:root {
  --navy: #072d58;
  --navy-deep: #041d39;
  --blue: #168fd0;
  --aqua: #38bce8;
  --orange: #f37021;
  --gold: #ffb20d;
  --white: #ffffff;
  --ink: #17324e;
  --muted: #52677b;
  --line: #d9e7ef;
  --shadow: 0 24px 64px rgba(7,45,88,.14);
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; color: var(--ink); background: var(--white); font-family: "DM Sans", sans-serif; font-size: 16px; line-height: 1.6; }
a { color: inherit; }
.skip-link { position: absolute; left: -9999px; top: .7rem; z-index: 99; padding: .7rem 1rem; background: var(--white); }
.skip-link:focus { left: .7rem; }
header { display: flex; align-items: center; justify-content: space-between; gap: 1.5rem; min-height: 92px; padding: .5rem clamp(1.25rem, 6vw, 6rem); border-bottom: 1px solid var(--line); background: rgba(255,255,255,.96); }
.logo, .footer-logo { display: block; width: 270px; height: 76px; background: url("sunrise-logo-cropped.png") left center / contain no-repeat; }
.header-actions { display: flex; align-items: center; gap: .75rem; }
.site-nav a { display: inline-flex; align-items: center; min-height: 44px; padding: .65rem 1rem; border: 1px solid var(--line); border-radius: 999px; color: var(--navy); font-weight: 800; text-decoration: none; }
.site-nav a:hover, .site-nav a:focus { border-color: var(--aqua); background: #eefaff; }
.call-link { display: inline-flex; gap: .4rem; align-items: center; padding: .75rem 1.1rem; border-radius: 999px; background: var(--navy); color: var(--white); font-weight: 700; text-decoration: none; }
.call-link:hover, .call-link:focus { background: var(--blue); }
.journey-hero { position: relative; min-height: clamp(600px, 70vw, 760px); overflow: hidden; isolation: isolate; background: var(--navy-deep); }
.journey-hero-image { position: absolute; z-index: -3; inset: 0; width: 100%; height: 100%; object-fit: cover; object-position: center; }
.journey-hero-shade { position: absolute; z-index: -2; inset: 0; background: linear-gradient(90deg, rgba(4,29,57,.94) 0%, rgba(4,29,57,.82) 35%, rgba(4,29,57,.24) 67%, rgba(4,29,57,.06) 100%); }
.journey-hero-copy { width: min(720px, 58%); padding: clamp(4.5rem, 9vw, 8rem) 0 clamp(11rem, 19vw, 15rem) clamp(1.25rem, 8vw, 8rem); color: var(--white); }
.journey-hero-copy .eyebrow { color: var(--gold); }
.journey-hero-copy h1 { color: var(--white); text-wrap: balance; }
.journey-hero-copy > p:not(.eyebrow) { max-width: 630px; margin: 1.25rem 0 1.7rem; color: #e6f2f8; font-size: clamp(1.05rem, 1.8vw, 1.24rem); }
.hero-button { gap: .65rem; min-width: 190px; text-transform: uppercase; }
.hero-button span { font-size: 1.25rem; }
.hero-trust-card { position: absolute; z-index: 2; right: clamp(1.25rem, 5vw, 5rem); bottom: clamp(1.25rem, 4vw, 3rem); display: grid; grid-template-columns: 92px minmax(0, 1fr); gap: 1rem; width: min(440px, calc(100% - 2.5rem)); padding: 1rem; border: 1px solid rgba(255,255,255,.78); border-radius: 18px; background: rgba(255,255,255,.94); color: var(--ink); box-shadow: 0 20px 48px rgba(4,29,57,.3); backdrop-filter: blur(8px); }
.hero-trust-card img { width: 92px; height: 112px; object-fit: cover; object-position: center top; border-radius: 12px; }
.hero-trust-card strong, .hero-trust-card span { display: block; }
.hero-trust-card strong { color: var(--navy); font-size: 1rem; }
.hero-trust-card span { color: var(--muted); font-size: .77rem; line-height: 1.45; }
.hero-trust-card p { margin: .45rem 0 0; color: var(--navy); font-size: .8rem; font-weight: 700; line-height: 1.4; }
.priorities-section { padding: clamp(4rem, 8vw, 6.5rem) clamp(1.25rem, 8vw, 8rem); background: var(--white); }
.priority-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 1rem; max-width: 1080px; margin: 0 auto; }
