:root{--navy:#16337A;--navy-d:#0B1F4D;--red:#D9232D;--ink:#16202B;--muted:#5C6B78;--faint:#8A96A3;--border:#E3E8EF;--soft:#F5F7FB;--green:#1E7B3C}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:Inter,system-ui,-apple-system,'Segoe UI',sans-serif;color:var(--ink);font-size:16px;line-height:1.6;-webkit-font-smoothing:antialiased}
a{color:var(--navy)} img{max-width:100%;display:block}
.wrap{max-width:1200px;margin:0 auto;padding:0 22px}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:8px 12px;z-index:100}.skip:focus{left:10px}
:focus-visible{outline:3px solid #FFB020;outline-offset:2px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:6px;padding:11px 20px;border-radius:8px;font-weight:700;font-size:15px;text-decoration:none;border:1px solid transparent;cursor:pointer;font-family:inherit;transition:.15s;white-space:nowrap}
.btn.sm{padding:8px 14px;font-size:14px}.btn.lg{padding:14px 24px;font-size:16px}
.btn.red{background:var(--red);color:#fff}.btn.red:hover{background:#BE1C25}
.btn.navy{background:var(--navy);color:#fff}
.btn.ghost{background:#fff;color:var(--navy);border-color:var(--border)}.btn.ghost:hover{border-color:var(--navy)}
.btn.ghost-w{background:transparent;color:#fff;border-color:rgba(255,255,255,.5)}.btn.ghost-w:hover{background:rgba(255,255,255,.1)}
.btn.white{background:#fff;color:var(--navy)}.btn.wa{background:#25D366;color:#fff}
.btn.review{background:#fff;color:#16202B;margin-top:12px}
.kicker{font-size:12.5px;font-weight:700;letter-spacing:1.4px;text-transform:uppercase;color:var(--red);margin-bottom:10px}.kicker.light{color:#FF9AA0}
h1,h2,h3{color:var(--navy-d);letter-spacing:-.02em;line-height:1.15}
h2{font-size:clamp(26px,3.2vw,38px);margin-bottom:12px}h3{font-size:18px;margin-bottom:6px}
.lead{font-size:18px;color:var(--muted)}.muted{color:var(--muted)}.small{font-size:13px}
section{padding:72px 0}section.alt{background:var(--soft)}
.sh{margin-bottom:30px;max-width:760px}.sh.center{margin:0 auto 30px;text-align:center}
/* top bar & header */
.topbar{background:var(--navy-d);color:#C9D3E8;font-size:13px}
.tb{display:flex;justify-content:space-between;gap:10px;padding:7px 22px;flex-wrap:wrap}.tb-r{display:flex;gap:16px}.tb a{color:#fff;text-decoration:none;font-weight:500}
.hdr{position:sticky;top:0;z-index:40;background:rgba(255,255,255,.97);backdrop-filter:blur(8px);border-bottom:1px solid var(--border)}
.hdr-in{display:flex;align-items:center;gap:18px;height:76px}.logo img{height:58px;width:auto}
.nav{display:flex;gap:2px;margin-left:8px}
.mm{position:relative}.mm-btn{background:none;border:0;font:500 15px Inter,sans-serif;color:var(--ink);padding:10px 12px;border-radius:6px;cursor:pointer;display:flex;gap:6px;align-items:center}
.mm-btn i{font-style:normal;font-size:10px;color:var(--faint)}.mm.on .mm-btn,.mm:hover .mm-btn{color:var(--navy);background:var(--soft)}
.mm-panel{position:absolute;top:100%;left:0;min-width:560px;background:#fff;border:1px solid var(--border);border-radius:12px;box-shadow:0 24px 50px rgba(11,31,77,.15);padding:8px;display:none;grid-template-columns:1fr 1fr;gap:2px;z-index:50}
.mm:hover .mm-panel,.mm:focus-within .mm-panel{display:grid}
.mm-panel a{display:block;padding:10px 12px;border-radius:8px;text-decoration:none}.mm-panel a:hover{background:var(--soft)}
.mm-panel b{display:block;color:var(--navy-d);font-size:14.5px}.mm-panel span{font-size:12.5px;color:var(--muted)}
.hdr-cta{margin-left:auto;display:flex;gap:8px}
.burger{display:none;margin-left:auto;border:1px solid var(--border);background:#fff;border-radius:8px;width:44px;height:44px;font-size:20px;cursor:pointer}
.mnav{display:none}
@media(max-width:1080px){.nav,.hdr-cta{display:none}.burger{display:block}.tb-l{display:none}
 body.menu .mnav{display:grid;gap:2px;padding:8px 22px 18px;border-top:1px solid var(--border);background:#fff;max-height:75vh;overflow:auto}
 .mnav summary{padding:12px 4px;font-weight:700;cursor:pointer;border-bottom:1px solid var(--soft)}.mnav details a,.mnav .mlink{display:block;padding:10px 12px;text-decoration:none;color:var(--ink)}.mnav .btn{color:#fff;margin-top:8px}}
/* heroes */
.hero{background:radial-gradient(circle at 85% 10%,rgba(217,35,45,.28),transparent 40%),radial-gradient(circle at 10% 90%,rgba(126,162,240,.18),transparent 40%),linear-gradient(135deg,#0B1F4D,#16337A);color:#fff;padding:84px 0 92px}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center}
