:root{--navy:#102e55;--blue:#1769bb;--red:#e9282c;--muted:#53657b;--pale:#f2f7fc;--line:#e0e9f2}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font:16px/1.55 system-ui,-apple-system,'Segoe UI',sans-serif;color:var(--navy);background:#fff}a{color:inherit;text-decoration:none}button,input{font:inherit}button{cursor:pointer}.wrap{max-width:1180px;margin:auto;padding:0 22px}.top{position:sticky;top:0;z-index:20;background:#fff;border-bottom:1px solid var(--line);box-shadow:0 3px 14px #0a31570b}.nav{height:75px;display:flex;align-items:center;justify-content:space-between;gap:22px}.logo{font-size:30px;line-height:1;font-weight:850;letter-spacing:-1.5px;color:var(--red)}.logo small{display:block;color:#53657b;font-size:10px;letter-spacing:0;margin-top:5px}.links{display:flex;gap:20px;font-size:13px;font-weight:650}.links a:hover,.more:hover{color:var(--blue)}.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;border:0;border-radius:9px;background:var(--red);color:#fff;font-weight:700;padding:12px 20px}.btn:hover{background:#c91c22}.btn.outline{background:#fff;color:var(--blue);border:1px solid #93b9df}.hamb{display:none;border:0;background:none;font-size:26px}.hero{background:linear-gradient(120deg,#edf6ff,#fff 55%,#e2f0fb)}.hero-inner{display:grid;grid-template-columns:1.07fr .93fr;min-height:475px;align-items:center;gap:28px}.eyebrow{color:var(--blue);font-weight:750;font-size:13px;letter-spacing:.07em;text-transform:uppercase}.hero h1{font-size:clamp(34px,4.5vw,56px);line-height:1.12;letter-spacing:-1.5px;margin:12px 0 18px}.red{color:var(--red)}.hero p{font-size:19px;max-width:560px;color:#314c68}.actions{display:flex;gap:12px;flex-wrap:wrap;margin:25px 0}.hero-img{align-self:stretch;position:relative;min-height:380px;overflow:hidden;border-radius:0 0 28px 28px}.hero-img img{height:100%;width:100%;object-fit:cover;object-position:50% 28%}.hero-img:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,#edf6ff 0%,transparent 25%);pointer-events:none}.proof{display:flex;gap:17px;flex-wrap:wrap;font-size:12px;font-weight:650}.proof span{display:flex;align-items:center;gap:6px}.proof b{color:var(--blue);font-size:18px}section{padding:58px 0}.section-head{display:flex;align-items:center;justify-content:space-between;gap:14px;margin-bottom:22px}h2{font-size:clamp(25px,3vw,35px);line-height:1.2;margin:0}h3{line-height:1.25}.more{color:var(--blue);font-size:14px;font-weight:700}.muted{color:var(--muted)}.cards{display:grid;grid-template-columns:repeat(5,1fr);gap:14px}.card{border:1px solid var(--line);border-radius:15px;overflow:hidden;background:#fff;box-shadow:0 8px 25px #0b31570b}.card .photo{height:126px;background:#e8f1fa;display:grid;place-items:center;font-size:54px}.card .inside{padding:16px}.card h3{font-size:15px;margin:0 0 8px}.card p{font-size:13px;color:var(--muted);margin:0 0 13px}.card a{color:var(--blue);font-weight:700;font-size:13px}.soft{background:var(--pale)}.cols{display:grid;grid-template-columns:1.25fr .75fr;gap:22px}.panel{background:white;border:1px solid var(--line);border-radius:18px;padding:25px;box-shadow:0 10px 28px #0b315708}.feature{background:linear-gradient(125deg,#fff 35%,#e8f3ff);min-height:310px}.feature p{max-width:590px}.feature h2{margin:10px 0 16px}.agent{display:grid;grid-template-columns:1fr 160px;overflow:hidden;padding:0}.agent .details{padding:24px 0 24px 24px}.agent img{height:100%;width:100%;object-fit:cover;object-position:center 18%}.ticks{padding:0;list-style:none;font-size:14px}.ticks li{margin:9px 0}.ticks li:before{content:'✓';color:#008a77;font-weight:800;margin-right:8px}.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.step{background:white;border:1px solid var(--line);border-radius:14px;padding:19px}.step .num{display:inline-grid;place-items:center;background:var(--blue);color:white;border-radius:50%;width:31px;height:31px;font-weight:800}.step h3{font-size:15px}.step p{font-size:13px;color:var(--muted)}.stats{display:grid;grid-template-columns:repeat(2,1fr);gap:10px}.stat{background:#fff;border:1px solid var(--line);border-radius:12px;padding:17px}.stat strong{display:block;font-size:26px}.stat small{color:var(--muted)}.article-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:15px}.article{padding:22px}.article .tag{color:var(--blue);font-size:12px;font-weight:750}.article h3{margin:10px 0}.faq details{background:white;border:1px solid var(--line);border-radius:10px;margin-bottom:9px;padding:14px 18px}.faq summary{cursor:pointer;font-weight:650}.faq p{color:var(--muted);font-size:14px}.search{display:flex;gap:10px;margin:18px 0 0}.search input{width:100%;border:1px solid #c7d8e9;border-radius:9px;padding:13px 14px}.search-status{font-size:13px;color:var(--muted);min-height:18px}.contact{background:linear-gradient(120deg,#d9ebff,#f7fbff)}.contact-layout{display:grid;grid-template-columns:1fr 240px;gap:24px;align-items:center}.contact img{width:100%;height:280px;object-fit:cover;object-position:50% 22%;border-radius:18px}footer{background:#0e2846;color:#fff;padding:35px 0 100px}footer p{color:#c3d2e2;font-size:13px}.footlinks{display:flex;gap:22px;flex-wrap:wrap;font-size:13px}.sticky-cta{display:none}.notice{font-size:12px;color:#62748a}.hidden{display:none!important}
@media(max-width:850px){.links{display:none;position:absolute;top:74px;left:0;right:0;background:white;padding:20px;flex-direction:column;box-shadow:0 14px 18px #102e5522}.links.open{display:flex}.nav>.btn{display:none}.hamb{display:block}.hero-inner{grid-template-columns:1fr;gap:0}.hero-img{grid-row:1;height:360px;min-height:0;margin:0 -22px;border-radius:0}.hero-img:after{display:none}.hero-copy{padding:27px 0 34px}.hero h1{font-size:38px}.cards{display:flex;overflow-x:auto;scroll-snap-type:x mandatory;padding-bottom:12px}.card{min-width:220px;scroll-snap-align:start}.cols{grid-template-columns:1fr}.steps{grid-template-columns:repeat(2,1fr)}.article-grid{grid-template-columns:1fr 1fr}.sticky-cta{display:block;position:fixed;bottom:0;left:0;right:0;padding:10px 16px max(10px,env(safe-area-inset-bottom));background:#ffffffed;box-shadow:0 -5px 25px #102e5525;z-index:30}.sticky-cta .btn{width:100%}footer{padding-bottom:110px}}@media(max-width:520px){.wrap{padding:0 18px}.hero-img{height:325px;margin:0 -18px}.hero h1{font-size:33px}.hero p{font-size:16px}.hero .actions .btn{width:100%}section{padding:39px 0}.agent{grid-template-columns:1fr 130px}.agent .details{padding:16px 0 16px 16px}.agent img{object-position:55% 20%}.steps{grid-template-columns:1fr}.article-grid{grid-template-columns:1fr}.contact-layout{grid-template-columns:1fr}.contact img{height:240px}.panel{padding:18px}.stats .stat strong{font-size:23px}.proof{gap:10px}}

