:root{
  --bg:#f7f5f0; --ink:#141c2e; --muted:#3d4558; --soft:#5f6779; --line:#dcd8cd;
  --accent:#1B2A4A; --accent-dark:#12203a; --dark:#1B2A4A; --dark-2:#26385e; --gold:#C9A227; --white:#ffffff;
  --serif:"Fraunces",Georgia,"Times New Roman",serif; --sans:"Manrope","Segoe UI",Helvetica,Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--sans);font-size:17px;line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:var(--accent);text-decoration:none}
a:hover{color:var(--accent-dark)}
a:focus-visible,button:focus-visible,input:focus-visible,textarea:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
h1,h2,h3{font-family:var(--serif);font-weight:500;line-height:1.12;margin:0}
h1{font-size:clamp(36px,5.2vw,60px);letter-spacing:-.01em}
h2{font-size:clamp(28px,3.4vw,40px)}
h3{font-size:clamp(22px,2.4vw,28px)}
p{margin:0}
.wrap{max-width:1136px;margin:0 auto;padding:0 20px}
@media(min-width:900px){.wrap{padding:0 40px}}
.kicker{font-size:13px;letter-spacing:.12em;text-transform:uppercase;font-weight:700;color:var(--accent)}
.lead{font-size:clamp(17px,1.6vw,20px);color:var(--muted);max-width:620px}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:52px;padding:0 24px;border-radius:6px;font-weight:700;font-size:16px;border:1.5px solid transparent;cursor:pointer;font-family:inherit}
.btn-primary{background:var(--accent);color:#fff}
.btn-primary:hover{background:var(--accent-dark);color:#fff}
.btn-outline{border-color:var(--ink);color:var(--ink);background:transparent}
.btn-outline:hover{background:var(--ink);color:#fff}
.btn-light{background:var(--gold);color:#1B2A4A}
.btn-light:hover{background:#b8921f;color:#1B2A4A}
.btn-block{width:100%}
.more{font-weight:700;font-size:16px}
.more::after{content:" \2192"}

/* header */
.site-header{background:var(--bg);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.nav{display:flex;align-items:center;justify-content:space-between;min-height:68px;gap:16px}
.brand{display:flex;align-items:center;gap:12px;color:var(--ink)}
.brand img{width:40px;height:40px;border-radius:50%;object-fit:cover}
.brand-name{font-family:var(--serif);font-size:18px;font-weight:600;line-height:1.1}
.brand-sub{display:none;font-size:11px;letter-spacing:.08em;text-transform:uppercase;color:var(--soft)}
@media(min-width:900px){.brand-sub{display:block}}
.nav-links{display:none;align-items:center;gap:26px;font-size:15px;font-weight:600}
.nav-links a{color:var(--ink)}
.nav-links a.current{color:var(--accent)}
.nav-links .agents{color:var(--soft);font-weight:500}
@media(min-width:1200px){.nav-links{display:flex}}
.nav-cta{display:inline-flex;min-height:42px;padding:0 16px;font-size:14px}
.menu-btn{display:inline-flex;align-items:center;justify-content:center;width:44px;height:44px;background:none;border:1px solid var(--line);border-radius:6px;cursor:pointer;color:var(--ink)}
@media(min-width:1200px){.menu-btn{display:none}}
.mobile-nav{display:none;border-top:1px solid var(--line);background:var(--bg)}
.mobile-nav.open{display:block}
.mobile-nav a{display:block;padding:14px 20px;border-bottom:1px solid var(--line);color:var(--ink);font-weight:600}
.mobile-nav a.agents{color:var(--soft);font-weight:500}

/* sections */
.section{padding:64px 0}
@media(min-width:900px){.section{padding:88px 0}}
.section-white{background:#fff}
.section-dark{background:var(--dark);color:#f6f3ec}
.section-dark h2{color:#fff}
.section-dark p{color:#dde3f0}
.section-head{display:flex;flex-direction:column;gap:12px;max-width:760px;margin-bottom:40px}
.grid{display:grid;gap:24px}
.grid-2{grid-template-columns:1fr}
.grid-3{grid-template-columns:1fr}
.grid-4{grid-template-columns:1fr}
@media(min-width:700px){.grid-2{grid-template-columns:repeat(2,minmax(0,1fr))}.grid-4{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(min-width:900px){.grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}.grid-4{grid-template-columns:repeat(4,minmax(0,1fr))}}

