@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700&family=Playfair+Display:ital,wght@0,500;0,600;1,500;1,600&display=swap');
:root{--ink:#142b35;--ink2:#244650;--muted:#6e7d82;--gold:#b18a52;--gold2:#d7bd86;--sage:#71877d;--paper:#fffdf9;--cream:#f4f1ea;--line:#e1ddd4;--shadow:0 24px 70px rgba(20,43,53,.10)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:'DM Sans',Arial,sans-serif;line-height:1.65;-webkit-font-smoothing:antialiased}body:before{content:'';position:fixed;inset:0;pointer-events:none;z-index:9999;opacity:.018;background-image:url("data:image/svg+xml,%3Csvg viewBox='0 0 160 160' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.85' numOctaves='3' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E")}a{color:inherit;text-decoration:none}.container{width:min(1200px,92%);margin:auto}.site-header{position:sticky;top:0;z-index:1000;background:rgba(255,253,249,.88);backdrop-filter:blur(18px);border-bottom:1px solid rgba(16,36,44,.08)}.nav{min-height:82px;display:flex;align-items:center;gap:28px}.logo{font-size:22px;font-weight:700;letter-spacing:-.8px}.logo span{color:var(--gold)}.desktop-nav{margin-left:auto;display:flex;gap:27px;align-items:center;color:#53666c;font-size:12px;font-weight:600}.desktop-nav a{position:relative;padding:8px 0}.desktop-nav a:after{content:'';position:absolute;left:0;right:100%;bottom:2px;height:1px;background:var(--gold);transition:.25s}.desktop-nav a:hover:after{right:0}.nav-cta{border:1px solid var(--ink);padding:12px 18px;border-radius:999px;font-size:12px;font-weight:700;transition:.25s}.nav-cta:hover{background:var(--ink);color:#fff;transform:translateY(-2px)}.hero{position:relative;overflow:hidden;padding:110px 0 100px;background:radial-gradient(circle at 80% 25%,rgba(185,150,92,.13),transparent 32%),linear-gradient(180deg,#fffdf9 0%,#faf7f0 100%)}.hero:after{content:'';position:absolute;width:600px;height:600px;border:1px solid rgba(185,150,92,.16);border-radius:50%;right:-280px;bottom:-350px}.hero-grid{display:grid;grid-template-columns:1.12fr .88fr;gap:70px;align-items:center;position:relative;z-index:1}.eyebrow{display:inline-flex;gap:10px;align-items:center;color:#987848;font-size:10px;font-weight:800;letter-spacing:2.4px;text-transform:uppercase;margin-bottom:18px}.eyebrow:before{content:'';width:27px;height:1px;background:var(--gold)}.hero h1{font:500 clamp(50px,6vw,82px)/.99 'Playfair Display',Georgia,serif;letter-spacing:-3.5px;margin:0}.hero h1 em{font-style:italic;color:#a17e43}.hero-text{max-width:690px;color:#68787d;font-size:17px;line-height:1.85;margin:26px 0}.hero-actions{display:flex;gap:13px;flex-wrap:wrap;margin:32px 0 18px}.btn{display:inline-flex;align-items:center;justify-content:center;min-height:49px;padding:0 21px;border-radius:999px;border:1px solid transparent;font-size:12px;font-weight:800;cursor:pointer;transition:.25s}.btn:hover{transform:translateY(-3px)}.primary{background:var(--ink);color:#fff;box-shadow:0 15px 30px rgba(16,36,44,.16)}.primary:hover{box-shadow:0 20px 40px rgba(16,36,44,.22)}.secondary{background:#fff;border-color:#dcd6ca;color:var(--ink)}.secondary:hover{box-shadow:0 12px 30px rgba(16,36,44,.08)}.trust{color:#8a979a;font-size:11px}.hero-card{background:linear-gradient(145deg,#203d46,#0e252d);color:#fff;border-radius:28px;padding:34px;box-shadow:0 35px 90px rgba(16,36,44,.22);position:relative;overflow:hidden;transform:rotate(-2deg);transition:.5s}.hero-card:hover{transform:rotate(0) translateY(-7px)}.hero-card:after{content:'';position:absolute;width:280px;height:280px;border:1px