:root{--green:#173e35;--deep:#102e27;--cream:#f7f5ed;--gold:#dcc17c;--ink:#203b32;--muted:#5c6b62;--line:#d9dfd5}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:25px}body{margin:0;background:var(--cream);color:var(--ink);font:18px/1.65 system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}a{color:inherit;text-decoration:none}a:focus-visible,summary:focus-visible{outline:3px solid #b7801d;outline-offset:6px}a:hover{text-decoration:underline;text-underline-offset:5px}.wrap{max-width:1180px;margin:auto;padding:0 32px}.header{background:var(--cream);border-bottom:1px solid var(--line)}.header-inner{min-height:106px;display:flex;align-items:center;justify-content:space-between;gap:25px}.brand{font-size:19px;letter-spacing:2px;font-weight:650;display:flex;align-items:center;gap:14px;line-height:1.3}.brand-small{display:block;font-size:10px;letter-spacing:3px;margin-top:5px}.monogram{display:grid;place-items:center;width:51px;height:55px;border:1px solid #9b854c;border-radius:50% 50% 8px 8px;color:var(--green);font:25px Georgia,serif;letter-spacing:-3px;padding-right:3px}nav{display:flex;align-items:center;gap:30px;font-size:15px;font-weight:600}nav a{padding:12px 0}.nav-book{border:1px solid var(--green);border-radius:6px;padding:10px 18px}h1,h2,h3{font-family:Georgia,"Times New Roman",serif;font-weight:400;line-height:1.09;letter-spacing:-1.5px;margin:0}h1{font-size:clamp(44px,5.8vw,76px)}h2{font-size:clamp(34px,4vw,49px)}h3{font-size:30px;letter-spacing:-.6px}p{margin:18px 0}.eyebrow{text-transform:uppercase;letter-spacing:2.5px;font-size:12px;font-weight:650;line-height:1.6;margin:0 0 22px}.hero{background:var(--green);color:var(--cream);padding:85px 0}.hero-grid{display:grid;grid-template-columns:1.4fr 1fr;align-items:center;gap:80px}.hero h1 em{color:var(--gold);font-weight:400}.hero p.lead{max-width:600px;color:#e1e7dc;margin:28px 0;font-size:19px}.actions{display:flex;flex-wrap:wrap;align-items:center;gap:22px;margin-top:32px}.button{display:inline-flex;align-items:center;justify-content:center;gap:25px;min-height:54px;padding:13px 23px;border-radius:6px;font-size:16px;font-weight:650;line-height:1.5}.gold{background:var(--gold);color:var(--deep)}.button:hover{background:#ebd59b;text-decoration:none}.text-link{font-size:16px;border-bottom:1px solid #80998c;padding:8px 0}.hero-aside{border:1px solid #678071;padding:44px 34px;border-radius:160px 160px 12px 12px;background:#20483d;text-align:center}.sun{width:94px;height:94px;border:1px solid var(--gold);border-radius:50%;margin:6px auto 30px;display:grid;place-items:center;color:var(--gold);font:36px Georgia,serif;letter-spacing:-3px}.hero-aside h2{font-size:34px}.hero-aside p{font-size:15px;color:#d7dfd2}.aside-items{border-top:1px solid #577367;text-align:left;margin-top:28px;padding-top:15px}.aside-items span{display:block;padding:9px 0;font-size:16px}.aside-items span::before{content:"✓";color:var(--gold);margin-right:12px}.intro-strip{border-bottom:1px solid var(--line)}.strip-inner{display:flex;justify-content:space-between;gap:20px;padding-top:23px;padding-bottom:23px;font-size:14px}.section{padding-block:80px}.section-heading{display:flex;justify-content:space-between;gap:40px;align-items:end;margin-bottom:38px}.section-heading>p{max-width:340px;color:var(--muted);font-size:16px;margin:0}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.service-card{background:#fffefa;border:1px solid var(--line);border-radius:10px;padding:30px;display:flex;flex-direction:column;align-items:start;transition:transform .2s,border-color .2s}.service-card:hover{transform:translateY(-4px);border-color:#a58b4b;text-decoration:none}.card-number{font:italic 26px Georgia,serif;color:#7a693f;margin-bottom:30px}.service-card .eyebrow{font-size:10px;letter-spacing:1.7px;margin-bottom:12px}.service-card>p:not(.eyebrow){color:var(--muted);font-size:16px}.card-link{border-top:1px solid var(--line);padding-top:20px;margin-top:auto;width:100%;font-size:14px;font-weight:650;display:flex;justify-content:space-between;gap:10px}.about{background:#e9ede3}.about-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:80px;align-items:center}.quote{border-left:2px solid #ad9659;padding-left:25px;font:29px/1.4 Georgia,serif}.about p{color:#485e51}.signature{font-weight:650;font-size:16px}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:35px;margin-top:40px}.step{border-top:1px solid #b9c8ba;padding-top:23px}.step h3{font-size:24px}.step p{font-size:16px;color:var(--muted)}.cta{background:var(--green);color:var(--cream);border-radius:12px;padding:48px;display:flex;align-items:center;justify-content:space-between;gap:35px}.cta h2{font-size:39px}.cta p{color:#d7dfd2;margin-bottom:0}.cta .button{flex-shrink:0}footer{background:var(--deep);color:#dce4d8;padding:44px 0 25px}.footer-top{display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap}.footer-top .brand{display:block;font-size:17px}.footer-top p,.footer-top>a:last-child{font-size:14px}.footer-top>a:last-child{overflow-wrap:anywhere;text-decoration:underline}.footer-bottom{border-top:1px solid #3f5d4e;margin-top:32px;padding-top:22px;display:flex;justify-content:space-between;gap:20px;font-size:12px;color:#bac8bc}.skip{position:absolute;left:15px;top:-100px;background:white;padding:12px;z-index:10}.skip:focus{top:10px}.service-hero{background:var(--green);color:var(--cream);padding:38px 0 70px}.breadcrumb{font-size:14px;margin-bottom:50px;color:#d7dfd2}.breadcrumb a{text-decoration:underline}.service-hero h1{max-width:900px;font-size:clamp(42px,5.8vw,68px)}.service-hero .lead{max-width:730px;color:#e1e7dc;font-size:20px;margin-top:26px}.detail-grid{display:grid;grid-template-columns:1.4fr 1fr;gap:65px}.detail-list{margin-top:32px}.detail-item{padding:26px 0;border-top:1px solid var(--line)}.detail-item h3{font-size:26px}.detail-item p{font-size:17px;color:var(--muted);margin-bottom:0}.prep{background:#e9ede3;border:1px solid var(--line);border-radius:10px;padding:32px;align-self:start}.prep h2{font-size:32px}.prep ul{padding-left:20px;font-size:16px}.prep li{padding:9px 0}.prep p{font-size:15px}.note{font-size:13px!important;color:var(--muted);max-width:930px;margin-top:35px}.other-services{display:flex;flex-wrap:wrap;gap:14px;margin-top:25px}.other-services a{border:1px solid var(--line);padding:14px 22px;border-radius:6px;background:#fffefa;font-size:16px}.section.compact{padding-top:0}
@media(max-width:850px){.hero-grid{gap:30px;grid-template-columns:1.3fr 1fr}.hero-aside{padding:35px 22px}.cards{gap:14px}.service-card{padding:23px}.about-grid{gap:35px}.cta{align-items:start;flex-direction:column}.detail-grid{gap:30px}}
@media(max-width:650px){body{font-size:17px}.wrap{padding-left:max(26px,env(safe-area-inset-left));padding-right:max(26px,env(safe-area-inset-right))}.header-inner{padding-top:19px;padding-bottom:15px;min-height:auto;flex-direction:column;align-items:start;gap:16px}.brand{font-size:17px}.monogram{width:42px;height:45px}nav{width:100%;justify-content:space-between;gap:12px;font-size:13px}.nav-book{padding:9px 13px}.hero{padding:49px 0}.hero-grid,.about-grid,.detail-grid{grid-template-columns:1fr;gap:35px}.hero h1{font-size:48px}.hero p.lead{font-size:18px}.hero-aside{border-radius:10px;text-align:left;padding:26px}.sun{display:none}.hero-aside h2{font-size:29px}.hero-aside p{margin:12px 0}.aside-items{margin-top:18px}.strip-inner{flex-wrap:wrap;gap:7px 20px;font-size:12px}.section{padding-block:53px}.section-heading{display:block}.section-heading>p{margin-top:18px}.cards,.steps{grid-template-columns:1fr}.service-card{padding:27px}.card-number{margin-bottom:18px}.service-card h3{font-size:32px}.card-link{margin-top:12px}.steps{gap:20px}.cta{padding:30px 25px}.cta h2{font-size:33px}.button{font-size:15px}.footer-bottom{flex-direction:column;gap:7px}.footer-top{display:block}.service-hero{padding-top:26px;padding-bottom:47px}.breadcrumb{margin-bottom:34px}.service-hero .lead{font-size:18px}.prep{padding:26px}.other-services a{width:100%}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.service-card{transition:none}}

