:root {
  --navy: #08233e;
  --navy-2: #0d3456;
  --blue: #1f6fb2;
  --sky: #e9f5fc;
  --sand: #f6f1e9;
  --ink: #14202a;
  --muted: #526270;
  --line: #d7e0e6;
  --white: #fff;
  --max: 72rem;
  --shadow: 0 18px 48px rgba(8,35,62,.12);
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; color: var(--ink); background: #fff; font: 400 1rem/1.65 Arial, Helvetica, sans-serif; }
a { color: inherit; }
a:focus-visible, button:focus-visible { outline: 3px solid #ffdb5c; outline-offset: 3px; }
.wrap { width: min(calc(100% - 2.5rem), var(--max)); margin-inline: auto; }
.eyebrow { margin: 0 0 .6rem; color: var(--blue); font-size: .79rem; font-weight: 800; letter-spacing: .14em; text-transform: uppercase; }
.notice { background: var(--navy); color: white; font-size: .84rem; }
.notice .wrap { display: flex; justify-content: space-between; gap: 1rem; align-items: center; padding: .55rem 0; }
.notice a { color: white; font-weight: 700; text-decoration-thickness: 1px; text-underline-offset: 3px; }
.site-header { position: sticky; top: 0; z-index: 10; background: rgba(255,255,255,.96); border-bottom: 1px solid var(--line); backdrop-filter: blur(10px); }
.head { min-height: 5.4rem; display: flex; align-items: center; justify-content: space-between; gap: 1.5rem; }
.broker-mark { display: inline-flex; flex: 0 0 auto; align-items: center; }
.broker-mark img { display: block; width: 5.8rem; height: 4.25rem; object-fit: contain; }
.brand { text-decoration: none; display: inline-grid; line-height: 1.05; }
.brand strong { color: var(--navy); font: 800 1.25rem/1 Georgia, 'Times New Roman', serif; letter-spacing: .01em; }
.brand small { margin-top: .25rem; color: var(--blue); font-size: .67rem; font-weight: 800; letter-spacing: .14em; text-transform: uppercase; }
.nav { display: flex; flex-wrap: wrap; justify-content: flex-end; align-items: center; gap: .15rem .4rem; }
.nav a { padding: .55rem .62rem; color: #263a4c; font-size: .9rem; font-weight: 700; text-decoration: none; }
.nav a:hover, .nav a[aria-current="page"] { color: var(--blue); }
.button { display: inline-flex; justify-content: center; align-items: center; min-height: 2.85rem; padding: .72rem 1.1rem; border: 1px solid var(--blue); border-radius: .2rem; background: var(--blue); color: white; font-size: .93rem; font-weight: 800; text-decoration: none; transition: transform .15s ease, background .15s ease; }
.button:hover { background: #16598f; transform: translateY(-1px); }
.button--light { border-color: rgba(255,255,255,.7); background: white; color: var(--navy); }
.button--outline { background: transparent; color: var(--blue); }
.button--outline:hover { color: white; }
.hero { position: relative; isolation: isolate; min-height: 35rem; display: grid; align-items: center; color: white; overflow: hidden; }
.hero::before { content: ''; position: absolute; inset: 0; z-index: -1; background: linear-gradient(90deg, rgba(4,23,41,.92) 0%, rgba(7,39,65,.74) 42%, rgba(7,39,65,.12) 75%); }
.hero__image { position: absolute; inset: 0; z-index: -2; width: 100%; height: 100%; object-fit: cover; }
.hero__content { width: min(calc(100% - 2.5rem), var(--max)); margin-inline: auto; padding: 5.5rem 0; }
.hero h1, .page-hero h1 { max-width: 12ch; margin: 0 0 1.1rem; font: 700 clamp(2.5rem,5vw,4.8rem)/1.02 Georgia, 'Times New Roman', serif; letter-spacing: -.045em; }
.hero p { max-width: 39rem; margin: 0 0 1.6rem; font-size: clamp(1.08rem,2vw,1.28rem); }
.hero__actions, .actions { display: flex; flex-wrap: wrap; gap: .75rem; }
.image-note { position: absolute; right: 1rem; bottom: .75rem; color: rgba(255,255,255,.88); font-size: .72rem; }
section { padding: 5rem 0; }
h2, h3 { color: var(--navy); font-family: Georgia, 'Times New Roman', serif; line-height: 1.15; }
h2 { max-width: 18ch; margin: 0 0 1.1rem; font-size: clamp(2rem,3.4vw,3rem); letter-spacing: -.035em; }
h3 { margin: 0 0 .6rem; font-size: 1.35rem; }
.lede { max-width: 44rem; color: var(--muted); font-size: 1.1rem; }
.section-head { display: flex; align-items: end; justify-content: space-between; gap: 2rem; margin-bottom: 2rem; }
.cards { display: grid; grid-template-columns: repeat(3,1fr); gap: 1.25rem; }
.cards--four { grid-template-columns: repeat(4,1fr); }
