:root{--primary: #011C3A;--primary-dark: #00112A;--primary-light: #0F2F55;--primary-lighter: #2B5A8C;--primary-pale: #E6ECF3;--accent: #E0081A;--accent-light: #F0303F;--accent-dark: #B80614;--white: #FFFFFF;--off-white: #F6F6F4;--gray-100: #F3F4F6;--gray-200: #E5E7EB;--gray-300: #D1D5DB;--gray-400: #9CA3AF;--gray-500: #6B7280;--gray-600: #4B5563;--gray-700: #374151;--gray-800: #1F2937;--gray-900: #111827;--font-heading: "Source Serif 4", Georgia, "Times New Roman", serif;--font-body: "Libre Franklin", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;--radius: 4px;--radius-lg: 6px;--section-padding: 100px;--container-max: 1200px;--ease-out: cubic-bezier(.23, 1, .32, 1);--ease-drawer: cubic-bezier(.32, .72, 0, 1);--transition: color .2s ease, background-color .2s ease, border-color .2s ease, box-shadow .2s ease, opacity .2s var(--ease-out), transform .2s var(--ease-out), visibility .2s;--shadow-sm: 0 2px 4px rgba(0, 0, 0, .05);--shadow-md: 0 4px 12px rgba(0, 0, 0, .08);--shadow-lg: 0 8px 30px rgba(0, 0, 0, .12);--shadow-xl: 0 20px 60px rgba(0, 0, 0, .15)}*,*:before,*:after{margin:0;padding:0;box-sizing:border-box}html{scroll-behavior:smooth}body{font-family:var(--font-body);font-size:16px;line-height:1.6;color:var(--gray-800);background-color:var(--white);-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}.container{width:100%;max-width:var(--container-max);margin:0 auto;padding:0 24px}h1,h2,h3,h4,h5,h6{font-family:var(--font-heading);font-weight:600;line-height:1.15;letter-spacing:-.01em;color:var(--primary)}h1{font-size:3.5rem}h2{font-size:2.5rem}h3{font-size:1.75rem}h4{font-size:1.25rem}p{margin-bottom:1rem}a{color:var(--accent);text-decoration:none;transition:var(--transition)}a:hover{color:var(--accent-light)}.btn{display:inline-flex;align-items:center;justify-content:center;padding:13px 26px;font-family:var(--font-body);font-size:.95rem;font-weight:600;letter-spacing:.01em;border:2px solid transparent;border-radius:var(--radius);cursor:pointer;transition:var(--transition)}.btn:active{transform:scale(.97)}.btn-primary{background-color:var(--accent);color:var(--white);border-color:var(--accent)}.btn-primary:hover{background-color:var(--accent-dark);border-color:var(--accent-dark);color:var(--white)}.btn-outline{background-color:transparent;color:var(--primary);border-color:var(--primary)}.btn-outline:hover{background-color:var(--primary);color:var(--white)}.btn-white{background-color:var(--white);color:var(--primary);border-color:var(--white)}.btn-white:hover{background-color:var(--off-white);border-color:var(--off-white);color:var(--primary)}.btn-outline-white{background-color:transparent;color:var(--white);border-color:#ffffff80}.btn-outline-white:hover{background-color:var(--white);border-color:var(--white);color:var(--primary)}.btn-lg{padding:16px 32px;font-size:1rem}.header{position:fixed;top:0;left:0;right:0;z-index:1000;background-color:var(--white);border-bottom:1px solid var(--gray-200);transition:var(--transition)}.header.scrolled{box-shadow:var(--shadow-md)}.header-container{display:flex;align-items:center;justify-content:space-between;max-width:var(--container-max);margin:0 auto;padding:0 24px;height:80px}.logo a{display:flex;align-items:center;gap:12px}.logo-img{height:50px;width:auto}.logo-text{display:flex;flex-direction:column;line-height:1.1}.logo-name{font-family:var(--font-body);font-size:1.05rem;font-weight:800;letter-spacing:.06em;text-transform:uppercase;color:var(--primary)}.logo-sub{margin-top:3px;font-size:.66rem;font-weight:600;letter-spacing:.22em;text-transform:uppercase;color:var(--gray-500)}.main-nav{display:flex;align-items:center}.nav-menu{display:flex;align-items:center;list-style:none;gap:4px}.nav-item{position:relative}.nav-link{display:flex;align-items:center;gap:4px;padding:12px 