.priority-card { display: flex; min-height: 116px; align-items: center; justify-content: flex-start; gap: 1rem; padding: 1.1rem 1.2rem; border: 1px solid var(--line); border-radius: 18px; background: #fbfdff; color: var(--navy); font: 800 1rem "DM Sans", sans-serif; text-align: left; cursor: pointer; box-shadow: 0 12px 28px rgba(7,45,88,.06); transition: transform .18s ease, border-color .18s ease, background .18s ease; }
.priority-card span { display: grid; flex: 0 0 48px; width: 48px; height: 48px; place-items: center; border-radius: 50%; background: #eaf8fd; color: var(--blue); font-size: 1.3rem; }
.priority-card:hover, .priority-card:focus-visible { transform: translateY(-2px); border-color: var(--aqua); outline: none; }
.priority-card.is-selected { border-color: var(--orange); background: #fff8ef; box-shadow: 0 0 0 2px rgba(243,112,33,.16), 0 14px 30px rgba(7,45,88,.08); }
.priority-card.is-selected span { background: linear-gradient(145deg, var(--gold), var(--orange)); color: var(--white); }
.priority-transition { display: flex; flex-wrap: wrap; align-items: center; justify-content: center; gap: 1rem 1.4rem; max-width: 820px; margin: 1.5rem auto 0; padding: 1rem 1.2rem; border-radius: 18px; background: var(--navy); color: var(--white); text-align: center; }
.priority-transition[hidden] { display: none; }
.priority-transition strong { font-size: 1.05rem; }
.priority-transition .primary-button { min-height: 46px; }
.hero { position: relative; display: grid; grid-template-columns: minmax(0, 1.08fr) minmax(320px, .72fr); gap: clamp(2.5rem, 7vw, 7rem); align-items: center; min-height: 660px; padding: clamp(3.5rem, 7vw, 6.5rem) clamp(1.25rem, 8vw, 8rem); overflow: hidden; background: linear-gradient(110deg, #fff 0%, #f7fcff 58%, #e9f8fd 100%); }
.hero::before { content: ""; position: absolute; right: -11rem; bottom: -17rem; width: 38rem; height: 38rem; border: 5rem solid rgba(56,188,232,.12); border-radius: 50%; }
.hero-copy { position: relative; z-index: 2; max-width: 760px; }
.eyebrow { margin: 0 0 .7rem; color: var(--orange); font-size: .82rem; font-weight: 800; letter-spacing: .14em; text-transform: uppercase; }
h1, h2 { margin: 0; color: var(--navy); font-family: "Libre Franklin", sans-serif; line-height: 1.06; letter-spacing: -.04em; }
h1 { max-width: 760px; font-size: clamp(2.8rem, 5vw, 4.8rem); }
h2 { font-size: clamp(2rem, 4vw, 3.7rem); }
.lede { max-width: 680px; margin: 1.5rem 0; color: var(--muted); font-size: clamp(1.06rem, 2vw, 1.25rem); }
.protection-uses { display: grid; grid-template-columns: repeat(2, 1fr); gap: .7rem; margin: 1.6rem 0 1rem; }
.protection-uses p { margin: 0; padding: .9rem; border-top: 3px solid var(--aqua); background: var(--white); box-shadow: 0 8px 24px rgba(7,45,88,.07); }
.protection-uses strong, .protection-uses span { display: block; }
.protection-uses strong { color: var(--navy); font-size: .95rem; }
.protection-uses span { margin-top: .2rem; color: var(--muted); font-size: .78rem; line-height: 1.4; }
.product-note { max-width: 690px; margin: 0 0 1.5rem; color: var(--muted); font-size: .9rem; line-height: 1.5; }
.product-note strong { color: var(--navy); font-size: 1rem; }
.hero-promise { display: flex; flex-wrap: wrap; gap: .35rem .7rem; align-items: center; padding: .8rem 1rem; border-left: 4px solid var(--orange); background: rgba(255,255,255,.82); box-shadow: 0 8px 24px rgba(7,45,88,.06); }
.hero-promise span { color: var(--navy); font-weight: 700; }
.hero-promise span + span::before { content: "•"; margin-right: .7rem; color: var(--orange); }
.primary-button { display: inline-flex; align-items: center; justify-content: center; min-height: 52px; padding: .85rem 1.35rem; border-radius: 999px; font-weight: 800; text-decoration: none; transition: transform .18s ease, box-shadow .18s ease, background .18s ease; }
.primary-button { background: linear-gradient(135deg, var(--orange), #ff9b1a); color: var(--white); box-shadow: 0 13px 28px rgba(243,112,33,.24); }
