:root{--bg:#0b0d10;--bg2:#12161b;--card:#171c22;--line:#28313b;--ink:#f3f5f7;--mut:#a5b0bb;--amb:#ffb000;--amb2:#ff8a00;--red:#ff6b5f;--display:"Arial Black","Helvetica Neue",Impact,system-ui,sans-serif}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:76px;scroll-padding-bottom:20px;-webkit-text-size-adjust:100%}body{margin:0;background:var(--bg);color:var(--ink);font:17px/1.55 system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;overflow-x:hidden;padding-bottom:calc(72px + env(safe-area-inset-bottom))}
img,svg{max-width:100%}a{color:var(--amb)}h1,h2,h3{font-family:var(--display);font-weight:900;line-height:1.08;letter-spacing:-.01em;margin:0 0 .5em;text-transform:uppercase}h2{font-size:clamp(28px,6vw,44px)}h3{font-size:19px;letter-spacing:.01em}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}.narrow{max-width:780px}.muted{color:var(--mut)}.small{font-size:14px}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;z-index:99;background:var(--amb);color:#111;padding:8px 12px;border-radius:6px}
:focus-visible{outline:3px solid var(--amb);outline-offset:3px}
.btn,.btn-ghost{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:48px;padding:12px 20px;border-radius:10px;font-weight:900;font-size:16px;text-decoration:none;text-transform:uppercase;letter-spacing:.04em;cursor:pointer;border:0;font-family:inherit}
.btn{background:linear-gradient(180deg,var(--amb),var(--amb2));color:#111;box-shadow:0 6px 18px rgba(255,150,0,.25)}.btn:hover{filter:brightness(1.07)}.btn-ghost{background:transparent;color:var(--ink);border:2px solid #3a4652}.btn-ghost:hover{border-color:var(--amb)}.btn-lg{min-height:56px;font-size:17px;padding:14px 24px}.btn-block{width:100%}
.bar{position:sticky;top:0;z-index:20;background:rgba(8,10,12,.92);backdrop-filter:blur(8px);border-bottom:1px solid #1f262d}.bar-in{display:flex;align-items:center;justify-content:space-between;height:64px}
.logo{display:flex;align-items:center;gap:10px;color:var(--ink);text-decoration:none;font-family:var(--display);font-size:17px;line-height:1}.logo small{font-size:10px;letter-spacing:.24em;color:var(--mut)}.logo-mark{display:grid;place-items:center;width:38px;height:38px;border-radius:8px;background:var(--amb);color:#111;font-size:22px}
.bar-cta{display:flex;gap:10px}.bar-cta .btn,.bar-cta .btn-ghost{min-height:42px;padding:8px 14px;font-size:14px}
.hero{position:relative;padding:48px 0 76px;background:radial-gradient(900px 400px at 85% 10%,rgba(255,176,0,.13),transparent 60%),linear-gradient(180deg,#0b0d10,#101419);overflow:hidden}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:40px;align-items:center}
.kicker{color:var(--amb);font-weight:800;text-transform:uppercase;letter-spacing:.14em;font-size:13px;margin:0 0 10px}
h1{font-size:clamp(38px,8.6vw,68px)}h1 span{color:var(--amb)}.lede{font-size:clamp(17px,2.4vw,20px);color:#d8dee4;max-width:40em}.lede em{color:var(--mut);font-style:normal;font-size:.9em}
.ticks{list-style:none;padding:0;margin:18px 0 24px}.ticks li{position:relative;padding:6px 0 6px 32px;font-weight:600}.ticks li::before{content:"";position:absolute;left:0;top:11px;width:18px;height:10px;border-left:4px solid var(--amb);border-bottom:4px solid var(--amb);transform:rotate(-45deg)}
.hero-ctas{display:flex;flex-wrap:wrap;gap:12px}.micro{color:var(--mut);font-size:14px;margin-top:14px}
.rig svg{width:100%;height:auto;filter:drop-shadow(0 20px 40px rgba(0,0,0,.6))}
.road{position:absolute;left:0;right:0;bottom:0;height:46px;background:#14181d;border-top:3px solid #262e36}.road::after{content:"";position:absolute;left:0;right:0;top:20px;height:6px;background:repeating-linear-gradient(90deg,var(--amb) 0 56px,transparent 56px 104px);animation:drive 1.6s linear infinite}
@keyframes drive{to{background-position:-104px 0}}@media (prefers-reduced-motion:reduce){.road::after{animation:none}html{scroll-behavior:auto}}