.hero h1{color:#fff;font-size:clamp(34px,4.6vw,58px);margin-bottom:18px}.hero h1 span{color:#FFC2C5}
.hero .lead{color:#D5DEEE;max-width:600px;margin-bottom:28px}
.hero-btns{display:flex;gap:10px;flex-wrap:wrap}
.hero-trust{display:flex;gap:18px;flex-wrap:wrap;margin-top:26px;font-size:14px;color:#C9D3E8}
.hero-card{background:#fff;border-radius:16px;padding:10px;box-shadow:0 30px 70px rgba(0,0,0,.3)}
.hc-title{font-size:12px;font-weight:700;letter-spacing:1.2px;text-transform:uppercase;color:var(--muted);padding:10px 14px 6px}
.hc-row{display:grid;grid-template-columns:1fr auto;padding:14px;border-radius:10px;text-decoration:none;color:var(--ink);border-top:1px solid var(--soft)}
.hc-row:hover{background:var(--soft)}.hc-row b{font-size:16px;color:var(--navy-d)}.hc-row span{grid-column:1;font-size:13.5px;color:var(--muted)}.hc-row i{grid-row:1/3;grid-column:2;align-self:center;font-style:normal;color:var(--red);font-weight:700;font-size:20px}
.hc-review{display:flex;gap:8px;align-items:center;margin:8px;padding:10px 12px;border-radius:10px;background:#FFF8E6;color:#B07A00;text-decoration:none;font-weight:700}.hc-review span{color:#5C4A12;font-weight:600;font-size:13.5px}
@media(max-width:900px){.hero-grid{grid-template-columns:1fr}}
.phero{background:linear-gradient(135deg,#0B1F4D,#16337A);color:#fff;padding:52px 0 60px}
.phero h1{color:#fff;font-size:clamp(30px,4vw,48px);max-width:880px;margin-bottom:12px}
.phero p{color:#D5DEEE;font-size:18px;max-width:780px;margin-bottom:22px}.phero .kicker{color:#FF9AA0}.phero.small{padding:44px 0}.phero.small p{font-size:14px;margin:0}
.crumbs{font-size:13px;color:#AFC0DD;margin-bottom:14px}.crumbs a{color:#DCE6F8;text-decoration:none}.crumbs span{margin:0 4px;color:#8EA0C2}
/* partners */
.partners{padding:26px 0;border-bottom:1px solid var(--border)}.partners p{text-align:center;font-size:12.5px;color:var(--muted);font-weight:700;letter-spacing:.8px;text-transform:uppercase;margin-bottom:14px}
.plogos{display:flex;flex-wrap:wrap;justify-content:center;gap:34px;align-items:center}.plogos img{height:36px;width:auto;opacity:.9}
/* cards */
.cards{display:grid;gap:16px}.cards.c4{grid-template-columns:repeat(4,1fr)}.cards.c3{grid-template-columns:repeat(3,1fr)}
@media(max-width:1000px){.cards.c4{grid-template-columns:1fr 1fr}.cards.c3{grid-template-columns:1fr 1fr}}@media(max-width:600px){.cards.c4,.cards.c3{grid-template-columns:1fr}}
.card{display:block;background:#fff;border:1px solid var(--border);border-radius:14px;padding:22px;text-decoration:none;color:var(--ink);transition:.15s}
a.card:hover{border-color:var(--navy);box-shadow:0 14px 34px rgba(22,51,122,.1);transform:translateY(-2px)}
.card .ic{font-size:28px;margin-bottom:10px}.card p{color:var(--muted);font-size:15px;margin-bottom:10px}.card span{color:var(--red);font-weight:700;font-size:14px}
/* layout helpers */
.split{display:grid;grid-template-columns:.8fr 1.2fr;gap:48px;align-items:center}.split2{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
@media(max-width:900px){.split,.split2{grid-template-columns:1fr;gap:30px}}
.founder img{border-radius:18px;box-shadow:0 24px 60px rgba(11,31,77,.18);aspect-ratio:4/5;object-fit:cover;width:100%;background:var(--soft)}
.ticks{list-style:none;margin:16px 0 22px;display:grid;gap:10px}.ticks li{padding-left:30px;position:relative;color:#3D4A57}
.ticks li::before{content:'✓';position:absolute;left:0;top:1px;width:20px;height:20px;border-radius:50%;background:#FDE8E9;color:var(--red);font-weight:800;font-size:12px;display:flex;align-items:center;justify-content:center}
.note{font-size:14px;color:var(--muted);background:var(--soft);border-left:3px solid var(--navy);padding:10px 14px;border-radius:4px;margin-top:12px}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.steps div{background:#fff;border:1px solid var(--border);border-radius:14px;padding:22px}
.steps b{display:inline-flex;width:36px;height:36px;border-radius:50%;background:var(--navy);color:#fff;align-items:center;justify-content:center;margin-bottom:12px}.steps p{color:var(--muted);font-size:15px}
@media(max-width:900px){.steps{grid-template-columns:1fr 1fr}}@media(max-width:560px){.steps{grid-template-columns:1fr}}
/* quote */
