:root{--wine:#792342;--ink:#25242a;--muted:#625f67;--line:#dedbe0;--light:#f5f3f6}*{box-sizing:border-box}html{scroll-padding-top:100px}body{margin:0;color:var(--ink);font-family:Arial,Helvetica,sans-serif;font-size:16px;line-height:1.75;background:white}a{color:inherit;text-underline-offset:5px}a:hover{color:var(--wine)}a:focus-visible,button:focus-visible,summary:focus-visible{outline:3px solid #b35476;outline-offset:5px}button{font:inherit}p{margin:0 0 1.2rem;color:var(--muted)}h1,h2,h3{margin:0 0 1.2rem;line-height:1.13;letter-spacing:-.035em}h1,h2{font-family:Georgia,'Times New Roman',serif;font-weight:400}h1{font-size:clamp(44px,5.2vw,76px)}h2{font-size:clamp(32px,3.1vw,46px)}h3{font-size:23px;font-weight:500}img{display:block;max-width:100%}.wrap{width:min(1220px,calc(100% - 64px));margin-inline:auto}.top{background:var(--wine);color:#fff;font-size:12px;padding:9px 0}.top .wrap{display:flex;justify-content:space-between;gap:20px}.top a{text-decoration:none}.top a:hover{color:#f1cddd}header{position:sticky;top:0;z-index:20;background:#fffffff7;border-bottom:1px solid var(--line)}.header{display:flex;align-items:center;justify-content:space-between;gap:22px;min-height:96px}.brand{display:flex;align-items:center;gap:12px;text-decoration:none;white-space:nowrap}.mark{display:flex;align-items:center;justify-content:center;background:var(--wine);color:white;width:44px;height:48px;font-family:Georgia,serif;font-size:28px;letter-spacing:-5px;padding-right:5px}.mark span{font-size:24px;transform:translateY(5px)}.brand-name{font-weight:700;font-size:19px;letter-spacing:-.6px}.brand-name small{display:block;font-weight:400;letter-spacing:1px;font-size:12px}.header nav{display:flex;gap:20px;font-size:14px}.header nav a{text-decoration:none;white-space:nowrap}.header nav a[aria-current]{color:var(--wine);text-decoration:underline}.header-phone{font-size:14px;white-space:nowrap;border-bottom:2px solid var(--wine);font-weight:700;text-decoration:none}.menu{display:none}.hero{padding-top:60px;padding-bottom:50px}.eyebrow{font-size:12px;letter-spacing:1.7px;font-weight:700;color:var(--wine);margin-bottom:18px}.hero h1{font-size:clamp(45px,5.7vw,83px);max-width:1080px;line-height:1.06;margin-bottom:40px}.hero h1 em{color:var(--wine);font-weight:400}.hero-bottom{display:grid;grid-template-columns:1.05fr 1fr;gap:64px;align-items:center}.hero-photo{position:relative}.hero-photo img{width:100%;height:350px;object-fit:cover}.hero-photo>span{position:absolute;bottom:0;left:0;background:var(--wine);color:white;padding:12px 20px;font-family:Georgia,serif;font-size:21px}.lead{font-size:21px;line-height:1.65;max-width:790px}.hero-copy .lead{font-size:22px;color:var(--ink)}.button{display:inline-flex;align-items:center;justify-content:center;background:var(--wine);color:white;padding:15px 25px;min-height:54px;text-decoration:none;font-size:16px;font-weight:700;border:1px solid var(--wine)}.button:hover{background:#5a1630;color:white}.secondary{display:block;margin-top:17px;font-size:14px;font-weight:500}.facts{display:grid;grid-template-columns:1fr 1.5fr 1.3fr;border-block:1px solid var(--line);padding:25px 0;gap:24px}.facts strong{display:block;font-size:14px;color:var(--wine);margin-bottom:3px}.facts span{font-size:14px;color:var(--muted)}.section{padding:85px 0}.section.compact{padding-top:20px}.section-head{max-width:780px;margin-bottom:34px}.