:root{
  --navy:#0b1f3a;
  --navy-2:#15365f;
  --blue:#1e5fa8;
  --red:#c92b38;
  --red-dark:#a91f2b;
  --ink:#172235;
  --muted:#5b6677;
  --line:#dfe5ec;
  --soft:#f5f8fb;
  --white:#fff;
  --success:#147a4b;
  --shadow:0 16px 42px rgba(11,31,58,.12);
  --radius:20px;
  --radius-sm:12px;
  --max:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:#fff;line-height:1.55}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
button,input,select,textarea{font:inherit}
.container{width:min(calc(100% - 32px),var(--max));margin-inline:auto}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:.82rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--blue)}
.eyebrow:before{content:"";width:28px;height:3px;border-radius:9px;background:var(--red)}
h1,h2,h3{line-height:1.08;margin:0 0 16px;color:var(--navy);letter-spacing:-.03em}
h1{font-size:clamp(2.25rem,7.6vw,4.7rem)}
h2{font-size:clamp(1.8rem,5vw,3.1rem)}
h3{font-size:1.18rem}
p{margin:0 0 18px}
.lead{font-size:clamp(1.05rem,2.5vw,1.28rem);color:var(--muted);max-width:650px}
.section{padding:72px 0}
.section-soft{background:var(--soft)}
.section-dark{background:var(--navy);color:#fff}
.section-dark h2,.section-dark h3{color:#fff}
.section-heading{max-width:760px;margin-bottom:34px}
.muted{color:var(--muted)}
.header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(10px);border-bottom:1px solid rgba(223,229,236,.8)}
.nav{height:76px;display:flex;align-items:center;justify-content:space-between;gap:16px}
.brand{display:flex;align-items:center;gap:11px;font-weight:900;color:var(--navy);min-width:0}
.brand img{width:48px;height:48px;object-fit:contain}
.brand-copy{display:flex;flex-direction:column;line-height:1.05}
.brand-copy small{font-size:.7rem;color:var(--muted);font-weight:700;margin-top:4px}
.nav-links{display:none;gap:28px;align-items:center;font-weight:700;font-size:.95rem}
.nav-actions{display:flex;align-items:center;gap:9px}
.phone-link{display:none;font-weight:800;color:var(--navy)}
.btn{display:inline-flex;justify-content:center;align-items:center;gap:8px;border:0;border-radius:999px;padding:13px 20px;font-weight:850;cursor:pointer;transition:.2s ease;min-height:48px}
.btn:hover{transform:translateY(-1px)}
.btn-primary{background:var(--red);color:#fff;box-shadow:0 10px 24px rgba(201,43,56,.24)}
.btn-primary:hover{background:var(--red-dark)}
.btn-secondary{background:#fff;color:var(--navy);border:1px solid var(--line)}
.btn-dark{background:var(--navy);color:#fff}
.menu-toggle{width:46px;height:46px;border-radius:50%;border:1px solid var(--line);background:#fff;font-size:1.25rem}
.mobile-menu{display:none;padding:0 16px 18px}
.mobile-menu.open{display:grid;gap:6px}
.mobile-menu a{padding:12px 8px;font-weight:750;border-bottom:1px solid var(--line)}
.hero{padding:38px 0 58px;background:linear-gradient(155deg,#fff 0%,#f6f9fc 62%,#eef4fa 100%);overflow:hidden}
.hero-grid{display:grid;gap:28px}
.hero-copy{order:2}
.hero-visual{order:1;position:relative}
.hero-card{border-radius:24px;background:linear-gradient(145deg,#0d2647,#1e5fa8);padding:26px;min-height:280px;box-shadow:var(--shadow);position:relative;overflow:hidden}
.hero-card:before,.hero-card:after{content:"";position:absolute;border-radius:50%;background:rgba(255,255,255,.08)}
.hero-card:before{width:230px;height:230px;right:-80px;top:-70px}
.hero-card:after{width:140px;height:140px;left:-60px;bottom:-50px}
.hero-art{position:relative;z-index:1;width:100%;height:100%;min-height:228px}
.hero-badges{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:22px}