.card { min-height: 100%; padding: 1.65rem; border: 1px solid var(--line); background: var(--white); box-shadow: 0 10px 30px rgba(8,35,62,.05); }
.card p { margin: 0; color: var(--muted); }
.card a:not(.button) { color: var(--blue); font-weight: 800; text-decoration-thickness: 1px; text-underline-offset: 3px; }
.band { background: var(--sand); }
.split { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(2rem,6vw,6rem); align-items: center; }
.steps { display: grid; gap: 1.2rem; counter-reset: item; padding: 0; list-style: none; }
.steps li { position: relative; min-height: 3rem; padding-left: 4.2rem; }
.steps li::before { counter-increment: item; content: '0' counter(item); position: absolute; left: 0; top: 0; color: var(--blue); font: 700 1.7rem/1 Georgia, 'Times New Roman', serif; }
.steps strong { display: block; color: var(--navy); }
.compact-list { display: grid; gap: .85rem; margin: 0; padding-left: 1.15rem; }
.compact-list li { padding-left: .15rem; }
.feature--dark .compact-list strong { color: white; }
.callout { padding: clamp(2rem,6vw,4rem); background: var(--navy); color: white; }
.callout h2 { color: white; max-width: 17ch; }
.callout p { max-width: 43rem; color: #dcecf7; }
.page-hero { padding: 5.5rem 0 3.5rem; background: linear-gradient(120deg,#eef7fc,#f6f1e9); border-bottom: 1px solid var(--line); }
.page-hero h1 { max-width: 16ch; font-size: clamp(2.6rem,5vw,4.25rem); }
.page-hero p { max-width: 45rem; margin: 0; color: var(--muted); font-size: 1.15rem; }
.prose { max-width: 47rem; }
.prose h2 { margin-top: 2.6rem; font-size: 2rem; }
.prose h3 { margin-top: 1.8rem; }
.prose p, .prose li { color: #354554; }
.prose ul { padding-left: 1.25rem; }
.feature-grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: 1.25rem; }
.feature { padding: 2rem; background: var(--sky); }
.feature--dark { background: var(--navy); color: white; }
.feature--dark h3, .feature--dark p { color: white; }
.resource { padding: 1rem 1.2rem; border-left: 4px solid var(--blue); background: #f4f8fb; color: #354554; font-size: .95rem; }
.search-link { display: grid; grid-template-columns: auto 1fr; gap: 1rem; align-items: start; padding: 1.4rem; border: 1px solid #b7d3e7; background: #f3faff; }
.search-link strong { color: var(--navy); }
.icon-dot { display: grid; place-items: center; width: 2.5rem; height: 2.5rem; border-radius: 50%; background: var(--blue); color: white; font-weight: 800; }
.contact-grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: 1.25rem; }
.contact-card { padding: 2rem; border: 1px solid var(--line); }
.contact-card p { margin: .3rem 0; color: var(--muted); }
.lead-form { display: grid; gap: 1rem; margin-top: 1.25rem; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.lead-form label { display: grid; gap: .35rem; color: var(--navy); font-size: .88rem; font-weight: 800; }
.lead-form label span { color: var(--muted); font-weight: 400; }
.lead-form input, .lead-form select, .lead-form textarea { width: 100%; border: 1px solid #aebdca; border-radius: .2rem; background: white; color: var(--ink); font: inherit; font-weight: 400; padding: .7rem .75rem; }
.lead-form textarea { resize: vertical; }
.lead-form .button { justify-self: start; cursor: pointer; }
.lead-form .button:disabled { cursor: wait; opacity: .7; }
.form-status { min-height: 1.5rem; font-weight: 700; }
.website-field { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.details { display: grid; gap: 1.15rem; padding: 0; list-style: none; }
.details strong { display: block; color: var(--navy); font-size: .82rem; letter-spacing: .1em; text-transform: uppercase; }
.details a { color: var(--blue); font-weight: 800; }
.disclosure { padding: 1.25rem; background: #f6f7f8; border: 1px solid var(--line); color: #596875; font-size: .86rem; }
.blog-list { display: grid; gap: 1rem; }
.blog-post { padding: 1.5rem; border: 1px solid var(--line); }
.blog-post time { color: var(--blue); font-size: .8rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
.review-showcase { padding: clamp(3.75rem,7vw,6.5rem) 0; background: linear-gradient(120deg, #052843, #0a5c91); color: white; }
.review-showcase h2 { max-width: 16ch; margin: .35rem 0 1rem; color: white; font-size: clamp(2.25rem,4vw,3.85rem); }