.primary-button:hover, .primary-button:focus { transform: translateY(-2px); box-shadow: 0 13px 28px rgba(7,45,88,.18); }
.call-note { margin: 1rem 0 0; color: var(--muted); font-size: .9rem; }
.call-note a { color: var(--navy); font-weight: 700; }
.hero-family { position: relative; z-index: 2; margin: 0; }
.hero-family img { display: block; width: 100%; min-height: 470px; aspect-ratio: 4 / 5; object-fit: cover; object-position: 62% center; border: 8px solid var(--white); border-radius: 28px; box-shadow: var(--shadow); }
.agent { position: relative; z-index: 2; margin: 0; }
.photo-wrap { position: relative; max-width: 470px; margin-inline: auto; }
.photo-wrap img { position: relative; z-index: 2; display: block; width: 100%; aspect-ratio: 1/1.08; object-fit: cover; object-position: center top; border: 8px solid var(--white); border-radius: 48% 48% 22px 22px; box-shadow: var(--shadow); }
.sun-accent { position: absolute; z-index: 1; inset: -24px -30px auto auto; width: 170px; height: 170px; border-radius: 50%; background: linear-gradient(145deg, var(--gold), var(--orange)); }
.agent figcaption { position: relative; z-index: 3; width: calc(100% - 2.5rem); margin: -2.2rem auto 0; padding: 1rem 1.2rem; border-radius: 14px; background: var(--navy); color: var(--white); text-align: center; box-shadow: 0 16px 28px rgba(7,45,88,.2); }
.agent strong, .agent span { display: block; }
.agent strong { font-size: 1.1rem; }
.agent span { color: #bcecff; font-size: .88rem; }
.meet-rose { display: grid; grid-template-columns: minmax(260px, .62fr) minmax(420px, 1fr); gap: clamp(2.5rem, 7vw, 6rem); align-items: center; padding: clamp(4rem, 8vw, 7rem) clamp(1.25rem, 8vw, 8rem); background: linear-gradient(135deg, #fff8e7 0%, #ffffff 48%, #eefaff 100%); }
.meet-rose-portrait { position: relative; max-width: 430px; margin-inline: auto; }
.meet-rose-portrait::before { content: ""; position: absolute; inset: -16px 18px 20px -16px; border-radius: 28px; background: linear-gradient(145deg, var(--gold), var(--orange)); }
.meet-rose-portrait img { position: relative; display: block; width: 100%; aspect-ratio: 4/5; object-fit: cover; object-position: center top; border: 7px solid var(--white); border-radius: 24px; box-shadow: var(--shadow); }
.meet-rose-copy { max-width: 720px; }
.meet-rose-copy > p:not(.eyebrow) { margin: 1rem 0; color: var(--muted); font-size: 1.06rem; }
.meet-rose-copy p strong { color: var(--navy); }
.meet-rose-copy .meet-intro { margin-top: 1.35rem; color: var(--navy); font-size: 1.3rem; }
.rose-credentials { display: flex; flex-wrap: wrap; gap: .65rem; margin: 1.6rem 0; }
.rose-credentials span { padding: .65rem .9rem; border: 1px solid rgba(22,143,208,.25); border-radius: 999px; background: rgba(255,255,255,.9); color: var(--navy); font-size: .88rem; font-weight: 800; box-shadow: 0 8px 20px rgba(7,45,88,.06); }
.section-heading { max-width: 860px; margin: 0 auto 2.5rem; text-align: center; }
.section-heading > p:not(.eyebrow) { max-width: 680px; margin: 1rem auto 0; color: var(--muted); font-size: 1.08rem; }
.plan-compare { padding: clamp(4rem, 8vw, 7rem) clamp(1.25rem, 8vw, 8rem); background: linear-gradient(180deg, #f5fbfe, #ffffff); }
.plan-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1.25rem; max-width: 1180px; margin: 0 auto; }
.plan-card { display: flex; flex-direction: column; padding: clamp(1.4rem, 3vw, 2rem); border: 1px solid var(--line); border-radius: 24px; background: var(--white); box-shadow: 0 18px 44px rgba(7,45,88,.08); }
.term-card { border-top: 5px solid var(--orange); }
.final-card { border-top: 5px solid var(--aqua); }
.plan-card-top { display: flex; gap: .9rem; align-items: center; }
.plan-number { display: grid; flex: 0 0 2.55rem; width: 2.55rem; height: 2.55rem; place-items: center; border-radius: 50%; background: linear-gradient(145deg, var(--gold), var(--orange)); color: var(--white); font-size: .78rem; font-weight: 900; }
