:root{--primary: #224A60;--primary-dark: #1A3A4D;--primary-light: #2D6080;--primary-lighter: #4A8ECD;--primary-pale: #E0EDF7;--accent: #4C9565;--accent-light: #5DAA78;--brand-coral: #E8677D;--brand-orange: #F39C46;--brand-gold: #F6C042;--coral-pale: #FDF0F2;--orange-pale: #FEF5EB;--gold-pale: #FEF9EB;--green-pale: #EFF7F2;--coral-light: #F4A3B1;--gold-light: #F8D36E;--white: #FFFFFF;--off-white: #F8F9FA;--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: "Playfair Display", Georgia, serif;--font-body: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;--section-padding: 100px;--container-max: 1200px;--transition: all .3s ease;--transition-slow: all .5s ease;--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:1.2;color:var(--gray-900)}h1{font-size:3.5rem}h2{font-size:2.75rem}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:14px 32px;font-family:var(--font-body);font-size:.95rem;font-weight:600;letter-spacing:.5px;border:2px solid transparent;border-radius:10px;cursor:pointer;transition:var(--transition)}.btn-primary{background-color:var(--accent);color:var(--white);border-color:var(--accent)}.btn-primary:hover{background-color:var(--accent-light);border-color:var(--accent-light);color:var(--white)}.btn-outline{background-color:transparent;color:var(--accent);border-color:var(--accent)}.btn-outline:hover{background-color:var(--accent);color:var(--white)}.btn-white{background-color:var(--white);color:var(--primary);border-color:var(--white)}.btn-white:hover{background-color:var(--primary-pale);border-color:var(--primary-pale)}.btn-outline-white{background-color:transparent;color:var(--white);border-color:var(--white)}.btn-outline-white:hover{background-color:var(--white);color:var(--primary)}.btn-lg{padding:18px 40px;font-size:1rem;border-radius:12px}.header{position:fixed;top:0;left:0;right:0;z-index:1000;background-color:var(--white);box-shadow:var(--shadow-sm);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}.logo-text{font-family:var(--font-heading);font-size:1.75rem;font-weight:700;color:var(--gray-900)}.logo-accent{color:var(--primary)}.logo-img{height:55px;width:auto}.main-nav{display:flex;align-items:center}.nav-menu{display:flex;align-items:center;list-style:none;gap:8px}.nav-item{position:relative}.nav-link{display:flex;align-items:center;gap:4px;padding:12px 16px;font-size:.9rem;font-weight:500;color:var(--gray-700);transition:var(--transition)}.nav-link:hover{color:var(--accent)}.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-radius:8px;box-shadow:var(--shadow-lg);padding:12px 0;opacity:0;visibility:hidden;transform:translateY(10px);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:.9rem;color:var(--gray-700)}.dropdown-menu li a:hover{background-color:var(--green-pale);color:var(--accent)}.header-actions{display:flex;align-items:center;gap:16px}.mobile-menu-toggle{display:none;width:40px;height:40px;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:8px;transition:var(--transition)}.hamburger{top:19px}.hamburger:before{content:"";top:-8px}.hamburger:after{content:"";top:8px}.hero{position:relative;min-height:100vh;display:flex;align-items:center;justify-content:center;background:linear-gradient(135deg,#FAFBFC 0%,var(--green-pale) 30%,var(--gold-pale) 60%,var(--coral-pale) 100%);overflow:hidden}.hero-overlay{position:absolute;inset:0;background:url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 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label{color:var(--gray-700)}.hero-form-card .contact-form{gap:16px}.hero-scroll{position:absolute;bottom:10px;left:50%;transform:translate(-50%);display:flex;flex-direction:column;align-items:center;gap:8px;color:var(--gray-400);font-size:.85rem}.scroll-arrow{width:24px;height:24px;border-right:2px solid var(--gray-400);border-bottom:2px solid var(--gray-400);transform:rotate(45deg);animation:scrollBounce 2s infinite}@keyframes scrollBounce{0%,20%,50%,80%,to{transform:translateY(0) rotate(45deg)}40%{transform:translateY(8px) rotate(45deg)}60%{transform:translateY(4px) rotate(45deg)}}.section-header{text-align:center;max-width:700px;margin:0 auto 