:root{--navy: #1a2a5e;--navy-dark: #0f1b3d;--navy-deeper: #0a1229;--navy-light: #2a3d75;--gold: #c5962c;--gold-light: #e0b84a;--gold-pale: #f5e6c0;--gold-glow: rgba(197, 150, 44, .15);--white: #ffffff;--off-white: #f8f6f2;--gray-50: #fafaf9;--gray-100: #f0eeea;--gray-200: #e2dfd8;--gray-300: #c8c3b8;--gray-400: #9e9788;--gray-500: #7a7368;--gray-600: #5c564c;--gray-700: #3d3832;--text-primary: #1a1a1a;--text-secondary: #4a4a4a;--text-muted: #7a7a7a;--font-heading: "Playfair Display", Georgia, serif;--font-body: "Inter", -apple-system, BlinkMacSystemFont, sans-serif;--section-padding: 100px 0;--container-max: 1200px;--container-padding: 0 24px;--transition-fast: .2s cubic-bezier(.4, 0, .2, 1);--transition-smooth: .4s cubic-bezier(.4, 0, .2, 1);--transition-spring: .6s cubic-bezier(.34, 1.56, .64, 1);--shadow-sm: 0 1px 3px rgba(0, 0, 0, .08);--shadow-md: 0 4px 20px rgba(0, 0, 0, .08);--shadow-lg: 0 10px 40px rgba(0, 0, 0, .12);--shadow-xl: 0 20px 60px rgba(0, 0, 0, .15);--shadow-gold: 0 4px 30px rgba(197, 150, 44, .2);--spacing-xs: 4px;--spacing-sm: 8px;--spacing-md: 16px;--spacing-lg: 24px;--spacing-xl: 48px;--spacing-2xl: 80px;--nav-height: 80px;--radius-sm: 6px;--radius-md: 10px;--radius-lg: 16px;--text: #4a4a4a;--text-light: #7a7a7a;--light-gray: #f5f4f1;--transition: .3s ease}*,*:before,*:after{margin:0;padding:0;box-sizing:border-box}html{scroll-behavior:smooth;font-size:16px}body{font-family:var(--font-body);color:var(--text-primary);background:var(--white);line-height:1.7;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;overflow-x:hidden}img{max-width:100%;display:block}a{text-decoration:none;color:inherit;transition:color var(--transition-fast)}ul{list-style:none}h1,h2,h3,h4,h5,h6{font-family:var(--font-heading);line-height:1.2;font-weight:600}.container{max-width:var(--container-max);margin:0 auto;padding:var(--container-padding)}.section-label{display:inline-flex;align-items:center;gap:8px;font-family:var(--font-body);font-size:.8rem;font-weight:600;letter-spacing:3px;text-transform:uppercase;color:var(--gold);margin-bottom:16px}.section-label:before{content:"";display:inline-block;width:40px;height:2px;background:var(--gold)}.section-title{font-size:clamp(2rem,4vw,3rem);color:var(--navy);margin-bottom:20px}.section-subtitle{font-size:1.1rem;color:var(--text-secondary);max-width:600px;line-height:1.8}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:16px 36px;border:none;border-radius:50px;font-family:var(--font-body);font-size:.95rem;font-weight:600;cursor:pointer;transition:all var(--transition-smooth);position:relative;overflow:hidden}.btn:after{content:"";position:absolute;top:0;right:0;bottom:0;left:0;background:linear-gradient(135deg,rgba(255,255,255,.2),transparent);opacity:0;transition:opacity var(--transition-fast)}.btn:hover:after{opacity:1}.btn-primary{background:linear-gradient(135deg,var(--gold),var(--gold-light));color:var(--navy-dark);box-shadow:var(--shadow-gold)}.btn-primary:hover{transform:translateY(-3px);box-shadow:0 8px 40px #c5962c59}.btn-secondary{background:var(--navy);color:var(--white);border:2px solid var(--navy)}.btn-secondary:hover{border-color:var(--navy-light);background:var(--navy-light);color:var(--white);transform:translateY(-3px)}.btn-outline{background:transparent;color:var(--navy);border:2px solid var(--navy)}.btn-outline:hover{background:var(--navy);color:var(--white);transform:translateY(-3px)}.navbar{position:fixed;top:0;left:0;right:0;z-index:1000;padding:20px 0;transition:all var(--transition-smooth)}.navbar.scrolled{background:#0a1229f2;-webkit-backdrop-filter:blur(20px);backdrop-filter:blur(20px);padding:12px 