/*! tailwindcss v4.2.1 | MIT License | https://tailwindcss.com */
@layer theme{:root,:host{--font-sans:ui-sans-serif, system-ui, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji";--font-mono:ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", "Courier New", monospace;--spacing:.25rem;--default-font-family:var(--font-sans);--default-mono-font-family:var(--font-mono)}}@layer base{*,:after,:before,::backdrop{box-sizing:border-box;border:0 solid;margin:0;padding:0}::file-selector-button{box-sizing:border-box;border:0 solid;margin:0;padding:0}html,:host{-webkit-text-size-adjust:100%;tab-size:4;line-height:1.5;font-family:var(--default-font-family,ui-sans-serif, system-ui, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji");font-feature-settings:var(--default-font-feature-settings,normal);font-variation-settings:var(--default-font-variation-settings,normal);-webkit-tap-highlight-color:transparent}hr{height:0;color:inherit;border-top-width:1px}abbr:where([title]){-webkit-text-decoration:underline dotted;text-decoration:underline dotted}h1,h2,h3,h4,h5,h6{font-size:inherit;font-weight:inherit}a{color:inherit;-webkit-text-decoration:inherit;-webkit-text-decoration:inherit;-webkit-text-decoration:inherit;-webkit-text-decoration:inherit;text-decoration:inherit}b,strong{font-weight:bolder}code,kbd,samp,pre{font-family:var(--default-mono-font-family,ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", "Courier New", monospace);font-feature-settings:var(--default-mono-font-feature-settings,normal);font-variation-settings:var(--default-mono-font-variation-settings,normal);font-size:1em}small{font-size:80%}sub,sup{vertical-align:baseline;font-size:75%;line-height:0;position:relative}sub{bottom:-.25em}sup{top:-.5em}table{text-indent:0;border-color:inherit;border-collapse:collapse}:-moz-focusring{outline:auto}progress{vertical-align:baseline}summary{display:list-item}ol,ul,menu{list-style:none}img,svg,video,canvas,audio,iframe,embed,object{vertical-align:middle;display:block}img,video{max-width:100%;height:auto}button,input,select,optgroup,textarea{font:inherit;font-feature-settings:inherit;font-variation-settings:inherit;letter-spacing:inherit;color:inherit;opacity:1;background-color:#0000;border-radius:0}::file-selector-button{font:inherit;font-feature-settings:inherit;font-variation-settings:inherit;letter-spacing:inherit;color:inherit;opacity:1;background-color:#0000;border-radius:0}:where(select:is([multiple],[size])) optgroup{font-weight:bolder}:where(select:is([multiple],[size])) optgroup option{padding-inline-start:20px}::file-selector-button{margin-inline-end:4px}::placeholder{opacity:1}@supports (not ((-webkit-appearance:-apple-pay-button))) or (contain-intrinsic-size:1px){::placeholder{color:currentColor}@supports (color:color-mix(in lab, red, red)){::placeholder{color:color-mix(in oklab, currentcolor 50%, transparent)}}}textarea{resize:vertical}::-webkit-search-decoration{-webkit-appearance:none}::-webkit-date-and-time-value{min-height:1lh;text-align:inherit}::-webkit-datetime-edit{display:inline-flex}::-webkit-datetime-edit-fields-wrapper{padding:0}::-webkit-datetime-edit{padding-block:0}::-webkit-datetime-edit-year-field{padding-block:0}::-webkit-datetime-edit-month-field{padding-block:0}::-webkit-datetime-edit-day-field{padding-block:0}::-webkit-datetime-edit-hour-field{padding-block:0}::-webkit-datetime-edit-minute-field{padding-block:0}::-webkit-datetime-edit-second-field{padding-block:0}::-webkit-datetime-edit-millisecond-field{padding-block:0}::-webkit-datetime-edit-meridiem-field{padding-block:0}::-webkit-calendar-picker-indicator{line-height:1}:-moz-ui-invalid{box-shadow:none}button,input:where([type=button],[type=reset],[type=submit]){appearance:button}::file-selector-button{appearance:button}::-webkit-inner-spin-button{height:auto}::-webkit-outer-spin-button{height:auto}[hidden]:where(:not([hidden=until-found])){display:none!important}}@layer components;@layer utilities{.visible{visibility:visible}.relative{position:relative}.start{inset-inline-start:var(--spacing)}.table{display:table}.antialiased{-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}}:root{--teal:#0b2348;--teal-dark:#06152f;--cream:#f8f6f0;--white:#fff;--coral:#b58a2e;--mint:#edf0f5;--slate:#617087;--ink:#0b2348;--line:#d9dee8}*{box-sizing:border-box}html{scroll-behavior:smooth}body{background:var(--cream);color:var(--ink);margin:0;font-family:Manrope,Inter,Arial,sans-serif}a{color:inherit;text-decoration:none}button,input,textarea{font:inherit}h1,h2,h3,p{margin-top:0}h1,h2,h3{letter-spacing:-.045em}h1{font-size:clamp(3.5rem,6vw,6.7rem);line-height:.94}h2{font-size:clamp(2.5rem,4.4vw,4.6rem);line-height:1.02}h3{font-size:1.65rem;line-height:1.1}.eyebrow{letter-spacing:.16em;text-transform:uppercase;color:#32736d;font-size:.78rem;font-weight:800}.button{cursor:pointer;border:0;border-radius:14px;justify-content:center;align-items:center;gap:1rem;padding:1rem 