:root{--navy: #1E4D8C;--navy-dark: #163A6A;--gold: #F5C400;--gold-hover: #E0B400;--mid-blue: #2E6DB4;--light-blue: #D6E4F7;--light-blue-alt: #EBF1FA;--white: #FFFFFF;--text-dark: #1A1A1A;--text-gray: #666666;--text-gray-light: #999999;--alert-red: #C0392B;--success-green: #1B7A3D;--font-head: "Lora", Georgia, "Times New Roman", serif;--font-body: "Source Sans 3", system-ui, -apple-system, Segoe UI, Roboto, sans-serif;--hero-gradient: linear-gradient(135deg, #1E4D8C 0%, #1A4278 40%, #234F8A 100%);--footer-gradient: linear-gradient(180deg, #163A6A 0%, #1E4D8C 100%);--maxw: 1180px;--radius-card: 12px;--radius-btn: 8px;--shadow-card: 0 2px 8px rgba(30, 77, 140, .06);--shadow-card-hover: 0 14px 34px rgba(30, 77, 140, .14);--nav-h: 72px}*,*:before,*:after{box-sizing:border-box}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}body{margin:0;font-family:var(--font-body);font-size:17px;line-height:1.65;color:var(--text-dark);background:var(--white);-webkit-font-smoothing:antialiased}img{max-width:100%;display:block}a{color:var(--mid-blue);text-decoration:none}h1,h2,h3,h4{font-family:var(--font-head);color:var(--navy);margin:0 0 .5em;line-height:1.2;font-weight:600}p{margin:0 0 1rem}ul{margin:0;padding:0;list-style:none}.container{width:100%;max-width:var(--maxw);margin:0 auto;padding:0 24px}.section{padding:88px 0}.section--white{background:var(--white)}.section--light{background:var(--light-blue)}.section__head{max-width:760px;margin:0 auto 48px;text-align:center}.section__head.left{margin-left:0;text-align:left}.eyebrow{font-family:var(--font-body);text-transform:uppercase;letter-spacing:1.5px;font-size:12px;font-weight:700;color:var(--gold);margin:0 0 12px}h2{font-size:34px}h3{font-size:20px}.lead{font-size:18px;color:var(--text-gray)}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-family:var(--font-body);font-weight:600;font-size:15px;line-height:1;border-radius:var(--radius-btn);padding:14px 32px;cursor:pointer;border:1px solid transparent;transition:background .2s ease,transform .2s ease,box-shadow .2s ease,color .2s ease;text-align:center}.btn-gold{background:var(--gold);color:var(--navy);border-color:var(--gold)}.btn-gold:hover{background:var(--gold-hover);transform:translateY(-1px);box-shadow:0 8px 20px #f5c40059}.btn-outline{background:transparent;color:var(--white);border-color:#ffffff73}.btn-outline:hover{background:#ffffff1f}.btn-blue{background:var(--mid-blue);color:var(--white);border-color:var(--mid-blue)}.btn-blue:hover{background:#255c98;transform:translateY(-1px)}.site-header{position:fixed;top:0;left:0;right:0;height:var(--nav-h);background:var(--white);z-index:100;transition:box-shadow .25s ease}.site-header.scrolled{box-shadow:0 4px 24px #1e4d8c1a}.nav{height:var(--nav-h);display:flex;align-items:center;justify-content:space-between}.nav__brand{display:flex;align-items:center;gap:10px}.nav__brand img{height:40px;width:auto}.nav__wordmark{font-family:var(--font-head);font-weight:700;font-size:17px;color:var(--navy);white-space:nowrap}.nav__links{display:flex;align-items:center;gap:30px}.nav__link{font-family:var(--font-body);font-weight:500;font-size:15px;color:var(--navy);position:relative;padding:6px 0}.nav__link:after{content:"";position:absolute;left:0;bottom:0;height:2px;width:0;background:var(--gold);transition:width .25s ease}.nav__link:hover:after,.nav__link.active:after{width:100%}.nav__link[aria-disabled=true]{color:var(--text-gray-light);cursor:default;pointer-events:none}.nav__cta{display:flex;align-items:center;gap:14px}.nav__toggle{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:6px}.nav__toggle span{width:24px;height:2px;background:var(--navy);transition:transform .25s ease,opacity .25s ease}.nav-spacer{height:var(--nav-h)}.hero{background:var(--hero-gradient);color:var(--white);padding:84px 0 92px;overflow:hidden}.hero__grid{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}.hero h1{color:var(--white);font-size:44px;font-weight:600;line-height:1.18;margin-bottom:20px}.hero__sub{font-size:19px;color:#ffffffe0;margin-bottom:30px;max-width:520px}.hero__cta{display:flex;align-items:center;gap:18px;flex-wrap:wrap}.hero__note{font-size:14px;color:#ffffffb3;margin:16px 0 0}.report-mock{background:var(--white);color:var(--text-dark);border-radius:14px;box-shadow:0 20px 40px #0000004d;transform:perspective(800px) rotateY(-8deg) rotateX(3deg);transition:transform .5s ease;overflow:hidden;max-width:420px;margin-left:auto}.report-mock:hover{transform:perspective(800px) rotateY(-3deg) rotateX(1deg)}.report-mock__bar{background:var(--navy);color:var(--white);padding:14px 20px;display:flex;align-items:center;gap:10px;font-family:var(--font-head);font-weight:600;font-size:15px}.report-mock__bar .dot{width:9px;height:9px;border-radius:50%;background:var(--gold)}.report-mock__body{padding:20px 22px 24px}.report-mock__label{font-size:11px;text-transform:uppercase;letter-spacing:1px;color:var(--text-gray-light);font-weight:700;margin:0 