:root{--blue:#004c88;--blue-dark:#003a6b;--blue-light:#1a6aad;--blue-pale:#e8f0f9;--gold:#c8a84b;--white:#fff;--off-white:#f7f9fc;--text:#1a2535;--muted:#5a6a7e;--border:#dde5f0}nav{position:fixed;top:0;left:0;right:0;z-index:1000;background:var(--white);border-bottom:1px solid var(--border);padding:0 5%;display:flex;align-items:center;justify-content:space-between;height:80px;box-shadow:0 2px 20px #004c8814}.nav-logo{display:flex;align-items:center;text-decoration:none}.nav-logo img{height:48px}.logo{display:flex;align-items:center;text-decoration:none}.logo img{height:44px;width:auto}.nav-links{display:flex;align-items:stretch;gap:6px;list-style:none}.nav-links>li{position:relative;display:flex;align-items:center}.nav-links>li>a{display:flex;align-items:center;padding:8px 16px;border-radius:6px;color:var(--text);text-decoration:none;font-size:.9rem;font-weight:500;transition:.2s}.dropdown{display:none;position:absolute;top:100%;left:0;background:var(--white);border:1px solid var(--border);border-radius:12px;min-width:260px;box-shadow:0 20px 60px #004c8826;padding:8px;z-index:100}.hero{background:linear-gradient(135deg,var(--blue) 0%,var(--blue-dark) 100%);padding:80px 5% 0;min-height:520px;display:flex;align-items:flex-end;position:relative;overflow:hidden}.hero:before{content:"";position:absolute;inset:0;background:url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='%23ffffff' fill-opacity='0.04'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/svg%3E")}.hero-inner{position:relative;z-index:1;width:100%}.hero-ctas{background:var(--blue-dark);padding:0 5%;display:grid;grid-template-columns:repeat(5,1fr);border-top:1px solid rgba(255,255,255,.12)}.hero-cta-item{padding:24px 16px;display:flex;flex-direction:column;align-items:center;gap:10px;text-align:center;cursor:pointer;border-right:1px solid rgba(255,255,255,.1);transition:.25s;text-decoration:none}.hero-cta-item:last-child{border-right:none}.hero-cta-item:hover{background:#ffffff14}.hero-cta-item:hover .hero-cta-icon{background:var(--gold)}.trust-stat-num{font-size:2.5rem}.trust-stat-label{font-size:.85rem}.carousel-section{padding:50px 5%;background:var(--white);border-bottom:1px solid var(--border)}.carousel-track-wrap{overflow:hidden}.carousel-track{display:flex;gap:50px;align-items:center;animation:marquee 25s linear infinite;width:max-content}.carousel-track:hover{animation-play-state:paused}.provider-logo{width:160px;height:80px;object-fit:contain;flex-shrink:0;opacity:.9;transition:opacity .3s;cursor:default}.btn-secondary{background:transparent;color:var(--blue);border:1.5px solid var(--blue)}.btn-secondary:hover{background:var(--blue);color:var(--white)}.offering-icon{width:72px;height:72px;flex-shrink:0;background:var(--blue-pale);border-radius:14px;display:flex;align-items:center;justify-content:center;font-size:1.4rem;transition:.3s}.team-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:24px}.media-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.media-card{border-radius:18px;overflow:hidden;border:1px solid rgba(255,255,255,.15);background:transparent;transition:.35s;cursor:pointer;text-decoration:none;color:var(--text)}.media-card:hover{transform:translateY(-6px);box-shadow:0 20px 50px #00000040}.media-thumb{width:100%;aspect-ratio:16/9;position:relative;overflow:hidden}.media-thumb img{transition:transform .4s ease}.media-card:hover .media-thumb img{transform:scale(1.05)}.media-thumb-overlay{position:absolute;inset:0;background:linear-gradient(to top,rgba(0,0,0,.55) 0%,transparent 60%);z-index:1}.play-btn{width:52px;height:52px;background:#ffffffe6;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:1.1rem;color:var(--blue);transition:.25s;position:absolute;top:50%;left:50%;transform:translate(-50%,-50%);z-index:2;box-shadow:0 4px 20px #0000004d}.media-card:hover .play-btn{background:var(--gold);color:var(--white);transform:translate(-50%,-50%) scale(1.1)}.media-card-body{padding:18px 20px 22px;background:var(--white)}.media-card-body