1.45rem;font-weight:800;transition:all .2s;display:inline-flex}.button:hover{transform:translateY(-2px)}.button.coral{background:var(--coral);color:#fff;box-shadow:0 10px 30px #f26b5b33}.button.coral:hover{background:#e75b4c}.button.dark{background:var(--teal-dark);color:#fff}.button.large{padding:1.2rem 1.8rem;font-size:1.05rem}.text-link{border-bottom:1px solid;padding:.3rem 0;font-weight:800}.text-link.light{color:#fff}.site-header{background:var(--teal-dark);color:#fff;z-index:20;justify-content:space-between;align-items:center;height:88px;padding:0 clamp(1.25rem,4.5vw,4.5rem);display:flex;position:relative}.site-header.overlay{background:0 0;position:absolute;inset:0 0 auto}.brand{letter-spacing:-.03em;align-items:center;gap:.8rem;font-size:clamp(1rem,1.6vw,1.45rem);font-weight:850;display:flex}.brand-mark{color:#acd8cf;font-size:2.6rem;font-weight:900;line-height:1;position:relative}.brand-mark span{background:var(--coral);clip-path:polygon(0 0,100% 100%,0 100%);width:13px;height:13px;display:block;position:absolute;bottom:1px;left:2px}.site-header nav{gap:clamp(1.2rem,2.8vw,2.8rem);font-weight:700;display:flex}.site-header nav a{position:relative}.site-header nav a:after{content:"";background:var(--coral);height:2px;transition:all .2s;position:absolute;bottom:-7px;left:0;right:100%}.site-header nav a:hover:after{right:0}.hero{background:var(--teal-dark);color:#fff;grid-template-columns:47% 53%;min-height:900px;display:grid;position:relative;overflow:hidden}.hero-copy{z-index:3;background:linear-gradient(135deg,var(--teal-dark),var(--teal));clip-path:polygon(0 0,100% 0,80% 100%,0 100%);padding:190px 4.5rem 250px;position:relative}.hero-copy h1{margin:1rem 0 1.5rem}.hero-lead{max-width:520px;font-size:clamp(1.2rem,2vw,1.65rem);line-height:1.42}.hero-actions{align-items:center;gap:1.6rem;margin-top:2rem;display:flex}.trust-line{align-items:center;gap:1rem;margin-top:2.5rem;font-size:.9rem;line-height:1.5;display:flex}.trust-icon{width:52px;height:52px;color:var(--teal);background:#cce7e1;border-radius:50%;place-items:center;font-size:1.8rem;display:grid}.hero-image{background:linear-gradient(90deg,#062e2d12,#0000),url(/hero-insurance.png) 50%/cover no-repeat;margin-left:-21%}.coverage-strip{z-index:5;grid-template-columns:repeat(4,1fr);gap:1.1rem;display:grid;position:absolute;bottom:55px;left:36%;right:5.5%}.coverage-card{min-height:172px;color:var(--ink);background:#fff;border-radius:16px;flex-direction:column;align-items:flex-start;padding:1.25rem;transition:all .2s;display:flex;box-shadow:0 14px 40px #062e2d33}.coverage-card:hover{transform:translateY(-6px)}.coverage-icon{background:var(--mint);border-radius:50%;place-items:center;width:48px;height:48px;font-size:1.5rem;display:grid}.coverage-card strong{margin:.65rem 0 .25rem;font-size:1.2rem}.coverage-card small{color:var(--slate);line-height:1.35}.section{padding:clamp(5rem,8vw,8rem) clamp(1.5rem,7vw,7rem)}.section.intro{grid-template-columns:1.2fr .8fr;align-items:end;gap:5rem;display:grid}.section h2{margin:.8rem 0 0}.section-lead{color:var(--slate);max-width:650px;font-size:1.2rem;line-height:1.7}.service-panels{grid-template-columns:1fr 1fr;display:grid}.service-panel{min-height:720px;padding:clamp(3rem,6vw,6rem);position:relative;overflow:hidden}.service-panel h3{margin:1rem 0;font-size:clamp(2.5rem,4vw,4.2rem)}.service-panel p:not(.eyebrow){max-width:520px;font-size:1.1rem;line-height:1.65}.service-panel ul{gap:1rem;margin:2.4rem 0;padding:0;font-weight:750;list-style:none;display:grid}.service-panel li:before{content:"✓";color:var(--coral);margin-right:.8rem}.personal-panel{background:var(--mint)}.commercial-panel{background:var(--teal);color:#fff}.panel-number{opacity:.06;font-size:9rem;font-weight:900;position:absolute;top:1rem;right:2rem}.process{background:#fff}.process-heading{max-width:780px}.steps{grid-template-columns:repeat(3,1fr);gap:2rem;margin-top:4rem;display:grid}.step{border-top:3px solid var(--coral);padding:2rem 1rem 1rem 0}.step span{color:var(--coral);font-weight:800}.step p{color:var(--slate);line-height:1.7}.cta-band{background:var(--teal-dark);color:#fff;justify-content:space-between;align-items:center;gap:3rem;padding:4rem clamp(1.5rem,7vw,7rem);display:flex}.cta-band h2{max-width:850px;margin:.7rem 0 0;font-size:clamp(2rem,3.3vw,3.6rem)}.site-footer{color:#fff;background:#041f1e;padding:5rem clamp(1.5rem,7vw,7rem) 2rem}.footer-main{grid-template-columns:2fr repeat(3,1fr);gap:3rem;display:grid}.footer-main>div{flex-direction:column;gap:.8rem;display:flex}.footer-main