:root{--primary-navy:#1b365d;--primary-gold:#d4a574;--primary-gold-light:#e6c99a;--accent-blue:#2e4a6b;--text-primary:#1b365d;--text-secondary:#374151;--text-gray:gray;--text-muted:#9ca3af;--bg-white:#fff;--bg-light:#f8f9fb;--bg-dark:#1a1a2e;--success-green:#10b981;--error-red:#ef4444;--border-light:#e2e8f0;--border-medium:#cbd5e0;--shadow-sm:0 1px 3px 0 rgba(27,54,93,.1);--shadow-md:0 4px 6px -1px rgba(27,54,93,.1);--shadow-lg:0 10px 15px -3px rgba(27,54,93,.1);--shadow-xl:0 20px 25px -5px rgba(27,54,93,.1);--gradient-primary:linear-gradient(135deg,var(--primary-navy),var(--accent-blue));--gradient-gold:linear-gradient(135deg,var(--primary-gold),var(--primary-gold-light));--gradient-bg-light:linear-gradient(135deg,var(--bg-white),var(--bg-light));--gradient-bg-dark:linear-gradient(135deg,#1a1a2e,#16213e 25%,#0f3460 50%,#16213e 75%,#1a1a2e);--gradient-current:linear-gradient(135deg,#f5f7fa,#c3cfe2);--font-family-primary:system-ui,-apple-system,BlinkMacSystemFont,"Segoe 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rgba(27,54,93,.1)}h1,h2{color:var(--primary-navy);font-style:normal;font-weight:600;line-height:1.2;margin-bottom:1.5rem;text-align:center}h2{font-family:var(--font-family-primary);font-size:1.75rem}.section-dark h2{color:#fff}h3{color:var(--primary-navy);font-family:system-ui,-apple-system,BlinkMacSystemFont,Segoe UI,sans-serif;font-size:32px;font-style:normal;font-weight:600;line-height:45px;margin-bottom:1rem;text-align:center}.section-dark h3{color:#fff}.sticky-header{backdrop-filter:blur(10px);background:hsla(0,0%,100%,.7);border-bottom:1px solid hsla(31,53%,64%,.2);box-shadow:0 2px 10px rgba(27,54,93,.1);padding:.5rem;position:relative;transition:background .3s ease,box-shadow .3s ease,border-color .3s ease;z-index:3}.sticky-header.is-stuck{left:0;position:fixed;right:0;top:0}.header-content{display:flex;justify-content:space-between;padding:0}.header-left{align-items:center;display:flex;gap:.75rem}.header-logo{background:#fff;border:2px solid 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ease}.meet-frank-card:hover{transform:translateY(-2px)}.frank-intro{align-items:flex-start;display:flex;gap:2rem;margin-bottom:2rem}.frank-portrait{background:#fff;border:3px solid var(--primary-gold);border-radius:50%;box-shadow:0 4px 16px hsla(31,53%,64%,.3);flex-shrink:0;height:120px;padding:8px;width:120px}.frank-bio h3{color:var(--primary-navy);font-size:1.8rem;font-weight:700;margin-bottom:.5rem}.frank-title{color:var(--primary-gold);font-weight:600;margin-bottom:1rem}.frank-description,.frank-title{font-size:1.1rem;font-style:italic}.frank-description{border-left:3px solid var(--primary-gold);color:var(--text-secondary);line-height:1.6;margin-bottom:1.5rem;padding-left:1rem;position:relative}.frank-credentials{display:flex;flex-wrap:wrap;gap:1rem;margin:0}.credential{background:linear-gradient(135deg,var(--primary-navy),var(--accent-blue));border-radius:20px;box-shadow:var(--shadow-sm);color:#fff;font-size:.85rem;font-weight:600;padding:.5rem 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rgba(239,68,68,.2);color:var(--error-red);display:block}.phone-reassurance{color:var(--text-gray);font-size:.85rem;line-height:1.4;margin-top:.5rem}.consent-container{margin-top:1.5rem}.consent-label{align-items:flex-start;color:var(--text-gray);cursor:pointer;display:flex;font-size:.9rem;gap:.75rem;line-height:1.4}.consent-label input[type=checkbox]{accent-color:var(--primary-gold);height:1.2rem;margin-top:.25rem;width:1.2rem}.consent-text{background:rgba(248,249,251,.8);border-left:3px solid var(--primary-gold);border-radius:.5rem;flex:1;padding:1rem}.coverage-options{display:flex;flex-direction:column;gap:.5rem;margin-bottom:1rem;margin-left:auto;margin-right:auto;max-width:300px}.gender-buttons{display:flex;gap:1rem;margin-bottom:1.5rem}.age-divider{background-color:var(--border-light);height:1px;margin:1rem 0;width:100%}.age-container{margin-bottom:1rem}.counter{background:linear-gradient(135deg,var(--bg-light),hsla(31,53%,64%,.1));border:1px solid 