.inquiry-form{background:#fffefa;border:1px solid var(--line);border-radius:12px;padding:36px;max-width:900px;margin:auto}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px}.form-field{min-width:0}.full-width{grid-column:1/-1}.form-field label{display:block;font-size:16px;font-weight:650;margin-bottom:8px}.form-field input{width:100%;min-height:54px;border:1px solid #819589;border-radius:6px;background:white;padding:12px 14px;font:inherit;font-size:17px;color:var(--ink)}.form-field input::placeholder{color:#6d776f}.inquiry-form input:focus-visible,.inquiry-form button:focus-visible{outline:3px solid #a87820;outline-offset:3px}.meeting-choice{border:0;padding:0;margin:30px 0 22px;min-width:0}.meeting-choice legend{font-size:18px;font-weight:650;margin-bottom:14px}.radio-options{display:grid;grid-template-columns:1fr 1fr;gap:16px}.radio-options>label{display:flex;align-items:start;gap:10px;border:1px solid #819589;border-radius:8px;padding:18px;cursor:pointer;font-weight:600}.radio-options input,.contact-consent input{width:20px;height:20px;flex-shrink:0;margin-top:5px;accent-color:var(--green)}.radio-options label:has(input:checked){background:#e9ede3;border-color:var(--green)}.choice-help{display:block;font-size:14px;font-weight:400;margin-top:4px;color:var(--muted)}.contact-consent{display:flex;align-items:start;gap:12px;font-size:16px;cursor:pointer}.form-help{font-size:14px;color:var(--muted);line-height:1.6}.form-help a{text-decoration:underline;overflow-wrap:anywhere}.inquiry-form button{border:0;cursor:pointer;font-family:inherit;margin:8px 0}.thank-you{max-width:850px;margin:auto;min-height:55vh}.thank-you h1{font-size:clamp(38px,6vw,60px)}
@media(max-width:650px){.inquiry-form{padding:24px 19px}.form-grid,.radio-options{grid-template-columns:1fr}.header nav{flex-wrap:wrap;gap:8px 14px}.header nav .nav-book{margin-left:auto}.full-width{grid-column:auto}}