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:0;border-block:1px solid var(--line)}.card{display:flex;flex-direction:column;padding:28px 24px;text-decoration:none;border-right:1px solid var(--line)}.card:first-child{border-left:1px solid var(--line)}.card:hover{background:var(--light)}.num{font-size:14px;color:var(--wine);font-weight:700;margin-bottom:38px}.card h3{font-family:Georgia,serif;font-size:27px}.card p{font-size:16px}.card-link{font-size:14px;text-decoration:underline;margin-top:auto;color:var(--wine)}.dark{background:var(--ink);color:white}.dark h2{color:white}.dark p{color:#d2ccd6}.dark .eyebrow{color:#f1abc4}.split{display:grid;grid-template-columns:1fr 1fr;gap:90px;align-items:start}.numbered article{display:flex;gap:23px;padding:21px 0;border-bottom:1px solid #55505b}.numbered article:first-child{padding-top:0}.numbered article>span{font-size:14px;color:#f1abc4}.numbered h3{font-size:23px}.numbered p{margin-bottom:0}.contact-box{background:var(--light);padding:37px;border-top:4px solid var(--wine)}.large-phone{font-size:clamp(28px,3.2vw,44px);font-family:Georgia,serif;text-decoration:none;display:block;line-height:1.3;margin-bottom:18px;letter-spacing:-1px}.contact-box>a:not(.large-phone){display:block;overflow-wrap:anywhere}.contact-box p:not(.eyebrow){margin-top:24px}.text-link{display:inline-block;font-size:16px;font-weight:700}.top-rule{border-top:1px solid var(--line)}.faqs{margin:30px 0}.faqs details{border-top:1px solid var(--line)}.faqs details:last-child{border-bottom:1px solid var(--line)}summary{list-style:none;cursor:pointer;padding:22px 38px 22px 0;font-size:18px;position:relative;font-weight:500}summary::-webkit-details-marker{display:none}summary:after{content:'+';position:absolute;right:7px;font-size:26px;top:14px;color:var(--wine)}details[open] summary:after{content:'−'}.faqs p{max-width:930px;padding-right:30px;font-size:16px}.closing{background:var(--wine);color:white;padding:45px 48px;display:flex;align-items:center;justify-content:space-between;gap:40px;margin-bottom:75px}.closing .eyebrow,.closing p{color:#f1dce4}.closing h2{color:white}.closing .button{border-color:white;background:white;color:var(--wine);white-space:nowrap}.closing p:last-child{margin-bottom:0}.intro{padding-top:65px;padding-bottom:40px;border-bottom:1px solid var(--line);margin-bottom:35px}.intro h1{max-width:990px}.intro .lead{margin-top:25px}.content-grid{display:grid;grid-template-columns:1.5fr 1fr;gap:75px;align-items:start;padding-bottom:55px}.article{padding:25px 0;border-bottom:1px solid var(--line)}.article:first-child{padding-top:0}.article h2{font-size:32px}.article p{font-size:17px}.sidebar{background:var(--light);padding:30px;border-left:3px solid var(--wine)}.sidebar h2{font-size:30px}.sidebar ul{padding-left:22px;margin-bottom:28px}.sidebar li{margin:12px 0;color:var(--muted)}.small{font-size:13px}.sidebar .small{margin:18px 0 0}.sidebar .button{font-size:14px;padding:14px 17px}.notice{background:var(--light);padding:28px 34px;border-left:3px solid var(--wine);margin-bottom:55px}.notice h2{font-size:29px}.notice p:last-child{margin:0}.reading{max-width:880px;padding-bottom:70px}.reading .article{padding:28px 0}.contact-layout{display:grid;grid-template-columns:1.4fr 1fr;gap:75px;padding-bottom:55px}.contact-primary{padding:20px 0}.email{font-size:23px;overflow-wrap:anywhere;display:inline-block;margin-bottom:18px}hr{border:0;border-top:1px solid var(--line);margin:30px 0}footer{background:var(--light);padding:60px 0 26px}.footer-grid{display:grid;grid-template-columns:1.4fr .7fr 1fr;gap:60px;padding-bottom:35px}.footer-grid h2{font-family:Arial,sans-serif;font-size:16px;font-weight:700;letter-spacing:0}.footer-grid .brand{margin-bottom:24px}.footer-grid>div>a:not(.brand){display:block;font-size:14px;margin:8px 0;overflow-wrap:anywhere;text-decoration:none}.footer-grid p{font-size:14px}.fineprint{border-block:1px solid var(--line);padding:23px 0;color:var(--muted);font-size:13px}.bottom{display:flex;justify-content:space-between;font-size:12px;padding-top:24px;gap:20px}.bottom div{display:flex;gap:22px}.mobile-call{display:none}.skip{position:fixed;top:-100px;background:var(--ink);color:white;padding:12px;z-index:99}.skip:focus{top:10px;left:10px}
