:root{--navy:#071f49;--blue:#0b52b5;--sky:#eaf3ff;--ink:#12213a;--muted:#5c6879;--line:#dce6f2;--cream:#f7f9fc}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:#fff;color:var(--ink);font-family:Arial,Helvetica,sans-serif}a{color:inherit;text-decoration:none}main{overflow:hidden}
.site-header{height:86px;display:flex;align-items:center;justify-content:space-between;padding:0 clamp(24px,5vw,78px);border-bottom:1px solid var(--line);position:relative;z-index:20;background:rgba(255,255,255,.96)}
.brand{display:flex;align-items:center;gap:12px}.brand-mark{width:43px;height:43px;border-radius:50%;display:grid;place-items:center;background:var(--navy);color:white;font-weight:800;font-size:14px;letter-spacing:1px}.brand strong,.brand small{display:block}.brand strong{text-transform:uppercase;letter-spacing:1.5px;font-size:14px}.brand small{text-transform:uppercase;letter-spacing:2.3px;color:#6c7787;font-size:9px;margin-top:3px}.site-header nav{display:flex;gap:34px;font-size:13px;font-weight:700;color:#435067}.site-header nav a:hover{color:var(--blue)}
.button{display:inline-flex;align-items:center;justify-content:center;gap:12px;background:var(--blue);color:#fff;padding:16px 22px;border-radius:3px;font-size:13px;font-weight:800;letter-spacing:.2px;transition:.2s}.button:hover{background:#083f8e;transform:translateY(-1px)}.button-small{padding:12px 19px}.text-link{font-weight:800;color:var(--navy);border-bottom:1px solid #9bb5d9;padding:5px 0;display:inline-flex;gap:8px}
.hero{min-height:690px;display:grid;grid-template-columns:56% 44%;background:linear-gradient(115deg,#fff 0%,#fff 52%,#edf5ff 52%);position:relative}.hero:before{content:"";position:absolute;width:380px;height:380px;border:1px solid #d8e6f7;border-radius:50%;left:-260px;top:150px}.hero-copy{padding:clamp(74px,8vw,118px) 5vw 62px clamp(24px,7vw,108px);position:relative;z-index:2}.eyebrow{font-size:11px;font-weight:800;letter-spacing:2.3px;color:var(--blue);display:flex;align-items:center;gap:10px;margin:0 0 24px}.eyebrow span{width:28px;height:2px;background:currentColor}.hero h1,.section h2,.process-heading h2,.states-heading h2,.cta-section h2{font-family:Georgia,"Times New Roman",serif;font-weight:500;color:var(--navy);letter-spacing:-2.2px}.hero h1{font-size:clamp(48px,5.2vw,76px);line-height:1.03;max-width:720px;margin:0}.hero-lede{font-size:17px;line-height:1.8;color:var(--muted);max-width:640px;margin:28px 0}.hero-actions{display:flex;align-items:center;gap:30px}.trust-row{display:flex;gap:0;margin-top:62px;border-top:1px solid var(--line);max-width:680px;padding-top:24px}.trust-row>div{padding:0 28px;border-right:1px solid var(--line)}.trust-row>div:first-child{padding-left:0}.trust-row>div:last-child{border:0}.trust-row strong,.trust-row span{display:block}.trust-row strong{color:var(--navy);font-size:14px}.trust-row span{font-size:10px;color:#758093;margin-top:5px;text-transform:uppercase;letter-spacing:1px}
.hero-portrait{position:relative;display:flex;align-items:flex-end;justify-content:center}.hero-portrait img{width:min(520px,95%);height:640px;object-fit:cover;object-position:center top;filter:drop-shadow(0 22px 26px rgba(11,42,83,.13));z-index:2;border-radius:260px 260px 0 0}.portrait-halo{position:absolute;width:430px;height:430px;border-radius:50%;background:#d9eaff;top:88px;left:50%;transform:translateX(-50%);border:1px solid #c6ddf7}.advisor-card{position:absolute;z-index:3;bottom:50px;left:6%;display:flex;align-items:center;gap:12px;background:white;padding:16px 19px;border-radius:4px;box-shadow:0 15px 45px rgba(5,35,73,.16)}.advisor-card strong,.advisor-card small{display:block}.advisor-card strong{font-size:13px;color:var(--navy)}.advisor-card small{font-size:10px;color:#7a8595;margin-top:3px}.status-dot{width:10px;height:10px;background:#2fbd72;border-radius:50%;box-shadow:0 0 0 4px #e7f8ef}