.final-card .plan-number { background: var(--aqua); color: var(--navy-deep); }
.plan-label { margin: 0 0 .1rem; color: var(--orange); font-size: .75rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
.final-card .plan-label { color: var(--blue); }
.plan-card h3 { margin: 0; color: var(--navy); font-family: "Libre Franklin", sans-serif; font-size: 1.75rem; }
.plan-summary { margin: 1.1rem 0; color: var(--muted); }
.plan-card ul { display: grid; gap: .7rem; margin: 0 0 1.25rem; padding: 0; list-style: none; }
.plan-card li { position: relative; padding-left: 1.75rem; color: var(--ink); }
.plan-card li::before { content: "✓"; position: absolute; left: 0; top: .05rem; color: var(--orange); font-weight: 900; }
.final-card li::before { color: var(--blue); }
.best-for { margin: auto 0 1.2rem; padding: .85rem 1rem; border-radius: 12px; background: #f3f9fc; color: var(--muted); font-size: .92rem; }
.best-for strong { color: var(--navy); }
.plan-card .primary-button { align-self: flex-start; }
.benefit-vision { padding: clamp(4rem, 8vw, 7rem) clamp(1.25rem, 8vw, 8rem); background: var(--navy); }
.benefit-vision h2 { color: var(--white); }
.benefit-vision .eyebrow { color: var(--gold); }
.vision-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1.2rem; max-width: 1180px; margin: 0 auto; }
.vision-story { overflow: hidden; border: 1px solid rgba(255,255,255,.16); border-radius: 24px; background: #103b68; color: var(--white); box-shadow: 0 24px 54px rgba(0,0,0,.2); }
.vision-story img { display: block; width: 100%; aspect-ratio: 3 / 2; object-fit: cover; }
.vision-story-copy { padding: clamp(1.4rem, 3vw, 2rem); }
.vision-story .story-label { margin: 0 0 .7rem; color: var(--gold); font-size: .78rem; font-weight: 900; letter-spacing: .1em; text-transform: uppercase; }
.vision-story h3 { margin: 0 0 .75rem; color: var(--white); font-size: clamp(1.45rem, 2.3vw, 2rem); line-height: 1.18; }
.vision-story-copy > p:not(.story-label) { margin: 0; color: #d9ebf6; font-size: 1rem; line-height: 1.7; }
.vision-note { max-width: 1000px; margin: 1.3rem auto 0; color: #a8c4d8; font-size: .8rem; text-align: center; }
.money-example { margin-top: 1.35rem; padding: 1rem; border-radius: 16px; background: var(--white); color: var(--navy); }
.money-example-title { margin: 0 0 .55rem; color: var(--navy); font-weight: 900; }
.money-example dl, .final-math-card dl { margin: 0; }
.money-example dl > div, .final-math-card dl > div { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 1rem; align-items: center; padding: .65rem 0; border-bottom: 1px solid var(--line); }
.money-example dt, .final-math-card dt { font-weight: 700; }
.money-example dt span { display: block; color: var(--muted); font-size: .78rem; font-weight: 600; }
.money-example dd, .final-math-card dd { margin: 0; color: var(--navy); font-weight: 900; text-align: right; }
.money-example .money-total, .final-math-card .money-total { margin-top: .3rem; padding: .8rem .75rem; border: 0; border-radius: 10px; background: #eaf7fd; font-size: 1.08rem; }
.final-example { display: grid; grid-template-columns: minmax(280px, .8fr) minmax(430px, 1fr); gap: clamp(2rem, 7vw, 6rem); align-items: center; padding: clamp(4rem, 8vw, 7rem) clamp(1.25rem, 8vw, 8rem); background: linear-gradient(135deg, #fff9e8 0%, #ffffff 52%, #eaf8fd 100%); }
.final-example-copy { max-width: 650px; }
.final-example-copy > p:not(.eyebrow) { margin: 1.2rem 0 1.6rem; color: var(--muted); font-size: 1.08rem; }
.final-math-card { padding: clamp(1.3rem, 3vw, 2rem); border: 1px solid var(--line); border-top: 6px solid var(--gold); border-radius: 24px; background: var(--white); box-shadow: var(--shadow); }
.math-kicker { margin: 0 0 .7rem; color: var(--orange); font-size: .8rem; font-weight: 900; letter-spacing: .1em; text-transform: uppercase; }