14px;font-size:.92rem;font-weight:500;white-space:nowrap;color:var(--gray-700);transition:var(--transition)}.nav-link:hover{color:var(--primary)}.dropdown-arrow{font-size:.7rem;transition:var(--transition)}.nav-item:hover .dropdown-arrow{transform:rotate(180deg)}.dropdown-menu{position:absolute;top:100%;left:0;min-width:220px;background-color:var(--white);border:1px solid var(--gray-200);border-radius:var(--radius);box-shadow:var(--shadow-lg);padding:8px 0;opacity:0;visibility:hidden;transform:translateY(6px);transform-origin:top left;transition:var(--transition);list-style:none}.nav-item:hover .dropdown-menu{opacity:1;visibility:visible;transform:translateY(0)}.dropdown-menu li a{display:block;padding:10px 20px;font-size:.92rem;color:var(--gray-700)}.dropdown-menu li a:hover{background-color:var(--primary-pale);color:var(--primary)}.header-actions{display:flex;align-items:center;gap:16px}.nav-backdrop{display:none}.mobile-menu-toggle{display:none;width:48px;height:48px;background:none;border:none;cursor:pointer;position:relative}.hamburger,.hamburger:before,.hamburger:after{display:block;width:24px;height:2px;background-color:var(--gray-800);position:absolute;left:12px;transition:var(--transition)}.hamburger{top:23px}.hamburger:before{content:"";top:-8px}.hamburger:after{content:"";top:8px}.hero{display:grid;grid-template-columns:1.05fr 1fr;min-height:min(100vh,860px);padding-top:80px;background-color:var(--off-white)}.hero-text{display:flex;flex-direction:column;justify-content:center;padding:72px 64px 72px max(24px,calc((100vw - var(--container-max)) / 2 + 24px))}.hero-title{font-size:3.6rem;line-height:1.05;color:var(--primary);margin-bottom:24px;max-width:15ch}.hero-subtitle{font-size:1.15rem;color:var(--gray-600);margin-bottom:36px;line-height:1.7;max-width:34rem}.hero-actions{display:flex;flex-wrap:wrap;gap:12px}.hero-facts{display:flex;flex-wrap:wrap;gap:12px 32px;list-style:none;margin-top:48px;padding-top:24px;border-top:1px solid var(--gray-200);font-size:.9rem;color:var(--gray-600)}.hero-facts strong{color:var(--primary);font-weight:700;margin-right:4px}.hero-media{position:relative;border-bottom:6px solid var(--accent)}.hero-media img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:40% 30%}.hero-carousel{overflow:hidden;touch-action:pan-y}.hero-slide{opacity:0;transform:scale(1.06);transition:opacity .9s var(--ease-out),transform 0s linear .9s}.hero-slide.active{opacity:1;transform:scale(1);transition:opacity .9s var(--ease-out),transform 7s linear}.hero-carousel-nav{position:absolute;left:24px;bottom:24px;display:flex;gap:4px;padding:4px;border-radius:999px;background-color:#ffffffb8;-webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px);box-shadow:0 4px 16px #011c3a1f}.hero-carousel-dot{position:relative;overflow:hidden;padding:8px 16px;border:0;border-radius:999px;background-color:transparent;color:var(--gray-700);font:inherit;font-size:.8rem;font-weight:600;cursor:pointer;transition:background-color .2s ease,color .2s ease,transform .16s var(--ease-out)}.hero-carousel-dot:active{transform:scale(.97)}.hero-carousel-dot.active{background-color:var(--white);color:var(--primary);box-shadow:0 1px 3px #011c3a1f}@media(hover:hover)and (pointer:fine){.hero-carousel-dot:not(.active):hover{color:var(--primary)}}.hero-carousel-progress{position:absolute;left:16px;right:16px;bottom:4px;height:2px;border-radius:2px;background-color:var(--accent);transform-origin:left;animation:hero-progress 6s linear forwards}.hero-carousel.paused .hero-carousel-progress{animation-play-state:paused}@keyframes hero-progress{0%{transform:scaleX(0)}to{transform:scaleX(1)}}@media(prefers-reduced-motion:reduce){.hero-slide,.hero-slide.active{transform:none;transition:opacity .3s ease}.hero-carousel-progress{display:none}}.hero-form-card{background:var(--white);border-radius:var(--radius-lg);padding:40px;box-shadow:var(--shadow-xl)}.hero-form-card h2{color:var(--primary);font-size:1.6rem;margin-bottom:8px}.hero-form-card p{color:var(--gray-500);font-size:.95rem;margin-bottom:24px}.hero-form-card .form-group label{color:var(--gray-700)}.hero-form-card .contact-form{gap:16px}.section-header{max-width:760px;margin:0 0 56px}.section-header-split .section-description{max-width:36rem;margin-bottom:0}.section-tag{display:inline-flex;align-items:center;gap:12px;font-size:.8rem;font-weight:600;text-transform:uppercase;letter-spacing:.1em;color:var(--accent);margin-bottom:12px}.section-tag-light{color:#ffffffd9}.section-title{margin-bottom:16px}.section-description{font-size:1.1rem;color:var(--gray-600);line-height:1.7}.section-cta{margin-top:48px}.section-photo{display:block;width:100%;aspect-ratio:4 / 3;object-fit:cover;border-radius:var(--radius-lg)}.services-overview{padding:var(--section-padding) 0;background-color:var(--white)}.services-grid{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid var(--gray-200)}.service-card{padding:40px 40px 8px 0}.service-card+.service-card{padding-left:40px;border-left:1px solid var(--gray-200)}.service-link{display:block;color:inherit}.service-link:hover{color:inherit}.service-title{display:flex;align-items:baseline;justify-content:space-between;gap:12px;font-size:1.5rem;margin-bottom:12px}.service-title:after{content:"→";font-family:var(--font-body);font-size:1.1rem;color:var(--accent);transition:transform .2s var(--ease-out)}@media(hover:hover)and (pointer:fine){.service-link:hover .service-title:after{transform:translate(4px)}}.service-description{color:var(--gray-600);margin-bottom:0;line-height:1.7}.why-us{padding:var(--section-padding) 0;background-color:var(--off-white)}.why-us-grid{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:center}.why-us-content .section-title{margin-bottom:24px}.why-us-text{color:var(--gray-600);font-size:1.1rem;line-height:1.8;margin-bottom:24px}.why-us-list{list-style:none}.why-us-list li{display:flex;align-items:center;gap:14px;padding:14px 0;font-size:1.02rem;color:var(--gray-800);border-top:1px solid var(--gray-200)}.check-icon{color:var(--accent);font-weight:700}.stats{padding:64px 0;background-color:var(--primary)}.stats-grid{display:grid;grid-template-columns:repeat(4,1fr)}.stat-item{display:flex;flex-direction:column-reverse;gap:8px;padding:8px 32px}.stat-item+.stat-item{border-left:1px solid rgba(255,255,255,.15)}.stat-item:first-child{padding-left:0}.stat-number{font-family:var(--font-heading);font-size:3rem;font-weight:800;letter-spacing:-.02em;line-height:1;color:var(--white)}.stat-label{font-size:.8rem;font-weight:600;color:#ffffffa6;text-transform:uppercase;letter-spacing:.14em}.insurance-details{padding:var(--section-padding) 0;background-color:var(--white)}.details-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:0 64px}.detail-card{padding:28px 0 36px;border-top:1px solid var(--gray-300)}.detail-card h4{margin-bottom:10px}.detail-card p{color:var(--gray-600);margin-bottom:0;line-height:1.7}.process-grid{grid-template-columns:repeat(3,1fr);gap:0 48px}.step-number{display:block;margin-bottom:12px;font-family:var(--font-heading);font-size:2.5rem;font-weight:500;line-height:1;color:var(--gray-300)}.faq-section{padding:var(--section-padding) 0;background-color:var(--off-white)}.faq-grid{display:grid;grid-template-columns:1fr 1.4fr;gap:80px;align-items:start}.faq-item{border-top:1px solid var(--gray-300)}.faq-item:last-child{border-bottom:1px solid var(--gray-300)}.faq-item summary{display:flex;justify-content:space-between;align-items:center;gap:24px;padding:22px 