:root {
  --navy: #001336;
  --navy-2: #0a2552;
  --teal: #1c4f8f;
  --teal-soft: #e9eff8;
  --gold: #cc962f;
  --gold-soft: #f8efe0;
  --ink: #1d2733;
  --muted: #5b6876;
  --line: #e3e7ec;
  --bg: #ffffff;
  --bg-alt: #f6f8fa;
  --radius: 14px;
  --shadow: 0 10px 30px rgba(15, 42, 68, 0.08);
  --max: 1160px;
  --serif: "Fraunces", Georgia, serif;
  --sans: "Inter", system-ui, -apple-system, "Segoe UI", sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--sans);
  color: var(--ink);
  background: var(--bg);
  line-height: 1.6;
  font-size: 17px;
  -webkit-font-smoothing: antialiased;
}
img, svg { max-width: 100%; display: block; }
a { color: var(--teal); }
h1, h2, h3 { font-family: var(--serif); color: var(--navy); line-height: 1.15; margin: 0 0 0.5em; font-weight: 600; }
h1 { font-size: clamp(2.1rem, 4.6vw, 3.4rem); letter-spacing: -0.01em; }
h2 { font-size: clamp(1.7rem, 3.2vw, 2.4rem); }
h3 { font-size: 1.25rem; }
p { margin: 0 0 1em; }

.container { max-width: var(--max); margin: 0 auto; padding: 0 20px; }
.section { padding: 84px 0; }
.section.alt { background: var(--bg-alt); }
.section.dark { background: var(--navy); color: #dbe5ee; }
.section.dark h2, .section.dark h3 { color: #fff; }
.eyebrow { display: inline-block; font-size: 0.8rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: var(--teal); margin-bottom: 12px; }
.section.dark .eyebrow { color: var(--gold); }
.lead { font-size: 1.15rem; color: var(--muted); max-width: 640px; }
.center { text-align: center; }
.center .lead { margin-left: auto; margin-right: auto; }

/* Buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; padding: 14px 24px; border-radius: 999px; font-weight: 600; text-decoration: none; border: 2px solid transparent; cursor: pointer; font-size: 1rem; font-family: inherit; transition: transform .15s, background .15s; }
.btn:hover { transform: translateY(-1px); }
.btn-primary { background: var(--gold); color: #1b1408; }
.btn-primary:hover { background: #b8842a; }
.btn-secondary { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn-light { background: transparent; color: #fff; border-color: rgba(255,255,255,.6); }
.btn-block { width: 100%; }

/* Top bar + header */
.topbar { background: var(--navy); color: #c8d6e3; font-size: 0.85rem; }
.topbar .container { display: flex; justify-content: space-between; gap: 12px; padding-top: 8px; padding-bottom: 8px; }
.topbar a { color: #fff; text-decoration: none; font-weight: 600; }
.site-header { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.96); backdrop-filter: blur(8px); border-bottom: 1px solid var(--line); }
.site-header .container { max-width: 1280px; display: flex; align-items: center; justify-content: space-between; height: 76px; }
.logo { display: flex; align-items: center; gap: 10px; text-decoration: none; color: var(--navy); }
.logo-mark { width: 54px; height: 54px; flex: 0 0 54px; object-fit: contain; }
.logo-text { font-family: "Cinzel", var(--serif); font-weight: 600; font-size: 1.4rem; letter-spacing: .05em; color: var(--navy); line-height: 1; white-space: nowrap; }
.logo-text small { display: block; font-family: var(--sans); font-size: 0.6rem; letter-spacing: 0.34em; color: var(--gold); font-weight: 600; margin-top: 6px; }
.footer-logo { width: 210px; margin: -10px 0 10px -6px; }
.footer-tagline { color: var(--gold); font-size: 0.78rem; letter-spacing: .14em; text-transform: uppercase; font-weight: 600; }
.nav { display: flex; align-items: center; gap: 4px; }
.nav a { white-space: nowrap; color: var(--ink); text-decoration: none; font-weight: 500; font-size: 0.93rem; padding: 8px 9px; border-radius: 8px; }
.nav a:hover, .nav a.active { color: var(--teal); background: var(--teal-soft); }
.nav .btn { margin-left: 10px; padding: 11px 20px; }
.nav .btn:hover { background: #b8842a; color: #1b1408; }
.dropdown { position: relative; }
.dropdown-menu { display: none; position: absolute; top: 100%; left: 0; background: #fff; border: 1px solid var(--line); border-radius: 12px; box-shadow: var(--shadow); padding: 8px; min-width: 230px; }
.dropdown:hover .dropdown-menu, .dropdown:focus-within .dropdown-menu { display: block; }
.dropdown-menu { min-width: 270px; }
.dropdown-menu a { display: block; padding: 10px 12px; font-weight: 600; color: var(--navy); }
.dropdown-menu a small { display: block; font-size: 0.78rem; font-weight: 400; color: var(--muted); margin-top: 2px; }
.caret { font-size: 0.7em; color: var(--gold); }
.dropdown-label.active { color: var(--teal); background: var(--teal-soft); }
.menu-toggle { display: none; background: none; border: 0; padding: 8px; cursor: pointer; }
.menu-toggle span { display: block; width: 24px; height: 2px; background: var(--navy); margin: 5px 0; }

