person p{font-size:.95rem;color:var(--body);margin:0}
/* faq */
.faq details{border-bottom:1px solid var(--line);padding:18px 0}
.faq summary{cursor:pointer;list-style:none;font-weight:700;color:var(--navy);font-size:1.1rem;display:flex;justify-content:space-between;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--cta);font-size:1.5rem;line-height:1}
.faq details[open] summary::after{content:"–"}
.faq .a{padding-top:10px;color:var(--body)}
/* reviews */
.quote{margin:0;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:28px;font-size:1.05rem;color:var(--body)}
.quote footer{margin-top:14px;font-weight:700;color:var(--ink);font-size:.95rem}.quote footer span{font-weight:400;color:var(--muted)}
/* promo panels */
.panel2{border-radius:32px;padding:44px;display:flex;flex-direction:column;gap:14px;align-items:flex-start}
.panel2 h2{font-size:clamp(1.7rem,3vw,2.4rem)}
.cta-band{background:var(--cta);color:#fff;border-radius:36px;padding:56px;display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap}
.cta-band h2{color:#fff;margin:0}.cta-band p{margin:.4em 0 0;color:#fff}
/* prose */
.prose{max-width:760px}.prose h2{font-size:2rem;margin-top:1.6em}.prose h3{margin-top:1.4em}
.prose ul,.prose ol{padding-left:1.3em}.prose li{margin-bottom:.4em}.prose table{border-collapse:collapse;width:100%}.prose td,.prose th{border:1px solid var(--line);padding:8px}
/* footer */
footer.site{background:var(--navy);color:#D5E5F5;padding:64px 0 110px;margin-top:0;font-size:.95rem}
footer.site .grid{grid-template-columns:1.4fr 1fr 1fr 1fr}
footer.site a{color:#fff;text-decoration:none}footer.site a:hover{text-decoration:underline}
footer.site h4{color:#fff;margin:0 0 10px;font-size:1rem}
footer.site ul{list-style:none;padding:0;margin:0;line-height:2}
.legal{border-top:1px solid rgba(255,255,255,.15);margin-top:40px;padding-top:20px;font-size:.85rem;color:#C3D2E6}
@media(max-width:900px){footer.site .grid{grid-template-columns:1fr 1fr}}
/* mobile book bar */
.mbar{display:none}
@media(max-width:760px){.mbar{display:flex;position:fixed;left:12px;right:12px;bottom:12px;z-index:60;gap:8px}
 .mbar .btn{flex:1;justify-content:center;box-shadow:0 8px 24px rgba(0,0,0,.18)}
 .mbar .call{flex:none;width:52px;padding:0;justify-content:center;background:#fff;border:1px solid var(--line)}}
:focus-visible{outline:3px solid var(--blue);outline-offset:3px}
@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
footer.site .grid>*{min-width:0}footer.site a{overflow-wrap:anywhere}
@media(max-width:640px){footer.site .grid{grid-template-columns:1fr}}

/* v2 additions */
.h1-sub{display:block;font-family:var(--sans);font-size:clamp(1rem,1.6vw,1.2rem);font-weight:600;color:var(--muted);letter-spacing:0;margin-top:.7em;line-height:1.4}
.h1-post{font-size:clamp(2rem,4.5vw,3.2rem)}
.h3{font-size:1.5rem}.h-sec{font-size:clamp(1.6rem,2.6vw,2.1rem);margin:0 0 20px}
.t-blue{color:var(--blue)}.t-teal{color:var(--teal)}.t-coral{color:var(--coral)}.t-purple{color:var(--purple)}.t-amber{color:var(--amber)}.t-mint{color:var(--pink-soft)}
.tag.t-blue{background:var(--blue-bg)}.tag.t-teal{background:var(--teal-bg)}.tag.t-coral{background:var(--coral-bg)}.tag.t-purple{background:var(--purple-bg)}.tag.t-amber{background:var(--amber-bg)}
.muted{font-size:.88rem;color:var(--muted)}.mt{margin-top:24px}
section.pad-t{padding-top:64px;padding-bottom:24px}section.pad-b{padding-top:40px}section.pad-0{padding:0 0 64px}
.phero.slim{padding-bottom:28px}.wrap.narrow{max-width:900px}.wrap.solo{display:block!important;max-width:900px}
.split.rev>img{order:2}
.aud h3{font-size:1.55rem}.aud .sub{margin:0}.aud li span{font-weight:700;white-space:nowrap}
.pillar{padding:0;overflow:hidden}.pillar img{aspect-ratio:16/10;object-fit:cover;width:100%;opacity:.92}.pillar .in{padding:22px 24px 26px;display:flex;flex-direction:column;gap:10px;flex:1}
.band-mark{width:110px}
