*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --bg:#08080A; --surface:#121216; --surface-2:#1A1A20; --line:#26262E;
  --text:#F5F4F2; --muted:#95929C;
  --brand:#FF6A15; --brand-hot:#FF3D00; --brand-lite:#FF9A4D;
  --soft:rgba(255,106,21,.13);
  --ok:#4ADE80;
  --wrap:1180px; --narrow:660px;
}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
/* tiled logo watermark: swap logo.svg for the real mark and this updates everywhere */
body::before{content:"";position:fixed;inset:0;z-index:0;pointer-events:none;
  background-image:url("logo.png");background-size:240px 240px;background-repeat:repeat;
  opacity:.07}
body>*{position:relative;z-index:1}

body{background:var(--bg);color:var(--text);
  font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Inter,Roboto,Helvetica,Arial,sans-serif;
  line-height:1.55;-webkit-font-smoothing:antialiased;overflow-x:hidden}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}
.narrow{max-width:var(--narrow);margin:0 auto;padding:0 20px}
section{padding:64px 0;border-bottom:1px solid var(--line)}
h1,h2,h3{line-height:1.1;letter-spacing:-.028em;font-weight:800}
h1{font-size:clamp(36px,8vw,60px)}
h2{font-size:clamp(27px,5vw,40px)}
h3{font-size:16.5px;letter-spacing:-.012em;font-weight:700}
p{color:var(--muted)}
.eyebrow{font-size:11px;font-weight:700;letter-spacing:.2em;text-transform:uppercase;
  color:var(--brand);margin-bottom:14px}
.sec-head{max-width:40ch;margin-bottom:34px}
.sec-head.mid{margin-left:auto;margin-right:auto;text-align:center}
.sec-head p{margin-top:12px;font-size:15.5px}
.grad{background:linear-gradient(120deg,var(--brand-lite),var(--brand),var(--brand-hot));
  -webkit-background-clip:text;background-clip:text;color:transparent}

/* header */
header{padding:16px 0;position:sticky;top:0;z-index:60;background:var(--bg);
  border-bottom:1px solid var(--line)}
.bar{display:flex;align-items:center;justify-content:space-between;gap:12px}
.mark{display:flex;align-items:center;gap:10px;text-decoration:none}
.mark img{height:52px;width:auto;display:block}
.wordmark{font-weight:900;letter-spacing:.15em;font-size:14px;color:var(--text)}
.wordmark span{color:var(--brand)}
.nav-cta{font-size:13px;font-weight:700;color:#fff;text-decoration:none;white-space:nowrap;
  padding:10px 18px;border-radius:100px;
  background:linear-gradient(135deg,var(--brand),var(--brand-hot));
  box-shadow:0 0 20px rgba(255,106,21,.3)}

/* hero */
.hero{position:relative;padding:34px 0 60px;border-bottom:1px solid var(--line);overflow:hidden}
.hero::before{content:"";position:absolute;top:-260px;left:50%;transform:translateX(-50%);
  width:780px;height:540px;pointer-events:none;
  background:radial-gradient(closest-side,rgba(255,106,21,.17),transparent 70%)}
.hero-in{position:relative;display:grid;gap:40px}
.hero h1{margin-bottom:18px}
.lede{font-size:17.5px;max-width:38ch}
.tag{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:600;
  color:var(--muted);border:1px solid var(--line);background:var(--surface);
  padding:7px 14px;border-radius:100px;margin-bottom:24px}
.dot{width:6px;height:6px;border-radius:50%;background:var(--ok);flex:none;box-shadow:0 0 8px var(--ok)}

.video{border:1px solid var(--line);border-radius:16px;overflow:hidden;background:var(--surface);
  aspect-ratio:16/9;display:flex;align-items:center;justify-content:center;text-align:center;padding:24px}
.video p{font-size:13px;max-width:32ch;margin:0 auto}
.play{width:58px;height:58px;border-radius:50%;display:grid;place-items:center;margin:0 auto 16px;
  background:linear-gradient(135deg,var(--brand),var(--brand-hot));box-shadow:0 0 32px rgba(255,106,21,.4)}
.play::after{content:"";border-left:17px solid #fff;border-top:11px solid transparent;
  border-bottom:11px solid transparent;margin-left:5px}