p{color:#a9bfba;margin:0;line-height:1.7}.footer-main a:not(.brand){color:#c7d7d3}.footer-bottom{color:#819b96;border-top:1px solid #274341;justify-content:space-between;gap:2rem;margin-top:4rem;padding-top:1.5rem;font-size:.78rem;display:flex}.page-hero{grid-template-columns:1.05fr .95fr;align-items:center;gap:5rem;min-height:690px;padding:6rem clamp(1.5rem,7vw,7rem);display:grid}.page-hero h1{margin:1rem 0 1.5rem;font-size:clamp(3.5rem,5.8vw,6rem)}.page-hero>div>p:not(.eyebrow){max-width:680px;font-size:1.25rem;line-height:1.65}.page-hero.mint{background:var(--mint)}.page-hero.dark{background:var(--teal);color:#fff}.abstract-scene{background:linear-gradient(135deg,var(--teal),#11615d);border-radius:30px;min-height:460px;position:relative;overflow:hidden;box-shadow:0 30px 70px #062e2d2e}.abstract-scene:before,.abstract-scene:after{content:"";background:var(--coral);border-radius:50%;position:absolute}.abstract-scene:before{width:290px;height:290px;top:-80px;right:-70px}.abstract-scene:after{background:#acd8cf;width:180px;height:180px;bottom:35px;left:50px}.abstract-scene span{z-index:2;color:#fff;letter-spacing:.12em;margin:3rem;font-size:2.7rem;font-weight:900;display:block;position:relative}.section.centered{text-align:center}.section.centered .section-lead{margin:1.5rem auto 0}.product-grid{grid-template-columns:repeat(3,1fr);gap:1.4rem;padding:0 clamp(1.5rem,7vw,7rem) 7rem;display:grid}.product-grid.commercial-products{grid-template-columns:repeat(4,1fr)}.product-card{border:1px solid var(--line);background:#fff;border-radius:20px;flex-direction:column;min-height:330px;padding:2.2rem;display:flex}.product-card h3{margin:2rem 0 1rem}.product-card p{color:var(--slate);line-height:1.7}.product-card a{color:#16736c;margin-top:auto;font-weight:800}.product-tag{letter-spacing:.17em;color:var(--coral);font-size:.72rem;font-weight:900}.split-info{background:var(--teal);color:#fff;grid-template-columns:1fr 1fr;gap:5rem;padding:6rem clamp(1.5rem,7vw,7rem);display:grid}.split-info h2{font-size:clamp(2.5rem,4vw,4.3rem)}.check-list{gap:1rem;margin:0;padding:0;list-style:none;display:grid}.check-list li{background:#ffffff14;border-radius:12px;padding:1.2rem}.check-list li:before{content:"✓";color:var(--coral);margin-right:1rem}.industry-band{text-align:center;background:var(--mint);padding:7rem 1.5rem}.industry-band h2{max-width:1000px;margin:1rem auto}.industry-band p:last-child{color:var(--slate)}.simple-hero{text-align:center;background:var(--mint);padding:8rem clamp(1.5rem,12vw,12rem)}.simple-hero h1{max-width:1100px;margin:1rem auto 1.5rem;font-size:clamp(3.5rem,6vw,6rem)}.simple-hero>p:last-child{max-width:780px;color:var(--slate);margin:auto;font-size:1.2rem;line-height:1.7}.contact-hero{background:var(--cream)}.about-grid{grid-template-columns:1fr 1fr;align-items:center;gap:6rem;padding:7rem clamp(1.5rem,7vw,7rem);display:grid}.about-grid h2{font-size:clamp(2.5rem,4vw,4.3rem)}.about-grid p:not(.eyebrow){color:var(--slate);font-size:1.05rem;line-height:1.75}.about-visual{background:linear-gradient(145deg,var(--teal),#0f6761);color:#fff;border-radius:25px;flex-direction:column;justify-content:flex-end;min-height:570px;padding:3rem;display:flex;position:relative;overflow:hidden}.about-visual:before{content:"R";opacity:.08;font-size:30rem;font-weight:900;position:absolute;top:-8rem;right:-4rem}.about-visual span{letter-spacing:.2em;color:#9ad3c8;font-size:.75rem;font-weight:900}.about-visual strong{max-width:460px;margin-top:1rem;font-size:3rem;line-height:1.05}.values{background:var(--line);grid-template-columns:repeat(3,1fr);gap:1px;display:grid}.values article{background:#fff;padding:5rem}.values span{color:var(--coral);font-weight:900}.values p{color:var(--slate);line-height:1.7}.contact-layout{grid-template-columns:.8fr 1.2fr;gap:6rem;padding:2rem clamp(1.5rem,7vw,7rem) 8rem;display:grid}.contact-details h2{font-size:3.5rem}.contact-item{border-bottom:1px solid var(--line);flex-direction:column;gap:.4rem;padding:1.4rem 0;display:flex}.contact-item span{color:var(--slate)}.contact-note{color:var(--slate);margin-top:2rem;font-size:.85rem;line-height:1.6}.contact-form,.quote-form{background:#fff;border-radius:24px;padding:clamp(1.5rem,4vw,3.5rem);box-shadow:0 20px 70px #062e2d14}.contact-form label,.quote-form label{flex-direction:column;gap:.55rem;margin-bottom:1.3rem;font-weight:750;display:flex}.contact-form input,.contact-form textarea,.quote-form input,.quote-form textarea{background:#fbfcfb;border:1px solid #bdccc8;border-radius:10px;outline:none;width:100%;padding:1rem}.contact-form input:focus,.contact-form textarea:focus,.quote-form input:focus,.quote-form textarea:focus{border-color:var(--coral);box-shadow:0 0 0 3px #f26b5b26}.contact-form small{color:var(--slate);margin-top:1rem;line-height:1.5;display:block}.quote-intro{background:var(--mint);grid-template-columns:1fr .65fr;align-items:center;gap:6rem;padding:6rem clamp(1.5rem,9vw,9rem);display:grid}.quote-intro h1{margin:1rem 0;font-size:clamp(3.5rem,5vw,5.5rem)}.quote-intro p{color:var(--slate);font-size:1.15rem;line-height:1.7}.quote-promise{background:var(--teal);color:#fff;border-radius:20px;flex-direction:column;gap:1rem;padding:2.5rem;display:flex}.quote-promise strong{margin-bottom:.5rem;font-size:1.4rem}.quote-wrap{padding:6rem clamp(1.5rem,17vw,17rem)}.quote-form fieldset{border:0;margin:0 0 3.5rem;padding:0}.quote-form legend{margin-bottom:1.4rem;font-size:1.6rem;font-weight:850}.choice-grid{grid-template-columns:repeat(3,1fr);gap:.8rem;display:grid}.choice{margin:0!important}.choice input{opacity:0;width:1px;position:absolute}.choice span{border:1px solid var(--line);background:#f8faf8;border-radius:12px;padding:1.2rem}.choice input:checked+span{border-color:var(--coral);color:#a83d31;background:#fff2ef}.form-grid{grid-template-columns:1fr 1fr;gap:1.2rem;display:grid}.form-grid .wide{grid-column:1/-1}.consent{align-items:flex-start;flex-direction:row!important}.consent input{width:auto;margin-top:.3rem}.consent span{color:var(--slate);font-weight:500}.form-disclaimer{color:var(--slate);max-width:700px;font-size:.78rem;line-height:1.6}@media (width<=1000px){.site-header nav{display:none}.hero{grid-template-columns:1fr}.hero-copy{clip-path:none;padding:150px 2rem 300px}.hero-image{opacity:.15;margin:0;position:absolute;inset:0}.coverage-strip{grid-template-columns:repeat(2,1fr);left:2rem;right:2rem}.section.intro,.service-panels,.page-hero,.split-info,.about-grid,.contact-layout,.quote-intro{grid-template-columns:1fr}.product-grid.commercial-products{grid-template-columns:repeat(2,1fr)}.footer-main{grid-template-columns:1fr 1fr}.page-hero{gap:2rem}.abstract-scene{min-height:330px}.about-grid{gap:3rem}.values{grid-template-columns:1fr}.values article{padding:3rem}.contact-layout{gap:3rem}}@media (width<=650px){h1{font-size:3.6rem}.site-header{height:76px;padding:0 1rem}.brand>span:last-child{font-size:.92rem}.brand-mark{font-size:2rem}.header-cta{padding:.75rem .9rem;font-size:.76rem}.hero{min-height:1020px}.hero-copy{padding:125px 1.25rem 480px}.hero-actions{flex-direction:column;align-items:flex-start}.coverage-strip{grid-template-columns:1fr 1fr;bottom:30px;left:1.25rem;right:1.25rem}.coverage-card{min-height:170px}.section{padding:4.5rem 1.25rem}.section.intro{gap:2rem}.service-panel{min-height:auto;padding:4rem 1.25rem}.steps,.product-grid,.product-grid.commercial-products,.form-grid,.choice-grid{grid-template-columns:1fr}.cta-band{flex-direction:column;align-items:flex-start;padding:3.5rem 1.25rem}.footer-main{grid-template-columns:1fr}.footer-bottom{flex-direction:column}.page-hero,.simple-hero,.about-grid,.contact-layout,.quote-intro,.quote-wrap{padding-left:1.25rem;padding-right:1.25rem}.product-grid{padding:0 1.25rem 4rem}.about-visual{min-height:430px}.about-visual strong{font-size:2.2rem}.quote-wrap{padding-top:3rem;padding-bottom:3rem}}@media (prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}.hero-image{background-position:62% 42%}.button.gold{background:var(--coral);color:#fff;box-shadow:0 10px 30px #b58a2e3d}.button.coral:hover,.button.gold:hover{background:#9d7624}.eyebrow{color:#9a741f}.eyebrow.light{color:#d6b45f}.brand-logo{object-fit:contain;filter:drop-shadow(0 3px 8px #00000038);background:0 0;border-radius:0;width:82px;height:68px}.footer-logo{width:100px;height:82px}.site-header .brand{gap:1rem}.site-header .brand>span{letter-spacing:.02em;font-family:Georgia,Times New Roman,serif}@media (width<=650px){.brand-logo{width:62px;height:52px}.site-header .brand{gap:.55rem}.site-header .brand>span,.header-cta{max-width:105px;line-height:1.05}}.abstract-scene{background:linear-gradient(135deg,var(--teal),#173d72);box-shadow:0 30px 70px #06152f2e}.abstract-scene:after{background:#e6d7af}.business-scene{background:linear-gradient(145deg,#06152f,#173d72)}.about-visual{background:linear-gradient(145deg,var(--teal),#173d72)}.about-visual:before{display:none}.about-logo{z-index:1;opacity:.38;filter:drop-shadow(0 10px 24px #00000038);width:min(82%,460px);height:auto;position:absolute;top:1.25rem;left:50%;transform:translate(-50%)}.about-visual span,.about-visual strong{z-index:2;position:relative}.about-visual{background:var(--cream);color:var(--ink);border:1px solid #b58a2e80;box-shadow:0 16px 42px #06152f14}.about-logo{opacity:1;filter:drop-shadow(0 10px 20px #06152f1f);width:min(66%,360px);top:2rem}.about-visual span{color:#9a741f}.about-visual