@media (max-width: 1200px) {
  .menu-toggle { display: block; }
  .nav { display: none; position: absolute; top: 76px; left: 0; right: 0; background: #fff; flex-direction: column; align-items: stretch; padding: 12px 20px 20px; border-bottom: 1px solid var(--line); box-shadow: var(--shadow); }
  .nav.open { display: flex; }
  .dropdown-menu { display: block; position: static; border: 0; box-shadow: none; padding: 0 0 0 12px; min-width: 0; }
  .dropdown-label { pointer-events: none; font-size: 0.75rem !important; font-weight: 700 !important; letter-spacing: .12em; text-transform: uppercase; color: var(--gold) !important; background: none !important; margin-top: 8px; }
  .dropdown-label .caret { display: none; }
  .dropdown-menu a small { display: none; }
  .dropdown-menu a { padding: 8px 10px; font-weight: 500; color: var(--ink); }
  .nav .btn { margin: 10px 0 0; }
  .topbar .hide-sm { display: none; }
}

/* Hero */
.hero { background: linear-gradient(160deg, #001336 0%, #0a2552 60%, #14366e 100%); color: #dbe5ee; padding: 72px 0 84px; position: relative; overflow: hidden; }
.hero::after { content: ""; position: absolute; right: -180px; top: -180px; width: 520px; height: 520px; border-radius: 50%; background: radial-gradient(circle, rgba(204,150,47,.22), transparent 70%); }
.hero h1 { color: #fff; }
.hero h1 em { font-style: normal; color: var(--gold); }
.hero .lead { color: #c3d2df; }
.hero-grid { display: grid; grid-template-columns: 1.15fr 1fr; gap: 56px; align-items: center; position: relative; z-index: 1; }
.hero-points { list-style: none; padding: 0; margin: 24px 0 30px; display: grid; gap: 10px; }
.hero-points li { display: flex; gap: 10px; align-items: flex-start; }
.check { flex: 0 0 22px; height: 22px; border-radius: 50%; background: rgba(201,151,63,.2); color: var(--gold); display: grid; place-items: center; font-size: 13px; font-weight: 700; margin-top: 2px; }
.hero-ctas { display: flex; gap: 12px; flex-wrap: wrap; }
.page-hero { padding: 64px 0 56px; }
.page-hero .lead { max-width: 720px; }

/* Quote card / forms */
.quote-card { background: #fff; color: var(--ink); border-radius: 18px; padding: 30px; box-shadow: 0 30px 60px rgba(0,0,0,.25); }
.quote-card h2 { font-size: 1.6rem; margin-bottom: 4px; }
.quote-card .sub { color: var(--muted); font-size: 0.95rem; margin-bottom: 18px; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.form-grid .full { grid-column: 1 / -1; }
label { display: block; font-size: 0.82rem; font-weight: 600; color: var(--navy); margin-bottom: 5px; }
input, select, textarea { width: 100%; padding: 12px 14px; border: 1.5px solid var(--line); border-radius: 10px; font: inherit; font-size: 0.97rem; background: #fff; color: var(--ink); }
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--teal); box-shadow: 0 0 0 3px var(--teal-soft); }
.consent { font-size: 0.72rem; color: var(--muted); line-height: 1.45; margin: 12px 0 14px; display: flex; gap: 8px; align-items: flex-start; }
.consent input { width: auto; margin-top: 3px; }
.form-note { font-size: 0.8rem; color: var(--muted); text-align: center; margin-top: 10px; }
.hidden { display: none; }

/* Trust strip */
.trust { background: #fff; border-bottom: 1px solid var(--line); }
.trust .container { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; padding-top: 28px; padding-bottom: 28px; }
.trust-item { display: flex; gap: 12px; align-items: center; }
.trust-icon { flex: 0 0 44px; height: 44px; border-radius: 12px; background: var(--teal-soft); color: var(--teal); display: grid; place-items: center; }
.trust-item strong { display: block; color: var(--navy); font-size: 0.98rem; }
.trust-item span { font-size: 0.85rem; color: var(--muted); }