solid rgba(216,193,141,.18);border-radius:50%;right:-130px;top:-120px}.card-label{color:var(--gold2);font-size:10px;text-transform:uppercase;letter-spacing:2px;font-weight:800}.hero-card h2{font:500 37px/1.05 'Playfair Display',serif;margin:70px 0 15px}.hero-card p{color:#b8c5c8;font-size:13px;max-width:360px}.mini-list{border-top:1px solid rgba(255,255,255,.13);margin-top:30px}.mini-list div{padding:13px 0;border-bottom:1px solid rgba(255,255,255,.09);font-size:11px;color:#e9eded}.section{padding:110px 0}.section.dark{background:var(--ink);color:#fff}.section.soft{background:linear-gradient(135deg,#f4f1ea 0%,#fbfaf7 58%,#eef2ef 100%)}.section-head{max-width:760px;margin-bottom:48px}.section-head h2{font:500 clamp(40px,4.5vw,58px)/1.08 'Playfair Display',serif;letter-spacing:-2px;margin:10px 0 16px}.section-head p{color:var(--muted);font-size:14px;max-width:680px}.section-head.light p{color:#b4c1c5}.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:15px}.card{background:#fff;border:1px solid var(--line);border-radius:22px;padding:28px;min-height:255px;position:relative;overflow:hidden;transition:.3s}.card:before{content:'';position:absolute;width:120px;height:120px;border-radius:50%;right:-60px;top:-60px;background:rgba(185,150,92,.09);transition:.3s}.card:hover{transform:translateY(-7px);box-shadow:var(--shadow);border-color:#d7c6a7}.card:hover:before{transform:scale(1.4)}.card h3{font:500 24px/1.12 'Playfair Display',serif;margin:55px 0 13px}.card p{font-size:12px;color:#6c7b80;margin:0}.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:28px}.steps>div{position:relative;padding-top:54px}.steps>div:before{content:attr(data-step);position:absolute;top:0;left:0;width:38px;height:38px;border:1px solid rgba(216,193,141,.55);border-radius:50%;display:grid;place-items:center;color:var(--gold2);font-size:11px}.steps h3{font:500 23px/1.1 'Playfair Display',serif;margin:0 0 10px}.steps p{color:#aebbc0;font-size:12px;margin:0;max-width:240px}.split{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:start}.split>div:first-child{padding-top:20px}.split h2{font:500 clamp(39px,4.4vw,56px)/1.08 'Playfair Display',serif;letter-spacing:-2px;margin:10px 0 18px}.split>div>p{color:var(--muted);font-size:14px;max-width:560px}.split ul{padding:0;margin:28px 0 0;list-style:none}.split li{padding:12px 0 12px 24px;border-top:1px solid var(--line);font-size:12px;position:relative;color:#4f6268}.split li:before{content:'✓';position:absolute;left:0;color:var(--gold);font-weight:800}.hp-field{position:absolute!important;left:-10000px!important;width:1px!important;height:1px!important;overflow:hidden!important;opacity:0!important;pointer-events:none!important}.form-card{background:#fff;border:1px solid var(--line);border-radius:25px;padding:31px;box-shadow:0 25px 70px rgba(16,36,44,.08)}.form-card h3{font:500 30px 'Playfair Display',serif;margin:0 0 7px}.form-note{color:#7a878b;font-size:11px;margin:0 0 20px}.form-card label{display:block;font-size:10px;font-weight:800;color:#42565c;margin:12px 0}.form-card input,.form-card textarea{width:100%;display:block;margin-top:6px;border:1px solid #ddd8ce;background:#fcfbf8;border-radius:11px;padding:12px 13px;color:var(--ink);font-size:12px;outline:none;transition:.2s}.form-card input:focus,.form-card textarea:focus{border-color:var(--gold);box-shadow:0 0 0 4px rgba(185,150,92,.12);background:#fff}.form-card textarea{resize:vertical;min-height:95px}.consent{display:flex!important;align-items:flex-start;gap:9px}.consent input{width:auto!important;margin-top:3px}.consent span{font-size:9px;line-height:1.5;color:#69787d;font-weight:500}.privacy-note{background:#f7f4ed;border:1px solid #e9e2d4;border-radius:12px;padding:12px;color:#6c777b;font-size:9px;line-height:1.55}.full{width:100%;margin-top:8px}.states{background:linear-gradient(135deg,#f4f1ea 0%,#faf9f6 56%,#eef2ef 100%)}
