:root{--navy:#052f5b;--navy2:#082947;--gold:#d1a235;--gold2:#efc252;--ink:#0b315a;--muted:#5e6874;--line:#e1e5e9;--soft:#f8f7f3;--white:#fff;--max:1180px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:#fff;line-height:1.5}img{max-width:100%;display:block}a{text-decoration:none;color:inherit}h1,h2,h3,p{margin-top:0}.container{width:min(var(--max),100% - 48px);margin:0 auto}.narrow{max-width:860px}.site-header{background:#fff;position:sticky;top:0;z-index:50;border-bottom:1px solid #e8eaec}.header-inner{min-height:106px;display:grid;grid-template-columns:260px 1fr;align-items:center;gap:26px}.brand img{width:245px;height:88px;object-fit:contain;object-position:left center}.desktop-nav{display:flex;justify-content:flex-end;align-items:center;align-self:end;gap:17px;padding-bottom:26px}.nav-link{display:flex;align-items:center;min-height:38px;font-size:12px;font-weight:800;line-height:1;white-space:nowrap;padding:9px 0;border-bottom:3px solid transparent}.nav-link.active{border-bottom-color:var(--gold)}.nav-item{position:relative;display:flex;align-items:center}.dropdown{position:absolute;top:100%;left:-14px;min-width:210px;background:#fff;border:1px solid var(--line);box-shadow:0 14px 30px rgba(5,47,91,.12);padding:9px;display:none}.nav-item:hover .dropdown,.nav-item:focus-within .dropdown{display:grid}.dropdown a{padding:9px 10px;font-size:12px;font-weight:700}.dropdown a:hover{background:var(--soft)}.menu-toggle,.mobile-nav{display:none}.btn{display:inline-flex;align-items:center;justify-content:center;gap:12px;border-radius:5px;padding:15px 22px;font-weight:800;border:1px solid transparent;cursor:pointer;transition:.2s}.btn:hover{transform:translateY(-1px)}.btn-gold{background:linear-gradient(135deg,var(--gold2),#b78722);color:#092d53}.btn-outline{border-color:rgba(255,255,255,.65);color:#fff;background:transparent}.text-link{font-weight:800;color:#a7791e}.hero{background:linear-gradient(90deg,#052f5b 0%,#052f5b 55%,#1c4b6e 100%);color:#fff;overflow:hidden}.hero-grid{min-height:405px;display:grid;grid-template-columns:55% 45%;align-items:stretch}.hero-copy{padding:42px 0 30px;z-index:2}.eyebrow,.section-kicker{color:#d6a632;font-size:12px;letter-spacing:4px;font-weight:900}.eyebrow{font-size:16px;line-height:1.45;margin-bottom:18px}.hero h1,.page-hero h1{font-family:Georgia,'Times New Roman',serif;line-height:1.06;margin:0 0 16px}.hero h1{font-size:46px}.hero p{font-size:18px;max-width:575px}.hero-buttons{display:flex;gap:14px;flex-wrap:wrap;margin-top:20px}.hero-benefits{display:flex;gap:28px;margin-top:28px;font-size:13px;font-weight:800}.hero-benefits>div{display:flex;align-items:center;gap:8px}.hero-benefits svg{width:29px;height:29px;fill:none;stroke:#efbd45;stroke-width:3;stroke-linecap:round;stroke-linejoin:round}.hero-art{display:flex;align-items:stretch;justify-content:flex-end;background:#173f62}.hero-art img{width:100%;height:100%;object-fit:cover;object-position:center}.intro-solutions{padding:34px 0 46px}.intro-solutions h2,.request-panel h2,.page-hero h1{font-family:Georgia,'Times New Roman',serif}.intro-solutions h2{text-align:center;font-size:34px;margin:8px 0}.section-kicker{text-align:center}.section-kicker.align-left{text-align:left}.gold-rule{width:46px;height:3px;background:var(--gold);margin:0 auto 24px}.gold-rule.left{margin:14px 0 22px}.coverage-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.coverage-card{border:1px solid var(--line);border-radius:10px;padding:22px 18px;background:#fff;box-shadow:0 8px 25px rgba(7,40,75,.05);transition:.2s}.coverage-card:hover{transform:translateY(-3px);box-shadow:0 