0;box-shadow:0 4px 30px #00000026}.navbar .container{display:flex;align-items:center;justify-content:space-between}.nav-logo{display:flex;align-items:center;gap:12px}.nav-logo img{height:50px;width:auto;border-radius:8px}.nav-logo-text{font-family:var(--font-heading);font-size:1.15rem;font-weight:700;color:var(--navy);line-height:1.2}.nav-logo-text span{display:block;font-size:.7rem;font-weight:400;font-family:var(--font-body);color:var(--navy-light);letter-spacing:2px;text-transform:uppercase}.navbar.scrolled .nav-logo-text{color:var(--white)}.navbar.scrolled .nav-logo-text span{color:var(--gold)}.nav-links{display:flex;align-items:center;gap:36px}.nav-links a{color:var(--text-secondary);font-size:.9rem;font-weight:500;position:relative;padding:4px 0}.navbar.scrolled .nav-links a{color:#fffc}.nav-links a:after{content:"";position:absolute;bottom:-2px;left:0;width:0;height:2px;background:var(--gold);transition:width var(--transition-smooth)}.nav-links a:hover{color:var(--navy)}.navbar.scrolled .nav-links a:hover{color:var(--white)}.nav-links a:hover:after{width:100%}.nav-cta{padding:10px 24px!important;font-size:.85rem!important}.mobile-menu-btn{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:4px}.mobile-menu-btn span{display:block;width:24px;height:2px;background:var(--navy);transition:all var(--transition-fast)}.navbar.scrolled .mobile-menu-btn span{background:var(--white)}.mobile-nav{display:none;position:fixed;top:0;left:0;right:0;bottom:0;background:var(--navy-deeper);z-index:999;flex-direction:column;align-items:center;justify-content:center;gap:32px}.mobile-nav.open{display:flex}.mobile-nav a{color:var(--white);font-size:1.5rem;font-family:var(--font-heading)}.mobile-nav-close{position:absolute;top:24px;right:24px;background:none;border:none;color:var(--white);font-size:2rem;cursor:pointer}.hero{position:relative;min-height:100vh;display:flex;align-items:center;background:var(--white);overflow:hidden}.hero:before{content:"";position:absolute;top:-40%;right:-20%;width:80%;height:120%;background:radial-gradient(ellipse,rgba(197,150,44,.08) 0%,transparent 70%);pointer-events:none}.hero:after{content:"";position:absolute;bottom:0;left:0;right:0;height:120px;background:linear-gradient(to top,var(--white),transparent);z-index:2}.hero-grid{position:absolute;top:0;right:0;bottom:0;left:0;background-image:linear-gradient(rgba(255,255,255,.03) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.03) 1px,transparent 1px);background-size:60px 60px;pointer-events:none}.hero .container{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center;position:relative;z-index:3}.hero-content{animation:fadeInUp 1s ease-out}.hero-badge{display:inline-flex;align-items:center;gap:8px;background:#c5962c1f;border:1px solid rgba(197,150,44,.25);padding:8px 20px;border-radius:50px;font-size:.8rem;font-weight:600;color:var(--gold-light);margin-bottom:28px;letter-spacing:1px}.hero-badge-dot{width:8px;height:8px;background:var(--gold);border-radius:50%;animation:pulse-dot 2s ease-in-out infinite}.hero h1{font-size:clamp(2.5rem,5vw,3.8rem);color:var(--navy);margin-bottom:24px;font-weight:700}.hero h1 .gold-text{color:var(--gold);position:relative}.hero p{font-size:1.15rem;color:var(--text-secondary);line-height:1.9;margin-bottom:40px;max-width:520px}.hero-buttons{display:flex;gap:16px;flex-wrap:wrap}.hero-stats{display:flex;gap:40px;margin-top:50px;padding-top:40px;border-top:1px solid var(--gray-200)}.hero-stat h3{font-size:2rem;color:var(--gold);font-family:var(--font-body);font-weight:700}.hero-stat