@media(max-width:1100px){.header{flex-wrap:wrap;gap:18px;padding:15px 0;min-height:82px}.header-phone{margin-left:auto}.menu:not([hidden]){display:block;order:3;background:white;border:1px solid var(--line);padding:8px 14px;font-size:14px}.header nav{order:4;flex-basis:100%;flex-wrap:wrap;padding:12px 0}.js nav{display:none}.js nav.open{display:flex}.hero-bottom{gap:35px}.hero-photo img{height:380px}.cards{grid-template-columns:repeat(2,1fr);border-bottom:0}.card{border-bottom:1px solid var(--line)}.card:nth-child(3){border-left:1px solid var(--line)}.split{gap:50px}.footer-grid{gap:30px}.content-grid,.contact-layout{gap:40px}.closing{padding:35px}.closing h2{font-size:35px}}
@media(max-width:700px){body{padding-bottom:84px}.wrap{width:calc(100% - 36px)}.top{font-size:12px}.top .wrap{justify-content:center}.top a{display:none}.header{min-height:80px;gap:10px}.brand-name{font-size:17px}.brand-name small{font-size:12px;letter-spacing:.3px}.mark{width:36px;height:41px;font-size:25px}.header-phone{display:none}.menu{margin-left:auto}.hero{padding-top:34px;padding-bottom:35px}.hero h1{font-size:clamp(39px,10vw,64px);margin-bottom:28px}.eyebrow{font-size:12px;letter-spacing:.7px}.hero-bottom{grid-template-columns:1fr;gap:25px}.hero-photo img{height:255px}.hero-photo>span{font-size:19px;padding:9px 15px}.hero-copy .lead,.lead{font-size:19px}.button{font-size:15px;padding:14px 22px}.hero-copy .button{width:100%}.facts{grid-template-columns:1fr;gap:18px;padding:25px 0}.section{padding:50px 0}.cards{grid-template-columns:1fr}.card{border-left:1px solid var(--line);padding:25px}.num{margin-bottom:17px}.card h3{font-size:28px}.split{grid-template-columns:1fr;gap:32px}.contact-box{padding:28px}.large-phone{font-size:35px}.closing{padding:30px 24px;display:block;margin-bottom:45px}.closing h2{font-size:32px}.closing .button{margin-top:25px;width:100%;white-space:normal}.intro{padding-top:35px;padding-bottom:25px;margin-bottom:25px}.intro h1{font-size:43px}.content-grid,.contact-layout{grid-template-columns:1fr;gap:30px;padding-bottom:35px}.article h2{font-size:29px}.article p{font-size:16px}.sidebar{padding:25px}.notice{padding:24px;margin-bottom:35px}.reading{padding-bottom:45px}summary{font-size:16px;padding-block:19px}.faqs p{padding-right:15px}.email{font-size:20px}.footer-grid{grid-template-columns:1fr;gap:25px}.footer-grid .brand{margin-bottom:20px}.bottom{display:block}.bottom div{margin-top:17px;flex-wrap:wrap}.mobile-call{display:flex;align-items:center;justify-content:space-between;position:fixed;z-index:40;bottom:0;left:0;right:0;gap:10px;padding:17px 18px calc(17px + env(safe-area-inset-bottom));background:var(--wine);color:white;border-top:2px solid #eec5d4;text-decoration:none;min-height:70px}.mobile-call span{font-size:12px;max-width:125px;line-height:1.4}.mobile-call strong{font-size:16px;white-space:nowrap}.mobile-call:hover{color:white}.legal h2{font-size:28px}}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}
/* Insurance Smart Broker — midnight and copper */