.qsec{padding:34px 0 20px;background:var(--soft)}.qhead{margin-bottom:14px}.qhead h2{font-size:24px;margin-bottom:4px}.qhead p{color:var(--muted)}
.quote-frame{background:#fff;border-radius:16px;box-shadow:0 20px 60px rgba(11,31,77,.12);overflow:hidden;scroll-margin-top:96px}.quote-frame iframe{width:100%;border:0;min-height:1150px;display:block}
/* faq */
.faq{display:grid;gap:10px}.faq details{border:1px solid var(--border);border-radius:10px;padding:14px 16px;background:#fff}
.faq summary{font-weight:700;color:var(--navy-d);cursor:pointer}.faq details div{margin-top:8px;color:#3D4A57;font-size:15px}
/* forms */
.lform{display:grid;gap:12px;background:#fff;border:1px solid var(--border);border-radius:16px;padding:24px;box-shadow:0 14px 40px rgba(11,31,77,.07)}
.lform h3{font-size:20px}.lform label{display:grid;gap:6px;font-weight:600;font-size:14px;color:var(--muted)}
.lform input,.lform select,.lform textarea{border:1px solid var(--border);border-radius:8px;padding:11px 12px;font:500 15px Inter,sans-serif;color:var(--ink);background:#fff;width:100%}
.lform input:focus,.lform select:focus,.lform textarea:focus{outline:none;border-color:var(--navy);box-shadow:0 0 0 3px rgba(22,51,122,.12)}
.g2{display:grid;grid-template-columns:1fr 1fr;gap:12px}@media(max-width:560px){.g2{grid-template-columns:1fr}}
.lform .chk{display:flex;gap:10px;font-weight:400;align-items:flex-start;font-size:13.5px}.lform .chk input{width:18px;height:18px;margin-top:2px;flex:none}
.hp{position:absolute;left:-9999px}.ferr{color:#B3261E;font-size:14px}.fok{color:var(--green);font-weight:700}
.cinfo{display:grid;gap:12px}.cbox{display:grid;background:var(--soft);border-radius:12px;padding:18px;text-decoration:none;color:var(--ink)}.cbox b{color:var(--navy-d)}.cbox span{color:var(--muted)}
/* related, review, join */
.related h3{margin-bottom:12px}.related div{display:flex;flex-wrap:wrap;gap:10px}.related a{padding:10px 14px;border:1px solid var(--border);border-radius:10px;text-decoration:none;font-weight:600;background:#fff}.related a span{color:var(--red)}
.review-band{display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap}.rb-btns{display:flex;gap:10px;flex-wrap:wrap}
.review-cta{text-align:center;background:#fff;border:1px solid var(--border);border-radius:16px;padding:30px}.stars{font-size:34px;color:#F5B400;letter-spacing:4px}.review-cta p{margin:8px 0}
.join-band{background:linear-gradient(135deg,#0B1F4D,#16337A);color:#fff}.join-in{display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap}.join-band h2{color:#fff}.join-band p{color:#D5DEEE;max-width:640px}
/* blog & legal */
.post{display:block;background:#fff;border:1px solid var(--border);border-radius:14px;padding:22px;text-decoration:none;color:var(--ink)}.post:hover{border-color:var(--navy)}
.post .tag{font-size:12px;font-weight:700;color:var(--red);text-transform:uppercase;letter-spacing:.8px}.post h3{margin:6px 0}.post p{color:var(--muted);font-size:15px}.post small{color:var(--faint)}
.article{max-width:780px}.article h2{font-size:24px;margin:30px 0 10px;scroll-margin-top:100px}.article p,.article li{color:#2E3A47;font-size:16.5px;margin-bottom:10px}.article ul{padding-left:22px}
.art-cta{margin-top:30px;background:var(--soft);border-radius:12px;padding:18px 20px;display:grid;gap:4px}
.legal{display:grid;grid-template-columns:240px 1fr;gap:40px;align-items:start}.toc{position:sticky;top:100px;display:grid;gap:6px;font-size:14px;border-left:2px solid var(--border);padding-left:14px}.toc a{text-decoration:none;color:var(--muted)}.toc a:hover{color:var(--navy)}
@media(max-width:900px){.legal{grid-template-columns:1fr}.toc{position:static}}
/* cta + footer */
.cta-band{background:var(--red);color:#fff;padding:48px 0}.cta-in{display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap}
.cta-band h2{color:#fff;margin-bottom:4px}.cta-band p{color:#FFE1E3}.cta-btns{display:flex;gap:10px;flex-wrap:wrap}
.ftr{background:var(--navy-d);color:#B9C4D9;padding:56px 0 90px;font-size:14.5px}
.ftr-top{display:grid;grid-template-columns:1.2fr 2.8fr;gap:36px}.ftr-cols{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
@media(max-width:900px){.ftr-top{grid-template-columns:1fr}.ftr-cols{grid-template-columns:1fr 1fr}}
.ftr h4{color:#fff;font-size:13px;letter-spacing:1px;text-transform:uppercase;margin-bottom:12px}.ftr a{display:block;color:#B9C4D9;text-decoration:none;padding:3px 0}.ftr a:hover{color:#fff}