p{font-size:.85rem;color:var(--text-secondary);margin-bottom:0}.hero-visual{position:relative;display:flex;justify-content:center;animation:fadeInRight 1s ease-out .3s both}.hero-image-wrapper{position:relative;width:420px;height:520px}.hero-image-wrapper img{width:100%;height:100%;object-fit:cover;object-position:center top;border-radius:24px;box-shadow:var(--shadow-xl);transform:scale(.85)}.hero-image-ring{position:absolute;top:-20px;right:-20px;width:120px;height:120px;border:3px solid var(--gold);border-radius:50%;opacity:.3;animation:spin-slow 20s linear infinite}.hero-image-accent{position:absolute;bottom:-15px;left:-15px;width:200px;height:200px;background:linear-gradient(135deg,var(--gold),var(--gold-light));border-radius:24px;z-index:-1;opacity:.2}.hero-float-card{position:absolute;background:#ffffffe6;-webkit-backdrop-filter:blur(20px);backdrop-filter:blur(20px);border:1px solid rgba(0,0,0,.05);box-shadow:var(--shadow-lg);border-radius:16px;padding:16px 20px;display:flex;align-items:center;gap:12px;animation:float 6s ease-in-out infinite}.hero-float-card.card-1{bottom:40px;left:-40px}.hero-float-card.card-2{top:40px;right:-30px;animation-delay:2s}.float-card-icon{width:40px;height:40px;background:linear-gradient(135deg,var(--gold),var(--gold-light));border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:1.2rem;flex-shrink:0}.float-card-text h4{font-family:var(--font-body);font-size:.85rem;font-weight:600;color:var(--navy)}.float-card-text p{font-size:.75rem;color:var(--text-secondary);margin-bottom:0}.services{padding:var(--section-padding);background:var(--white)}.services .container{text-align:center}.services .section-subtitle{margin:0 auto 60px}.services-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:32px}.service-card{text-align:left;padding:48px 36px;border-radius:20px;background:var(--white);border:1px solid var(--gray-200);transition:all var(--transition-smooth);position:relative;overflow:hidden}.service-card:before{content:"";position:absolute;top:0;left:0;right:0;height:4px;background:linear-gradient(90deg,var(--gold),var(--gold-light));transform:scaleX(0);transform-origin:left;transition:transform var(--transition-smooth)}.service-card:hover{transform:translateY(-8px);box-shadow:var(--shadow-lg);border-color:transparent}.service-card:hover:before{transform:scaleX(1)}.service-icon{width:64px;height:64px;border-radius:16px;display:flex;align-items:center;justify-content:center;font-size:1.8rem;margin-bottom:24px;background:var(--gold-glow);transition:all var(--transition-smooth)}.service-card:hover .service-icon{background:linear-gradient(135deg,var(--gold),var(--gold-light));box-shadow:var(--shadow-gold);transform:scale(1.1)}.service-card h3{font-size:1.4rem;color:var(--navy);margin-bottom:14px}.service-card p{color:var(--text-secondary);font-size:.95rem;line-height:1.8;margin-bottom:24px}.service-features{display:flex;flex-direction:column;gap:10px}.service-features li{display:flex;align-items:center;gap:10px;font-size:.9rem;color:var(--text-secondary)}.service-features li .check{color:var(--gold);font-weight:700;flex-shrink:0}.about{padding:var(--section-padding);background:var(--off-white);position:relative;overflow:hidden}.about:before{content:"";position:absolute;top:0;right:0;width:50%;height:100%;background:radial-gradient(ellipse at top right,var(--gold-glow),transparent 60%);pointer-events:none}.about .container{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:center}.about-image{position:relative}.about-image img{border-radius:24px;box-shadow:var(--shadow-lg);width:100%;height:520px;object-fit:cover;object-position:center 