:root{--navy:#061d3a;--blue:#1b6ed1;--blue2:#4f9af0;--ink:#13243a;--muted:#69788b;--line:#dce4ed;--paper:#f7f9fc;--white:#fff}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:"DM Sans",sans-serif;color:var(--ink);background:#fff;line-height:1.6}.wrap{width:min(1180px,92%);margin:auto}
.topbar{background:var(--navy);color:#d6e2f0;font-size:12px}.topbar-inner{height:38px;display:flex;justify-content:space-between;align-items:center}.topbar a{color:#fff}.topbar b{margin-left:8px;color:#72b0f6}
.header{height:88px;border-bottom:1px solid rgba(220,228,237,.75);background:rgba(255,255,255,.94);backdrop-filter:blur(14px);position:sticky;top:0;z-index:50}.nav{height:100%;display:flex;align-items:center;justify-content:space-between}.brand img{height:64px;width:auto;display:block}.links{display:flex;align-items:center;gap:30px;font-size:13px;font-weight:700;color:#3d4d62}.links a{transition:.2s}.links a:hover{color:var(--blue)}.nav-button{background:var(--navy);color:#fff!important;padding:12px 20px;border-radius:6px}.menu{display:none;background:none;border:0;font-size:25px;color:var(--navy)}
.hero{position:relative;overflow:hidden;min-height:760px;padding:82px 0 80px;background:#071d38}.hero-photo{position:absolute;inset:0;background-image:url("family-hero.jpg");background-size:cover;background-position:center 43%;animation:heroSlides 18s infinite ease-in-out}
.hero-overlay{position:absolute;inset:0;background:linear-gradient(90deg,rgba(3,20,40,.91) 0%,rgba(4,25,47,.72) 38%,rgba(3,22,42,.27) 68%,rgba(3,18,35,.56) 100%),linear-gradient(0deg,rgba(3,19,37,.42),rgba(3,19,37,.05))}
@keyframes heroSlides{
  0%,27%{background-image:url("family-hero.jpg")}
  33%,60%{background-image:url("family-hero-2.jpg")}
  66%,94%{background-image:url("family-hero-3.jpg")}
  100%{background-image:url("family-hero.jpg")}
}.hero-grid{display:grid;grid-template-columns:1.05fr .8fr;gap:80px;align-items:center;position:relative;z-index:2}.kicker{font-size:11px;font-weight:800;letter-spacing:.17em;color:var(--blue);margin-bottom:18px}.kicker span{display:inline-block;width:25px;height:1px;background:var(--blue);vertical-align:middle;margin-right:10px}.hero h1{font-family:"Manrope",sans-serif;font-size:clamp(46px,5.7vw,75px);line-height:1.02;letter-spacing:-.055em;color:#fff;margin:0 0 27px;font-weight:800;text-shadow:0 3px 18px rgba(0,0,0,.18)}.hero h1 em,.section h2 em,.dark-section h2 em,.center-head h2 em{font-style:normal;color:#4e9bf1}.lead{font-size:18px;line-height:1.75;color:#edf4fb;max-width:630px;margin:0 0 30px}.actions{display:flex;gap:12px;flex-wrap:wrap}.button{display:inline-flex;align-items:center;gap:28px;padding:15px 20px;border-radius:5px;font-size:13px;font-weight:800;transition:.2s;border:1px solid transparent}.button:hover{transform:translateY(-2px)}.button span{font-size:17px}.primary{background:var(--blue);color:#fff;box-shadow:0 12px 25px rgba(27,110,209,.2)}.ghost{border-color:#cbd7e4;background:#fff;color:var(--navy)}.hero-call{border-color:rgba(255,255,255,.75);background:rgba(5,28,55,.15);color:#fff;backdrop-filter:blur(6px)}.trust{display:flex;align-items:center;gap:12px;margin-top:34px}.trust small,.trust strong{display:block}.trust strong{font-size:12px}.trust small{font-size:11px;color:var(--muted)}.avatars{display:flex}.avatars i{width:25px;height:25px;border-radius:50%;border:2px solid #fff;background:#9db2ca;margin-right:-6px}.avatars i:nth-child(2){background:#6788ab}.avatars i:nth-child(3){background:#d0a883}
.hero-panel{background:#fff;border:1px solid #d8e2ec;box-shadow:0 25px 70px rgba(9,40,74,.13);padding:31px;border-radius:10px;position:relative}.panel-accent{position:absolute;left:0;top:25px;width:3px;height:50px;background:var(--blue)}.panel-head{display:flex;justify-content:space-between;align-items:center;font-size:10px;font-weight:900;letter-spacing:.14em;color:var(--blue);margin-bottom:18px}.panel-head small{color:#9aa8b7}.status{display:inline-block;width:7px;height:7px;border-radius:50%;background:#41ad79;margin-right:7px}.hero-panel h2{font-family:"Manrope",sans-serif;font-size:28px;line-height:1.15;letter-spacing:-.03em;color:var(--navy);margin:0 0 9px}.hero-panel>p{font-size:13px;color:var(--muted);margin:0 0 22px}.hero-panel form{display:grid;grid-template-columns:1fr 1fr;gap:13px}.field label{display:block;font-size:10px;text-transform:uppercase;letter-spacing:.08em;font-weight:800;color:#506177;margin-bottom:5px}.field input,.field select{width:100%;height:44px;border:1px solid #d7e1eb;background:#fbfcfe;border-radius:4px;padding:0 12px;font:inherit;font-size:13px;color:var(--ink);outline:none}.field input:focus,.field select:focus{border-color:var(--blue);box-shadow:0 0 0 3px rgba(27,110,209,.08)}.full{grid-column:1/-1}.hero-panel .button{width:100%;justify-content:space-between;margin-top:2px}.privacy{grid-column:1/-1;font-size:9px;color:#8794a4;text-align:center}.privacy span{color:#42a879;font-weight:900}