0;font-family:var(--font-heading);font-size:1.1rem;font-weight:700;color:var(--primary);cursor:pointer;list-style:none}.faq-item summary::-webkit-details-marker{display:none}.faq-item summary:after{content:"+";flex-shrink:0;font-size:1.5rem;font-weight:400;line-height:1;color:var(--accent);transition:transform .2s var(--ease-out)}.faq-item[open] summary:after{transform:rotate(45deg)}.faq-item p{padding:0 40px 24px 0;margin:0;color:var(--gray-600);line-height:1.7}.benefits-section{padding:var(--section-padding) 0;background-color:var(--off-white)}.benefits-grid{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:center}.benefits-content .section-title{margin-bottom:24px}.benefits-text{color:var(--gray-600);font-size:1.1rem;line-height:1.8;margin-bottom:24px}.benefit-item{padding:20px 0;border-top:1px solid var(--gray-200)}.benefit-item h4{font-size:1.1rem;margin-bottom:6px}.benefit-item p{color:var(--gray-600);margin-bottom:0;line-height:1.6}.personal-section{padding:var(--section-padding) 0;background-color:var(--white)}.personal-grid{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid var(--gray-200);border-left:1px solid var(--gray-200)}.personal-card{padding:36px 32px;border-right:1px solid var(--gray-200);border-bottom:1px solid var(--gray-200);transition:var(--transition)}@media(hover:hover)and (pointer:fine){.personal-card:hover{background-color:var(--off-white)}}.personal-icon{width:30px;height:30px;margin-bottom:20px;color:var(--primary)}.personal-card h4{font-size:1.1rem;margin-bottom:8px}.personal-card p{color:var(--gray-600);margin-bottom:0;line-height:1.6;font-size:.95rem}.testimonials{padding:var(--section-padding) 0;background-color:var(--off-white)}.testimonials-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.testimonial-card{display:flex;flex-direction:column;justify-content:space-between;gap:28px;margin:0;background-color:var(--white);border:1px solid var(--gray-200);border-radius:var(--radius-lg);padding:36px}.testimonial-content{margin:0}.testimonial-content:before{content:"“";display:block;font-family:Georgia,serif;font-size:4rem;line-height:.8;height:32px;color:var(--accent)}.testimonial-content p{color:var(--gray-800);font-size:1.05rem;line-height:1.7;margin-bottom:0}.testimonial-author{display:flex;flex-direction:column;padding-top:20px;border-top:1px solid var(--gray-200)}.author-name{font-weight:700;color:var(--primary)}.author-title{font-size:.88rem;color:var(--gray-500)}.quote-section{padding:var(--section-padding) 0;background-color:var(--primary)}.quote-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:80px;align-items:center}.quote-intro .section-title{color:var(--white);margin-bottom:20px}.quote-intro p{color:#ffffffc7;font-size:1.1rem;line-height:1.8;max-width:30rem}.quote-phones{list-style:none;margin-top:32px;max-width:30rem}.quote-phones li{display:flex;justify-content:space-between;gap:16px;padding:14px 0;border-top:1px solid rgba(255,255,255,.15);color:#ffffffa6}.quote-phones a{color:var(--white);font-weight:700}.quote-phones a:hover{color:var(--white);text-decoration:underline}.cta-section{padding:88px 0;background-color:var(--primary-light)}.cta-content{max-width:720px}.cta-content h2{color:var(--white);margin-bottom:16px}.cta-content p{color:#fffc;font-size:1.15rem;line-height:1.8;margin-bottom:32px}.cta-buttons{display:flex;gap:12px;flex-wrap:wrap}.footer{background-color:var(--primary);padding:80px 0 40px;color:#ffffffa6;position:relative}.footer:before{content:"";position:absolute;top:0;left:0;right:0;height:6px;background:linear-gradient(180deg,var(--accent) 0 50%,var(--off-white) 50% 100%)}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:60px;margin-bottom:60px}.footer-logo{display:flex;align-items:center;gap:12px;margin-bottom:20px}.footer-logo-icon{height:52px;width:auto}.footer-brand .logo-name{color:var(--white)}.footer-brand .logo-sub{color:#ffffff8c}.footer-brand p{line-height:1.7;margin-bottom:24px;max-width:22rem}.social-links{display:flex;gap:12px}.social-links a{width:40px;height:40px;display:flex;align-items:center;justify-content:center;border:1px solid rgba(255,255,255,.2);border-radius:var(--radius);color:#ffffffbf;transition:var(--transition)}.social-links a:hover{background-color:var(--white);border-color:var(--white);color:var(--primary)}.footer-links h4{color:var(--white);font-size:.8rem;font-family:var(--font-body);font-weight:700;text-transform:uppercase;letter-spacing:.14em;margin-bottom:24px}.footer-links ul{list-style:none}.footer-links li{margin-bottom:12px}.footer-links a{color:#ffffffb3;font-size:.95rem}.footer-links a:hover{color:var(--white)}.footer-bottom{padding-top:40px;border-top:1px solid rgba(255,255,255,.12);display:flex;flex-direction:column;gap:16px;font-size:.85rem;line-height:1.6;opacity:.8}.footer-bottom-link{color:var(--white);text-decoration:underline}.footer-disclaimer{font-size:.8rem;opacity:.7;line-height:1.5}@media(max-width:1024px){h1{font-size:2.75rem}h2{font-size:2.1rem}.hero-title{font-size:3rem}.hero-text{padding-right:40px}.hero-form-card{padding:32px}.service-card{padding-right:24px}.service-card+.service-card{padding-left:24px}.personal-grid{grid-template-columns:repeat(2,1fr)}.testimonials-grid{grid-template-columns:1fr;max-width:720px}.stats-grid{grid-template-columns:repeat(2,1fr);row-gap:32px}.stat-item:nth-child(3){padding-left:0;border-left:none}.quote-grid,.why-us-grid,.benefits-grid{gap:48px}.footer-grid{grid-template-columns:repeat(2,1fr);gap:40px}}@media(max-width:1100px){.main-nav{position:fixed;top:80px;right:0;bottom:0;width:min(320px,85vw);display:block;background-color:var(--white);box-shadow:var(--shadow-md);padding:24px;transform:translate(100%);visibility:hidden;transition:transform .3s var(--ease-drawer),visibility .3s;overflow-y:auto}.main-nav.active{transform:translate(0);visibility:visible}.nav-backdrop{display:block;position:fixed;inset:80px 0 0;background-color:#011c3a73;opacity:0;visibility:hidden;transition:opacity .3s,visibility .3s}.nav-backdrop.active{opacity:1;visibility:visible}.nav-menu{flex-direction:column;align-items:stretch;gap:0}.nav-link{padding:16px 0;font-size:1.1rem;border-bottom:1px solid var(--gray-200)}.dropdown-menu{position:static;opacity:1;visibility:visible;transform:none;box-shadow:none;border:none;padding:0 0 0 20px;display:none}.nav-item.active .dropdown-menu{display:block}.header-actions .btn{display:none}.mobile-menu-toggle{display:block}.mobile-menu-toggle.active .hamburger{background-color:transparent}.mobile-menu-toggle.active .hamburger:before{top:0;transform:rotate(45deg)}.mobile-menu-toggle.active .hamburger:after{top:0;transform:rotate(-45deg)}}@media(max-width:768px){:root{--section-padding: 64px}h1{font-size:2.25rem}h2{font-size:1.85rem}h3{font-size:1.4rem}.header-container{height:70px}.main-nav,.nav-backdrop{top:70px}.logo-img{height:42px}.hero{grid-template-columns:1fr;min-height:auto;padding-top:70px}.hero-text{padding:48px 24px 56px}.hero-title{font-size:2.6rem}.hero-subtitle{font-size:1.05rem}.hero-media{order:-1;height:300px}.hero-form-card{padding:28px}.services-grid,.details-grid,.process-grid,.personal-grid,.faq-grid{grid-template-columns:1fr}.faq-grid{gap:24px}.service-card,.service-card+.service-card{padding:32px 0;border-left:none}.service-card+.service-card{border-top:1px solid var(--gray-200)}.why-us-grid,.benefits-grid,.quote-grid{grid-template-columns:1fr;gap:40px}.benefits-image{order:-1}.stats-grid{grid-template-columns:repeat(2,1fr)}.stat-item{padding:4px 