.section{padding:110px clamp(24px,8vw,120px)}.section-tight{padding:0 clamp(24px,8vw,120px) 120px}.intro{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:end}.intro h2,.about-copy h2,.states-heading h2{font-size:clamp(40px,4vw,57px);line-height:1.08;margin:0}.intro>p{font-size:16px;line-height:1.9;color:var(--muted);max-width:590px;margin:0}
.option-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.option-card{border:1px solid var(--line);padding:36px;position:relative;min-height:400px;background:white}.option-featured{background:var(--navy);color:white;border-color:var(--navy)}.card-number{position:absolute;right:25px;top:22px;color:#94a3b8;font-size:11px;font-weight:800;letter-spacing:2px}.option-icon{width:48px;height:48px;border-radius:50%;background:var(--sky);color:var(--blue);display:grid;place-items:center;font-size:23px;margin-bottom:44px}.option-featured .option-icon{background:rgba(255,255,255,.12);color:white}.option-card h3{font-family:Georgia,"Times New Roman",serif;font-size:28px;margin:0 0 16px}.option-card p{font-size:13px;line-height:1.75;color:#657185}.option-featured p{color:#c2cee0}.option-card ul{padding:0;margin:24px 0 0;list-style:none;border-top:1px solid var(--line)}.option-featured ul{border-color:rgba(255,255,255,.16)}.option-card li{font-size:12px;padding:11px 0;border-bottom:1px solid var(--line)}.option-featured li{border-color:rgba(255,255,255,.12)}.option-card li:before{content:"✓";margin-right:10px;color:#3c8ce7}
.process-section{background:var(--navy);color:white;padding:110px clamp(24px,8vw,120px);display:grid;grid-template-columns:38% 62%;gap:8vw}.eyebrow.light{color:#7ab3f8}.process-heading h2,.cta-section h2{color:white;font-size:clamp(40px,4vw,58px);line-height:1.08;margin:0}.process-heading>p:last-child{color:#aebdd2;font-size:14px;line-height:1.8;max-width:430px;margin-top:24px}.steps{border-top:1px solid rgba(255,255,255,.16)}.steps article{display:grid;grid-template-columns:50px 1fr;gap:20px;padding:24px 0;border-bottom:1px solid rgba(255,255,255,.16)}.steps article>span{width:35px;height:35px;border:1px solid #4473ad;border-radius:50%;display:grid;place-items:center;font-size:11px;color:#8dbbf3}.steps h3{margin:2px 0 7px;font-size:17px}.steps p{margin:0;color:#aebdd2;font-size:12px;line-height:1.7}
.about{display:grid;grid-template-columns:42% 58%;gap:9vw;align-items:center}.about-quote{min-height:420px;background:var(--sky);padding:58px;display:flex;flex-direction:column;justify-content:center;position:relative}.quote-mark{font-family:Georgia,serif;font-size:100px;line-height:.7;color:#86b4e8}.about blockquote{font-family:Georgia,"Times New Roman",serif;color:var(--navy);font-size:32px;line-height:1.35;margin:25px 0 0}.about-copy>p{font-size:14px;color:var(--muted);line-height:1.9}.contact-lines{margin-top:30px;border-top:1px solid var(--line)}.contact-lines a{display:flex;justify-content:space-between;padding:16px 0;border-bottom:1px solid var(--line);font-size:13px;font-weight:700}.contact-lines span{color:#8a94a3;text-transform:uppercase;font-size:9px;letter-spacing:1.5px}