.flogo{height:62px;width:auto;background:#fff;border-radius:8px;padding:4px 8px;margin-bottom:12px}.ftr .small{margin-top:10px}.ftr .small a,.ftr .social a{display:inline;color:#fff}
.ftr-legal{display:flex;flex-wrap:wrap;gap:4px 18px;border-top:1px solid rgba(255,255,255,.12);margin-top:30px;padding-top:18px}.ftr-legal a{font-size:13.5px}
.fbot{font-size:12.5px;color:#8E9BB5;margin-top:12px;line-height:1.55}
.mbar{display:none}
@media(max-width:760px){.mbar{display:grid;grid-template-columns:1fr 1fr 1.3fr;position:fixed;left:0;right:0;bottom:0;z-index:60;background:#fff;border-top:1px solid var(--border);box-shadow:0 -8px 24px rgba(0,0,0,.08)}
 .mbar a{padding:14px 6px;text-align:center;text-decoration:none;font-weight:700;color:var(--navy);font-size:14px}.mbar a.q{background:var(--red);color:#fff}}
@media(max-width:600px){.tb{font-size:12px;padding:6px 16px}.tb-r{gap:12px;width:100%;justify-content:space-between}.tb-r a:nth-child(2){display:none}.logo img{height:50px}.hdr-in{height:68px}}
/* ═══ v3 refinements ═══ */
:root{--gold:#F2B705}
section{padding:56px 0}section.tight{padding:48px 0}
.sh{margin-bottom:24px}.sh-row{display:flex;justify-content:space-between;align-items:flex-end;gap:16px;flex-wrap:wrap;margin-bottom:24px}.sh-row .sh{margin:0}
/* bigger logo */
.hdr-in{height:88px}.logo img{height:74px}
/* buttons: highlight + embossed on hover */
.btn{box-shadow:0 1px 0 rgba(255,255,255,.25) inset,0 2px 4px rgba(11,31,77,.12);transition:transform .15s,box-shadow .15s,background .15s,filter .15s}
.btn:hover{transform:translateY(-2px);box-shadow:0 1px 0 rgba(255,255,255,.35) inset,0 10px 22px rgba(11,31,77,.22);filter:brightness(1.06)}
.btn:active{transform:translateY(0);box-shadow:0 2px 6px rgba(11,31,77,.25) inset}
.btn.red{background:linear-gradient(180deg,#E53A43,#C81E28)}.btn.navy{background:linear-gradient(180deg,#1E428F,#132D6B)}
.btn.ghost:hover{background:#F2F6FF;border-color:var(--navy);color:var(--navy)}
.btn.ghost-w:hover{background:rgba(255,255,255,.14);border-color:#fff}
.card{transition:transform .18s,box-shadow .18s,border-color .18s}
a.card:hover{transform:translateY(-4px);box-shadow:0 18px 40px rgba(22,51,122,.14);border-color:#C9D6F2}
/* language switcher */
.lang{display:flex;align-items:center;gap:4px;color:#fff}.lang select{background:transparent;color:#fff;border:1px solid rgba(255,255,255,.35);border-radius:6px;padding:2px 6px;font:500 12.5px Inter,sans-serif;cursor:pointer}.lang option{color:#16202B}
body{top:0!important}.goog-te-banner-frame,.skiptranslate>iframe,#goog-gt-tt,.goog-te-balloon-frame{display:none!important}.goog-text-highlight{background:none!important;box-shadow:none!important}
/* photo slots */
.ph{position:relative;overflow:hidden;border-radius:18px;background:linear-gradient(135deg,#1E428F 0%,#0B1F4D 55%,#7B1E2A 100%)}
.ph img{width:100%;height:100%;object-fit:cover;display:block}
.ph.noimg::after{content:attr(data-icon);position:absolute;inset:0;display:flex;align-items:center;justify-content:center;font-size:96px;opacity:.9}
.ph.noimg::before{content:'';position:absolute;inset:0;background:radial-gradient(circle at 30% 20%,rgba(255,255,255,.18),transparent 45%),radial-gradient(circle at 80% 90%,rgba(217,35,45,.35),transparent 50%)}
/* hero slider */
.slider{position:relative;background:radial-gradient(circle at 85% 10%,rgba(217,35,45,.28),transparent 40%),linear-gradient(135deg,#0B1F4D,#16337A);color:#fff;overflow:hidden}
.slide{display:none;padding:56px 0 30px;animation:fadeIn .6s ease}.slide.on{display:block}
@keyframes fadeIn{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
.slide-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:center}
.slide h1{color:#fff;font-size:clamp(32px,4.4vw,54px);margin-bottom:16px}.slide h1 span{color:#FFC2C5}.slide .lead{color:#D5DEEE;margin-bottom:24px;max-width:600px}
.slide-ph{height:400px;box-shadow:0 30px 70px rgba(0,0,0,.35);border:6px solid rgba(255,255,255,.08)}
.slider-nav{display:flex;align-items:center;gap:12px;padding:0 22px 26px}
.dots{display:flex;gap:6px;flex-wrap:wrap}.dot{border:1px solid rgba(255,255,255,.3);background:rgba(255,255,255,.06);color:#D5DEEE;border-radius:999px;padding:6px 12px;font:600 12.5px Inter,sans-serif;cursor:pointer}