.coverage-note{display:flex;align-items:center;justify-content:space-between;gap:20px;background:var(--ink);color:#fff;padding:18px 21px;border-radius:16px;margin-bottom:22px;box-shadow:0 16px 35px rgba(20,43,53,.10)}
.coverage-note strong{font-size:12px}.coverage-note span{font-size:10px;color:#b7c3c7}
.state-grid{display:grid;grid-template-columns:repeat(10,minmax(0,1fr));gap:10px;align-items:start;position:relative}
.state-item{position:relative;min-width:0;z-index:1}
.state-item:hover,.state-item.open,.state-item:focus-within{z-index:100}
.state-toggle{appearance:none;-webkit-appearance:none;width:100%;height:58px;padding:8px 7px;border:1px solid #ddd8ce;border-radius:14px;background:rgba(255,255,255,.92);color:#263d45;display:flex;align-items:center;justify-content:center;gap:6px;cursor:pointer;text-align:center;font-family:'DM Sans',Arial,sans-serif;font-size:10px;line-height:1.15;font-weight:800;box-shadow:0 5px 16px rgba(20,43,53,.045);transition:transform .25s ease,box-shadow .25s ease,border-color .25s ease,background .25s ease,color .25s ease}
.state-toggle:before{content:'';width:5px;height:5px;flex:0 0 5px;border-radius:50%;background:var(--gold);box-shadow:0 0 0 4px rgba(177,138,82,.10);transition:.25s}
.state-toggle:hover,.state-item.open .state-toggle,.state-toggle:focus-visible{transform:translateY(-3px);border-color:#cbb88f;background:#fff;box-shadow:0 14px 28px rgba(20,43,53,.12);color:var(--ink);outline:none}
.state-item.open .state-toggle:before,.state-toggle:hover:before{background:var(--sage);box-shadow:0 0 0 4px rgba(113,135,125,.12)}
.state-chevron{width:18px;height:18px;display:grid;place-items:center;border-radius:50%;background:#f3efe7;color:var(--gold);font-size:10px;line-height:1;transition:transform .25s ease,background .25s ease}
.state-item:hover .state-chevron,.state-item.open .state-chevron{transform:rotate(180deg);background:#eee7d8}
.state-panel{position:absolute;left:50%;top:calc(100% + 10px);transform:translateX(-50%) translateY(-8px) scale(.98);transform-origin:top center;width:245px;background:rgba(255,255,255,.98);border:1px solid #ded5c4;border-radius:16px;padding:15px;box-shadow:0 24px 55px rgba(20,43,53,.18);backdrop-filter:blur(16px);opacity:0;visibility:hidden;pointer-events:none;transition:opacity .18s ease,transform .18s ease,visibility .18s ease}
.state-item:hover .state-panel,.state-item.open .state-panel,.state-item:focus-within .state-panel{opacity:1;visibility:visible;pointer-events:auto;transform:translateX(-50%) translateY(0) scale(1)}
.state-item:nth-child(10n+1) .state-panel,.state-item:nth-child(10n+2) .state-panel,.state-item:nth-child(10n+3) .state-panel{left:0;transform:translateY(-8px) scale(.98);transform-origin:top left}
.state-item:nth-child(10n+1):hover .state-panel,.state-item:nth-child(10n+2):hover .state-panel,.state-item:nth-child(10n+3):hover .state-panel,.state-item:nth-child(10n+1).open .state-panel,.state-item:nth-child(10n+2).open .state-panel,.state-item:nth-child(10n+3).open .state-panel,.state-item:nth-child(10n+1):focus-within .state-panel,.state-item:nth-child(10n+2):focus-within .state-panel,.state-item:nth-child(10n+3):focus-within .state-panel{transform:translateY(0) scale(1)}