15%}.about-image-badge{position:absolute;bottom:-24px;right:-24px;background:linear-gradient(135deg,var(--navy),var(--navy-light));color:var(--white);padding:24px 32px;border-radius:20px;text-align:center;box-shadow:var(--shadow-lg)}.about-image-badge h3{font-size:2rem;font-family:var(--font-body);font-weight:700;color:var(--gold)}.about-image-badge p{font-size:.8rem;color:#ffffffb3;letter-spacing:1px;text-transform:uppercase}.about-content h2{margin-bottom:24px}.about-content>p{color:var(--text-secondary);font-size:1.05rem;line-height:1.9;margin-bottom:32px}.about-values{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-bottom:36px}.about-value{display:flex;align-items:flex-start;gap:14px;padding:16px;background:var(--white);border-radius:12px;transition:all 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60px}.why-us-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}.why-card{text-align:center;padding:40px 24px;border-radius:20px;background:#ffffff0a;border:1px solid rgba(255,255,255,.08);transition:all var(--transition-smooth)}.why-card:hover{background:#ffffff14;border-color:#c5962c4d;transform:translateY(-6px)}.why-card-icon{width:60px;height:60px;border-radius:14px;background:linear-gradient(135deg,var(--gold),var(--gold-light));display:flex;align-items:center;justify-content:center;font-size:1.5rem;margin:0 auto 20px}.why-card h3{color:var(--white);font-family:var(--font-body);font-size:1.05rem;font-weight:600;margin-bottom:10px}.why-card p{color:#ffffff80;font-size:.9rem;line-height:1.7}.consultation{padding:var(--section-padding);background:var(--white)}.consultation .container{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center}.consultation-image{position:relative}.consultation-image img{border-radius:24px;box-shadow:var(--shadow-lg);width:100%;height:420px;object-fit:cover}.consultation-content h2{margin-bottom:20px}.consultation-content>p{color:var(--text-secondary);font-size:1.05rem;line-height:1.9;margin-bottom:32px}.consultation-steps{display:flex;flex-direction:column;gap:20px;margin-bottom:36px}.step{display:flex;align-items:flex-start;gap:16px}.step-number{width:40px;height:40px;border-radius:50%;background:linear-gradient(135deg,var(--gold),var(--gold-light));display:flex;align-items:center;justify-content:center;font-weight:700;font-size:.9rem;color:var(--navy-dark);flex-shrink:0}.step-text h4{font-family:var(--font-body);font-size:1rem;font-weight:600;color:var(--navy);margin-bottom:4px}.step-text p{font-size:.9rem;color:var(--text-muted)}.testimonials{padding:var(--section-padding);background:var(--off-white)}.testimonials .container{text-align:center}.testimonials .section-subtitle{margin:0 auto 60px}.testimonials-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:32px}.testimonial-card{text-align:left;background:var(--white);padding:36px;border-radius:20px;box-shadow:var(--shadow-sm);transition:all var(--transition-smooth);position:relative}.testimonial-card:hover{box-shadow:var(--shadow-md);transform:translateY(-4px)}.testimonial-stars{color:var(--gold);font-size:1rem;margin-bottom:16px;letter-spacing:2px}.testimonial-card blockquote{font-size:.95rem;color:var(--text-secondary);line-height:1.8;margin-bottom:24px;font-style:italic}.testimonial-author{display:flex;align-items:center;gap:12px}.testimonial-avatar{width:44px;height:44px;border-radius:50%;background:linear-gradient(135deg,var(--navy),var(--navy-light));display:flex;align-items:center;justify-content:center;color:var(--white);font-weight:600;font-size:.95rem}.testimonial-author