h4{font-size:1rem;font-weight:700;margin-bottom:6px;color:var(--text);line-height:1.4}.media-card-body p{font-size:.82rem;color:var(--muted);line-height:1.6}.nw-row input,.nw-row select{width:160px;padding:10px 14px;border:1.5px solid var(--border);border-radius:8px;font-size:.9rem;font-family:inherit;text-align:right;outline:none;background:var(--white);appearance:none}.nw-row input:focus,.nw-row select:focus{border-color:var(--blue)}.modal-cards-3col{grid-template-columns:repeat(3,1fr)}.modal-card ul li:before{content:"•";position:absolute;left:0;color:var(--blue)}@media(max-width:900px){.hero-ctas{grid-template-columns:repeat(3,1fr)}.offerings-cta-grid{grid-template-columns:repeat(2,1fr)}.media-grid,.footer-grid{grid-template-columns:1fr 1fr}.tools-grid{grid-template-columns:1fr}.tool-card[style*="span 2"]{grid-column:span 1!important}}@media(max-width:640px){nav{padding:0 4%}.nav-links{display:none}.hamburger{display:flex}.cards-grid{grid-template-columns:1fr}.hero-ctas{grid-template-columns:repeat(2,1fr);padding:0 4%}.hero-cta-item{border-right:none}.trust-stat-num{font-size:1.5rem}.trust-stat-label{font-size:.72rem}.carousel-track{gap:20px}.provider-logo{width:100px;height:55px}.hero-search input{font-size:.55rem;padding:14px 12px}.hero-search button{padding:14px 16px;font-size:.82rem}.offerings-cta-grid,.media-grid{grid-template-columns:1fr}.ig-feed-grid{grid-template-columns:repeat(2,1fr)}.footer-grid,.form-row{grid-template-columns:1fr}.modal-header,.modal-body{padding:24px}.modal-cards,.modal-cards.modal-cards-3col{grid-template-columns:1fr}.ins-inner{grid-template-columns:1fr!important}.tool-row{flex-direction:column;align-items:flex-start}.tool-row input,.tool-row select{width:100%;text-align:left}.tool-results-grid{grid-template-columns:1fr}.nw-row{flex-direction:column;align-items:flex-start}.nw-row input,.nw-row select{width:100%;text-align:left}}:root{--blue: #004c88;--blue-dark: #003a6b;--blue-light: #1a6aad;--blue-pale: #e8f0f9;--gold: #c8a84b;--white: #fff;--off-white: #f7f9fc;--text: #1a2535;--muted: #5a6a7e;--border: #dde5f0}*{margin:0;padding:0;box-sizing:border-box}input[type=number]::-webkit-inner-spin-button,input[type=number]::-webkit-outer-spin-button{-webkit-appearance:none;margin:0}input[type=number]{-moz-appearance:textfield}html{scroll-behavior:smooth}body{font-family:DM Sans,sans-serif;color:var(--text);background:var(--white);overflow-x:hidden}.container{max-width:1200px;margin:0 auto;width:100%}nav{position:fixed;top:0;left:0;right:0;z-index:1000;background:var(--white);border-bottom:1px solid var(--border);padding:0 5%;display:flex;align-items:center;height:80px;box-shadow:0 2px 20px #004c8814}.nav-container{display:flex;align-items:center;justify-content:space-between;width:100%}.nav-logo{display:flex;align-items:center;text-decoration:none;flex-shrink:0}.nav-logo img,.logo img{height:48px!important;width:auto!important;object-fit:contain!important}.nav-links{display:flex;align-items:center;gap:6px;list-style:none;margin-left:auto}.nav-links>li{position:relative}.nav-links>li>a{display:block;padding:8px 16px;border-radius:6px;color:var(--text);text-decoration:none;font-size:.9rem;font-weight:500;transition:.2s}.nav-links>li>a:hover,.nav-links>li>a.active{color:var(--blue);background:var(--blue-pale)}.dropdown{display:none;position:absolute;top:calc(100% + 8px);right:0;background:var(--white);border:1px solid var(--border);border-radius:12px;min-width:260px;box-shadow:0 20px 60px #004c8826;padding:8px;z-index:100}.nav-links>li:hover .dropdown{display:block}.dropdown a{display:flex;align-items:center;gap:12px;padding:12px 14px;border-radius:8px;color:var(--text);text-decoration:none;font-size:.88rem;transition:.2s}.dropdown a:hover{background:var(--blue-pale);color:var(--blue)}.drop-icon{width:36px;height:36px;border-radius:8px;background:var(--blue-pale);display:flex;align-items:center;justify-content:center;flex-shrink:0;font-size:1rem}.drop-text strong{display:block;font-size:.85rem;font-weight:600}.drop-text