16px}.stat-item:nth-child(odd){padding-left:0;border-left:none}.stat-number{font-size:2.25rem}.footer-grid{grid-template-columns:1fr;gap:40px}.footer-bottom{gap:8px}.cta-buttons{flex-direction:column;align-items:flex-start}}@media(max-width:480px){.container{padding:0 16px}.hero-text{padding-left:16px;padding-right:16px}.hero-title{font-size:2.2rem}.hero-form-card{padding:20px}.btn{padding:12px 22px;font-size:.92rem}.btn-lg{padding:14px 26px}.personal-card,.testimonial-card{padding:24px}}.page-hero{padding:168px 0 88px;background-color:var(--primary);border-bottom:6px solid var(--accent)}.page-hero-sm{padding:140px 0 60px}.page-hero-content{max-width:var(--container-max);margin:0 auto;padding:0 24px}.page-hero h1{color:var(--white);margin-bottom:16px;max-width:760px}.page-hero p{max-width:640px;color:#ffffffc7;font-size:1.15rem;line-height:1.8;margin-bottom:0}.page-hero .section-tag{color:#ffffffd9}.legal-section{padding:72px 0 var(--section-padding)}.legal-content{max-width:760px;color:var(--gray-700);line-height:1.75}.legal-content h2{font-size:1.6rem;color:var(--primary);margin:48px 0 16px}.legal-content h3{font-size:1.15rem;color:var(--primary);margin:32px 0 12px}.legal-content p,.legal-content address{margin-bottom:16px;font-style:normal}.legal-content ul{margin:0 0 16px 24px}.legal-content li{margin-bottom:8px}.legal-content a{color:var(--primary-lighter);text-decoration:underline}.about-content{padding:var(--section-padding) 0}.about-grid{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:center}.about-text h2{margin-bottom:24px}.about-text p{color:var(--gray-600);font-size:1.05rem;line-height:1.8;margin-bottom:20px}.values-section{padding:var(--section-padding) 0;background-color:var(--off-white)}.values-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:32px}.value-card{text-align:center;padding:32px 24px}.value-icon{width:64px;height:64px;margin:0 auto 20px;display:flex;align-items:center;justify-content:center;background-color:var(--primary-pale);border-radius:16px;color:var(--primary)}.value-icon svg{width:32px;height:32px}.value-card h3{font-size:1.25rem;margin-bottom:12px}.value-card p{color:var(--gray-600);font-size:.95rem;line-height:1.7;margin-bottom:0}.leadership-section{padding:var(--section-padding) 0}.team-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:48px 32px}@media(min-width:1025px){.team-grid-4{grid-template-columns:repeat(4,1fr)}}.leadership-section+.leadership-section{padding-top:0}.team-card{text-align:center}.team-photo{margin-bottom:20px}.team-headshot{display:block;width:120px;height:120px;margin:0 auto;border-radius:50%;object-fit:cover}.photo-placeholder{width:120px;height:120px;margin:0 auto;background-color:var(--primary);border-radius:50%;display:flex;align-items:center;justify-content:center;color:var(--white);font-size:2rem;font-weight:600}.team-card h3{font-size:1.15rem;margin-bottom:4px}.team-role{display:block;color:var(--accent);font-size:.9rem;font-weight:500;margin-bottom:12px}.team-card p{color:var(--gray-600);font-size:.9rem;line-height:1.6;margin-bottom:0}.team-license{display:block;margin-top:8px;font-size:.8rem;color:var(--gray-500)}.careers-section{padding:var(--section-padding) 0;background-color:var(--off-white)}.careers-grid{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:center}.careers-content h2{margin-bottom:24px}.careers-content>p{color:var(--gray-600);font-size:1.05rem;line-height:1.8;margin-bottom:24px}.careers-benefits{list-style:none;margin-bottom:32px}.careers-benefits li{display:flex;align-items:center;gap:12px;padding:10px 0;color:var(--gray-700)}.service-overview{padding:var(--section-padding) 0}.overview-grid{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:center}.overview-content h2{margin-bottom:24px}.overview-content