h4{font-family:var(--font-body);font-size:.9rem;font-weight:600;color:var(--navy)}.testimonial-author p{font-size:.8rem;color:var(--text-muted)}.contact{padding:var(--section-padding);background:var(--white)}.contact .container{text-align:center}.contact .section-subtitle{margin:0 auto 48px}.contact-card{max-width:700px;margin:0 auto;background:linear-gradient(135deg,var(--navy-deeper),var(--navy));border-radius:28px;padding:60px;position:relative;overflow:hidden}.contact-card:before{content:"";position:absolute;top:-50%;right:-20%;width:300px;height:300px;background:radial-gradient(circle,rgba(197,150,44,.15),transparent 60%);pointer-events:none}.contact-card h3{font-size:1.8rem;color:var(--white);margin-bottom:16px}.contact-card>p{color:#fff9;margin-bottom:36px;font-size:1rem}.contact-methods{display:flex;justify-content:center;gap:32px;margin-bottom:36px;flex-wrap:wrap}.contact-method{display:flex;align-items:center;gap:12px;color:#fffc;font-size:.95rem}.contact-method-icon{width:40px;height:40px;border-radius:10px;background:#c5962c26;display:flex;align-items:center;justify-content:center;font-size:1.1rem;flex-shrink:0}.footer{background:var(--navy-deeper);padding:60px 0 30px}.footer-top{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:48px;padding-bottom:40px;border-bottom:1px solid rgba(255,255,255,.08)}.footer-brand{max-width:300px}.footer-brand img{height:55px;margin-bottom:16px;border-radius:8px}.footer-brand p{color:#ffffff80;font-size:.9rem;line-height:1.8;margin-bottom:20px}.footer-contact-info{display:flex;flex-direction:column;gap:12px}.footer-contact-info a{color:#fffc;font-size:.95rem;display:flex;align-items:center;gap:8px}.footer-contact-info a:hover{color:var(--gold)}.footer-col h4{color:var(--white);font-family:var(--font-body);font-size:.9rem;font-weight:600;margin-bottom:20px;text-transform:uppercase;letter-spacing:1px}.footer-col a{display:block;color:#ffffff80;font-size:.9rem;padding:6px 0;transition:all var(--transition-fast)}.footer-col a:hover{color:var(--gold);padding-left:6px}.footer-bottom{display:flex;justify-content:space-between;align-items:center;padding-top:30px;color:#ffffff4d;font-size:.8rem}.footer-bottom a{color:var(--gold)}.footer-bottom a:hover{color:var(--gold-light)}@keyframes fadeInUp{0%{opacity:0;transform:translateY(40px)}to{opacity:1;transform:translateY(0)}}@keyframes fadeInRight{0%{opacity:0;transform:translate(40px)}to{opacity:1;transform:translate(0)}}@keyframes float{0%,to{transform:translateY(0)}50%{transform:translateY(-12px)}}@keyframes pulse-dot{0%,to{opacity:1;transform:scale(1)}50%{opacity:.5;transform:scale(.8)}}@keyframes spin-slow{0%{transform:rotate(0)}to{transform:rotate(360deg)}}.animate-on-scroll{opacity:0;transform:translateY(30px);transition:all .8s cubic-bezier(.4,0,.2,1)}.animate-on-scroll.visible{opacity:1;transform:translateY(0)}@media (max-width: 1024px){.hero .container{grid-template-columns:1fr;text-align:center}.hero p{margin-left:auto;margin-right:auto}.hero-buttons,.hero-stats{justify-content:center}.hero-visual{display:none}.services-grid{grid-template-columns:1fr;max-width:500px;margin:0 auto}.about .container{grid-template-columns:1fr;gap:48px}.about-content{text-align:center}.about .section-subtitle{margin-left:auto;margin-right:auto}.why-us-grid{grid-template-columns:repeat(2,1fr)}.consultation .container{grid-template-columns:1fr;gap:48px}.testimonials-grid{grid-template-columns:1fr;max-width:500px;margin:0 auto}.footer-top{grid-template-columns:1fr 1fr;gap:32px}}@media (max-width: 768px){:root{--section-padding: 70px 