.dot.on{background:#fff;color:var(--navy-d);border-color:#fff}
.arr{width:38px;height:38px;border-radius:50%;border:1px solid rgba(255,255,255,.35);background:rgba(255,255,255,.08);color:#fff;font-size:22px;cursor:pointer}.arr:hover{background:rgba(255,255,255,.2)}
@media(max-width:900px){.slide-grid{grid-template-columns:1fr}.slide-ph{height:220px;order:-1}.dot{font-size:11px;padding:5px 9px}}
/* stats */
.stats{padding:0;background:#fff;border-bottom:1px solid var(--border)}
.stats-grid{display:grid;grid-template-columns:repeat(4,1fr)}.stats-grid div{padding:22px 18px;border-left:1px solid var(--border);text-align:center}.stats-grid div:first-child{border-left:0}
.stats-grid b{display:block;font-size:30px;font-weight:800;color:var(--red);letter-spacing:-.5px}.stats-grid span{font-size:13.5px;color:var(--muted)}
@media(max-width:700px){.stats-grid{grid-template-columns:1fr 1fr}.stats-grid div:nth-child(3){border-left:0}}
/* partners */
.partners{padding:22px 0;background:var(--soft)}.partners-grid{display:grid;grid-template-columns:1fr 1fr;gap:26px}.partners p{text-align:left;margin-bottom:10px}
.plogos{justify-content:flex-start;gap:20px}.plogos img{height:32px}
.plogos.life{gap:10px}.lp img{height:34px}.lp.txt{display:inline-flex;align-items:center;padding:8px 14px;border-radius:999px;background:#fff;border:1px solid var(--border);font-weight:800;font-size:13.5px;color:var(--navy-d);letter-spacing:-.2px}
@media(max-width:900px){.partners-grid{grid-template-columns:1fr}}
/* meet */
.meet{background:linear-gradient(180deg,#fff,#F3F6FC);padding:64px 0}
.meet-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:52px;align-items:center}
.meet-photo{position:relative}.meet-photo img{width:100%;border-radius:22px;box-shadow:0 30px 70px rgba(11,31,77,.25);aspect-ratio:4/5;object-fit:cover;object-position:top}
.meet-badge{position:absolute;right:-14px;bottom:28px;background:var(--red);color:#fff;border-radius:14px;padding:14px 18px;box-shadow:0 14px 30px rgba(217,35,45,.35)}.meet-badge b{display:block;font-size:22px}.meet-badge span{font-size:12.5px}
.meet-text h2,.meet-text h1{font-size:clamp(32px,3.6vw,46px);margin-bottom:4px}.role{font-weight:700;color:var(--red);margin-bottom:16px}
blockquote{border-left:4px solid var(--red);padding:6px 0 6px 18px;font-size:19px;font-style:italic;color:var(--navy-d);margin:0 0 16px;line-height:1.5}
.meet-text p{color:#3D4A57;margin-bottom:14px}
.creds{display:flex;flex-wrap:wrap;gap:8px;margin:6px 0 18px}.creds span{background:#fff;border:1px solid var(--border);border-radius:999px;padding:6px 12px;font-weight:700;font-size:13.5px;color:var(--navy-d)}
@media(max-width:900px){.meet-grid{grid-template-columns:1fr}.meet-badge{right:10px}}
.about-hero{padding:48px 0 60px;background:linear-gradient(180deg,#F3F6FC,#fff)}.crumbs.dark{color:var(--muted)}.crumbs.dark a{color:var(--navy)}
/* social */
.social{display:flex;gap:8px;margin:10px 0}.social a{width:38px;height:38px;border-radius:50%;display:inline-flex;align-items:center;justify-content:center;background:rgba(255,255,255,.1);color:#fff;transition:.15s}
.social a:hover{transform:translateY(-2px);background:var(--red)}.social svg{width:18px;height:18px}
.social.dark a{background:var(--navy);color:#fff}.social.dark a:hover{background:var(--red)}
/* why */
.why{padding:56px 0;background:#fff}.why-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:44px;align-items:center}.why-ph{height:440px}
.why-list{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:10px}.why-list div{background:var(--soft);border-radius:14px;padding:16px}.why-list b{color:var(--navy-d)}.why-list p{font-size:14.5px;color:var(--muted);margin-top:4px}
@media(max-width:900px){.why-grid{grid-template-columns:1fr}.why-ph{height:240px}.why-list{grid-template-columns:1fr}}
/* review strip */
.review-strip{padding:34px 0;background:#FFF8E6;border-top:1px solid #F5E2AE;border-bottom:1px solid #F5E2AE}
.review-in{display:flex;align-items:center;gap:24px;flex-wrap:wrap}.review-in h2{font-size:26px;margin:0}.review-in p{color:#5C4A12}.review-in .btn{margin-left:auto}
.review-strip .stars{font-size:36px;color:#F5B400}
/* join band */
.join-band{padding:56px 0}.join-in{display:grid;grid-template-columns:.8fr 1.2fr;gap:40px;align-items:center}.join-ph{height:300px}
