:root{--navy:#072b63;--navy2:#0d3d83;--blue:#1554a5;--gold:#f9bf12;--gold2:#ffd54b;--ink:#15233a;--muted:#69788d;--line:#e3e8ef;--soft:#f6f9fc;--white:#fff;--shadow:0 18px 50px rgba(8,35,72,.12)}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:"DM Sans",Arial,sans-serif;color:var(--ink);line-height:1.55;background:#fff}a{text-decoration:none;color:inherit}button,input,select{font:inherit}.container{width:min(1320px,calc(100% - 48px));margin:auto}.utility{background:var(--navy);color:#fff;font-size:12px}.utility-inner{min-height:36px;display:flex;justify-content:space-between;align-items:center}.utility-left,.utility-right{display:flex;align-items:center;gap:20px}.utility a{color:#fff}.utility-right{background:linear-gradient(90deg,var(--gold),#ffd93d);color:#17233a;padding:0 18px;height:36px;margin-right:-24px}.utility-right i{height:14px;border-left:1px solid rgba(0,0,0,.3)}.header{height:86px;background:#fff;border-bottom:1px solid #edf0f4;position:sticky;top:0;z-index:50}.nav-wrap{height:100%;display:flex;align-items:center;justify-content:space-between}.brand{display:flex;align-items:center;gap:12px}.shield{width:60px;height:68px;display:grid;place-items:center;clip-path:polygon(50% 0,92% 15%,88% 68%,50% 100%,12% 68%,8% 15%);background:linear-gradient(150deg,var(--gold),#fff1a3 30%,var(--navy) 31%,var(--navy2));color:#fff;font-weight:900;font-size:16px;border:3px solid var(--navy)}.brand-copy strong{font-family:Manrope;font-size:20px;line-height:1.02;letter-spacing:.01em;color:var(--navy)}.brand-copy small{display:block;color:#687587;font-size:9px;margin-top:6px;letter-spacing:.02em}.nav{display:flex;align-items:center;gap:29px;font-size:12px;font-weight:700;color:#1d2c44}.nav a{height:86px;display:flex;align-items:center;position:relative;white-space:nowrap}.nav a.active:after{content:"";position:absolute;bottom:0;left:0;right:0;height:3px;background:var(--gold)}.nav-cta{background:var(--navy);color:#fff!important;height:auto!important;padding:14px 22px;border-radius:4px;box-shadow:0 8px 20px rgba(7,43,99,.18)}.menu-toggle{display:none;border:0;background:none;font-size:26px;color:var(--navy)}.hero{position:relative;overflow:hidden;background:linear-gradient(90deg,#f9fbff 0%,#f5f8fc 48%,#e8eef6 100%);min-height:500px}.hero-bg{position:absolute;inset:0;background:radial-gradient(circle at 18% 40%,rgba(255,255,255,.95),transparent 35%),linear-gradient(120deg,transparent 55%,rgba(8,43,99,.06) 55%)}.hero-grid{position:relative;display:grid;grid-template-columns:48% 52%;min-height:500px}.hero-copy{padding:58px 0 48px}.hero-kicker{font-size:18px;color:var(--navy);letter-spacing:.03em}.hero-kicker b{color:var(--blue)}h1,h2,h3{font-family:Manrope,Arial,sans-serif}h1{font-size:58px;line-height:1.02;margin:10px 0 12px;letter-spacing:-.035em;color:var(--navy)}h1 em,h2 em{font-style:normal;color:#f2a900}.gold-line{height:3px;width:55px;background:var(--gold);margin:13px 0 14px}.hero-sub{font-size:16px;font-weight:700;margin:0;color:#1b2638}.hero-desc{font-size:14px;color:#56667b;max-width:600px;margin:7px 0 20px}.stats{display:flex;gap:35px;margin:20px 0}.stats>div{display:grid;grid-template-columns:34px 1fr;grid-template-rows:auto auto;column-gap:7px;align-items:center}.stat-icon{grid-row:1/3;width:30px;height:30px;border:1px