.mini-badge{display:flex;gap:9px;align-items:center;background:#fff;border:1px solid var(--line);padding:11px;border-radius:12px;font-size:.82rem;font-weight:750;color:var(--navy)}
.check{width:22px;height:22px;display:inline-flex;align-items:center;justify-content:center;border-radius:50%;background:#e8f6ef;color:var(--success);font-weight:900;flex:0 0 auto}
.hero-actions{display:flex;flex-direction:column;gap:10px;margin-top:26px}
.hero-note{font-size:.82rem;color:var(--muted);margin-top:11px}
.stats{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin-top:26px}
.stat{border-left:3px solid var(--red);padding-left:12px}
.stat strong{display:block;color:var(--navy);font-size:1.08rem}
.stat span{font-size:.8rem;color:var(--muted)}
.logo-strip{padding:18px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:#fff}
.logo-strip-inner{display:flex;gap:22px;align-items:center;justify-content:center;flex-wrap:wrap;color:var(--muted);font-weight:750;font-size:.88rem;text-align:center}
.grid{display:grid;gap:16px}
.cards-3,.cards-4{grid-template-columns:1fr}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;transition:.2s ease}
.card:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.icon{width:48px;height:48px;border-radius:14px;background:#edf4fb;display:grid;place-items:center;color:var(--blue);font-size:1.45rem;margin-bottom:18px}
.card p{color:var(--muted);font-size:.95rem}
.card-link{display:inline-flex;gap:7px;align-items:center;color:var(--blue);font-weight:800;margin-top:6px}
.coverage-card{position:relative;padding-top:62px}
.coverage-card .icon{position:absolute;top:20px;left:24px}
.trade-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}
.trade-tile{min-height:118px;border:1px solid var(--line);border-radius:16px;padding:17px;display:flex;flex-direction:column;justify-content:flex-end;background:linear-gradient(145deg,#fff,#f3f7fb)}
.trade-tile strong{color:var(--navy)}
.trade-tile span{font-size:.78rem;color:var(--muted)}
.steps{counter-reset:step}
.step{position:relative;padding:4px 0 22px 56px}
.step:before{counter-increment:step;content:counter(step);position:absolute;left:0;top:0;width:38px;height:38px;border-radius:50%;background:var(--red);color:#fff;display:grid;place-items:center;font-weight:900}
.step:not(:last-child):after{content:"";position:absolute;left:18px;top:42px;width:2px;height:calc(100% - 38px);background:var(--line)}
.quote-wrap{display:grid;gap:28px;align-items:start}
.quote-copy ul{padding:0;list-style:none;margin:26px 0 0}
.quote-copy li{display:flex;gap:10px;margin:12px 0}
.form-card{background:#fff;border-radius:24px;padding:22px;box-shadow:var(--shadow);color:var(--ink)}
.form-grid{display:grid;gap:14px}
.field label{display:block;font-size:.82rem;font-weight:800;color:var(--navy);margin-bottom:6px}
.field input,.field select,.field textarea{width:100%;border:1px solid #cfd8e3;border-radius:11px;padding:13px 14px;background:#fff;color:var(--ink);min-height:48px}
.field textarea{min-height:100px;resize:vertical}
.field input:focus,.field select:focus,.field textarea:focus{outline:3px solid rgba(30,95,168,.14);border-color:var(--blue)}
.form-card .btn{width:100%;margin-top:4px}
.form-note{font-size:.75rem;color:var(--muted);margin-top:12px;text-align:center}
.two-col{display:grid;gap:34px}
.faq details{border-bottom:1px solid var(--line);padding:18px 0}
.faq summary{cursor:pointer;font-weight:850;color:var(--navy);list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq p{margin-top:12px;color:var(--muted)}
.page-hero{padding:54px 0;background:linear-gradient(150deg,#f4f8fc,#fff)}
.breadcrumb{font-size:.84rem;color:var(--muted);margin-bottom:18px}