.sec{padding:64px 0}.alt{background:var(--bg2);border-top:1px solid #1b2128;border-bottom:1px solid #1b2128}
.two{display:grid;grid-template-columns:1.2fr .8fr;gap:32px;align-items:start}.two p{color:#d8dee4}
.note{background:#1a1610;border:1px solid #4a3a12;border-left:6px solid var(--amb);border-radius:12px;padding:18px 20px}.note-h{font-family:var(--display);text-transform:uppercase;color:var(--amb);margin:0 0 6px}.note p{margin:.4em 0}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:22px;border-top:4px solid var(--amb)}.card p{color:#cfd6dd;margin:0}
.ico{width:46px;height:46px;border-radius:10px;background:#2a2213;display:grid;place-items:center;margin-bottom:14px}.ico svg{width:26px;height:26px;fill:none;stroke:var(--amb);stroke-width:2.2;stroke-linecap:round;stroke-linejoin:round}
.steps{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.steps li{display:flex;gap:16px;background:var(--card);border:1px solid var(--line);border-radius:14px;padding:20px}.steps p{margin:0;color:#cfd6dd}
.num{flex:0 0 auto;display:grid;place-items:center;width:46px;height:46px;border-radius:50%;background:var(--amb);color:#111;font-family:var(--display);font-size:22px}
.quote-sec{background:linear-gradient(180deg,#0f1317,#0b0d10);border-top:4px solid var(--amb)}.quote-wrap{display:grid;grid-template-columns:.9fr 1.1fr;gap:40px;align-items:start}
.form{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:22px;box-shadow:0 20px 50px rgba(0,0,0,.45)}
.progress{display:flex;gap:6px;margin-bottom:8px}.progress span{flex:1;height:6px;border-radius:3px;background:#2a323b}.progress span.on{background:var(--amb)}
.step-label{color:var(--mut);font-size:13px;font-weight:700;text-transform:uppercase;letter-spacing:.1em;margin:0 0 6px}
fieldset{border:0;margin:0;padding:0;min-width:0}legend{font-family:var(--display);text-transform:uppercase;font-size:22px;margin-bottom:14px;padding:0}
label{display:block;font-weight:700;margin:14px 0 6px;font-size:15px}.q{font-weight:700;margin:0 0 8px;font-size:15px}
input[type=text],input:not([type]),input[type=tel],input[type=email],select{width:100%;min-height:52px;padding:12px 14px;border-radius:10px;border:2px solid #333e49;background:#0d1115;color:var(--ink);font-size:17px;font-family:inherit}
input:focus,select:focus{border-color:var(--amb);outline:none}select{appearance:none;background-image:linear-gradient(45deg,transparent 50%,var(--amb) 50%),linear-gradient(135deg,var(--amb) 50%,transparent 50%);background-position:calc(100% - 20px) 50%,calc(100% - 14px) 50%;background-size:6px 6px;background-repeat:no-repeat}
#zip{font-size:24px;letter-spacing:.2em;font-weight:800}
.choices{display:grid;gap:8px}.choice{margin:0;display:flex;align-items:center;gap:12px;min-height:52px;padding:10px 14px;border:2px solid #333e49;border-radius:10px;cursor:pointer;font-weight:700}.choice input{width:20px;height:20px;accent-color:var(--amb)}.choice:has(input:checked){border-color:var(--amb);background:#221b0d}
.consent{display:flex;gap:12px;align-items:flex-start;font-weight:400;font-size:13px;line-height:1.45;color:#c3ccd5;margin:18px 0 4px;background:#0f1418;border:1px solid var(--line);border-radius:10px;padding:12px}.consent input{flex:0 0 auto;width:22px;height:22px;margin-top:2px;accent-color:var(--amb)}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.err{color:var(--red);font-weight:700;min-height:1.2em;margin:8px 0;font-size:15px}
.nav{display:flex;gap:10px}.nav .btn{flex:1}
details{background:var(--card);border:1px solid var(--line);border-radius:12px;margin:0 0 10px;padding:0 18px}summary{cursor:pointer;font-weight:800;padding:16px 0;list-style:none;position:relative;padding-right:28px}summary::-webkit-details-marker{display:none}summary::after{content:"+";position:absolute;right:0;top:12px;color:var(--amb);font-size:24px;font-weight:900}details[open] summary::after{content:"\2013"}details p{margin:0 0 16px;color:#cfd6dd}