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auto;max-width:600px}.stat-item{padding:1rem;text-align:center}.stat-number{color:var(--primary-gold);font-size:2rem;font-weight:800;line-height:1;margin-bottom:.5rem;text-align:center}.stat-label{color:var(--primary-navy);font-size:.9rem;font-weight:500;letter-spacing:.5px;text-transform:uppercase}.faq-header{margin-bottom:4rem;text-align:center}.faq-subtitle{color:hsla(0,0%,100%,.95);font-family:system-ui,-apple-system,BlinkMacSystemFont,Segoe UI,sans-serif;font-size:20px;font-style:normal;font-weight:400;line-height:36px;margin:0 auto;max-width:700px;text-shadow:0 2px 8px rgba(0,0,0,.2)}.faq-accordion{margin:0 auto 3rem;max-width:800px}.faq-item{background:#fff;border:1px solid hsla(31,53%,64%,.1);border-radius:12px;box-shadow:var(--shadow-md);margin-bottom:1rem;overflow:hidden;transition:transform .2s ease,box-shadow .2s 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1.5rem;width:64px}.card-title{color:var(--primary-navy);font-family:var(--font-family-primary);font-size:24px;font-weight:700;margin-bottom:1rem}.card-description{color:#6b7280;font-size:16px;line-height:1.75}.peace-of-mind{background:#fff;contain-intrinsic-size:1000px;content-visibility:auto;padding:80px 0}.features-grid{display:grid;gap:3rem;grid-template-columns:repeat(3,1fr);margin-left:auto;margin-right:auto;margin-top:3rem;max-width:1140px;padding:0 20px}.feature-block{flex-direction:column;min-height:250px;padding:2rem 1rem;text-align:center;transition:transform .3s ease}.feature-block,.feature-icon{display:flex;justify-content:center}.feature-icon{align-items:center;background:linear-gradient(135deg,rgba(27,54,93,.1),hsla(31,53%,64%,.1));border:2px solid rgba(27,54,93,.2);border-radius:50%;color:var(--primary-navy);height:80px;margin:0 auto 1.5rem;width:80px}.feature-title{color:var(--primary-navy);font-family:var(--font-family-primary);font-size:24px;font-weight:700;margin-bottom:1rem}.feature-description{color:#6b7280;font-size:16px;line-height:1.75}.planning-matters{background:rgba(74,144,226,.05);contain-intrinsic-size:1000px;content-visibility:auto;padding:80px 0}.planning-content{align-items:center;display:flex;flex-direction:column;gap:3rem;margin:0 auto;max-width:1140px;padding:0 20px}.fact-card{background:#fff;border:2px solid rgba(27,54,93,.1);border-radius:24px;box-shadow:var(--shadow-xl);padding:3rem;transition:transform .3s ease,box-shadow .3s ease}.fact-card:hover{box-shadow:0 24px 80px rgba(27,54,93,.15);transform:translateY(-2px)}.fact-headline{color:var(--primary-navy);font-family:var(--font-family-primary);font-size:36px;font-weight:700;margin-bottom:1.5rem;text-align:center}.fact-statement{align-items:flex-start;display:flex;gap:1rem}.stat-icon{color:var(--primary-navy);flex-shrink:0;font-size:28px;margin-top:.25rem}.fact-text{color:#2d3748;font-size:18px;line-height:1.6;margin:0}.trust-facts{flex-wrap:wrap;gap:2rem}.trust-fact,.trust-facts{display:flex;justify-content:center}.trust-fact{background:#fff;border:2px solid rgba(27,54,93,.1);border-radius:16px;flex-direction:column;min-height:140px;padding:2rem 1.5rem;text-align:center;transition:transform .4s ease,box-shadow .4s ease,border-color .4s ease}.trust-fact:hover{border-color:var(--primary-gold);box-shadow:var(--shadow-lg);transform:translateY(-2px)}.trust-icon{align-items:center;background:linear-gradient(135deg,rgba(27,54,93,.1),hsla(31,53%,64%,.1));border-radius:50%;display:flex;height:40px;justify-content:center;margin:0 auto 1rem;width:40px}.fact-number,.trust-icon{color:var(--primary-navy)}.fact-number{font-family:var(--font-family-primary);font-size:32px;font-weight:700;margin-bottom:.5rem}.fact-label{color:#6b7280;font-size:14px;font-weight:500}.planning-image-content{border-radius:16px;box-shadow:var(--shadow-lg);height:300px;object-fit:cover;width:100%}.closing-reassurance{background:#fff;padding:80px 0}.closing-content{align-items:center;display:grid;gap:4rem;grid-template-columns:1fr 1fr;margin:0 auto;max-width:1140px;padding:0 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