/* hero */
.hero{padding:56px 0 64px}
@media(min-width:900px){.hero{padding:88px 0 80px}}
.hero-grid{display:grid;gap:36px;align-items:center}
@media(min-width:900px){.hero-grid{grid-template-columns:7fr 5fr;gap:48px}}
.hero-copy{display:flex;flex-direction:column;gap:26px}
.hero-actions{display:flex;flex-wrap:wrap;gap:14px}
.hero-trust{display:flex;flex-wrap:wrap;gap:10px 22px;font-size:14px;font-weight:500;color:var(--soft)}
.hero-photo{width:100%;aspect-ratio:501/463;max-height:480px;object-fit:cover;object-position:center top;border-radius:12px;background:#ececec}
.logo-row{display:flex;gap:12px;margin-top:14px}
.logo-tile{flex:1;height:64px;border-radius:8px;background:#fff;border:1px solid var(--line);display:flex;align-items:center;justify-content:center;overflow:hidden}
.logo-tile img{height:52px;width:52px;object-fit:contain}
.logo-tile.feg{border:0;background:#0c222f;padding:6px 14px;box-sizing:border-box}
.logo-tile.feg img{width:100%;height:100%;object-fit:contain}

/* cards */
.card{padding:28px;border-radius:12px;background:var(--bg);display:flex;flex-direction:column;gap:12px}
.section-white .card{background:var(--bg)}
.card-white{background:#fff;border:1px solid var(--line)}
.card h3{font-family:var(--sans);font-size:20px;font-weight:700;line-height:1.3}
.card p{font-size:16px;color:var(--muted)}
.num{font-family:var(--serif);font-size:44px;line-height:1;color:var(--accent)}
.card a.more{margin-top:auto}

/* strategy cards */
.strat{padding:36px;border-radius:12px;display:flex;flex-direction:column;gap:18px}
.strat-light{background:#fff;border:1px solid var(--line)}
.strat-dark{background:var(--dark);color:#f6f3ec}
.strat .label{font-size:13px;letter-spacing:.1em;text-transform:uppercase;font-weight:700;color:var(--soft)}
.strat-dark .label{color:#c5cde0}
.strat-dark h3{color:#fff}
.strat-dark p{color:#dde3f0}
.strat-dark .more{color:var(--gold)}
.bullets{display:flex;flex-direction:column;gap:10px;font-size:16px}
.bullets li{list-style:none;display:flex;gap:12px;align-items:flex-start}
.bullets li::before{content:"";width:8px;height:8px;border-radius:50%;background:var(--accent);margin-top:9px;flex-shrink:0}
.bullets.gold li::before{background:var(--gold)}
.bullets.warn li::before{background:#7a2e2e}
ul.bullets{margin:0;padding:0}

/* living benefits */
.lb-grid{display:grid;gap:32px;align-items:start}
@media(min-width:900px){.lb-grid{grid-template-columns:1fr 1fr;gap:48px}}
.lb-list{display:grid;gap:14px}
.lb-item{padding:22px 24px;border-radius:10px;background:var(--dark-2)}
.lb-item strong{display:block;font-size:18px;color:#fff;margin-bottom:6px}
.lb-item span{font-size:15px;color:#c5cde0}
.fine{font-size:13px;color:#93a0bd}
.section-dark .kicker{color:var(--gold)}
.section-dark .more{color:var(--gold)}

/* carriers */
.carrier-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}
@media(min-width:900px){.carrier-grid{grid-template-columns:repeat(5,minmax(0,1fr))}}
.carrier{min-height:88px;padding:12px 16px;border-radius:10px;background:#fff;border:1px solid var(--line);display:flex;align-items:center;justify-content:center;text-align:center;font-family:var(--serif);font-size:19px;font-weight:600}
.carrier-head{display:flex;flex-wrap:wrap;align-items:flex-end;justify-content:space-between;gap:20px;margin-bottom:28px}