solid #1b4f98;border-radius:50%;display:grid;place-items:center;color:var(--navy);font-size:11px}.stats strong{font-family:Manrope;font-size:17px;color:var(--navy)}.stats small{font-size:10px;line-height:1.25;color:#596a80}.hero-actions{display:flex;gap:18px;margin-top:22px}.btn{display:inline-flex;align-items:center;justify-content:center;gap:12px;padding:13px 22px;border-radius:4px;font-size:12px;font-weight:800;letter-spacing:.02em}.btn.gold{background:linear-gradient(180deg,#ffd22e,var(--gold));color:#17233a;box-shadow:0 8px 18px rgba(249,191,18,.22)}.btn.outline{border:1px solid var(--navy);color:var(--navy);background:#fff}.hero-visual{position:relative;min-height:500px}.portrait{position:absolute;right:8%;bottom:0;width:66%;height:95%;overflow:hidden}.portrait:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(238,244,250,.2),transparent 25%)}.portrait img{width:100%;height:100%;object-fit:cover;object-position:center top}.lic-advisor-card{position:absolute;z-index:3;left:1%;top:48px;width:205px;background:#fff;border-radius:16px;padding:20px 22px;box-shadow:var(--shadow)}.lic-mark{font-size:22px;color:#17428c;margin-bottom:8px}.lic-mark b{font-size:34px;color:#f0b400;vertical-align:middle}.lic-advisor-card>strong{font-family:Manrope;font-size:15px}.tiny-line{width:38px;height:2px;background:var(--gold);margin:8px 0}.lic-advisor-card ul{padding:0;margin:12px 0 0;list-style:none}.lic-advisor-card li{font-size:10px;margin:9px 0;color:#304057}.lic-advisor-card li:before{content:"✓";color:var(--navy);font-weight:900;margin-right:8px}.advisor-badge{position:absolute;z-index:4;right:0;top:50px;width:235px;background:rgba(7,43,99,.94);color:#fff;padding:23px 24px;border-radius:16px 0 0 16px;box-shadow:0 16px 30px rgba(0,0,0,.18)}.advisor-badge span{display:block;color:var(--gold);font-size:11px;font-weight:800}.advisor-badge strong{display:block;font-family:Manrope;font-size:23px;margin:4px 0}.advisor-badge>b{color:var(--gold);font-size:12px}.advisor-badge p{font-size:10px;color:#d9e4f2;margin:12px 0}.advisor-badge small{display:block;font-family:cursive;font-size:20px;opacity:.9;text-align:right}.solutions{background:#fff;padding:17px 0 18px;border-bottom:1px solid #edf0f5}.section-title{margin-bottom:18px}.section-title>span,.eyebrow{font-size:11px;font-weight:900;letter-spacing:.17em;color:var(--navy)}.section-title h2{font-size:27px;line-height:1.15;margin:4px 0;color:#1c2639}.section-title h2 em{color:#eaa900}.section-title p{max-width:800px;color:var(--muted);font-size:12px;margin:10px 0 0}.section-title.center{text-align:center}.section-title.center p{margin-left:auto;margin-right:auto}.solution-row{display:grid;grid-template-columns:repeat(5,1fr);gap:12px}.solution-row article{min-height:120px;border:1px solid #e3e8ef;border-radius:10px;padding:14px 15px;background:#fff;box-shadow:0 7px 20px rgba(7,43,99,.04)}.sol-icon{font-size:25px;color:var(--navy);height:35px}.solution-row h3{font-size:14px;margin:2px 0}.solution-row p{font-size:9.5px;line-height:1.45;color:var(--muted);margin:4px 0 8px}.solution-row a{font-size:9px;font-weight:800;color:var(--navy)}.partner-area{padding:18px 0 16px;background:#fbfcfe}.partner-layout{display:grid;grid-template-columns:1fr 