.lp-hero{padding:150px 32px 80px;background:linear-gradient(135deg,var(--theme-g1) 0%,var(--theme-g2) 50%,var(--theme-g3) 100%);position:relative;overflow:hidden}.lp-hero:before{content:"";position:absolute;inset:0;background:radial-gradient(ellipse 1000px 400px at 50% 0%,rgba(255,255,255,.05) 0%,transparent 60%);pointer-events:none}.lp-hero .container{position:relative;z-index:2}.lp-badge{display:inline-flex;align-items:center;gap:8px;background:#ffffff1a;border:1px solid rgba(255,255,255,.15);border-radius:100px;padding:8px 18px;font-size:.82rem;font-weight:600;color:#ffffffe6;margin-bottom:24px}.lp-badge svg{color:#6ee7b7}.lp-hero h1{font-size:clamp(2rem,4.5vw,3rem);font-weight:800;letter-spacing:-.03em;color:#fff;line-height:1.15;margin-bottom:20px;max-width:720px}.lp-subtitle{font-size:1.35rem;color:#ffffffbf;line-height:1.6;max-width:720px;font-weight:400}.lp-carriers{padding:22px 0 58px;border-top:1px solid #f3f4f6;border-bottom:1px solid #f3f4f6;overflow:visible;text-align:center}.carrier-row{display:flex;justify-content:center;align-items:flex-end;gap:clamp(28px,4vw,64px);flex-wrap:nowrap;overflow:visible}.carrier-logo-item{flex-shrink:1;opacity:.8;filter:grayscale(20%);display:flex;align-items:flex-end}.carrier-logo-guardian img{height:clamp(26px,2.7vw,44px);width:auto;display:block;transform:translateY(16%)}.carrier-logo-principal img{height:clamp(34px,3.6vw,59px);width:auto;display:block;transform:translateY(30%)}.carrier-logo-massmutual img{height:clamp(19px,1.95vw,32px);width:auto;display:block}.carrier-logo-ameritas img{height:clamp(25px,2.7vw,43px);width:auto;display:block;transform:translateY(5%)}.carrier-logo-standard img{height:clamp(49px,5.1vw,84px);width:auto;display:block;transform:translateY(32%)}.lp-stats-row{display:flex;justify-content:space-between;align-items:center;margin-top:32px;padding-top:28px;border-top:1px solid rgba(255,255,255,.12);max-width:720px}.lp-stat{text-align:center;padding:0 20px}.lp-stat:first-child{padding-left:0}.lp-stat:last-child{padding-right:0}.lp-stat-num{display:block;font-size:1.35rem;font-weight:800;color:#fff;letter-spacing:-.03em;line-height:1.2}.lp-stat-label{display:block;font-size:.83rem;color:#fff;margin-top:3px;letter-spacing:.01em}.lp-stat-divider{width:1px;height:32px;background:#fff3;flex-shrink:0}.h1-line2{font-size:.85em}.own-occ-highlight{color:#fff;font-weight:700;border-bottom:2px solid rgba(110,231,183,.6);padding-bottom:1px}.nav-cta{display:none!important}.nav-right{min-width:242px;justify-content:flex-end}.nav-phone{font-size:.84rem!important;font-weight:600!important;padding:10px 24px!important;border-radius:8px!important;background:linear-gradient(135deg,#2b6fa8,#1e5a99)!important;color:#fff!important;box-shadow:0 2px 8px #1e5a9933;transition:transform .25s,box-shadow .25s}.nav-phone:hover{transform:translateY(-1px);box-shadow:0 4px 16px #1e5a994d}nav.scrolled .nav-phone{color:#fff!important}.menu-toggle{display:none!important}.lp-form-section{padding:48px 0}.lp-quote-layout{display:grid;grid-template-columns:1fr 340px;gap:56px;align-items:start}.lp-form-card{background:#fff;border:1px solid #e5e7eb;border-radius:12px;box-shadow:0 4px 24px #1118270a;overflow:hidden}.lp-sidebar{position:sticky;top:100px;display:flex;flex-direction:column;gap:20px;align-self:start}.sidebar-card{background:#fff;border:1px solid #e5e7eb;border-radius:12px;padding:28px;box-shadow:0 4px 24px #1118270a}.sidebar-steps{border-top:3px solid #1E5A99}.sidebar-card h3{font-size:.95rem;font-weight:700;color:#1a1a1a;margin-bottom:20px;letter-spacing:-.01em}.next-steps{list-style:none;display:flex;flex-direction:column;gap:20px}.next-steps