.final-math-card dl > div { padding: .8rem 0; }
.final-math-card .money-total { background: var(--navy); color: var(--white); }
.final-math-card .money-total dt, .final-math-card .money-total dd { color: var(--white); }
.math-note { margin: 1rem 0 0; color: var(--muted); font-size: .78rem; line-height: 1.5; }
.needs-section { display: grid; grid-template-columns: minmax(280px, .7fr) minmax(480px, 1fr); gap: clamp(2rem, 7vw, 6rem); align-items: start; padding: clamp(4rem, 8vw, 7rem) clamp(1.25rem, 8vw, 8rem); background: linear-gradient(135deg, #fff8e7, #f3fbff); }
.needs-copy { position: sticky; top: 2rem; }
.needs-copy > p:not(.eyebrow) { margin: 1.2rem 0; color: var(--muted); font-size: 1.05rem; }
.needs-examples { display: flex; flex-wrap: wrap; gap: .55rem; }
.needs-examples span { padding: .55rem .8rem; border: 1px solid var(--line); border-radius: 999px; background: var(--white); color: var(--navy); font-size: .85rem; font-weight: 800; }
.needs-calculator { padding: clamp(1.3rem, 3vw, 2rem); border: 1px solid var(--line); border-radius: 24px; background: var(--white); box-shadow: var(--shadow); }
.calculator-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1rem; }
.needs-calculator label { display: grid; gap: .4rem; color: var(--navy); font-size: .88rem; font-weight: 800; }
.needs-calculator input, .needs-calculator select { width: 100%; min-height: 48px; padding: .7rem .8rem; border: 1px solid #bfd3df; border-radius: 10px; background: #fbfdff; color: var(--ink); font: inherit; }
.needs-calculator input:focus, .needs-calculator select:focus { border-color: var(--blue); outline: 3px solid rgba(56,188,232,.2); }
.calculator-button { width: 100%; min-height: 52px; margin-top: 1rem; border: 0; border-radius: 999px; background: var(--navy); color: var(--white); font: 800 1rem "DM Sans", sans-serif; cursor: pointer; }
.calculator-button:hover, .calculator-button:focus { background: var(--blue); }
.calculator-result { display: grid; gap: .15rem; margin-top: 1rem; padding: 1rem; border-left: 4px solid var(--orange); background: #f5fbfe; }
.calculator-result span { color: var(--muted); font-size: .85rem; font-weight: 700; }
.calculator-result strong { color: var(--navy); font-family: "Libre Franklin", sans-serif; font-size: 2rem; }
.calculator-result p { margin: 0; color: var(--muted); font-size: .82rem; }
.quote-help { display: grid; grid-template-columns: minmax(280px, .9fr) minmax(360px, 1fr); gap: clamp(1.5rem, 5vw, 4rem); align-items: center; padding: clamp(3rem, 6vw, 4.5rem) clamp(1.25rem, 8vw, 8rem); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); background: #f7fbfd; }
.quote-help-intro { max-width: 670px; }
.quote-help-intro h2 { font-size: clamp(2rem, 3.5vw, 3.2rem); }
.quote-help-intro > p:not(.eyebrow):not(.quote-hours) { margin: 1rem 0; color: var(--muted); font-size: 1.03rem; }
.quote-hours { display: grid; margin: 1.2rem 0; padding-left: 1rem; border-left: 4px solid var(--orange); color: var(--muted); }
.quote-hours strong { color: var(--navy); }
.quote-help-call { display: inline-flex; min-height: 46px; align-items: center; justify-content: center; padding: .7rem 1.1rem; border-radius: 999px; background: var(--navy); color: var(--white); font-weight: 800; text-decoration: none; }
.quote-help-call:hover, .quote-help-call:focus { background: var(--blue); }
.quote-help-steps { padding: clamp(1.25rem, 3vw, 1.8rem); border: 1px solid var(--line); border-radius: 20px; background: var(--white); box-shadow: 0 14px 34px rgba(7,45,88,.08); }
.quote-help-steps h3 { margin: 0 0 .8rem; color: var(--navy); font-size: 1.3rem; }
.quote-help-steps ol { display: grid; gap: .65rem; margin: 0; padding-left: 1.35rem; }
.quote-help-steps li { padding-left: .25rem; color: var(--ink); }