.service-needs{display:grid;gap:20px}.need-group{border:1px solid #819589;border-radius:8px;padding:22px;background:#f7f5ed}.need-title{display:flex;align-items:center;gap:12px;font-weight:700;cursor:pointer}.need-title input,.need-options input{width:20px;height:20px;accent-color:var(--green);flex-shrink:0}.need-details{border:0;padding:18px 0 0;margin:15px 0 0;min-width:0;border-top:1px solid var(--line)}.need-details legend{font-size:16px;font-weight:600;padding:0}.need-options{display:grid;gap:10px}.need-options label{display:flex;align-items:center;gap:12px;min-height:48px;cursor:pointer;font-size:16px}.need-details:disabled{opacity:.55}.extra-info{margin:30px 0}.form-field textarea{display:block;width:100%;resize:vertical;min-height:140px;border:1px solid #819589;border-radius:6px;background:white;padding:14px;font:inherit;font-size:17px;color:var(--ink)}.form-field textarea:focus-visible{outline:3px solid #a87820;outline-offset:3px}

/* Meet your agent portrait */
.about-grid{grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr);align-items:center;gap:60px}.agent-portrait{margin:0;width:100%;max-width:440px;justify-self:center}.agent-portrait img{display:block;width:100%;height:auto;border-radius:16px;box-shadow:0 16px 40px #102e271a}.agent-bio{min-width:0}.agent-bio .quote{font-size:23px;margin:26px 0 20px}@media(max-width:850px){.about-grid{gap:32px}}@media(max-width:650px){.about-grid{grid-template-columns:1fr;gap:32px}.agent-portrait{max-width:360px}.agent-bio .quote{font-size:22px}}

/* FAQs and privacy */
.faq-list{max-width:900px;margin-top:30px}.faq-list details{border-bottom:1px solid var(--line);padding:20px 0}.faq-list summary{cursor:pointer;font-weight:650;font-size:18px;min-height:44px;padding:8px 0}.faq-list details p{color:var(--muted);margin:10px 0 16px;max-width:760px}.footer-links{display:flex;gap:20px}.footer-links a{text-decoration:underline}.privacy-content{max-width:900px;overflow-wrap:anywhere}.privacy-content h1{font-size:clamp(38px,6vw,60px)}.privacy-content h2{font-size:28px;margin-top:36px}.privacy-content a{text-decoration:underline}.privacy-content li{margin:10px 0}

.information-links{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;margin-top:30px}.information-links>a{display:block;padding:24px;border:1px solid var(--line);border-radius:10px;background:#fffefa}.information-links strong{display:block;font-size:20px}.information-links span{display:block;color:var(--muted);font-size:16px;margin-top:10px}.footer-links{flex-wrap:wrap}.info-page h1{font-size:clamp(38px,6vw,60px)}.info-page .steps{margin-bottom:32px}@media(max-width:650px){.information-links{grid-template-columns:1fr}}

.optional-coverage{margin-top:12px}.optional-coverage summary{cursor:pointer;min-height:44px;padding:10px 0;font-size:15px}.optional-coverage[hidden]{display:none}.need-group:has(.service-toggle:not(:checked)){padding-block:16px}#why-shaun .steps{margin-top:28px}

/* Readable insurance and Medicare disclosures */
.disclosure-wrap{padding-top:24px;padding-bottom:24px}.compliance-notice{border:1px solid #819589;border-left:4px solid #9b854c;border-radius:8px;background:#fffefa;color:var(--ink);padding:20px 24px;margin:20px 0;font-size:16px;line-height:1.65}.compliance-notice p{margin:0 0 12px}.compliance-notice p:last-child{margin-bottom:0}.compliance-notice a{text-decoration:underline}.disclosure-wrap .compliance-notice{margin:0}@media(max-width:650px){.compliance-notice{padding:18px}}