330px;gap:28px;align-items:stretch}.partners{background:#fff;border:1px solid #e1e6ed;border-radius:10px;padding:0 24px 16px;box-shadow:0 8px 25px rgba(7,43,99,.05)}.partner-title{height:28px;background:var(--navy);color:#fff;text-align:center;font-size:10px;font-weight:800;display:flex;align-items:center;justify-content:center;margin:0 -1px 13px;border-radius:3px}.lic-partner{display:flex;align-items:center;justify-content:center;gap:20px;min-height:74px}.lic-box{font-size:24px;color:#1b4b96}.lic-box strong{font-size:45px;color:#f0b400;margin-left:4px}.lic-partner>div:last-child{border-left:1px solid #d9e0e9;padding-left:20px}.lic-partner strong{display:block;font-size:12px}.lic-partner span{display:block;font-size:9px;color:var(--muted);margin-top:3px}.health-title{margin-top:14px}.health-partners{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;text-align:center}.health-partners>div{border-right:1px solid #e0e5eb}.health-partners>div:last-child{border-right:0}.health-partners b{display:block;font-family:Manrope;font-size:24px}.health-partners small{font-size:9px;color:#65758a}.niva{color:#11a38e}.star{color:#1d4f9a}.care{color:#4d4dba}.lead-card{background:#fff;border-radius:12px;box-shadow:0 12px 30px rgba(7,43,99,.13);overflow:hidden;border:1px solid #e3e8ef}.lead-head{background:linear-gradient(135deg,var(--navy),#124d9f);color:#fff;padding:18px 20px}.lead-head strong,.lead-head span{display:block}.lead-head strong{font-family:Manrope;font-size:17px}.lead-head span{font-size:10px;color:#d7e5f6;margin-top:3px}.lead-card form{padding:14px 17px}.lead-card input,.lead-card select{width:100%;border:1px solid #dfe5ec;border-radius:6px;padding:9px 10px;margin-bottom:9px;font-size:10px;outline:0;background:#fff}.lead-card input:focus,.lead-card select:focus{border-color:var(--blue)}.full{width:100%;border:0;margin-top:3px}.lead-card form>small{display:block;text-align:center;font-size:8px;color:#8a94a1;margin-top:10px}.section{padding:65px 0}.lic-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:15px}.lic-cards article{position:relative;border:1px solid var(--line);border-radius:12px;padding:22px;min-height:205px;overflow:hidden;background:#fff}.lic-cards article:after{content:"";position:absolute;right:-40px;bottom:-50px;width:120px;height:120px;border-radius:50%;background:#fff5cb}.lic-cards article>b{font-size:10px;color:#b88900}.lic-cards h3{font-size:19px;margin:7px 0}.lic-cards p{font-size:11px;color:var(--muted);min-height:46px}.lic-cards article div{display:flex;gap:6px;flex-wrap:wrap}.lic-cards article span{background:#f6f8fb;border:1px solid #e4e8ee;border-radius:20px;padding:5px 8px;font-size:8px;font-weight:700;color:#56667b}.source-note{font-size:9px;color:#7b8796;margin-top:16px}.source-note a{color:var(--blue);font-weight:800}.health-section{background:#f6f9fc;padding:65px 0}.health-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:15px}.health-cards article{background:#fff;border:1px solid var(--line);border-radius:12px;padding:22px;box-shadow:0 7px 22px rgba(7,43,99,.04)}.brandline{display:flex;align-items:baseline;gap:8px;height:35px}.brandline b{font-family:Manrope;font-size:27px}.brandline span{font-size:9px;font-weight:800;color:#718095}.pill{display:inline-block;margin-top:10px;background:#fff3bf;color:#8d6900;padding:4px 