strong{color:var(--ink)}.family-coverage-scene{background:url(/family-coverage-scene.png) 50%/cover no-repeat;border-radius:30px;min-height:460px;box-shadow:0 30px 70px #06152f2e}@media (width<=1000px){.family-coverage-scene{min-height:390px}}@media (width<=650px){.family-coverage-scene{background-position:54%;min-height:300px}}.commercial-coverage-scene{background:url(/commercial-contractor-scene.png) 50%/cover no-repeat;border-radius:30px;min-height:460px;box-shadow:0 30px 70px #06152f3d}@media (width<=1000px){.commercial-coverage-scene{min-height:390px}}@media (width<=650px){.commercial-coverage-scene{background-position:43%;min-height:300px}}.site-header nav{align-items:center;gap:clamp(.9rem,1.7vw,1.8rem);font-size:.92rem}.nav-group{padding:2rem 0;position:relative}.nav-group>a:after{content:""!important}.nav-menu{min-width:210px;color:var(--ink);border:1px solid var(--line);opacity:0;visibility:hidden;background:#fff;border-radius:14px;padding:.7rem;transition:all .18s;display:grid;position:absolute;top:72px;left:-1.25rem;transform:translateY(-8px);box-shadow:0 18px 45px #06152f2e}.nav-menu.wide-menu{min-width:250px}.nav-menu a{white-space:nowrap;border-radius:9px;padding:.8rem .9rem}.nav-menu a:hover{background:var(--mint);color:#9a741f}.nav-menu a:after{display:none}.nav-group:hover .nav-menu,.nav-group:focus-within .nav-menu{opacity:1;visibility:visible;transform:translateY(0)}.header-actions{align-items:center;gap:1rem;display:flex}.header-phone{white-space:nowrap;font-size:.82rem;font-weight:800}.independent-feature{background:#fff;grid-template-columns:1fr 1fr;align-items:center;gap:5rem;padding:clamp(5rem,8vw,8rem) clamp(1.5rem,7vw,7rem);display:grid}.independent-feature h2{margin:.8rem 0 0}.independent-feature p:not(.eyebrow){color:var(--slate);max-width:650px;font-size:1.18rem;line-height:1.75}.independent-feature .button{margin-top:1rem}.process-link{margin-top:3rem}.expanded-products{grid-template-columns:repeat(3,1fr)}.coverage-detail-hero{background:var(--mint);padding:clamp(6rem,10vw,10rem) clamp(1.5rem,10vw,10rem)}.coverage-detail-hero.business-detail{background:linear-gradient(135deg,var(--teal-dark),var(--teal));color:#fff}.coverage-detail-hero h1{margin:1rem 0;font-size:clamp(3.8rem,7vw,7rem)}.coverage-detail-hero>p:not(.eyebrow){max-width:800px;font-size:1.3rem;line-height:1.65}.plain-language{background:#fff;padding:clamp(5rem,8vw,8rem) clamp(1.5rem,10vw,10rem)}.plain-language h2{max-width:1050px;margin:.8rem 0 0;font-size:clamp(2.2rem,4vw,4rem)}.detail-columns{grid-template-columns:repeat(2,1fr);gap:1.5rem;padding:0 clamp(1.5rem,7vw,7rem) 7rem;display:grid}.detail-columns article{background:var(--cream);border:1px solid var(--line);border-radius:20px;flex-direction:column;padding:clamp(1.5rem,4vw,3rem);display:flex}.detail-columns .dark-list{flex:1;grid-template-rows:repeat(4,minmax(64px,1fr))}.dark-list li{color:var(--ink);border:1px solid var(--line);background:#fff;align-items:center;display:flex}.process-list{padding:4rem clamp(1.5rem,10vw,10rem) 8rem}.process-list article{border-bottom:1px solid var(--line);padding:3rem 0}.process-list h2{margin:0 0 .8rem;font-size:clamp(2rem,3.5vw,3.4rem)}.process-list p{color:var(--slate);max-width:820px;font-size:1.1rem;line-height:1.75}.comparison{background:var(--line);grid-template-columns:1fr 1fr;gap:1px;display:grid}.comparison>div{background:#fff;padding:clamp(3rem,7vw,7rem)}.comparison>div:last-child{background:var(--mint)}.comparison h2{margin:1rem 0 2rem;font-size:clamp(2.4rem,4vw,4rem)}.comparison p:not(.eyebrow){color:var(--slate);font-size:1.1rem;line-height:1.75}.comparison .button{margin-top:1.5rem}.faq-list{max-width:1000px;margin:auto;padding:5rem 1.5rem 8rem}.faq-list details{border-bottom:1px solid var(--line);padding:1.5rem 0}.faq-list summary{cursor:pointer;padding-right:2rem;font-size:1.2rem;font-weight:850;list-style:none;position:relative}.faq-list summary:after{content:"+";color:var(--coral);position:absolute;right:0}.faq-list details[open] summary:after{content:"–"}.faq-list details p{color:var(--slate);max-width:800px;padding-top:1rem;line-height:1.75}.service-request-grid{grid-template-columns:repeat(4,1fr);gap:1rem;padding:5rem clamp(1.5rem,7vw,7rem);display:grid}.service-request-grid article{border:1px solid var(--line);background:#fff;border-radius:18px;flex-direction:column;min-height:260px;padding:2rem;display:flex}.service-request-grid h2{font-size:1.8rem}.service-request-grid p{color:var(--slate);line-height:1.65}.service-request-grid a{color:#9a741f;margin-top:auto;font-weight:800}.claims-section{background:var(--mint);grid-template-columns:1fr 1fr;gap:5rem;padding:7rem clamp(1.5rem,7vw,7rem);display:grid}.claims-section h2{font-size:clamp(2.6rem,4vw,4.2rem)}.claims-section