*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,system-ui,sans-serif;color:#111827;background:#fff;line-height:1.65}a{color:inherit;text-decoration:none}.container{width:min(1160px,calc(100% - 40px));margin:auto}.site-header{position:sticky;top:0;z-index:50;background:rgba(7,16,29,.96);backdrop-filter:blur(14px);border-bottom:1px solid rgba(255,255,255,.1)}.nav-wrap{min-height:78px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand img{width:100px;height:62px;object-fit:contain;mix-blend-mode:screen}.nav{display:flex;align-items:center;gap:24px;color:#e5edf8;font-size:14px;font-weight:600}.nav a:hover{color:#5aa9ff}.nav-cta{padding:11px 16px;border-radius:999px;background:#1677e8;color:white!important}.menu-btn{display:none;background:none;border:0}.menu-btn span{display:block;width:24px;height:2px;background:#fff;margin:5px}.hero{position:relative;min-height:690px;overflow:hidden;background:#07101d;color:white}.hero-bg{position:absolute;inset:0;background:linear-gradient(90deg,rgba(5,13,24,.95) 0%,rgba(5,13,24,.86) 45%,rgba(5,13,24,.25) 100%),url('assets/west-virginia-hero.jpg') center/cover}.hero-grid{position:relative;display:grid;grid-template-columns:1.05fr .95fr;min-height:690px;align-items:center}.hero-copy{padding:70px 0}.eyebrow{margin:0 0 12px;color:#1677e8;text-transform:uppercase;letter-spacing:.14em;font-weight:800;font-size:12px}.eyebrow.light{color:#6db5ff}.hero h1{font-family:'Playfair Display',Georgia,serif;font-size:clamp(44px,6vw,72px);line-height:1.05;margin:0 0 24px;letter-spacing:-.04em}.hero h1 span{color:#69b6ff}.lead{font-size:21px;line-height:1.5;max-width:640px;color:#edf5ff}.hero-note{max-width:610px;color:#b9c9dc}.actions{display:flex;flex-wrap:wrap;gap:12px;margin:30px 0}.btn{display:inline-flex;align-items:center;justify-content:center;border-radius:9px;padding:14px 20px;font-weight:800;border:1px solid transparent;cursor:pointer}.btn.primary{background:#1677e8;color:#fff;box-shadow:0 10px 30px rgba(22,119,232,.24)}.btn.ghost{border-color:rgba(255,255,255,.35);color:#fff}.btn.white{background:#fff;color:#0a1626}.trust-row{display:flex;gap:18px;flex-wrap:wrap;color:#c8d6e6;font-size:13px}.hero-person{height:100%;display:flex;align-items:end;justify-content:center}.hero-person img{height:min(680px,92%);max-width:100%;object-fit:contain;object-position:bottom;filter:drop-shadow(0 20px 45px rgba(0,0,0,.4))}.intro-strip{background:#f3f7fb;border-bottom:1px solid #e1e8f0}.intro-inner{display:grid;grid-template-columns:.8fr 1.2fr;gap:50px;padding:48px 0;align-items:center}.intro-inner h2,.section h2,.dark-section h2,.quote-box h2,.cta-section h2{font-family:'Playfair 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1.2fr;gap:80px;align-items:center}.logo-panel{background:#02060c;border-radius:24px;padding:30px;border:1px solid rgba(255,255,255,.1);display:flex;justify-content:center}.logo-panel img{width:100%;max-width:430px;border-radius:16px}.dark-section .large{color:#c1cfdf;font-size:18px}.principles{margin-top:35px;display:grid;gap:18px}.principles div{display:grid;grid-template-columns:210px 1fr;gap:20px;border-top:1px solid rgba(255,255,255,.1);padding-top:18px}.principles strong{color:#fff}.principles span{color:#aebfd2}.about{background:#f7f9fc}.about-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:80px;align-items:center}.about-photo{background:#07101d;border-radius:24px;overflow:hidden;display:flex;justify-content:center}.about-photo img{width:100%;max-height:620px;object-fit:cover;object-position:center top}.about .large{font-size:20px;color:#33465c}.credentials{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:32px}.credentials div{background:#fff;border:1px solid #e0e7ef;border-radius:12px;padding:16px}.credentials span{display:block;color:#69798b;font-size:11px;text-transform:uppercase;letter-spacing:.08em}.credentials strong{display:block;margin-top:4px}.carriers{padding-top:80px}.carrier-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.carrier{padding:20px;text-align:center;border:1px solid #e1e8f0;border-radius:12px;font-weight:800;background:#fff}.quote-section{padding:80px 0}.quote-box{border-radius:22px;background:#eaf4ff;border:1px solid #cfe5ff;padding:55px;display:grid;grid-template-columns:1fr 1fr;gap:35px;align-items:center}.quote-box>p{color:#405268;margin:0}.quote-box .btn{justify-self:start}.faq{background:#fff}.faq-list{border-top:1px solid #dfe6ee}.faq-list details{border-bottom:1px solid #dfe6ee;padding:20px 0}.faq-list summary{cursor:pointer;font-weight:800;font-size:18px}.faq-list details p{max-width:800px;color:#5a6b7f}.cta-section{background:linear-gradient(120deg,#0a2441,#0b5eb9);color:#fff;padding:75px 