0}.nav-links{display:none}.mobile-menu-btn{display:flex}.hero h1{font-size:2.2rem}.hero-stats{flex-direction:column;gap:20px;align-items:center}.about-values{grid-template-columns:1fr}.why-us-grid{grid-template-columns:1fr;max-width:400px;margin:0 auto}.contact-card{padding:36px 24px}.contact-methods{flex-direction:column;align-items:center}.footer-top{grid-template-columns:1fr;text-align:center}.footer-bottom{flex-direction:column;gap:12px;text-align:center}.blog-grid{grid-template-columns:1fr;gap:20px}.blog-card{padding:20px}.blog-card-icon{font-size:2rem}.blog-card-content h3{font-size:1.1rem}.blog-section-cta{flex-direction:column;align-items:center}.carriers-grid{gap:20px 30px}.carrier-logo{font-size:1rem}.about-me-page{padding-top:102px}.about-me-gallery{grid-template-columns:1fr}.about-me-bio{padding:24px 20px}.section-header h2,.section-title{font-size:1.6rem}}.modal-backdrop{position:fixed;top:0;left:0;width:100vw;height:100vh;background:#0a0f1ebf;backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px);display:flex;justify-content:center;align-items:center;z-index:9999;padding:var(--spacing-sm)}.modal-content{background:var(--white);padding:var(--spacing-xl);border-radius:var(--radius-lg);width:100%;max-width:500px;position:relative;box-shadow:var(--shadow-xl);border:1px solid rgba(197,150,44,.2);transform:translateY(0);animation:modalFadeIn .3s ease-out forwards}@keyframes modalFadeIn{0%{opacity:0;transform:translateY(20px)}to{opacity:1;transform:translateY(0)}}.modal-close{position:absolute;top:20px;right:20px;background:transparent;border:none;font-size:1.5rem;color:var(--text-light);cursor:pointer;transition:color var(--transition)}.modal-close:hover{color:var(--navy)}.modal-header{margin-bottom:var(--spacing-lg);text-align:center}.modal-header h3{color:var(--navy);font-size:1.75rem;margin-bottom:var(--spacing-xs)}.modal-header p{color:var(--text-light);font-size:.95rem}.intake-form .form-group{margin-bottom:var(--spacing-md);text-align:left}.intake-form label{display:block;font-size:.9rem;font-weight:600;color:var(--navy);margin-bottom:.5rem}.intake-form input,.intake-form textarea{width:100%;padding:12px 16px;border:1px solid rgba(0,0,0,.1);border-radius:var(--radius-md);font-size:1rem;transition:all var(--transition);font-family:Inter,sans-serif;box-sizing:border-box}.intake-form textarea{resize:vertical;min-height:80px}.intake-form input:focus,.intake-form textarea:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px #c5962c1a}.modal-submit{width:100%;margin-top:var(--spacing-sm);padding:14px;font-size:1.1rem}.about-me-page{padding-top:calc(var(--nav-height) + var(--spacing-xl));padding-bottom:var(--spacing-2xl);min-height:100vh;background-color:var(--white)}.about-me-header{text-align:center;margin-bottom:var(--spacing-xl)}.about-me-gallery{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:var(--spacing-md);margin-bottom:var(--spacing-2xl)}.gallery-item{position:relative;border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow-md);aspect-ratio:4/3}.gallery-item img{width:100%;height:100%;object-fit:cover;transition:transform .5s ease}.item-2 img{object-position:top center}.gallery-item:hover img{transform:scale(1.05)}.about-me-bio{max-width:800px;margin:0 auto;text-align:center;background:var(--light-gray);padding:var(--spacing-xl);border-radius:var(--radius-lg);border-top:4px solid var(--gold)}.about-me-bio h2{color:var(--navy);margin-bottom:var(--spacing-md)}.about-me-bio p{font-size:1.1rem;line-height:1.7;color:var(--text);margin-bottom:var(--spacing-md)}.about-me-cta{margin-top:var(--spacing-lg)}.carriers{padding:var(--spacing-lg) 