.steps{display:grid;gap:10px;margin:26px 0 22px}
.step{display:flex;gap:14px;align-items:flex-start;background:var(--surface);
  border:1px solid var(--line);border-radius:12px;padding:15px 17px}
.num{flex:none;width:25px;height:25px;border-radius:50%;color:#fff;font-size:12px;font-weight:800;
  display:grid;place-items:center;margin-top:1px;
  background:linear-gradient(135deg,var(--brand),var(--brand-hot))}
.step b{display:block;font-size:15px;margin-bottom:2px}
.step span{font-size:13.5px;color:var(--muted)}

.btn{display:block;width:100%;text-align:center;color:#fff;font-size:17px;font-weight:800;
  letter-spacing:-.01em;padding:18px 20px;border-radius:13px;text-decoration:none;border:none;
  cursor:pointer;font-family:inherit;
  background:linear-gradient(135deg,var(--brand),var(--brand-hot));
  box-shadow:0 0 34px rgba(255,106,21,.32)}
.btn:active{transform:translateY(1px)}
.fine{font-size:12.5px;color:var(--muted);text-align:center;margin-top:13px}

/* ticker */
.ticker{border-bottom:1px solid var(--line);background:var(--surface);padding:13px 0;overflow:hidden;
  position:relative;white-space:nowrap}
.ticker::before,.ticker::after{content:"";position:absolute;top:0;bottom:0;width:90px;z-index:2}
.ticker::before{left:0;background:linear-gradient(90deg,var(--surface),transparent)}
.ticker::after{right:0;background:linear-gradient(270deg,var(--surface),transparent)}
.track{display:inline-flex;gap:14px;animation:slide 42s linear infinite}
@keyframes slide{from{transform:translateX(0)}to{transform:translateX(-50%)}}
.tick{display:inline-flex;align-items:center;gap:9px;font-size:13px;font-weight:600;
  background:var(--bg);border:1px solid var(--line);border-radius:100px;padding:7px 15px}
.tick i{width:6px;height:6px;border-radius:50%;background:var(--brand);flex:none;font-style:normal;
  box-shadow:0 0 7px var(--brand)}
.tick em{font-style:normal;color:var(--muted);font-weight:500}

/* stats */
.stats{display:grid;grid-template-columns:repeat(2,1fr);gap:1px;background:var(--line);
  border:1px solid var(--line);border-radius:16px;overflow:hidden}
.stat{background:var(--bg);padding:24px 16px;text-align:center}
.stat b{display:block;font-size:30px;font-weight:800;letter-spacing:-.03em;color:var(--brand)}
.stat span{font-size:10.5px;color:var(--muted);text-transform:uppercase;letter-spacing:.1em;
  font-weight:600;line-height:1.35;display:block;margin-top:6px}

/* chart */
.chart{background:var(--surface);border:1px solid var(--line);border-radius:18px;padding:24px 20px}
.chart-top{display:flex;justify-content:space-between;align-items:baseline;
  margin-bottom:22px;flex-wrap:wrap;gap:8px}
.chart-top b{font-size:14px}
.chart-top span{font-size:12px;color:var(--muted)}
.bars{display:flex;align-items:flex-end;gap:6px;height:170px}
.barwrap{flex:1;display:flex;flex-direction:column;align-items:center;gap:8px;height:100%;
  justify-content:flex-end}
.cbar{width:100%;border-radius:5px 5px 2px 2px;
  background:linear-gradient(180deg,var(--brand-lite),var(--brand-hot));
  box-shadow:0 0 14px rgba(255,106,21,.28);min-height:5px}
.barwrap small{font-size:10px;color:var(--muted);font-weight:600;letter-spacing:.03em}