/* steps */
.step{display:flex;flex-direction:column;gap:12px;padding-top:20px;border-top:3px solid var(--gold)}
.step .label{font-size:13px;letter-spacing:.1em;text-transform:uppercase;font-weight:700;color:var(--soft)}
.step h3{font-family:var(--sans);font-size:20px;font-weight:700}
.step p{font-size:16px;color:var(--muted)}

/* team */
.person{display:flex;gap:24px;padding:28px;border-radius:12px;background:#fff;border:1px solid var(--line)}
.person img{width:120px;height:120px;border-radius:50%;object-fit:cover;flex-shrink:0;border:3px solid #fff;box-shadow:0 0 0 1px var(--line)}
@media(min-width:700px){.person img{width:140px;height:140px}}
.person h3{font-size:24px;font-weight:600}
.person .role{font-size:14px;font-weight:700;color:var(--accent);margin:6px 0 10px}
.person p{font-size:15px;color:var(--muted)}
.mini{padding:20px;border-radius:10px;background:#fff;border:1px solid var(--line)}
.mini strong{display:block;font-size:16px}
.mini span{font-size:14px;color:var(--soft)}

/* resources */
.res{padding:24px;border-radius:10px;background:#fff;border:1px solid var(--line);color:var(--ink);display:flex;flex-direction:column;gap:8px}
.res:hover{border-color:var(--accent);color:var(--ink)}
.res strong{font-size:17px}
.res span{font-size:14px;color:var(--soft)}

/* cta band */
.cta-band{background:var(--accent);color:#fff;padding:64px 0}
.cta-band .wrap{display:flex;flex-direction:column;gap:20px}
@media(min-width:900px){.cta-band .wrap{flex-direction:row;align-items:center;justify-content:space-between;gap:40px}}
.cta-band h2{color:#fff}
.cta-band p{color:#dfe6f5;font-size:18px;margin-top:10px}

/* contact form */
.contact-grid{display:grid;gap:32px}
@media(min-width:900px){.contact-grid{grid-template-columns:5fr 7fr;gap:56px}}
.form{display:grid;gap:14px}
.form label{display:block;font-size:14px;font-weight:600;margin-bottom:6px}
.form input,.form textarea{width:100%;padding:12px 14px;border:1px solid var(--line);border-radius:6px;font:inherit;font-size:16px;background:#fff;color:var(--ink)}
.form textarea{min-height:120px;resize:vertical}
.form .row{display:grid;gap:14px}
@media(min-width:700px){.form .row{grid-template-columns:1fr 1fr}}
.contact-lines{display:flex;flex-direction:column;gap:8px;color:var(--muted);font-size:16px}

/* footer */
.site-footer{background:var(--dark);color:#c5cde0;padding:56px 0 36px;font-size:14px;line-height:1.6}
.foot-grid{display:grid;gap:28px;margin-bottom:28px}
@media(min-width:900px){.foot-grid{grid-template-columns:repeat(3,minmax(0,1fr))}}
.foot-title{font-family:var(--serif);font-size:20px;font-weight:600;color:#fff;margin-bottom:8px}
.foot-h{font-size:12px;letter-spacing:.1em;text-transform:uppercase;font-weight:700;color:#fff;margin-bottom:8px}
.site-footer a{color:#c5cde0}
.site-footer a:hover{color:#fff}
.site-footer a.gold{color:var(--gold)}
.foot-links{display:flex;flex-direction:column;gap:6px}
.compliance{border-top:1px solid #33456e;padding-top:22px;font-size:12px;color:#93a0bd}