0;background-color:var(--light-gray);border-top:1px solid rgba(0,0,0,.05);border-bottom:1px solid rgba(0,0,0,.05)}.carriers-label{text-align:center;font-size:.9rem;text-transform:uppercase;letter-spacing:2px;color:var(--text-light);margin-bottom:var(--spacing-md);font-weight:600}.carriers-grid{display:flex;flex-wrap:wrap;justify-content:center;align-items:center;gap:var(--spacing-xl);opacity:.7;transition:opacity var(--transition)}.carriers-grid:hover{opacity:1}.carrier-logo{font-weight:800;font-size:1.25rem;letter-spacing:-.5px;color:var(--navy);filter:grayscale(100%);transition:all var(--transition);-webkit-user-select:none;user-select:none}.carrier-logo:hover{filter:grayscale(0%);transform:translateY(-2px)}.carrier-mutual:hover{color:#003a70}.carrier-transamerica:hover{color:#d22630}.carrier-aig:hover{color:#00a4e4}.carrier-foresters:hover{color:#00763c}.carrier-kemper:hover{color:#e87722;font-style:italic}.carrier-global:hover{color:#005a8c}.carrier-nlg:hover{color:#004c45}.carrier-fg:hover{color:#43135c}.blog{background-color:var(--white)}.blog-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:var(--spacing-lg);margin-top:var(--spacing-xl)}.blog-card{background:var(--light-gray);border-radius:var(--radius-md);padding:var(--spacing-lg);box-shadow:0 4px 6px #0000000d;border-top:4px solid var(--navy);transition:transform var(--transition),box-shadow var(--transition);height:100%;display:flex;flex-direction:column;text-decoration:none;color:inherit;cursor:pointer}.blog-card:hover{transform:translateY(-5px);box-shadow:var(--shadow-md);border-top-color:var(--gold)}.blog-card-icon{font-size:2.5rem;margin-bottom:var(--spacing-sm)}.blog-meta{display:flex;justify-content:space-between;align-items:center;margin-bottom:var(--spacing-sm);font-size:.85rem;font-weight:600;color:var(--text-light);flex-wrap:wrap;gap:.5rem}.blog-category{color:var(--gold);text-transform:uppercase;letter-spacing:1px}.blog-read-time{color:var(--text-light);font-style:italic}.blog-card-content h3{font-size:1.25rem;margin-bottom:var(--spacing-sm);color:var(--navy)}.blog-card-content p{font-size:.95rem;color:var(--text);line-height:1.6;flex-grow:1;margin-bottom:var(--spacing-md)}.btn-text{background:none;border:none;color:var(--navy);font-weight:700;cursor:pointer;padding:0;text-align:left;transition:color var(--transition);margin-top:auto;font-size:.95rem}.blog-card:hover .btn-text,.btn-text:hover{color:var(--gold)}.blog-post-page{padding-top:calc(var(--nav-height) + var(--spacing-xl));padding-bottom:var(--spacing-2xl);min-height:100vh;background:var(--white)}.blog-post-not-found{text-align:center;padding:var(--spacing-2xl) 0}.blog-post-not-found h1{color:var(--navy);margin-bottom:var(--spacing-md)}.blog-post-back{display:inline-block;color:var(--gold);font-weight:600;text-decoration:none;margin-bottom:var(--spacing-lg);transition:color var(--transition);font-size:.95rem}.blog-post-back:hover{color:var(--navy)}.blog-post-header{max-width:800px;margin:0 auto var(--spacing-xl)}.blog-post-header .blog-post-meta{display:flex;gap:var(--spacing-md);align-items:center;margin-bottom:var(--spacing-md);flex-wrap:wrap}.blog-post-header h1{font-size:2.5rem;color:var(--navy);line-height:1.2;margin-bottom:var(--spacing-lg)}.blog-post-author{display:flex;align-items:center;gap:var(--spacing-md);padding-top:var(--spacing-md);border-top:1px solid rgba(0,0,0,.08)}.blog-author-avatar{width:48px;height:48px;border-radius:50%;object-fit:cover}.blog-post-author div{display:flex;flex-direction:column}.blog-post-author strong{color:var(--navy);font-size:1rem}.blog-post-author