li{display:flex;gap:14px;align-items:flex-start}.step-num{width:26px;height:26px;border-radius:50%;background:#eff6ff;color:#1e5a99;display:grid;place-items:center;font-weight:700;font-size:.72rem;flex-shrink:0}.next-steps strong{display:block;font-size:.86rem;font-weight:600;color:#1a1a1a;margin-bottom:4px}.next-steps p{font-size:.82rem;color:#6b7280;line-height:1.55;margin:0}.phone-card{text-align:center}.phone-card p{font-size:.84rem;color:#6b7280;margin-bottom:8px}.sidebar-phone{display:inline-flex;align-items:center;gap:8px;font-size:1.05rem;font-weight:700;color:#1e5a99;transition:color .2s;text-decoration:none}.sidebar-phone:hover{color:#174b82}.sidebar-phone svg{color:#1e5a99}.sidebar-hours{display:block;font-size:.78rem;color:#9ca3af;margin-top:6px}.trust-line{display:flex;align-items:center;gap:8px;margin:0;padding:18px 0 0;font-size:.95rem;font-weight:600;color:#64748b}.trust-line svg{flex-shrink:0}.trust-line-mobile{display:none}@media(max-width:960px){.trust-line-mobile{display:flex;align-items:center;gap:8px;padding:18px 40px 22px;margin:0;border-top:1px solid #f3f4f6;background:#fafafa;font-size:.95rem;font-weight:600;color:#64748b}.trust-line-mobile svg{flex-shrink:0}.trust-line{display:none}}.form-section{padding:36px 40px}.form-section+.form-section{border-top:1px solid #f3f4f6}.form-section-header{display:flex;align-items:flex-start;gap:16px;margin-bottom:28px}.section-step{width:32px;height:32px;border-radius:50%;background:#1e5a99;color:#fff;display:grid;place-items:center;font-weight:700;font-size:.82rem;flex-shrink:0;margin-top:2px}.form-section-header h2{font-size:1.1rem;font-weight:700;color:#1a1a1a;margin-bottom:4px;letter-spacing:-.01em}.form-section-header p{font-size:.86rem;color:#6b7280;line-height:1.5}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:16px}.form-row.three-col{grid-template-columns:1fr 1fr 1fr}.form-group{display:flex;flex-direction:column}.form-group label{font-size:.8rem;font-weight:600;color:#1a1a1a;margin-bottom:5px;letter-spacing:.01em}.req{color:#1e5a99}.form-group input,.form-group select{padding:11px 14px;border:1px solid #d1d5db;border-radius:8px;font-size:.9rem;font-family:inherit;color:#1a1a1a;background:#fafafa;transition:border-color .2s,box-shadow .2s;-webkit-appearance:none}.form-group input:focus,.form-group select:focus{outline:none;border-color:#1e5a99;box-shadow:0 0 0 3px #2563eb1a;background:#fff}.form-group input::placeholder{color:#9ca3af}.form-group select{cursor:pointer}.typeahead-wrap{position:relative}.other-specify{margin-top:8px}.other-specify input{width:100%;padding:11px 14px;border:1px solid #d1d5db;border-radius:8px;font-size:.9rem;font-family:inherit;background:#fafafa;transition:border-color .2s}.other-specify input:focus{outline:none;border-color:#1e5a99;background:#fff}.typeahead-input-wrap{position:relative;display:flex;align-items:center}.typeahead-input-wrap input{width:100%;padding-right:36px}.typeahead-input-wrap input.has-selection{border-color:#1e5a99;background:#fafbff;padding-right:60px;cursor:default}.typeahead-check{position:absolute;right:36px;top:50%;transform:translateY(-50%);display:flex;align-items:center;pointer-events:none}.typeahead-clear{position:absolute;right:10px;top:50%;transform:translateY(-50%);display:flex;align-items:center;justify-content:center;background:none;border:none;cursor:pointer;padding:2px;color:#94a3b8;border-radius:50%;transition:color .15s,background .15s}.typeahead-clear:hover{color:#ef4444;background:#fef2f2}.typeahead-dropdown{display:none;position:absolute;top:calc(100% + 4px);left:0;right:0;background:#fff;border:1px solid #e2e5ea;border-radius:12px;box-shadow:0 12px 32px #0000001a,0 2px 6px #0000000a;max-height:280px;overflow-y:auto;z-index:60;padding:4px 