:root{--navy:#073d67;--blue:#0b6ea9;--sky:#e9f6fd;--green:#168353;--orange:#ff6d1b;--ink:#12344b;--muted:#537087;--line:#d9e7ee;--white:#fff}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);font:15px/1.5 'DM Sans',sans-serif;background:#fff}a{color:inherit;text-decoration:none}h1,h2,h3{font-family:Manrope,sans-serif;margin:0;line-height:1.08}h1{font-size:clamp(2.25rem,4.3vw,4.25rem);color:var(--navy);letter-spacing:-1px}h2{font-size:clamp(1.65rem,2.8vw,2.55rem);color:var(--navy)}h3{font-size:1rem}.topbar{height:70px;display:flex;align-items:center;justify-content:space-between;padding:0 max(24px,calc((100% - 1240px)/2));gap:24px;border-bottom:1px solid #e5eef2;background:white}.brand{display:flex;align-items:center;gap:8px;color:var(--navy);font-size:11px;line-height:1.05;text-transform:uppercase;font-weight:600}.brand b{font-size:13px}.brand-mark{display:grid;place-items:center;width:27px;height:27px;border-radius:8px;background:var(--blue);color:#fff;font-size:22px;font-weight:400}.topbar nav{display:flex;gap:30px;font-size:13px;color:var(--muted)}.button{display:inline-flex;align-items:center;justify-content:center;gap:12px;border:0;border-radius:7px;background:var(--orange);color:#fff;padding:13px 22px;font-weight:700;font-size:13px;cursor:pointer;box-shadow:0 5px 13px #ff6d1b33}.button span{font-size:18px;line-height:0}.button-small{padding:10px 17px;font-size:11px}.section-shell{max-width:1240px;margin:auto;padding-left:24px;padding-right:24px}.hero{min-height:474px;position:relative;display:flex;align-items:center;overflow:hidden;background:linear-gradient(100deg,#f3fbfe 0%,#e4f4fb 52%,#d4eaf3 100%)}.hero-copy{width:57%;position:relative;z-index:2;padding:55px 0 50px}.eyebrow{font-size:10px;letter-spacing:.45px;font-weight:700;color:var(--blue);margin:0 0 7px}.hero-lede{max-width:480px;font-size:16px;color:var(--muted);margin:18px 0 24px}.hero-actions{display:flex;align-items:center;gap:20px}.agent-link{font-size:11px;color:var(--navy);font-weight:700}.agent-link:first-letter{color:var(--green)}.hero-tags{display:flex;gap:22px;margin-top:24px;font-size:10px;color:var(--green);font-weight:700}.hero-image{position:absolute;right:-1%;bottom:0;width:53%;height:94%;background:linear-gradient(90deg,#e4f4fb 0%,transparent 25%),url('https://images.unsplash.com/photo-1511895426328-dc8714191300?auto=format&fit=crop&w=1100&q=85') center/cover;border-radius:45% 0 0 0}.hero-panel{position:absolute;z-index:3;right:7%;top:40px;background:#fff;border-radius:12px;padding:20px 19px;width:185px;box-shadow:0 10px 30px #12415d22;display:grid;gap:3px}.hero-panel b{color:var(--navy);font-size:11px;margin-top:5px}.hero-panel small{font-size:9px;color:var(--muted);padding-left:20px}.centered{text-align:center}.intro{padding:34px 24px 30px;max-width:850px;margin:auto}.intro>p:not(.eyebrow){color:var(--muted);margin:10px auto 20px;max-width:690px;font-size:13px}.feature-row{display:flex;justify-content:center;gap:40px}.feature-row div{display:flex;gap:8px;align-items:center;text-align:left;font-size:11px}.feature-row span,.benefit-icons span:before{display:grid;place-items:center;background:#d7efff;color:var(--blue);width:31px;height:31px;border-radius:50%;font-size:16px}.coverage-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;padding-top:0}.coverage-card{display:grid;grid-template-columns:35% 65%;overflow:hidden;border-radius:8px;background:#edf7fb;min-height:310px}.coverage-card.home{background:#edf9f2}.card-photo{background:center/cover}.hospital .card-photo{background-image:url('https://images.unsplash.com/photo-1576091160399-112ba8d25d1d?auto=format&fit=crop&w=600&q=85')}.home .card-photo{background-image:url('https://images.unsplash.com/photo-1576765608866-5b51046452be?auto=format&fit=crop&w=600&q=85')}.card-copy{padding:19px 18px}.card-copy h2{font-size:21px;margin-bottom:7px}.card-copy