.hero{background-color:var(--bg-dark);align-items:center;min-height:clamp(60vh,56.25vw,88vh);display:flex;position:relative;overflow:hidden}.hero__image{object-position:center}.hero__overlay{background:linear-gradient(to right, rgba(var(--overlay), .7) 0%, rgba(var(--overlay), .4) 50%, rgba(var(--overlay), .15) 100%);position:absolute;inset:0}@media (prefers-color-scheme:dark){.hero__overlay{background:linear-gradient(to right, rgba(var(--overlay), .88) 0%, rgba(var(--overlay), .6) 50%, rgba(var(--overlay), .3) 100%)}}.hero__inner{width:100%;position:relative}.hero__content{max-width:540px}@keyframes fadeUp{0%{opacity:0;transform:translateY(16px)}to{opacity:1;transform:translateY(0)}}.hero__heading{font-family:var(--font-display);font-weight:700;font-size:var(--type-5);letter-spacing:-.03em;text-transform:none;color:var(--fg-on-dark);margin-bottom:var(--space-5);line-height:1.05;animation:.6s ease-out both fadeUp}.hero__sub{font-size:var(--type-1);color:var(--fg-muted-on-dark);margin-bottom:var(--space-7);text-wrap:balance;max-width:480px;line-height:1.6;animation:.6s ease-out .1s both fadeUp}.hero__audience{gap:var(--space-3);flex-wrap:wrap;animation:.6s ease-out .2s both fadeUp;display:flex}.hero__pill{align-items:center;gap:var(--space-3);padding:var(--space-3) var(--space-5);min-height:var(--touch-target);font-family:var(--font-display);font-weight:600;font-size:var(--type-0);color:var(--fg-on-dark);-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);transition:background var(--transition-fast), border-color var(--transition-fast), color var(--transition-fast), transform var(--transition-fast), box-shadow var(--transition-fast);background:#0f172a26;border:1px solid #fff6;border-radius:999px;text-decoration:none;display:inline-flex}.hero__pill:hover,.hero__pill:focus-visible{background:var(--accent-on-dark);border-color:var(--accent-on-dark);color:var(--bg-dark);box-shadow:var(--shadow-accent-sm);transform:translateY(-2px)}a.hero__pill:focus-visible{outline-color:var(--accent-on-dark)}.hero__pill-chevron{font-size:var(--type-1);transition:transform var(--transition-fast);line-height:1;display:inline-block}.hero__pill:hover .hero__pill-chevron,.hero__pill:focus-visible .hero__pill-chevron{transform:translate(3px)}@media (prefers-reduced-motion:reduce){.hero__audience,.hero__pill,.hero__pill-chevron{transition:none;animation:none}.hero__pill:hover,.hero__pill:focus-visible,.hero__pill:hover .hero__pill-chevron,.hero__pill:focus-visible .hero__pill-chevron{transform:none}}@media (max-width:768px){.hero{align-items:flex-end;min-height:60vh}.hero__image{object-position:center bottom}.hero__inner{padding:var(--space-9) var(--space-6)}.hero__heading{font-size:var(--type-4)}.hero__overlay{background:linear-gradient(to top, rgba(var(--overlay), .75) 0%, rgba(var(--overlay), .45) 60%, rgba(var(--overlay), .15) 100%)}@media (prefers-color-scheme:dark){.hero__overlay{background:linear-gradient(to top, rgba(var(--overlay), .88) 0%, rgba(var(--overlay), .6) 60%, rgba(var(--overlay), .3) 100%)}}.hero__audience{flex-direction:column;align-items:stretch;width:100%}.hero__pill{justify-content:center;width:100%}.hero__pill-chevron{display:none}}@media (max-width:480px){.hero__heading{font-size:var(--type-3)}}
.card{padding:var(--space-6);background:var(--card-bg);border:2px solid var(--border);border-radius:var(--radius-lg);transition:border-color var(--transition-fast), transform var(--transition-fast), box-shadow var(--transition-fast);flex-direction:column;display:flex}.card:hover{border-color:var(--accent);box-shadow:var(--shadow-md);transform:translateY(-2px)}.card__title{font-family:var(--font-display);font-weight:600;font-size:var(--type-0);margin-bottom:var(--space-3)}