span{font-size:.78rem;color:var(--muted)}.nav-cta{background:var(--blue)!important;color:var(--white)!important;border-radius:8px!important;padding:10px 20px!important;font-weight:600!important;border:none!important;cursor:pointer!important;font-family:inherit!important;font-size:inherit!important}.nav-cta:hover{background:var(--blue-dark)!important}.hamburger{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:4px;background:none;border:none}.hamburger span{display:block;width:24px;height:2px;background:var(--text);border-radius:2px;transition:.3s}.page{display:none;padding-top:80px}.page.active{display:block}.mobile-menu{display:none;position:fixed;inset:72px 0 0;background:var(--white);z-index:999;padding:20px;overflow-y:auto}.mobile-menu.open{display:block}.mobile-menu a{display:block;padding:14px 10px;border-bottom:1px solid var(--border);color:var(--text);text-decoration:none;font-size:.95rem}.hero{background:linear-gradient(135deg,var(--blue) 0%,var(--blue-dark) 100%);padding:80px 0 0;min-height:520px;display:flex;flex-direction:column;justify-content:flex-end;position:relative;overflow:hidden}.hero:before{content:"";position:absolute;inset:0;background:url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='%23ffffff' fill-opacity='0.04'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/svg%3E");overflow:hidden;pointer-events:none}.hero-inner{position:relative;z-index:1;width:100%;padding:0 5%}.hero-text{padding-bottom:60px;max-width:600px}.hero-badge{display:inline-flex;align-items:center;gap:8px;background:#ffffff26;color:#ffffffe6;font-size:.8rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;padding:6px 14px;border-radius:30px;margin-bottom:24px;border:1px solid rgba(255,255,255,.2)}.hero h1{font-family:Playfair Display,serif;font-size:clamp(2.2rem,4.5vw,3.4rem);color:var(--white);line-height:1.15;margin-bottom:18px}.hero h1 em{font-style:normal;color:var(--gold)}.hero p{color:#fffc;font-size:1.05rem;line-height:1.7;margin-bottom:32px;max-width:480px}.hero-search{display:flex;background:#ffffff1f;border:1px solid rgba(255,255,255,.25);border-radius:12px;overflow:hidden;max-width:460px}.hero-search input{flex:1;background:none;border:none;outline:none;padding:16px 20px;color:var(--white);font-size:.95rem;font-family:inherit}.hero-search input::placeholder{color:#ffffff8c}.hero-search button{background:var(--gold);color:var(--white);border:none;padding:14px 24px;font-size:.9rem;font-weight:600;cursor:pointer;font-family:inherit;transition:.2s}.hero-search button:hover{background:#b8943a}.hero-ctas{background:var(--blue-dark);padding:24px 32px;display:grid;grid-template-columns:repeat(6,1fr);gap:12px;border-top:1px solid rgba(255,255,255,.12);width:100%;margin-top:auto}.hero-cta-item{padding:18px 14px;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:10px;text-align:center;cursor:pointer;background:#ffffff0f;border-bottom:2px solid #c8a84b;border-radius:14px 14px 4px 4px;transition:.25s;text-decoration:none}.hero-cta-item:hover{background:#ffffff1f}.hero-cta-icon{width:46px;height:46px;background:#ffffff1f;border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:1.3rem;transition:.25s}.hero-cta-item:hover .hero-cta-icon{background:#c8a84b33}.hero-cta-item span{color:#ffffffd9;font-size:.8rem;font-weight:500;line-height:1.3}.carousel-section{padding:8px 0;background:var(--white);border-bottom:1px solid var(--border);width:100%;overflow:hidden}.section-label{text-align:center;font-size:.75rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin-bottom:28px}.carousel-track-wrap{overflow:hidden;pointer-events:none}.carousel-track{display:flex;gap:0;align-items:center;animation:marquee 25s linear infinite;width:max-content}.carousel-item{width:200px;display:flex;align-items:center;justify-content:center;flex-shrink:0}@keyframes marquee{0%{transform:translate(0)}to{transform:translate(-50%)}}.provider-logo{height:130px;max-width:280px;object-fit:contain;flex-shrink:0;opacity:.9;mix-blend-mode:multiply;transition:opacity .3s;cursor:default}.provider-logo.logo-xs{height:20px!important;max-width:80px!important}.provider-logo.logo-small{height:65px;max-width:180px}.provider-logo.logo-large{height:160px;max-width:480px}.provider-logo.logo-xl{height:200px;max-width:600px}.provider-logo:hover{opacity:1}.section{padding:80px 5%}.section-alt{background:var(--off-white)}.section-blue{background:var(--blue)}.page-hero{padding-top:120px!important;padding-bottom:60px!important}.section-title{font-family:Playfair Display,serif;font-size:clamp(1.8rem,3vw,2.6rem);margin-bottom:12px}.section-title.white{color:var(--white)}.section-sub{color:var(--muted);font-size:1rem;line-height:1.7;max-width:560px;margin-bottom:48px}.section-sub.white{color:#ffffffbf}.text-center{text-align:center}.text-center .section-sub{margin-left:auto;margin-right:auto}.cards-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.card{background:var(--white);border:1px solid var(--border);border-radius:16px;padding:28px 24px;transition:.3s}.card:hover{box-shadow:0 12px 40px #004c881f;transform:translateY(-4px);border-color:var(--blue-light)}.card-icon{width:48px;height:48px;background:var(--blue-pale);border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:1.4rem;margin-bottom:16px}.card h3{font-size:1rem;font-weight:700;margin-bottom:8px}.card p{font-size:.87rem;color:var(--muted);line-height:1.65}.btn{display:inline-flex;align-items:center;gap:8px;padding:14px 28px;border-radius:10px;font-size:.92rem;font-weight:600;cursor:pointer;transition:.2s;text-decoration:none;font-family:inherit;border:none}.btn-primary{background:var(--blue);color:var(--white)}.btn-primary:hover{background:var(--blue-dark)}.btn-gold{background:var(--gold);color:var(--white)}.btn-gold:hover{background:#b8943a}.btn-white-outline{background:transparent;color:var(--white);border:2px solid rgba(255,255,255,.4)}.btn-white-outline:hover{background:#ffffff1a}.btn-center{display:flex;justify-content:center;margin-top:40px}button,.btn,.hero-cta-item,.offering-card,.tool-tab,.media-card{touch-action:manipulation;-webkit-tap-highlight-color:transparent}.offerings-cta-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.offering-card{border:1px solid var(--border);border-radius:16px;padding:30px 24px;cursor:pointer;transition:.3s;display:flex;align-items:flex-start;gap:16px;text-decoration:none;color:var(--text)}.offering-card:hover{background:var(--blue);color:var(--white);border-color:var(--blue);transform:translateY(-4px);box-shadow:0 16px 40px #004c8833}.offering-card:hover .offering-icon{background:#fff3}.offering-card:hover p{color:#fffc}.offering-icon{width:72px;height:72px;flex-shrink:0;background:var(--blue-pale);border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:1.4rem;transition:.3s}.offering-card h3{font-size:1rem;font-weight:700;margin-bottom:6px}.offering-card p{font-size:.85rem;color:var(--muted);line-height:1.6;transition:.3s}.team-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,300px));gap:24px;justify-content:center}.team-card{border:1px solid var(--border);border-radius:16px;overflow:hidden;text-align:center;transition:.3s}.team-card:hover{box-shadow:0 12px 40px #004c881f;transform:translateY(-4px)}.team-avatar{width:100%;height:180px;background:linear-gradient(135deg,var(--blue-pale),#c8ddf2);display:flex;align-items:center;justify-content:center;font-size:3rem}.team-info{padding:20px 16px 22px}.team-info h3{font-size:1rem;font-weight:700;margin-bottom:4px}.team-info .role{font-size:.8rem;color:var(--blue);font-weight:600;margin-bottom:8px}.team-info .bio{font-size:.8rem;color:var(--muted);line-height:1.6;margin-bottom:12px}.team-info a{font-size:.8rem;color:var(--blue);text-decoration:none}.media-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.media-card{border-radius:14px;overflow:hidden;border:1px solid var(--border);transition:.3s;cursor:pointer;text-decoration:none;color:var(--text);background:var(--white);display:flex;flex-direction:column}.media-card:hover{transform:translateY(-4px);box-shadow:0 12px 40px #004c881f}.media-thumb{position:relative;width:100%;aspect-ratio:16 / 9;overflow:hidden;border-radius:14px 14px 0 0}.media-thumb img{width:100%;height:100%;object-fit:cover;object-position:center center}.play-btn{position:absolute;top:50%;left:50%;transform:translate(-50%,-50%);width:54px;height:54px;background:#fff3;border-radius:50%;display:flex;align-items:center;justify-content:center;border:2px solid rgba(255,255,255,.4);font-size:1.4rem;color:var(--white);transition:.2s}.media-thumb-overlay{position:absolute;inset:0;background:#00000040}.media-card:hover .play-btn{background:var(--gold);border-color:var(--gold)}.media-card-body{padding:16px;flex:1;background:var(--white)}.media-card-body h4{font-size:1.25rem;font-weight:700;margin-bottom:.75rem;color:var(--primary);line-height:1.3}.media-card-body p{font-size:.8rem;color:var(--muted)}.trust-stat-num{font-size:clamp(1.8rem,3vw,2.4rem);font-weight:700;color:var(--blue);line-height:1.1}.trust-stat-label{font-size:.82rem;color:var(--muted);margin-top:6px;line-height:1.4}.trust-card{padding:28px 20px;border-radius:12px;background:var(--off-white)}.nw-calc{max-width:700px;margin:0 auto;background:var(--white);border:1px solid var(--border);border-radius:20px;padding:40px}.nw-row{display:flex;justify-content:space-between;align-items:center;padding:12px 0;border-bottom:1px solid var(--border)}.nw-row:last-of-type{border-bottom:none}.nw-row label{font-size:.9rem;font-weight:500}.nw-row input{width:160px;padding:10px 14px;border:1.5px solid var(--border);border-radius:8px;font-size:.9rem;font-family:inherit;text-align:right;outline:none}.nw-row input:focus{border-color:var(--blue)}.nw-result{background:var(--blue);color:var(--white);border-radius:14px;padding:24px 28px;margin-top:24px;display:flex;justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap}.nw-result .label{font-size:.9rem;opacity:.8}.nw-result .amount{font-family:Playfair Display,serif;font-size:2rem;font-weight:700}.tools-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:24px;max-width:1100px;margin:0 auto}.tool-card{background:var(--white);border:1px solid var(--border);border-radius:20px;overflow:hidden;transition:.3s}.tool-card:hover{box-shadow:0 16px 48px #004c8821;transform:translateY(-3px)}.tool-card-header{background:var(--blue);padding:22px 28px;display:flex;align-items:center;gap:14px}.t-icon{width:44px;height:44px;background:#ffffff26;border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:1.4rem;flex-shrink:0}.tool-card-header h3{font-family:Playfair Display,serif;font-size:1.15rem;color:var(--white);margin:0}.tool-card-header p{font-size:.8rem;color:#ffffffb3;margin-top:2px}.tool-body{padding:28px}.tool-row{display:flex;align-items:center;justify-content:space-between;padding:10px 0;border-bottom:1px solid var(--border);gap:12px}.tool-row:last-of-type{border-bottom:none}.tool-row label{font-size:.88rem;font-weight:500;flex:1}.tool-row input,.tool-row select{width:160px;padding:9px 12px;border:1.5px solid var(--border);border-radius:8px;font-size:.88rem;font-family:inherit;text-align:right;outline:none;transition:.2s;flex-shrink:0}.tool-row input:focus,.tool-row select:focus{border-color:var(--blue);box-shadow:0 0 0 3px #004c8814}.tool-row select{text-align:left}.tool-result-box{background:var(--blue);border-radius:14px;padding:20px 22px;margin-top:20px}.tool-result-box .res-label{font-size:.8rem;color:#ffffffb3;margin-bottom:2px}.tool-result-box .res-value{font-family:Playfair Display,serif;font-size:1.7rem;color:var(--white);font-weight:700}.tool-result-box .res-sub{font-size:.78rem;color:#fff9;margin-top:4px}.tool-results-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:20px}.tool-result-mini{background:var(--blue-pale);border-radius:12px;padding:14px 16px}.rm-label{font-size:.75rem;color:var(--muted);font-weight:600;text-transform:uppercase;letter-spacing:.05em;margin-bottom:4px}.rm-value{font-size:1.1rem;font-weight:700;color:var(--blue)}.tool-result-mini.highlight{background:var(--blue)}.tool-result-mini.highlight .rm-label{color:#ffffffb3}.tool-result-mini.highlight .rm-value{color:var(--white)}.tool-result-mini.good{background:#e6f4ec}.tool-result-mini.good .rm-value{color:#1a7a3e}.tool-result-mini.warn{background:#fff8e6}.tool-result-mini.warn .rm-value{color:#b07d00}.tool-divider{height:1px;background:var(--border);margin:16px 0}.tool-section-label{font-size:.78rem;font-weight:700;text-transform:uppercase;letter-spacing:.07em;color:var(--blue);margin:16px 0 8px}.calc-bar{height:12px;border-radius:6px;background:var(--border);margin-top:8px;overflow:hidden}.calc-bar-fill{height:100%;border-radius:6px;background:linear-gradient(90deg,var(--blue),var(--blue-light));transition:width .6s ease}.modal-overlay{display:none;position:fixed;inset:0;background:#00000080;z-index:2000;overflow-y:auto;padding:40px 20px;-webkit-backdrop-filter:blur(4px);backdrop-filter:blur(4px)}.modal-overlay.open{display:block}.modal{background:var(--white);max-width:900px;margin:0 auto;border-radius:20px;overflow:hidden;box-shadow:0 30px 80px #0000004d}.modal-header{background:var(--blue);padding:36px 40px 28px;display:flex;align-items:flex-start;justify-content:space-between;gap:20px}.modal-header-text h2{font-family:Playfair Display,serif;font-size:1.9rem;color:var(--white);margin-bottom:6px}.modal-header-text p{color:#ffffffbf;font-size:.95rem}.modal-close{background:#ffffff26;border:none;width:36px;height:36px;border-radius:50%;cursor:pointer;color:var(--white);font-size:1.2rem;display:flex;align-items:center;justify-content:center;flex-shrink:0;transition:.2s}.modal-close:hover{background:#ffffff4d}.modal-body{padding:40px}.modal-cards{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin-bottom:32px}.modal-cards.modal-cards-3col{grid-template-columns:repeat(3,1fr)}.modal-card{border:1px solid var(--border);border-radius:12px;padding:22px 18px}.modal-card .card-icon{margin-bottom:12px}.modal-card h4{font-size:.92rem;font-weight:700;margin-bottom:6px}.modal-card p,.modal-card ul{font-size:.84rem;color:var(--muted);line-height:1.65}.modal-card ul{list-style:none;padding:0}.modal-card ul li{padding:3px 0 3px 14px;position:relative}.modal-card ul li:before{content:"â€¢";position:absolute;left:0;color:var(--blue)}.form-wrap{max-width:580px;margin:0 auto}.form-group{margin-bottom:20px}.form-group label{display:block;font-size:.85rem;font-weight:600;margin-bottom:6px}.form-group input,.form-group select,.form-group textarea{width:100%;padding:13px 16px;border:1.5px solid var(--border);border-radius:10px;font-size:.9rem;font-family:inherit;color:var(--text);outline:none;transition:.2s;background:var(--white)}.form-group input:focus,.form-group select:focus,.form-group textarea:focus{border-color:var(--blue);box-shadow:0 0 0 3px #004c881a}.form-group textarea{resize:vertical;min-height:100px}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}.radio-group{display:flex;gap:12px;flex-wrap:wrap}.radio-opt{display:flex;align-items:center;gap:6px;font-size:.88rem;cursor:pointer}.radio-opt input{width:auto}.form-success{display:none;text-align:center;padding:50px 30px}.form-success.show{display:block}.form-success .success-icon{font-size:4rem;margin-bottom:20px}.form-success h3{font-family:Playfair Display,serif;font-size:1.6rem;margin-bottom:12px;color:var(--blue)}.form-success p{color:var(--muted);line-height:1.7}.question-box{max-width:640px;margin:0 auto;text-align:center}.question-box textarea{width:100%;padding:18px 20px;border:1.5px solid var(--border);border-radius:14px;font-size:.95rem;font-family:inherit;color:var(--text);outline:none;resize:vertical;min-height:130px;margin-bottom:16px;transition:.2s}.question-box textarea:focus{border-color:var(--blue);box-shadow:0 0 0 3px #004c881a}.ig-feed-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:40px}.ig-placeholder{aspect-ratio:1;border-radius:12px;background:linear-gradient(135deg,var(--blue-pale),#c8ddf2);display:flex;align-items:center;justify-content:center;font-size:1.5rem;color:var(--blue);transition:.3s;cursor:pointer;text-decoration:none}.ig-placeholder:hover{transform:scale(1.03);box-shadow:0 