.quote-help-steps li::marker { color: var(--orange); font-weight: 900; }
.quote-underwriting { margin: 1rem 0 0; padding-top: .9rem; border-top: 1px solid var(--line); color: var(--muted); font-size: .82rem; line-height: 1.5; }
.review-section { display: grid; grid-template-columns: minmax(280px, .62fr) minmax(430px, 1fr); gap: clamp(2rem, 7vw, 6rem); align-items: start; padding: clamp(4.5rem, 9vw, 8rem) clamp(1.25rem, 8vw, 8rem); background: var(--navy); }
.review-intro { position: sticky; top: 2rem; color: var(--white); }
.review-intro h2 { color: var(--white); }
.review-intro > p:not(.eyebrow) { color: #c7deec; font-size: 1.08rem; }
.feature-highlights { display: grid; gap: .8rem; margin: 2rem 0 0; padding: 0; list-style: none; }
.feature-highlights li { display: grid; grid-template-columns: 1.65rem 1fr; gap: .7rem; align-items: start; padding: .95rem 1rem; border: 1px solid rgba(255,255,255,.13); border-radius: 14px; background: rgba(255,255,255,.08); }
.feature-highlights strong, .feature-highlights li div span { display: block; }
.feature-highlights li div span { margin-top: .18rem; color: #c7deec; font-size: .9rem; line-height: 1.45; }
.feature-check { display: grid; width: 1.55rem; height: 1.55rem; place-items: center; border-radius: 50%; background: linear-gradient(145deg, var(--gold), var(--orange)); color: var(--white); font-size: .9rem; font-weight: 900; }
.form-shell { position: relative; padding: clamp(1.2rem, 3vw, 2.25rem); border: 1px solid rgba(255,255,255,.18); border-radius: 25px; background: var(--white); box-shadow: var(--shadow); }
.protection-form { display: grid; gap: 1.25rem; }
.form-heading { padding-bottom: 1.15rem; border-bottom: 1px solid var(--line); }
.form-title { display: block; color: var(--navy); font-family: "Libre Franklin", sans-serif; font-size: clamp(1.45rem, 2.5vw, 2rem); line-height: 1.15; }
.form-heading p { margin: .45rem 0 0; color: var(--muted); }
.form-offer strong { color: var(--navy); }
.form-offer span { margin: 0 .3rem; color: var(--orange); }
.protection-form fieldset { margin: 0; padding: 0; border: 0; }
.protection-form legend, .form-divider span { margin-bottom: .65rem; color: var(--navy); font-weight: 800; }
.choice-grid { display: grid; gap: .55rem; }
.choice-grid-three { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.choice-grid label { cursor: pointer; }
.choice-grid input { position: absolute; opacity: 0; }
.choice-grid span { display: flex; align-items: center; justify-content: center; min-height: 48px; padding: .65rem; border: 1px solid var(--line); border-radius: 11px; color: var(--ink); font-size: .86rem; font-weight: 700; text-align: center; transition: .18s ease; }
.choice-grid input:checked + span { border-color: var(--blue); background: #eaf8fe; color: var(--navy); box-shadow: inset 0 0 0 1px var(--blue); }
.choice-grid input:focus-visible + span { outline: 3px solid rgba(56,188,232,.35); outline-offset: 2px; }
.form-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1rem; }
.protection-form label:not(.consent):not(.choice-grid label) { display: grid; gap: .4rem; color: var(--navy); font-size: .88rem; font-weight: 700; }
.protection-form input[type="text"], .protection-form input[type="email"], .protection-form input[type="tel"], .protection-form input[type="date"], .protection-form select, .protection-form textarea { width: 100%; min-height: 48px; padding: .7rem .8rem; border: 1px solid #bfd3df; border-radius: 10px; background: #fbfdff; color: var(--ink); font: inherit; }
.protection-form textarea { resize: vertical; }
.protection-form input:focus, .protection-form select:focus, .protection-form textarea:focus { border-color: var(--blue); outline: 3px solid rgba(56,188,232,.2); }
.form-divider { display: flex; align-items: center; gap: .8rem; margin-top: .25rem; }
.form-divider::after { content: ""; flex: 1; height: 1px; background: var(--line); }