0}.typeahead-dropdown.open{display:block}.typeahead-result{padding:10px 14px;font-size:.88rem;color:#334155;cursor:pointer;transition:background .12s}.typeahead-result:hover,.typeahead-result.active{background:#f3f4f6}.typeahead-result .ta-match{font-weight:600;color:#1e5a99}.typeahead-no-result{padding:12px 14px;font-size:.85rem;color:#6b7280;font-style:italic}.dob-fields{display:flex;align-items:center;gap:4px}.dob-input{width:52px;text-align:center;padding:11px 8px!important}.dob-input-year{width:68px}.dob-sep{color:#9ca3af;font-size:1.1rem;font-weight:300;user-select:none}.life-check-group{margin-top:4px;margin-bottom:0}.checkbox-label{display:inline-flex;align-items:center;gap:10px;cursor:pointer;font-size:.86rem;font-weight:500;color:#6b7280;padding:12px 16px;border:1px solid #e5e7eb;border-radius:10px;background:#f9fafb;transition:border-color .2s,background .2s}.checkbox-label:hover{border-color:#1e5a99;background:#fafbff}.checkbox-label input[type=checkbox]{position:absolute;opacity:0;width:0;height:0}.checkbox-custom{width:20px;height:20px;border-radius:5px;border:2px solid #d1d5db;background:#fff;display:grid;place-items:center;flex-shrink:0;transition:border-color .2s,background .2s}.checkbox-custom:after{content:"";width:10px;height:6px;border-left:2.5px solid #fff;border-bottom:2.5px solid #fff;transform:rotate(-45deg) translate(1px,-1px);opacity:0;transition:opacity .15s}.checkbox-label input[type=checkbox]:checked~.checkbox-custom{background:#1e5a99;border-color:#1e5a99}.checkbox-label input[type=checkbox]:checked~.checkbox-custom:after{opacity:1}.checkbox-text strong{color:#1a1a1a;font-weight:700}.notes-toggle{display:inline-flex;align-items:center;gap:6px;cursor:pointer;color:#6b7280;font-weight:500;font-size:.84rem;transition:color .2s}.notes-toggle:hover{color:#0c1220}.notes-optional{color:#94a3b8;font-weight:400}.notes-field{display:none;margin-top:8px}.notes-field.visible{display:block}.consent-row{padding:20px 32px 24px;border-top:1px solid #f3f4f6}.consent-label{display:flex;gap:10px;align-items:flex-start;cursor:pointer}.consent-label input[type=checkbox]{margin-top:3px;flex-shrink:0;width:16px;height:16px;accent-color:#1E5A99}.consent-text{font-size:.75rem;line-height:1.5;color:#6b7280}.consent-text a{color:#1e5a99;text-decoration:underline}.turnstile-row{display:flex;flex-direction:column;align-items:center;padding:12px 24px 16px;gap:6px}.turnstile-row iframe{transform:scale(.85);transform-origin:center}.turnstile-error{color:#dc2626;font-size:.78rem;margin:0}.submit-btn{width:100%;justify-content:center;margin:0;font-size:1rem;padding:18px 38px;border-radius:0 0 12px 12px}.lp-benefits{padding:56px 0 72px;border-top:1px solid #f3f4f6}.lp-benefits h2{font-size:clamp(1.6rem,3vw,2.2rem);font-weight:700;letter-spacing:-.03em;color:#1a1a1a;margin-bottom:40px}.benefits-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}.benefit-card{background:#fafafa;border:1px solid #f3f4f6;border-radius:14px;padding:28px 24px}.benefit-icon{margin-bottom:16px}.benefit-card h3{font-size:1rem;font-weight:700;color:#1a1a1a;margin-bottom:8px}.benefit-card p{font-size:.88rem;color:#4a5568;line-height:1.65}.lp-testimonials{padding:72px 0;background:#eef0f4}.lp-testimonials h2{font-size:clamp(1.6rem,3vw,2.2rem);font-weight:700;letter-spacing:-.03em;color:#1a1a1a;margin-bottom:40px}.testimonials-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.testimonial-card{background:#fff;border:1px solid rgba(255,255,255,.8);border-radius:16px;padding:32px 28px;display:flex;flex-direction:column;box-shadow:0 4px 24px #1118270a}.testimonial-card