0 8px}.report-mock__sumgrid{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-bottom:18px}.report-mock__sumcell{background:var(--light-blue-alt);border-radius:8px;padding:10px 12px}.report-mock__sumcell strong{display:block;font-family:var(--font-head);color:var(--navy);font-size:18px}.report-mock__sumcell span{font-size:12px;color:var(--text-gray)}.report-mock__row{display:flex;align-items:center;gap:12px;padding:10px 0;border-top:1px solid #eef2f8}.report-mock__thumb{width:36px;height:36px;border-radius:6px;background:linear-gradient(135deg,#d6e4f7,#bcd2ef);flex:none}.report-mock__row .meta{flex:1}.report-mock__row .meta b{display:block;font-size:14px;color:var(--text-dark);font-weight:600}.report-mock__row .meta span{font-size:12px;color:var(--text-gray)}.report-mock__row .val{font-family:var(--font-head);font-weight:700;color:var(--navy);font-size:14px}.press{background:var(--white);padding:26px 0;border-bottom:1px solid #eef2f8}.press__label{text-align:center;font-size:12px;letter-spacing:1.5px;text-transform:uppercase;color:var(--text-gray-light);font-weight:700;margin:0 0 16px}.press__track-wrap{position:relative;overflow:hidden}.press__track-wrap:before,.press__track-wrap:after{content:"";position:absolute;top:0;bottom:0;width:60px;z-index:2;pointer-events:none}.press__track-wrap:before{left:0;background:linear-gradient(90deg,var(--white),transparent)}.press__track-wrap:after{right:0;background:linear-gradient(270deg,var(--white),transparent)}.press__track{display:flex;align-items:center;width:max-content;animation:press-scroll 28s linear infinite}.press__item{flex-shrink:0;display:flex;align-items:center;justify-content:center;padding:0 32px;height:56px}.press__track img{height:52px;width:auto;max-width:175px;object-fit:contain;opacity:.92;transition:opacity .2s}.press__track img:hover{opacity:1}.press__track:hover{animation-play-state:paused}@keyframes press-scroll{0%{transform:translate(0)}to{transform:translate(-50%)}}.stat-cols{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;margin-top:8px}.stat-card{background:var(--white);border-radius:var(--radius-card);padding:30px 28px;box-shadow:var(--shadow-card);border:1px solid rgba(30,77,140,.08)}.stat-card h3{font-size:17px;color:var(--navy);margin-bottom:18px}.stat-card__num{font-family:var(--font-head);font-weight:700;font-size:38px;line-height:1;color:var(--navy)}.stat-card__num.red{color:var(--alert-red)}.stat-card__lbl{font-size:15px;color:var(--text-gray);margin:8px 0 18px}.stat-card__lbl:last-child{margin-bottom:0}.callout{margin-top:32px;background:var(--light-blue-alt);border-radius:12px;padding:24px 30px}.callout--gold{border-left:5px solid var(--gold)}.callout--white{background:var(--white);box-shadow:var(--shadow-card)}.callout p:last-child{margin-bottom:0}.big-loss{text-align:center;font-family:var(--font-head);font-weight:700;color:var(--alert-red);font-size:40px;margin:4px 0 0}.story{max-width:760px;margin:0 auto}.story p{color:var(--text-dark)}.story .kicker{color:var(--navy);font-weight:600}.story--italic p,.story--italic .kicker{font-style:italic;color:var(--text-gray);font-weight:400}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}.step{background:var(--white);border-radius:var(--radius-card);padding:36px 30px;box-shadow:var(--shadow-card);border:1px solid rgba(30,77,140,.08);text-align:center}.step__num{width:46px;height:46px;border-radius:50%;background:var(--gold);color:var(--navy);font-family:var(--font-head);font-weight:700;font-size:19px;display:flex;align-items:center;justify-content:center;margin:0 auto 18px}.step h3{margin-bottom:10px}.step p{color:var(--text-gray);font-size:15.5px;margin:0}.feature-grid{display:grid;grid-template-columns:1fr 1fr;gap:0 48px;max-width:920px;margin:0 auto}.feature-grid--single{grid-template-columns:1fr;max-width:760px}.feature-item{display:flex;gap:12px;align-items:flex-start;padding:14px 0;border-bottom:1px solid #eef2f8}.feature-item .tick{flex:none;color:var(--success-green);font-size:16px;font-weight:700;line-height:1.5;margin-top:1px}.feature-item p{margin:0;color:var(--text-dark)}.plans{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:28px;max-width:820px;margin:0 auto}.plan{background:var(--white);border-radius:var(--radius-card);padding:36px 32px;box-shadow:var(--shadow-card);border:1px solid rgba(30,77,140,.08);border-top:4px solid transparent;transition:transform .2s ease,box-shadow .2s ease}.plan:hover{transform:translateY(-3px);box-shadow:var(--shadow-card-hover)}.plan--vault{border-top-color:var(--mid-blue)}.plan--concierge{border-top-color:var(--gold)}.plan__name{font-size:20px;margin-bottom:8px;text-align:center}.plan--vault .plan__name{color:var(--navy)}.plan--concierge .plan__name{color:var(--gold)}.plan__price{font-family:var(--font-head);font-weight:700;font-size:36px;color:var(--navy);line-height:1;text-align:center}.plan__price