14px 30px rgba(7,40,75,.1)}.coverage-icon,.detail-icon{width:66px;height:66px;border-radius:50%;background:#faf8f1;display:grid;place-items:center;color:#b98a24}.coverage-icon svg,.detail-icon svg{width:40px;height:40px;fill:none;stroke:currentColor;stroke-width:3;stroke-linecap:round;stroke-linejoin:round}.coverage-card h3{font-size:18px;margin:14px 0 5px}.coverage-card p{font-size:13px;color:var(--muted);min-height:61px;margin:0 0 12px}.coverage-card span{font-size:12px;font-weight:800;color:#a5781e}.guidance-request{display:grid;grid-template-columns:2fr 1fr;min-height:430px}.guidance-panel{position:relative;background:#062e57;color:#fff;overflow:hidden}.guidance-panel>img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}.guidance-panel:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(5,45,84,.96) 0%,rgba(5,45,84,.85) 45%,rgba(5,45,84,.23) 100%)}.guidance-content{position:relative;z-index:2;max-width:390px;margin-left:max(28px,calc((100vw - var(--max))/2));padding:50px 0}.guidance-content h2{font-family:Georgia,'Times New Roman',serif;font-size:38px;line-height:1.05;margin:0}.guidance-content p{font-size:17px}.request-panel{padding:38px 42px;background:#fff}.request-panel h2{font-size:31px;margin:5px 0}.request-panel>p{margin-top:0;color:var(--muted)}.quick-links{display:grid;grid-template-columns:1fr 1fr;gap:9px;margin:20px 0}.quick-links a{padding:12px;background:var(--soft);border-left:3px solid var(--gold);font-size:13px;font-weight:800}.trust-strip{background:linear-gradient(90deg,#0b3e70,#03284e);color:#fff}.trust-grid{display:grid;grid-template-columns:repeat(4,1fr)}.trust-item{min-height:112px;display:flex;align-items:center;gap:15px;padding:18px 25px;border-right:1px solid rgba(255,255,255,.22)}.trust-item:first-child{padding-left:0}.trust-item:last-child{border-right:0}.trust-item svg{width:35px;height:35px;fill:none;stroke:#efbd45;stroke-width:3;stroke-linecap:round;stroke-linejoin:round}.trust-item strong,.trust-item small{display:block}.trust-item small{font-size:12px;color:#dfe8f0;margin-top:3px}.page-hero{padding:74px 0;background:#f8f7f3}.page-hero.dark{background:linear-gradient(120deg,#062e57,#0c477d);color:#fff}.page-hero .section-kicker{text-align:left}.page-hero h1{font-size:46px;margin-top:12px}.page-hero p{font-size:18px;max-width:780px}.detail-list{padding:50px 0;display:grid;gap:20px}.detail-card{display:grid;grid-template-columns:90px 1fr;gap:22px;padding:28px;border:1px solid var(--line);border-radius:10px}.detail-card h2{font-family:Georgia,'Times New Roman',serif;font-size:28px;margin:0}.detail-card p{color:var(--muted)}.detail-card ul,.split-feature ul{padding-left:19px}.detail-card a{font-weight:800;color:#a8781c}.callout{background:var(--navy);color:#fff;padding:38px 0}.callout-inner{display:flex;justify-content:space-between;gap:28px;align-items:center}.callout h2{font-family:Georgia,'Times New Roman',serif;font-size:34px;margin:4px 0}.split-feature{display:grid;grid-template-columns:1.6fr 1fr;gap:28px;align-items:center;padding:56px 0}.feature-copy h2,.about-grid h2,.bio-section h2,.resources-grid h2,.contact-grid h2,.life-types h2,.carrier-section h2,.benefits-intro h2,.value-section h2,.mission-grid h2,.credentials-wrap h2,.quote-page h2{font-family:Georgia,'Times New Roman',serif;font-size:32px;margin-bottom:10px}.feature-card,.credential-card,.contact-card,.contact-form-wrap,.resources-grid article,.profile-card,.benefit-card,.value-card{border:1px solid var(--line);border-radius:10px;padding:28px;background:#fff;box-shadow:0 8px 