.full-field { grid-column: 1 / -1; }
.consent { display: grid; grid-template-columns: 20px 1fr; gap: .7rem; align-items: start; color: var(--muted); font-size: .78rem; line-height: 1.45; }
.consent input { width: 18px; height: 18px; margin-top: .15rem; accent-color: var(--blue); }
.form-submit { min-height: 54px; border: 0; border-radius: 999px; background: linear-gradient(135deg, var(--orange), #ff9b1a); color: var(--white); font: 800 1rem "DM Sans", sans-serif; cursor: pointer; box-shadow: 0 13px 28px rgba(243,112,33,.24); }
.form-submit:hover, .form-submit:focus { background: var(--navy); }
.form-reassurance { margin: -.45rem 0 0; color: var(--muted); font-size: .78rem; text-align: center; }
.form-success { display: grid; gap: .2rem; padding: 1rem; border-radius: 12px; background: #e9f9f1; color: #155b3b; text-align: center; }
.form-success[hidden] { display: none; }
.submission-frame, .honeypot { position: absolute; width: 1px; height: 1px; opacity: 0; pointer-events: none; }
.family-story { padding: clamp(2.5rem, 6vw, 5rem) clamp(1.25rem, 8vw, 8rem) 0; background: linear-gradient(180deg, var(--navy) 0 42%, #f5fbfe 42% 100%); }
.family-story figure { position: relative; max-width: 1180px; margin: 0 auto; overflow: hidden; border: 8px solid var(--white); border-radius: 28px; box-shadow: var(--shadow); }
.family-story img { display: block; width: 100%; height: clamp(280px, 38vw, 480px); object-fit: cover; object-position: center 43%; }
.family-story figcaption { position: absolute; left: clamp(1rem, 4vw, 3rem); bottom: clamp(1rem, 4vw, 2.5rem); max-width: min(560px, calc(100% - 2rem)); padding: clamp(1rem, 2.5vw, 1.5rem); border-left: 5px solid var(--gold); border-radius: 0 16px 16px 0; background: rgba(4,29,57,.9); color: var(--white); box-shadow: 0 14px 36px rgba(4,29,57,.24); }
.family-story figcaption span, .family-story figcaption strong { display: block; }
.family-story figcaption span { margin-bottom: .25rem; color: #bcecff; font-size: .78rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; }
.family-story figcaption strong { font-family: "Libre Franklin", sans-serif; font-size: clamp(1.25rem, 2.5vw, 2rem); line-height: 1.15; }
footer { padding: 2.5rem clamp(1.25rem, 6vw, 6rem); background: var(--navy-deep); color: #b9cbd9; }
.footer-logo { width: 180px; height: 168px; margin-bottom: 1.5rem; border: 1px solid rgba(255,178,13,.45); border-radius: 22px; background-color: var(--white); background-position: center; background-size: 150px; box-shadow: 0 16px 40px rgba(0,0,0,.22), 0 0 0 6px rgba(255,255,255,.04); }
.disclosures { max-width: 1050px; padding-top: 1rem; border-top: 1px solid rgba(255,255,255,.15); font-size: .78rem; line-height: 1.5; }
.disclosures p { margin: .5rem 0; }
.legal-links { display: flex; flex-wrap: wrap; gap: .6rem 1.2rem; margin-top: 1.15rem; }
.legal-links button { padding: 0; border: 0; border-bottom: 1px solid rgba(255,255,255,.45); background: transparent; color: var(--white); font: 700 .82rem "DM Sans", sans-serif; cursor: pointer; }
.legal-links button:hover, .legal-links button:focus { border-color: var(--gold); color: var(--gold); }
.copyright { margin: 1.2rem 0 0; font-size: .78rem; }
.legal-dialog { width: min(760px, calc(100% - 2rem)); max-height: min(82vh, 780px); padding: 0; border: 0; border-radius: 22px; color: var(--ink); box-shadow: 0 30px 90px rgba(4,29,57,.34); }
.legal-dialog::backdrop { background: rgba(4,29,57,.72); backdrop-filter: blur(4px); }
.legal-dialog-header { position: sticky; top: 0; z-index: 2; display: flex; align-items: flex-start; justify-content: space-between; gap: 1rem; padding: 1.4rem 1.5rem; border-bottom: 1px solid var(--line); background: var(--white); }
.legal-dialog-header span { color: var(--orange); font-size: .75rem; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; }