small{font-family:var(--font-body);font-size:15px;font-weight:500;color:var(--text-gray)}.plan__alt{font-size:14.5px;color:var(--text-gray);margin:6px 0 20px;text-align:center}.plan__features{list-style:none;padding:0;margin:0}.plan__features li{display:flex;gap:10px;align-items:flex-start;padding:11px 0;font-size:15px;color:var(--text-dark);border-bottom:1px solid #eef2f8}.plan__features li:last-child{border-bottom:none}.plan__features .tick{color:var(--text-gray-light);flex:none;margin-top:2px}.plans__foot{text-align:center;margin-top:30px}.btn-outline-navy{background:transparent;color:var(--navy);border-color:#1e4d8c80}.btn-outline-navy:hover{background:#1e4d8c0f;transform:translateY(-1px)}.testimonial{background:var(--light-blue-alt);border-radius:var(--radius-card);padding:40px 44px;max-width:820px;margin:0 auto 48px;text-align:center}.testimonial__stars{width:124px;margin:0 auto 18px}.testimonial__quote{font-family:var(--font-head);font-size:21px;line-height:1.5;color:var(--navy);font-style:italic;margin-bottom:18px}.testimonial__who{font-weight:600;color:var(--text-dark);margin:0}.testimonial__where{font-size:14.5px;color:var(--text-gray);margin:2px 0 0}.trust-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}.trust-card{background:var(--white);border-radius:var(--radius-card);padding:30px 28px;box-shadow:var(--shadow-card);border:1px solid rgba(30,77,140,.08)}.trust-card h3{font-size:18px;font-style:italic;margin-bottom:10px}.trust-card p{color:var(--text-gray);font-size:15.5px;margin:0}.service-area{text-align:center;max-width:720px;margin:0 auto}.service-area p{color:var(--text-dark)}.service-area .muted{color:var(--text-gray);font-size:15.5px}.faq{max-width:820px;margin:0 auto}.faq-item{border-bottom:1px solid rgba(30,77,140,.12)}.faq-q{width:100%;text-align:left;background:none;border:none;cursor:pointer;font-family:var(--font-head);font-weight:600;font-size:17px;color:var(--navy);padding:22px 40px 22px 0;position:relative;display:flex;align-items:center;justify-content:space-between;gap:16px}.faq-q:after{content:"+";position:absolute;right:4px;top:50%;transform:translateY(-50%);font-family:var(--font-body);font-weight:400;font-size:26px;color:var(--mid-blue);transition:transform .3s ease}.faq-item.open .faq-q:after{content:"−"}.faq-a{max-height:0;overflow:hidden;transition:max-height .4s ease}.faq-a p{color:var(--text-gray);font-size:15.5px;padding:0 0 22px;margin:0}.cta-final{text-align:center;max-width:760px;margin:0 auto}.cta-final h2{font-size:32px}.cta-final p{color:var(--text-gray);font-size:18px;margin-bottom:28px}.cta-final .btn{font-size:16px;padding:16px 38px}.cta-final .note{font-size:14px;color:var(--text-gray-light);margin:14px 0 0}.site-footer{background:var(--footer-gradient);color:#ffffffa6;padding:64px 0 0}.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:40px}.footer-brand{display:flex;align-items:center;gap:10px;margin-bottom:16px}.footer-brand img{height:34px;width:auto}.footer-brand span{font-family:var(--font-head);font-weight:700;font-size:16px;color:var(--white)}.footer-tag{font-size:14.5px;color:#fff9;max-width:280px}.footer-col h4{font-family:var(--font-body);text-transform:uppercase;letter-spacing:2px;font-size:12px;font-weight:700;color:var(--gold);margin:0 0 18px}.footer-col ul li{margin-bottom:10px}.footer-col a,.footer-col li{color:#ffffffa6;font-size:14.5px}.footer-col a:hover{color:var(--white)}.footer-social{display:flex;gap:14px}.footer-social a{color:#ffffffa6;display:inline-flex}.footer-social a:hover{color:var(--white)}.footer-bottom{margin-top:56px;border-top:1px solid rgba(255,255,255,.12);padding:22px 0;display:flex;align-items:center;justify-content:space-between;gap:16px;font-size:13px;color:#fff6}.footer-bottom a{color:#ffffff80}.footer-bottom a:hover{color:#ffffffd9}.footer-bottom .legal{display:flex;gap:18px}.reveal{opacity:0;transform:translateY(20px);transition:opacity .7s ease,transform .7s ease}.reveal--left{opacity:0;transform:translate(-70px);transition:opacity .8s ease,transform .8s ease}.reveal--right{opacity:0;transform:translate(70px);transition:opacity .8s ease,transform .8s ease}.reveal.in,.reveal--left.in,.reveal--right.in{opacity:1;transform:none}@media (prefers-reduced-motion: reduce){.reveal,.reveal--left,.reveal--right{opacity:1;transform:none;transition:none}.press__track{animation:none}.lva-card .fade-up,.row-fade{animation:none;opacity:1}html{scroll-behavior:auto}}@media (max-width: 1024px){.hero__grid{grid-template-columns:1fr;gap:40px}.report-mock{margin:0 auto}.stat-cols,.steps,.trust-cards{grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:1fr 1fr;gap:32px}}@media (max-width: 768px){.section{padding:56px 0}h2{font-size:26px}.hero h1{font-size:30px}.hero{padding:64px 0}.report-mock,.nav__links,.nav__cta .btn{display:none}.nav__toggle{display:flex}.nav__links.open{display:flex;flex-direction:column;gap:0;position:absolute;top:var(--nav-h);left:0;right:0;background:var(--white);padding:8px 24px 20px;box-shadow:0 12px 24px #1e4d8c1f}.nav__links.open .nav__link{padding:14px 0;border-bottom:1px solid #eef2f8;width:100%}.stat-cols,.steps,.trust-cards,.feature-grid,.plans{grid-template-columns:1fr}.hero__cta .btn,.cta-final .btn{width:100%}.footer-grid{grid-template-columns:1fr}.footer-bottom{flex-direction:column;text-align:center}}@media (max-width: 480px){.hero h1{font-size:27px}h2{font-size:24px}.stat-card__num,.big-loss{font-size:32px}.section{padding:48px 0}}.hero--center .hero__grid{grid-template-columns:1fr;text-align:center}.hero--center .hero__sub{margin-left:auto;margin-right:auto}.hero--center .hero__cta{justify-content:center}.hero__area{font-size:14.5px;color:#ffffffc7;margin:20px 0 0;max-width:560px}.hero--center .hero__area{margin-left:auto;margin-right:auto}.ladder{background:var(--white);color:var(--text-dark);border-radius:14px;box-shadow:0 20px 40px #00000047;padding:24px 24px 22px;max-width:420px;margin-left:auto;width:100%;transform:perspective(800px) rotateY(-8deg) rotateX(3deg);transition:transform .6s ease}.ladder:hover{transform:perspective(800px) rotateY(-4deg) rotateX(1deg)}.ladder__head{display:flex;align-items:center;gap:10px;margin-bottom:16px}.ladder__shield{flex:none;width:26px;height:26px}.ladder__title{font-family:var(--font-head);font-weight:700;font-size:15px;color:var(--navy);margin:0}.ladder__sub{font-size:11px;text-transform:uppercase;letter-spacing:1px;color:var(--text-gray-light);font-weight:700;margin:2px 0 0}.ladder__rows{display:flex;flex-direction:column;gap:9px}.ladder__row{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:10px 14px;border-radius:8px;border-left:3px solid var(--text-gray-light)}.ladder__row .lvl{display:inline-block;font-family:var(--font-body);font-weight:700;font-size:9.5px;letter-spacing:.8px;text-transform:uppercase;padding:4px 9px;border-radius:14px;flex:none}.ladder__row .txt{font-size:11.5px;color:var(--text-gray);text-align:right}.ladder__row--strongest{background:#1b7a3d14;border-left-color:var(--success-green)}.ladder__row--strongest .lvl{color:var(--success-green);background:#1b7a3d24}.ladder__row--strong{background:#1e4d8c12;border-left-color:var(--navy)}.ladder__row--strong .lvl{color:var(--navy);background:#1e4d8c1f}.ladder__row--fair{background:#8b691414;border-left-color:#8b6914}.ladder__row--fair .lvl{color:#8b6914;background:#8b691429}.ladder__row--weakest{background:#c0392b12;border-left-color:var(--alert-red)}.ladder__row--weakest .lvl{color:var(--alert-red);background:#c0392b1f}.ladder__note{font-size:12.5px;color:var(--text-gray);margin:14px 0 0;padding-top:13px;border-top:1px solid #eef2f8}.quote-card{background:var(--white);color:var(--text-dark);border-radius:14px;box-shadow:0 20px 40px #00000047;overflow:hidden;max-width:420px;margin-left:auto;width:100%}.quote-card__bar{background:var(--navy);color:var(--white);padding:14px 20px;font-family:var(--font-head);font-weight:600;font-size:15px;display:flex;align-items:center;gap:10px}.quote-card__bar .dot{width:9px;height:9px;border-radius:50%;background:var(--gold)}.quote-card__body{padding:20px 22px 22px}.quote-card__meta{font-size:11px;text-transform:uppercase;letter-spacing:1px;color:var(--text-gray-light);font-weight:700;margin:0 0 4px}.quote-card__home{font-family:var(--font-head);font-weight:600;color:var(--navy);font-size:14px;margin:0 0 14px}.quote-opt{display:flex;align-items:center;justify-content:space-between;padding:12px 0;border-top:1px solid #eef2f8}.quote-opt__name{font-size:13.5px;color:var(--text-dark);font-weight:600}.quote-opt__name small{display:block;color:var(--text-gray);font-size:11.5px;font-weight:400}.quote-opt__price{font-family:var(--font-head);font-weight:700;color:var(--navy);font-size:19px}.quote-opt--feature .quote-opt__price{color:var(--navy)}.statement-band{background:var(--white)}.statement{max-width:900px;margin:0 auto;text-align:left;background:var(--light-blue-alt);border-left:5px solid var(--gold);border-radius:12px;padding:28px 34px;font-family:var(--font-head);font-size:22px;color:var(--navy);line-height:1.5}.tier-list{max-width:840px;margin:0 auto;display:flex;flex-direction:column;gap:16px}.tier{display:flex;gap:22px;align-items:flex-start;background:var(--white);border-radius:var(--radius-card);padding:24px 26px;box-shadow:var(--shadow-card);border:1px solid rgba(30,77,140,.08);border-left:5px solid var(--text-gray-light)}.tier__rank{display:inline-block;align-self:flex-start;flex:none;min-width:92px;text-align:center;font-family:var(--font-body);font-weight:700;font-size:11px;letter-spacing:1px;text-transform:uppercase;padding:6px 12px;border-radius:20px}.tier__body h3{font-size:16px;margin-bottom:6px}.tier__body p{font-size:15px;color:var(--text-gray);margin:0}.tier--strongest{border-left-color:var(--success-green)}.tier--strongest .tier__rank{color:var(--success-green);background:#1b7a3d1f}.tier--strong{border-left-color:var(--navy)}.tier--strong .tier__rank{color:var(--navy);background:#1e4d8c1f}.tier--fair{border-left-color:#8b6914}.tier--fair .tier__rank{color:#8b6914;background:#8b691424}.tier--weakest{border-left-color:var(--alert-red)}.tier--weakest .tier__rank{color:var(--alert-red);background:#c0392b1f}.duo{display:grid;grid-template-columns:1fr 1fr;gap:26px;max-width:920px;margin:0 auto}.duo__card{background:var(--white);border-radius:var(--radius-card);padding:32px 30px;box-shadow:var(--shadow-card);border:1px solid rgba(30,77,140,.08);border-top:4px solid var(--mid-blue)}.duo__card .duo__tag{font-family:var(--font-body);font-weight:700;font-size:12px;letter-spacing:2px;text-transform:uppercase;color:var(--gold);margin:0 0 6px}.duo__card h3{font-size:17px;margin:2px 0 14px}.duo__card p{font-size:15px;color:var(--text-gray)}.duo__card p:last-child{margin-bottom:0}.table-scroll{overflow-x:auto;max-width:760px;margin:0 auto}.data-table{width:100%;border-collapse:collapse;background:var(--white);border-radius:var(--radius-card);overflow:hidden;box-shadow:var(--shadow-card)}.data-table th,.data-table td{padding:16px 22px;text-align:left}.data-table thead th{background:var(--navy);color:var(--white);font-family:var(--font-body);font-size:12.5px;text-transform:uppercase;letter-spacing:1px;font-weight:700}.data-table tbody tr:nth-child(2n){background:#eef4fb}.data-table tbody td{font-size:15px;color:var(--text-dark)}.data-table tbody td.cap{font-weight:600;color:var(--text-dark);white-space:nowrap}.data-table tbody td.applies{color:var(--navy)}.metric-band{display:flex;justify-content:center;flex-wrap:wrap;gap:28px 56px;max-width:1000px;margin:0 auto}.metric{flex:0 1 280px;max-width:300px;text-align:center;padding:0}.metric__num{font-family:var(--font-head);font-weight:600;font-size:52px;line-height:1.1;color:var(--navy);margin-bottom:8px}.metric__num.red{color:var(--alert-red)}.metric__lbl{font-size:15px;line-height:1.5;color:var(--text-gray);margin:0 auto;max-width:280px}.metric__lbl{font-size:14.5px;color:var(--text-gray);margin:12px 0 0}.trigger-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;max-width:1040px;margin:0 auto}.trigger-item{display:flex;gap:12px;align-items:flex-start;background:var(--white);border-radius:var(--radius-card);padding:20px 22px;box-shadow:var(--shadow-card);border:1px solid rgba(30,77,140,.08)}.trigger-item .dot{flex:none;width:10px;height:10px;border-radius:50%;background:var(--gold);margin-top:7px}.trigger-item p{margin:0;color:var(--text-dark);font-size:15px}.loss-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;max-width:800px;margin:0 auto}.loss-stat{background:var(--white);border-radius:var(--radius-card);padding:28px 22px;text-align:center;box-shadow:var(--shadow-card);border:1px solid rgba(30,77,140,.08)}.loss-stat__lbl{font-size:11.5px;text-transform:uppercase;letter-spacing:1px;color:var(--text-gray-light);font-weight:700;margin:0 0 10px}.loss-stat__num{font-family:var(--font-head);font-weight:700;font-size:34px;line-height:1}.loss-stat--stolen .loss-stat__num{color:var(--navy)}.loss-stat--paid .loss-stat__num,.loss-stat--lost .loss-stat__num{color:var(--alert-red)}.story-lead{max-width:760px;margin:0 auto}.story-lead p{color:var(--text-dark)}.story-collapse{max-width:760px;margin:0 auto;max-height:0;overflow:hidden;transition:max-height .6s ease}.story-collapse p{color:var(--text-dark)}.story-collapse p:last-child{margin-bottom:0}.read-wrap{text-align:center;margin-top:26px}.read-btn{display:inline-flex;align-items:center;gap:10px;background:var(--gold);border:1.5px solid var(--gold);color:var(--navy);font-family:var(--font-body);font-weight:600;font-size:15px;padding:12px 26px;border-radius:var(--radius-btn);cursor:pointer;transition:background .2s ease,transform .2s ease,box-shadow .2s ease}.read-btn:hover{background:var(--gold-hover);transform:translateY(-1px);box-shadow:0 8px 20px #f5c40059}.read-btn .arrow{transition:transform .3s ease;font-size:11px}.read-btn.active .arrow{transform:rotate(180deg)}.price-tool{max-width:960px;margin:0 auto}.price-step__label{text-align:center;font-family:var(--font-head);font-weight:700;font-size:18px;color:var(--navy);margin:0 0 6px}.price-step__hint{text-align:center;font-size:14.5px;color:var(--text-gray);margin:0 0 18px}.membership-tabs{display:flex;gap:12px;justify-content:center;flex-wrap:wrap;margin-bottom:14px}.tab-btn{display:inline-flex;align-items:center;gap:10px;padding:13px 22px;border-radius:10px;border:1.5px solid var(--light-blue);background:var(--white);color:var(--navy);font-family:var(--font-body);font-weight:600;font-size:15px;cursor:pointer;transition:background .2s ease,color .2s ease,border-color .2s ease}.tab-btn .radio-dot{width:16px;height:16px;border-radius:50%;border:2px