22px rgba(7,40,75,.05)}.feature-card{background:#fff}.soft-section{background:var(--soft);padding:1px 0}.about-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:42px;padding:60px 0}.principles{display:grid;gap:14px}.principles div{padding:19px;border-left:4px solid var(--gold);background:#f8f7f3}.principles strong,.principles span{display:block}.principles span{font-size:14px;color:var(--muted);margin-top:4px}.mission-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:30px;padding:55px 0}.bio-section{display:grid;grid-template-columns:1.45fr .55fr;gap:38px;padding:60px 0}.bio-main p{font-size:17px}.bio-actions{display:flex;gap:18px;flex-wrap:wrap;align-items:center;margin-top:24px}.profile-card{text-align:center}.photo-placeholder{height:300px;background:linear-gradient(135deg,#e9edf1,#f8f7f3);border:1px dashed #b9c0c7;border-radius:10px;display:grid;place-items:center;color:#7b8792;font-size:13px;margin-bottom:18px}.credentials-wrap{padding:55px 0}.credential-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;margin:28px 0}.credential-card h3{margin-bottom:7px}.resource-hub{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;padding:42px 0 0}.resource-hub a{border:1px solid var(--line);border-radius:9px;padding:20px;background:#fff}.resource-hub strong,.resource-hub span{display:block}.resource-hub span{font-size:13px;color:var(--muted);margin-top:4px}.resources-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px;padding:40px 0 55px}.resources-grid .wide{grid-column:1/-1}.resources-grid details{border-top:1px solid var(--line);padding:15px 0}.resources-grid summary{cursor:pointer;font-weight:800}.resource-columns{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.glossary-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:13px}.glossary-grid div{background:var(--soft);padding:14px;border-radius:7px}.glossary-grid strong,.glossary-grid span{display:block}.glossary-grid span{font-size:12px;color:var(--muted);margin-top:4px}.life-types,.carrier-section,.value-section{padding:55px 0}.life-types .section-kicker,.carrier-section .section-kicker,.value-section .section-kicker{text-align:left}.three-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:25px}.section-intro{max-width:800px;color:var(--muted)}.check-list{padding-left:0!important;list-style:none}.check-list li{position:relative;padding-left:24px;margin:9px 0}.check-list li:before{content:'✓';position:absolute;left:0;color:#b78722;font-weight:900}.carrier-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:24px}.carrier-name{border:1px solid var(--line);border-top:3px solid var(--gold);border-radius:8px;padding:18px 10px;text-align:center;font-weight:800;background:#fff;min-height:64px;display:grid;place-items:center}.benefits-intro{display:grid;grid-template-columns:1.2fr .8fr;gap:36px;padding:55px 0}.center-title{text-align:center;font-family:Georgia,'Times New Roman',serif;font-size:34px}.benefits-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;padding:24px 0 55px}.benefit-card p{color:var(--muted);font-size:14px}.value-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:24px}.value-card{padding:18px}.value-card strong,.value-card span{display:block}.value-card span{font-size:13px;color:var(--muted);margin-top:6px}.quote-page{display:grid;grid-template-columns:.8fr 1.2fr;gap:34px;padding:55px 0}.quote-form{display:grid;gap:10px}.quote-form label{font-size:12px;font-weight:700;color:#415366;display:grid;gap:5px}.quote-form input,.quote-form select,.quote-form textarea{width:100%;border:1px solid #cfd5dc;border-radius:4px;padding:10px 