@media(max-width:900px){.join-in{grid-template-columns:1fr}.join-ph{height:200px}}
/* product hero with photo */
.phero.has-img{padding:44px 0}.phero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:40px;align-items:center}.hero-ph{height:320px;box-shadow:0 24px 60px rgba(0,0,0,.3)}
@media(max-width:900px){.phero-grid{grid-template-columns:1fr}.hero-ph{height:200px}}
/* detail */
.detail{padding:52px 0}.detail-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:44px;align-items:center}.detail-ph{height:380px}
.how{list-style:none;counter-reset:h;display:grid;gap:10px;margin-top:8px}.how li{counter-increment:h;display:grid;grid-template-columns:34px 1fr;column-gap:12px;background:var(--soft);border-radius:12px;padding:12px 14px}
.how li::before{content:counter(h);grid-row:span 2;width:30px;height:30px;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800}
.how b{color:var(--navy-d)}.how span{color:var(--muted);font-size:14.5px}
@media(max-width:900px){.detail-grid{grid-template-columns:1fr}.detail-ph{height:220px}}
/* footer redesign */
.ftr{padding:0 0 90px;background:#0A1A40}
.ftr-cta{display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap;background:linear-gradient(135deg,#16337A,#0E2459);border:1px solid rgba(255,255,255,.12);border-radius:20px;padding:28px 32px;transform:translateY(-36px);box-shadow:0 24px 50px rgba(0,0,0,.25)}
.ftr-cta h2{color:#fff;font-size:28px;margin:0 0 4px}.ftr-cta p{color:#C9D3E8}
.ftr-top{padding-top:4px}.ftr-cols h4{color:#fff}.flogo{height:70px}
.follow{color:#fff;font-weight:700;font-size:13px;letter-spacing:1px;text-transform:uppercase;margin-top:14px}
.btn.review{display:inline-flex;margin-top:12px}.stars-sm{color:#F5B400;letter-spacing:1px}
.cta-band{display:none}
.fok{background:#E7F6EC;border:1px solid #BFE5CB;padding:12px 14px;border-radius:10px;font-size:15px}
.review-in>div:nth-child(2){flex:1;min-width:260px}.review-in .btn{margin-left:0}
.ftr .social a{display:inline-flex;padding:0}.ftr .social{margin:8px 0 4px}
/* ═══ v4: wider layout, full-bleed slider, real photos ═══ */
.wrap{max-width:1380px;padding:0 32px}
@media(max-width:600px){.wrap{padding:0 18px}}
/* full-bleed photo slider */
.slider{background:#0B1F4D;min-height:640px}
.slide{position:relative;padding:0;min-height:640px;display:none}.slide.on{display:flex;align-items:center}
.slide-bg{position:absolute;inset:0;background-size:cover;background-position:center;transform:scale(1.06);animation:kenburns 9s ease-out forwards}
.slide::after{content:'';position:absolute;inset:0;background:linear-gradient(90deg,rgba(8,22,56,.92) 0%,rgba(8,22,56,.78) 38%,rgba(8,22,56,.25) 70%,rgba(8,22,56,.05) 100%)}
@keyframes kenburns{from{transform:scale(1.12)}to{transform:scale(1.02)}}
.slide-in{position:relative;z-index:2;width:100%}.slide-text{max-width:640px;padding:70px 0 110px}
.slide h1{font-size:clamp(34px,4.6vw,62px);text-shadow:0 2px 20px rgba(0,0,0,.35)}.slide .lead{color:#E6ECF7;font-size:19px}
.slider-nav{position:absolute;left:0;right:0;bottom:22px;z-index:3;margin:0 auto}
.dot{backdrop-filter:blur(6px);background:rgba(255,255,255,.12)}
@media(max-width:900px){.slider,.slide{min-height:560px}.slide::after{background:linear-gradient(180deg,rgba(8,22,56,.55),rgba(8,22,56,.9))}.slide-text{padding:50px 0 120px}.slide .lead{font-size:16.5px}}
/* bigger partner logos */
.plogos.life .lp img{height:44px;width:auto;max-width:150px;object-fit:contain}
.plogos.life{gap:22px;align-items:center}.plogos img{filter:none;opacity:1}
.plogos.life.big{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:18px 0}.plogos.life.big .lp{background:#fff;border:1px solid var(--border);border-radius:12px;height:84px;display:flex;align-items:center;justify-content:center;padding:10px}
.plogos.life.big .lp img{height:52px}
/* photos fill */
.ph img{min-height:100%}
.detail-ph,.why-ph,.hero-ph,.story-ph,.join-ph{box-shadow:0 22px 50px rgba(11,31,77,.18)}
/* about v4 */
.about-hero2{position:relative;color:#fff;overflow:hidden;padding:64px 0}
.ah-bg{position:absolute;inset:0;background-size:cover;background-position:center;filter:blur(2px);transform:scale(1.05)}
.about-hero2::after{content:'';position:absolute;inset:0;background:linear-gradient(90deg,rgba(8,22,56,.95),rgba(8,22,56,.82) 55%,rgba(8,22,56,.6))}
.ah-in{position:relative;z-index:2;display:grid;grid-template-columns:.75fr 1.25fr;gap:56px;align-items:center}