span{color:var(--text-light);font-size:.85rem}.blog-post-body{max-width:800px;margin:0 auto}.blog-post-body p{font-size:1.1rem;line-height:1.8;color:var(--text);margin-bottom:var(--spacing-lg)}.blog-post-body h2{font-size:1.6rem;color:var(--navy);margin-top:var(--spacing-xl);margin-bottom:var(--spacing-md);padding-bottom:var(--spacing-sm);border-bottom:2px solid var(--gold)}.blog-post-body strong{color:var(--navy)}.blog-list-block{background:var(--light-gray);border-radius:var(--radius-md);padding:var(--spacing-lg);margin-bottom:var(--spacing-lg);border-left:4px solid var(--gold)}.blog-list-block p{font-size:1rem;margin-bottom:var(--spacing-sm);line-height:1.7}.blog-list-block p:last-child{margin-bottom:0}.blog-post-cta{max-width:800px;margin:var(--spacing-2xl) auto 0}.blog-cta-card{background:linear-gradient(135deg,var(--navy),#243b6e);color:var(--white);text-align:center;padding:var(--spacing-xl);border-radius:var(--radius-lg);box-shadow:var(--shadow-lg)}.blog-cta-card h3{font-size:1.5rem;margin-bottom:var(--spacing-sm);color:var(--gold)}.blog-cta-card p{font-size:1.05rem;opacity:.9;margin-bottom:var(--spacing-lg);max-width:500px;margin-left:auto;margin-right:auto}.blog-cta-phone{display:block;margin-top:var(--spacing-md);color:#fffc;text-decoration:none;font-size:.95rem;transition:color var(--transition)}.blog-cta-phone:hover{color:var(--gold)}@media (max-width: 768px){.blog-post-page{padding-top:94px;padding-bottom:48px}.blog-post-header{margin-bottom:32px}.blog-post-header h1{font-size:1.6rem;line-height:1.3}.blog-post-header .blog-post-meta{gap:8px 16px}.blog-post-body p{font-size:1rem;line-height:1.75;margin-bottom:20px}.blog-post-body h2{font-size:1.25rem;margin-top:36px;margin-bottom:16px}.blog-list-block{padding:16px;margin-bottom:20px}.blog-list-block p{font-size:.95rem;line-height:1.65}.blog-cta-card{padding:28px 20px}.blog-cta-card h3{font-size:1.25rem}.blog-cta-card p{font-size:.95rem}.blog-post-author{gap:12px}}.blog-section-cta{text-align:center;margin-top:var(--spacing-xl);display:flex;gap:var(--spacing-md);justify-content:center;flex-wrap:wrap}.blog-list-page{padding-top:calc(var(--nav-height) + var(--spacing-xl));padding-bottom:var(--spacing-2xl);min-height:100vh;background:var(--white)}.blog-list-header{text-align:center;margin-bottom:var(--spacing-2xl)}.blog-list-header h1{font-size:2.5rem;color:var(--navy);margin-bottom:var(--spacing-md)}.blog-list-header p{font-size:1.15rem;color:var(--text);max-width:650px;margin:0 auto;line-height:1.7}.blog-list-grid{display:flex;flex-direction:column;gap:var(--spacing-lg)}.blog-list-card{display:flex;gap:var(--spacing-lg);background:var(--light-gray);border-radius:var(--radius-lg);padding:var(--spacing-lg);text-decoration:none;color:inherit;border-left:5px solid var(--navy);transition:all var(--transition);box-shadow:0 2px 8px #0000000a}.blog-list-card:hover{transform:translate(6px);box-shadow:var(--shadow-md);border-left-color:var(--gold)}.blog-list-card-left{display:flex;align-items:flex-start;padding-top:4px}.blog-list-icon{font-size:2.8rem;line-height:1}.blog-list-card-body h2{font-size:1.4rem;color:var(--navy);margin-bottom:var(--spacing-sm);line-height:1.3}.blog-list-card-body p{font-size:1rem;color:var(--text);line-height:1.6;margin-bottom:var(--spacing-sm)}.blog-list-card:hover .btn-text{color:var(--gold)}.blog-list-bottom{margin-top:var(--spacing-2xl)}@media (max-width: 768px){.blog-list-header h1{font-size:1.75rem}.blog-list-card{flex-direction:column;gap:var(--spacing-sm)}.blog-list-icon{font-size:2rem}.blog-list-card-body h2{font-size:1.2rem}}