:root{--navy:#0a1f3c;--deep:#0b4ea2;--sky:#2b9be0;--y:#ffc72c;--band:#e8f4fc;--or:#f7931e;--fg:#13253d;--mu:#55687f}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}body{margin:0;color:var(--fg);font:17px/1.6 Inter,system-ui,-apple-system,'Segoe UI',Roboto,Arial,sans-serif;background:#fff}
img{max-width:100%;height:auto;display:block}a{color:var(--deep)}.wrap{max-width:1160px;margin:0 auto;padding:0 20px}.center{text-align:center}.mu{color:var(--mu)}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:9}
.disp{font-family:'Barlow Condensed',Archivo,sans-serif;font-weight:600;text-transform:uppercase;letter-spacing:-.01em;line-height:1.02;margin:0 0 .45em}
h1.disp{font-size:clamp(2.3rem,5.4vw,4.1rem)}h2.disp{font-size:clamp(1.9rem,3.6vw,2.8rem)}h3.disp{font-size:1.5rem}
.hl{color:var(--y)}.hl-b{color:var(--sky)}.hl-w{color:#fff;text-decoration:underline;text-decoration-color:var(--navy)}
.hdr{position:sticky;top:0;z-index:5;background:#fff;box-shadow:0 1px 0 rgba(10,31,60,.08)}.hdr-in{display:flex;align-items:center;gap:22px;min-height:68px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);margin-right:auto;font:600 1.35rem/1 'Barlow Condensed',sans-serif;text-transform:uppercase;letter-spacing:.02em}.logo b{color:var(--sky);font-weight:600}
.hdr nav{display:flex;gap:20px}.hdr nav a{text-decoration:none;color:var(--fg);font-size:.95rem;font-weight:500}.hdr nav a:hover{color:var(--deep)}
.btn{display:inline-block;background:var(--deep);color:#fff;border:0;border-radius:999px;padding:12px 26px;font:600 1rem Inter,sans-serif;text-decoration:none;cursor:pointer}
.btn-pill{border:2px solid var(--navy);background:#fff;color:var(--navy);padding:8px 18px;font-size:.92rem}.btn-pill:hover{background:var(--navy);color:#fff}
.btn-y{background:var(--y);color:var(--navy)}.btn-navy{background:var(--navy)}.btn-ghost-w{background:transparent;border:2px solid #fff;color:#fff}.btn-lg{width:100%;padding:16px;font-size:1.1rem;margin-top:10px}
.menu{display:none}@media(max-width:820px){.hdr nav{display:none}.hdr nav.open{display:flex;flex-direction:column;position:absolute;top:68px;left:0;right:0;background:#fff;padding:12px 20px;box-shadow:0 8px 16px rgba(0,0,0,.08)}.menu{display:block;background:none;border:0;font-size:1.6rem;cursor:pointer;color:var(--navy)}}
.hero{position:relative;color:#fff;overflow:hidden;min-height:560px;display:flex;align-items:center}
.hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}.hero-tint{position:absolute;inset:0;background:linear-gradient(100deg,rgba(6,30,70,.88) 0%,rgba(11,78,162,.62) 55%,rgba(43,155,224,.35) 100%)}
.hero-in{position:relative;display:grid;grid-template-columns:1.6fr .8fr;gap:48px;align-items:center;padding-top:64px;padding-bottom:64px;width:100%}
.lede{font-size:1.12rem;color:#e3eefa;max-width:640px}
.hero-cards{display:flex;flex-direction:column;gap:14px}.hcard{display:flex;justify-content:space-between;align-items:center;gap:12px;padding:16px 18px;border:1px solid rgba(255,255,255,.55);border-radius:12px;background:rgba(10,31,60,.35);backdrop-filter:blur(4px);color:#fff;text-decoration:none;font-size:.9rem;line-height:1.35}
.hcard b{font-size:1.05rem}.hcard i{font-style:normal;background:#fff;color:var(--navy);border-radius:50%;width:32px;height:32px;display:grid;place-items:center;flex:none}.hcard:hover{background:rgba(10,31,60,.6)}
@media(max-width:860px){.hero-in{grid-template-columns:1fr;gap:28px}.hero{min-height:0}}
.sec{padding:72px 0}.band{background:var(--band)}
.two{display:grid;grid-template-columns:1fr 1fr;gap:28px;margin-top:32px}.ccard{border-radius:16px;padding:32px;text-align:center}.c1{background:linear-gradient(180deg,#dbeefe,#f4faff)}.c2{background:linear-gradient(180deg,#d6f6f7,#f2fcfc)}
.ccard small{display:block;font:600 .85rem Inter,sans-serif;text-transform:none;color:var(--mu);margin-top:6px;letter-spacing:0}
.tiles{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:32px}.tile{margin:0;background:#fff;border-radius:16px;overflow:hidden;box-shadow:0 6px 20px rgba(10,31,60,.08)}
.tile img{width:100%;aspect-ratio:4/3;object-fit:cover}.tile figcaption{padding:20px 22px}.tile h3{margin:0 0 6px;font-size:1.15rem;color:var(--navy)}.tile p{margin:0;color:var(--mu);font-size:.95rem}
.why{display:grid;grid-template-columns:.9fr 1.1fr;background:var(--band);border-radius:20px;overflow:hidden}.why-img{width:100%;height:100% !important;object-fit:cover;min-height:360px}.why-copy{padding:44px}