.foot{background:#07080a;border-top:1px solid #1b2128;padding:36px 0 28px;font-size:14px;color:var(--mut)}.foot-brand{color:var(--ink)}.disclosure{font-size:12.5px;line-height:1.6;color:#8e99a5}
.sticky{display:none}
.page{padding:40px 0 60px}.page h1{font-size:clamp(30px,6vw,46px)}.page h2{font-size:22px;margin-top:1.6em}.page p,.page li{color:#d3dae1}
.thanks{text-align:center;padding:60px 0}.thanks .big{font-size:64px;margin:0}
@media (max-width:900px){.hero-grid,.two,.quote-wrap{grid-template-columns:1fr}.rig{order:-1;max-width:300px;margin:0 auto 0 0}.cards,.steps{grid-template-columns:1fr}.bar-cta{display:none}.hero{padding:24px 0 72px}
.sticky{display:grid;grid-template-columns:1fr 1fr 1.6fr;gap:8px;position:fixed;left:0;right:0;bottom:0;z-index:50;padding:10px 10px calc(10px + env(safe-area-inset-bottom));background:rgba(6,7,9,.96);border-top:2px solid var(--amb);backdrop-filter:blur(6px)}
.sticky{transition:transform .25s ease}body.form-in-view .sticky{transform:translateY(120%)}
.sticky a{display:flex;align-items:center;justify-content:center;gap:6px;min-height:52px;border-radius:10px;background:#1c232a;color:var(--ink);font-weight:900;text-decoration:none;text-transform:uppercase;font-size:15px;letter-spacing:.03em;border:1px solid #333e49}.sticky svg{width:18px;height:18px;fill:var(--amb)}.sticky .sticky-main{background:linear-gradient(180deg,var(--amb),var(--amb2));color:#111;border:0}}
@media (min-width:901px){body{padding-bottom:0}}
@media (max-width:380px){.sticky{grid-template-columns:1fr 1fr 1.4fr}.sticky a{font-size:13px}}
.agent-line{display:flex;flex-direction:column;align-items:flex-end;margin:0;font-size:12px;line-height:1.25;color:var(--mut);text-align:right}.agent-line a{color:var(--ink);font-weight:800;font-size:14px;text-decoration:none}
.badges{list-style:none;display:flex;flex-wrap:wrap;gap:8px;padding:0;margin:0 0 22px}.badges li{border:1px solid #4a3a12;background:#1a1610;color:#ffd27a;border-radius:99px;padding:6px 12px;font-size:13px;font-weight:800;letter-spacing:.02em}
.how{list-style:none;padding:0;margin:0 0 18px;display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.how li{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:20px}.how .num{margin-bottom:12px}.how p{margin:0;color:#cfd6dd}
.agent-card{display:flex;gap:14px;align-items:center}.agent-ini{flex:0 0 auto;display:grid;place-items:center;width:52px;height:52px;border-radius:50%;background:var(--amb);color:#111;font-family:var(--display);font-size:18px}.agent-card .foot-brand{margin:0}
@media (min-width:901px){.agent-line{margin-left:auto;margin-right:18px}}
@media (max-width:900px){.how{grid-template-columns:1fr}.agent-line span{display:none}}

.who-h{margin:0 0 8px;font-size:12px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:#9aa6b2}
.badges.who li{border-color:#33404c;background:#141a20;color:#e9edf1;font-weight:700}
.ref-link{margin:14px 0 0;font-weight:700}
.ref-link a{color:#ffd27a;text-decoration:underline;text-underline-offset:3px}
.refer-card{background:linear-gradient(180deg,#1a1610,#12161b);border:1px solid #4a3a12;border-top:6px solid var(--amb);border-radius:14px;padding:26px 22px;text-align:center}
.refer-card h2{margin-top:4px}
.refer-card p{max-width:560px;margin-left:auto;margin-right:auto}
.refer-card .btn{margin-top:10px}

/* ---------- Referral form (on this page, #refer) ---------- */
.refer-head{text-align:center;margin-bottom:22px}
.refer-head p{max-width:600px;margin-left:auto;margin-right:auto}
.r-form{border-top:6px solid var(--amb)}
.r-form fieldset{border:0;margin:0 0 6px;padding:0;min-width:0}
.r-form legend{font-family:var(--display);text-transform:uppercase;font-size:18px;letter-spacing:.02em;color:var(--ink);padding:0;margin:0 0 2px}
