:root{
  --navy:#0B1F3A; --navy-2:#13315c; --teal:#1446AE; --teal-d:#0F2A66; --teal-l:#E9EEF8; --gold:#C9A54C; --gold-d:#A8873A;
  /* "teal" vars kept for compatibility; now mapped to the brand blue palette */
  --ink:#1b2430; --muted:#5b6675; --bg:#ffffff; --bg-alt:#f4f7fa; --line:#dde3ea;
  --todo:#fff4d6; --todo-b:#e0a800;
  --r:14px; --shadow:0 6px 24px rgba(11,37,69,.08);
  --max:1120px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;font-size:17px}
img{max-width:100%;display:block}
a{color:var(--teal-d)}
h1,h2,h3{color:var(--navy);line-height:1.2;margin:0 0 .5em}
h1{font-size:clamp(2rem,6vw,3.2rem);letter-spacing:-.02em}
h2{font-size:clamp(1.6rem,4vw,2.3rem);letter-spacing:-.01em}
h3{font-size:1.2rem}
p{margin:0 0 1em}
.container{max-width:var(--max);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:10px 14px;z-index:100}
.skip:focus{left:10px;top:10px}
:focus-visible{outline:3px solid var(--teal);outline-offset:2px}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(6px);border-bottom:1px solid var(--line)}
.header-inner{display:flex;align-items:center;justify-content:space-between;height:68px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);font-weight:800;font-size:1.15rem}
.brand-logo{height:56px;width:auto}
@media(max-width:640px){.brand-logo{height:48px}}
.footer-brand{margin-bottom:14px}.footer-logo{height:64px;width:auto}
.brand-mark{width:34px;height:34px;border-radius:9px;background:linear-gradient(135deg,var(--teal),var(--navy));display:grid;place-items:center;color:#fff;font-size:1rem}
.nav-toggle{display:inline-flex;align-items:center;gap:8px;background:none;border:1px solid var(--line);border-radius:10px;padding:8px 12px;font:inherit;color:var(--navy);cursor:pointer}
#site-nav{display:none;position:absolute;top:68px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);padding:10px 20px 20px}
#site-nav.open{display:block}
#site-nav ul{list-style:none;margin:0;padding:0}
#site-nav a{display:block;padding:12px 4px;text-decoration:none;color:var(--ink);font-weight:500;border-bottom:1px solid var(--bg-alt)}
#site-nav a.btn{border:0;margin-top:10px;text-align:center;color:#fff}
@media(min-width:960px){
  .nav-toggle{display:none}
  #site-nav{display:block;position:static;padding:0;border:0;background:none}
  #site-nav ul{display:flex;gap:4px;align-items:center}
  #site-nav a{border:0;padding:8px 12px;font-size:.95rem}
  #site-nav a.btn{margin:0 0 0 8px;padding:10px 18px}
}

/* Buttons */
.btn{display:inline-block;background:var(--teal);color:#fff;text-decoration:none;font-weight:700;padding:14px 24px;border-radius:999px;border:2px solid var(--teal);transition:background .15s,transform .15s;cursor:pointer;font-size:1rem}
.btn:hover{background:var(--teal-d);border-color:var(--teal-d);transform:translateY(-1px)}
.btn-outline{background:transparent;color:#fff;border-color:rgba(255,255,255,.6)}
.btn-outline:hover{background:rgba(255,255,255,.1);border-color:#fff}

/* Hero */
.hero{background:linear-gradient(180deg,rgba(11,31,58,.88),rgba(11,31,58,.80)),url("../assets/img/family-hero.jpg") center 30%/cover no-repeat,var(--navy);color:#e8eef6;padding:64px 0 72px}
@media(min-width:900px){.hero{background:linear-gradient(90deg,rgba(11,31,58,.95) 0%,rgba(11,31,58,.86) 48%,rgba(11,31,58,.62) 100%),url("../assets/img/family-hero.jpg") center 30%/cover no-repeat,var(--navy)}}
.hero h1{color:#fff}
.hero .lead{font-size:1.15rem;max-width:620px;color:#cfe0ee}
.eyebrow{display:inline-block;font-size:.8rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:#E6C77E;margin-bottom:14px}
.hero-ctas{display:flex;flex-wrap:wrap;gap:12px;margin:28px 0 30px}
.hero-points{list-style:none;padding:0;margin:0;display:grid;gap:10px}
.hero-points li{display:flex;gap:10px;align-items:flex-start}
.check{flex:none;width:22px;height:22px;border-radius:50%;background:var(--gold);color:#fff;display:grid;place-items:center;font-size:.75rem;margin-top:3px}
.hero-grid{display:grid;gap:40px}
.hero-card{background:#fff;color:var(--ink);border-radius:var(--r);padding:26px;box-shadow:0 20px 50px rgba(0,0,0,.25)}
.hero-card h2{font-size:1.3rem}
.hero-card ol{padding-left:1.2em;margin:0 0 18px}
.hero-card li{margin-bottom:8px}
@media(min-width:900px){.hero{padding:96px 0 104px}.hero-grid{grid-template-columns:1.35fr 1fr;align-items:center}.hero-points{grid-template-columns:1fr 1fr}}

