:root{
  --navy:#0A2342;
  --blue:#0057B8;
  --sky:#3BA6E0;
  --gray:#8E98A8;
  --light:#ECEFF2;
  --ink:#17263a;
  --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:1.55}a{color:var(--blue);text-decoration:none}a:hover{text-decoration:underline}img{max-width:100%;display:block}.wrap{width:min(var(--max),calc(100% - 40px));margin:0 auto}
header{position:sticky;top:0;z-index:20;background:#fff;border-bottom:1px solid #dfe5eb;box-shadow:0 3px 14px rgba(10,35,66,.06)}.top{display:flex;align-items:center;justify-content:space-between;gap:26px;padding:12px 0}.brand{flex:0 0 auto}.brand img{width:310px;max-width:36vw;height:auto}.navwrap{display:flex;align-items:center;gap:18px;min-width:0}nav{display:flex;align-items:center;gap:4px;flex-wrap:wrap;justify-content:flex-end}nav a{color:var(--navy);font-size:14px;font-weight:700;padding:9px 10px;border-radius:8px}nav a.active,nav a:hover{background:var(--light);text-decoration:none;color:var(--blue)}.schedule-button{background:var(--blue);color:#fff!important;padding:10px 14px;border-radius:8px;font-weight:700;white-space:nowrap}.schedule-button:hover{text-decoration:none;background:#004892}
.hero{background:linear-gradient(135deg,#f8fbfe 0%,#eef6fc 55%,#fff 100%);position:relative;overflow:hidden}.hero:after{content:"";position:absolute;width:520px;height:520px;border:52px solid rgba(0,87,184,.08);border-radius:50%;right:-220px;bottom:-300px}.hero-grid{display:grid;grid-template-columns:minmax(0,1.35fr) minmax(300px,.65fr);gap:52px;align-items:center;padding:72px 0;position:relative;z-index:1}.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-weight:800;color:var(--blue);font-size:13px;margin-bottom:12px}h1,h2,h3{color:var(--navy);line-height:1.15;margin-top:0}h1{font-size:clamp(38px,5vw,62px);letter-spacing:-.03em;margin-bottom:20px}h2{font-size:clamp(28px,3.4vw,42px);margin-bottom:16px}h3{font-size:21px;margin-bottom:10px}.hero p{font-size:19px;max-width:720px}.hero-card{background:#fff;border:1px solid #dfe7ee;border-radius:16px;padding:30px;box-shadow:0 16px 40px rgba(10,35,66,.08)}.hero-card ul{margin:12px 0 0;padding-left:20px}.hero-card li{margin:10px 0}.actions{display:flex;flex-wrap:wrap;gap:12px;margin:28px 0 14px}.btn{display:inline-block;padding:12px 18px;border-radius:8px;font-weight:800}.btn.primary{background:var(--blue);color:#fff}.btn.secondary{border:2px solid var(--blue);color:var(--blue);background:#fff}.btn:hover{text-decoration:none;transform:translateY(-1px)}.mini{font-size:13px!important;color:#627184}
.service-nav{display:flex;gap:10px;flex-wrap:wrap;padding:18px 0}.service-nav a{padding:8px 12px;border:1px solid #d9e2ea;border-radius:999px;color:var(--navy);font-weight:700;font-size:14px}.service-nav a.active{background:var(--navy);color:#fff;border-color:var(--navy)}section{padding:70px 0}.section-head{max-width:820px;margin-bottom:32px}.section-head p{font-size:18px;color:#58697d}.cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}.card{border:1px solid #dfe5eb;border-radius:14px;padding:24px;background:#fff;box-shadow:0 7px 20px rgba(10,35,66,.04)}.card .icon{width:44px;height:44px;display:grid;place-items:center;border-radius:12px;background:var(--light);color:var(--blue);font-weight:900;margin-bottom:16px}.card