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#0c243021;--container:1240px;--gutter:1.25rem;--header-h:74px;--fs-micro:.88rem;--fs-small:.96rem;--fs-base:1.02rem;--fs-body:1.08rem;--ease:cubic-bezier(.25, .6, .3, 1);--dur-fast:.16s;--dur:.3s}@media (min-width:768px){:root{--gutter:2rem;--header-h:88px}}*{box-sizing:border-box}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}body{background:var(--background);color:var(--text);font-family:var(--font-sans), system-ui, -apple-system, "Segoe UI", sans-serif;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;margin:0;font-size:1.1rem;line-height:1.75;overflow-x:hidden}::selection{background:var(--accent);color:var(--accent-ink)}:focus-visible{outline:2px solid var(--primary);outline-offset:3px;border-radius:var(--radius-sm)}a{color:inherit;text-decoration:none}img,video{max-width:100%;display:block}h1,h2,h3,h4{font-family:var(--font-display), Georgia, serif;color:var(--text-strong);letter-spacing:-.015em;margin:0;font-weight:500;line-height:1.18}.h-display{letter-spacing:-.025em;font-size:clamp(2.85rem,6.4vw,5.1rem);font-weight:400;line-height:1.06}.h1{letter-spacing:-.02em;font-size:clamp(2.35rem,5vw,3.8rem);font-weight:400;line-height:1.12}.h2{letter-spacing:-.018em;font-size:clamp(1.9rem,3.5vw,2.8rem);font-weight:400;line-height:1.18}.h3{font-family:var(--font-sans), sans-serif;letter-spacing:-.005em;font-size:1.24rem;font-weight:600;line-height:1.4}.accent-word{color:var(--primary);font-style:italic}.eyebrow{font-family:var(--font-sans), sans-serif;font-size:var(--fs-micro);letter-spacing:.13em;text-transform:uppercase;color:var(--accent-deep);align-items:center;gap:.5rem;font-weight:700;display:inline-flex}.eyebrow:before{content:"";background:var(--accent);border-radius:2px;flex-shrink:0;width:22px;height:2px}.lead{color:var(--text);font-size:clamp(1.18rem,1.6vw,1.4rem);line-height:1.68}.text-muted{color:var(--muted)}.container{width:100%;max-width:var(--container);padding-inline:var(--gutter);margin-inline:auto}.section{padding-block:clamp(4rem,8vw,7rem);position:relative}.section-tight{padding-block:clamp(2.5rem,5vw,4rem)}.section-tint{background:var(--surface-tint)}.band-blue{background:var(--primary);color:var(--on-dark);border-radius:var(--radius-band)}.band-blue .eyebrow,.band-blue .eyebrow:before,.band-blue .accent-word,.band-blue .link-arrow,.band-blue .btn-ghost{color:var(--accent-on-blue)}.band-blue .eyebrow:before{background:var(--accent-on-blue)}.band-blue .lead,.band-blue .text-muted{color:#dce9f0}.band-navy{background:var(--surface-navy);color:var(--on-dark);border-radius:var(--radius-band)}.band-blue h1,.band-blue h2,.band-blue h3,.band-navy h1,.band-navy h2,.band-navy h3{color:var(--on-dark)}.band-navy .lead,.band-navy .text-muted{color:var(--on-dark-muted)}.band-navy .eyebrow{color:var(--accent-on-dark)}.band-navy .eyebrow:before{background:var(--accent-on-dark)}.band-navy .accent-word{color:var(--accent-on-dark)}:is(.band-blue,.band-navy) :is(.card,.steps__item,.insured__footer,.insurer-card,.form-panel,.palig-card__logo,.sticky-card){color:var(--text)}:is(.band-blue,.band-navy) :is(.card,.steps__item,.insured__footer,.insurer-card,.form-panel,.palig-card__logo,.sticky-card) :is(h1,h2,h3,h4){color:var(--text-strong)}:is(.band-blue,.band-navy) :is(.card,.steps__item,.insured__footer,.insurer-card,.form-panel,.palig-card__logo,.sticky-card) :is(.lead,.text-muted,p){color:var(--muted)}:is(.band-blue,.band-navy) :is(.card,.steps__item,.insured__footer,.insurer-card,.form-panel,.palig-card__logo,.sticky-card) :is(.eyebrow,.link-arrow){color:var(--accent-deep)}:is(.band-blue,.band-navy) :is(.card,.steps__item,.insured__footer,.insurer-card,.form-panel,.palig-card__logo,.sticky-card) .eyebrow:before{background:var(--accent)}.card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-lg);transition:border-color