/* Sections */
section{padding:72px 0;scroll-margin-top:68px}
.alt{background:var(--bg-alt)}
.section-head{max-width:720px;margin-bottom:36px}
.section-head p{color:var(--muted);font-size:1.08rem}
.grid{display:grid;gap:20px}
@media(min-width:640px){.grid-2{grid-template-columns:repeat(2,1fr)}.grid-3{grid-template-columns:repeat(2,1fr)}.grid-4{grid-template-columns:repeat(2,1fr)}}
@media(min-width:960px){.grid-3{grid-template-columns:repeat(3,1fr)}.grid-4{grid-template-columns:repeat(4,1fr)}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px;box-shadow:var(--shadow)}
.card .icon{width:46px;height:46px;border-radius:12px;background:var(--teal-l);color:var(--teal-d);display:grid;place-items:center;font-size:1.4rem;margin-bottom:14px}
.card p{color:var(--muted);margin-bottom:.6em}
.card ul{color:var(--muted);padding-left:1.1em;margin:0}
.tag{display:inline-block;font-size:.75rem;font-weight:700;letter-spacing:.04em;text-transform:uppercase;background:var(--teal-l);color:var(--teal-d);padding:3px 10px;border-radius:999px;margin-bottom:10px}
.tag.secondary{background:#eef1f6;color:var(--navy-2)}

/* Value strip */
.value{display:grid;gap:18px}
@media(min-width:760px){.value{grid-template-columns:repeat(3,1fr)}}
.value div{padding:22px;border-left:4px solid var(--teal);background:#fff;border-radius:0 var(--r) var(--r) 0;box-shadow:var(--shadow)}
.value strong{display:block;color:var(--navy);font-size:1.1rem;margin-bottom:4px}
.value span{color:var(--muted)}

/* Carriers */
/* Carrier logo marquee */
#carriers h3{margin:28px 0 12px}
.marquee{--gap:16px;--card-w:200px;--dur:60s;position:relative;overflow:hidden;padding:6px 0;outline:none;
  -webkit-mask-image:linear-gradient(90deg,transparent 0,#000 7%,#000 93%,transparent 100%);
          mask-image:linear-gradient(90deg,transparent 0,#000 7%,#000 93%,transparent 100%)}
.marquee:focus-visible{box-shadow:0 0 0 3px var(--teal);border-radius:14px}
.marquee-track{display:flex;width:max-content;animation:marquee var(--dur) linear infinite}
.marquee--featured{--card-w:220px;--dur:45s}
.marquee--more{--dur:150s}
.marquee--more .marquee-track{animation-direction:reverse}
.marquee:hover .marquee-track,.marquee:focus-within .marquee-track{animation-play-state:paused}
@keyframes marquee{from{transform:translateX(0)}to{transform:translateX(-50%)}}
.logo-list{display:flex;gap:var(--gap);list-style:none;margin:0;padding:0 var(--gap) 0 0}
.logo-card{position:relative;flex:0 0 var(--card-w);width:var(--card-w);min-height:112px;box-sizing:border-box;background:#fff;border:1px solid var(--line);border-radius:12px;
  padding:14px 14px 10px;display:flex;flex-direction:column;align-items:center;justify-content:flex-start;gap:6px;text-align:center;box-shadow:0 1px 2px rgba(11,37,69,.05)}
.marquee--featured .logo-card{border:2px solid var(--gold);min-height:128px}
.logo-box{height:52px;width:100%;display:flex;align-items:center;justify-content:center}
.logo-box img{display:block;width:100%;height:52px;object-fit:contain}
.logo-text{font-weight:800;color:var(--navy);font-size:1.05rem;line-height:1.2}
.logo-name{font-size:.78rem;font-weight:600;color:var(--muted);line-height:1.25}
.text-only .logo-name{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.logo-sub{font-size:.74rem;color:var(--teal-d);line-height:1.25}
@media (max-width:640px){.marquee{--card-w:160px;--gap:12px}.marquee--featured{--card-w:176px}.logo-box,.logo-box img{height:44px}.logo-card{min-height:100px;padding:12px 10px 8px}}
@media (prefers-reduced-motion:reduce){
  .marquee{-webkit-mask-image:none;mask-image:none;overflow:visible}
  .marquee-track{animation:none;width:auto;display:block}
  .logo-list{flex-wrap:wrap;justify-content:center;padding:0}
  .logo-list--dup{display:none}
}

