:root{--navy:#082b59;--blue:#1665d6;--sky:#4a90f7;--orange:#ffa51f;--ink:#153050;--muted:#51647e;--soft:#f3f7fc}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:100px}body{font-family:Montserrat,sans-serif;color:var(--ink);line-height:1.7}a{color:var(--blue)}a:hover{color:var(--navy)}:focus-visible{outline:3px solid #f6a000!important;outline-offset:4px}.skip-link{position:fixed;top:-100px;left:16px;background:#fff;color:var(--navy);z-index:9999;padding:12px 20px}.skip-link:focus{top:12px}.site-header{background:rgba(255,255,255,.97);box-shadow:0 4px 22px rgba(7,38,77,.08)}.navbar{min-height:88px}.navbar-brand img{object-fit:contain;object-position:left center}.nav-link{font-size:.87rem;font-weight:700;color:var(--navy)}.nav-link:hover{color:var(--blue)}.btn{font-weight:800;border-radius:999px;padding:.78rem 1.5rem;transition:transform .2s,background .2s}.btn:hover{transform:translateY(-2px)}.btn-orange{background:var(--orange);border:2px solid 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strong{font-size:.67rem}.floating-card small{font-size:.58rem}.hero-trust .separator{display:none}.hero-trust{line-height:2}.section-pad{padding:70px 0}.partner-grid{grid-template-columns:repeat(2,1fr)}.insurance-card p{min-height:0}.about-visual{min-height:300px}.about-monogram{font-size:7rem}.about-monogram span{font-size:4rem}.stats{padding-top:0}.btn-lg{font-size:.92rem}.hero h1{letter-spacing:-.045em}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{transition:none!important;animation:none!important}}