/* Cards */
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: center; }
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; transition: box-shadow .2s, transform .2s; }
.card:hover { box-shadow: var(--shadow); transform: translateY(-2px); }
.card .icon { width: 50px; height: 50px; border-radius: 12px; background: var(--teal-soft); color: var(--teal); display: grid; place-items: center; margin-bottom: 16px; }
.card p { color: var(--muted); font-size: 0.97rem; }
.card a.more { font-weight: 600; text-decoration: none; }
.card.featured { border: 2px solid var(--gold); position: relative; }
.badge { position: absolute; top: -12px; left: 24px; background: var(--gold); color: #1b1408; font-size: 0.72rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; padding: 4px 10px; border-radius: 999px; }

/* Veterans */
.vet-hero::before { content: ""; position: absolute; left: 0; right: 0; top: 0; height: 4px; background: repeating-linear-gradient(90deg, var(--gold) 0 40px, transparent 40px 52px); opacity: .8; }
.vet-badge { display: inline-flex; align-items: center; gap: 8px; background: rgba(204,150,47,.14); border: 1px solid rgba(204,150,47,.45); color: #f1d9a8; font-size: 0.82rem; font-weight: 600; padding: 6px 14px; border-radius: 999px; margin-bottom: 18px; }
.vet-badge svg { width: 16px; height: 16px; color: var(--gold); fill: var(--gold); }
.vet-hero .eyebrow { display: block; }

/* Founder */
.section.warm { background: var(--gold-soft); }
.founder { display: grid; grid-template-columns: 360px 1fr; gap: 64px; align-items: center; }
.founder-sm { grid-template-columns: 280px 1fr; }
.founder-photo { position: relative; isolation: isolate; margin: 0 16px 16px 0; }
.founder-photo img { width: 100%; height: auto; aspect-ratio: 4 / 5; object-fit: cover; object-position: top; border-radius: 18px; box-shadow: var(--shadow); }
.founder-photo::before { content: ""; position: absolute; inset: 16px -16px -16px 16px; border: 2px solid var(--gold); border-radius: 18px; z-index: -1; }
.founder-title { color: var(--gold); font-weight: 600; font-size: 0.85rem; letter-spacing: .12em; text-transform: uppercase; margin-top: -6px; }
.signature { font-family: var(--serif); font-style: italic; font-size: 1.5rem; color: var(--navy); margin: 4px 0 22px; }
.expect-list { max-width: 820px; margin: 36px auto 0; }
.expect-list .ticks { grid-template-columns: 1fr 1fr; gap: 12px 32px; }

/* Carriers */
.carrier-grid { display: flex; flex-wrap: wrap; justify-content: center; gap: 14px; margin-top: 36px; }
.carrier { flex: 0 1 146px; background: #fff; border: 1px solid var(--line); border-radius: 12px; height: 92px; display: grid; place-items: center; padding: 14px 18px; text-align: center; }
.carrier img { max-height: 52px; max-width: 100%; object-fit: contain; filter: grayscale(1); opacity: .75; transition: filter .2s, opacity .2s; }
.carrier:hover img { filter: none; opacity: 1; }
.carrier-name { font-family: var(--serif); font-weight: 600; font-size: 1.05rem; color: var(--navy); line-height: 1.25; }

/* Living benefits */
.lb-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin-top: 36px; }
.lb { background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.12); border-radius: var(--radius); padding: 26px; }
.lb .tag { color: var(--gold); font-weight: 700; font-size: 0.8rem; letter-spacing: .1em; text-transform: uppercase; }
.lb p { color: #c3d2df; font-size: 0.97rem; margin: 0; }

/* Steps */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; counter-reset: step; margin-top: 36px; }
.step { position: relative; padding: 28px; background: #fff; border-radius: var(--radius); border: 1px solid var(--line); }
.step::before { counter-increment: step; content: counter(step); display: grid; place-items: center; width: 40px; height: 40px; border-radius: 50%; background: var(--navy); color: #fff; font-weight: 700; margin-bottom: 14px; font-family: var(--serif); }
.step p { color: var(--muted); margin: 0; }

/* Compare table */
.compare { width: 100%; border-collapse: collapse; background: #fff; border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); font-size: 0.96rem; }
.compare th, .compare td { padding: 14px 18px; border-bottom: 1px solid var(--line); text-align: left; vertical-align: top; }
.compare th { background: var(--navy); color: #fff; font-weight: 600; }
.compare td:first-child { font-weight: 600; color: var(--navy); }
.table-wrap { overflow-x: auto; }