.legal-dialog-header h2 { margin-top: .25rem; font-size: clamp(1.7rem, 4vw, 2.35rem); }
.dialog-close { display: grid; place-items: center; flex: 0 0 42px; width: 42px; height: 42px; border: 1px solid var(--line); border-radius: 50%; background: #f6fbfe; color: var(--navy); font: 400 1.8rem/1 "DM Sans", sans-serif; cursor: pointer; }
.dialog-close:hover, .dialog-close:focus { border-color: var(--orange); color: var(--orange); }
.legal-dialog-content { padding: 1.4rem 1.5rem 1.8rem; font-size: .95rem; line-height: 1.65; }
.legal-dialog-content h3 { margin: 1.35rem 0 .25rem; color: var(--navy); font-size: 1.05rem; }
.legal-dialog-content p { margin: .65rem 0; }
.legal-dialog-content a { color: var(--blue); font-weight: 700; }
@media (max-width: 900px) {
  .hero, .meet-rose, .review-section, .quote-help, .needs-section { grid-template-columns: 1fr; }
  .hero { min-height: auto; }
  .hero-copy { text-align: center; }
  .lede { margin-inline: auto; }
  .protection-uses { text-align: left; }
  .hero-family { width: min(88vw, 620px); margin-inline: auto; }
  .hero-family img { min-height: 0; aspect-ratio: 16 / 10; object-position: center; }
  .agent { width: min(88vw, 440px); margin-inline: auto; }
  .review-intro { position: static; text-align: center; }
  .feature-highlights { max-width: 560px; margin-inline: auto; text-align: left; }
  .needs-copy { position: static; text-align: center; }
  .needs-examples { justify-content: center; }
  .journey-hero { min-height: 690px; }
  .journey-hero-shade { background: linear-gradient(180deg, rgba(4,29,57,.92) 0%, rgba(4,29,57,.68) 47%, rgba(4,29,57,.08) 72%); }
  .journey-hero-copy { width: 100%; padding: 3.5rem 1.5rem 18rem; text-align: center; }
  .journey-hero-copy > p:not(.eyebrow) { margin-inline: auto; }
  .hero-trust-card { right: 1.25rem; bottom: 1.25rem; }
  .priority-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
@media (max-width: 620px) {
  header { min-height: 76px; padding: .35rem 1rem; }
  .logo { width: 142px; height: 60px; }
  .header-actions { gap: .35rem; }
  .site-nav a { min-height: 40px; padding: .55rem .7rem; font-size: .78rem; }
  .call-link { padding: .65rem .85rem; font-size: .88rem; }
  .call-link span { display: none; }
  h1 { font-size: 2.75rem; }
  .hero { padding-top: 3rem; }
  .primary-button { width: 100%; }
  .protection-uses { grid-template-columns: 1fr; }
  .hero-promise { display: grid; gap: .25rem; text-align: left; }
  .hero-promise span + span::before { content: none; }
  .plan-grid, .vision-grid, .final-example, .calculator-grid, .choice-grid-three, .form-grid { grid-template-columns: 1fr; }
  .plan-card .primary-button { align-self: stretch; }
  .review-section { padding-inline: .75rem; }
  .review-intro { padding-inline: .5rem; }
  .form-shell { padding: 1rem; border-radius: 19px; }
  .family-story { padding-inline: .75rem; }
  .family-story figure { border-width: 5px; border-radius: 20px; }
  .family-story img { height: 360px; object-position: 60% center; }
  .family-story figcaption { left: .75rem; right: .75rem; bottom: .75rem; max-width: none; }
  .legal-dialog { width: calc(100% - 1rem); max-height: 90vh; border-radius: 16px; }
  .legal-dialog-header, .legal-dialog-content { padding-inline: 1rem; }
  .journey-hero { min-height: 760px; }
  .journey-hero-image { object-position: 64% center; }
  .journey-hero-copy { padding: 3rem 1rem 21rem; }
  .journey-hero-copy h1 { font-size: 2.65rem; }
  .journey-hero-copy > p:not(.eyebrow) { font-size: 1rem; }
  .hero-trust-card { grid-template-columns: 72px minmax(0, 1fr); width: calc(100% - 1.5rem); right: .75rem; bottom: .75rem; padding: .85rem; }
  .hero-trust-card img { width: 72px; height: 94px; }
  .priority-grid { grid-template-columns: 1fr; }
  .priority-card { min-height: 86px; }
  .priority-transition { display: grid; }
}