8px 24px #004c8826}.social-bar{display:flex;justify-content:center;gap:16px;margin-top:32px}.social-icon{width:48px;height:48px;border-radius:12px;background:var(--blue-pale);display:flex;align-items:center;justify-content:center;font-size:1.3rem;color:var(--blue);text-decoration:none;transition:.3s}.social-icon:hover{background:var(--blue);color:var(--white);transform:translateY(-3px)}footer{background:var(--blue-dark);color:#ffffffbf;padding:48px 5% 24px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:40px;margin-bottom:40px}.footer-brand p{font-size:.85rem;line-height:1.7;margin-top:16px}.footer-col h4{font-size:.85rem;font-weight:700;color:var(--white);margin-bottom:14px;letter-spacing:.04em;text-transform:uppercase}.footer-col ul{list-style:none}.footer-col ul li{margin-bottom:8px}.footer-col ul li a{color:#ffffffa6;text-decoration:none;font-size:.85rem;transition:.2s;cursor:pointer}.footer-col ul li a:hover{color:var(--white)}.footer-bottom{border-top:1px solid rgba(255,255,255,.1);padding-top:22px;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:12px}.footer-bottom p{font-size:.8rem;color:#ffffff80}.footer-socials{display:flex;gap:10px;margin-top:16px}.footer-social{width:36px;height:36px;background:#ffffff14;border-radius:8px;display:flex;align-items:center;justify-content:center;color:#ffffffb3;text-decoration:none;font-size:1rem;transition:.2s}.footer-social:hover{background:#fff3;color:var(--white)}@media(max-width:768px){nav{padding:0 4%}.nav-links{display:none}.hamburger{display:flex}.reviews-grid,.cards-grid{grid-template-columns:repeat(2,1fr)}.offerings-cta-grid{grid-template-columns:1fr 1fr}.modal-cards.modal-cards-3col{grid-template-columns:repeat(2,1fr)}.provider-logo,.provider-logo.logo-small,.provider-logo.logo-large,.provider-logo.logo-xl{height:70px!important;max-width:140px!important}.provider-logo.logo-sirago{height:30px!important;max-width:90px!important}.provider-logo.logo-profmed{height:42px!important;max-width:100px!important}.provider-logo.logo-pps{height:110px!important;max-width:190px!important}.provider-logo.logo-momentum{height:90px!important;max-width:160px!important}.provider-logo.logo-autoandgeneral{height:95px!important;max-width:170px!important}}@media(max-width:900px){.hero-ctas{grid-template-columns:repeat(3,1fr);padding:20px 16px;gap:10px}.offerings-cta-grid,.media-grid,.footer-grid{grid-template-columns:1fr 1fr}.tools-grid{grid-template-columns:1fr}.tool-card[style*="span 2"]{grid-column:span 1!important}}@media(max-width:640px){.section{padding:40px 4%}input,select,textarea{font-size:16px!important}.provider-logo,.provider-logo.logo-small,.provider-logo.logo-large,.provider-logo.logo-xl{height:60px!important;max-width:120px!important}.provider-logo.logo-sirago{height:25px!important;max-width:80px!important}.provider-logo.logo-profmed{height:35px!important;max-width:90px!important}.provider-logo.logo-pps{height:100px!important;max-width:180px!important}.provider-logo.logo-momentum{height:80px!important;max-width:150px!important}.provider-logo.logo-autoandgeneral{height:85px!important;max-width:160px!important}.page-hero{padding-top:96px!important;padding-bottom:36px!important}.hero{min-height:auto}.contact-grid{grid-template-columns:1fr!important;gap:32px!important}.form-row{grid-template-columns:1fr!important}.trust-grid{grid-template-columns:1fr!important;max-width:100%!important}.card{padding:20px 16px}.section-sub{max-width:100%!important}.section-title{font-size:1.6rem}.section-sub{font-size:.9rem;margin-bottom:28px}.hero-text{padding-bottom:30px}.hero p{font-size:.92rem}.hero-search{max-width:100%}.hero-search input{padding:14px 12px}.hero-search button{padding:14px 16px;font-size:.9rem}.hero-ctas{grid-template-columns:repeat(3,1fr);padding:16px 12px;gap:8px}.hero-cta-item{padding:14px 10px}.hero-cta-icon{width:36px;height:36px;font-size:1.1rem}.hero-cta-item span{font-size:.72rem}.trust-stat-num{font-size:1.5rem}.trust-stat-label{font-size:.75rem}.trust-card{padding:18px 