.page-grid{display:grid;gap:34px;align-items:center}
.check-list{list-style:none;padding:0;margin:22px 0}
.check-list li{display:flex;gap:10px;margin:11px 0;color:var(--ink)}
.cta-band{background:linear-gradient(135deg,var(--navy),var(--navy-2));border-radius:24px;padding:28px;color:#fff;display:grid;gap:20px;align-items:center}
.cta-band h2{color:#fff;margin:0}
.footer{background:#07172b;color:#d6e0eb;padding:50px 0 90px}
.footer-grid{display:grid;gap:28px}
.footer h3{color:#fff;font-size:1rem}
.footer a{color:#d6e0eb;display:block;margin:8px 0;font-size:.9rem}
.footer .brand{color:#fff}
.footer small{color:#9fb0c2}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:32px;padding-top:20px;font-size:.76rem;color:#9fb0c2}
.mobile-dock{position:fixed;bottom:0;left:0;right:0;z-index:60;background:#fff;border-top:1px solid var(--line);padding:8px 12px calc(8px + env(safe-area-inset-bottom));display:grid;grid-template-columns:1fr 1.3fr;gap:8px;box-shadow:0 -8px 26px rgba(11,31,58,.1)}
.mobile-dock .btn{min-height:46px;padding:10px 12px}
.notice{background:#eef7f2;border-left:4px solid var(--success);padding:14px;border-radius:10px;color:#24553f}
@media(min-width:640px){
  .hero-actions{flex-direction:row}
  .stats{grid-template-columns:repeat(4,1fr)}
  .cards-3{grid-template-columns:repeat(2,1fr)}
  .cards-4{grid-template-columns:repeat(2,1fr)}
  .trade-grid{grid-template-columns:repeat(3,1fr)}
  .form-grid.two{grid-template-columns:1fr 1fr}
}
@media(min-width:900px){
  .container{width:min(calc(100% - 48px),var(--max))}
  .nav-links{display:flex}
  .phone-link{display:inline}
  .menu-toggle{display:none}
  .mobile-menu{display:none!important}
  .hero{padding:72px 0 78px}
  .hero-grid{grid-template-columns:minmax(0,1.3fr) minmax(360px,.7fr);align-items:center;gap:55px}
  .hero-copy{order:1}
  .hero-visual{order:2}
  .hero-card{min-height:470px;padding:34px}
  .hero-art{min-height:400px}
  .cards-3{grid-template-columns:repeat(3,1fr)}
  .cards-4{grid-template-columns:repeat(4,1fr)}
  .trade-grid{grid-template-columns:repeat(5,1fr)}
  .quote-wrap{grid-template-columns:1fr .9fr;gap:68px}
  .two-col{grid-template-columns:1fr 1fr}
  .page-grid{grid-template-columns:1.1fr .9fr}
  .cta-band{grid-template-columns:1fr auto;padding:38px 42px}
  .footer-grid{grid-template-columns:1.6fr repeat(3,1fr)}
  .mobile-dock{display:none}
  .footer{padding-bottom:50px}
}

/* Final Expense division */
.fe-hero{padding:58px 0;background:linear-gradient(155deg,#fff 0%,#f7f3f4 48%,#eef5fb 100%)}
.fe-visual{background:#fff;border:1px solid var(--line);border-radius:28px;padding:16px;box-shadow:var(--shadow)}
.fe-visual.compact{max-width:520px;margin-inline:auto}
.state-card{display:flex;flex-direction:column;gap:5px;background:#fff;border:1px solid var(--line);border-radius:16px;padding:22px;transition:.2s ease}
.state-card:hover{transform:translateY(-2px);box-shadow:var(--shadow)}
.state-card strong{font-size:1.2rem;color:var(--navy)}.state-card span{color:var(--blue);font-weight:750}
.compliance-card{border-top:5px solid var(--blue)}
.consent-box{display:flex;gap:10px;align-items:flex-start;font-size:.76rem;line-height:1.45;color:var(--muted);padding:12px;background:var(--soft);border:1px solid var(--line);border-radius:11px;margin:14px 0}
.consent-box input{width:18px;height:18px;flex:0 0 auto;margin-top:2px}.success-mark{width:78px;height:78px;border-radius:50%;display:grid;place-items:center;background:#e8f6ef;color:var(--success);font-size:2.4rem;font-weight:900;margin:0 auto 24px}.faq-wide{max-width:860px;margin:auto}.nav-links .active{color:var(--red)}