/* TODO notes */
.todo{background:var(--todo);border:1px dashed var(--todo-b);color:#6b5200;border-radius:8px;padding:6px 10px;font-size:.82rem;display:inline-block;margin-top:8px}
.todo-block{display:block;margin:14px 0 0}

/* Steps */
.steps{counter-reset:s;list-style:none;padding:0;margin:0;display:grid;gap:20px}
@media(min-width:760px){.steps{grid-template-columns:repeat(4,1fr)}}
.steps li{counter-increment:s;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px;position:relative;box-shadow:var(--shadow)}
.steps li::before{content:counter(s);display:grid;place-items:center;width:40px;height:40px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;margin-bottom:12px}
.steps p{color:var(--muted);margin:0}

/* About */
.about{display:grid;gap:32px;align-items:center}
@media(min-width:860px){.about{grid-template-columns:320px 1fr}}
.photo-ph{aspect-ratio:4/5;border-radius:var(--r);background:linear-gradient(135deg,var(--teal-l),#dfe7f1);display:grid;place-items:center;color:var(--muted);text-align:center;border:2px dashed var(--line);padding:20px}

/* States */
.states{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(2,1fr);gap:10px}
@media(min-width:640px){.states{grid-template-columns:repeat(3,1fr)}}
@media(min-width:960px){.states{grid-template-columns:repeat(4,1fr)}}
.states li{background:#fff;border:1px solid var(--line);border-radius:10px;padding:10px 14px;font-weight:600;color:var(--navy);display:flex;gap:10px;align-items:center}
.states abbr{text-decoration:none;font-size:.78rem;background:var(--navy);color:#fff;border-radius:6px;padding:2px 6px}

/* FAQ */
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:12px;padding:0 20px}
.faq summary{cursor:pointer;font-weight:700;color:var(--navy);padding:18px 0;list-style:none;display:flex;justify-content:space-between;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.4rem;line-height:1;color:var(--teal)}
.faq details[open] summary::after{content:"–"}
.faq details p{color:var(--muted);padding-bottom:12px}

/* Contact */
.contact-grid{display:grid;gap:32px}
@media(min-width:900px){.contact-grid{grid-template-columns:1fr 1.4fr}}
.contact-info{background:var(--navy);color:#dce7f2;border-radius:var(--r);padding:28px}
.contact-info h3{color:#fff}
.contact-info a{color:#E6C77E}
form .row{display:grid;gap:16px}
@media(min-width:640px){form .row.two{grid-template-columns:1fr 1fr}}
label{display:block;font-weight:600;color:var(--navy);margin-bottom:6px;font-size:.95rem}
input,select,textarea{width:100%;font:inherit;padding:12px 14px;border:1px solid #b9c4d1;border-radius:10px;background:#fff;color:var(--ink)}
input:focus,select:focus,textarea:focus{border-color:var(--teal);outline:3px solid rgba(20,70,174,.2)}
.field{margin-bottom:16px}
.consent{display:flex;gap:12px;align-items:flex-start;font-weight:400;color:var(--muted);font-size:.88rem}
.consent input{width:20px;height:20px;flex:none;margin-top:3px}
.hp{position:absolute;left:-9999px}
.form-status{margin-top:12px;font-weight:600}
.form-status.ok{color:#11734b}.form-status.err{color:#b42318}.form-status.warn{color:#8a6100}

/* CTA band */
.cta-band{background:linear-gradient(135deg,var(--teal-d),var(--navy));color:#fff;text-align:center;padding:56px 0}
.cta-band h2{color:#fff}