a{font-weight:800}.soft{background:var(--light)}.steps{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px}.step{background:#fff;border-radius:14px;padding:26px}.num{font-size:14px;color:var(--sky);font-weight:900;letter-spacing:.12em;margin-bottom:10px}.split{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}.contact{background:var(--navy);color:#fff}.contact h2,.contact .section-head p{color:#fff}.form{background:#fff;color:var(--ink);border-radius:14px;padding:24px}.grid2{display:grid;grid-template-columns:1fr 1fr;gap:14px}.field label{display:block;font-weight:700;font-size:14px;margin-bottom:6px}.field input,.field select,.field textarea{width:100%;border:1px solid #cad4df;border-radius:8px;padding:11px 12px;font-size:16px}.consent{font-size:13px;margin:16px 0}.consent label{display:flex;gap:10px}.form button{border:0;border-radius:8px;background:var(--blue);color:#fff;padding:12px 18px;font-size:16px;font-weight:800;cursor:pointer}.content{padding:58px 0}.content-grid{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(280px,.75fr);gap:44px}.panel{border:1px solid #dfe5eb;border-radius:14px;padding:24px;background:#fff}.notice{background:#f5f8fb;border-left:4px solid var(--blue);padding:16px 18px;border-radius:6px;margin:20px 0}.checklist{padding-left:20px}.checklist li{margin:9px 0}.legal{font-size:14px;color:#536275}.legal h2{font-size:27px;margin-top:32px}footer{background:#071a32;color:#dce6ef;padding:34px 0}.foot{display:flex;justify-content:space-between;gap:30px;align-items:flex-start}.foot strong{color:#fff}.footlinks{display:flex;flex-wrap:wrap;gap:14px;justify-content:flex-end}.foot a{color:#dce6ef}
@media(max-width:980px){.top{align-items:flex-start}.navwrap{flex-direction:column;align-items:flex-end}.brand img{width:260px;max-width:44vw}.hero-grid,.split,.content-grid{grid-template-columns:1fr}.cards{grid-template-columns:repeat(2,1fr)}}
@media(max-width:720px){.wrap{width:min(100% - 28px,var(--max))}.top{flex-direction:column}.brand img{width:300px;max-width:100%}.navwrap{width:100%;align-items:stretch}.nav{justify-content:flex-start}nav{justify-content:flex-start}.schedule-button{text-align:center}.hero-grid{padding:48px 0}.cards,.steps,.grid2{grid-template-columns:1fr}.foot{flex-direction:column}.footlinks{justify-content:flex-start}.service-nav{overflow-x:auto;flex-wrap:nowrap;padding-bottom:14px}.service-nav a{white-space:nowrap}}
.audience-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}.audience-card{background:#fff;border:1px solid #dfe5eb;border-radius:16px;padding:32px}.audience-card p{font-size:17px}.audience-links{display:flex;gap:10px;flex-wrap:wrap;margin-top:22px}.audience-links a{border:1px solid #cfdeee;border-radius:8px;padding:9px 12px;font-weight:700}.audience-links a:hover{background:#edf5ff;text-decoration:none}.compact-hero{padding:54px 0}.compact-hero h1{max-width:850px}.compact-hero p{max-width:780px}.appointment-form{box-shadow:0 8px 30px rgba(10,35,66,.12);border:1px solid #dfe5eb}.appointment-form .field{margin-bottom:14px}.appointment-form h2{font-size:29px}.steps.single{display:grid;grid-template-columns:1fr;gap:12px;margin-bottom:24px}.steps.single .step{border:1px solid #dfe5eb;padding:20px}.formMsg:not(:empty){background:#eaf3ff;color:#0a2342;padding:12px;border-radius:8px;font-size:15px!important}.contact .btn.primary{background:#fff;color:var(--navy)}
@media(max-width:720px){.audience-grid{grid-template-columns:1fr}.audience-card{padding:24px}.compact-hero{padding:38px 0}nav{justify-content:flex-start}}