11px;font:inherit;background:#fff;color:#22384f}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:10px}.hidden{display:none}.optional{font-weight:400;color:var(--muted)}.submit{justify-self:start}.contact-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:28px;padding:55px 0}.contact-big{display:block;font-size:19px;font-weight:800;margin:14px 0 22px;word-break:break-word}.fineprint{font-size:12px;color:var(--muted)}.site-footer{border-top:1px solid #e5e7eb;background:#fff;padding:22px 0 28px}.footer-top{display:grid;grid-template-columns:240px 1fr 250px;align-items:center;gap:20px}.footer-logo{width:210px}.footer-nav{display:flex;justify-content:center;gap:14px;flex-wrap:wrap;font-size:11px;font-weight:700}.footer-contact{display:grid;text-align:right;font-size:12px;font-weight:800;gap:5px}.footer-bottom{border-top:1px solid #eee;margin-top:18px;padding-top:18px;text-align:center;font-size:12px;color:#5d6670}.footer-bottom p{margin:5px}.footer-bottom .legal{max-width:920px;margin:8px auto}.center .section-kicker{text-align:center}.center .hero-buttons{justify-content:center}.centered{justify-content:center}
@media(max-width:1180px){.desktop-nav{gap:11px}.nav-link{font-size:11px}.header-inner{grid-template-columns:220px 1fr}.brand img{width:210px}}
@media(max-width:1040px){.site-header{position:relative}.header-inner{min-height:78px;grid-template-columns:1fr auto}.brand img{width:210px;height:70px}.desktop-nav{display:none}.menu-toggle{display:block;border:0;background:none;font-size:27px;color:var(--navy)}.mobile-nav{display:none;flex-direction:column;border-top:1px solid #eee;padding:10px 22px 18px;background:#fff}.mobile-nav.open{display:flex}.mobile-nav>a,.mobile-nav summary{padding:10px 0;font-weight:800;cursor:pointer}.mobile-nav details>a{display:block;padding:7px 0 7px 16px;font-size:13px}.hero-grid{display:block}.hero-copy{padding:38px 0 30px}.hero-art{background:#173f62}.hero-art img{width:100%;height:auto;object-fit:contain;object-position:center}.hero h1{font-size:40px}.hero-benefits{flex-wrap:wrap}.coverage-grid{grid-template-columns:repeat(2,1fr)}.guidance-request{grid-template-columns:1fr}.guidance-panel{min-height:430px}.guidance-content{margin-left:24px;padding-right:24px}.request-panel{padding:35px 24px}.trust-grid{grid-template-columns:1fr 1fr}.trust-item{border-bottom:1px solid rgba(255,255,255,.15);border-right:0}.trust-item:first-child{padding-left:25px}.page-hero{padding:52px 0}.page-hero h1{font-size:38px}.about-grid,.bio-section,.contact-grid,.split-feature,.benefits-intro,.mission-grid,.quote-page{grid-template-columns:1fr}.resources-grid{grid-template-columns:1fr}.resources-grid .wide{grid-column:auto}.resource-hub{grid-template-columns:repeat(2,1fr)}.resource-columns{grid-template-columns:1fr}.glossary-grid{grid-template-columns:repeat(2,1fr)}.callout-inner{align-items:flex-start;flex-direction:column}.footer-top{grid-template-columns:1fr;justify-items:center}.footer-contact{text-align:center}.footer-nav{justify-content:center}.three-grid,.benefits-grid{grid-template-columns:1fr 1fr}.value-grid{grid-template-columns:1fr 1fr}.carrier-grid{grid-template-columns:repeat(3,1fr)}}
