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p{font-size:1.05rem;color:#ffffffb8;max-width:580px;line-height:1.85}.content-section{padding:80px 0}.content-section.alt{background:var(--off-white)}.two-col{display:grid;grid-template-columns:1fr 1fr;gap:72px;align-items:start}.body-text p{font-size:.97rem;color:var(--gray-soft);line-height:1.9;margin-bottom:16px}.body-text p:last-child{margin-bottom:0}.check-list{list-style:none;margin:20px 0 32px}.check-list li{padding:10px 0;border-bottom:1px solid var(--gray-line);font-size:.95rem;color:var(--gray-mid);display:flex;gap:14px;align-items:flex-start}.check-list li:before{content:"✓";color:var(--green);font-weight:700;flex-shrink:0;margin-top:1px}.policy-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:48px}.policy-card{background:var(--white);border:1px solid var(--gray-line);padding:40px 32px;border-radius:2px;position:relative;transition:box-shadow .25s,transform .25s}.policy-card:hover{box-shadow:0 12px 40px 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1fr;gap:24px;margin-top:48px}.compare-card{padding:48px 40px;border-radius:2px}.compare-card.short{background:var(--green-pale);border-top:4px solid var(--green)}.compare-card.long{background:var(--gray-dark);border-top:4px solid var(--gold)}.compare-card h3{font-family:var(--font-display);font-size:1.6rem;font-weight:600;margin-bottom:20px}.compare-card.short h3{color:var(--green)}.compare-card.long h3{color:var(--white)}.compare-card ul{list-style:none}.compare-card ul li{padding:10px 0;border-bottom:1px solid rgba(0,0,0,.06);font-size:.92rem;display:flex;gap:12px}.compare-card.long ul li{border-color:#ffffff14;color:#fffc}.compare-card.short ul li{color:var(--gray-mid)}.compare-card ul li:before{content:"→";color:var(--gold);flex-shrink:0;font-size:14px}.cta-banner{background:var(--off-white);padding:80px 0;position:relative;overflow:hidden;border-top:1px solid var(--gray-line)}.cta-banner:before{content:"";position:absolute;inset:0;background:repeating-linear-gradient(-45deg,transparent,transparent 80px,rgba(0,0,0,.02) 80px,rgba(0,0,0,.02) 81px)}.cta-banner .container{display:flex;justify-content:space-between;align-items:center;gap:40px;flex-wrap:wrap;position:relative;z-index:2}.cta-banner h2{font-family:var(--font-display);font-size:clamp(2rem,4vw,2.8rem);font-weight:500;color:var(--gray-dark)}.cta-banner p{color:var(--gray-soft);font-size:1rem;margin-top:10px}.agent-profile{display:grid;grid-template-columns:320px 1fr;gap:64px;align-items:start;margin-bottom:80px;padding-bottom:80px;border-bottom:1px solid var(--gray-line)}.agent-profile:last-child{margin-bottom:0;padding-bottom:0;border-bottom:none}.agent-profile.flip{direction:rtl}.agent-profile.flip>*{direction:ltr}.agent-photo-wrap{position:relative}.agent-photo-box{width:100%;aspect-ratio:3/4;background:var(--green-pale);border:3px solid var(--green);display:flex;align-items:center;justify-content:center;border-radius:2px;overflow:hidden}.agent-initials{font-family:var(--font-display);font-size:5.5rem;font-weight:700;color:var(--green);opacity:.4}.agent-photo-caption{position:absolute;bottom:-16px;left:20px;right:20px;background:var(--gold);padding:12px 20px;box-shadow:0 4px 15px #0000001a}.agent-photo-caption strong{display:block;font-size:.9rem;font-weight:600;color:var(--gray-dark)}.agent-photo-caption span{font-size:11px;letter-spacing:1px;text-transform:uppercase;color:var(--gray-dark);opacity:.7}.agent-info{padding-top:12px}.agent-info h2{font-family:var(--font-display);font-size:2.4rem;font-weight:700;color:var(--gray-dark);margin-bottom:6px}.agent-title-tag{font-size:12px;letter-spacing:2px;text-transform:uppercase;color:var(--gold-dim);font-weight:500;margin-bottom:24px;display:block}.agent-details{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:32px;padding-top:32px;border-top:1px solid var(--gray-line)}.agent-detail-item{font-size:12px}.agent-detail-item .label{color:var(--gold-dim);letter-spacing:1.5px;text-transform:uppercase;font-weight:600;display:block;margin-bottom:4px}.agent-detail-item .value{color:var(--gray-mid);font-weight:500}.values-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:2px}.value-card{background:var(--gray-dark);padding:52px 40px;color:#fff;transition:background .3s}.value-card:nth-child(2n){background:var(--green)}.value-icon{font-size:2.2rem;margin-bottom:20px}.value-card h4{font-family:var(--font-display);font-size:1.4rem;font-weight:600;margin-bottom:12px;color:var(--gold-light)}.value-card p{font-size:.92rem;opacity:.8;line-height:1.8}.content-section+.cta-banner{margin-top:0}.content-section:has(+.cta-banner){padding-bottom:0}.resources-section{padding:80px 0}.resources-layout{display:grid;grid-template-columns:1fr 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svg{width:44px;height:44px;fill:var(--green);opacity:.25}.article-tag{font-size:10px;font-weight:700;letter-spacing:2px;text-transform:uppercase;color:var(--gold-dim);margin-bottom:10px;display:block}.article-card h3{font-family:var(--font-display);font-size:1.5rem;font-weight:600;color:var(--gray-dark);margin-bottom:12px;line-height:1.3}.article-card h3 a{text-decoration:none;color:inherit;transition:color .2s}.article-card h3 a:hover{color:var(--green)}.article-card p{font-size:.92rem;color:var(--gray-soft);line-height:1.85;margin-bottom:16px}.article-meta{font-size:11px;color:var(--gray-soft);letter-spacing:.5px;margin-bottom:16px}.article-meta span{color:var(--gray-line);margin:0 8px}.read-link{font-size:12px;font-weight:600;letter-spacing:1.5px;text-transform:uppercase;color:var(--green);text-decoration:none;display:inline-flex;align-items:center;gap:8px;transition:color 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p{font-size:.88rem;color:#fffc;margin-bottom:24px;line-height:1.75}.sidebar-cta a{background:var(--gold);color:var(--gray-dark);font-family:var(--font-body);font-size:12px;font-weight:700;letter-spacing:1.5px;text-transform:uppercase;padding:14px 28px;text-decoration:none;display:inline-block;border-radius:2px;transition:background .2s,transform .15s}.sidebar-cta a:hover{background:var(--gold-light);transform:translateY(-1px)}.steps-list{list-style:none;counter-reset:steps}.step-item{counter-increment:steps;display:flex;gap:28px;margin-bottom:40px;align-items:flex-start}.step-num{flex-shrink:0;width:56px;height:56px;background:var(--gold);border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:var(--font-display);font-size:1.6rem;font-weight:700;color:var(--gray-dark);box-shadow:0 4px 12px #c9a84c40}.step-content h4{font-weight:600;color:var(--gray-dark);margin-bottom:8px;font-size:1.05rem}.step-content p{font-size:.92rem;color:var(--gray-soft);line-height:1.8}.benefit-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}.benefit-card{background:var(--white);padding:36px 32px;border-top:3px solid var(--gold);box-shadow:0 4px 15px #0000000a}.benefit-icon{width:48px;height:48px;background:var(--green-pale);border-radius:50%;display:flex;align-items:center;justify-content:center;margin-bottom:20px}.benefit-icon svg{width:22px;height:22px;fill:var(--green)}.benefit-card h4{font-family:var(--font-display);font-size:1.25rem;font-weight:600;color:var(--gray-dark);margin-bottom:10px}.benefit-card p{font-size:.88rem;color:var(--gray-soft);line-height:1.8}.page-header{background:var(--off-white);padding:64px 0 56px;border-bottom:1px solid var(--gray-line);margin-bottom:64px}.page-header h1{font-family:var(--font-display);font-size:3rem;font-weight:600;color:var(--gray-dark);margin-bottom:12px}.page-header p{font-size:.95rem;color:var(--gray-soft);letter-spacing:.5px}.legal-content{padding-bottom:100px;max-width:860px}.legal-content h2{font-family:var(--font-display);font-size:1.6rem;font-weight:600;color:var(--gray-dark);margin:48px 0 16px;border-top:1px solid var(--gray-line);padding-top:36px}.legal-content h2:first-child{border-top:none;padding-top:0;margin-top:0}.legal-content