0}.cta-inner{display:flex;justify-content:space-between;gap:35px;align-items:center}.cta-inner p:not(.eyebrow){color:#d4e5f7;max-width:650px}.footer{background:#050b13;color:#aebfd2;padding:60px 0 20px}.footer-grid{display:grid;grid-template-columns:1.4fr .8fr .8fr;gap:50px}.footer-logo{width:110px;height:75px;object-fit:contain;mix-blend-mode:screen}.footer-grid a,.footer-grid p{display:block;margin:7px 0;font-size:14px}.footer-grid h4{color:white;margin-top:15px}.footer-bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:45px;padding-top:20px;font-size:11px;color:#71869c}.footer-bottom p{margin:6px 0}.form-page{padding:90px 0;background:#f5f8fc;min-height:calc(100vh - 78px)}.form-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:70px;align-items:start}.form-copy h1{font-family:'Playfair Display',Georgia,serif;font-size:clamp(42px,5vw,62px);line-height:1.05;margin:0 0 20px}.form-copy>p{font-size:18px;color:#52657b}.form-points{margin-top:35px;color:#22384f;font-weight:700}.consult-form{background:#fff;border:1px solid #dfe7ef;border-radius:18px;padding:30px;box-shadow:0 15px 45px rgba(10,30,55,.07)}label{display:block;font-size:13px;font-weight:800;color:#2b4057;margin-bottom:16px}input,select,textarea{display:block;width:100%;margin-top:7px;border:1px solid #ccd7e2;border-radius:9px;padding:13px 14px;font:inherit;background:#fff;color:#111827}textarea{resize:vertical}.two{display:grid;grid-template-columns:1fr 1fr;gap:14px}.optional{font-weight:400;color:#7a8a9c}.full{width:100%;margin-top:5px}.form-small{font-size:11px;color:#718196;text-align:center}.back-link{color:#fff;font-weight:700}.brand{display:flex;align-items:center}
@media(max-width:900px){.nav{display:none;position:absolute;left:20px;right:20px;top:72px;background:#07101d;padding:18px;border:1px solid rgba(255,255,255,.12);border-radius:14px;flex-direction:column;align-items:stretch}.nav.open{display:flex}.menu-btn{display:block}.hero-grid,.intro-inner,.section-head,.why-grid,.about-grid,.quote-box,.form-grid{grid-template-columns:1fr}.hero{min-height:auto}.hero-grid{min-height:auto}.hero-copy{padding:80px 0 20px}.hero-person{max-height:480px}.hero-person img{height:480px}.cards{grid-template-columns:repeat(2,1fr)}.principles div{grid-template-columns:1fr;gap:4px}.carrier-grid{grid-template-columns:repeat(2,1fr)}.cta-inner{flex-direction:column;align-items:flex-start}.footer-grid{grid-template-columns:1fr 1fr}.section-head{gap:15px}}
@media(max-width:600px){.container{width:min(100% - 28px,1160px)}.site-header .brand img{width:82px}.hero h1{font-size:44px}.lead{font-size:18px}.hero-person img{height:390px}.actions .btn{width:100%}.trust-row{display:grid;gap:8px}.section,.dark-section{padding:70px 0}.cards{grid-template-columns:1fr}.credentials{grid-template-columns:1fr}.carrier-grid{grid-template-columns:1fr 1fr}.quote-box{padding:30px}.quote-box .btn{width:100%}.footer-grid{grid-template-columns:1fr}.form-page{padding:55px 0}.form-grid{gap:35px}.two{grid-template-columns:1fr}.back-link{font-size:13px}}

.quick-start{padding:70px 0;background:#edf6ff;border-top:1px solid #d8e8f7;border-bottom:1px solid #d8e8f7}
.quick-start-inner{display:flex;align-items:center;justify-content:space-between;gap:35px}
.quick-start h2{margin-bottom:10px}
.quick-start p{max-width:700px;color:var(--muted);margin:0}
.quote-intro{padding:75px 0 35px}
.quote-intro h1{max-width:900px}
.quote-grid{display:grid;grid-template-columns:minmax(0,1.3fr) minmax(280px,.7fr);gap:35px;align-items:start;padding-bottom:90px}
.form-section-title{font-size:12px;text-transform:uppercase;letter-spacing:.14em;font-weight:950;color:var(--blue);padding-top:8px;margin-top:8px;border-top:1px solid var(--line)}
.form-two{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.consent{display:flex;gap:10px;align-items:flex-start;margin-top:10px;font-size:12px;color:#637287}
.consent input{margin-top:4px}
.quote-side{display:grid;gap:16px;position:sticky;top:100px}
.quote-card{background:#fff;border-radius:22px;padding:28px;box-shadow:var(--shadow);border:1px solid #e0e8f1}
.quote-card h2{font-size:32px}
.quote-card p{color:var(--muted)}
.quote-card.dark{background:var(--navy);color:#fff;border-color:transparent}
.quote-card.dark a{display:block;color:#a9d9ff;text-decoration:none;font-weight:800;margin-top:7px}
.phone-link{font-size:25px}
.mini-list{display:grid;gap:10px;margin-top:20px;font-weight:750}
@media(max-width:900px){
  .quick-start-inner{align-items:flex-start;flex-direction:column}
  .quote-grid{grid-template-columns:1fr}
  .quote-side{position:static}
}
@media(max-width:600px){
  .form-two{grid-template-columns:1fr}
  .quote-intro{padding-top:55px}
}