@media(max-width:520px){.container{width:min(100% - 30px,var(--max))}.hero h1{font-size:34px}.eyebrow{font-size:13px;letter-spacing:3px}.hero p{font-size:16px}.hero-buttons .btn{width:100%}.hero-benefits{display:grid;grid-template-columns:1fr;gap:10px}.hero-art img{width:100%;height:auto;object-fit:contain}.coverage-grid{grid-template-columns:1fr 1fr;gap:10px}.coverage-card{padding:17px 12px}.coverage-icon{width:56px;height:56px}.coverage-icon svg{width:34px;height:34px}.coverage-card h3{font-size:15px}.coverage-card p{display:none}.coverage-card span{font-size:11px}.guidance-panel{min-height:390px}.guidance-content h2{font-size:32px}.quick-links{grid-template-columns:1fr}.form-row{grid-template-columns:1fr}.trust-grid{grid-template-columns:1fr}.trust-item{min-height:86px;padding:15px 0!important}.detail-card{grid-template-columns:1fr;padding:22px}.page-hero h1{font-size:34px}.resource-hub{grid-template-columns:1fr}.three-grid,.benefits-grid,.value-grid,.credential-grid{grid-template-columns:1fr}.carrier-grid{grid-template-columns:1fr 1fr}.glossary-grid{grid-template-columns:1fr}.footer-logo{width:200px}.photo-placeholder{height:240px}}
/* v5 profile + scheduling */
.btn-light{background:#fff;border-color:#d7dde4;color:var(--navy);}
.btn-light:hover{border-color:var(--gold);}
.profile-photo{width:100%;height:380px;object-fit:cover;object-position:center 24%;border-radius:10px;margin-bottom:18px;background:var(--soft);}
.profile-schedule{margin-top:12px;width:100%;}
.contact-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:16px;}
@media(max-width:520px){.profile-photo{height:320px}.contact-actions .btn{width:100%;}}

/* Expanded About Leon */
.leon-hero{background:linear-gradient(120deg,#f8f7f3 0%,#fff 68%,#f4ecd8 100%)}
.leon-hero-grid{display:grid;grid-template-columns:1.35fr .65fr;gap:38px;align-items:end}
.leon-hero-credential{justify-self:end;min-width:310px;background:#fff;border:1px solid var(--line);border-top:4px solid var(--gold);border-radius:10px;padding:22px;box-shadow:0 10px 26px rgba(7,40,75,.07)}
.leon-hero-credential strong,.leon-hero-credential span{display:block}.leon-hero-credential strong{font-size:22px}.leon-hero-credential span{font-size:13px;color:var(--muted);margin-top:6px}
.btn-outline-dark{border-color:#8fa0b1;color:var(--navy);background:#fff}.btn-outline-dark:hover{border-color:var(--gold)}
.profile-card-upgraded{padding:20px}.profile-role{color:var(--muted);font-size:14px;margin-bottom:18px}.profile-facts{display:grid;gap:0;text-align:left;border-top:1px solid var(--line);border-bottom:1px solid var(--line);margin:18px 0}.profile-facts div{padding:12px 0;border-bottom:1px solid var(--line)}.profile-facts div:last-child{border-bottom:0}.profile-facts span,.profile-facts strong{display:block}.profile-facts span{font-size:11px;letter-spacing:.8px;text-transform:uppercase;color:var(--muted)}.profile-facts strong{font-size:14px;margin-top:3px}
.audience-section,.focus-section,.approach-section{padding:56px 0}.audience-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:26px}.audience-grid article{background:#fff;border:1px solid var(--line);border-radius:10px;padding:24px}.audience-grid h3{margin-bottom:8px}.audience-grid p{font-size:14px;color:var(--muted);margin:0}
.focus-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:26px}.focus-grid a{border:1px solid var(--line);border-radius:10px;padding:24px;background:#fff;box-shadow:0 8px 22px rgba(7,40,75,.04);transition:.2s}.focus-grid a:hover{transform:translateY(-3px);box-shadow:0 14px 30px rgba(7,40,75,.09)}.focus-number{display:inline-block;color:#b78722;font-weight:900;font-size:12px;letter-spacing:2px;margin-bottom:18px}.focus-grid h3{margin-bottom:8px}.focus-grid p{font-size:14px;color:var(--muted);margin:0}