.info{border:1px solid var(--line);border-radius:var(--r);padding:28px;background:#fff}.info h2,.info h3{font-size:1.35rem}.info p{margin:0;color:var(--body)}
.soon{display:flex;justify-content:space-between;align-items:center;gap:28px;flex-wrap:wrap;border-radius:32px;padding:40px;background:var(--purple-bg)}
.soon.c-coral{background:var(--coral-bg)}.soon>div:first-child{max-width:640px}.soon h2{margin-bottom:.3em}
.stack{display:grid;gap:16px}.party-card h2{font-size:clamp(1.8rem,3vw,2.5rem)}
.save{font-weight:700;color:var(--navy)}
.btn-ghost{color:#fff;border-color:#fff}.btn-ghost:hover{background:#fff;color:var(--cta)}
.btn-block{width:100%;justify-content:center}
.price-jump{font-weight:700;color:var(--navy)}
.copy>h2{margin-top:44px}.copy>h2:first-child{margin-top:0}.copy>p:first-child{font-size:1.1rem}
.guides{margin-top:36px;background:#fff;border:1px solid var(--line);border-radius:18px;padding:20px 24px}.guides h3{font-size:1.15rem;margin:0 0 6px}.guides ul{margin:0;padding-left:1.2em}
.prices th{font-weight:500;text-align:left;padding:12px 0;border-bottom:1px solid var(--line)}
.prices td a{display:block;font-weight:700;font-size:.9rem;margin-top:2px}
.narrowt{max-width:460px;margin:12px 0 20px}.narrowt th{padding-right:24px}
.tbl{overflow-x:auto;margin-bottom:36px;position:relative}.plist{width:100%;border-collapse:collapse;background:#fff;border-radius:18px;overflow:hidden;font-size:.97rem}
.plist th,.plist td{padding:12px 16px;border-bottom:1px solid var(--line);text-align:left}.plist thead th{background:var(--sand);font-size:.85rem;text-transform:uppercase;letter-spacing:.06em}
.plist td:nth-child(3){white-space:nowrap}.plist a{font-weight:600}
.person .role{margin:0 0 8px}.person h3{font-size:1.25rem}.more summary{cursor:pointer;color:var(--navy);font-weight:600;font-size:.92rem;margin-top:8px}.more p{margin-top:8px}.bk{margin:10px 0 0}
.post-svc{margin:48px 0 0;max-width:420px}.post-svc .card h2{font-size:1.35rem;margin:0}
.more-card{background:var(--navy);color:#fff;justify-content:flex-end}.more-card h3{color:#fff}.more-card p{color:#D5E5F5}.more-card .from{color:#fff}
.prose{margin-top:36px}.prose img{border-radius:24px}
.phero img{max-height:520px}
.map{width:100%;aspect-ratio:4/3;min-height:360px;border:0;border-radius:32px}
footer.site .fh{color:#fff;font-weight:700;margin:0 0 10px}
.areas{margin:32px 0 0;color:#C3D2E6;font-size:.9rem}
.menu .i-close{display:none}.menu[open] .i-close{display:block}.menu[open] .i-open{display:none}
.panel a.btn{padding:.8em 1.6em;justify-content:center;border-bottom:0;margin-top:12px}
@media(max-width:900px){.book-box{position:static}.body2 .book-box{order:-1}.split.rev>img{order:0}}
@media(max-width:760px){.tb-r{display:none}.topbar{font-size:.8rem}.topbar .wrap{padding:6px 16px}.band-mark{display:none}.hero{padding:36px 0 56px}.hero-art{min-height:340px}.soon{padding:28px}.cta-band{padding:36px 28px}.wrap{padding:0 18px}header.site .wrap{padding:10px 18px}}
.sec-head p.eyebrow{color:var(--cta-h);margin:0 0 .8em;max-width:none}
p.eyebrow.t-blue,.eyebrow.t-blue{color:var(--blue)}p.eyebrow.t-teal,.eyebrow.t-teal{color:var(--teal)}p.eyebrow.t-purple,.eyebrow.t-purple{color:var(--purple)}p.eyebrow.t-amber,.eyebrow.t-amber{color:var(--amber)}p.eyebrow.t-coral,.eyebrow.t-coral{color:var(--coral)}p.eyebrow.t-mint,.eyebrow.t-mint{color:var(--pink-soft)}

/* insurer list */
.ins{list-style:none;padding:0;margin:14px 0 0;display:grid;grid-template-columns:repeat(auto-fill,minmax(210px,1fr));gap:8px 18px}
.ins li{padding:8px 0 8px 26px;border-bottom:1px solid rgba(11,59,99,.12);position:relative;font-size:.97rem}
.ins li::before{content:"";position:absolute;left:4px;top:15px;width:10px;height:6px;border-left:2px solid var(--teal,#0F8A7E);border-bottom:2px solid var(--teal,#0F8A7E);transform:rotate(-45deg)}
.ins.major li{font-weight:600;font-size:1.05rem}
footer.site .legal a{color:inherit;text-decoration:underline}