8px;border-radius:20px;font-size:8px;font-weight:900}.health-cards h3{font-size:19px;margin:8px 0}.health-cards p{font-size:11px;color:var(--muted);min-height:90px}.health-cards a{font-size:10px;color:var(--navy);font-weight:800}.compare-bar{margin-top:18px;background:var(--navy);color:#fff;border-radius:10px;padding:16px 22px;display:flex;justify-content:space-between;align-items:center;gap:20px}.compare-bar strong,.compare-bar span{display:block}.compare-bar strong{font-family:Manrope;font-size:16px}.compare-bar span{font-size:9px;color:#c7d7ea}.compare-bar .btn{padding:10px 15px}.advisor{background:linear-gradient(115deg,var(--navy),#0d4a99);color:#fff;padding:65px 0}.advisor-grid{display:grid;grid-template-columns:40% 60%;gap:65px;align-items:center}.advisor-photo{position:relative;border-radius:16px;overflow:hidden;border:6px solid rgba(255,255,255,.12);box-shadow:0 25px 45px rgba(0,0,0,.24);max-width:500px}.advisor-photo img{display:block;width:100%;aspect-ratio:1/1.1;object-fit:cover;object-position:center top}.exp{position:absolute;right:15px;bottom:15px;background:#fff;color:var(--navy);border-radius:10px;padding:10px 15px;display:flex;gap:9px;align-items:center}.exp strong{font-size:24px;font-family:Manrope}.exp span{font-size:9px;font-weight:800;line-height:1.2}.advisor-copy .eyebrow{color:var(--gold)}.advisor-copy h2{font-size:38px;margin:8px 0;color:#fff}.advisor-copy h2 em{color:var(--gold)}.lead{font-size:14px;color:#d9e5f3;max-width:680px}.advisor-list{margin:22px 0}.advisor-list>div{display:flex;gap:15px;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.12)}.advisor-list>b{color:var(--gold)}.advisor-list>div>b{color:var(--gold);font-size:10px}.advisor-list span{font-size:11px;color:#c8d6e7}.advisor-list strong{display:block;color:#fff;font-size:12px}.trust{background:var(--navy);color:#fff;border-top:1px solid rgba(255,255,255,.12)}.trust-grid{display:grid;grid-template-columns:repeat(4,1fr)}.trust-grid>div{display:flex;align-items:center;gap:12px;padding:17px 20px;border-right:1px solid rgba(255,255,255,.15)}.trust-grid>div:last-child{border-right:0}.trust-grid b{font-size:23px;color:#fff}.trust-grid strong,.trust-grid span{display:block}.trust-grid strong{font-size:12px}.trust-grid span{font-size:9px;color:#a9bdd6}.faq{padding:65px 0}.faq-grid{display:grid;grid-template-columns:.75fr 1.25fr;gap:80px}.faq h2{font-size:34px;margin:8px 0}.faq h2 em{color:#eaaa00}.faq p{font-size:12px;color:var(--muted)}.faq-list details{border-bottom:1px solid var(--line);padding:15px 0}.faq-list summary{cursor:pointer;list-style:none;font-size:12px;font-weight:800;display:flex;justify-content:space-between}.faq-list summary:after{content:"+";color:var(--navy);font-size:18px}.faq-list details[open] summary:after{content:"−"}.faq-list p{font-size:11px;margin:8px 0 0}.footer{background:#061d40;color:#d7e3f0}.footer-grid{display:grid;grid-template-columns:1.5fr .8fr 1fr 1fr;gap:50px;padding:50px 0 35px}.footer .shield{width:50px;height:56px}.footer-brand .brand-copy strong{color:#fff;font-size:15px}.footer-brand .brand-copy small{color:#a9c5e8}.footer-grid p{font-size:10px;color:#8da5c1;max-width:300px}.footer-grid h4{font-size:10px;letter-spacing:.12em;color:#fff;margin:4px 0 