.credentials-heading{display:grid;grid-template-columns:1fr auto;gap:28px;align-items:end}.npn-badge{background:var(--navy);color:#fff;border-radius:10px;padding:18px 22px;min-width:240px}.npn-badge span,.npn-badge strong{display:block}.npn-badge span{font-size:11px;letter-spacing:1px;text-transform:uppercase;color:#dce7f0}.npn-badge strong{font-size:24px;margin-top:4px;color:#efc252}.credential-grid-rich{margin-bottom:34px}.mini-list{margin:14px 0 0;padding-left:18px;font-size:13px;color:var(--muted)}
.license-footprint{border-top:1px solid var(--line);padding-top:34px}.license-columns{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:20px}.license-group{background:#fff;border:1px solid var(--line);border-radius:10px;padding:22px}.license-group h3{margin-bottom:15px}.state-badges{display:flex;flex-wrap:wrap;gap:8px}.state-badges span{background:#f7f2e6;border:1px solid #e4d4a6;color:#72541c;border-radius:999px;padding:8px 12px;font-size:12px;font-weight:800}.credential-note{margin-top:20px;background:#fff9ea;border-left:4px solid var(--gold);padding:16px 18px;font-size:13px;color:#5f5a4f}
.approach-section{display:grid;grid-template-columns:.72fr 1.28fr;gap:34px;align-items:start}.approach-section>div:first-child h2{font-family:Georgia,'Times New Roman',serif;font-size:34px}.approach-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}.approach-grid article{border:1px solid var(--line);border-radius:10px;padding:22px}.approach-grid article>strong{display:grid;place-items:center;width:32px;height:32px;border-radius:50%;background:var(--gold);color:var(--navy);margin-bottom:14px}.approach-grid h3{margin-bottom:7px}.approach-grid p{font-size:14px;color:var(--muted);margin:0}.callout-actions{display:flex;gap:12px;flex-wrap:wrap}
@media(max-width:1040px){.leon-hero-grid,.credentials-heading,.approach-section{grid-template-columns:1fr}.leon-hero-credential{justify-self:start}.audience-grid,.focus-grid{grid-template-columns:1fr 1fr}.license-columns{grid-template-columns:1fr}}
@media(max-width:520px){.leon-hero-credential{min-width:0;width:100%}.audience-grid,.focus-grid,.approach-grid{grid-template-columns:1fr}.npn-badge{min-width:0}.callout-actions .btn{width:100%}}


/* v9 carrier logos, value-add logos, expanded resource center */
.brand-logo-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:26px}
.brand-logo-card{min-height:138px;border:1px solid var(--line);border-top:3px solid var(--gold);border-radius:10px;background:#fff;padding:18px 12px;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:12px;text-align:center;box-shadow:0 7px 18px rgba(7,40,75,.045)}
.brand-logo-card strong{font-size:14px;line-height:1.2;color:var(--navy)}
.brand-logo-mark{width:140px;max-width:100%;height:56px;object-fit:contain;background:#fff}
.brand-disclaimer{margin-top:18px;line-height:1.6}
.mini-list{padding-left:18px;margin:14px 0 0;color:var(--muted);font-size:13px}.mini-list li{margin:6px 0}
.stacked-actions{display:grid;gap:10px;margin-top:16px}
.value-logo-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:26px}
.value-logo-card{border:1px solid var(--line);border-radius:10px;padding:20px;background:#fff;box-shadow:0 8px 22px rgba(7,40,75,.05)}
.value-logo-top{display:flex;align-items:center;gap:12px;margin-bottom:12px}.value-logo-top strong{font-size:15px;line-height:1.2}.value-logo-mark{width:46px;height:46px;object-fit:contain;border-radius:8px;flex:0 0 auto}.value-logo-card p{font-size:13px;color:var(--muted);margin:0;line-height:1.55}
.resource-hero{background:linear-gradient(115deg,#f8f7f3,#eef4fa)}
.resources-section{padding:56px 0}.resources-section>.section-kicker{text-align:left}.resources-section h2{font-family:Georgia,'Times New Roman',serif;font-size:34px;margin:8px 0 12px}.resources-section h3{font-size:19px;margin:0 0 10px}.resources-section h4{font-size:14px;margin:18px 0 7px;color:#273e55}.resources-section p,.resources-section li{color:var(--muted)}