solid var(--light-blue);display:inline-flex;align-items:center;justify-content:center;transition:border-color .2s ease}.tab-btn:hover,.tab-btn.active{background:var(--navy);color:var(--white);border-color:var(--navy)}.tab-btn:hover .radio-dot,.tab-btn.active .radio-dot{border-color:var(--white)}.tab-btn.active .radio-dot:after{content:"";width:8px;height:8px;border-radius:50%;background:var(--white)}.tab-hint{text-align:center;font-size:14.5px;color:var(--text-gray);max-width:640px;margin:0 auto 8px;min-height:22px}.step2-label{text-align:center;font-family:var(--font-head);font-weight:700;color:var(--navy);font-size:17px;margin:28px 0 18px}.cards-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.price-card{background:var(--white);border-radius:var(--radius-card);padding:26px 18px;text-align:center;box-shadow:var(--shadow-card);border:1px solid rgba(30,77,140,.08);transition:transform .2s ease,box-shadow .2s ease}.price-card:hover{transform:translateY(-3px);box-shadow:var(--shadow-card-hover)}.price-card .sq-range{font-family:var(--font-head);font-weight:700;font-size:15.5px;color:var(--navy);margin:0 0 12px;min-height:40px;display:flex;align-items:center;justify-content:center}.price-card .starting{font-size:11px;text-transform:uppercase;letter-spacing:1px;color:var(--text-gray-light);font-weight:700;margin:0}.price-card .original-price{font-size:14px;color:var(--text-gray-light);text-decoration:line-through;min-height:18px;margin:2px 0}.price-card .current-price{font-family:var(--font-head);font-weight:700;font-size:30px;color:var(--navy);display:block;line-height:1}.price-card .home-type{font-size:12.5px;color:var(--text-gray);margin:12px 0 0}.price-note{text-align:center;font-size:14px;color:var(--text-gray);margin:22px auto 0;max-width:640px}.math-duo{display:grid;grid-template-columns:1fr 1fr;gap:26px;max-width:820px;margin:0 auto 28px}.math-card{background:var(--white);border-radius:var(--radius-card);padding:32px 30px;text-align:center;box-shadow:var(--shadow-card);border:1px solid rgba(30,77,140,.08);border-top:4px solid var(--text-gray-light)}.math-card--bad{border-top-color:var(--alert-red)}.math-card--good{border-top-color:var(--success-green)}.math-card p{font-size:14.5px;color:var(--text-gray);margin:0}.math-card .math-card__tag{font-size:12px;text-transform:uppercase;letter-spacing:1.5px;font-weight:700;margin:0 0 12px}.math-card--bad .math-card__tag{color:var(--alert-red)}.math-card--good .math-card__tag{color:var(--success-green)}.math-card .math-card__big{font-family:var(--font-head);font-weight:700;font-size:36px;line-height:1.15;margin:0 0 14px;color:var(--navy)}.math-note{max-width:820px;margin:0 auto;text-align:center;color:var(--text-gray);font-size:15px;line-height:1.6}.table-scroll--wide{overflow-x:auto;max-width:920px;margin:0 auto}.compare-table{width:100%;border-collapse:collapse;min-width:660px;background:var(--white);border-radius:var(--radius-card);overflow:hidden;box-shadow:var(--shadow-card)}.compare-table thead th{background:var(--navy);color:var(--white);padding:15px 18px;text-align:left;font-family:var(--font-body);font-size:12px;text-transform:uppercase;letter-spacing:.5px;font-weight:700}.compare-table tbody td{padding:16px 18px;border-top:1px solid #eef2f8;font-size:14.5px;vertical-align:top}.compare-table .svc{font-weight:600;color:var(--navy)}.compare-table .svc small{display:block;font-weight:400;color:var(--text-gray);font-size:13px;margin-top:4px}.compare-table .free{color:var(--text-dark);font-weight:400}.compare-table tbody tr:nth-child(2n){background:#eef4fb}.compare-table tbody td{border-top:none}.doc-cols{display:grid;grid-template-columns:repeat(3,1fr);gap:40px;max-width:1100px;margin:0 auto 28px}.doc-col{padding:0}.doc-col h3{font-size:16px;margin-bottom:14px;color:var(--navy)}.doc-col ul li{display:flex;gap:11px;align-items:flex-start;padding:11px 0;font-size:14.5px;color:var(--text-dark);border-bottom:1px solid #eef2f8}.doc-col ul li:last-child{border-bottom:none}.doc-col .tick{color:var(--success-green);flex:none;margin-top:2px}.doc-col .xmark{color:var(--alert-red);flex:none;margin-top:2px}.founder{max-width:440px;margin-left:auto;width:100%}.founder__frame{border-radius:14px;box-shadow:0 20px 40px #00000047;overflow:hidden;transform:perspective(800px) rotateY(-8deg) rotateX(3deg);transition:transform .6s ease}.founder__frame:hover{transform:perspective(800px) rotateY(-4deg) rotateX(1deg)}.founder__frame img{border-radius:14px;width:100%;display:block}.founder__placeholder{aspect-ratio:4 / 3;border-radius:8px;background:linear-gradient(135deg,#d6e4f7,#bcd2ef);display:flex;align-items:center;justify-content:center;color:var(--navy);font-family:var(--font-head);font-weight:600;text-align:center;padding:24px;font-size:15px}.founder__caption{text-align:center;font-size:13.5px;color:#ffffffc7;margin:14px 0 0}.signature{max-width:760px;margin:6px auto 