60px}.section-tag{display:inline-block;padding:8px 16px;background-color:var(--green-pale);color:var(--accent);font-size:.85rem;font-weight:600;text-transform:uppercase;letter-spacing:1px;border-radius:20px;margin-bottom:16px}.why-us .section-tag{background-color:var(--orange-pale);color:var(--brand-orange)}.benefits-section .section-tag{background-color:var(--coral-pale);color:var(--brand-coral)}.personal-section .section-tag{background-color:var(--gold-pale);color:var(--brand-gold)}.section-title{margin-bottom:16px}.section-description{font-size:1.1rem;color:var(--gray-600);line-height:1.8}.section-cta{text-align:center;margin-top:48px}.services-overview{padding:var(--section-padding) 0;background-color:var(--white)}.services-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:32px}.service-card{background-color:var(--white);border:1px solid var(--gray-200);border-radius:20px;padding:40px 32px;text-align:center;transition:var(--transition);border-top:3px solid transparent}.service-card:nth-child(1){border-top-color:var(--accent)}.service-card:nth-child(2){border-top-color:var(--brand-coral)}.service-card:nth-child(3){border-top-color:var(--brand-gold)}.service-card:hover{box-shadow:var(--shadow-lg);transform:translateY(-4px)}.service-card:nth-child(1):hover{border-top-color:var(--accent)}.service-card:nth-child(2):hover{border-top-color:var(--brand-coral)}.service-card:nth-child(3):hover{border-top-color:var(--brand-gold)}.service-icon{width:72px;height:72px;margin:0 auto 24px;display:flex;align-items:center;justify-content:center;background-color:var(--green-pale);border-radius:16px;color:var(--accent)}.service-card:nth-child(1) .service-icon{background-color:var(--green-pale);color:var(--accent)}.service-card:nth-child(2) .service-icon{background-color:var(--coral-pale);color:var(--brand-coral)}.service-card:nth-child(3) .service-icon{background-color:var(--gold-pale);color:var(--brand-gold)}.service-icon svg{width:36px;height:36px}.service-title{margin-bottom:16px;color:var(--gray-900)}.service-description{color:var(--gray-600);margin-bottom:24px;line-height:1.7}.service-link{display:inline-flex;align-items:center;gap:8px;font-weight:600;color:var(--accent)}.service-card:nth-child(1) .service-link{color:var(--accent)}.service-card:nth-child(2) .service-link{color:var(--brand-coral)}.service-card:nth-child(3) .service-link{color:var(--brand-gold)}.service-link:hover{gap:12px}.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-tag{margin-bottom:16px}.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:32px}.why-us-list{list-style:none;margin-bottom:32px}.why-us-list li{display:flex;align-items:center;gap:12px;padding:12px 0;font-size:1.05rem;color:var(--gray-700)}.check-icon{display:flex;align-items:center;justify-content:center;width:24px;height:24px;background-color:var(--accent);color:var(--white);border-radius:50%;font-size:.85rem;font-weight:700}.why-us-image{position:relative}.image-placeholder{background:linear-gradient(135deg,var(--accent-light) 0%,var(--accent) 100%);border-radius:16px;aspect-ratio:4/3;display:flex;align-items:center;justify-content:center;box-shadow:var(--shadow-xl)}.image-placeholder.alt{background:linear-gradient(135deg,var(--accent) 0%,var(--accent-light) 100%)}.placeholder-content{color:#fffc;font-size:1.1rem;font-weight:500}.stats{padding:80px 0;background-color:var(--off-white);border-top:1px solid var(--gray-200);border-bottom:1px solid var(--gray-200)}.stats-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:40px;text-align:center}.stat-item{padding:20px}.stat-number{display:block;font-family:var(--font-heading);font-size:3.5rem;font-weight:700;color:var(--accent);margin-bottom:8px}.stat-item:nth-child(1) .stat-number{color:var(--accent)}.stat-item:nth-child(2) .stat-number{color:var(--brand-coral)}.stat-item:nth-child(3) .stat-number{color:var(--brand-orange)}.stat-item:nth-child(4) .stat-number{color:var(--brand-gold)}.stat-number:after{content:"";display:block;width:40px;height:3px;margin:8px auto 