.insurance-for-you{background:var(--bg-dark);color:var(--fg-on-dark);border-top:1px solid #ffffff14}.insurance-for-you__heading{color:var(--fg-on-dark)}.insurance-for-you__grid{gap:var(--space-5);margin-bottom:var(--space-7);grid-template-columns:repeat(2,1fr);display:grid}.insurance-for-you__card{transition:border-color var(--transition-fast), background var(--transition-fast), transform var(--transition-fast), box-shadow var(--transition-fast);background:#ffffff0d;border:1px solid #ffffff1a}.insurance-for-you__card:hover{border-color:var(--accent-on-dark);box-shadow:var(--shadow-md);background:#ffffff14}.insurance-for-you__icon{width:var(--icon-xl);height:var(--icon-xl);color:var(--accent-on-dark);margin-bottom:var(--space-4);transition:transform var(--transition-fast)}.insurance-for-you__card:hover .insurance-for-you__icon{transform:scale(1.1)}.insurance-for-you__icon svg{width:100%;height:100%}.insurance-for-you__title{color:var(--fg-on-dark)}.insurance-for-you__desc{font-size:var(--type--1);color:var(--fg-muted-on-dark);line-height:1.6}.insurance-for-you__cta{padding:var(--space-3) var(--space-6)}@media (max-width:768px){.insurance-for-you__grid{grid-template-columns:1fr}}
.js .scroll-reveal{opacity:0;transition:opacity .5s ease-out,transform .5s ease-out;transform:translateY(20px)}.js .scroll-reveal--visible{opacity:1;transform:translateY(0)}@media (prefers-reduced-motion:reduce){.js .scroll-reveal{opacity:1;transition:none;transform:none}}
.services__card{-webkit-user-select:none;user-select:none;position:relative}.services__grid{gap:var(--space-5);grid-template-columns:repeat(4,1fr);display:grid}.services__cta{margin-top:var(--space-7);padding:var(--space-3) var(--space-6)}.services__icon{width:var(--icon-2xl);height:var(--icon-2xl);color:var(--accent);margin-bottom:var(--space-4);transition:transform var(--transition-fast)}.services__card:hover .services__icon,.services__card:focus-within .services__icon{transform:scale(1.1)}.services__icon svg{width:100%;height:100%}.services__title{text-transform:none;color:var(--fg)}.services__desc{color:var(--fg-muted);font-size:var(--type--1);flex:1;line-height:1.6}.services__link{color:inherit;text-decoration:none}.services__link:after{content:"";position:absolute;inset:0}.services__external{bottom:var(--space-4);right:var(--space-4);width:var(--icon-sm);height:var(--icon-sm);color:var(--fg-muted);pointer-events:none;transition:transform var(--transition-fast);position:absolute}.services__external svg{width:100%;height:100%}.services__card:hover .services__external,.services__card:focus-within .services__external{transform:translate(2px,-2px)}@media (max-width:1024px){.services__grid{grid-template-columns:repeat(2,1fr)}}@media (max-width:768px){.services__grid{grid-template-columns:1fr}}@media (max-width:480px){.services__grid{grid-template-columns:1fr;gap:0}.services__card{padding:var(--space-5) 0;border:none;border-bottom:1px solid var(--border);align-items:center;gap:0 var(--space-3);background:0 0;border-radius:0;flex-flow:wrap}.services__card:first-child{border-top:1px solid var(--border)}.services__card:hover{border-color:var(--border);box-shadow:none;transform:none}.services__icon{width:var(--icon-sm);height:var(--icon-sm);margin-bottom:0}.services__title{flex:1;min-width:0;margin-bottom:0}.services__link{font-family:var(--font-display);font-weight:600;font-size:var(--type-0);color:var(--accent)}.services__desc{width:100%;margin-top:var(--space-2);flex:none;order:3}.services__external{order:4;align-self:center;width:14px;height:14px;margin-left:auto;position:static}}
.testimonials__grid{gap:var(--space-6);grid-template-columns:repeat(3,1fr);display:grid}.testimonials__icon{width:var(--icon-md);height:var(--icon-md);color:var(--accent);margin-bottom:var(--space-4)}.testimonials__icon svg{width:100%;height:100%}.testimonials__quote{font-style:italic;font-size:var(--type-0);color:var(--fg-muted);margin-bottom:var(--space-5);line-height:1.7}.testimonials__author{font-style:normal;font-family:var(--font-display);font-weight:600;font-size:var(--type--1);color:var(--accent);margin-top:auto}@media (max-width:768px){.testimonials__grid{grid-template-columns:repeat(2,1fr)}}@media (max-width:480px){.testimonials__grid{grid-template-columns:1fr}}