.review-showcase__intro { display: flex; align-items: end; justify-content: space-between; gap: 2rem; margin-bottom: 2.25rem; }
.review-showcase__intro p { max-width: 45rem; margin: 0; color: #d8edfa; font-size: 1.08rem; }
.review-showcase__intro .button { flex: 0 0 auto; }
.review-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; }
.review-feature { display: flex; flex-direction: column; min-height: 24rem; padding: clamp(1.5rem,3vw,2.1rem); background: white; border-radius: .7rem; color: var(--body); box-shadow: 0 15px 34px rgba(0,0,0,.2); }
.review-feature span { color: var(--blue); font-size: .75rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
.review-feature blockquote { margin: 1.15rem 0 1rem; color: var(--navy); font: 700 clamp(1.35rem,2.3vw,1.82rem)/1.22 Georgia, 'Times New Roman', serif; }
.review-feature p { margin: auto 0 0; color: var(--muted); }
.review-note { max-width: 57rem; margin: 1.5rem 0 0; font-size: .82rem; }
.review-note--light { color: #c8e3f4; }
.site-footer { padding: 3rem 0 1.5rem; background: #061a2d; color: #e4eef5; }
.broker-footer { display: flex; align-items: center; padding-bottom: 1.5rem; }
.broker-footer img { display: block; width: 7.25rem; height: 5rem; object-fit: contain; background: #fff; }
.footer-grid { display: grid; grid-template-columns: 1.2fr 1fr 1fr; gap: 2rem; padding-bottom: 2rem; }
.site-footer h2, .site-footer h3 { color: white; }
.site-footer h2 { margin-bottom: .5rem; font-size: 1.5rem; }
.site-footer h3 { font-size: 1rem; }
.site-footer p, .site-footer li { color: #c6d5e0; font-size: .9rem; }
.site-footer a { color: white; text-underline-offset: 3px; }
.footer-links { padding: 0; list-style: none; }
.footer-links li + li { margin-top: .35rem; }
.legal { padding-top: 1.4rem; border-top: 1px solid rgba(255,255,255,.2); color: #bdccd7; font-size: .76rem; }
.corner-prompt { position: fixed; right: 1rem; bottom: 1rem; z-index: 20; width: min(22rem, calc(100vw - 2rem)); overflow: hidden; border: 1px solid #a9cbe1; border-radius: .5rem; background: #fff; box-shadow: var(--shadow); color: var(--ink); }
.corner-prompt summary { display: flex; align-items: center; justify-content: space-between; gap: 1rem; padding: .8rem 1rem; background: var(--navy); color: white; cursor: pointer; font-size: .9rem; font-weight: 800; list-style: none; }
.corner-prompt summary::-webkit-details-marker { display: none; }
.corner-prompt summary span { font-size: 1.35rem; font-weight: 400; line-height: 1; }
.corner-prompt:not([open]) summary span { transform: rotate(45deg); }
.corner-prompt > div { padding: 1rem; }
.corner-prompt p { margin: .25rem 0 .85rem; color: var(--muted); font-size: .88rem; line-height: 1.45; }
.corner-prompt__link { display: inline-flex; padding: .55rem .8rem; border-radius: .2rem; background: var(--blue); color: white; font-size: .84rem; font-weight: 800; text-decoration: none; }
.corner-prompt__link:hover { background: #16598f; }
.skip { position: absolute; left: -999px; z-index: 50; padding: .75rem; background: white; color: var(--navy); }
.skip:focus { left: 1rem; top: 1rem; }
@media (max-width: 800px) {
  .notice .wrap { align-items: flex-start; flex-direction: column; }
  .head { padding: .8rem 0; align-items: flex-start; flex-direction: column; }
  .broker-mark img { width: 6.3rem; height: 4.5rem; }
  .nav { justify-content: flex-start; }
  .nav a { padding: .35rem .45rem; }
  .hero { min-height: 38rem; }
  .hero::before { background: linear-gradient(90deg,rgba(4,23,41,.9),rgba(7,39,65,.48)); }
  .cards, .split, .feature-grid, .contact-grid, .footer-grid, .form-grid, .review-grid { grid-template-columns: 1fr; }
  .section-head { display: block; }
  .section-head .button { margin-top: 1rem; }
  .review-showcase__intro { display: block; }
  .review-showcase__intro .button { margin-top: 1.25rem; }
  .review-feature { min-height: auto; }
}
@media (max-width: 460px) {
  .wrap, .hero__content { width: min(calc(100% - 1.5rem), var(--max)); }
  .nav { gap: .05rem; }
  .nav a { font-size: .78rem; }
  .corner-prompt { right: .75rem; bottom: .75rem; width: min(22rem, calc(100vw - 1.5rem)); }
  section { padding: 3.75rem 0; }
}