.states-section{padding:100px clamp(24px,8vw,120px);background:var(--cream);display:grid;grid-template-columns:35% 65%;gap:70px}.state-list{display:grid;grid-template-columns:repeat(4,1fr);gap:13px}.state-list span{font-size:12px;padding:12px 14px;background:white;border:1px solid var(--line);color:#4b586c}.state-list span:before{content:"•";color:var(--blue);margin-right:8px}
.cta-section{background:linear-gradient(110deg,#0b4da7,#1676d7);padding:86px clamp(24px,8vw,120px);display:flex;justify-content:space-between;align-items:center;gap:50px;color:white}.cta-section h2{margin:0}.cta-section p{max-width:670px;color:#d6e8ff;line-height:1.7}.cta-actions{display:flex;gap:12px;flex-shrink:0}.button-white{background:white;color:var(--navy)}.button-white:hover{background:#eef5ff}.button-outline{background:transparent;border:1px solid rgba(255,255,255,.55)}
footer{padding:55px clamp(24px,8vw,120px) 35px;background:#05162f;color:white}.footer-top{display:flex;justify-content:space-between;align-items:center;padding-bottom:35px;border-bottom:1px solid rgba(255,255,255,.13)}.footer-brand .brand-mark{background:white;color:var(--navy)}.footer-top>div:last-child{text-align:right}.footer-top>div:last-child strong,.footer-top>div:last-child span{display:block}.footer-top>div:last-child strong{font-size:12px}.footer-top>div:last-child span{font-size:10px;color:#8295b1;margin-top:4px}.disclaimer{color:#7f91aa;font-size:9px;line-height:1.7;max-width:1000px;margin:28px 0}.copyright{font-size:9px;color:#60748f;margin:0}
@media(max-width:1450px){.about{grid-template-columns:1fr;gap:50px}.about-copy{min-width:0}.contact-lines a{align-items:flex-start;gap:12px;flex-direction:column}.contact-lines a:not(:first-child){overflow-wrap:anywhere;word-break:break-word}}
@media(max-width:980px){.site-header nav{display:none}.hero{grid-template-columns:1fr;background:linear-gradient(#fff 0 65%,#edf5ff 65%)}.hero-copy{padding-bottom:20px}.hero-portrait{min-height:610px}.advisor-card{left:14%}.intro,.about,.process-section,.states-section{grid-template-columns:1fr}.option-grid{grid-template-columns:1fr}.option-card{min-height:auto}.state-list{grid-template-columns:repeat(3,1fr)}.cta-section{align-items:flex-start;flex-direction:column}.cta-actions{flex-wrap:wrap}}
@media(max-width:620px){.site-header{height:74px;padding:0 18px}.brand-mark{width:38px;height:38px}.button-small{font-size:11px;padding:11px 13px}.hero h1{font-size:44px}.hero-copy{padding:65px 22px 15px}.hero-actions{align-items:flex-start;flex-direction:column;gap:18px}.trust-row{display:grid;grid-template-columns:1fr 1fr;gap:18px}.trust-row>div{padding:0;border:0}.hero-portrait{min-height:540px}.hero-portrait img{height:525px;width:100%;border-radius:190px 190px 0 0}.portrait-halo{width:330px;height:330px}.advisor-card{left:18px;bottom:24px}.section{padding:80px 22px}.section-tight{padding:0 22px 85px}.intro{gap:28px}.option-card{padding:28px}.process-section{padding:80px 22px}.about-quote{padding:38px;min-height:350px}.about blockquote{font-size:27px}.states-section{padding:80px 22px;gap:35px}.state-list{grid-template-columns:1fr 1fr}.cta-section{padding:70px 22px}.cta-actions{width:100%;flex-direction:column}.footer-top{align-items:flex-start;gap:25px;flex-direction:column}.footer-top>div:last-child{text-align:left}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.button{transition:none}}