/* Mobile refinements v1.1 */
@media(max-width:520px){
  .nav{height:65px}.logo{font-size:26px}.logo small{font-size:9px;max-width:225px;line-height:1.2}
  .section-head{align-items:flex-start;gap:10px}.section-head h2{font-size:24px}.section-head .more{font-size:12px;flex-shrink:0;max-width:105px;text-align:right}
  .cards{gap:10px;margin-right:-18px;padding-right:18px;padding-bottom:12px;scroll-padding-left:0}
  .card{min-width:178px;width:178px;flex:0 0 178px}.card .photo{height:96px;font-size:42px}.card .inside{padding:12px}.card h3{font-size:14px;overflow-wrap:anywhere}.card p{font-size:13px;line-height:1.45}
  .steps{position:relative;gap:0;margin:10px 0 15px;padding-left:8px}
  .steps:before{content:'';position:absolute;top:27px;bottom:29px;left:25px;width:2px;background:#b5d6f5}
  .step{position:relative;border:0;border-bottom:1px solid var(--line);border-radius:0;box-shadow:none;padding:12px 10px 12px 50px;min-height:0}
  .step:last-child{border-bottom:0}.step .num{position:absolute;top:14px;left:0;width:35px;height:35px;z-index:1}
  .step h3{font-size:16px;margin:0 0 6px}.step p{font-size:14px;line-height:1.55;margin:0;color:#344b64}
  .sticky-cta{padding:6px 12px max(6px,env(safe-area-inset-bottom));background:#fffffff5}
  .sticky-cta .btn{padding:9px 14px;font-size:14px;min-height:42px}
  body{padding-bottom:66px}.feature p,.panel p{line-height:1.65}
  .hero-copy{padding-bottom:28px}.hero h1{font-size:31px}
  section{padding:32px 0}.panel{padding:16px}.cols{gap:14px}
}
/* Version 1.2: actual-device refinements */
@media(max-width:850px){
 .links{gap:0;padding:10px 18px 14px;max-height:calc(100dvh - 74px);overflow-y:auto}
 .links a{display:block;padding:11px 8px;border-bottom:1px solid #e9eff6;font-size:15px}
 .links a:last-child{border-bottom:0}
 .hamb{min-width:44px;min-height:44px;display:grid;place-items:center;line-height:1}
 .muted,.card p,.step p,.faq p,.notice{color:#34465c}
 .sticky-cta{padding:5px 12px max(5px,env(safe-area-inset-bottom));box-shadow:0 -2px 12px #102e5519}
 .sticky-cta .btn{min-height:42px;padding:9px 14px;font-size:14px}
 body{padding-bottom:76px}
 section[id]{scroll-margin-top:82px}
}
@media(max-width:520px){
 .hero-img{height:235px;min-height:0}
 .hero-img img{object-position:50% 26%}
 .hero-copy{padding-top:18px;padding-bottom:24px}
 .hero h1{font-size:30px;line-height:1.16}
 .hero p{color:#2d435c}
 .eyebrow{font-size:11px;line-height:1.5}
 .nav{height:65px}
 .links{top:65px;max-height:calc(100dvh - 65px)}
 .step p,.panel p{color:#33465e}
 .sticky-cta{padding:5px 12px max(5px,env(safe-area-inset-bottom))}
 .sticky-cta .btn{min-height:40px;padding:8px 12px;font-size:14px}
}
.agent-contact-card{margin-top:20px;padding:20px;border:1px solid #bfd6ec;border-radius:16px;background:#ffffffdb}.agent-contact-card h3{margin:0 0 5px;font-size:21px}.agent-contact-card p{margin:9px 0;font-size:15px}.agent-contact-card p a{color:#125a9b;text-decoration:underline;text-underline-offset:3px;overflow-wrap:anywhere}.contact-actions{display:flex;gap:10px;flex-wrap:wrap;margin:16px 0}.contact-actions .btn{font-size:14px;padding:11px 15px}.sticky-cta.cta-hidden{display:none!important}@media(max-width:520px){.agent-contact-card{padding:16px}.contact-actions{flex-direction:column}.contact-actions .btn{width:100%}}