12px}.carousel-track{gap:0}.carousel-item{width:130px}.cards-grid,.team-grid{grid-template-columns:1fr}.team-card{max-width:340px;margin-left:auto;margin-right:auto}.team-avatar{height:220px}.team-avatar img{image-rendering:auto;transform:translateZ(0)}.offerings-cta-grid,.media-grid{grid-template-columns:1fr}.ig-feed-grid{grid-template-columns:repeat(2,1fr)}.footer-grid{grid-template-columns:1fr}.footer-bottom{flex-direction:column;text-align:center}.form-row{grid-template-columns:1fr}.modal-overlay{padding:20px 12px}.modal-header{padding:20px 18px}.modal-header-text h2{font-size:1.4rem}.modal-body{padding:18px}.modal-cards,.modal-cards.modal-cards-3col{grid-template-columns:1fr}.ins-inner{grid-template-columns:1fr!important}.tool-row{flex-direction:column;align-items:flex-start}.tool-row input,.tool-row select{width:100%;text-align:left}.tool-results-grid{grid-template-columns:1fr}.nw-calc{padding:20px 16px}.nw-row{flex-direction:column;align-items:flex-start}.nw-row input{width:100%;text-align:left}.tools-grid{grid-template-columns:1fr}.tool-body{padding:18px}.btn{padding:12px 20px;font-size:.88rem}.reviews-grid{display:flex;overflow-x:auto;scroll-snap-type:x mandatory;-webkit-overflow-scrolling:touch;gap:16px;padding-bottom:12px;scrollbar-width:none}.reviews-grid::-webkit-scrollbar{display:none}.review-card{min-width:80vw;scroll-snap-align:start;flex-shrink:0}.partner-logos{gap:24px}.partner-logo{height:55px}.partners-section{display:none}.partner-collage{gap:12px}.partner-collage-item{width:100px;height:50px}.partner-collage-item img{width:100%;height:100%;object-fit:contain}.whatsapp-fab{bottom:18px;right:18px;width:52px;height:52px}}.reviews-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.review-card{background:var(--white);border:1px solid var(--border);border-radius:16px;padding:28px 24px;display:flex;flex-direction:column;gap:16px}.review-stars{color:var(--gold);font-size:1.1rem;letter-spacing:2px}.review-text{font-size:.88rem;color:var(--text);line-height:1.7;flex:1;font-style:italic}.review-author{display:flex;align-items:center;gap:12px}.review-avatar{width:40px;height:40px;border-radius:50%;background:var(--blue);color:var(--white);display:flex;align-items:center;justify-content:center;font-weight:700;font-size:1rem;flex-shrink:0}.review-name{font-size:.88rem;font-weight:700;color:var(--text)}.review-role{font-size:.78rem;color:var(--muted)}.partner-logos{display:flex;align-items:center;justify-content:center;gap:48px;flex-wrap:wrap;margin-top:40px}.partner-logo{height:80px;max-width:200px;object-fit:contain;opacity:.85;transition:.2s}.partner-logo:hover{opacity:1}.partner-collage{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;width:100%;margin:40px auto 0}.partner-collage-item{background:transparent;border:none;width:100%;height:100px;display:flex;align-items:center;justify-content:center;transition:.3s}.partner-collage-item:hover{transform:translateY(-3px)}.partner-collage-item img{width:100%;height:100%;object-fit:contain;opacity:.9;transition:.2s}.partner-collage-item:hover img{opacity:1}.whatsapp-fab{position:fixed;bottom:28px;right:28px;z-index:9000;width:58px;height:58px;background:#25d366;color:var(--white);border-radius:50%;display:flex;align-items:center;justify-content:center;box-shadow:0 4px 20px #25d36673;transition:.25s;text-decoration:none}.whatsapp-fab:hover{background:#1ebe5d;transform:scale(1.08);box-shadow:0 6px 28px #25d3668c}.tool-tab{background:var(--white);border:1.5px solid var(--border);border-radius:10px;padding:10px 20px;font-size:.88rem;font-weight:600;color:var(--text);cursor:pointer;transition:.2s;font-family:DM Sans,sans-serif}.tool-tab:hover{border-color:var(--blue);color:var(--blue)}.tool-tab.active{background:var(--blue);color:var(--white);border-color:var(--blue)}@keyframes fadeUp{0%{opacity:0;transform:translateY(24px)}to{opacity:1;transform:translateY(0)}}.fade-up{animation:fadeUp .6s ease both}.delay-1{animation-delay:.1s}.delay-2{animation-delay:.2s}.delay-3{animation-delay:.3s}