.ah-photo{position:relative}.ah-photo img{width:100%;border-radius:22px;aspect-ratio:4/5;object-fit:cover;object-position:top;border:6px solid rgba(255,255,255,.12);box-shadow:0 30px 80px rgba(0,0,0,.45)}
.ah-text h1{color:#fff;font-size:clamp(40px,5vw,66px);margin-bottom:6px}.ah-role{color:#FFC2C5;font-weight:700;font-size:17px;margin-bottom:20px}
.ah-text blockquote{color:#fff;border-left-color:var(--red);font-size:21px}
@media(max-width:900px){.ah-in{grid-template-columns:1fr}.ah-photo{max-width:380px}}
.story{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}.story p{color:#3D4A57;margin-bottom:14px}.story .lead{color:var(--navy-d);font-size:20px}.sig{font-weight:800;color:var(--red);font-size:18px}
.story-ph{height:460px}
@media(max-width:900px){.story{grid-template-columns:1fr}.story-ph{height:260px}}
.xgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.xcard{background:#fff;border:1px solid var(--border);border-radius:16px;padding:24px;transition:.18s}.xcard:hover{transform:translateY(-4px);box-shadow:0 18px 40px rgba(22,51,122,.12)}
.xcard .ic{font-size:30px;margin-bottom:8px}.xcard p{color:var(--muted);font-size:15px}
@media(max-width:900px){.xgrid{grid-template-columns:1fr 1fr}}@media(max-width:560px){.xgrid{grid-template-columns:1fr}}
.journey{list-style:none;position:relative;margin-top:14px;padding-left:28px;border-left:3px solid #E7ECF5;display:grid;gap:16px}
.journey li{position:relative}.journey li::before{content:'';position:absolute;left:-37px;top:4px;width:16px;height:16px;border-radius:50%;background:var(--red);border:3px solid #fff;box-shadow:0 0 0 2px var(--red)}
.journey b{color:var(--navy-d);font-size:17px}.journey p{color:var(--muted);font-size:15px}
.values{display:grid;grid-template-columns:1fr 1fr;gap:10px}.values div{background:var(--soft);border-radius:12px;padding:12px 14px}.values b{display:block;color:var(--navy-d)}.values span{font-size:14px;color:var(--muted)}
.about-cta{background:linear-gradient(135deg,#D9232D,#A3121B);color:#fff;padding:44px 0}.about-cta-in{display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap}.about-cta h2{color:#fff}.about-cta p{color:#FFE1E3}
/* v4.1 slider: stacked cross-fade, full coverage */
.slider{position:relative;height:660px;min-height:0;overflow:hidden}
.slide,.slide.on{position:absolute;inset:0;display:flex;align-items:center;min-height:0;padding:0;opacity:0;visibility:hidden;transition:opacity 1s ease,visibility 1s;animation:none}
.slide.on{opacity:1;visibility:visible;z-index:1}
.slide-bg{inset:0;transform:none;animation:none}.slide.on .slide-bg{animation:kenburns 9s ease-out forwards}
.slide::after{z-index:1}.slide-in{z-index:2}
.slider-nav{z-index:5}
.dot{background:rgba(8,22,56,.6);color:#fff;border-color:rgba(255,255,255,.35)}.dot.on{background:#fff;color:var(--navy-d)}
@media(max-width:900px){.slider{height:600px}}
/* ═══ v5: logo lockup, live quote blinker, about timeline ═══ */
.logo{display:flex;align-items:center;gap:10px;text-decoration:none}
.logo img{height:64px;width:auto}
.lw{display:flex;flex-direction:column;line-height:1}
.lw b{font-size:30px;font-weight:800;color:#16337A;letter-spacing:-.6px}.lw b i{font-style:normal;color:#16337A}
.lw small{margin-top:5px;font-size:11.5px;font-weight:700;letter-spacing:1.6px;text-transform:uppercase;color:#D9232D}
.flogo2{background:#fff;border-radius:14px;padding:8px 14px;display:inline-flex;margin-bottom:12px}.flogo2 img{height:48px}.flogo2 .lw b{font-size:24px}.flogo2 .lw small{font-size:9.5px}
@media(max-width:600px){.logo img{height:46px}.lw b{font-size:22px}.lw small{font-size:8.5px;letter-spacing:1px}}
/* live quote blinker */
.blink{display:inline-block;width:8px;height:8px;border-radius:50%;background:#7CFFB2;margin-right:8px;box-shadow:0 0 0 0 rgba(124,255,178,.8);animation:pulse 1.6s infinite}
@keyframes pulse{0%{box-shadow:0 0 0 0 rgba(124,255,178,.75)}70%{box-shadow:0 0 0 10px rgba(124,255,178,0)}100%{box-shadow:0 0 0 0 rgba(124,255,178,0)}}
.btn.glow{animation:glow 2.4s ease-in-out infinite}
@keyframes glow{0%,100%{box-shadow:0 2px 6px rgba(217,35,45,.25)}50%{box-shadow:0 0 0 5px rgba(217,35,45,.18),0 6px 18px rgba(217,35,45,.35)}}