/* Scenario / illustration */
.scenario { background: #fff; border-radius: 18px; box-shadow: var(--shadow); padding: 30px; border: 1px solid var(--line); }
.scenario-row { display: flex; justify-content: space-between; gap: 12px; padding: 12px 0; border-bottom: 1px dashed var(--line); }
.scenario-row:last-child { border-bottom: 0; }
.scenario-row span { color: var(--muted); }
.scenario-row strong { color: var(--navy); text-align: right; }
.fine { font-size: 0.78rem; color: var(--muted); }

/* List */
.ticks { list-style: none; padding: 0; margin: 0 0 1.4em; display: grid; gap: 10px; }
.ticks li { display: flex; gap: 10px; }
.ticks li::before { content: "✓"; color: var(--teal); font-weight: 700; }

/* FAQ */
.faq { max-width: 820px; margin: 36px auto 0; }
.faq details { background: #fff; border: 1px solid var(--line); border-radius: 12px; margin-bottom: 12px; padding: 0 22px; }
.faq summary { cursor: pointer; padding: 18px 0; font-weight: 600; color: var(--navy); list-style: none; display: flex; justify-content: space-between; gap: 12px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; font-size: 1.4rem; line-height: 1; color: var(--teal); }
.faq details[open] summary::after { content: "–"; }
.faq details p { color: var(--muted); padding-bottom: 18px; margin: 0; }

/* CTA band */
.cta-band { background: linear-gradient(120deg, #0a2552, #001336); border-top: 3px solid var(--gold); color: #d6e0ee; border-radius: 22px; padding: 48px; display: flex; justify-content: space-between; align-items: center; gap: 30px; flex-wrap: wrap; }
.cta-band h2 { color: #fff; margin-bottom: 6px; }
.cta-band p { margin: 0; }
.cta-band .actions { display: flex; gap: 12px; flex-wrap: wrap; }

/* Footer */
.site-footer { background: #001336; color: #9fb2c4; padding: 64px 0 30px; font-size: 0.92rem; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 36px; margin-bottom: 40px; }
.site-footer h4 { color: #fff; font-size: 0.85rem; letter-spacing: .1em; text-transform: uppercase; margin: 0 0 14px; }
.site-footer ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 8px; }
.site-footer a { color: #c8d6e3; text-decoration: none; }
.site-footer a:hover { color: #fff; }
.site-footer .logo { color: #fff; margin-bottom: 14px; }
.site-footer .logo-text small { color: #8ea3b7; }
.disclaimer { border-top: 1px solid rgba(255,255,255,.1); padding-top: 24px; font-size: 0.76rem; line-height: 1.6; color: #7f94a8; }
.disclaimer p { margin-bottom: 0.8em; }

/* Prose pages */
.prose { max-width: 780px; }
.prose h2 { font-size: 1.6rem; margin-top: 1.6em; }
.prose ul { padding-left: 1.2em; }

/* Thank-you message */
.success { background: var(--teal-soft); border: 1px solid #c9d6ea; color: var(--navy); border-radius: 12px; padding: 18px; text-align: center; }

@media (max-width: 960px) {
  .founder, .founder-sm { grid-template-columns: 1fr; gap: 40px; }
  .founder-photo { max-width: 300px; width: calc(100% - 16px); margin: 0 auto 16px; }
  .hero-grid, .grid-2 { grid-template-columns: 1fr; gap: 36px; }
  .grid-3, .grid-4, .lb-grid, .steps { grid-template-columns: 1fr 1fr; }
  .trust .container { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 640px) {
  .compare { min-width: 620px; font-size: 0.9rem; }
  .compare th, .compare td { padding: 12px 14px; }
  .table-wrap::before { content: "Swipe to compare →"; display: block; font-size: 0.78rem; font-weight: 600; color: var(--muted); margin-bottom: 8px; }
  .expect-list .ticks { grid-template-columns: 1fr; }
  .carrier-grid { gap: 10px; }
  .carrier { flex-basis: calc(50% - 5px); height: 80px; padding: 10px; }
  .carrier-name { font-size: 0.95rem; }
  body { font-size: 16px; }
  .section { padding: 60px 0; }
  .container { padding: 0 16px; }
  .grid-3, .grid-4, .lb-grid, .steps, .form-grid, .trust .container, .footer-grid { grid-template-columns: 1fr; }
  .quote-card { padding: 22px; }
  .cta-band { padding: 32px 24px; }
  .hero { padding: 48px 0 60px; }
}