p{color:var(--slate);line-height:1.75}.claims-section .button{margin-top:1rem}.form-trap{width:1px!important;height:1px!important;position:absolute!important;left:-10000px!important;overflow:hidden!important}.form-status{border-radius:10px;padding:1rem;font-weight:750}.form-status.success{color:#205b34;background:#e6f3ea}.form-status.error{color:#9b2f24;background:#fff0ed}button:disabled{opacity:.65;cursor:wait}@media (width<=1200px){.header-phone{display:none}.site-header nav{gap:1rem}}@media (width<=1000px){.independent-feature,.comparison,.claims-section{grid-template-columns:1fr}.expanded-products,.service-request-grid{grid-template-columns:repeat(2,1fr)}.detail-columns{grid-template-columns:1fr}}@media (width<=650px){.independent-feature{gap:2rem}.expanded-products,.service-request-grid{grid-template-columns:1fr}.process-list article{grid-template-columns:1fr;gap:.6rem}.detail-columns,.coverage-detail-hero{padding-left:1.25rem;padding-right:1.25rem}.claims-section{gap:2rem}}body{font-family:var(--font-geist-sans),Arial,sans-serif}h1,h2{letter-spacing:-.025em;font-family:Georgia,Times New Roman,serif;font-weight:700}h3{font-family:var(--font-geist-sans),Arial,sans-serif;letter-spacing:-.025em}button,input,textarea,select,nav,.eyebrow,.button{font-family:var(--font-geist-sans),Arial,sans-serif}.site-header,.site-header.overlay{height:104px;color:var(--ink);-webkit-backdrop-filter:blur(14px);backdrop-filter:blur(14px);background:#fffffff7;border-bottom:1px solid #0b23481a;position:sticky;inset:0 auto auto;box-shadow:0 8px 28px #06152f0d}.site-header .brand{flex:none;gap:0}.header-wordmark{object-fit:contain;width:clamp(245px,22vw,340px);height:auto;display:block}.site-header nav{color:#31415d}.site-header nav>a,.site-header .nav-group>a{font-weight:750}.site-header nav a:after{background:var(--coral)}.nav-menu{top:82px}.header-phone{color:var(--ink)}.mobile-menu{display:none}.mobile-menu summary{list-style:none}.mobile-menu summary::-webkit-details-marker{display:none}.site-footer{background:var(--teal-dark)}.footer-brand{background:#fff;border-radius:8px;width:min(100%,350px);padding:.75rem 1rem}.footer-wordmark{object-fit:contain;width:100%;height:auto;display:block}@media (width<=1200px){.header-wordmark{width:225px}}@media (width<=1000px){.site-header{padding-left:1.25rem;padding-right:1.25rem}.mobile-menu{display:block}.mobile-menu>summary{cursor:pointer;background:#fff;border:1px solid #0b23482e;border-radius:12px;place-content:center;gap:5px;width:46px;height:46px;display:grid}.mobile-menu>summary span{background:var(--teal-dark);border-radius:2px;width:22px;height:2px;transition:transform .18s,opacity .18s;display:block}.mobile-menu[open]>summary span:first-child{transform:translateY(7px)rotate(45deg)}.mobile-menu[open]>summary span:nth-child(2){opacity:0}.mobile-menu[open]>summary span:last-child{transform:translateY(-7px)rotate(-45deg)}.mobile-menu-panel{z-index:50;border-top:1px solid var(--line);background:#fff;width:min(92vw,420px);height:calc(100dvh - 104px);position:fixed;top:104px;right:0;box-shadow:-18px 24px 50px #06152f33}.mobile-menu-scroll{flex-direction:column;height:100%;padding:1.25rem 1.25rem 2rem;display:flex;overflow-y:auto}.mobile-menu-scroll a{color:var(--ink);padding:.78rem .35rem;font-weight:700;display:block}.mobile-menu-home{border-bottom:1px solid var(--line);font-size:1.05rem}.mobile-menu-scroll section{border-bottom:1px solid var(--line);padding:1rem 0;display:grid}.mobile-menu-scroll section a:not(.mobile-menu-heading){color:#536078;padding:.55rem .35rem;font-size:.93rem;font-weight:650}.mobile-menu-scroll .mobile-menu-heading{color:var(--teal-dark);padding:.35rem;font-family:Georgia,Times New Roman,serif;font-size:1.25rem}.mobile-menu-pages a{padding:.65rem .35rem;color:var(--ink)!important;font-size:1rem!important;font-weight:750!important}.mobile-menu-scroll .mobile-menu-phone{text-align:center;color:var(--teal-dark);margin-top:1rem;font-size:1.05rem}.mobile-menu-scroll .mobile-menu-quote{color:#fff;margin-top:.4rem;padding:1rem}}@media (width<=650px){.site-header,.site-header.overlay{height:82px}.header-wordmark{width:clamp(145px,42vw,185px)}.site-header .brand{gap:0}.header-actions{gap:.55rem}.header-cta{max-width:104px;padding:.7rem .72rem;font-size:.71rem}.mobile-menu>summary{width:42px;height:42px}.mobile-menu-panel{height:calc(100dvh - 82px);top:82px}.footer-brand{width:min(100%,300px)}}@media (width<=390px){.header-wordmark{width:132px}.header-cta{max-width:92px;padding:.65rem .55rem;font-size:.66rem}.site-header{padding-left:.7rem;padding-right:.7rem}.header-actions{gap:.35rem}.mobile-menu>summary{width:40px;height:40px}}.modern-home{background:#fff}.modern-home h1,.modern-home