p{color:var(--gray-600);font-size:1.05rem;line-height:1.8;margin-bottom:20px}.insurance-types{padding:var(--section-padding) 0;background-color:var(--off-white)}.insurance-type{padding:60px 0;border-bottom:1px solid var(--gray-200)}.insurance-type:last-of-type{border-bottom:none}.insurance-type.alt{background-color:var(--white);box-shadow:0 0 0 100vmax var(--white);clip-path:inset(0 -100vmax)}.type-grid{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center}.type-grid.reverse .type-icon-block{order:-1}.type-content h3{font-size:1.75rem;margin-bottom:16px;color:var(--primary-dark)}.type-content>p{color:var(--gray-600);font-size:1.05rem;line-height:1.8;margin-bottom:24px}.type-content h4{color:var(--gray-800);margin-bottom:16px}.coverage-list{list-style:none;margin-bottom:24px;display:grid;grid-template-columns:1fr 1fr;gap:8px}.coverage-list li{padding:8px 0 8px 24px;position:relative;color:var(--gray-700)}.coverage-list li:before{content:"✓";position:absolute;left:0;color:var(--accent);font-weight:700}.type-icon-block{display:flex;align-items:center;justify-content:center}.large-icon{width:200px;height:200px;background-color:var(--primary-pale);border-radius:50%;display:flex;align-items:center;justify-content:center;color:var(--primary)}.large-icon svg{width:80px;height:80px}.risk-management{padding:var(--section-padding) 0}.risk-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}.risk-card{background-color:var(--off-white);border-radius:12px;padding:32px;border-top:3px solid var(--primary)}.risk-card h4{color:var(--gray-900);margin-bottom:12px}.risk-card p{color:var(--gray-600);font-size:.95rem;line-height:1.7;margin-bottom:0}.industries-section{padding:var(--section-padding) 0;background-color:var(--off-white)}.industries-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:0 32px}.industry-item{border-top:1px solid var(--gray-300);padding:14px 0;font-weight:500;color:var(--gray-700)}.contact-section{padding:var(--section-padding) 0}.contact-grid{display:grid;grid-template-columns:1.5fr 1fr;gap:80px}.contact-form-wrapper h2{margin-bottom:12px}.contact-form-wrapper>p{color:var(--gray-600);margin-bottom:32px}.contact-form{display:flex;flex-direction:column;gap:20px}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:20px}.form-group{display:flex;flex-direction:column;gap:8px}.form-group label{font-size:.9rem;font-weight:500;color:var(--gray-700)}.form-group input,.form-group select,.form-group textarea{padding:14px 16px;border:1px solid var(--gray-300);border-radius:8px;font-family:var(--font-body);font-size:1rem;color:var(--gray-800);transition:var(--transition);background-color:var(--white)}.form-group input:focus,.form-group select:focus,.form-group textarea:focus{outline:none;border-color:var(--primary);box-shadow:0 0 0 3px var(--primary-pale)}.form-group textarea{resize:vertical;min-height:120px}.checkbox-group{flex-direction:row;align-items:center}.checkbox-label{display:flex;align-items:center;gap:12px;cursor:pointer;font-size:.95rem;color:var(--gray-600)}.checkbox-label input[type=checkbox]{width:20px;height:20px;accent-color:var(--accent)}.contact-info{display:flex;flex-direction:column;gap:24px}.info-card{background-color:var(--off-white);border-radius:12px;padding:32px}.info-card h3{font-size:1.25rem;margin-bottom:24px;padding-bottom:16px;border-bottom:1px solid var(--gray-200)}.info-item{display:flex;gap:16px;margin-bottom:24px}.info-item:last-child{margin-bottom:0}.info-icon{width:48px;height:48px;flex-shrink:0;background-color:var(--primary-pale);border-radius:12px;display:flex;align-items:center;justify-content:center;color:var(--primary)}.info-icon svg{width:24px;height:24px}.info-content h4{font-size:1rem;margin-bottom:4px}.info-content