/* commitment module */
.toggle{display:inline-flex;background:var(--surface);border:1px solid var(--line);
  border-radius:100px;padding:5px;margin:0 auto 26px;gap:4px}
.toggle button{border:none;background:transparent;color:var(--muted);font-family:inherit;
  font-size:13px;font-weight:700;padding:10px 15px;border-radius:100px;cursor:pointer;
  white-space:nowrap}
@media(min-width:520px){.toggle button{font-size:14px;padding:10px 24px}}
.toggle button[aria-selected="true"]{color:#fff;
  background:linear-gradient(135deg,var(--brand),var(--brand-hot));
  box-shadow:0 0 20px rgba(255,106,21,.34)}
.bigcard{background:var(--surface);border:1px solid var(--line);border-radius:20px;
  padding:38px 24px;text-align:center;box-shadow:0 0 60px rgba(255,106,21,.09)}
.bigcard>small{font-size:13.5px;color:var(--muted);display:block}
.bignum{font-size:clamp(46px,11vw,80px);font-weight:800;letter-spacing:-.045em;
  line-height:1.05;margin:8px 0 6px}
.subrow{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;
  border-top:1px solid var(--line);margin-top:28px;padding-top:24px}
.subrow div b{display:block;font-size:clamp(22px,4.6vw,30px);font-weight:800;
  letter-spacing:-.025em;line-height:1.1;white-space:nowrap}
.subrow div span{font-size:11.5px;color:var(--muted);display:block;margin-top:6px;line-height:1.35;
  max-width:15ch;margin-left:auto;margin-right:auto}
.miles{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin-top:14px}
.mile{background:var(--surface);border:1px solid var(--line);border-radius:14px;
  padding:20px 16px;text-align:center}
.mile svg{width:19px;height:19px;stroke:var(--muted);stroke-width:1.6;fill:none;
  stroke-linecap:round;stroke-linejoin:round;margin-bottom:10px}
.mile b{display:block;font-size:16px;font-weight:800;color:var(--brand);letter-spacing:-.02em}
.mile strong{display:block;font-size:13.5px;font-weight:700;margin-top:5px}
.mile span{display:block;font-size:11.5px;color:var(--muted);margin-top:4px;line-height:1.4}

/* the bar */
.split{display:grid;gap:14px}
.col{background:var(--surface);border:1px solid var(--line);border-radius:16px;padding:24px}
.col.no{border-color:#33232a}
.col h3{font-size:14px;letter-spacing:.1em;text-transform:uppercase;margin-bottom:18px;
  display:flex;align-items:center;gap:9px}
.col.yes h3{color:var(--brand)}
.col.no h3{color:#8A8792}
.col ul{list-style:none;display:grid;gap:13px}
.col li{display:flex;gap:11px;align-items:flex-start;font-size:14.5px;line-height:1.5}
.col li svg{width:17px;height:17px;flex:none;margin-top:3px;stroke-width:2.2;fill:none;
  stroke-linecap:round;stroke-linejoin:round}
.col.yes li svg{stroke:var(--brand)}
.col.no li svg{stroke:#5F5C68}
.col.no li{color:var(--muted)}
.kicker{text-align:center;font-size:clamp(19px,3.6vw,26px);font-weight:800;letter-spacing:-.025em;
  line-height:1.3;max-width:26ch;margin:34px auto 0;color:var(--text)}
.kicker span{color:var(--brand)}

/* path */
.path{display:grid;gap:14px;counter-reset:p}
.pstep{background:var(--surface);border:1px solid var(--line);border-radius:16px;padding:24px;
  position:relative}
.pstep::before{counter-increment:p;content:"0" counter(p);display:block;font-size:12px;
  font-weight:800;letter-spacing:.14em;color:var(--brand);margin-bottom:12px}
.pstep h3{margin-bottom:7px}
.pstep p{font-size:14px;line-height:1.6}

/* cards */
.cards{display:grid;gap:14px}
.card{background:var(--surface);border:1px solid var(--line);border-radius:15px;padding:24px}
.card h3{margin-bottom:8px}
.card p{font-size:14px;line-height:1.6}
.ico{width:44px;height:44px;border-radius:12px;background:var(--surface-2);
  border:1px solid var(--line);display:grid;place-items:center;margin-bottom:16px}
.ico svg{width:21px;height:21px;stroke:var(--brand);stroke-width:1.6;fill:none;
  stroke-linecap:round;stroke-linejoin:round}

/* facts */
.facts{display:grid;gap:11px}
.fact{background:var(--surface);border:1px solid var(--line);border-left:3px solid var(--brand);
  border-radius:0 13px 13px 0;padding:17px 19px}
.fact b{font-size:15px;display:block;margin-bottom:4px}
.fact span{font-size:13.5px;color:var(--muted);line-height:1.6}

/* faq */
details{border:1px solid var(--line);border-radius:13px;background:var(--surface);
  margin-bottom:10px;overflow:hidden}
summary{padding:17px 19px;font-weight:700;font-size:15px;cursor:pointer;list-style:none;
  display:flex;justify-content:space-between;gap:16px;align-items:flex-start}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";color:var(--brand);font-size:21px;font-weight:400;line-height:1;flex:none}
details[open] summary::after{content:"-"}
details p{padding:0 19px 18px;font-size:14px;line-height:1.65}
details p+p{padding-top:0;margin-top:-7px}