h2{font-family:var(--font-geist-sans),Arial,sans-serif;letter-spacing:-.052em;font-weight:780}.modern-home h3{font-weight:760}.modern-hero{border-bottom:1px solid var(--line);background:#fff;grid-template-columns:minmax(0,1.04fr) minmax(420px,.96fr);min-height:720px;display:grid;overflow:hidden}.modern-hero-copy{flex-direction:column;justify-content:center;padding:clamp(5rem,8vw,8rem) clamp(2rem,7vw,7rem);display:flex}.modern-hero-copy h1{max-width:850px;color:var(--teal-dark);margin:1.1rem 0 1.5rem;font-size:clamp(3.5rem,5.6vw,6.3rem);line-height:.98}.modern-hero-lead{max-width:720px;color:var(--slate);font-size:clamp(1.08rem,1.5vw,1.3rem);line-height:1.7}.modern-hero-actions{align-items:center;gap:1.5rem;margin-top:1.5rem;display:flex}.modern-secondary-link{border-bottom:1px solid #0b234859;align-items:center;gap:.65rem;padding:.8rem 0;font-weight:800;display:inline-flex}.modern-assurances{border-top:1px solid var(--line);color:#42516a;grid-template-columns:repeat(2,minmax(0,1fr));gap:.8rem 1.5rem;margin-top:3rem;padding-top:1.4rem;font-size:.84rem;font-weight:720;display:grid}.modern-assurances span{align-items:center;gap:.55rem;display:flex}.modern-assurances span:before{content:"✓";color:#8e6919;background:#f1e8d4;border-radius:50%;place-items:center;width:20px;height:20px;font-size:.7rem;display:grid}.modern-hero-visual{background:linear-gradient(135deg,#f2f4f7,#e8edf4);min-height:720px;padding:3rem 3rem 3rem 0;position:relative}.modern-hero-photo{background:linear-gradient(#0000 45%,#06152f59),url(/hero-insurance.png) 62% 42%/cover no-repeat;border-radius:0 0 0 44px;width:100%;height:100%;min-height:620px;box-shadow:0 28px 65px #06152f26}.guidance-card{background:#fff;border:1px solid #0b23481a;border-radius:16px;align-items:center;gap:1rem;width:min(390px,75%);padding:1.3rem;display:flex;position:absolute;bottom:5.3rem;left:-3.4rem;box-shadow:0 20px 48px #06152f33}.guidance-mark{background:var(--teal-dark);color:#d6b45f;border-radius:50%;flex:0 0 58px;place-items:center;width:58px;height:58px;font-family:Georgia,Times New Roman,serif;font-weight:800;display:grid}.guidance-card small{color:#8d6b23;letter-spacing:.13em;text-transform:uppercase;margin-bottom:.35rem;font-size:.68rem;font-weight:850;display:block}.guidance-card strong{color:var(--teal-dark);font-size:1.02rem;line-height:1.35}.confidence-bar{background:#fff;grid-template-columns:repeat(3,1fr);max-width:1500px;margin:auto;padding:0 clamp(1.5rem,5vw,5rem);display:grid}.confidence-bar article{border-right:1px solid var(--line);padding:2rem}.confidence-bar article:last-child{border-right:0}.confidence-bar article>span{color:#a27a22;letter-spacing:.12em;font-size:.72rem;font-weight:850}.confidence-bar div{flex-direction:column;gap:.35rem;display:flex}.confidence-bar strong{font-size:.98rem}.confidence-bar small{color:var(--slate);font-size:.8rem}.modern-section{padding:clamp(5rem,8vw,8rem) clamp(1.5rem,7vw,7rem)}.solution-intro{background:#f6f7f9;grid-template-columns:1.25fr .75fr;align-items:end;gap:clamp(3rem,7vw,8rem);display:grid}.solution-intro h2{max-width:900px;color:var(--teal-dark);margin:.9rem 0 0;font-size:clamp(2.65rem,4.6vw,5.1rem);line-height:1.03}.solution-intro>p{color:var(--slate);margin:0;font-size:1.12rem;line-height:1.75}.solution-grid{background:#f6f7f9;grid-template-columns:repeat(3,1fr);gap:1px;padding:0 clamp(1.5rem,7vw,7rem) clamp(5rem,8vw,8rem);display:grid}.solution-card{background:#fff;border:1px solid #e1e5ec;flex-direction:column;min-height:540px;padding:clamp(2rem,3.5vw,3.6rem);display:flex}.solution-card:nth-child(2){background:var(--teal-dark);color:#fff}.solution-card-top{color:#a57b22;border-bottom:1px solid;align-items:center;padding-bottom:1.3rem;display:flex}.solution-card:nth-child(2) .solution-card-top{color:#d6b45f}.solution-card-top span{letter-spacing:.12em;font-size:.72rem;font-weight:850}.solution-card-top small{letter-spacing:.09em;text-transform:uppercase;font-size:.72rem;font-weight:800}.solution-card h3{max-width:400px;margin:3rem 0 1.2rem;font-size:clamp(1.85rem,2.5vw,2.7rem);line-height:1.08}.solution-card>p{color:var(--slate);line-height:1.7}.solution-card:nth-child(2)>p{color:#c2cad8}.solution-card ul{gap:.85rem;margin:1.3rem 0 2.5rem;padding:0;font-weight:720;list-style:none;display:grid}.solution-card li{white-space:nowrap}.solution-card li:before{content:"✓";color:#b58a2e;margin-right:.75rem;font-weight:850}.solution-card>a{border-top:1px solid #dfe3ea;justify-content:space-between;margin-top:auto;padding-top:1.3rem;font-weight:820;display:flex}.solution-card:nth-child(2)>a{color:#f2d68f;border-color:#32425d}.advisor-difference{background:#e9edf3;grid-template-columns:.82fr 1.18fr;display:grid}.advisor-heading{background:var(--teal);color:#fff;padding:clamp(4rem,7vw,7rem)}.advisor-heading