0}.signature__rule{width:48px;height:3px;background:var(--gold);margin:0 0 12px;border:none}.signature__name{font-family:var(--font-head);font-weight:700;font-size:20px;color:var(--navy);margin:0}.signature__role{font-size:14.5px;color:var(--text-gray);margin:2px 0 0}.steps--four{grid-template-columns:repeat(4,1fr);gap:20px}.steps--four .step{padding:30px 24px}.contact-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:34px;align-items:start}.contact-card{background:var(--white);border-radius:var(--radius-card);padding:36px 34px;box-shadow:var(--shadow-card);border:1px solid rgba(30,77,140,.08)}.contact-card__head{font-size:23px;margin-bottom:6px}.contact-card__sub{font-size:14.5px;color:var(--text-gray);margin-bottom:22px}.form-field{margin-bottom:16px}.form-field label{display:block;font-size:13.5px;font-weight:600;color:var(--navy);margin-bottom:6px}.form-field input,.form-field select{width:100%;padding:12px 14px;border:1.5px solid var(--light-blue);border-radius:var(--radius-btn);font-family:var(--font-body);font-size:15px;color:var(--text-dark);background:var(--white);transition:border-color .2s ease}.form-field input:focus,.form-field select:focus{outline:none;border-color:var(--mid-blue)}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}.consent{display:flex;gap:10px;align-items:flex-start;margin-bottom:14px;font-size:12px;color:var(--text-gray);line-height:1.5}.consent input{margin-top:3px;flex:none;width:16px;height:16px}.contact-form .btn{width:100%;margin-top:8px}.form-note{font-size:12.5px;color:var(--text-gray-light);margin:14px 0 0;text-align:center}.contact-info{background:var(--white);border-radius:var(--radius-card);padding:34px 32px;box-shadow:var(--shadow-card);border:1px solid rgba(30,77,140,.08)}.contact-info h2{font-size:22px;margin-bottom:18px}.info-row{padding:14px 0;border-top:1px solid #eef2f8}.info-row:first-of-type{border-top:none;padding-top:0}.info-row__label{font-size:11.5px;text-transform:uppercase;letter-spacing:1px;color:var(--text-gray-light);font-weight:700;margin:0 0 4px}.info-row__val{font-size:15.5px;color:var(--text-dark);margin:0}.info-row__val a{color:var(--mid-blue);font-weight:600}.contact-map{margin-top:22px;border-radius:var(--radius-card);overflow:hidden;box-shadow:var(--shadow-card)}.contact-map img{width:100%;display:block}.legal{max-width:800px;margin:0 auto}.legal h2{font-size:24px;margin:36px 0 12px}.legal h3{font-size:18px;margin:24px 0 8px}.legal p,.legal li{color:var(--text-dark);font-size:16px}.legal ul{margin:0 0 1rem;padding-left:22px;list-style:disc}.legal li{margin-bottom:8px}.legal__updated{color:var(--text-gray);font-size:14.5px;margin-bottom:8px}.notfound{background:var(--hero-gradient);color:var(--white);min-height:calc(100vh - var(--nav-h));display:flex;align-items:center;text-align:center;padding:80px 0}.notfound__code{font-family:var(--font-head);font-weight:700;font-size:120px;line-height:1;color:var(--gold);margin:0}.notfound h1{color:var(--white);font-size:38px;margin:8px 0 18px}.notfound p{color:#ffffffd9;max-width:600px;margin:0 auto 30px;font-size:18px}.notfound__links{display:flex;flex-wrap:wrap;gap:14px;justify-content:center}.notfound__sub{margin-top:26px}.notfound__sub .btn{font-size:16px;padding:16px 38px}@media (max-width: 480px){.notfound__code{font-size:88px}.notfound h1{font-size:28px}.notfound__links .btn{width:100%}}@media (max-width: 1024px){.ladder,.quote-card,.founder{margin:0 auto}.cards-grid,.steps--four{grid-template-columns:1fr 1fr}.contact-grid{grid-template-columns:1fr}}@media (max-width: 768px){.duo,.math-duo,.cards-grid,.doc-cols,.metric-band,.loss-stats,.trigger-grid,.steps--four{grid-template-columns:1fr}.tier{flex-direction:column;gap:6px}.tier__rank{min-width:0}.statement{font-size:18px}.form-row{grid-template-columns:1fr}}.lva-card{background:#fff;border-radius:12px;width:100%;overflow:hidden;transform:perspective(800px) rotateY(-8deg) rotateX(3deg);transition:transform .6s;filter:drop-shadow(0 20px 40px rgba(0,0,0,.3));max-width:330px;margin-left:auto}.lva-card:hover{transform:perspective(800px) rotateY(-4deg) rotateX(1deg)}.lva-header{background:#1e4d8c;padding:13px 15px;display:flex;align-items:center;gap:14px}.lva-logo-ring{width:30px;height:30px;border-radius:50%;border:2.5px solid #e8c830;display:flex;align-items:center;justify-content:center;flex-shrink:0}.lva-logo-dot{width:12px;height:12px;border-radius:50%;border:2px solid #f5c400;background:#f5c400}.lva-header-text span{font-family:Playfair Display,serif;font-size:14px;color:#fff;font-weight:600;letter-spacing:.2px}.lva-header-text p{font-size:8px;color:#ffffff80;letter-spacing:.6px;text-transform:uppercase;margin-top:3px}.lva-body{padding:15px 15px 0}.lva-section{margin-bottom:18px}.lva-section-title{font-family:Playfair