.coverage-tool-section{padding:56px 0;background:#f4f8fb}.coverage-tool-section .section-head{max-width:780px}.coverage-tool-section .section-head p{line-height:1.6}.coverage-tool-frame{display:block;width:100%;min-height:850px;border:1px solid #dce6ee;border-radius:16px;background:white}.coverage-tool-section .mini{margin-top:14px}
@media(max-width:760px){.coverage-tool-section{padding:36px 0}.coverage-tool-frame{border-radius:10px}}

/* Home page service image */
.home-hero-visual{position:relative;margin:0;overflow:hidden;border-radius:18px;box-shadow:0 22px 50px rgba(10,35,66,.15);background:#dbe5ee}.home-hero-visual img{width:100%;height:420px;object-fit:cover;object-position:51% center}.home-hero-visual figcaption{position:absolute;inset:auto 0 0;padding:35px 22px 18px;color:#fff;font-size:16px;font-weight:800;background:linear-gradient(transparent,rgba(7,26,50,.8))}.hero:has(.home-hero-visual) .hero-grid{grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);gap:36px}.hero:has(.home-hero-visual) .hero-grid>div{min-width:0}
@media(max-width:980px){.hero:has(.home-hero-visual) .hero-grid{grid-template-columns:1fr}.home-hero-visual img{height:auto;max-height:480px;aspect-ratio:16/9}}
@media(max-width:720px){.home-hero-visual img{aspect-ratio:4/3;object-fit:cover}.home-hero-visual figcaption{font-size:14px;padding:30px 16px 14px}}

#contact{scroll-margin-top:110px}.contact-methods{display:flex;flex-wrap:wrap;gap:12px;margin-top:20px}.contact-methods a{display:inline-block;color:#fff;border:1px solid rgba(255,255,255,.6);border-radius:8px;padding:10px 14px;font-size:16px;font-weight:700}.contact-methods a:hover,.contact-methods a:focus-visible{background:#fff;color:var(--navy);text-decoration:none}

footer .copyright{display:inline-block;margin-top:14px;font-size:13px;color:#bbcad8}footer sup{font-size:.6em;vertical-align:super}

#final-expense{scroll-margin-top:110px}.final-expense-section{background:#f5f8fb}.final-expense-note{margin:24px 0;max-width:760px;font-size:17px;color:#46576c}

.home-section-label{font-size:16px;letter-spacing:.1em;margin-bottom:14px}

.coverage-menu{position:relative;color:var(--navy);font-size:14px;font-weight:700}.coverage-menu summary{cursor:pointer;padding:9px 10px;border-radius:8px;list-style:none}.coverage-menu summary::-webkit-details-marker{display:none}.coverage-menu summary::after{content:"⌄";margin-left:7px}.coverage-menu.active summary,.coverage-menu summary:hover,.coverage-menu[open] summary{background:var(--light);color:var(--blue)}.coverage-menu-links{position:absolute;top:100%;left:0;min-width:190px;padding:8px;background:#fff;border:1px solid #dfe5eb;border-radius:10px;box-shadow:0 12px 30px rgba(10,35,66,.15);z-index:40}.coverage-menu-links a{display:block;white-space:nowrap;padding:10px 12px!important;border:0!important;border-radius:6px!important}.coverage-menu-links a[aria-current="page"]{background:var(--light);color:var(--blue)}.service-nav{overflow:visible}.service-nav .coverage-menu summary{border:1px solid #d9e2ea;border-radius:999px;padding:8px 12px}.coverage-menu summary:focus-visible{outline:3px solid var(--sky);outline-offset:2px}
@media(max-width:720px){.service-nav{flex-wrap:wrap;overflow:visible}.coverage-menu-links{left:0;right:auto}}

.coverage-menu-links{min-width:225px}

#group-health,#owner-business{scroll-margin-top:140px}.coverage-menu-links{min-width:240px}

.home-hero h1{font-family:Georgia,"Times New Roman",serif;font-weight:400;color:#0a2342;font-size:clamp(44px,5.6vw,76px);line-height:1.03;letter-spacing:-.035em}.home-hero h1 em{color:#0057b8;font-weight:400}.home-hero .hero-grid>div>p:not(.mini){color:#58697d;line-height:1.75}

.regional-photo{margin:0 0 24px}.regional-photo img{width:100%;height:auto;border-radius:16px;box-shadow:0 12px 30px rgba(10,35,66,.12)}

.form-trap{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}.contact .form h2{color:var(--navy)}