13px}.footer-grid>div:not(:first-child){display:flex;flex-direction:column;gap:7px}.footer-grid a,.footer-grid span{font-size:10px;color:#9fb3ca}.disclaimer{border-top:1px solid rgba(255,255,255,.1);padding:18px 0;font-size:8.5px;color:#8199b5;line-height:1.6}.disclaimer strong{color:#bfd0e3}.footer-bottom{border-top:1px solid rgba(255,255,255,.1);min-height:45px;display:flex;justify-content:space-between;align-items:center;font-size:8.5px;color:#7891ad}.floating{position:fixed;right:18px;bottom:18px;z-index:100;display:flex;flex-direction:column;gap:10px}.float{width:58px;height:58px;border-radius:50%;display:grid;place-items:center;color:#17233a;font-size:21px;font-weight:900;box-shadow:0 10px 25px rgba(0,0,0,.18)}.float small{font-size:7px;line-height:1;text-align:center;margin-top:-7px}.float.call,.float.mail{background:var(--gold)}.float.wa{background:#18ad5c;color:#fff}.float.wa small{font-size:7px}.float{grid-template-rows:1fr auto;padding:6px}.float small{display:block}@media(max-width:1150px){.nav{gap:17px;font-size:10px}.utility-right{display:none}.solution-row{grid-template-columns:repeat(3,1fr)}.hero-grid{grid-template-columns:46% 54%}.portrait{right:0;width:70%}}@media(max-width:850px){.container{width:min(100% - 30px,1320px)}.header{height:72px}.nav{position:absolute;top:72px;left:15px;right:15px;height:auto;background:#fff;display:none;flex-direction:column;align-items:stretch;gap:0;padding:10px;border:1px solid var(--line);box-shadow:var(--shadow)}.nav.open{display:flex}.nav a{height:44px;padding:0 12px}.nav-cta{justify-content:center;margin-top:5px}.menu-toggle{display:block}.hero-grid,.partner-layout,.advisor-grid,.faq-grid{grid-template-columns:1fr}.hero{min-height:auto}.hero-copy{padding:45px 0 20px}.hero-visual{min-height:520px}.portrait{width:72%;right:6%;height:100%}.lic-advisor-card{left:0;top:35px}.advisor-badge{right:0;top:50px}.solution-row,.lic-cards,.health-cards{grid-template-columns:repeat(2,1fr)}.lead-card{max-width:420px;margin:auto}.trust-grid{grid-template-columns:repeat(2,1fr)}.footer-grid{grid-template-columns:1fr 1fr}}@media(max-width:560px){.utility-left{gap:12px;font-size:9px}.utility-left a:last-child{display:none}.brand-copy strong{font-size:15px}.brand-copy small{font-size:7px}.shield{width:45px;height:52px;font-size:12px}.hero h1{font-size:44px}.hero-kicker{font-size:13px}.stats{gap:14px}.stats strong{font-size:14px}.hero-actions{flex-direction:column;align-items:stretch}.hero-visual{min-height:470px}.portrait{width:78%;right:0}.lic-advisor-card{width:160px;padding:14px}.lic-mark b{font-size:26px}.lic-advisor-card>strong{font-size:11px}.lic-advisor-card li{font-size:8px}.advisor-badge{width:185px;padding:15px}.advisor-badge strong{font-size:18px}.advisor-badge p{font-size:8px}.solution-row,.lic-cards,.health-cards,.trust-grid,.footer-grid{grid-template-columns:1fr}.partner-layout{gap:15px}.lic-partner{flex-direction:column;text-align:center}.lic-partner>div:last-child{border-left:0;border-top:1px solid #d9e0e9;padding:10px 0 0}.health-partners{gap:8px}.compare-bar{flex-direction:column;align-items:flex-start}.advisor-copy h2{font-size:30px}.footer-bottom{flex-direction:column;justify-content:center;gap:4px;padding:10px}.floating{right:10px;bottom:10px}.float{width:50px;height:50px;font-size:17px}}