/* Footer */
.site-footer{background:#08172b;color:#9fb0c3;padding:48px 0 28px;font-size:.9rem}
.site-footer a{color:#cfe0ee}
.footer-grid{display:grid;gap:28px;margin-bottom:28px}
@media(min-width:760px){.footer-grid{grid-template-columns:2fr 1fr 1fr}}
.site-footer h3{color:#fff;font-size:1rem}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin-bottom:6px}
.disclaimer{border-top:1px solid #1d2e45;padding-top:20px;font-size:.8rem;line-height:1.55}
.disclaimer p{margin-bottom:.8em}
/* per-logo optical sizing */
.logo-box img[data-logo="sbli"]{height:38px}
.logo-box img[data-logo="aetna"]{height:34px}
@media (max-width:640px){.logo-box img[data-logo="sbli"]{height:32px}.logo-box img[data-logo="aetna"]{height:28px}}

/* Secondary button on light backgrounds */
.btn-ghost{background:#fff;color:var(--teal-d);border-color:var(--teal)}
.btn-ghost:hover{background:var(--teal-l);color:var(--teal-d);border-color:var(--teal-d)}
.hero-card-sub{color:var(--muted);margin-bottom:18px}
.hero .lead,.hero-points li{text-shadow:0 1px 2px rgba(0,0,0,.25)}

/* How it works (3 steps) */
.how{background:#fff}
.section-head.center{margin-left:auto;margin-right:auto;text-align:center}
.how-steps{list-style:none;margin:0;padding:0;display:grid;gap:22px;counter-reset:none}
@media(min-width:820px){.how-steps{grid-template-columns:repeat(3,1fr);gap:28px}}
.how-steps li{position:relative;background:#fff;border:1px solid var(--line);border-top:4px solid var(--gold);border-radius:var(--r);padding:30px 26px 26px;box-shadow:var(--shadow)}
.how-num{position:absolute;top:18px;right:20px;font-size:2.4rem;font-weight:800;line-height:1;color:var(--teal-l);-webkit-text-stroke:1px #cdd8ee}
.how-icon{display:grid;place-items:center;width:58px;height:58px;border-radius:16px;background:var(--navy);color:var(--gold-l,#E6C77E);margin-bottom:16px}
.how-steps h3{margin-bottom:.4em}
.how-steps p{color:var(--muted);margin:0}
.how-cta{display:flex;flex-wrap:wrap;gap:12px;justify-content:center;margin-top:34px}

/* Photo features */
.photo-features{display:grid;gap:20px;margin-bottom:28px}
@media(min-width:760px){.photo-features{grid-template-columns:1fr 1fr}}
.photo-feature{position:relative;display:block;border-radius:var(--r);overflow:hidden;box-shadow:var(--shadow);aspect-ratio:16/10;text-decoration:none;background:var(--navy)}
.photo-feature img{width:100%;height:100%;object-fit:cover;transition:transform .4s}
.photo-feature:hover img{transform:scale(1.03)}
.photo-cap{position:absolute;left:0;right:0;bottom:0;padding:48px 22px 20px;background:linear-gradient(180deg,transparent,rgba(11,31,58,.92));color:#fff}
.photo-cap strong{display:block;font-size:1.15rem;line-height:1.3}
.photo-kicker{display:block;font-size:.75rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:#E6C77E;margin-bottom:4px}

/* Veterans intro with photo */
.va-intro{display:grid;gap:22px;align-items:center;margin-bottom:8px}
@media(min-width:760px){.va-intro{grid-template-columns:minmax(260px,380px) 1fr;gap:30px}}
.va-photo{width:100%;height:auto;aspect-ratio:3/2;object-position:center 35%;object-fit:cover;border-radius:12px}

/* Sticky mobile call/text bar */
.mobile-bar{display:none}
@media(max-width:767.98px){
  .mobile-bar{display:grid;grid-template-columns:1fr 1fr 1.3fr;gap:8px;position:fixed;left:0;right:0;bottom:0;z-index:60;padding:8px 10px calc(8px + env(safe-area-inset-bottom));background:var(--navy);border-top:2px solid var(--gold);box-shadow:0 -6px 20px rgba(0,0,0,.2)}
  .mobile-bar a{display:flex;align-items:center;justify-content:center;gap:7px;min-height:46px;border-radius:10px;font-weight:700;text-decoration:none;color:#fff;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.25)}
  .mobile-bar a.mobile-bar-quote{background:var(--gold);border-color:var(--gold);color:var(--navy)}
  .site-footer{padding-bottom:calc(98px + env(safe-area-inset-bottom))}
}
.contact-info a.btn{color:#fff}