0;border-radius:2px;background-color:var(--accent)}.stat-item:nth-child(1) .stat-number:after{background-color:var(--accent)}.stat-item:nth-child(2) .stat-number:after{background-color:var(--brand-coral)}.stat-item:nth-child(3) .stat-number:after{background-color:var(--brand-orange)}.stat-item:nth-child(4) .stat-number:after{background-color:var(--brand-gold)}.stat-label{font-size:1rem;color:var(--gray-600);text-transform:uppercase;letter-spacing:1px}.insurance-details{padding:var(--section-padding) 0;background-color:var(--white)}.details-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}.detail-card{background-color:var(--off-white);border-radius:16px;padding:32px;border-left:4px solid var(--accent);transition:var(--transition)}.detail-card:nth-child(1){border-left-color:var(--accent)}.detail-card:nth-child(2){border-left-color:var(--brand-coral)}.detail-card:nth-child(3){border-left-color:var(--brand-orange)}.detail-card:nth-child(4){border-left-color:var(--brand-gold)}.detail-card:hover{box-shadow:var(--shadow-md);transform:translate(4px)}.detail-card h4{color:var(--gray-900);margin-bottom:12px}.detail-card p{color:var(--gray-600);margin-bottom:0;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-tag{margin-bottom:16px}.benefits-content .section-title{margin-bottom:24px}.benefits-text{color:var(--gray-600);font-size:1.1rem;line-height:1.8;margin-bottom:32px}.benefits-list{margin-bottom:32px}.benefit-item{padding:20px 0;border-bottom:1px solid var(--gray-200)}.benefit-item:last-child{border-bottom:none}.benefit-item h4{color:var(--brand-coral);margin-bottom:8px}.benefit-item:nth-child(1) h4{color:var(--brand-coral)}.benefit-item:nth-child(2) h4{color:var(--brand-orange)}.benefit-item:nth-child(3) h4{color:var(--brand-gold)}.benefit-item:nth-child(4) h4{color:var(--accent)}.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);gap:24px}.personal-card{background-color:var(--off-white);border-radius:20px;padding:32px;text-align:center;transition:var(--transition);border:1px solid transparent;border-top:3px solid transparent}.personal-card:nth-child(1){border-top-color:var(--accent)}.personal-card:nth-child(2){border-top-color:var(--primary-lighter)}.personal-card:nth-child(3){border-top-color:var(--brand-orange)}.personal-card:nth-child(4){border-top-color:var(--brand-coral)}.personal-card:nth-child(5){border-top-color:var(--brand-gold)}.personal-card:nth-child(6){border-top-color:var(--primary)}.personal-card:hover{box-shadow:var(--shadow-md);transform:translateY(-4px)}.personal-icon{font-size:2.5rem;margin-bottom:16px}.personal-card h4{color:var(--gray-900);margin-bottom:12px}.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:32px}.testimonial-card{background-color:var(--white);border-radius:20px;padding:32px;box-shadow:var(--shadow-sm);transition:var(--transition);border-top:3px solid transparent}.testimonial-card:nth-child(1){border-top-color:var(--accent)}.testimonial-card:nth-child(2){border-top-color:var(--brand-coral)}.testimonial-card:nth-child(3){border-top-color:var(--brand-gold)}.testimonial-card:hover{box-shadow:var(--shadow-lg)}.testimonial-content{margin-bottom:24px}.testimonial-content p{color:var(--gray-700);font-size:1rem;line-height:1.8;font-style:italic;margin-bottom:0}.testimonial-author{display:flex;align-items:center;gap:16px}.author-avatar{width:48px;height:48px;background-color:var(--accent);color:var(--white);border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:600;font-size:.9rem}.testimonial-card:nth-child(1) .author-avatar{background-color:var(--accent)}.testimonial-card:nth-child(2) .author-avatar{background-color:var(--brand-coral)}.testimonial-card:nth-child(3) .author-avatar{background-color:var(--brand-gold)}.author-info{display:flex;flex-direction:column}.author-name{font-weight:600;color:var(--gray-900)}.author-title{font-size:.85rem;color:var(--gray-500)}.cta-section{padding:var(--section-padding) 0;background:linear-gradient(135deg,var(--accent) 0%,var(--accent-light) 100%);text-align:center}.cta-content{max-width:700px;margin:0 auto}.cta-content h2{color:var(--white);margin-bottom:16px}.cta-content p{color:#ffffffe6;font-size:1.15rem;line-height:1.8;margin-bottom:32px}.cta-buttons{display:flex;gap:16px;justify-content:center;flex-wrap:wrap}.footer{background-color:var(--gray-900);padding:80px 