p:not(.eyebrow){font-size:10px;color:var(--muted);margin:0 0 7px}.card-copy ul{padding-left:16px;margin:5px 0 12px;font-size:10px;line-height:1.55;color:var(--green)}.button-green{background:var(--green);font-size:10px;padding:9px 12px;width:100%;box-shadow:none}.section-band{background:#eaf6fd;margin-top:35px;padding:30px 0}.steps{display:grid;grid-template-columns:repeat(3,1fr) 1fr;gap:30px;margin-top:25px}.steps>div:not(.no-obligation){position:relative}.steps span{display:grid;place-items:center;width:32px;height:32px;background:#d1edff;color:var(--blue);border-radius:50%;font-weight:800;margin:0 auto 10px}.steps h3,.steps p{text-align:center}.steps p{font-size:11px;color:var(--muted);margin:7px 0}.no-obligation{background:white;border-radius:9px;padding:14px;display:grid;gap:8px;align-content:center;box-shadow:0 2px 10px #12415d12}.no-obligation b{font-size:10px;color:var(--navy)}.benefits{padding:35px 24px}.benefit-icons{display:flex;justify-content:center;gap:22px;flex-wrap:wrap;margin-top:20px}.benefit-icons span{font-size:10px;color:var(--muted);display:flex;flex-direction:column;align-items:center;gap:6px}.benefit-icons span:before{content:'+';font-size:18px}.benefit-icons span:nth-child(3):before{color:var(--green)}.options{display:grid;grid-template-columns:1fr 1.1fr;gap:45px;align-items:center;background:linear-gradient(110deg,#effaff,#dff1f9);padding-top:40px;padding-bottom:40px}.options-copy p:not(.eyebrow){max-width:450px;color:var(--muted);font-size:13px}.lead-form{background:white;padding:22px;border-radius:9px;box-shadow:0 6px 25px #12415d17}.lead-form h3{color:var(--navy);margin-bottom:15px}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px}label{display:grid;gap:4px;font-size:10px;color:var(--muted);font-weight:700}input{width:100%;border:1px solid #d4e1e8;border-radius:4px;padding:9px;font:inherit;background:#fbfdfe}fieldset{border:0;padding:14px 0 15px;display:flex;gap:15px;flex-wrap:wrap;margin:0}legend{font-size:10px;color:var(--muted);font-weight:700;margin-bottom:8px}fieldset label{display:flex;align-items:center;display:flex;gap:4px;font-weight:500}fieldset input{width:auto}.lead-form>.button{width:100%}.lead-form small{display:block;margin-top:10px;color:#78909c;font-size:9px}.form-message{color:var(--green);font-size:11px;font-weight:700}.faq{padding:55px 24px;max-width:850px;margin:auto}.faq-list{text-align:left;margin-top:22px;border-top:1px solid var(--line)}details{border-bottom:1px solid var(--line);padding:16px 0}summary{cursor:pointer;color:var(--navy);font-weight:700;font-size:14px}details p{font-size:12px;color:var(--muted);max-width:700px;margin:10px 0 0}footer{background:var(--navy);color:#d6e8f1;padding:35px 0}footer .section-shell{display:grid;grid-template-columns:180px 1fr;gap:25px;align-items:start}footer .brand{color:white}footer p,footer small{font-size:10px;max-width:760px;margin:0}footer small{grid-column:2;color:#a9c5d5}@media(max-width:800px){.topbar{height:60px}.topbar nav{display:none}.hero{min-height:650px;align-items:flex-start}.hero-copy{width:100%;padding-top:48px}.hero-image{width:100%;height:47%;top:auto;bottom:0;border-radius:45% 0 0 0;opacity:.8}.hero-panel{top:auto;bottom:190px;right:20px;width:175px;padding:13px}.hero-tags{gap:10px;flex-wrap:wrap}.coverage-grid,.options{grid-template-columns:1fr}.steps{grid-template-columns:1fr 1fr;gap:18px}.no-obligation{grid-column:span 2}.feature-row{gap:16px;flex-wrap:wrap}.feature-row div{flex:1;min-width:130px}.card-copy h2{font-size:18px}}@media(max-width:480px){h1{font-size:2.25rem}.hero-actions{align-items:flex-start;flex-direction:column;gap:12px}.hero-panel{bottom:174px}.coverage-card{grid-template-columns:1fr}.card-photo{min-height:150px}.steps{grid-template-columns:1fr}.no-obligation{grid-column:auto}footer .section-shell{grid-template-columns:1fr}footer small{grid-column:auto}.options{gap:25px}.benefit-icons{gap:14px}}