/* article / legal pages */
.article{max-width:760px}
.article h1{margin-bottom:12px}
.article h2{font-size:26px;margin:36px 0 12px}
.article h3{font-family:var(--sans);font-size:18px;font-weight:700;margin:22px 0 8px}
.article p{margin:0 0 14px;color:var(--muted)}
.article ul{margin:0 0 14px;padding-left:22px;color:var(--muted)}
.article li{margin-bottom:6px}
.article .meta{font-size:14px;color:var(--soft);margin-bottom:24px}
.page-head{padding:56px 0 24px}
@media(min-width:900px){.page-head{padding:80px 0 32px}}
.page-head .lead{margin-top:18px}

@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}

/* team tiles */
a.person-link{color:var(--ink)}
a.person-link:hover{border-color:var(--accent);color:var(--ink)}
.tile-note{display:inline-block;margin-top:12px;font-size:14px;font-weight:700;color:var(--accent)}
.tile{display:flex;flex-direction:column;align-items:center;text-align:center;gap:8px;padding:24px 16px;border-radius:12px;background:#fff;border:1px solid var(--line);color:var(--ink)}
.tile:hover{border-color:var(--accent);color:var(--ink)}
.tile-photo{width:112px;height:112px;border-radius:50%;background:#e6e0d3;border:3px solid #fff;box-shadow:0 0 0 1px var(--line);display:flex;align-items:center;justify-content:center;overflow:hidden;font-family:var(--serif);font-size:32px;font-weight:600;color:var(--soft)}
.tile-photo img{width:100%;height:100%;object-fit:cover}
.tile strong{font-size:17px;margin-top:6px}
.tile-role{font-size:13px;color:var(--soft);line-height:1.4}
.tile em{font-style:normal;font-size:13px;font-weight:700;color:var(--accent);margin-top:4px}
.tile em::after{content:" \2192"}

/* nav and card fixes after live review */
.nav-links{gap:18px;font-size:14px}
.nav-links a{white-space:nowrap}
.nav-cta{white-space:nowrap;padding:0 14px}
.brand-name{white-space:nowrap}
.brand-sub{display:none;white-space:nowrap}
@media(min-width:1500px){.brand-sub{display:block}}
.nav{gap:20px}.brand{flex:0 0 auto}.nav-links{margin-left:auto;padding-left:24px;flex:0 0 auto}.nav-cta{flex:0 0 auto}
@media(max-width:1199px){.nav-cta{display:none}}
@media(min-width:1200px) and (max-width:1319px){.nav-links{gap:13px;font-size:13px}.nav-cta{font-size:13px;padding:0 11px}.nav{gap:14px}}
@media(max-width:420px){.brand-name{font-size:15px}}
@media(max-width:699px){.person{flex-direction:column;align-items:flex-start}.person img{width:110px;height:110px}}

/* insights */
.post-card{gap:10px}
.post-cat{font-size:12px;letter-spacing:.1em;text-transform:uppercase;font-weight:700;color:var(--accent)}
.post-card em{font-style:normal;font-size:13px;color:var(--soft);margin-top:auto;padding-top:6px}
.post-note{font-size:13px;line-height:1.55;color:var(--soft);border-top:1px solid var(--line);padding-top:14px;margin-top:22px}
.post-cta{margin-top:36px;padding:24px;border-radius:12px;background:#fff;border:1px solid var(--line);display:flex;flex-direction:column;gap:8px;align-items:flex-start}
.post-cta strong{font-size:18px}.post-cta span{color:var(--muted);font-size:15px}.post-cta .btn{margin-top:8px}
.article ul{margin:0 0 16px;padding-left:22px;color:var(--muted)}
.article li{margin-bottom:8px;line-height:1.55}

/* article tables */
.tbl-wrap{overflow-x:auto;margin:0 0 18px;-webkit-overflow-scrolling:touch}
table.cmp{border-collapse:collapse;width:100%;min-width:640px;font-size:14px;line-height:1.45;background:#fff}
table.cmp th,table.cmp td{border:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top;color:var(--muted)}
table.cmp thead th{background:var(--dark);color:#fff;font-weight:700;font-size:13px}
table.cmp tbody th{background:#f3f0e8;color:var(--ink);font-weight:700;white-space:nowrap}
table.cmp tbody tr:nth-child(even) td{background:#fbfaf7}