:root{--wine:#9e235f;--ink:#402043;--muted:#5a6673;--line:#dde3e9;--light:#faf7fb}.top{background:#402043}.header{min-height:100px}.brand-name{font-size:19px}.mark{background:#402043;color:#ffd9ec;letter-spacing:-1px;border-radius:50%;width:46px;height:46px;font-size:23px;padding:0}.button{border-radius:6px;background:#402043;border-color:#402043}.button:hover{background:#642a61}.header-phone{border:1px solid var(--line);border-radius:6px;padding:9px 12px;font-size:14px}.hero-shell{background:#402043;color:white;padding:68px 0 60px}.new-hero{display:grid;grid-template-columns:1.15fr 1fr;gap:65px;align-items:center}.new-hero .eyebrow{color:#ffd9ec}.new-hero h1{font-size:clamp(46px,5.2vw,74px);line-height:1.07}.new-hero h1 em{color:#ffd9ec;font-weight:400}.new-hero .lead{color:#eee0ee;font-size:19px;max-width:570px}.hero-actions{display:flex;align-items:center;gap:25px;margin-top:29px;flex-wrap:wrap}.hero-actions .button{background:#ffd9ec;color:#402043;border-color:#ffd9ec}.hero-actions .secondary{margin:0;color:#fff}.hero-license{font-size:12px;margin:26px 0 0;color:#eee0ee}.portrait{position:relative;padding:0 0 58px}.portrait img{height:445px;object-fit:cover;object-position:35%;border-radius:150px 150px 12px 12px}.portrait-caption{background:white;color:var(--ink);padding:24px 28px;position:absolute;bottom:0;left:25px;right:25px;border-radius:8px;box-shadow:0 15px 30px #0002}.portrait-caption span{font-size:12px;letter-spacing:1.5px;color:var(--wine)}.portrait-caption strong{display:block;font-family:Georgia,serif;font-size:27px;font-weight:400}.portrait-caption p{margin:3px 0 0;font-size:14px}.intro-strip{display:flex;justify-content:space-between;align-items:center;gap:25px;border-bottom:1px solid var(--line);padding:25px 0;font-size:14px}.intro-strip p{margin:0;font-weight:700;color:var(--ink)}.intro-strip>a{white-space:nowrap}.section-head{max-width:740px}.cards{gap:18px;border:0}.card,.card:first-child,.card:nth-child(3){border:1px solid var(--line);border-radius:10px;padding:28px 23px}.card:hover{background:#faf7fb}.num{display:flex;align-items:center;justify-content:center;width:42px;height:42px;background:#402043;color:#ffd9ec;border-radius:50%;margin-bottom:30px;font-weight:400}.card h3{font-size:26px}.editorial{background:#faf7fb;padding:55px;display:grid;grid-template-columns:1fr 1fr;gap:65px;border-radius:14px}.feature-stack article{border-bottom:1px solid var(--line);padding:21px 0}.feature-stack article:first-child{padding-top:0}.feature-stack article:last-child{border-bottom:0}.feature-stack h3{font-size:22px}.feature-stack p{margin:0}.contact-box{background:white;border:1px solid var(--line);border-top:4px solid #c72c78;border-radius:9px;box-shadow:0 10px 30px #40204308}.closing{background:#402043;border-radius:12px;padding:50px}.closing .eyebrow{color:#ffd9ec}.closing p{color:#eee0ee}.closing .button{background:#ffd9ec;color:#402043;border-color:#ffd9ec}.intro{background:#faf7fb;border:0;border-radius:0 0 16px 16px;padding:55px;margin-bottom:45px}.intro h1{font-size:clamp(42px,4.8vw,67px)}.sidebar{border-left:0;border-top:3px solid #c72c78;border-radius:8px}.notice{border-radius:8px;border-left-color:#c72c78}.footer-grid .brand-name{font-size:18px}.mobile-call{background:#402043;border-color:#ffd9ec}
@media(max-width:1100px){.new-hero{gap:35px}.new-hero h1{font-size:58px}.portrait img{height:430px}.cards{gap:18px}.editorial{gap:40px;padding:38px}.header{min-height:86px}.brand-name{font-size:18px}}