.state-item:nth-child(10n+8) .state-panel,.state-item:nth-child(10n+9) .state-panel,.state-item:nth-child(10n) .state-panel{left:auto;right:0;transform:translateY(-8px) scale(.98);transform-origin:top right}
.state-item:nth-child(10n+8):hover .state-panel,.state-item:nth-child(10n+9):hover .state-panel,.state-item:nth-child(10n):hover .state-panel,.state-item:nth-child(10n+8).open .state-panel,.state-item:nth-child(10n+9).open .state-panel,.state-item:nth-child(10n).open .state-panel,.state-item:nth-child(10n+8):focus-within .state-panel,.state-item:nth-child(10n+9):focus-within .state-panel,.state-item:nth-child(10n):focus-within .state-panel{transform:translateY(0) scale(1)}
.state-panel-title{font-size:9px;text-transform:uppercase;letter-spacing:1.5px;color:#9a7a47;font-weight:800;margin-bottom:11px;display:flex;align-items:center;gap:8px}.state-panel-title:before{content:'';width:18px;height:1px;background:var(--gold)}
.coverage-points{display:grid;gap:7px}.coverage-points span{display:block;background:linear-gradient(135deg,#f7f3eb,#f0f4f1);border:1px solid #e5dfd3;border-radius:9px;padding:8px 9px;color:#53666c;font-size:9px;font-weight:700;transition:.2s}.coverage-points span:hover{border-color:#cfbd9a;transform:translateX(2px)}.coverage-points span:before{content:'•';color:var(--sage);margin-right:6px}.source-note{text-align:center;color:#899498;font-size:9px;margin:20px 0 0}
.contact{padding:105px 0}.contact-box{background:linear-gradient(135deg,#122830,#23434d);color:#fff;border-radius:27px;padding:50px 55px;display:flex;justify-content:space-between;align-items:center;gap:40px;box-shadow:0 30px 80px rgba(16,36,44,.16)}.contact-box h2{font:500 46px/1.06 'Playfair Display',serif;margin:10px 0 14px}.contact-box p{color:#b8c5c8;font-size:13px}.email{font-size:13px;font-weight:800;color:#fff;border-bottom:1px solid rgba(255,255,255,.35);padding:10px 0;white-space:nowrap}.email:hover{color:var(--gold2)}footer{border-top:1px solid var(--line);padding:45px 0 24px}.footer-grid{display:flex;justify-content:space-between;gap:35px}.footer-grid p{color:#89969a;font-size:11px}.footer-links{display:flex;gap:20px;align-items:center;font-size:10px;color:#6d7c81}.footer-links a:hover{color:var(--gold)}.footer-disclaimer{max-width:720px;color:#99a3a6;font-size:9px!important;margin-top:16px}.copyright{border-top:1px solid var(--line);margin-top:25px;padding-top:15px;color:#99a3a6;font-size:9px}.legal{padding:90px 0}.narrow{max-width:820px}.legal h1{font:500 clamp(44px,6vw,68px)/1 'Playfair Display',serif;margin:0 0 15px}.legal h2{font:500 25px/1.15 'Playfair Display',serif;margin:38px 0 10px}.legal p{color:#617278;font-size:13px}.legal .notice{background:#f5f1e8;border:1px solid #e4dac6;padding:15px;border-radius:12px;font-size:10px}.reveal{opacity:0;transform:translateY(18px)}.visible{opacity:1;transform:none;transition:.7s ease}.desktop-nav a,.footer-links a,.email,.logo{transition:color .25s ease,opacity .25s ease}.desktop-nav a:hover{color:var(--ink)}
.form-card:hover{box-shadow:0 30px 80px rgba(20,43,53,.12);border-color:#d6c8ae}.form-card button:hover{letter-spacing:.15px}.contact-box{transition:transform .35s ease,box-shadow .35s ease}.contact-box:hover{transform:translateY(-4px);box-shadow:0 38px 90px rgba(16,36,44,.22)}