/* form */
.form{background:var(--surface);border:1px solid var(--line);border-radius:18px;padding:24px}
.field{margin-bottom:15px}
label{display:block;font-size:11.5px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;
  color:var(--muted);margin-bottom:7px}
input,select,textarea{width:100%;background:var(--bg);border:1px solid var(--line);
  border-radius:10px;padding:14px;color:var(--text);font-size:16px;font-family:inherit}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--brand);
  box-shadow:0 0 0 3px var(--soft)}
textarea{resize:vertical;min-height:88px}
.consent{display:flex;gap:12px;align-items:flex-start;background:var(--bg);
  border:1px solid var(--line);border-radius:11px;padding:14px;margin:18px 0}
.consent input{width:19px;height:19px;flex:none;margin-top:2px;accent-color:var(--brand)}
.consent label{font-size:11.5px;text-transform:none;letter-spacing:0;font-weight:400;
  color:var(--muted);line-height:1.55;margin:0}

footer{padding:40px 0 52px;border:none}
.social{display:flex;gap:9px;margin:18px 0;flex-wrap:wrap}
.social a{font-size:12.5px;font-weight:600;color:var(--muted);text-decoration:none;
  border:1px solid var(--line);border-radius:100px;padding:8px 15px}
.disc{font-size:11.5px;color:#66646E;line-height:1.7;max-width:78ch}
.disc p{color:inherit;font-size:inherit;margin-bottom:11px}

@media(min-width:760px){
  section{padding:88px 0}
  .cards{grid-template-columns:repeat(3,1fr);gap:16px}
  .stats{grid-template-columns:repeat(4,1fr)}
  .facts{grid-template-columns:1fr 1fr}
  .split{grid-template-columns:1fr 1fr;gap:16px}
  .miles{grid-template-columns:repeat(4,1fr)}
  .path{grid-template-columns:repeat(3,1fr)}
  .hero{padding:52px 0 84px}
  .hero-in{grid-template-columns:1.05fr 1fr;align-items:center;gap:52px}
  .bars{height:220px;gap:12px}
  .form-grid{display:grid;grid-template-columns:1fr 1fr;gap:0 15px}
  .form-grid .full{grid-column:1/-1}
  .bigcard{padding:48px 40px}
}
@media(prefers-reduced-motion:reduce){.track{animation:none}}

/* ---------- multi-page additions ---------- */
.tiles{display:grid;gap:14px;margin-top:8px}
.tile{display:block;text-decoration:none;color:inherit;background:var(--surface);
  border:1px solid var(--line);border-radius:16px;padding:26px 24px;position:relative;
  transition:border-color .15s ease,transform .15s ease}
.tile:hover{border-color:var(--brand);transform:translateY(-2px)}
.tile .ico{margin-bottom:18px}
.tile h3{font-size:19px;margin-bottom:7px;letter-spacing:-.02em}
.tile p{font-size:14px;line-height:1.55}
.tile .go{display:inline-flex;align-items:center;gap:7px;margin-top:16px;font-size:13px;
  font-weight:700;color:var(--brand)}
.tile .go svg{width:14px;height:14px;stroke:var(--brand);stroke-width:2.2;fill:none;
  stroke-linecap:round;stroke-linejoin:round}

.back{display:inline-flex;align-items:center;gap:8px;font-size:13px;font-weight:600;
  color:var(--muted);text-decoration:none;margin-bottom:26px}
.back svg{width:15px;height:15px;stroke:currentColor;stroke-width:2.2;fill:none;
  stroke-linecap:round;stroke-linejoin:round}
.back:hover{color:var(--text)}

.col h3 svg{width:16px;height:16px;flex:none;stroke-width:2.6;fill:none;
  stroke-linecap:round;stroke-linejoin:round}

.page-head{padding-top:44px;padding-bottom:8px}
.page-head h1{font-size:clamp(32px,6.5vw,50px);margin-bottom:14px}
.page-head p{font-size:16.5px;max-width:46ch}

.endcta{text-align:center;padding:56px 0 8px}
.endcta h2{margin-bottom:10px}
.endcta p{margin-bottom:24px;font-size:15.5px}
.endcta .btn{max-width:420px;margin:0 auto}

@media(min-width:760px){
  .tiles{grid-template-columns:repeat(3,1fr);gap:16px}
  .page-head{padding-top:60px;padding-bottom:12px}
}