blockquote{font-size:.9rem;color:#374151;line-height:1.7;margin-bottom:24px;flex:1}.testimonial-author{display:flex;align-items:center;gap:12px;padding-top:20px;border-top:1px solid #e5e7eb}.testimonial-avatar{width:40px;height:40px;border-radius:50%;background:#4a4a4a;display:grid;place-items:center;color:#fff;font-weight:700;font-size:.75rem}.testimonial-name{font-weight:600;font-size:.85rem;color:#4a4a4a}.testimonial-title{font-size:.76rem;color:#9ca3af}.lp-faq{padding:72px 0;border-top:1px solid #f3f4f6}.lp-faq h2{font-size:clamp(1.6rem,3vw,2.2rem);font-weight:700;letter-spacing:-.03em;color:#1a1a1a;margin-bottom:32px}.faq-items{max-width:720px}.faq-item{border-bottom:1px solid #f3f4f6;padding:20px 0}.faq-question{font-size:.95rem;font-weight:600;color:#1a1a1a;cursor:pointer;list-style:none;padding-right:24px;position:relative}.faq-question::-webkit-details-marker{display:none}.faq-question:after{content:"+";position:absolute;right:0;top:0;font-size:1.2rem;font-weight:400;color:#9ca3af;transition:transform .2s}.faq-item[open] .faq-question:after{content:"-"}.faq-answer{font-size:.88rem;color:#4a5568;line-height:1.7;padding-top:12px}.lp-bottom-cta{padding:80px 0;text-align:center;background:linear-gradient(135deg,var(--theme-g1) 0%,var(--theme-g2) 50%,var(--theme-g3) 100%);position:relative;overflow:hidden}.lp-bottom-cta:before{content:"";position:absolute;inset:0;background:radial-gradient(ellipse 1000px 400px at 50% 100%,rgba(255,255,255,.04) 0%,transparent 60%);pointer-events:none}.bottom-cta-inner{max-width:640px;margin:0 auto;position:relative;z-index:1}.bottom-cta-inner h2{font-size:clamp(1.6rem,2.8vw,2.2rem);font-weight:700;letter-spacing:-.025em;line-height:1.2;color:#fff;margin-bottom:16px}.bottom-cta-inner p{font-size:1rem;color:#ffffffb3;margin-bottom:32px;line-height:1.7}.mobile-phone-fab{display:none;position:fixed;bottom:24px;right:24px;width:56px;height:56px;border-radius:50%;background:#1e5a99;color:#fff;align-items:center;justify-content:center;box-shadow:0 4px 20px #1e5a9966;z-index:90;text-decoration:none;transition:transform .2s,box-shadow .2s}.mobile-phone-fab:hover{transform:scale(1.08);box-shadow:0 6px 28px #1e5a9980}.mobile-phone-fab svg{width:24px;height:24px}@media(max-width:960px){.lp-quote-layout{grid-template-columns:1fr;gap:32px}.lp-sidebar{position:static}.benefits-grid{grid-template-columns:1fr;max-width:480px}.testimonials-grid{grid-template-columns:1fr;max-width:520px}.mobile-phone-fab{display:flex}.nav-phone,.nav-right{display:none!important}}@media(max-width:640px){.lp-hero{padding:120px 20px 56px}.lp-hero h1{font-size:1.8rem}.lp-subtitle{font-size:1.1rem}.form-section{padding:28px 20px}.form-row,.form-row.three-col{grid-template-columns:1fr}.dob-group{grid-column:span 1!important}.lp-carriers{padding:18px 10px 36px;overflow:visible;position:relative;z-index:1}.carrier-row{display:flex;flex-wrap:nowrap;justify-content:space-between;align-items:center;gap:0;overflow:visible}.carrier-logo-item{flex:0 1 auto;display:flex;justify-content:center;align-items:center;opacity:.85;overflow:visible}.carrier-logo-guardian img{height:15px;width:auto;transform:none}.carrier-logo-principal img{height:20px;width:auto;transform:none;margin-top:4px}.carrier-logo-massmutual img{height:11px;width:auto;transform:none}.carrier-logo-ameritas img{height:15px;width:auto;transform:translateY(-2px)}.carrier-logo-standard img{height:26px;width:auto;transform:none}.lp-form-section{padding-top:28px}.lp-stats-row{margin-top:28px;max-width:100%}.lp-stat{padding:0 10px}.lp-stat:first-child{padding-left:0}.lp-stat:last-child{padding-right:0}.lp-stat-num{font-size:1rem}.lp-stat-label{font-size:.58rem}.lp-stat-divider{height:24px}.lp-benefits,.lp-testimonials,.lp-faq,.lp-bottom-cta{padding:48px 0}}