.r-person{position:relative;border-top:1px solid var(--line)!important;padding-top:18px!important;margin-top:18px!important}
.r-row{display:grid;grid-template-columns:1fr 1fr;gap:0 14px}
@media (max-width:600px){.r-row{grid-template-columns:1fr}}
.opt{font-weight:400;color:var(--mut);font-size:13px}
.r-form textarea{width:100%;padding:12px 14px;border-radius:10px;border:2px solid #333e49;background:#0d1115;color:var(--ink);font-size:17px;font-family:inherit;resize:vertical}
.r-form textarea:focus{border-color:var(--amb);outline:none}
.r-form [aria-invalid=true]{border-color:var(--red)}
.r-hint{color:var(--amb);font-size:14px;margin:8px 0 0}
.r-remove{position:absolute;top:16px;right:0;background:transparent;border:1px solid var(--line);color:var(--mut);border-radius:8px;padding:6px 12px;font-size:14px;cursor:pointer}
.r-add{display:block;width:100%;margin:18px 0 4px;min-height:50px;border-radius:10px;border:2px dashed #4a3a12;background:transparent;color:var(--amb);font-weight:800;font-size:16px;cursor:pointer;font-family:inherit}
.r-add:hover{background:#1a1610}
.r-errbox{background:#2a1210;border:1px solid #6a2a24;color:#ffd6d2;border-radius:10px;padding:12px 14px;margin:0 0 14px;font-size:15px}
.r-errbox ul{margin:6px 0 0;padding-left:20px}
.r-fine{margin:12px 0 0;text-align:center}
.r-thanks{text-align:center;border-top:6px solid var(--amb)}
.r-thanks h3{font-family:var(--display);text-transform:uppercase;font-size:26px;margin:4px 0 8px}
.r-thanks .hero-ctas{justify-content:center}
body.ref-in-view .sticky{transform:translateY(120%)}

.co-intro{color:#d8dee4;max-width:44em;margin:0 0 22px}
.co-list{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.co{background:var(--card);border:1px solid var(--line);border-left:4px solid var(--amb);border-radius:12px;padding:14px 16px;font-weight:700;color:#eef2f5}
.co-note{color:var(--mut);font-size:14px;margin:18px 0 0}
@media (max-width:900px){.co-list{grid-template-columns:repeat(2,1fr)}}
@media (max-width:420px){.co-list{gap:10px}.co{padding:12px 13px;font-size:15px}}

/* Whole life section */
.wl-h{margin:34px 0 14px}.wl-compare{display:grid;grid-template-columns:1fr 1fr;gap:18px}.wl-col{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:20px 22px 6px}.wl-col .ticks{margin:8px 0 12px}.wl-col .ticks li{font-weight:500;color:#dfe5ea}.wl-name{font-family:var(--display);font-weight:900;text-transform:uppercase;color:var(--amb);font-size:20px;margin:0}.wl-cta-line{color:#d8dee4;margin:20px 0 14px}#whole-life .hero-ctas{margin:28px 0 0}
@media (max-width:900px){.wl-compare{grid-template-columns:1fr}}
.bar-cta{align-items:center}.bar-cta a{white-space:nowrap}.bar-cta .nav-link{color:var(--ink);text-decoration:none;font-weight:800;font-size:14px;text-transform:uppercase;letter-spacing:.04em;padding:8px 6px}.bar-cta .nav-link:hover{color:var(--amb)}
@media (min-width:901px) and (max-width:1180px){.agent-line span{display:none}}

.agent-wrap{display:grid;grid-template-columns:1fr minmax(0,560px);gap:40px;align-items:center}
.agent-lede{color:#d8dee4;max-width:34em;margin:0 0 18px}
.agent-office{margin:0 0 6px;font-size:18px;line-height:1.45}.agent-office-h{display:block;color:var(--mut);font-size:13px;font-weight:800;text-transform:uppercase;letter-spacing:.14em;margin-bottom:4px}
.agent-office a{color:var(--ink);text-decoration:none}.agent-office a:hover{color:var(--amb)}.agent-map{display:block;margin-top:4px}.agent-office .agent-map a{color:var(--amb)}
.agent-npn{margin:10px 0 20px}.agent-ctas{display:flex;flex-wrap:wrap;gap:12px}
.agent-fig{margin:0}.agent-fig img{display:block;width:100%;height:auto;border-radius:14px;box-shadow:0 14px 40px rgba(0,0,0,.55);border:1px solid #2a2f36}
@media (max-width:900px){.agent-wrap{grid-template-columns:1fr;gap:24px}.agent-fig{order:-1}}
@media (max-width:480px){.agent-ctas .btn,.agent-ctas .btn-ghost{flex:1 1 100%}}