.qfab{position:fixed;right:22px;bottom:22px;z-index:70;display:flex;align-items:center;gap:8px;background:#0B1F4D;color:#fff;border-radius:999px;padding:8px 8px 8px 14px;box-shadow:0 16px 40px rgba(0,0,0,.3);border:2px solid rgba(255,255,255,.12);animation:qfab 3s ease-in-out infinite}
@keyframes qfab{0%,100%{transform:translateY(0)}50%{transform:translateY(-4px)}}
.qfab b{font-size:14px;margin-right:2px}
.qfab .live{display:inline-flex;align-items:center;gap:6px;font:800 10.5px Inter,sans-serif;letter-spacing:1px;color:#7CFFB2}
.qfab .live i{width:9px;height:9px;border-radius:50%;background:#7CFFB2;animation:pulse 1.4s infinite}
.qfab a{background:linear-gradient(180deg,#E53A43,#C81E28);color:#fff;text-decoration:none;font-weight:800;font-size:13.5px;padding:9px 14px;border-radius:999px;transition:.15s}
.qfab a:hover{transform:translateY(-2px);filter:brightness(1.1)}
@media(max-width:760px){.qfab{display:none}.mbar a.q{display:flex;align-items:center;justify-content:center}}
/* MDRT badge */
.mdrt-badge{position:absolute;right:-16px;bottom:24px;background:#fff;border-radius:16px;padding:10px 12px;box-shadow:0 14px 34px rgba(11,31,77,.25)}.mdrt-badge img{width:96px;height:auto}
.mdrt-row{display:flex;align-items:center;gap:36px;flex-wrap:wrap;background:#fff;border:1px solid var(--border);border-radius:20px;padding:28px 32px}.mdrt-row img{width:150px;height:auto}.mdrt-row>div{flex:1;min-width:280px}
.creds.light span{background:rgba(255,255,255,.1);color:#fff;border-color:rgba(255,255,255,.25)}
/* timeline */
.timeline{list-style:none;display:grid;grid-template-columns:repeat(4,1fr);gap:16px;counter-reset:t}
.timeline li{position:relative;background:#fff;border:1px solid var(--border);border-radius:16px;padding:20px;transition:.18s}
.timeline li:hover{transform:translateY(-4px);box-shadow:0 18px 40px rgba(22,51,122,.12)}
.timeline .yr{display:inline-block;background:var(--red);color:#fff;font-weight:800;font-size:13px;padding:4px 10px;border-radius:999px;margin-bottom:10px}
.timeline b{display:block;color:var(--navy-d);font-size:16px;margin-bottom:6px;line-height:1.3}.timeline p{color:var(--muted);font-size:14.5px}
@media(max-width:1000px){.timeline{grid-template-columns:1fr 1fr}}@media(max-width:560px){.timeline{grid-template-columns:1fr}}
.join-mini{display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap}
.plogos.life .lp img[src*="canada-life"],.plogos.life .lp img[src*="sunlife"]{height:54px;max-width:180px}
.mdrt-badge{padding:12px 14px}.mdrt-badge img{width:110px;height:auto;object-fit:contain;display:block}
/* v6: uniform logo tiles, MDRT stat, why full width, clean logo */
.partners-grid{grid-template-columns:1fr;gap:18px}
.plogos.tiles{display:grid;grid-template-columns:repeat(9,1fr);gap:10px}
.plogos.tiles .lp{background:#fff;border:1px solid var(--border);border-radius:12px;height:76px;display:flex;align-items:center;justify-content:center;padding:10px 12px;transition:.15s}
.plogos.tiles .lp:hover{transform:translateY(-3px);box-shadow:0 10px 24px rgba(11,31,77,.12)}
.plogos.tiles .lp img,.plogos.tiles .lp img[src*="canada-life"],.plogos.tiles .lp img[src*="sunlife"]{height:auto;max-height:50px;max-width:100%;width:auto;object-fit:contain}
@media(max-width:1100px){.plogos.tiles{grid-template-columns:repeat(5,1fr)}}@media(max-width:600px){.plogos.tiles{grid-template-columns:repeat(3,1fr)}.plogos.tiles .lp{height:60px}}
.st-mdrt img{height:40px;width:auto;margin:0 auto 4px;display:block}
.why-full{display:block}.why-full .why-list{grid-template-columns:repeat(4,1fr)}
@media(max-width:900px){.why-full .why-list{grid-template-columns:1fr 1fr}}@media(max-width:560px){.why-full .why-list{grid-template-columns:1fr}}
.logo img{height:62px;width:auto;object-fit:contain}
.slide h1{font-size:clamp(32px,4vw,56px)}.slide-text{padding:60px 0 120px}
@media(max-width:700px){
 .dot{font-size:0;width:12px;height:12px;padding:0;border-radius:50%}
 .slider{height:620px}.slide-text{padding:36px 0 90px}
 .tb-r a{display:none}.tb-r a:last-child{display:inline}
 .mbar a{white-space:nowrap;font-size:13.5px}
}
/* v7: footer logo sits cleanly on the dark background */
.flogo2{background:transparent;padding:0;margin-bottom:14px;gap:12px}
.flogo2 img{height:56px;filter:drop-shadow(0 2px 6px rgba(0,0,0,.35))}
.flogo2 .lw b,.flogo2 .lw b i{color:#fff;font-size:26px}
.flogo2 .lw small{color:#FF9AA0;font-size:10px}
.ftr a.flogo2{display:inline-flex;align-items:center;padding:0}