.marquee{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:#fff}.marquee-inner{height:65px;display:flex;align-items:center;justify-content:space-between;color:#8492a3;font-size:10px;letter-spacing:.18em;font-weight:800}.marquee b{color:#c0cad4}
.section{padding:105px 0}.split-head{display:grid;grid-template-columns:1fr .8fr;gap:100px;align-items:end;margin-bottom:48px}.section h2,.center-head h2{font-family:"Manrope",sans-serif;font-size:clamp(38px,4vw,55px);line-height:1.07;letter-spacing:-.05em;color:var(--navy);margin:0}.split-head>p{color:var(--muted);font-size:15px;line-height:1.8;margin:0}.feature-grid{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.feature{padding:32px 30px 35px;border-right:1px solid var(--line)}.feature:last-child{border-right:0}.feature.featured{background:#f7faff}.number{font-size:10px;font-weight:900;color:var(--blue);letter-spacing:.1em}.line{height:1px;background:#c9d5e1;width:30px;margin:22px 0}.feature h3{font-family:"Manrope",sans-serif;font-size:22px;color:var(--navy);margin:0 0 10px}.feature p{font-size:13px;color:var(--muted);line-height:1.8;min-height:70px}.feature-link{font-size:11px;font-weight:800;color:var(--blue)}
.dark-section{background:var(--navy);color:#fff;padding:105px 0}.coverage-grid{display:grid;grid-template-columns:.9fr 1fr;gap:100px;align-items:center}.light-kicker{color:#81b7f2}.dark-section h2{font-family:"Manrope",sans-serif;font-size:clamp(40px,4.5vw,60px);line-height:1.05;letter-spacing:-.05em;margin:0 0 22px}.dark-section p{color:#adbed2;font-size:15px;line-height:1.8;max-width:560px}.light-button{background:#fff;color:var(--navy);margin-top:18px}.coverage-cards{display:flex;flex-direction:column;gap:10px}.coverage-card{display:flex;gap:20px;align-items:center;border:1px solid rgba(255,255,255,.13);padding:23px;border-radius:6px;background:rgba(255,255,255,.035)}.mini-icon{width:40px;height:40px;display:grid;place-items:center;border:1px solid rgba(255,255,255,.22);color:#8fc4fb;border-radius:5px}.coverage-card h3{font-size:15px;color:#fff;margin:0 0 3px}.coverage-card p{font-size:11px;margin:0;color:#8fa5bd}
.process-section{background:#f7f9fc}.center-head{text-align:center;margin-bottom:55px}.timeline{max-width:880px;margin:auto;border-top:1px solid var(--line)}.timeline-item{display:grid;grid-template-columns:80px 1fr;gap:30px;padding:30px 0;border-bottom:1px solid var(--line)}.timeline-item>span{font-size:11px;color:var(--blue);font-weight:900;letter-spacing:.1em}.timeline-item h3{font-family:"Manrope",sans-serif;font-size:20px;color:var(--navy);margin:0 0 7px}.timeline-item p{font-size:13px;color:var(--muted);margin:0;max-width:680px}
.quote-section{background:#fff;padding:90px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.quote-inner{max-width:880px;text-align:center}.quote-mark{font-family:Georgia,serif;font-size:80px;color:#c8dff7;height:55px}.quote-inner blockquote{font-family:"Manrope",sans-serif;font-size:clamp(24px,3vw,37px);line-height:1.35;letter-spacing:-.03em;color:var(--navy);margin:20px 0 25px}.signature{font-size:11px;font-weight:800;letter-spacing:.05em;color:#64758a}.signature span{color:var(--blue);padding:0 8px}
.faq-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:100px}.faq-intro{font-size:14px;color:var(--muted);margin:20px 0}.text-cta{font-size:12px;font-weight:800;color:var(--blue)}.faq details{border-top:1px solid var(--line);padding:21px 0}.faq details:last-child{border-bottom:1px solid var(--line)}.faq summary{cursor:pointer;list-style:none;font-family:"Manrope",sans-serif;font-size:15px;font-weight:700;color:var(--navy);display:flex;justify-content:space-between}.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:"+";color:var(--blue);font-size:20px}.faq details[open] summary:after{content:"−"}.faq p{font-size:13px;color:var(--muted);line-height:1.8;margin:12px 20px 0 0}