p{font-size:.95rem;color:var(--gray-soft);line-height:1.9;margin-bottom:16px}.legal-content ul{padding-left:24px;margin-bottom:20px;list-style-type:disc}.legal-content ul li{font-size:.95rem;color:var(--gray-soft);line-height:1.9;margin-bottom:8px}.process-strip{background:var(--gray-dark);padding:80px 0;border-bottom:1px solid rgba(255,255,255,.05)}.process-steps{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}.process-step{background:#ffffff08;padding:40px 32px;text-align:center;border-radius:2px;border:1px solid rgba(255,255,255,.05);transition:transform .2s}.process-step:hover{transform:translateY(-4px);background:#ffffff0d}.process-step .num{font-family:var(--font-display);font-size:3.2rem;font-weight:700;color:var(--gold);line-height:1;margin-bottom:16px;opacity:.9}.process-step h4{font-size:.95rem;font-weight:600;color:var(--white);margin-bottom:10px;letter-spacing:.5px}.process-step p{font-size:.85rem;color:#ffffff80;line-height:1.8}.contact-info-card{background:var(--off-white);padding:44px;margin-bottom:32px;border-radius:2px;border:1px solid var(--gray-line)}.contact-info-card h3{font-family:var(--font-display);font-size:1.5rem;font-weight:600;color:var(--gray-dark);margin-bottom:24px}.contact-detail{display:flex;align-items:flex-start;gap:18px;margin-bottom:22px}.contact-detail:last-child{margin-bottom:0}.contact-detail svg{width:20px;height:20px;fill:var(--green);flex-shrink:0;margin-top:4px}.contact-detail-text strong{display:block;font-size:11px;letter-spacing:1.5px;text-transform:uppercase;color:var(--gold-dim);font-weight:700;margin-bottom:4px}.contact-detail-text a,.contact-detail-text span{color:var(--gray-mid);text-decoration:none;font-size:.95rem;font-weight:500}.contact-detail-text a:hover{color:var(--green)}.agent-mini{display:flex;gap:20px;align-items:center;padding:20px 0;border-bottom:1px solid var(--gray-line)}.agent-mini:last-child{border-bottom:none}.agent-avatar{width:56px;height:56px;border-radius:50%;background:var(--green-pale);border:2px solid var(--green);display:flex;align-items:center;justify-content:center;font-family:var(--font-display);font-size:1.25rem;font-weight:700;color:var(--green);flex-shrink:0}.agent-mini-info strong{display:block;font-size:.95rem;font-weight:600;color:var(--gray-dark)}.agent-mini-info span{font-size:11px;color:var(--gold-dim);letter-spacing:1px;text-transform:uppercase;font-weight:500}.map-placeholder{background:var(--green-pale);border:2px dashed var(--gray-line);height:240px;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:12px;margin-top:32px;border-radius:2px}.map-placeholder p{font-size:12px;color:var(--gray-soft);letter-spacing:1px;font-weight:500}.contact-section{padding:100px 0}@media(max-width:992px){.two-col,.policy-grid,.scenario-grid,.who-grid,.why-grid,.compare-grid,.stat-row,.agent-profile,.values-grid,.resources-layout,.article-card,.benefit-grid,.contact-grid,.process-steps{grid-template-columns:1fr}.agent-profile.flip{direction:ltr}.agent-photo-box{aspect-ratio:1/1;max-width:300px}.page-hero,.page-header{padding:60px 0}.page-header h1{font-size:2.4rem}.cta-banner .container{text-align:center;justify-content:center}.article-thumb{height:200px;width:100%}.contact-form{padding:40px 32px}.form-row,.services-grid,.testimonials-grid{grid-template-columns:1fr}.hero h1{font-size:2.8rem}.hero-stats{gap:30px;justify-content:center}.faq-grid{grid-template-columns:1fr;gap:40px}.footer-top{grid-template-columns:1fr;gap:40px;text-align:center}.footer-brand{display:flex;flex-direction:column;align-items:center}.footer-bottom{flex-direction:column;gap:20px;text-align:center}.trust-inner{gap:24px;padding:0 20px}.trust-item{font-size:11px}.why-grid{gap:40px}.why-card-main{padding:40px 24px}.why-card-main h3{font-size:1.6rem}.why-card-accent{position:static;margin-top:20px;max-width:160px}.why-visual{display:flex;flex-direction:column;align-items:flex-start}}@media(max-width:768px){.container{padding:0 24px}.section-title{font-size:2rem}.hero{padding:60px 0}}