p{color:var(--gray-600);font-size:.95rem;line-height:1.6;margin-bottom:0}.info-content a{color:var(--accent)}.quick-links{list-style:none}.quick-links li{margin-bottom:12px}.quick-links a{color:var(--gray-700);font-size:.95rem;display:flex;align-items:center;gap:8px}.quick-links a:hover{color:var(--accent)}.quick-links a:before{content:"→";color:var(--accent)}.social-card .social-links-large{display:flex;gap:12px}.social-links-large a{width:48px;height:48px;display:flex;align-items:center;justify-content:center;background-color:var(--white);border:1px solid var(--gray-200);border-radius:12px;color:var(--gray-600);transition:var(--transition)}.social-links-large a:hover{background-color:var(--accent);border-color:var(--accent);color:var(--white)}.map-placeholder{padding:88px 0;background-color:var(--primary)}.map-content{max-width:400px;color:var(--white)}.map-content h3{color:var(--white);margin-bottom:12px}.map-content p{color:#ffffffe6;margin-bottom:20px}@media(max-width:1024px){.values-grid,.team-grid,.risk-grid{grid-template-columns:repeat(2,1fr)}.industries-grid{grid-template-columns:repeat(3,1fr)}.type-grid{gap:40px}.coverage-list{grid-template-columns:1fr}}@media(max-width:768px){.page-hero{padding:120px 0 60px}.about-grid,.overview-grid,.careers-grid,.type-grid,.type-grid.reverse,.contact-grid{grid-template-columns:1fr;gap:40px}.type-icon-block{order:-1}.large-icon{width:150px;height:150px}.large-icon svg{width:60px;height:60px}.values-grid,.team-grid,.risk-grid{grid-template-columns:1fr}.industries-grid{grid-template-columns:repeat(2,1fr)}.form-row{grid-template-columns:1fr}.map-placeholder{padding:64px 0}.map-content{text-align:center;max-width:100%}.locations-grid{grid-template-columns:1fr}}.fade-in{opacity:0;transform:translateY(12px);transition:opacity .5s var(--ease-out),transform .5s var(--ease-out)}@media(prefers-reduced-motion:reduce){.fade-in{transform:none;transition:opacity .3s ease}}.fade-in-visible{opacity:1;transform:translateY(0)}body.menu-open{overflow:hidden}.form-group input.error,.form-group select.error,.form-group textarea.error{border-color:#dc3545}.field-error{color:#dc3545;font-size:.85rem;margin-top:4px}.form-message{padding:16px;border-radius:8px;margin-bottom:24px;font-weight:500}.form-message-success{background-color:#d4edda;color:#155724;border:1px solid #c3e6cb}.form-message-error{background-color:#f8d7da;color:#721c24;border:1px solid #f5c6cb}:focus-visible{outline:3px solid var(--primary-lighter);outline-offset:2px}.form-group input:focus-visible,.form-group select:focus-visible,.form-group textarea:focus-visible{outline:none;border-color:var(--primary);box-shadow:0 0 0 3px var(--primary-pale)}.skip-to-content{position:absolute;top:-100px;left:50%;transform:translate(-50%);background-color:var(--accent);color:var(--white);padding:12px 24px;border-radius:0 0 8px 8px;font-weight:600;font-size:.9rem;z-index:10000;transition:top .2s ease}.skip-to-content:focus{top:0;color:var(--white)}.locations-section{padding:var(--section-padding) 0}.locations-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:32px}.location-card{background-color:var(--off-white);border-radius:12px;padding:40px 32px;border-top:3px solid var(--primary)}.location-card h3{font-size:1.25rem;margin-bottom:4px}.location-card .location-city{color:var(--accent);font-weight:500;margin-bottom:20px;display:block}.location-card .location-detail{display:flex;align-items:flex-start;gap:12px;margin-bottom:16px;color:var(--gray-600);font-size:.95rem;line-height:1.6}.location-card .location-detail:last-child{margin-bottom:0}.location-card .location-detail svg{width:20px;height:20px;flex-shrink:0;color:var(--accent);margin-top:2px}@media(max-width:1024px){.locations-grid{grid-template-columns:repeat(2,1fr)}}