var(--dur) var(--ease), box-shadow var(--dur) var(--ease), transform var(--dur) var(--ease)}.card-hover:hover{box-shadow:var(--shadow-lg);border-color:#0000;transform:translateY(-4px)}.divider{background:var(--border);border:0;height:1px}.icon-badge{background:var(--accent);width:52px;height:52px;color:var(--accent-ink);border-radius:50%;flex-shrink:0;place-items:center;display:grid}.icon-badge--teal{background:var(--primary-light);color:var(--primary-dark)}.band-blue .icon-badge--teal,.band-navy .icon-badge--teal{color:#fff;background:#ffffff24}.btn{border-radius:var(--radius-full);font-family:var(--font-sans), sans-serif;cursor:pointer;min-height:52px;transition:background-color var(--dur-fast) ease, border-color var(--dur-fast) ease, color var(--dur-fast) ease, transform var(--dur-fast) var(--ease), box-shadow var(--dur-fast) ease;border:2px solid #0000;justify-content:center;align-items:center;gap:.55rem;padding:.95rem 1.75rem;font-size:1.04rem;font-weight:600;display:inline-flex}.btn:active{transform:translateY(1px)}.btn-primary{background:var(--accent);color:var(--accent-ink);box-shadow:0 4px 14px #96c11f61}.btn-primary:hover{background:#a7d42c;box-shadow:0 6px 20px #96c11f80}.btn-secondary{border-color:var(--border-strong);color:var(--text-strong);background:#fff}.btn-secondary:hover{border-color:var(--primary);color:var(--primary)}.btn-ghost{color:var(--primary);background:0 0;border-color:#0000;padding-inline:.5rem}.btn-ghost:hover{color:var(--primary-dark);text-underline-offset:5px;text-decoration:underline}.band-blue .btn-secondary,.band-navy .btn-secondary{color:#fff;background:0 0;border-color:#ffffff73}.band-blue .btn-secondary:hover,.band-navy .btn-secondary:hover{color:var(--primary-dark);background:#fff;border-color:#fff}.band-navy .btn-ghost{color:var(--accent-on-dark)}.link-arrow{font-family:var(--font-sans), sans-serif;font-size:var(--fs-body);color:var(--accent-deep);transition:gap var(--dur-fast) var(--ease), color var(--dur-fast) ease;align-items:center;gap:.45rem;font-weight:700;display:inline-flex}.link-arrow:hover{gap:.75rem}.band-navy .link-arrow{color:var(--accent-on-dark)}.shape-photo{border-radius:var(--radius-photo);overflow:hidden}@keyframes fadeUp{0%{opacity:0;transform:translateY(16px)}to{opacity:1;transform:none}}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,:before,:after{transition-duration:.01ms!important;animation-duration:.01ms!important;animation-iteration-count:1!important}}.skip-link{z-index:200;background:var(--accent);color:var(--accent-ink);border-radius:var(--radius-full);transition:top var(--dur-fast) ease;padding:.75rem 1.25rem;font-weight:700;position:absolute;top:-100px;left:1rem}.skip-link:focus{top:1rem}.sr-only{clip:rect(0, 0, 0, 0);white-space:nowrap;border:0;width:1px;height:1px;margin:-1px;padding:0;position:absolute;overflow:hidden}:target,section[id],[id^=faq-]{scroll-margin-top:calc(var(--header-h) + 1.5rem)}@media (max-width:767px){body{padding-bottom:68px}}@property --tw-rotate-x{syntax:"*";inherits:false}@property --tw-rotate-y{syntax:"*";inherits:false}@property --tw-rotate-z{syntax:"*";inherits:false}@property --tw-skew-x{syntax:"*";inherits:false}@property --tw-skew-y{syntax:"*";inherits:false}