0 40px;color:var(--gray-400);position:relative}.footer:before{content:"";position:absolute;top:0;left:0;right:0;height:4px;background:linear-gradient(90deg,var(--accent) 0%,var(--brand-coral) 25%,var(--brand-orange) 50%,var(--brand-gold) 75%,var(--primary-lighter) 100%)}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:60px;margin-bottom:60px}.footer-logo{display:flex;align-items:center;gap:12px;margin-bottom:16px}.footer-logo-icon{height:40px;width:auto}.footer-brand .logo-text{color:var(--white);font-size:1.5rem;display:block}.footer-brand p{line-height:1.7;margin-bottom:24px}.social-links{display:flex;gap:16px}.social-links a{width:40px;height:40px;display:flex;align-items:center;justify-content:center;background-color:var(--gray-800);border-radius:8px;color:var(--gray-400);transition:var(--transition)}.social-links a:hover{background-color:var(--accent);color:var(--white)}.footer-links h4{color:var(--white);font-size:1rem;font-family:var(--font-body);font-weight:600;margin-bottom:24px}.footer-links ul{list-style:none}.footer-links li{margin-bottom:12px}.footer-links a{color:var(--gray-400);font-size:.95rem}.footer-links a:hover{color:var(--accent-light)}.footer-bottom{padding-top:40px;border-top:1px solid var(--gray-800);display:flex;flex-direction:column;gap:16px;font-size:.85rem;line-height:1.6;opacity:.8}.footer-bottom-link{color:var(--accent);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:2.25rem}.hero-title{font-size:2.75rem}.hero-grid{gap:40px}.hero-form-card{padding:32px}.services-grid,.personal-grid,.testimonials-grid,.stats-grid{grid-template-columns:repeat(2,1fr)}.footer-grid{grid-template-columns:repeat(2,1fr);gap:40px}}@media(max-width:768px){:root{--section-padding: 60px}h1{font-size:2.25rem}h2{font-size:1.875rem}h3{font-size:1.5rem}.header-container{height:70px}.main-nav{position:fixed;inset:70px 0 0;background-color:var(--white);padding:24px;transform:translate(-100%);transition:var(--transition);overflow-y:auto}.main-nav.active{transform:translate(0)}.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;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)}.hero{min-height:auto;padding:100px 0 60px}.hero-grid{grid-template-columns:1fr;gap:40px}.hero-text{text-align:center}.hero-logo{margin-left:auto;margin-right:auto}.hero-title{font-size:2.5rem}.hero-subtitle{font-size:1.1rem}.hero-form-card{padding:28px}.hero-scroll{display:none}.services-grid,.details-grid,.personal-grid,.testimonials-grid{grid-template-columns:1fr}.why-us-grid,.benefits-grid{grid-template-columns:1fr;gap:40px}.benefits-image{order:-1}.stats-grid{grid-template-columns:repeat(2,1fr);gap:24px}.stat-number{font-size:2.5rem}.footer-grid{grid-template-columns:1fr;gap:40px}.footer-bottom{flex-direction:column;gap:8px;text-align:center}.cta-buttons{flex-direction:column;align-items:center}}@media(max-width:480px){.container{padding:0 16px}.hero-title{font-size:2rem}.hero-form-card{padding:20px}.btn{padding:12px 24px;font-size:.9rem}.btn-lg{padding:14px 28px}.service-card,.detail-card,.personal-card,.testimonial-card{padding:24px}.stats-grid{grid-template-columns:1fr}}.page-hero{padding:160px 0 80px;background:linear-gradient(135deg,#FAFBFC 0%,var(--green-pale) 40%,var(--gold-pale) 70%,var(--coral-pale) 100%);text-align:center}.page-hero-sm{padding:140px 0 60px}.page-hero-content{max-width:700px;margin:0 auto;padding:0 24px}.page-hero h1{color:var(--gray-900);margin-bottom:16px}.page-hero p{color:var(--gray-600);font-size:1.15rem;line-height:1.8;margin-bottom:0}.page-hero .section-tag{background-color:var(--green-pale);color:var(--accent)}.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(--green-pale);border-radius:16px;color:var(--accent)}.value-card:nth-child(1) .value-icon{background-color:var(--green-pale);color:var(--accent)}.value-card:nth-child(2) .value-icon{background-color:var(--coral-pale);color:var(--brand-coral)}.value-card:nth-child(3) .value-icon{background-color:var(--orange-pale);color:var(--brand-orange)}.value-card:nth-child(4) .value-icon{background-color:var(--gold-pale);color:var(--brand-gold)}.