/* gold accents (darker gold for legibility on light backgrounds) */
:root{--gold-text:#9c7d1e}
.kicker{color:var(--gold-text)}
.num{color:var(--gold-text)}
.step .label{color:var(--gold-text)}
.section-dark .kicker{color:var(--gold)}

/* hero where */
.hero-where{margin-top:14px;font-size:15px;color:var(--soft)}
/* chooser */
.chooser{padding:56px 0}
@media(min-width:900px){.chooser{padding:64px 0}}
.choose{display:flex;flex-direction:column;gap:8px;padding:24px 22px 22px;border-radius:12px;background:var(--bg);border:1px solid var(--line);color:var(--ink);position:relative;transition:border-color .15s,transform .15s}
.choose:hover{border-color:var(--gold);transform:translateY(-2px)}
.choose strong{font-size:18px;line-height:1.25}
.choose span:not(.choose-ico){font-size:14px;color:var(--muted)}
.choose em{position:absolute;top:20px;right:20px;font-style:normal;color:var(--gold);font-weight:700}
.choose-ico{width:46px;height:46px;border-radius:50%;background:var(--dark);display:inline-flex;align-items:center;justify-content:center;margin-bottom:6px}
.choose-ico svg{width:24px;height:24px;stroke:var(--gold);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
/* family band */
.family-band{display:grid;background:var(--dark);color:#fff}
.family-band img{width:100%;height:240px;object-fit:cover;object-position:center 35%;display:block}
.family-copy{padding:40px 20px}
.family-copy .kicker{color:var(--gold)}
.family-copy h2{color:#fff;font-size:32px;margin:10px 0 12px}
.family-copy p{color:#dfe6f5;font-size:17px;line-height:1.55}
@media(min-width:900px){.family-band{grid-template-columns:1fr 1fr;min-height:400px}.family-band img{height:100%;order:2}.family-copy{order:1;display:flex;flex-direction:column;justify-content:center;padding:56px 56px 56px max(40px,calc((100vw - 1160px)/2 + 40px))}.family-copy h2{font-size:40px}.family-copy p{max-width:480px}}
/* strategies 3-up */
@media(min-width:900px){.strat-grid{grid-template-columns:repeat(3,minmax(0,1fr))}.strat{padding:30px}}
/* guide */
.guide-grid{display:grid;gap:32px}
@media(min-width:900px){.guide-grid{grid-template-columns:7fr 5fr;gap:56px;align-items:center}}
.guide-form{background:var(--bg);border:1px solid var(--line);border-radius:12px;padding:28px}
.guide-form label{display:block;font-size:14px;font-weight:600;margin-bottom:14px}
.guide-form input{display:block;width:100%;margin-top:6px;padding:12px 14px;border:1px solid var(--line);border-radius:6px;font:inherit;font-size:16px;background:#fff}
.guide-form .fine{margin-top:12px;color:var(--soft)}
.hp{position:absolute;left:-9999px}
.guide-grid .lead{margin-bottom:18px}

/* carrier logos */
.carrier{min-height:96px;padding:14px 20px}
.carrier img{max-width:100%;max-height:60px;width:auto;height:auto;object-fit:contain;display:block}
@media(min-width:900px){.carrier{min-height:104px}.carrier img{max-height:64px}}
@media(max-width:699px){.choose-grid{grid-template-columns:1fr 1fr;gap:12px}.choose{padding:16px 14px}.choose strong{font-size:15px}.choose span:not(.choose-ico){font-size:13px}.choose-ico{width:38px;height:38px}.choose-ico svg{width:20px;height:20px}.choose em{top:14px;right:14px}}
@media(max-width:699px){.grid-4:has(> .tile){grid-template-columns:1fr 1fr;gap:12px}.tile{padding:18px 12px}.tile-photo{width:96px;height:96px}}
@media(min-width:900px){.grid-4:has(> .tile){grid-template-columns:repeat(5,minmax(0,1fr))}.tile{padding:22px 14px}}