h2{margin:1rem 0 1.5rem;font-size:clamp(3rem,5vw,5.5rem);line-height:.98}.advisor-heading>p:not(.eyebrow){color:#c5ccda;max-width:650px;font-size:1.08rem;line-height:1.75}.advisor-heading .button{margin-top:1.2rem}.advisor-points{padding:clamp(3rem,6vw,6rem)}.advisor-points article{border-bottom:1px solid #cfd6e1;padding:2.1rem 0;display:block}.advisor-points article:first-child{padding-top:0}.advisor-points article>span{color:#9a741f;border:1px solid #b58a2e;border-radius:50%;place-items:center;width:48px;height:48px;font-size:.72rem;font-weight:850;display:grid}.advisor-points h3{color:var(--teal-dark);margin:0 0 .6rem;font-size:1.45rem}.advisor-points p{max-width:650px;color:var(--slate);margin:0;line-height:1.65}.commercial-focus{background:var(--teal-dark);color:#fff;grid-template-columns:1.05fr .95fr;gap:clamp(3rem,8vw,9rem);padding:clamp(5rem,8vw,8rem) clamp(1.5rem,7vw,7rem);display:grid}.commercial-focus-copy h2{max-width:850px;margin:1rem 0 1.5rem;font-size:clamp(2.8rem,4.7vw,5rem);line-height:1}.commercial-focus-copy>p:not(.eyebrow){color:#bcc6d7;max-width:700px;font-size:1.08rem;line-height:1.75}.commercial-focus-copy .button{margin-top:1rem}.industry-list{flex-direction:column;display:flex}.industry-list>small{color:#d6b45f;letter-spacing:.15em;text-transform:uppercase;padding-bottom:1rem;font-size:.72rem;font-weight:850}.industry-list>a{border-top:1px solid #31415b;grid-template-columns:1fr auto;align-items:center;gap:1rem;padding:1.5rem 0;display:grid}.industry-list>a:last-child{border-bottom:1px solid #31415b}.industry-list span{color:#d6b45f;font-size:.7rem;font-weight:850}.industry-list strong{font-size:clamp(1.25rem,2vw,1.8rem)}.industry-list b{color:#d6b45f;font-size:1.15rem}.modern-process{background:#fff}.process-title{justify-content:space-between;align-items:end;gap:3rem;padding-bottom:3rem;display:flex}.process-title h2{max-width:900px;margin:0;font-size:clamp(2.7rem,4.5vw,4.8rem);line-height:1}.modern-steps{grid-template-columns:repeat(3,1fr);gap:1.2rem;display:grid}.modern-steps article{border-top:4px solid var(--teal-dark);background:#f6f7f9;min-height:285px;padding:2rem}.modern-steps span{color:#a27a22;letter-spacing:.12em;font-size:.72rem;font-weight:850}.modern-steps h3{margin:1rem 0;font-size:1.5rem}.modern-steps p{color:var(--slate);line-height:1.65}.modern-process-link{border-bottom:1px solid #9ba5b5;gap:.7rem;margin-top:2rem;padding-bottom:.35rem;font-weight:820;display:inline-flex}.modern-cta{color:#fff;background:linear-gradient(120deg,#0b2348,#142f59);justify-content:space-between;align-items:center;gap:4rem;padding:clamp(4rem,7vw,7rem);display:flex}.modern-cta h2{max-width:850px;margin:.9rem 0 1rem;font-size:clamp(2.7rem,4.5vw,4.8rem);line-height:1}.modern-cta p:not(.eyebrow){color:#c3ccda;margin:0;font-size:1.06rem}.modern-cta>div:last-child{flex-direction:column;flex:none;align-items:center;gap:1rem;display:flex}.cta-contact-link{border-bottom:1px solid #8997ad;padding-bottom:.25rem;font-size:.84rem;font-weight:750}@media (width<=1100px){.modern-hero{grid-template-columns:1fr}.modern-hero-visual{min-height:600px;padding:0 2rem 3rem}.modern-hero-photo{border-radius:0 0 30px 30px;min-height:560px}.guidance-card{bottom:5rem;left:4rem}.solution-intro,.advisor-difference,.commercial-focus,.solution-grid{grid-template-columns:1fr}.solution-card{min-height:420px}.process-title{display:block}.process-title h2{margin-top:1rem}}@media (width<=760px){.solution-card li{white-space:normal}.modern-hero-copy{padding:4rem 1.25rem 3rem}.modern-hero-copy h1{font-size:clamp(3rem,13vw,4.6rem)}.modern-hero-actions{flex-direction:column;align-items:flex-start}.modern-assurances{grid-template-columns:1fr}.modern-hero-visual{min-height:470px;padding:0 1.25rem 2.5rem}.modern-hero-photo{background-position:68% 42%;min-height:440px}.guidance-card{width:auto;bottom:3.5rem;left:2rem;right:2rem}.confidence-bar{grid-template-columns:1fr;padding:0 1.25rem}.confidence-bar article{border-right:0;border-bottom:1px solid var(--line);padding:1.35rem 0}.confidence-bar article:last-child{border-bottom:0}.modern-section,.advisor-heading,.advisor-points,.commercial-focus,.modern-cta,.solution-grid{padding-left:1.25rem;padding-right:1.25rem}.solution-card{min-height:0;padding:2rem 1.4rem}.modern-steps{grid-template-columns:1fr}.modern-steps article{min-height:240px}.modern-cta{flex-direction:column;align-items:flex-start}.modern-cta>div:last-child{align-items:flex-start}}.contact-form select,.quote-form select{background:#fbfcfb;border:1px solid #bdccc8;border-radius:10px;outline:none;width:100%;padding:1rem}.contact-form select:focus,.quote-form select:focus{border-color:var(--coral);box-shadow:0 0 0 3px #f26b5b26}