ul.ticks{list-style:none;padding:0}ul.ticks li{position:relative;padding-left:34px;margin-bottom:14px}ul.ticks li:before{content:"\2713";position:absolute;left:0;top:1px;width:24px;height:24px;border-radius:50%;background:var(--y);color:var(--navy);display:grid;place-items:center;font-size:.8rem;font-weight:700}
@media(max-width:860px){.two,.tiles,.why{grid-template-columns:1fr}.why-img{min-height:240px;max-height:300px}.why-copy{padding:28px}.sec{padding:52px 0}}
.sunband{position:relative;overflow:hidden;color:#fff;padding:76px 0}
.sunband{background:radial-gradient(circle at 50% 130%,#ffd25a 0,#ffb030 22%,transparent 60%),repeating-conic-gradient(from 0deg at 50% 130%,#f7931e 0deg 6deg,#f9a33a 6deg 12deg)}
.sunband p{font-size:1.1rem;max-width:640px;margin:0 auto 1.2em}.sunband .btn{margin:6px}
.phead{background:linear-gradient(100deg,var(--navy),var(--deep));color:#fff;padding:56px 0 40px}.phead h1{margin:0}
.prose{max-width:780px;padding:48px 20px}.prose h2.disp{font-size:1.9rem;margin-top:1.2em;color:var(--navy)}ol.steps li{margin-bottom:10px}
details{border-bottom:1px solid #d9e3ee;padding:16px 0}summary{font-weight:700;cursor:pointer;color:var(--navy)}
.qwrap{max-width:780px;padding:36px 20px 56px}.card{background:#fff;border:1px solid #d9e3ee;border-radius:16px;padding:28px;box-shadow:0 6px 20px rgba(10,31,60,.06)}
.form-h{font:600 1.6rem/1.1 'Barlow Condensed',sans-serif;text-transform:uppercase;color:var(--navy);margin:0 0 12px}
fieldset{border:0;padding:0;margin:0 0 10px}legend{font-weight:700;color:var(--deep);text-transform:uppercase;font-size:.8rem;letter-spacing:.1em;margin-bottom:8px}
label{display:block;font-size:.9rem;font-weight:600;margin:0 0 12px}input,select{display:block;width:100%;margin-top:4px;padding:12px;font:16px Inter,sans-serif;border:1px solid #c6d3e1;border-radius:8px;background:#fff;color:var(--fg)}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:12px}@media(max-width:560px){.grid2{grid-template-columns:1fr}.card{padding:20px}}
.hp{position:absolute;left:-9999px}.fine{font-size:.8rem;color:var(--mu)}.form-status{padding:12px;border-radius:8px;background:var(--band)}.is-error{border:1px solid #c0392b}
.ftr{background:var(--navy);color:#c9d6e6;padding:48px 0 28px;font-size:.92rem}.ftr a{color:#fff}.ftr-top{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:20px;border-bottom:1px solid rgba(255,255,255,.15);padding-bottom:24px;margin-bottom:20px}
.answer{font-size:1.08rem;line-height:1.6;border-left:4px solid var(--y);padding:12px 18px;margin:0 0 20px;background:var(--band);border-radius:0 10px 10px 0}.hero .answer{background:rgba(10,31,60,.45);color:#eef5fc;max-width:660px}
.faq-q{display:inline;font-size:1.05rem;margin:0;color:var(--navy)}.faq-wrap{max-width:860px}.faq-sec h2{font-family:'Barlow Condensed',sans-serif;text-transform:uppercase;font-size:clamp(1.8rem,3.4vw,2.6rem);color:var(--navy);text-align:center}
.ftr .logo{color:#fff;margin:0}.ftr nav{display:flex;flex-wrap:wrap;gap:18px}.ftr nav a{text-decoration:none}.ftr p{margin:.35em 0}.ftr .fine{color:#93a7bf}

/* Consent to Contact toggle (matches nymbleinsurance.com) */
.consent{padding:16px 18px;border:1.5px solid #cfe0ee;border-radius:12px;margin:14px 0;background:#fff;text-align:left}
.consent-title{font-size:.85rem;font-weight:700;margin:0 0 6px;color:var(--fg)}
.consent-text{font-size:.82rem;line-height:1.6;margin:0 0 12px;color:var(--mu)}
.consent-toggle{display:flex;align-items:center;gap:12px;cursor:pointer;user-select:none;margin:0;font-weight:600;font-size:.85rem;color:var(--fg)}
.consent-toggle input{position:absolute;opacity:0;width:48px;height:26px;margin:0;cursor:pointer}
.consent-track{position:relative;display:inline-block;width:48px;height:26px;flex-shrink:0;border-radius:13px;background:#c9ced6;transition:background .2s}
.consent-knob{position:absolute;top:3px;left:3px;width:20px;height:20px;border-radius:50%;background:#fff;box-shadow:0 1px 3px rgba(0,0,0,.25);transition:transform .2s}
.consent-toggle input:checked+.consent-track{background:var(--deep)}
.consent-toggle input:checked+.consent-track .consent-knob{transform:translateX(22px)}
.consent-toggle input:focus-visible+.consent-track{outline:3px solid var(--deep);outline-offset:2px}
.consent-req{color:#dc2626}.consent-sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
.consent.is-missing{border-color:#dc2626}
.field-error{display:block;color:#b91c1c;font-size:.8rem;margin-top:4px;font-weight:600}
input.is-invalid,select.is-invalid,textarea.is-invalid{border-color:#dc2626;outline-color:#dc2626}