.check-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;margin-top:24px}.guide-card{border:1px solid var(--line);border-radius:10px;background:#fff;padding:24px;box-shadow:0 8px 22px rgba(7,40,75,.04)}.guide-card ul{padding-left:20px;margin:12px 0 0}.guide-card li{margin:7px 0;line-height:1.5}
.review-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin-top:24px}.review-grid>div{display:grid;grid-template-columns:42px 1fr;align-items:center;gap:11px;background:#fff;border:1px solid var(--line);border-radius:9px;padding:13px 15px}.review-grid strong{width:34px;height:34px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-size:13px}.review-grid span{font-size:14px;color:#32485d}
.guide-split{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:24px}.comparison-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:24px}.comparison-grid article{border:1px solid var(--line);border-top:3px solid var(--gold);border-radius:10px;background:#fff;padding:24px}.comparison-grid p{font-size:14px;margin:10px 0}.notice-box{margin-top:20px;border-left:4px solid var(--gold);background:#fff7e7;padding:17px 19px;border-radius:8px;color:#49596a}.notice-box strong{color:var(--navy)}
.step-list{display:grid;gap:12px;margin-top:24px}.step-list>div{display:grid;grid-template-columns:220px 1fr;gap:16px;align-items:start;border:1px solid var(--line);border-radius:9px;background:#fff;padding:16px 18px}.step-list strong{color:var(--navy)}.step-list span{color:var(--muted);font-size:14px}
.glossary-grid.expanded{grid-template-columns:repeat(4,1fr);margin-top:24px}.faq-stack{border-top:1px solid var(--line);margin-top:22px}.faq-stack details{border-bottom:1px solid var(--line);padding:16px 0}.faq-stack summary{cursor:pointer;font-weight:800;color:var(--navy)}.faq-stack p{padding-right:20px}.resource-legal{margin-top:22px}.print-btn{cursor:pointer}
@media print{.site-header,.site-footer,.callout,.hero-buttons,.resource-hub{display:none!important}.page-hero,.soft-section{background:#fff!important}.resources-section{padding:20px 0}.guide-card,.comparison-grid article,.review-grid>div,.step-list>div{box-shadow:none;break-inside:avoid}.container{width:100%;max-width:none}}
@media(max-width:1040px){.brand-logo-grid,.value-logo-grid{grid-template-columns:repeat(3,1fr)}.guide-split,.comparison-grid{grid-template-columns:1fr 1fr}.glossary-grid.expanded{grid-template-columns:repeat(3,1fr)}}
@media(max-width:700px){.brand-logo-grid,.value-logo-grid{grid-template-columns:repeat(2,1fr)}.check-grid,.review-grid,.guide-split,.comparison-grid{grid-template-columns:1fr}.step-list>div{grid-template-columns:1fr;gap:5px}.glossary-grid.expanded{grid-template-columns:1fr 1fr}}
@media(max-width:430px){.brand-logo-grid,.value-logo-grid,.glossary-grid.expanded{grid-template-columns:1fr}.brand-logo-card{min-height:118px}}

/* v10 employee-benefit expandable videos */