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(4,1fr);gap:32px}.team-card{text-align:center}.team-photo{margin-bottom:20px}.photo-placeholder{width:120px;height:120px;margin:0 auto;background:linear-gradient(135deg,var(--accent-light) 0%,var(--accent) 100%);border-radius:50%;display:flex;align-items:center;justify-content:center;color:var(--white);font-size:2rem;font-weight:600}.team-card:nth-child(1) .photo-placeholder{background:linear-gradient(135deg,var(--accent-light),var(--accent))}.team-card:nth-child(2) .photo-placeholder{background:linear-gradient(135deg,var(--coral-light),var(--brand-coral))}.team-card:nth-child(3) .photo-placeholder{background:linear-gradient(135deg,var(--brand-orange),#E88A30)}.team-card:nth-child(4) .photo-placeholder{background:linear-gradient(135deg,var(--gold-light),var(--brand-gold))}.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}.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);margin:0 -9999px;padding-left:9999px;padding-right:9999px}.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(--green-pale);border-radius:50%;display:flex;align-items:center;justify-content:center;color:var(--accent)}.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:4px solid var(--accent)}.risk-card:nth-child(1){border-top-color:var(--accent)}.risk-card:nth-child(2){border-top-color:var(--brand-coral)}.risk-card:nth-child(3){border-top-color:var(--brand-orange)}.risk-card:nth-child(4){border-top-color:var(--brand-gold)}.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(6,1fr);gap:16px}.industry-item{background-color:var(--white);border:1px solid var(--gray-200);border-radius:8px;padding:20px 16px;text-align:center;font-weight:500;color:var(--gray-700);transition:var(--transition)}.industry-item:hover{border-color:var(--accent);color:var(--accent);box-shadow:var(--shadow-sm)}.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(--accent);box-shadow:0 0 0 3px var(--green-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(--green-pale);border-radius:12px;display:flex;align-items:center;justify-content:center;color:var(--accent)}.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-section{height:400px}.map-placeholder{height:100%;background:linear-gradient(135deg,var(--gray-200) 0%,var(--gray-300) 100%);position:relative}.map-overlay{position:absolute;inset:0;display:flex;align-items:center;background:linear-gradient(90deg,var(--primary-dark) 0%,transparent 100%)}.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(4,1fr)}.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}.insurance-type.alt{margin:0;padding-left:0;padding-right:0}.map-section{height:300px}.map-overlay{background:linear-gradient(180deg,var(--primary-dark) 0%,transparent 100%);align-items:flex-start;padding-top:40px}.map-content{text-align:center;max-width:100%}.locations-grid{grid-template-columns:1fr}}.fade-in{opacity:0;transform:translateY(20px);transition:opacity .6s ease,transform .6s 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}.hero .btn-outline{color:var(--accent);border-color:var(--accent)}.hero .btn-outline:hover{background-color:var(--accent);color:var(--white)}:focus-visible{outline:3px solid var(--accent);outline-offset:2px}.form-group input:focus-visible,.form-group select:focus-visible,.form-group textarea:focus-visible{outline:none;border-color:var(--accent);box-shadow:0 0 0 3px var(--green-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)}.footer-link-placeholder{color:var(--gray-500);font-size:.95rem;display:block}.footer-link-placeholder .coming-soon{font-size:.75rem;font-style:italic;opacity:.7;margin-left:4px}.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:4px solid var(--accent);transition:var(--transition)}.location-card:nth-child(1){border-top-color:var(--accent)}.location-card:nth-child(2){border-top-color:var(--brand-coral)}.location-card:nth-child(3){border-top-color:var(--brand-orange)}.location-card:hover{box-shadow:var(--shadow-lg);transform:translateY(-4px)}.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)}}