.closing{background:linear-gradient(115deg,#0b3260,#082143);padding:65px 0;color:#fff}.closing-inner{display:grid;grid-template-columns:110px 1fr auto;gap:35px;align-items:center}.closing-logo{border-right:1px solid rgba(255,255,255,.16);padding-right:25px}.closing-logo img{width:85px;filter:brightness(0) invert(1);opacity:.9}.closing h2{font-family:"Manrope",sans-serif;font-size:34px;line-height:1.12;letter-spacing:-.04em;margin:0;max-width:600px}.closing .button{white-space:nowrap}.closing .light-kicker{margin:0 0 9px}
footer{background:#04162c;color:#9badc1;padding:42px 0}.footer-grid{display:grid;grid-template-columns:1.4fr .7fr 1fr;gap:70px}.footer-logo{height:50px;filter:brightness(0) invert(1);margin-bottom:12px}.footer-grid p{font-size:11px;line-height:1.7;margin:0;max-width:380px}.footer-grid span{display:block;color:#fff;font-size:9px;letter-spacing:.15em;font-weight:900;margin-bottom:14px}.footer-grid a{display:block;color:#b9c9da;font-size:11px;margin:8px 0}
@media(max-width:900px){.hero-grid,.coverage-grid,.split-head,.faq-grid{grid-template-columns:1fr;gap:45px}.feature-grid{grid-template-columns:1fr}.feature{border-right:0;border-bottom:1px solid var(--line)}.feature:last-child{border-bottom:0}.closing-inner{grid-template-columns:1fr}.closing-logo{border-right:0;padding:0}.links{display:none;position:absolute;top:126px;left:0;right:0;background:#fff;padding:20px 5%;flex-direction:column;align-items:stretch;border-bottom:1px solid var(--line)}.links.open{display:flex}.nav-button{text-align:center}.menu{display:block}.marquee-inner{overflow:hidden;gap:20px;justify-content:flex-start;white-space:nowrap}.hero-grid{gap:55px}}
@media(max-width:600px){.topbar-inner{height:auto;padding:8px 0;gap:10px}.topbar-inner span{display:none}.header{height:78px}.brand img{height:54px;max-width:205px}.links{top:116px}.hero{padding:60px 0}.hero h1{font-size:46px}.hero-panel{padding:24px}.hero-panel form{grid-template-columns:1fr}.full{grid-column:auto}.section,.dark-section{padding:70px 0}.split-head{margin-bottom:32px}.timeline-item{grid-template-columns:45px 1fr;gap:15px}.closing h2{font-size:28px}.footer-grid{grid-template-columns:1fr;gap:30px}}

.hero-kicker{color:#fff}.hero-kicker span{background:#fff}
.hero-mini{display:flex;flex-direction:column;margin-top:30px;color:#fff}.hero-mini strong{font-size:13px}.hero-mini span{font-size:11px;color:#d4e1ee}
.hero-panel{border-radius:12px;background:rgba(255,255,255,.97)}
.hero-benefits{background:#061d3a;color:#fff;border-bottom:1px solid rgba(255,255,255,.1)}
.benefits-grid{display:grid;grid-template-columns:repeat(4,1fr)}
.benefits-grid>div{min-height:112px;padding:22px 25px;display:flex;align-items:center;gap:15px;border-right:1px solid rgba(255,255,255,.15)}
.benefits-grid>div:last-child{border-right:0}
.benefit-icon{width:45px;height:45px;border:1px solid #8abcf0;border-radius:50%;display:grid;place-items:center;color:#fff;font-weight:800;font-size:18px;flex:none}
.benefits-grid strong{display:block;font-size:11px;letter-spacing:.04em}
.benefits-grid small{display:block;font-size:10px;color:#aabdd2;margin-top:4px;line-height:1.4}
.marquee{display:none}
@media(max-width:900px){
  .hero{min-height:auto}.hero-grid{gap:45px}.benefits-grid{grid-template-columns:1fr 1fr}.benefits-grid>div:nth-child(2){border-right:0}.benefits-grid>div:nth-child(-n+2){border-bottom:1px solid rgba(255,255,255,.15)}
}
@media(max-width:600px){
  .hero{padding:55px 0 60px}.hero-photo{background-position:center}.hero-overlay{background:linear-gradient(90deg,rgba(3,20,40,.89),rgba(3,20,40,.66))}
  .benefits-grid{grid-template-columns:1fr}.benefits-grid>div{border-right:0!important;border-bottom:1px solid rgba(255,255,255,.15)}.benefits-grid>div:last-child{border-bottom:0}
}

.form-message{display:none;font-size:13px;margin:0 0 14px;padding:12px 14px;border-radius:5px;background:#edf8f1;color:#17643a}
.form-message[data-fs-active]{display:block}
.form-message.error{background:#fff0f0;color:#9b2525}
.field-error{display:block;font-size:9px;color:#b3261e;margin-top:3px}
[data-fs-field][aria-invalid="true"]{border-color:#c93030!important}