.benefits-video-section{padding:55px 0}.centered-copy{margin:0 auto;text-align:center}.benefit-video-list{display:grid;gap:12px;max-width:940px;margin:28px auto 0}.benefit-video-list details{border:1px solid var(--line);border-radius:10px;background:#fff;box-shadow:0 7px 18px rgba(7,40,75,.045);overflow:hidden}.benefit-video-list summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:18px;padding:19px 22px;font-weight:800;color:var(--navy)}.benefit-video-list summary::-webkit-details-marker{display:none}.benefit-video-list summary:after{content:'+';font-size:24px;line-height:1;color:var(--gold);font-weight:700}.benefit-video-list details[open] summary{border-bottom:1px solid var(--line);background:#fbfaf7}.benefit-video-list details[open] summary:after{content:'−'}.watch-label{margin-left:auto;font-size:12px;text-transform:uppercase;letter-spacing:.08em;color:#8b6a25;font-weight:800}.benefit-video-body{padding:20px 22px 24px}.benefit-video-body>p{max-width:760px;color:var(--muted);margin:0 0 16px}.video-frame{position:relative;width:100%;aspect-ratio:16/9;background:#000;border-radius:9px;overflow:hidden}.video-frame iframe{position:absolute;inset:0;width:100%;height:100%;border:0}.benefit-video-note{max-width:940px;margin:18px auto 0;text-align:center}@media(max-width:600px){.benefit-video-list summary{padding:16px}.watch-label{display:none}.benefit-video-body{padding:16px}}


/* v11 — slightly larger site scale + logo-only life carrier wall */
body{font-size:17px}
.header-inner{min-height:116px;grid-template-columns:285px 1fr;gap:24px}
.brand img{width:272px;height:98px}
.desktop-nav{gap:17px;padding-bottom:28px}
.nav-link{font-size:13px;min-height:40px}
.dropdown a{font-size:13px}
.hero h1{font-size:49px}
.hero p,.page-hero p{font-size:19px}
.page-hero h1{font-size:49px}
.eyebrow{font-size:17px}
.section-kicker{font-size:13px}
.intro-solutions h2{font-size:37px}
.coverage-card h3{font-size:19px}
.coverage-card p{font-size:14px}
.coverage-card span{font-size:13px}
.guidance-content h2{font-size:41px}
.guidance-content p{font-size:18px}
.request-panel h2{font-size:33px}
.quick-links a{font-size:14px}
.trust-item small{font-size:13px}
.detail-card h2{font-size:30px}
.callout h2{font-size:36px}
.feature-copy h2,.about-grid h2,.bio-section h2,.resources-grid h2,.contact-grid h2,.life-types h2,.carrier-section h2,.benefits-intro h2,.value-section h2,.mission-grid h2,.credentials-wrap h2,.quote-page h2{font-size:34px}
.bio-main p{font-size:18px}
.principles span,.audience-grid p,.focus-grid p,.approach-grid p{font-size:15px}
.resource-hub span,.benefit-card p,.value-card span,.mini-list{font-size:14px}
.resources-section h2{font-size:36px}
.resources-section h3{font-size:20px}
.resources-section h4{font-size:15px}
.review-grid span,.step-list span{font-size:15px}
.value-logo-top strong{font-size:16px}
.value-logo-card p{font-size:14px}
.benefit-video-list summary{font-size:17px;padding:21px 24px}
.watch-label{font-size:13px}
.benefit-video-body>p{font-size:16px}
.footer-logo{width:225px}
.footer-nav{font-size:12px}
.footer-contact{font-size:13px}
.footer-bottom,.fineprint{font-size:13px}

.brand-logo-grid{gap:16px}
.brand-logo-card{min-height:128px;padding:22px 16px;gap:0}
.brand-logo-mark{width:165px;height:72px}

@media(max-width:1180px){
  .header-inner{grid-template-columns:235px 1fr;gap:18px}
  .brand img{width:230px;height:86px}
  .desktop-nav{gap:10px}
  .nav-link{font-size:12px}
}
@media(max-width:1040px){
  body{font-size:16.5px}
  .header-inner{min-height:86px;grid-template-columns:1fr auto}
  .brand img{width:235px;height:78px}
  .mobile-nav>a,.mobile-nav summary{font-size:16px}
  .mobile-nav details>a{font-size:14px}
  .hero h1{font-size:43px}
  .page-hero h1{font-size:41px}
}
@media(max-width:520px){
  body{font-size:16px}
  .brand img{width:220px;height:74px}
  .hero h1{font-size:37px}
  .page-hero h1{font-size:37px}
  .coverage-card h3{font-size:16px}
  .coverage-card span{font-size:12px}
  .brand-logo-card{min-height:112px;padding:17px 12px}
  .brand-logo-mark{width:150px;height:62px}
  .footer-logo{width:215px}
}