/* calendly embed shell */
.cal-wrap{background:var(--surface);border:1px solid var(--line);border-radius:16px;
  padding:8px;overflow:hidden}
.cal-wrap .calendly-inline-widget{border-radius:11px;overflow:hidden}

/* carrier marquee */
.marq{border-bottom:1px solid var(--line);background:var(--surface);overflow:hidden;
  position:relative;padding:20px 0 22px}
.marq-label{text-align:center;font-size:10.5px;font-weight:700;letter-spacing:.2em;
  text-transform:uppercase;color:var(--muted);margin-bottom:16px}
.marq-row{overflow:hidden;white-space:nowrap;position:relative}
.marq-row::before,.marq-row::after{content:"";position:absolute;top:0;bottom:0;width:110px;z-index:2}
.marq-row::before{left:0;background:linear-gradient(90deg,var(--surface),transparent)}
.marq-row::after{right:0;background:linear-gradient(270deg,var(--surface),transparent)}
.marq .track{gap:54px;align-items:center;animation:slide 38s linear infinite}
.carrier{flex:none;font-size:16px;font-weight:800;letter-spacing:.13em;text-transform:uppercase;
  color:#8C8994;display:inline-flex;align-items:center}
/* logos in carriers/ are pre-processed to white on transparent, so no filter needed */
.carrier img{height:30px;width:auto;max-width:180px;object-fit:contain;display:block;opacity:.82}
/* optical sizing: wide all-caps wordmarks need less height, stacked marks need more */
.carrier img[alt="Chubb"]{height:21px}
.carrier img[alt="Ethos"]{height:24px}
.carrier img[alt="Americo"]{height:26px}
.carrier img[alt="Mutual of Omaha"]{height:28px}
.carrier img[alt="Aetna"]{height:28px}
.carrier img[alt="AIG"]{height:32px}
.carrier img[alt="National Life Group"]{height:34px}
.carrier img[alt="Transamerica"]{height:36px}

/* testimonials */
.quotes{display:grid;gap:14px}
.quote{background:var(--surface);border:1px solid var(--line);border-radius:16px;
  padding:26px 24px 24px;position:relative;overflow:hidden}
.quote::before{content:"";position:absolute;left:0;top:24px;bottom:24px;width:2px;
  background:linear-gradient(180deg,var(--brand),var(--brand-hot));border-radius:2px}
.quote p{color:var(--text);font-size:15.5px;line-height:1.62;margin-bottom:18px}
.who{display:flex;align-items:center;gap:12px}
.who .av{width:38px;height:38px;border-radius:50%;flex:none;background:var(--surface-2);
  border:1px solid var(--line);display:grid;place-items:center;font-size:12.5px;font-weight:800;
  color:var(--brand)}
.who b{display:block;font-size:14px;font-weight:700}
.who span{display:block;font-size:12px;color:var(--muted);margin-top:1px}

.vids{display:grid;gap:14px}
.vslot{border:1px solid var(--line);border-radius:14px;background:var(--surface);
  aspect-ratio:9/16;display:flex;align-items:center;justify-content:center;text-align:center;padding:20px}
.vslot p{font-size:12.5px;max-width:22ch;margin:0 auto}
.vslot .play{width:46px;height:46px;margin:0 auto 12px}
.vslot .play::after{border-left:14px solid #fff;border-top:9px solid transparent;
  border-bottom:9px solid transparent;margin-left:4px}

@media(min-width:760px){
  .quotes{grid-template-columns:1fr 1fr;gap:16px}
  .vids{grid-template-columns:repeat(3,1fr);gap:16px}
  .tiles{grid-template-columns:repeat(2,1fr)}
}
@media(min-width:1040px){
  .tiles{grid-template-columns:repeat(4,1fr)}
}

/* creed band: the line has to hit immediately, so it gets its own strip */
.creed{padding:30px 20px 10px;text-align:center;background:none;border:none}
.creed span{display:inline-block;font-size:clamp(21px,6.2vw,46px);font-weight:900;
  letter-spacing:.09em;text-transform:uppercase;line-height:1;
  background:linear-gradient(115deg,var(--brand-lite),var(--brand) 45%,var(--brand-hot));
  -webkit-background-clip:text;background-clip:text;color:transparent;
  filter:drop-shadow(0 0 26px rgba(255,106,21,.4))}