Display,serif;font-size:12px;font-weight:600;color:#1e4d8c;margin-bottom:8px}.lva-accent{width:34px;height:3px;background:#f5c400;border-radius:2px;margin-bottom:6px}.lva-text-block{display:flex;flex-direction:column;gap:7px}.lva-line{height:8px;background:#e4eaf5;border-radius:4px}.lva-line.short{width:45%}.lva-line.med{width:72%}.lva-line.long{width:100%}.lva-photos{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}.lva-photo{aspect-ratio:4 / 2;background:#d6e4f5;border-radius:8px;border:1px solid #c0d4ea;display:flex;align-items:center;justify-content:center;cursor:pointer;transition:background .15s}.lva-photo:hover{background:#c0d4ea}.lva-photo svg{opacity:.45}.lva-table-wrap{border-radius:8px;overflow:hidden;border:1px solid #d6e4f5}.lva-table{width:100%;border-collapse:collapse;table-layout:fixed}.lva-table thead tr{background:#1e4d8c}.lva-table thead th{color:#fff;font-size:8px;font-weight:600;letter-spacing:.8px;text-transform:uppercase;padding:7px 10px;text-align:left}.lva-table tbody tr{border-bottom:.5px solid #e4eaf5}.lva-table tbody tr:last-child{border-bottom:none}.lva-table tbody tr:nth-child(2n){background:#f5f8fd}.lva-table tbody td{padding:7px 10px;font-size:13px;color:#1a3560}.lva-add-btn{display:flex;align-items:center;gap:8px;margin-top:12px;padding:9px 14px;border:1.5px dashed #c0d4ea;border-radius:8px;cursor:pointer;color:#4a6fa5;font-size:13px;font-weight:500;background:transparent;font-family:inherit;transition:background .15s;width:100%}.lva-add-btn:hover{background:#f0f6ff}.lva-add-icon{width:18px;height:18px;border-radius:50%;background:#e8c830;display:flex;align-items:center;justify-content:center;font-size:14px;color:#1a3560;font-weight:700;line-height:1;flex-shrink:0}@keyframes lvaFadeUp{0%{opacity:0;transform:translateY(22px)}to{opacity:1;transform:translateY(0)}}.lva-card .fade-up{opacity:0;animation:.55s cubic-bezier(.22,.61,.36,1) 0s 1 normal forwards lvaFadeUp}.lva-card .d-1{animation-delay:.08s}.lva-card .d-2{animation-delay:.16s}.lva-card .d-3{animation-delay:.24s}.lva-card .d-4{animation-delay:.32s}.lva-card .d-8{animation-delay:.64s}.lva-card .d-9{animation-delay:.72s}.lva-card .d-10{animation-delay:.8s}.lva-card .d-11{animation-delay:.88s}.lva-card .d-12{animation-delay:.96s}@keyframes lvaRowIn{0%{opacity:0;transform:translateY(12px)}to{opacity:1;transform:translateY(0)}}.row-fade{animation:.4s cubic-bezier(.22,.61,.36,1) 0s 1 normal forwards lvaRowIn}.modal-overlay{display:none;position:fixed;inset:0;background:#00000080;z-index:100;align-items:center;justify-content:center}.modal-overlay.active{display:flex}.modal{background:#fff;border-radius:12px;padding:24px;width:90%;max-width:380px;box-shadow:0 20px 60px #0000004d}.modal h2{font-family:Playfair Display,serif;font-size:17px;color:#1a3560;margin-bottom:16px}.modal label{display:block;font-size:11px;color:#8da3c0;text-transform:uppercase;letter-spacing:.5px;margin-bottom:4px}.modal input{width:100%;padding:9px 12px;border:1px solid #c0d4ea;border-radius:6px;font-size:14px;color:#1a3560;font-family:inherit;margin-bottom:14px;outline:none;transition:border-color .15s}.modal input:focus{border-color:#1a3560}.modal-actions{display:flex;gap:10px;justify-content:flex-end;margin-top:4px}.btn-cancel{padding:8px 16px;border:1px solid #c0d4ea;border-radius:6px;background:transparent;color:#4a6fa5;font-size:13px;font-family:inherit;cursor:pointer}.btn-save{padding:8px 16px;border:none;border-radius:6px;background:#1a3560;color:#e8c830;font-size:13px;font-weight:600;font-family:inherit;cursor:pointer}@media (max-width: 1024px){.lva-card{margin:0 auto}}.hero-map{max-width:460px;margin:0 0 0 auto}.hero-map img{width:100%;height:auto;border-radius:14px;box-shadow:0 20px 40px #00000047;display:block}.hero-map figcaption{margin-top:12px;font-size:12.5px;font-style:italic;color:#ffffffbf;text-align:center}@media (max-width: 900px){.hero-map{margin:0 auto}}.num-group{text-align:center;margin:0 auto 46px;max-width:1040px}.num-group__title{font-family:var(--font-head);font-size:18px;font-weight:600;color:var(--navy);margin:0 0 22px}.num-row{display:flex;justify-content:center;flex-wrap:wrap;gap:28px 56px}.num{flex:0 1 280px;max-width:320px;text-align:center}.num--wide{flex-basis:100%;max-width:760px}.num__val{font-family:var(--font-head);font-weight:600;font-size:52px;line-height:1.1;color:var(--navy);margin-bottom:8px}.num__val--red{color:var(--alert-red)}.num__val--big{font-size:72px}.num__lbl{font-size:15px;line-height:1.5;color:var(--text-gray);margin:0 auto;max-width:300px}.num--wide .num__lbl{max-width:520px}.num-callout{background:var(--white);border-radius:14px;box-shadow:var(--shadow-card);padding:28px 36px;max-width:1040px;margin:8px auto 0}.num-callout p{margin:0 0 12px;font-size:16px;line-height:1.6}.num-callout p:first-child{color:var(--navy);font-weight:500}.num-callout p:last-child{color:var(--text-gray);margin-bottom:0}@media (max-width: 768px){.num__val{font-size:42px}.num__val--big{font-size:54px}.num-callout{padding:22px}}