@media(max-width:1200px){.state-grid{grid-template-columns:repeat(5,minmax(0,1fr))}.state-item:nth-child(10n+1) .state-panel,.state-item:nth-child(10n+2) .state-panel,.state-item:nth-child(10n+3) .state-panel,.state-item:nth-child(10n+8) .state-panel,.state-item:nth-child(10n+9) .state-panel,.state-item:nth-child(10n) .state-panel{left:50%;right:auto;transform:translateX(-50%) translateY(-8px) scale(.98);transform-origin:top center}.state-item:nth-child(10n+1):hover .state-panel,.state-item:nth-child(10n+2):hover .state-panel,.state-item:nth-child(10n+3):hover .state-panel,.state-item:nth-child(10n+8):hover .state-panel,.state-item:nth-child(10n+9):hover .state-panel,.state-item:nth-child(10n):hover .state-panel,.state-item:nth-child(10n+1).open .state-panel,.state-item:nth-child(10n+2).open .state-panel,.state-item:nth-child(10n+3).open .state-panel,.state-item:nth-child(10n+8).open .state-panel,.state-item:nth-child(10n+9).open .state-panel,.state-item:nth-child(10n).open .state-panel,.state-item:nth-child(10n+1):focus-within .state-panel,.state-item:nth-child(10n+2):focus-within .state-panel,.state-item:nth-child(10n+3):focus-within .state-panel,.state-item:nth-child(10n+8):focus-within .state-panel,.state-item:nth-child(10n+9):focus-within .state-panel,.state-item:nth-child(10n):focus-within .state-panel{transform:translateX(-50%) translateY(0) scale(1)}}@media(max-width:900px){.hero-grid,.split{grid-template-columns:1fr}.hero-card{max-width:580px}.cards{grid-template-columns:repeat(2,1fr)}.steps{grid-template-columns:repeat(2,1fr)}.desktop-nav{gap:15px}.nav{gap:15px}.contact-box{display:block}.email{display:inline-block;margin-top:20px}}@media(max-width:620px){.nav{min-height:70px}.desktop-nav{display:none}.nav-cta{margin-left:auto;padding:10px 13px;font-size:10px}.hero{padding:78px 0}.hero h1{font-size:47px;letter-spacing:-2.3px}.hero-actions{flex-direction:column}.btn{width:100%}.cards,.steps{grid-template-columns:1fr}.section{padding:80px 0}.split{gap:45px}.form-card{padding:22px}.coverage-note{display:block}.coverage-note span{display:block;margin-top:5px}.state-grid{grid-template-columns:repeat(2,1fr)}.state-panel{width:250px}.contact-box{padding:35px 25px}.contact-box h2{font-size:37px}.footer-grid{display:block}.footer-links{margin-top:20px;display:grid;gap:10px}}

/* Premium four-tone palette accents */
.hero{background:radial-gradient(circle at 80% 25%,rgba(177,138,82,.13),transparent 32%),linear-gradient(180deg,#fffdf9 0%,#f4f1ea 100%)}
.card:before{background:rgba(113,135,125,.09)}
.state-item:hover,.state-item.open,.state-item:focus-within{border-color:#b18a52}
.coverage-points span:before{color:var(--sage)}
.form-card input[type="file"]{width:100%;padding:9px 10px;background:#fff;border:1px solid #d8d0c2;border-radius:12px;cursor:pointer;font:inherit;color:var(--ink);transition:border-color .2s ease,box-shadow .2s ease,background .2s ease}.form-card input[type="file"]::file-selector-button{margin-right:12px;padding:10px 16px;border:0;border-radius:9px;background:var(--navy);color:#fff;font:600 14px/1.2 inherit;cursor:pointer;transition:background .2s ease,transform .2s ease}.form-card input[type="file"]::file-selector-button:hover{background:var(--gold);color:var(--navy);transform:translateY(-1px)}.form-card input[type="file"]:hover{border-color:var(--gold);background:#fcfaf5}.form-card input[type="file"]:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(196,154,72,.16)}
.form-card input[type="file"]:hover{border-color:var(--gold);background:#fcfaf5}
.field-hint{font-size:9px;font-weight:500;color:#8b9699;margin-left:5px}