.page-hero{background:linear-gradient(120deg,#e9f4ff,#fff);padding:62px 0}.page-hero h1{font-size:clamp(30px,4vw,48px);line-height:1.15;max-width:850px}.page-hero p{font-size:18px;max-width:800px}.readable{max-width:920px;margin:auto}.readable h2{margin:30px 0 14px}.readable p,.readable li{line-height:1.8}.compare{width:100%;border-collapse:collapse;margin:22px 0}.compare th,.compare td{border:1px solid #dce7f1;padding:13px;text-align:left;vertical-align:top}.compare th{background:#eaf4ff}.note{padding:18px;border-left:4px solid #1769bb;background:#f2f7fc;border-radius:8px;margin:22px 0}.case{background:#fff;border:1px solid #e0e9f2;border-radius:14px;padding:22px;margin:16px 0}.case h3{margin-top:0}.breadcrumbs{font-size:14px;color:#53657b}.readable ul{padding-left:23px}section[id]{scroll-margin-top:95px}@media(max-width:620px){.compare{font-size:13px}.compare th,.compare td{padding:8px}.page-hero{padding:36px 0}.case{padding:16px}}

/* Version 1.5: mobile-first comparison cards */
.compare-mobile{display:none}
@media(max-width:620px){
 .compare-main{display:none}
 .compare-mobile{display:grid;gap:14px;margin:20px 0 30px}
 .compare-card{border:1px solid var(--line);border-radius:15px;padding:16px;background:#fff;box-shadow:0 5px 18px #102e5509}
 .compare-card h3{font-size:19px;line-height:1.3;margin:0 0 13px;color:var(--navy)}
 .compare-item{padding:12px 14px;background:#f2f7fc;border-radius:10px;margin-top:9px}
 .compare-item strong{display:block;color:#145b9b;font-size:14px;line-height:1.45;margin-bottom:4px}
 .compare-item p{margin:0;font-size:15px;line-height:1.55;color:#243e5a;overflow-wrap:anywhere}
}

.agent-facts{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;margin:20px 0}.agent-facts>div{padding:14px 10px;background:#f2f7fc;border-radius:10px;text-align:center}.agent-facts strong{display:block;font-size:22px;color:#102e55}.agent-facts small{display:block;color:#53657b;font-size:12px}@media(max-width:620px){.agent-facts{grid-template-columns:repeat(2,1fr)}.readable p,.readable li{overflow-wrap:anywhere}}


.agent-contact-card{margin:20px 0;padding:22px;border:1px solid #bfd6ec;border-radius:16px;background:#f4f8fc}.agent-contact-card h3{margin:0 0 9px;font-size:20px}.agent-contact-card p{margin:0 0 15px;color:#34465c}.agent-contact-card .contact-actions{display:flex;flex-wrap:wrap;gap:10px}.agent-contact-card .btn{font-size:14px;padding:11px 15px}@media(max-width:520px){.agent-contact-card{padding:17px}.agent-contact-card .contact-actions{flex-direction:column}.agent-contact-card .btn{width:100%}}