@media(max-width:700px){.brand-name{font-size:16px}.brand-name small{font-size:12px;letter-spacing:0}.mark{width:34px;height:38px;font-size:20px}.brand{gap:8px}.header{min-height:80px}.hero-shell{padding:38px 0}.new-hero{grid-template-columns:1fr;gap:33px}.new-hero h1{font-size:clamp(42px,10.6vw,64px)}.new-hero .lead{font-size:18px}.hero-actions{gap:19px}.hero-actions .button{width:100%}.portrait img{height:310px;width:100%;border-radius:110px 110px 9px 9px}.portrait-caption{left:16px;right:16px;padding:19px}.portrait-caption strong{font-size:25px}.intro-strip{display:grid;gap:8px;justify-content:start}.cards{gap:14px}.editorial{grid-template-columns:1fr;padding:28px 24px;gap:28px}.closing{padding:28px 24px}.intro{padding:30px 23px;margin-bottom:30px}.intro h1{font-size:40px}.content-grid{gap:28px}.mobile-call span{max-width:140px;font-size:12px}.mobile-call strong{font-size:15px}.top .wrap{font-size:12px}.top a{display:none}}

/* Distinct editorial composition */
.hero-shell{background:white;color:var(--ink);padding:52px 0 0}.new-hero{display:flex;flex-direction:column;gap:35px;text-align:center}.new-hero>div:first-child{max-width:1000px}.new-hero .eyebrow{color:#9e235f}.new-hero h1{font-family:Arial,Helvetica,sans-serif;font-weight:700;font-size:clamp(43px,5.2vw,72px);letter-spacing:-.055em}.new-hero h1 br{display:none}.new-hero h1 em{font-style:normal;color:#9e235f}.new-hero .lead{max-width:760px;margin:0 auto 22px;color:#65556a}.hero-actions{justify-content:center}.hero-actions .button{background:#402043;color:white;border-color:#402043;border-radius:40px}.hero-actions .secondary{color:#402043}.hero-license{color:#65556a}.portrait{width:100%;padding:0;height:300px;overflow:hidden;position:relative;border-radius:16px}.portrait img{height:100%;width:100%;object-fit:cover;object-position:50% 42%;border-radius:0}.portrait-caption{left:auto;right:30px;bottom:26px;width:340px;text-align:left;box-shadow:none;border-left:5px solid #c72c78}.intro-strip{padding:27px 0}.cards{grid-template-columns:repeat(2,1fr);gap:20px}.card{display:grid;grid-template-columns:55px 1fr;column-gap:20px;padding:28px!important;border:0!important;background:#faf7fb}.card .num{grid-row:1/4;margin:0;border-radius:10px;background:#402043;color:white}.card h3{font-family:Arial,sans-serif;font-size:25px;font-weight:600}.card p,.card-link{grid-column:2}.card:hover{background:#f2e8f1}.editorial{background:#402043;color:white;border-radius:0;padding:52px}.editorial .eyebrow{color:#ffd9ec}.editorial p{color:#eadfeb}.editorial .text-link{color:white}.feature-stack article{border-color:#795579}.contact-box{border-top-color:#c72c78}.closing{background:#faf7fb;color:#402043;border:1px solid #eadfeb}.closing h2{color:#402043}.closing p,.closing .eyebrow{color:#65556a}.closing .button{background:#402043;color:white;border-color:#402043}.intro{background:white;border-bottom:2px solid #eadfeb;border-radius:0;padding:55px 0 38px}.intro h1{font-family:Arial,sans-serif;font-weight:600}.button{border-radius:30px}.mark{border-radius:9px}.header-phone{border-radius:30px}.mobile-call{background:#402043}.top{background:#402043}
@media(max-width:700px){.hero-shell{padding:30px 0 0}.new-hero{text-align:left;gap:25px}.new-hero h1{font-size:43px}.new-hero .lead{font-size:18px}.hero-actions{justify-content:start}.portrait{height:330px}.portrait img{height:100%;border-radius:0;object-position:40%}.portrait-caption{left:15px;right:15px;bottom:15px;width:auto;padding:17px}.portrait-caption strong{font-size:24px}.cards{grid-template-columns:1fr}.card{grid-template-columns:40px 1fr;column-gap:15px;padding:23px!important}.card h3{font-size:23px}.editorial{padding:28px 24px}.intro{padding:35px 0 24px}.intro h1{font-size:39px}.hero-license{font-size:12px}.new-hero h1 em{display:block}}
